What are the current interest rates at CPM Federal Credit Union?

Current rates for CPM Federal Credit Union include: 12-Month CD: 3.70%, 24-Month CD: 3.60%, MMA: 1.81%

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CPM Federal Credit Union Rates & Review September 2026

Q: How many branches does CPM Federal Credit Union operate?

CPM Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join CPM Federal Credit Union?

Yes, to access services at CPM Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, CPM Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 4, 2026

CPM Federal Credit Union's 12 month Youth and Young Adult Savings CDs rates are at 3.70%, 24 month Youth and Young Adult Savings CDs rates are at 3.60%, 36 month CDs rates are at 3.39%, 6 month Youth and Young Adult Savings CDs rates are at 3.39%, 48 month CDs rates are at 3.14%. CPM Federal Credit Union's money market rates are at 1.81%. CPM Federal Credit Union's Personal Loan Rates are at 7.49%. MonitorBankRates has no NCUA call report data for CPM Federal Credit Union, so it is not rated. Rates last updated and verified on 09/04/2026.

CPM Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at CPM Federal Credit Union? Share your experience about CPM Federal Credit Union by leaving a review below, or read customer reviews before you decide to use CPM Federal Credit Union.

Overall Health & Safety Grade

N/A

Not Rated No current filing

MonitorBankRates Rating

N/A

Not Rated No current filing

Texas Ratio

N/A

Not Rated No data

CPM Federal Credit Union CD Rates

Product	Rate	APY	Term
12 month Youth and Young Adult Savings Certificates	3.65%	3.70%	12 month
No additional details. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.18%
24 month Youth and Young Adult Savings Certificates	3.55%	3.60%	24 month
No additional details. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.18%
36 month Share Certificates	3.35%	3.39%	36 months
No additional details. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.18%
6 month Youth and Young Adult Savings Certificates	3.35%	3.39%	6 month
No additional details. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.18%
48 month Share Certificates	3.10%	3.14%	48 months
No additional details. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.18%
3 month Youth and Young Adult Savings Certificates	1.00%	1.00%	3 month
No additional details. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.18%

CPM Federal Credit Union Money Market Rates

Product	Rate	APY	View More
Money Market	-	1.81%
Details As High As Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.18%

CPM Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity	-	-	6.99%
Details Fixed Rate 5 year draw with a 10 year repayment 6.99% Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.18%

CPM Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Autos	-	-	3.99%	Up to 36 months
No additional details. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.18%
New/Used Auto	-	-	3.99%
Details As low as 3.99% APR* Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.18%
New Autos	-	-	4.49%	37 - 60 months
No additional details. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.18%
Used Autos	-	-	4.49%	Up to 36 months
No additional details. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.18%
New Autos	-	-	4.69%	61 - 72 months
No additional details. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.18%
Used Autos	-	-	4.69%	37 - 60 months
No additional details. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.18%
Used Autos	-	-	4.89%	61 - 72 months
No additional details. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.18%
New Autos	-	-	5.39%	73-84 months
No additional details. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.18%
Used Autos	-	-	5.99%	73-84 months
No additional details. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.18%

CPM Federal Credit Union Credit Card Rates

Product	Rate	APR
Visa Credit Cards	-	11.75%
Details As low as 11.75%* APR* Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.18%
Visa Firefighter Gold Card (Discontinued)	-	13.75%
No additional details. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.18%
Visa Classic Card (Discontinued)	-	16.00%
No additional details. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.18%

CPM Federal Credit Union Personal Loan Rates

Product	APR	Term
Motorcycle/Personal Watercraft/Travel Trailers Loan	7.49%
Details As low as 7.49% APR* Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.18%
Personal Loans	10.99%	Up to 60 months
Details As Low As Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.18%
Personal Loans	12.79%	61 - 84 months
Details As Low As Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.18%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

CPM Federal Credit Union’s Texas Ratio rose from 1.76% in Q2 2023 to 7.18% in Q1 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the amber line marks the 15% level a credit union must stay under to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy threshold

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$742M	7.18%	5.0	A
December 31, 2025	$701M	13.77%	5.0	A
September 30, 2025	$681M	14.28%	5.0	A-
June 30, 2025	$673M	14.83%	5.0	A-
March 31, 2025	$683M	7.26%	5.0	A
December 31, 2024	$656M	8.14%	5.0	A
September 30, 2024	$633M	8.68%	5.0	A
June 30, 2024	$631M	8.33%	5.0	A
March 31, 2024	$640M	8.36%	5.0	A
December 31, 2023	$620M	8.82%	5.0	A
September 30, 2023	$609M	2.15%	5.0	A+
June 30, 2023	$601M	1.76%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for CPM Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather CPM Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with CPM Federal Credit Union's official website for the most current offers and terms.

2026 MBR Health & Safety Badge

CPM Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for CPM Federal Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

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Frequently Asked Questions About CPM Federal Credit Union

How many branches does CPM Federal Credit Union operate?

CPM Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join CPM Federal Credit Union?

Yes, to access services at CPM Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, CPM Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, CPM Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does CPM Federal Credit Union offer online and mobile banking?

Most modern institutions like CPM Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.cpmfed.com.