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802 Credit Union Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
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.
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: October 13, 2026
802 Credit Union's top rates as of October 13, 2026 are 4.00% APY on its 13 Month IRA CD, 2.25% APY on money market accounts, 5.25% on its Adjustable Rate Mortgages (ARM) - 3/1 ARM, and personal loans from 10.74% APR, according to rates verified by MonitorBankRates. Other 802 Credit Union CD rates include CDs of Deposit (CD) - 9 month special (new money) at 4.00%, CDs of Deposit (CD) - 9 month special at 3.75%, and CDs of Deposit (CD) - 7 month special at 3.25%. Other 802 Credit Union mortgage rates include Adjustable Rate Mortgages (ARM) - 5/1 ARM at 6.00%, Adjustable Rate Mortgages (ARM) - 1/1 ARM at 6.85%, and Construction Loan - 1/1 ARM with General Contractor at 5.25%. MonitorBankRates evaluates the financial stability of 802 Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 8.74%. Rates last updated and verified on 10/13/2026.
802 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 802 Credit Union? Share your experience about 802 Credit Union by leaving a review below, or read customer reviews before you decide to use 802 Credit Union.
802 Credit Union has earned an overall safety grade of A (Excellent, Score: 96/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
802 Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
8.74%
ExcellentHigher than avg
802 Credit Union Texas Ratio
802 Credit Union's Texas Ratio is 8.74%, which is considered excellent and is higher than the national average of 6.13%.
802 Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
8.72% to 8.74% over 12 quarters, steadyFull history
Star Rating 5.0 to 5.0, Health Grade A to A
The Texas Ratio for this credit union has held steady at a healthy level since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
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.
802 Credit Union CD Rates
Product
Rate
APY
Term
View More
13 Month IRA Certificate
3.92%
4.00%
13 month special
Min Balance$500
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 4.00% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.74%
Certificates of Deposit (CD) - 9 month special (new money)
3.92%
4.00%
9 months
Min Balance$500
DetailsSpecial term; New money; Dividends paid monthly
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 4.00% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.74%
Certificates of Deposit (CD) - 9 month special
3.68%
3.75%
9 months
Min Balance$500
DetailsSpecial term; Dividends paid monthly
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.74%
Certificates of Deposit (CD) - 7 month special
3.20%
3.25%
7 months
Min Balance$500
DetailsSpecial term; Dividends paid monthly
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.74%
Certificates of Deposit (CD) - 802 days
3.20%
3.25%
802 days
Min Balance$500
DetailsDividends paid monthly
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.74%
36 Month IRA Certificate
2.96%
3.00%
36 month special
Min Balance$500
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 3.00% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.74%
48 Month IRA Certificate
2.18%
2.20%
48 months
Min Balance$500
Last Updated10/13/2026
Rate History
No change since Sep 22, 2026 · 2.20% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.74%
60 Month IRA Certificate
2.18%
2.20%
60 months
Min Balance$500
Last Updated10/13/2026
Rate History
No change since Sep 22, 2026 · 2.20% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.74%
24 Month IRA Certificate
2.13%
2.15%
24 months
Min Balance$500
Last Updated10/13/2026
Rate History
No change since Sep 22, 2026 · 2.15% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.74%
12 Month IRA Certificate
2.08%
2.10%
12 months
Min Balance$500
Last Updated10/13/2026
Rate History
No change since Sep 22, 2026 · 2.10% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.74%
18 Month IRA Certificate
2.08%
2.10%
18 months
Min Balance$500
Last Updated10/13/2026
Rate History
No change since Sep 22, 2026 · 2.10% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.74%
Certificates of Deposit (CD) - 48 month
2.08%
2.10%
48 months
Min Balance$500
DetailsDividends paid monthly
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 2.10% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.74%
Certificates of Deposit (CD) - 60 month
2.08%
2.10%
60 months
Min Balance$500
DetailsDividends paid monthly
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 2.10% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.74%
Certificates of Deposit (CD) - 24 month
2.03%
2.05%
24 months
Min Balance$500
DetailsDividends paid monthly
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 2.05% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.74%
Certificates of Deposit (CD) - 36 month
2.03%
2.05%
36 months
Min Balance$500
DetailsDividends paid monthly
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 2.05% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.74%
Certificates of Deposit (CD) - 12 month
1.98%
2.00%
12 months
Min Balance$500
DetailsDividends paid monthly
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.74%
Youth Savers 5 Year Term
1.98%
2.00%
5 Year
Min Balance$50
DetailsYouth Savers CD
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.74%
6 Month IRA Certificate
1.83%
1.85%
6 months
Min Balance$500
Last Updated10/13/2026
Rate History
No change since Sep 22, 2026 · 1.85% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.74%
Certificates of Deposit (CD) - 18 month (no-penalty)
1.78%
1.80%
18 months
Min Balance$500
DetailsNo-penalty term; Dividends paid monthly
Last Updated10/13/2026
Rate History
No change since Sep 29, 2026 · 1.80% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.74%
Certificates of Deposit (CD) - 6 month
1.78%
1.80%
6 months
Min Balance$500
DetailsDividends paid monthly
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 1.80% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.74%
Smart Savers 1 Year Term
1.69%
1.70%
1 Year
Min Balance$50
DetailsSmart Savers CD
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 1.70% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.74%
802 Credit Union Savings Rates
Product
Rate
APY
View More
Club Accounts
0.30%
0.30%
DetailsSmart and Youth Savers Club Accounts; Types of club accounts: holiday, vacation, tax, all-purpose; Dividends paid monthly
No change since Sep 14, 2026 · 0.50% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.74%
802 Credit Union Mortgage Rates
Product
Rate
Points
APR
Term
View More
Adjustable Rate Mortgages (ARM) - 3/1 ARM
5.25%
0.00%
6.61%
DetailsPrimary residence; servicing retained; 2/6 Cap; tied to 1-year Treasury Bill with 2.875% margin; 30 year maximum term
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 6.61% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.74%
Adjustable Rate Mortgages (ARM) - 5/1 ARM
6.00%
0.00%
6.685%
DetailsPrimary residence; servicing retained; 2/6 Cap; tied to 1-year Treasury Bill with 2.875% margin; 30 year maximum term
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 6.69% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.74%
Adjustable Rate Mortgages (ARM) - 1/1 ARM
-
0.00%
6.851%
DetailsPrimary residence; servicing retained; 2/6 Cap; tied to 1-year Treasury Bill with 2.875% margin; 30 year maximum term
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 6.85% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.74%
Construction Loan - 1/1 ARM with General Contractor
5.25%
1.00%
6.876%
DetailsConstruction and Vacant Land Mortgages - servicing retained; Construction Loan - 30-year maximum term, includes 12-month interest only construction period
Last Updated10/13/2026
Rate History
No change since Sep 29, 2026 · 6.88% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.74%
Conventional Fixed Rate Mortgage
6.50%
0.00%
6.878%
10 Year
DetailsPrimary residences - servicing retained
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 6.88% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.74%
Investment Property Adjustable Rate Mortgage - 3/1 ARM (Non-Owner Occupied)
DetailsConstruction and Vacant Land Mortgages - servicing retained; Construction Loan - 30-year maximum term, includes 12-month interest only construction period
Last Updated10/13/2026
Rate History
No change since Sep 29, 2026 · 7.03% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.74%
Investment Property Adjustable Rate Mortgage - 1/1 ARM (Non-Owner Occupied)
Manufactured Home Adjustable Rate Mortgages - 1/1 ARM
8.00%
0.00%
8.23%
DetailsPrimary residences on owned land; servicing retained; 2/6 Cap; tied to 1-year Treasury Bill with 2.875% margin; 20 year maximum term
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 8.23% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.74%
Manufactured Home Adjustable Rate Mortgages - 3/1 ARM
8.25%
0.00%
8.482%
DetailsPrimary residences on owned land; servicing retained; 2/6 Cap; tied to 1-year Treasury Bill with 2.875% margin; 20 year maximum term
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 8.48% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.74%
Investment Property Mortgages (Non-Owner Occupied) - 10 Year
8.00%
1.00%
8.624%
10 Year
DetailsServicing retained; Non-Owner Occupied
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 8.62% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.74%
Investment Property Mortgages (Non-Owner Occupied) - 15 Year
8.25%
1.00%
8.706%
15 Year
DetailsServicing retained; Non-Owner Occupied
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 8.71% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.74%
Investment Property Mortgages (Non-Owner Occupied) - 20 Year
8.375%
1.00%
8.749%
20 Year
DetailsServicing retained; Non-Owner Occupied
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 8.75% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.74%
Investment Property Mortgages (Non-Owner Occupied) - 30 Year
8.625%
1.00%
8.926%
30 Year
DetailsServicing retained; Non-Owner Occupied
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 8.93% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.74%
Manufactured Home Adjustable Rate Mortgages - 5/1 ARM
9.00%
0.00%
9.24%
DetailsPrimary residences on owned land; servicing retained; 2/6 Cap; tied to 1-year Treasury Bill with 2.875% margin; 20 year maximum term
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 9.24% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.74%
Manufactured Home Adjustable Rate Mortgages - for Primary residences on leased land or in a park
9.00%
0.00%
9.291%
1/1 ARM
DetailsServicing retained; Monthly Payment per $1,000 borrowed: $10.14; 2/6 Cap; tied to 1-year Treasury Bill with 2.875% margin; 15 year maximum term
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 9.29% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.74%
Manufactured Home Fixed Rate Mortgage - 10 Year
9.00%
0.00%
9.397%
10 Year
DetailsPrimary residences on owned land; servicing retained
Last Updated10/13/2026
Rate History
No change since Oct 9, 2026 · 9.40% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.74%
Manufactured Home Adjustable Rate Mortgages - for Primary residences on leased land or in a park
9.25%
0.00%
9.543%
3/1 ARM
DetailsServicing retained; Monthly Payment per $1,000 borrowed: $10.29; 2/6 Cap; tied to 1-year Treasury Bill with 2.875% margin; 15 year maximum term
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 9.54% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.74%
Manufactured Home Fixed Rate Mortgage - 15 Year
9.25%
0.00%
9.543%
15 Year
DetailsPrimary residences on owned land; servicing retained
Last Updated10/13/2026
Rate History
No change since Oct 9, 2026 · 9.54% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.74%
Manufactured Home Fixed Rate Mortgage - 20 Year
9.375%
0.00%
9.618%
20 Year
DetailsPrimary residences on owned land; servicing retained
Last Updated10/13/2026
Rate History
No change since Oct 9, 2026 · 9.62% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.74%
Manufactured Home Fixed Rate Mortgage - Leased Land or Park
11.00%
0.00%
11.414%
10 Year
DetailsPrimary residence on leased land or in a park; servicing retained
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 11.41% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.74%
Manufactured Home Fixed Rate Mortgage - Leased Land or Park
11.25%
0.00%
11.562%
15 Year
DetailsPrimary residence on leased land or in a park; servicing retained
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 11.56% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.74%
Manufactured Home Fixed Rate Mortgage - Leased Land or Park
11.375%
0.00%
11.639%
20 Year
DetailsPrimary residence on leased land or in a park; servicing retained
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 11.64% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.74%
802 Credit Union Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
Home Equity Loan
-
-
6.49%
13 Year
DetailsMinimum loan amount $5,000; Maximum loan to value 60%; 1st position lien
Last Updated10/13/2026
Rate History
1 change since Sep 14, 2026 · 6.74% → 6.49% ▼ 0.25 pts · high 6.74% / low 6.49%
Oct 13, 20266.49%▼ from 6.74%
Sep 14, 20266.74%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.74%
Home Equity Loan
-
-
6.74%
5 Year
DetailsMinimum loan amount $5,000; Maximum loan to value 80%; 1st position lien
Last Updated10/13/2026
Rate History
1 change since Sep 14, 2026 · 6.49% → 6.74% ▲ 0.25 pts · high 6.74% / low 6.49%
Oct 13, 20266.74%▲ from 6.49%
Sep 14, 20266.49%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.74%
Home Equity Loan
-
-
7.24%
10 Year
DetailsMinimum loan amount $5,000; Maximum loan to value 80%; 1st position lien
Last Updated10/13/2026
Rate History
1 change since Sep 14, 2026 · 6.99% → 7.24% ▲ 0.25 pts · high 7.24% / low 6.99%
Oct 13, 20267.24%▲ from 6.99%
Sep 14, 20266.99%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.74%
Home Equity Loan
-
-
7.74%
15 Year
DetailsMinimum loan amount $5,000; Maximum loan to value 80%; 1st position lien
Last Updated10/13/2026
Rate History
1 change since Sep 14, 2026 · 7.49% → 7.74% ▲ 0.25 pts · high 7.74% / low 7.49%
Oct 13, 20267.74%▲ from 7.49%
Sep 14, 20267.49%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.74%
802 Credit Union Auto Loan Rates
Product
Rate
Points
APR
Term
View More
Auto & Motorcycle Loans - New '25-'26
-
-
5.24%
24 months
DetailsAs Low As; Model Year: New '25-'26; 100% Financing (Tax, Title, Registration inc.)
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 5.24% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.74%
Auto & Motorcycle Loans - Used '19-'24
-
-
5.24%
24 months
DetailsAs Low As; Model Year: Used '19-'24; 100% Financing (Tax, Title, Registration inc.)
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 5.24% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.74%
Auto & Motorcycle Loans - New '25-'26
-
-
5.49%
36 months
DetailsAs Low As; Model Year: New '25-'26; 100% Financing (Tax, Title, Registration inc.)
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 5.49% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.74%
Auto & Motorcycle Loans - Used '19-'24
-
-
5.49%
36 months
DetailsAs Low As; Model Year: Used '19-'24; 100% Financing (Tax, Title, Registration inc.)
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 5.49% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.74%
Auto & Motorcycle Loans - New '25-'26
-
-
5.74%
48 months
DetailsAs Low As; Model Year: New '25-'26; 100% Financing (Tax, Title, Registration inc.)
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 5.74% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.74%
Auto & Motorcycle Loans - Used '19-'24
-
-
5.74%
48 months
DetailsAs Low As; Model Year: Used '19-'24; 100% Financing (Tax, Title, Registration inc.)
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 5.74% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.74%
Auto & Motorcycle Loans - New '25-'26
-
-
5.99%
60 months
DetailsAs Low As; Model Year: New '25-'26; 100% Financing (Tax, Title, Registration inc.)
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 5.99% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.74%
Auto & Motorcycle Loans - Used '19-'24
-
-
5.99%
60 months
DetailsAs Low As; Model Year: Used '19-'24; 100% Financing (Tax, Title, Registration inc.)
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 5.99% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.74%
Other Titled Vehicles - New '25-26 Loan
-
-
5.99%
24 months
DetailsAs Low As; Model Year: New '25-26; J.D. Power footnote applies
Last Updated10/13/2026
Rate History
No change since Oct 9, 2026 · 5.99% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.74%
Other Titled Vehicles - Used '19-'24 Loan
-
-
5.99%
24 months
DetailsAs Low As; Model Year: Used '19-'24; J.D. Power footnote applies
Last Updated10/13/2026
Rate History
No change since Oct 9, 2026 · 5.99% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.74%
Auto & Motorcycle Loans - New '25-'26
-
-
6.24%
66 months
DetailsAs Low As; Model Year: New '25-'26; 100% Financing (Tax, Title, Registration inc.)
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 6.24% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.74%
Auto & Motorcycle Loans - Used '19-'24
-
-
6.24%
66 months
DetailsAs Low As; Model Year: Used '19-'24; 100% Financing (Tax, Title, Registration inc.)
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 6.24% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.74%
Other Titled Vehicles - New '25-26 Loan
-
-
6.24%
36 months
DetailsAs Low As; Model Year: New '25-26; J.D. Power footnote applies
Last Updated10/13/2026
Rate History
No change since Oct 9, 2026 · 6.24% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.74%
Other Titled Vehicles - Used '19-'24 Loan
-
-
6.24%
36 months
DetailsAs Low As; Model Year: Used '19-'24; J.D. Power footnote applies
Last Updated10/13/2026
Rate History
No change since Oct 9, 2026 · 6.24% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.74%
Auto & Motorcycle Loans - New '25-'26
-
-
6.49%
72 months
DetailsAs Low As; Model Year: New '25-'26; 100% Financing (Tax, Title, Registration inc.)
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 6.49% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.74%
Other Titled Vehicles - New '25-26 Loan
-
-
6.49%
48 months
DetailsAs Low As; Model Year: New '25-26; J.D. Power footnote applies
Last Updated10/13/2026
Rate History
No change since Oct 9, 2026 · 6.49% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.74%
Other Titled Vehicles - Used '19-'24 Loan
-
-
6.49%
48 months
DetailsAs Low As; Model Year: Used '19-'24; J.D. Power footnote applies
Last Updated10/13/2026
Rate History
No change since Oct 9, 2026 · 6.49% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.74%
Auto & Motorcycle Loans - Used '11-'18
-
-
6.74%
24 months
DetailsAs Low As; Model Year: Used '11-'18; J.D. Power
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 6.74% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.74%
Other Titled Vehicles - New '25-26 Loan
-
-
6.74%
60 months
DetailsAs Low As; Model Year: New '25-26; J.D. Power footnote applies
Last Updated10/13/2026
Rate History
No change since Oct 9, 2026 · 6.74% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.74%
Other Titled Vehicles - Used '19-'24 Loan
-
-
6.74%
60 months
DetailsAs Low As; Model Year: Used '19-'24; J.D. Power footnote applies
Last Updated10/13/2026
Rate History
No change since Oct 9, 2026 · 6.74% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.74%
Auto & Motorcycle Loans - New '25-'26
-
-
6.99%
84 months
DetailsAs Low As; Model Year: New '25-'26; 100% Financing (Tax, Title, Registration inc.)
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 6.99% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.74%
Auto & Motorcycle Loans - Used '11-'18
-
-
6.99%
36 months
DetailsAs Low As; Model Year: Used '11-'18; J.D. Power
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 6.99% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.74%
Auto & Motorcycle Loans - Used '11-'18
-
-
7.24%
48 months
DetailsAs Low As; Model Year: Used '11-'18; J.D. Power
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 7.24% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.74%
Other Titled Vehicles - Used '11-'18 Loan
-
-
7.74%
24 months
DetailsAs Low As; Model Year: Used '11-'18; J.D. Power footnote applies
Last Updated10/13/2026
Rate History
No change since Oct 9, 2026 · 7.74% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.74%
Other Titled Vehicles - Used '11-'18 Loan
-
-
7.74%
36 months
DetailsAs Low As; Model Year: Used '11-'18; J.D. Power footnote applies
Last Updated10/13/2026
Rate History
No change since Oct 9, 2026 · 7.74% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.74%
Other Titled Vehicles - Used '11-'18 Loan
-
-
7.99%
48 months
DetailsAs Low As; Model Year: Used '11-'18; J.D. Power footnote applies
Last Updated10/13/2026
Rate History
No change since Oct 9, 2026 · 7.99% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.74%
802 Credit Union Personal Loan Rates
Product
APR
Term
View More
Personal/Signature Loan
10.74%
24-60 months
DetailsAs Low As; Loan rates are listed "as low as" and are determined by the term of the loan and an evaluation of your credit.
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 10.74% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.74%
802 Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
Second Home Adjustable Rate Mortgage 1/1 ARM
5.375%
0.375%
6.926%
Details2/6 Cap; tied to 1-year Treasury Bill with 3.250% margin; 30 year maximum term; servicing retained
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 6.93% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.74%
Second Home Adjustable Rate Mortgage 3/1 ARM
5.625%
0.375%
6.745%
Details2/6 Cap; tied to 1-year Treasury Bill with 3.250% margin; 30 year maximum term; servicing retained
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 6.75% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.74%
Second Home Adjustable Rate Mortgage 5/1 ARM
6.375%
0.375%
6.874%
Details2/6 Cap; tied to 1-year Treasury Bill with 3.250% margin; 30 year maximum term; servicing retained
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 6.87% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.74%
Second Home Mortgages - servicing retained
8.00%
0.375
8.221%
30 Year
DetailsFixed rate; servicing retained
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 8.22% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.74%
Second Home Mortgages - servicing retained
7.75%
0.375
8.029%
20 Year
DetailsFixed rate; servicing retained
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 8.03% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.74%
Second Home Mortgages - servicing retained
7.625%
0.375
7.967%
15 Year
DetailsFixed rate; servicing retained
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 7.97% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.74%
Second Home Mortgages - servicing retained
7.375%
0.375
7.846%
10 Year
DetailsFixed rate; servicing retained
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 7.85% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.74%
IRA Shares
0.75%
-
0.75%
DetailsDividends paid monthly
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.75% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.74%
Regular Shares
0.30%
-
0.30%
Min Balance$5
DetailsDividends paid monthly. ($25.00 minimum to receive dividends)
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 0.30% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.74%
Financial Health History
802 Credit Union’s Texas Ratio stayed near 8.72% in Q3 2023 to 8.74% in Q2 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 green zone below the amber 15% line is where a credit union must stay 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 limit (green zone below = healthy)
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
$508M
8.74%
5.0
A
March 31, 2026
$500M
7.30%
5.0
A
December 31, 2025
$492M
6.18%
5.0
A
September 30, 2025
$432M
5.65%
5.0
A+
June 30, 2025
$428M
5.35%
5.0
A+
March 31, 2025
$426M
6.70%
5.0
A
December 31, 2024
$416M
7.84%
5.0
A
September 30, 2024
$404M
7.67%
5.0
A
June 30, 2024
$403M
6.75%
5.0
A
March 31, 2024
$401M
5.95%
5.0
A+
December 31, 2023
$392M
6.96%
5.0
A
September 30, 2023
$395M
8.72%
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 802 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 802 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 802 Credit Union's official website for the most current offers and terms.
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
15,091,729
Total Uninsured Shares and Deposits > $250K (F+J)
15,091,729
Total Insured Shares and Deposits > $250K (item 17 less item K)
425,029,303
Total Interest Expense (Sum of items 6 8)
1,940,319
Share Certificates
3,218
Number of Accounts for Share Drafts
25,547
IRA KEOGH Accounts
645
Number of Accounts for Regular Shares
41,852
All other shares
7,573
Money Market Shares
927
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)
75,195,865
Total Liabilities
444,037,774
Source: NCUA — Last Updated 06/30/2026
Q2 2026 MBR Health & Safety Badge
802 Credit Union 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.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
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Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for 802 Credit Union
Frequently Asked Questions About 802 Credit Union
How many branches does 802 Credit Union operate?
802 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 802 Credit Union?
Yes, to access services at 802 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, 802 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, 802 Credit Union provides members with tools to manage their accounts and build a solid financial history.
Does 802 Credit Union offer online and mobile banking?
Most modern institutions like 802 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.802cu.com.
Current 802 Credit Union Rates
12-Month CD1.70%
18-Month CD1.80%
24-Month CD2.05%
60-Month CD2.00%
MMA2.25%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
