705 Federal Credit Union Rates & Review October 2026

Yes. 705 Federal Credit Union offers share certificates (CDs) with fixed interest rates across multiple term lengths. Its current CD rates, verified by MonitorBankRates, are listed on this page.

Yes. 705 Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

The highest CD rate MonitorBankRates has verified for 705 Federal Credit Union is 2.526% APY on its 6 Month CD, as of October 23, 2026.

The 705 Federal Credit Union CD terms we track include 6 month, 12 month, 18 month, 2 year and 3 year terms, with rates from 2.015% to 2.526% APY. The institution may offer other terms or specials that are not listed here, so check with 705 Federal Credit Union for its full lineup.

The lowest mortgage rate MonitorBankRates has verified for 705 Federal Credit Union is 5.25% APR on its Mortgage - 15 Years, Vacant Properties, as of October 23, 2026.

The lowest auto loan rate MonitorBankRates has verified for 705 Federal Credit Union is 4.00% APR on its New Auto Loans, as of October 23, 2026.

The lowest personal loan rate MonitorBankRates has verified for 705 Federal Credit Union is 11.50% APR on its Personal Loan Less Than - Line of Credit, as of October 23, 2026.

The lowest credit card rate MonitorBankRates has verified for 705 Federal Credit Union is 7.90% APR on its 705 Credit Card, as of October 23, 2026.

705 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.

Yes, to access services at 705 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.

Currently, 705 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.

While formal credit repair services are not currently listed, 705 Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Most modern institutions like 705 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.705fcu.com.

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

705 Federal Credit Union's top rates are 2.526% APY on its 6 Month CD, 5.25% on its Mortgage - 15 Years, Vacant Properties, personal loans from 11.50% APR and credit cards from 7.90% APR, verified by MonitorBankRates on October 23, 2026. To compare 705 Federal Credit Union with the top rates nationwide, see our best CD rates, best mortgage rates, best personal loan rates and best credit card rates, updated daily from banks and credit unions across the country.