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Alltru Federal 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 19, 2026
Alltru Federal Credit Union's 13 Month Individual Retirement Account (IRA) CD rates are at 4.26%, 13-Month CD rates are at 4.26%, CD of Deposit (CD) - 13 month CD Special Rate rates are at 4.26%, 7 Month Individual Retirement Account (IRA) CD rates are at 4.15%, 7-Month CD rates are at 4.15%. Alltru Federal Credit Union's savings rates are at 5.01%. Alltru Federal Credit Union's money market rates are at 0.15%. Alltru Federal Credit Union's checking rates are as high as 1.00%. Alltru Federal Credit Union's Personal Loan Rates are as low as 10.84%. Alltru Federal Credit Union's Credit Card Rates are at 11.49%. MonitorBankRates evaluates the financial stability of Alltru Federal Credit Union with a 4.9 Star Rating, an A- Overall Health Grade, and a Texas Ratio of 16.06%. Rates last updated and verified on 10/19/2026.
Alltru 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 Alltru Federal Credit Union? Share your experience about Alltru Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Alltru Federal Credit Union.
Overall Health & Safety Grade
?
A-
Very Good HealthScore: 91/100
Overall Health & Safety Grade
Alltru Federal Credit Union has earned an overall safety grade of A- (Very Good, Score: 91/100).
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
?
4.9
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Alltru Federal Credit Union has earned a Star Rating of 4.9 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
?
16.06%
GoodHigher than avg
Alltru Federal Credit Union Texas Ratio
Alltru Federal Credit Union's Texas Ratio is 16.06%, which is considered good and is higher than the national average of 6.13%.
While Alltru Federal Credit Union has some non-performing assets, it maintains sufficient capital reserves to handle potential losses.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
7.84% to 16.06% over 12 quarters, worseningFull history
Star Rating 5.0 to 4.9, Health Grade A to A-
The Texas Ratio for this credit union has weakened 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.
No change since Oct 13, 2026 · 4.26% APY · checked 2 times
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.06%
Individual Retirement Account (IRA) Certificate
-
-
4.26%
DetailsTraditional, Roth, or Coverdell; advertised as high as 4.26% APY
Last Updated10/19/2026
Rate History
2 changes since Sep 14, 2026 · 4.10% → 4.26% ▲ 0.16 pts · high 4.26% / low 4.10%
Oct 5, 20264.26%▲ from 4.15%
Sep 18, 20264.15%▲ from 4.10%
Sep 14, 20264.10%first recorded
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.06%
Financial Health History
Alltru Federal Credit Union’s Texas Ratio rose from 7.84% in Q3 2023 to 16.06% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 4.9 and its Health Grade from A to A-. 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
$401M
16.06%
4.9
A-
March 31, 2026
$403M
15.36%
5.0
A-
December 31, 2025
$393M
13.08%
5.0
A
September 30, 2025
$383M
11.20%
5.0
A
June 30, 2025
$375M
10.29%
5.0
A
March 31, 2025
$364M
9.43%
5.0
A
December 31, 2024
$360M
11.26%
5.0
A
September 30, 2024
$359M
9.70%
5.0
A
June 30, 2024
$350M
7.72%
5.0
A
March 31, 2024
$344M
7.92%
5.0
A
December 31, 2023
$349M
7.66%
5.0
A
September 30, 2023
$346M
7.84%
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 Alltru 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 Alltru 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 Alltru Federal Credit Union's official website for the most current offers and terms.
Address
1232 Wentzville Pkwy,
Wentzville, MO 63385-3868
Phone636-916-8300
Fax
PresidentGina Hakenewerth
CEOMichelle Rosner
Full-Time Employees131
Part-Time Employees1
Branch Locations5
ATM Locations5
NCUA Insured✓ Yes, up to $250,000 per depositor
Financials
MonitorBankRates Star Rating
4.9 / 5.0 ★
Overall Health & Safety Grade
A- (91/100)
Texas Ratio
16.06%
Return on Assets (ROA)
0.1019%
Return on Equity (ROE)
1.0811%
Non-Performing Loans Ratio (NPL)
2.38%
Total Assets
400,622,976
Total Amount of Shares and Deposits
361,902,029
Total Shares and Deposits < 1 Year
357,753,373
Total Shares and Deposits 1 3 Years
3,782,366
Total Shares and Deposits > 3 Years
366,289
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
15,109,892
Total Uninsured Shares and Deposits > $250K (F+J)
15,109,892
Total Insured Shares and Deposits > $250K (item 17 less item K)
346,792,137
Total Interest Expense (Sum of items 6 8)
2,361,496
Share Certificates
2,668
Number of Accounts for Share Drafts
23,608
IRA KEOGH Accounts
290
Number of Accounts for Regular Shares
84,942
Non Member Deposits
8
Money Market Shares
150
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)
11,227,013
Total Liabilities
368,101,596
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
There are no reviews for Alltru 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.
Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About Alltru Federal Credit Union
Does Alltru Federal Credit Union offer CDs?
Yes. Alltru 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.
Are CDs from Alltru Federal Credit Union NCUA insured?
Yes. Alltru 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.
What is the highest CD rate at Alltru Federal Credit Union?
The highest CD rate MonitorBankRates has verified for Alltru Federal Credit Union is 4.26% APY on its 13 Month Individual Retirement Account (IRA) CD, as of October 19, 2026.
What CD terms does Alltru Federal Credit Union offer?
The Alltru Federal Credit Union CD terms we track include 7 month, 12 month, 13 month, 18 month, 2 year and 5 year terms, with rates from 4.15% to 4.26% APY. The institution may offer other terms or specials that are not listed here, so check with Alltru Federal Credit Union for its full lineup.
What is the highest savings rate at Alltru Federal Credit Union?
The highest savings rate MonitorBankRates has verified for Alltru Federal Credit Union is 5.01% APY on its Cubby Youth Savings, as of October 19, 2026.
What is the highest money market rate at Alltru Federal Credit Union?
The highest money market rate MonitorBankRates has verified for Alltru Federal Credit Union is 0.15% APY on its Money Market, as of October 19, 2026.
What is the highest checking rate at Alltru Federal Credit Union?
The highest checking rate MonitorBankRates has verified for Alltru Federal Credit Union is 1.00% APY on its Premium Checking, as of October 19, 2026.
What is the lowest auto loan rate at Alltru Federal Credit Union?
The lowest auto loan rate MonitorBankRates has verified for Alltru Federal Credit Union is 4.74% APR on its New/Used Auto Loan, as of October 19, 2026.
What is the lowest personal loan rate at Alltru Federal Credit Union?
The lowest personal loan rate MonitorBankRates has verified for Alltru Federal Credit Union is 10.84% APR on its Personal Loan, as of October 19, 2026.
What is the lowest credit card APR at Alltru Federal Credit Union?
The lowest credit card rate MonitorBankRates has verified for Alltru Federal Credit Union is 11.49% APR on its Premier Rate Visa Credit Card, as of October 19, 2026.
How many branches does Alltru Federal Credit Union operate?
Alltru 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 Alltru Federal Credit Union?
Yes, to access services at Alltru 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, Alltru 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, Alltru Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.
Does Alltru Federal Credit Union offer online and mobile banking?
Most modern institutions like Alltru 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.alltrucu.org.
Are all CD rates listed on MonitorBankRates federally insured?
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.
I want to open a CD with an institution listed on MonitorBankRates. How do I 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.
If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?
Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.
Why are some CD offers not available for me to open?
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.
How do Alltru Federal Credit Union rates compare?
Alltru Federal Credit Union's top rates are 4.26% APY on its 13 Month Individual Retirement Account (IRA) CD, 5.01% APY on savings, 0.15% APY on money market, 1.00% APY on checking, personal loans from 10.84% APR and credit cards from 11.49% APR, verified by MonitorBankRates on October 19, 2026. To compare Alltru Federal Credit Union with the top rates nationwide, see our best CD rates, best savings rates, best money market rates and best checking rates, updated daily from banks and credit unions across the country.
Current Alltru Federal Credit Union Rates
12-Month CD3.50%
18-Month CD2.00%
24-Month CD2.05%
60-Month CD1.70%
Savings5.01%
MMA0.15%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
