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 Rio Grande Credit Union Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: September 3, 2026
Rio Grande Credit Union's 25 month IRA CD rates are at 4.13%, 18 month IRA CD rates are at 4.02%, 24 month IRA CD rates are at 3.51%, 12 month IRA CD rates are at 3.45%, 6 month IRA CD rates are at 3.40%. Rio Grande Credit Union's savings rates are at 0.10%. Rio Grande Credit Union's Personal Loan Rates are at 9.99%. MonitorBankRates evaluates the financial stability of Rio Grande Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.22%. Rates last updated and verified on 09/03/2026. Rio Grande 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 Rio Grande Credit Union? Share your experience about Rio Grande Credit Union by leaving a review below, or read customer reviews before you decide to use Rio Grande Credit Union. 
Rio Grande Credit Union CD Rates
Rio Grande Credit Union Savings Rates
Rio Grande Credit Union Checking Rates
Rio Grande Credit Union Home Equity & HELOC
Rio Grande Credit Union Auto Loan Rates
Rio Grande Credit Union Credit Card Rates
Rio Grande Credit Union Personal Loan Rates
Financial Health HistoryRio Grande Credit Union’s Texas Ratio rose from 4.09% in Q2 2023 to 5.22% in Q1 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. 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
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Rio Grande 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 Rio Grande 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 Rio Grande Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Rio Grande Credit Union
Website
https://riograndecu.org
Address
10001 Lomas Blvd NE,
Albuquerque, NM 87112
Phone
505-262-1401
Fax
President
Mark Sanchez
CEO
Tony Dees
Full-Time Employees
157
Part-Time Employees
0
Branch Locations
7
ATM Locations
7
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (97/100)
Texas Ratio
5.22%
Return on Assets (ROA)
0.0876%
Return on Equity (ROE)
0.9838%
Non-Performing Loans Ratio (NPL)
0.86%
Total Assets
665,904,564
Total Amount of Shares and Deposits
607,071,729
Total Shares and Deposits < 1 Year
563,711,928
Total Shares and Deposits 1 3 Years
40,270,979
Total Shares and Deposits > 3 Years
3,088,824
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
29,651,980
Total Uninsured Shares and Deposits > $250K (F+J)
29,651,980
Total Insured Shares and Deposits > $250K (item 17 less item K)
577,419,749
Total Interest Expense (Sum of items 6 8)
3,139,335
Share Certificates
4,649
Number of Accounts for Share Drafts
35,027
IRA KEOGH Accounts
1,129
Number of Accounts for Regular Shares
54,019
All other shares
2,834
Non Member Deposits
9
Money Market Shares
2,946
Net Income (unless the amount is already included in Undivided Earnings)
583,339
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)
124,405,659
Total Liabilities
614,786,332
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for Rio Grande Credit Union yet. Feel free to create one below.
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Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Rio Grande Credit Union
Frequently Asked Questions About Rio Grande Credit UnionHow many branches does Rio Grande Credit Union operate?Rio Grande 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 Rio Grande Credit Union?Yes, to access services at Rio Grande 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, Rio Grande 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, Rio Grande Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Rio Grande Credit Union offer online and mobile banking?Most modern institutions like Rio Grande 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://riograndecu.org. Current Rio Grande Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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