What are the current interest rates at Credit Union of America?

Current rates for Credit Union of America include: Savings: 0.10%

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Credit Union of America

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Credit Union of America Rates & Review October 2026

Q: How many branches does Credit Union of America operate?

Credit Union of America 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 Credit Union of America?

Yes, to access services at Credit Union of America, 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, Credit Union of America 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 29, 2026

Credit Union of America's top rates as of September 29, 2026 are 0.10% APY on savings, and 6.50% on its 5/1 FRM Loan mortgage, according to rates verified by MonitorBankRates. Other Credit Union of America mortgage rates include Flexible Rate Mortgages (FRM) - 30 Year VA at 7.00%, 7/1 FRM Loan at 6.75%, and 15 Year Fixed Rate at 7.00%. MonitorBankRates evaluates the financial stability of Credit Union of America with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.98%. Rates last updated and verified on 09/29/2026.

Credit Union of America 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 Credit Union of America? Share your experience about Credit Union of America by leaving a review below, or read customer reviews before you decide to use Credit Union of America.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.98%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Credit Union of America
E 32nd Corporate Office

8200 E 32nd St N
Wichita, KS 67226

https://www.cuofamerica.com

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Credit Union of America Savings Rates

Product	Rate	APY
High-Yield Savings Account	3.20%	3.25%
Min Deposit $100 Min Balance $0 Details Balance: $0.01 to $50,000.00 Last Updated 09/29/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
High-Yield Savings Account	0.10%	0.10%
Min Deposit $100 Min Balance $50,000 Details Balance: $50,000.01 or more Last Updated 09/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%

Credit Union of America Mortgage Rates

Product	Rate	Points	APR	Term
5/1 FRM Loan	6.50%	-	7.089%
Details Down Payment: 20%; Loan Amount: $200,000.00; LTV: 80% Last Updated 10/02/2026 Rate History 2 changes since Sep 18, 2026 · 6.75% → 7.09% ▲ 0.34 pts · high 7.09% / low 6.75% Oct 2, 20267.09%▲ from 6.95% Sep 29, 20266.95%▲ from 6.75% Sep 18, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Flexible Rate Mortgages (FRM) - 30 Year VA	7.00%	-	7.119%	30 Year
Details Down Payment: 0.00%; Loan Amount: $250,000.00; LTV: 100.00% Last Updated 10/02/2026 Rate History 3 changes since Sep 14, 2026 · 6.49% → 7.12% ▲ 0.63 pts · high 7.12% / low 6.49% Sep 29, 20267.12%▲ from 6.87% Sep 21, 20266.87%▲ from 6.74% Sep 18, 20266.74%▲ from 6.49% Sep 14, 20266.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
7/1 FRM Loan	6.75%	-	7.133%
Details Down Payment: 20%; Loan Amount: $200,000.00; LTV: 80% Last Updated 10/02/2026 Rate History 2 changes since Sep 18, 2026 · 6.76% → 7.13% ▲ 0.38 pts · high 7.13% / low 6.76% Oct 2, 20267.13%▲ from 6.97% Sep 29, 20266.97%▲ from 6.76% Sep 18, 20266.76%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
15 Year Fixed Rate	7.00%	-	7.21%	15 Year
Details Down Payment: 20%; Loan Amount: $200,000.00; LTV: 80% Last Updated 10/02/2026 Rate History 2 changes since Sep 18, 2026 · 6.83% → 7.21% ▲ 0.38 pts · high 7.21% / low 6.83% Oct 2, 20267.21%▲ from 7.08% Sep 29, 20267.08%▲ from 6.83% Sep 18, 20266.83%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
10 Year Fixed Rate	7.00%	-	7.294%	10 Year
Details Down Payment: 20%; Loan Amount: $200,000.00; LTV: 80% Last Updated 10/02/2026 Rate History 3 changes since Sep 18, 2026 · 6.79% → 7.29% ▲ 0.51 pts · high 7.29% / low 6.79% Oct 2, 20267.29%▲ from 7.17% Sep 29, 20267.17%▲ from 6.91% Sep 21, 20266.91%▲ from 6.79% Sep 18, 20266.79%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
20 Year Fixed Rate	7.375%	-	7.548%	20 Year
Details Down Payment: 20%; Loan Amount: $200,000.00; LTV: 80% Last Updated 10/02/2026 Rate History 2 changes since Sep 18, 2026 · 7.17% → 7.55% ▲ 0.38 pts · high 7.55% / low 7.17% Oct 2, 20267.55%▲ from 7.42% Sep 29, 20267.42%▲ from 7.17% Sep 18, 20267.17%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
30 Year Fixed Rate	7.50%	-	7.635%	30 Year
Details Down Payment: 20%; Loan Amount: $200,000.00; LTV: 80% Last Updated 10/02/2026 Rate History 2 changes since Sep 18, 2026 · 7.13% → 7.64% ▲ 0.51 pts · high 7.64% / low 7.13% Oct 2, 20267.64%▲ from 7.38% Sep 29, 20267.38%▲ from 7.13% Sep 18, 20267.13%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Flexible Rate Mortgages (FRM) - 30 Year FHA	7.00%	-	7.849%	30 Year
Details Down Payment: 3.50%; Loan Amount: $241,250.00; LTV: 96.50% Last Updated 10/02/2026 Rate History 3 changes since Sep 14, 2026 · 7.21% → 7.85% ▲ 0.64 pts · high 7.85% / low 7.21% Sep 29, 20267.85%▲ from 7.59% Sep 21, 20267.59%▲ from 7.47% Sep 18, 20267.47%▲ from 7.21% Sep 14, 20267.21%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
30 Year Fixed Rate No PMI (Zero Down)	8.00%	-	8.17%	30 Year
Details Down Payment: 0%; Loan Amount: $200,000.00; LTV: 100% Last Updated 10/02/2026 Rate History 2 changes since Sep 18, 2026 · 7.67% → 8.17% ▲ 0.50 pts · high 8.17% / low 7.67% Oct 2, 20268.17%▲ from 7.92% Sep 29, 20267.92%▲ from 7.67% Sep 18, 20267.67%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
New Build Mortgages - 5 Year Lot Loan Fixed Rate	8.00%	-	9.168%	5 Year
No additional details. Last Updated 10/02/2026 Rate History 1 change since Sep 21, 2026 · 8.92% → 9.17% ▲ 0.25 pts · high 9.17% / low 8.92% Sep 29, 20269.17%▲ from 8.92% Sep 21, 20268.92%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
New Build Mortgages - 10 Year Lot Loan Fixed Rate	9.00%	-	9.646%	10 Year
No additional details. Last Updated 10/02/2026 Rate History 1 change since Sep 21, 2026 · 9.39% → 9.65% ▲ 0.25 pts · high 9.65% / low 9.39% Sep 29, 20269.65%▲ from 9.39% Sep 21, 20269.39%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%

Credit Union of America Other Rates

Product	Rate	Points	APY/APR
Regular Shares	0.05%	-	0.05%
Min Deposit $1 Min Balance $100 Details Balance: $100.00 to $2,499.99 Last Updated 09/29/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Regular Shares	0.10%	-	0.10%
Min Deposit $1 Min Balance $2,500 Details Balance: $2,500.00 or more Last Updated 09/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%

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

Credit Union of America’s Texas Ratio rose from 3.20% in Q3 2023 to 3.98% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold 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 Grade

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
June 30, 2026	$1.9B	3.98%	5.0	A+
March 31, 2026	$1.8B	3.58%	5.0	A+
December 31, 2025	$1.8B	4.00%	5.0	A+
September 30, 2025	$1.7B	3.97%	5.0	A+
June 30, 2025	$1.7B	3.79%	5.0	A+
March 31, 2025	$1.7B	3.51%	5.0	A+
December 31, 2024	$1.6B	4.25%	5.0	A+
September 30, 2024	$1.6B	3.72%	5.0	A+
June 30, 2024	$1.6B	3.58%	5.0	A+
March 31, 2024	$1.5B	3.08%	5.0	A+
December 31, 2023	$1.5B	3.35%	5.0	A+
September 30, 2023	$1.5B	3.20%	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 Credit Union of America 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 Credit Union of America 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 Credit Union of America's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Credit Union of America

Website https://www.cuofamerica.com

Address 8200 E 32nd St N, Wichita, KS 67226

Phone 316-265-3272

Fax

President Richard Gilstrap

CEO Frank Shoffner

Full-Time Employees 311

Part-Time Employees 17

Branch Locations 16

ATM Locations 16

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.98%

Return on Assets (ROA)

0.6123%

Return on Equity (ROE)

4.8252%

Non-Performing Loans Ratio (NPL)

0.64%

Total Assets

1,850,493,708

Total Amount of Shares and Deposits

1,525,046,747

Total Shares and Deposits < 1 Year

1,366,025,531

Total Shares and Deposits 1 3 Years

150,241,282

Total Shares and Deposits > 3 Years

8,779,933

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

207,523,705

Total Uninsured Shares and Deposits > $250K (F+J)

207,523,705

Total Insured Shares and Deposits > $250K (item 17 less item K)

1,317,523,042

Total Interest Expense (Sum of items 6 8)

19,815,340

Share Certificates

17,384

Number of Accounts for Share Drafts

56,355

IRA KEOGH Accounts

4,252

Number of Accounts for Regular Shares

112,496

All other shares

6,005

Money Market Shares

26,220

Net Income (unless the amount is already included in Undivided Earnings)

11,331,340

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

162,039,326

Total Liabilities

1,617,991,327

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Credit Union of America earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 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, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/credit-unions/credit-union-of-america-credit-union-rates-review-60062">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About Credit Union of America

How many branches does Credit Union of America operate?

Credit Union of America 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 Credit Union of America?

Yes, to access services at Credit Union of America, 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, Credit Union of America 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, Credit Union of America provides members with tools to manage their accounts and build a solid financial history.

Does Credit Union of America offer online and mobile banking?

Most modern institutions like Credit Union of America 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.cuofamerica.com.