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Ashland 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
Ashland Credit Union's top rates as of October 13, 2026 are 4.25% APY on its 36 Month Business Jumbo CD, 2.25% APY on savings, 0.50% APY on checking, personal loans from 9.99% APR, and credit cards from 11.49% APR, according to rates verified by MonitorBankRates. Other Ashland Credit Union CD rates include 36 Month Traditional Standard CDs at 4.25%, 48 Month Business Jumbo CD at 4.25%, and 48 Month Traditional Standard CDs at 4.25%. MonitorBankRates evaluates the financial stability of Ashland Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.03%. Rates last updated and verified on 10/13/2026.
Ashland 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 Ashland Credit Union? Share your experience about Ashland Credit Union by leaving a review below, or read customer reviews before you decide to use Ashland Credit Union.
Ashland 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
Ashland 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
?
7.03%
ExcellentHigher than avg
Ashland Credit Union Texas Ratio
Ashland Credit Union's Texas Ratio is 7.03%, which is considered excellent and is higher than the national average of 6.13%.
Ashland 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.
3.28% to 7.03% 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.
Ashland Credit Union CD Rates
Product
Rate
APY
Term
View More
36 Month Traditional Standard Share Certificates
4.17%
4.25%
36 Month
Min Balance$35,000
DetailsJumbo; Minimum balance to open and earn stated APY: $35,000/Jumbo; Traditional/Roth IRA Share Certificates
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 4.25% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.03%
48 Month Traditional Standard Share Certificates
4.17%
4.25%
48 Month
Min Balance$35,000
DetailsJumbo; Minimum balance to open and earn stated APY: $35,000/Jumbo; Traditional/Roth IRA Share Certificates
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 4.25% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.03%
60 Month Traditional Standard Share Certificates
4.17%
4.25%
60 Month
Min Balance$35,000
DetailsJumbo; Minimum balance to open and earn stated APY: $35,000/Jumbo; Traditional/Roth IRA Share Certificates
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 4.25% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.03%
Jumbo Share Certificates - 36 Month
4.17%
4.25%
36 Month
Min Balance$35,000
DetailsJumbo; Minimum balance required to open account and earn the stated APY: $35,000/Jumbo; Yields compounded monthly; Early withdrawal penalty may apply
Last Updated10/13/2026
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
Oct 9, 20264.25%▲ from 3.75%
Sep 14, 20263.75%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.03%
Jumbo Share Certificates - 48 Month
4.17%
4.25%
48 Month
Min Balance$35,000
DetailsJumbo; Minimum balance required to open account and earn the stated APY: $35,000/Jumbo; Yields compounded monthly; Early withdrawal penalty may apply
Last Updated10/13/2026
Rate History
1 change since Sep 14, 2026 · 3.60% → 4.25% ▲ 0.65 pts · high 4.25% / low 3.60%
Oct 9, 20264.25%▲ from 3.60%
Sep 14, 20263.60%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.03%
Jumbo Share Certificates - 60 Month
4.17%
4.25%
60 Month
Min Balance$35,000
DetailsJumbo; Minimum balance required to open account and earn the stated APY: $35,000/Jumbo; Yields compounded monthly; Early withdrawal penalty may apply
Last Updated10/13/2026
Rate History
1 change since Sep 14, 2026 · 3.70% → 4.25% ▲ 0.55 pts · high 4.25% / low 3.70%
Oct 9, 20264.25%▲ from 3.70%
Sep 14, 20263.70%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.03%
24 Month Traditional Standard Share Certificates
3.93%
4.00%
24 Month
Min Balance$35,000
DetailsJumbo; Minimum balance to open and earn stated APY: $35,000/Jumbo; Traditional/Roth IRA Share Certificates
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: 7.03%
36 Month Share Certificates with Rate Bump Option
3.93%
4.00%
36 Month
Min Balance$35,000
DetailsJumbo; Minimum balance to open and earn stated APY: $35,000/Jumbo; Rate Bump Option: allows a one-time bump to the current rate during certificate term; Early withdrawal penalty may apply; Yields compounded monthly
Last Updated10/13/2026
Rate History
1 change since Sep 18, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
Oct 13, 20264.00%▲ from 3.75%
Sep 18, 20263.75%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.03%
36 Month Traditional Standard Share Certificates
3.93%
4.00%
36 Month
Min Balance$1,000
DetailsStandard; Minimum balance to open and earn stated APY: $1,000/Standard; Traditional/Roth IRA Share Certificates
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: 7.03%
48 Month Share Certificates with Rate Bump Option
3.93%
4.00%
48 Month
Min Balance$35,000
DetailsJumbo; Minimum balance to open and earn stated APY: $35,000/Jumbo; Rate Bump Option: allows a one-time bump to the current rate during certificate term; Early withdrawal penalty may apply; Yields compounded monthly
Last Updated10/13/2026
Rate History
1 change since Sep 18, 2026 · 3.35% → 4.00% ▲ 0.65 pts · high 4.00% / low 3.35%
Oct 13, 20264.00%▲ from 3.35%
Sep 18, 20263.35%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.03%
48 Month Traditional Standard Share Certificates
3.93%
4.00%
48 Month
Min Balance$1,000
DetailsStandard; Minimum balance to open and earn stated APY: $1,000/Standard; Traditional/Roth IRA Share Certificates
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: 7.03%
60 Month Share Certificates with Rate Bump Option
3.93%
4.00%
60 Month
Min Balance$35,000
DetailsJumbo; Minimum balance to open and earn stated APY: $35,000/Jumbo; Rate Bump Option: allows a one-time bump to the current rate during certificate term; Early withdrawal penalty may apply; Yields compounded monthly
Last Updated10/13/2026
Rate History
1 change since Sep 18, 2026 · 3.45% → 4.00% ▲ 0.55 pts · high 4.00% / low 3.45%
Oct 13, 20264.00%▲ from 3.45%
Sep 18, 20263.45%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.03%
60 Month Traditional Standard Share Certificates
3.93%
4.00%
60 Month
Min Balance$1,000
DetailsStandard; Minimum balance to open and earn stated APY: $1,000/Standard; Traditional/Roth IRA Share Certificates
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: 7.03%
Jumbo Share Certificates - 18 Month
3.93%
4.00%
18 Month
Min Balance$35,000
DetailsJumbo; Minimum balance required to open account and earn the stated APY: $35,000/Jumbo; Yields compounded monthly; Early withdrawal penalty may apply
Last Updated10/13/2026
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
Oct 9, 20264.00%▲ from 3.75%
Sep 14, 20263.75%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.03%
Jumbo Share Certificates - 24 Month
3.93%
4.00%
24 Month
Min Balance$35,000
DetailsJumbo; Minimum balance required to open account and earn the stated APY: $35,000/Jumbo; Yields compounded monthly; Early withdrawal penalty may apply
Last Updated10/13/2026
Rate History
1 change since Sep 14, 2026 · 3.60% → 4.00% ▲ 0.40 pts · high 4.00% / low 3.60%
Oct 9, 20264.00%▲ from 3.60%
Sep 14, 20263.60%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.03%
Standard Share Certificates - 36 Month
3.93%
4.00%
36 Month
Min Balance$500
DetailsStandard; Minimum balance required to open account and earn the stated APY: $500/Standard; Yields compounded monthly; Early withdrawal penalty may apply
Last Updated10/13/2026
Rate History
1 change since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
Oct 9, 20264.00%▲ from 3.50%
Sep 14, 20263.50%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.03%
Standard Share Certificates - 48 Month
3.93%
4.00%
48 Month
Min Balance$500
DetailsStandard; Minimum balance required to open account and earn the stated APY: $500/Standard; Yields compounded monthly; Early withdrawal penalty may apply
Last Updated10/13/2026
Rate History
1 change since Sep 14, 2026 · 3.35% → 4.00% ▲ 0.65 pts · high 4.00% / low 3.35%
Oct 9, 20264.00%▲ from 3.35%
Sep 14, 20263.35%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.03%
Standard Share Certificates - 60 Month
3.93%
4.00%
60 Month
Min Balance$500
DetailsStandard; Minimum balance required to open account and earn the stated APY: $500/Standard; Yields compounded monthly; Early withdrawal penalty may apply
Last Updated10/13/2026
Rate History
1 change since Sep 14, 2026 · 3.45% → 4.00% ▲ 0.55 pts · high 4.00% / low 3.45%
Oct 9, 20264.00%▲ from 3.45%
Sep 14, 20263.45%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.03%
24 Month Traditional Standard Share Certificates
3.69%
3.75%
24 Month
Min Balance$1,000
DetailsStandard; Minimum balance to open and earn stated APY: $1,000/Standard; Traditional/Roth IRA Share Certificates
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 3.75% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.03%
36 Month Share Certificates with Rate Bump Option
3.69%
3.75%
36 Month
Min Balance$500
DetailsStandard; Minimum balance to open and earn stated APY: $500/Standard; Rate Bump Option: allows a one-time bump to the current rate during certificate term; Early withdrawal penalty may apply; Yields compounded monthly
Last Updated10/13/2026
Rate History
1 change since Sep 18, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
Oct 13, 20263.75%▲ from 3.50%
Sep 18, 20263.50%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.03%
48 Month Share Certificates with Rate Bump Option
3.69%
3.75%
48 Month
Min Balance$500
DetailsStandard; Minimum balance to open and earn stated APY: $500/Standard; Rate Bump Option: allows a one-time bump to the current rate during certificate term; Early withdrawal penalty may apply; Yields compounded monthly
Last Updated10/13/2026
Rate History
1 change since Sep 18, 2026 · 3.10% → 3.75% ▲ 0.65 pts · high 3.75% / low 3.10%
Oct 13, 20263.75%▲ from 3.10%
Sep 18, 20263.10%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.03%
60 Month Share Certificates with Rate Bump Option
3.69%
3.75%
60 Month
Min Balance$500
DetailsStandard; Minimum balance to open and earn stated APY: $500/Standard; Rate Bump Option: allows a one-time bump to the current rate during certificate term; Early withdrawal penalty may apply; Yields compounded monthly
Last Updated10/13/2026
Rate History
1 change since Sep 18, 2026 · 3.20% → 3.75% ▲ 0.55 pts · high 3.75% / low 3.20%
Oct 13, 20263.75%▲ from 3.20%
Sep 18, 20263.20%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.03%
Standard Share Certificates - 18 Month
3.69%
3.75%
18 Month
Min Balance$500
DetailsStandard; Minimum balance required to open account and earn the stated APY: $500/Standard; Yields compounded monthly; Early withdrawal penalty may apply
Last Updated10/13/2026
Rate History
1 change since Sep 14, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
Oct 9, 20263.75%▲ from 3.50%
Sep 14, 20263.50%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.03%
Standard Share Certificates - 24 Month
3.69%
3.75%
24 Month
Min Balance$500
DetailsStandard; Minimum balance required to open account and earn the stated APY: $500/Standard; Yields compounded monthly; Early withdrawal penalty may apply
Last Updated10/13/2026
Rate History
1 change since Sep 14, 2026 · 3.35% → 3.75% ▲ 0.40 pts · high 3.75% / low 3.35%
Oct 9, 20263.75%▲ from 3.35%
Sep 14, 20263.35%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.03%
12 Month Traditional Standard Share Certificates
3.59%
3.65%
12 Month
Min Balance$35,000
DetailsJumbo; Minimum balance to open and earn stated APY: $35,000/Jumbo; Traditional/Roth IRA Share Certificates
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 3.65% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.03%
Jumbo Share Certificates - 12 Month
3.59%
3.65%
12 Month
Min Balance$35,000
DetailsJumbo; Minimum balance required to open account and earn the stated APY: $35,000/Jumbo; Yields compounded monthly; Early withdrawal penalty may apply
Last Updated10/13/2026
Rate History
1 change since Sep 14, 2026 · 3.50% → 3.65% ▲ 0.15 pts · high 3.65% / low 3.50%
Oct 9, 20263.65%▲ from 3.50%
Sep 14, 20263.50%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.03%
Jumbo Share Certificates - 9 Month
3.59%
3.65%
9 Month
Min Balance$35,000
DetailsJumbo; Minimum balance required to open account and earn the stated APY: $35,000/Jumbo; Yields compounded monthly; Early withdrawal penalty may apply
Last Updated10/13/2026
Rate History
1 change since Sep 14, 2026 · 3.50% → 3.65% ▲ 0.15 pts · high 3.65% / low 3.50%
Oct 9, 20263.65%▲ from 3.50%
Sep 14, 20263.50%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.03%
Jumbo Share Certificates - 6 Month
3.49%
3.55%
6 Month
Min Balance$35,000
DetailsJumbo; Minimum balance required to open account and earn the stated APY: $35,000/Jumbo; Yields compounded monthly; Early withdrawal penalty may apply
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.03%
12 Month Traditional Standard Share Certificates
3.35%
3.40%
12 Month
Min Balance$1,000
DetailsStandard; Minimum balance to open and earn stated APY: $1,000/Standard; Traditional/Roth IRA Share Certificates
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 3.40% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.03%
Standard Share Certificates - 12 Month
3.35%
3.40%
12 Month
Min Balance$500
DetailsStandard; Minimum balance required to open account and earn the stated APY: $500/Standard; Yields compounded monthly; Early withdrawal penalty may apply
Last Updated10/13/2026
Rate History
1 change since Sep 14, 2026 · 3.25% → 3.40% ▲ 0.15 pts · high 3.40% / low 3.25%
Oct 9, 20263.40%▲ from 3.25%
Sep 14, 20263.25%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.03%
Standard Share Certificates - 9 Month
3.35%
3.40%
9 Month
Min Balance$500
DetailsStandard; Minimum balance required to open account and earn the stated APY: $500/Standard; Yields compounded monthly; Early withdrawal penalty may apply
Last Updated10/13/2026
Rate History
1 change since Sep 14, 2026 · 3.25% → 3.40% ▲ 0.15 pts · high 3.40% / low 3.25%
Oct 9, 20263.40%▲ from 3.25%
Sep 14, 20263.25%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.03%
Standard Share Certificates - 6 Month
3.25%
3.30%
6 Month
Min Balance$500
DetailsStandard; Minimum balance required to open account and earn the stated APY: $500/Standard; Yields compounded monthly; Early withdrawal penalty may apply
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.03%
Ashland Credit Union Business CD Rates
Product
Rate
APY
Term
View More
36 Month Business Jumbo Share Certificate
4.17%
4.25%
36 Month
Min Deposit$35,000
DetailsDividends compounded & paid monthly; Early withdrawal penalty may apply
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 4.25% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.03%
48 Month Business Jumbo Share Certificate
4.17%
4.25%
48 Month
Min Deposit$35,000
DetailsDividends compounded & paid monthly; Early withdrawal penalty may apply
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 4.25% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.03%
60 Month Business Jumbo Share Certificate
4.17%
4.25%
60 Month
Min Deposit$35,000
DetailsDividends compounded & paid monthly; Early withdrawal penalty may apply
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 4.25% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.03%
18 Month Business Jumbo Share Certificate
3.93%
4.00%
18 Month
Min Deposit$35,000
DetailsDividends compounded & paid monthly; Early withdrawal penalty may apply
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: 7.03%
24 Month Business Jumbo Share Certificate
3.93%
4.00%
24 Month
Min Deposit$35,000
DetailsDividends compounded & paid monthly; Early withdrawal penalty may apply
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: 7.03%
36 Month Business Standard Share Certificate
3.93%
4.00%
36 Month
Min Deposit$2,500
DetailsDividends compounded & paid monthly; Early withdrawal penalty may apply
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: 7.03%
48 Month Business Standard Share Certificate
3.93%
4.00%
48 Month
Min Deposit$2,500
DetailsDividends compounded & paid monthly; Early withdrawal penalty may apply
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: 7.03%
60 Month Business Standard Share Certificate
3.93%
4.00%
60 Month
Min Deposit$2,500
DetailsDividends compounded & paid monthly; Early withdrawal penalty may apply
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: 7.03%
18 Month Business Standard Share Certificate
3.69%
3.75%
18 Month
Min Deposit$2,500
DetailsDividends compounded & paid monthly; Early withdrawal penalty may apply
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 3.75% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.03%
24 Month Business Standard Share Certificate
3.69%
3.75%
24 Month
Min Deposit$2,500
DetailsDividends compounded & paid monthly; Early withdrawal penalty may apply
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 3.75% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.03%
12 Month Business Jumbo Share Certificate
3.59%
3.65%
12 Month
Min Deposit$35,000
DetailsDividends compounded & paid monthly; Early withdrawal penalty may apply
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 3.65% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.03%
9 Month Business Jumbo Share Certificate
3.59%
3.65%
9 Month
Min Deposit$35,000
DetailsDividends compounded & paid monthly; Early withdrawal penalty may apply
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 3.65% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.03%
6 Month Business Jumbo Share Certificate
3.49%
3.55%
6 Month
Min Deposit$35,000
DetailsDividends compounded & paid monthly; Early withdrawal penalty may apply
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 3.55% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.03%
12 Month Business Standard Share Certificate
3.35%
3.40%
12 Month
Min Deposit$2,500
DetailsDividends compounded & paid monthly; Early withdrawal penalty may apply
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 3.40% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.03%
9 Month Business Standard Share Certificate
3.35%
3.40%
9 Month
Min Deposit$2,500
DetailsDividends compounded & paid monthly; Early withdrawal penalty may apply
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 3.40% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.03%
6 Month Business Standard Share Certificate
3.25%
3.30%
6 Month
Min Deposit$2,500
DetailsDividends compounded & paid monthly; Early withdrawal penalty may apply
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 3.30% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.03%
Ashland Credit Union Savings Rates
Product
Rate
APY
View More
Premium Savings
2.23%
2.25%
Min Balance$100,000
DetailsBalance: $100,000+; Minimum Amt to Receive APY: $100,000; Dividends compounded daily and paid monthly; Variable rate
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.03%
Health Savings Account
1.98%
2.00%
Min Balance$50
DetailsDividends compounded daily; dividends paid monthly; variable rate, may change after account opening; fees may reduce earnings
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: 7.03%
Premium Savings
1.98%
2.00%
Min Balance$50,000
DetailsBalance: $50,000 to $99,999; Minimum Amt to Receive APY: $50,000; Dividends compounded daily and paid monthly; Variable rate
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: 7.03%
Premium Savings
1.735%
1.75%
Min Balance$10,000
DetailsBalance: $10,000 to $49,999; Minimum Amt to Receive APY: $10,000; Dividends compounded daily and paid monthly; Variable rate
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 1.75% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.03%
Premium Savings
1.49%
1.50%
Min Balance$500
DetailsBalance: $500 to $9,999; Minimum Amt to Receive APY: $500; Dividends compounded daily and paid monthly; Variable rate
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.03%
Regular Shares
0.50%
0.50%
Min Balance$25
DetailsDividends compounded quarterly; dividends paid quarterly; Required for membership; Accessible at 30,000 ATMs nationwide (checking account required)
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 6 times
DetailsAs Low As; Not all will qualify for lowest rate.
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 5.75% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.03%
Ashland Credit Union Auto Loan Rates
Product
Rate
Points
APR
Term
View More
Auto Loan - New & Used Automobiles
4.49%
-
4.66%
0-36 Months
DetailsAs Low As; Vehicles older than 7 years prior to current year receive the "Classic" rate.
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 4.66% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.03%
Auto Loan - New & Used Automobiles
4.99%
-
5.08%
61-72 Months
DetailsAs Low As; Minimum Value: $15,000
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 5.08% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.03%
Auto Loan - New & Used Automobiles
4.99%
-
5.09%
49-60 Months
DetailsAs Low As
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 5.09% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.03%
Auto Loan - New & Used Automobiles
4.99%
-
5.12%
37-48 Months
DetailsAs Low As
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 5.12% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.03%
Auto Loan - New & Used Automobiles
5.99%
-
6.07%
73-84 Months
DetailsAs Low As; Minimum Value: $40,000
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 6.07% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.03%
Ashland Credit Union Credit Card Rates
Product
Rate
APR
View More
Visa Platinum
-
11.49%
DetailsAs Low As; Variable rate; Minimum $500 line of credit; No annual fee, no balance transfer fee, no foreign transaction fee; Cash advance fee is 2% of the advance amount; APR was between 11.49% - 21.49% as of August 2, 2026
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 11.49% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.03%
Ashland Credit Union Personal Loan Rates
Product
APR
Term
View More
Personal Loan
9.99%
12 Month
DetailsAs Low As; Maximum amount of $25,000 or 20% of annual income; Includes 0.50% electronic payment discount; rate increases 0.50% if electronic payments are discontinued
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 9.99% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.03%
Personal Loan
10.49%
24 Month
DetailsAs Low As; Maximum amount of $25,000 or 20% of annual income; Includes 0.50% electronic payment discount; rate increases 0.50% if electronic payments are discontinued
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 10.49% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.03%
Personal Loan
10.99%
36 Month
DetailsAs Low As; Maximum amount of $25,000 or 20% of annual income; Includes 0.50% electronic payment discount; rate increases 0.50% if electronic payments are discontinued
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 10.99% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.03%
Personal Loan
11.49%
48 Month
DetailsAs Low As; Maximum amount of $25,000 or 20% of annual income; Includes 0.50% electronic payment discount; rate increases 0.50% if electronic payments are discontinued
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 11.49% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.03%
Personal Loan
11.99%
60 month
DetailsAs Low As; Maximum amount of $25,000 or 20% of annual income; Includes 0.50% electronic payment discount; rate increases 0.50% if electronic payments are discontinued
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 11.99% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.03%
Ashland Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
New Farm Equipment
7.74%
-
8.08%
0-36 Months
DetailsAs Low As; APR based off a $20,000.00 loan with fees of $100. Not all will qualify for lowest rates.
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 8.08% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.03%
New Farm Equipment
7.74%
-
8.00%
37-48 Months
DetailsAs Low As; APR based off a $20,000.00 loan with fees of $100. Not all will qualify for lowest rates.
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 8.00% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.03%
New Farm Equipment
7.74%
-
7.95%
49-60 Months
DetailsAs Low As; APR based off a $20,000.00 loan with fees of $100. Not all will qualify for lowest rates.
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 7.95% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.03%
Used Farm Equipment
8.99%
-
9.33%
0-36 Months
DetailsAs Low As; APR based off a $20,000.00 loan with fees of $100. Not all will qualify for lowest rates.
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 9.33% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.03%
Used Farm Equipment
8.99%
-
9.25%
37-48 Months
DetailsAs Low As; APR based off a $20,000.00 loan with fees of $100. Not all will qualify for lowest rates.
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 9.25% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.03%
Used Farm Equipment
8.99%
-
9.20%
49-60 Months
DetailsAs Low As; APR based off a $20,000.00 loan with fees of $100. Not all will qualify for lowest rates.
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 9.20% APR · checked 6 times
DetailsDividends compounded Daily; Dividends paid Monthly; Minimum Amt to Receive APY: $5; A penalty may be charged for early withdrawal
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: 7.03%
Financial Health History
Ashland Credit Union’s Texas Ratio rose from 3.28% in Q3 2023 to 7.03% 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 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
$412M
7.03%
5.0
A
March 31, 2026
$412M
8.04%
5.0
A
December 31, 2025
$409M
8.09%
5.0
A
September 30, 2025
$409M
8.26%
5.0
A
June 30, 2025
$410M
6.66%
5.0
A
March 31, 2025
$408M
6.80%
5.0
A
December 31, 2024
$404M
7.89%
5.0
A
September 30, 2024
$403M
6.76%
5.0
A
June 30, 2024
$397M
5.19%
5.0
A+
March 31, 2024
$391M
4.12%
5.0
A+
December 31, 2023
$376M
4.33%
5.0
A+
September 30, 2023
$371M
3.28%
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 Ashland 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 Ashland 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 Ashland Credit Union's official website for the most current offers and terms.
Address
305 MARTIN LUTHER KING JR BLVD,
ASHLAND, KY 41101
Phone606-329-5489
Fax
PresidentJoseph Hsu
CEOLARRY LUCAS
Full-Time Employees84
Part-Time Employees2
Branch Locations5
ATM Locations5
NCUA Insured✓ Yes, up to $250,000 per depositor
Financials
MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (96/100)
Texas Ratio
7.03%
Return on Assets (ROA)
0.1292%
Return on Equity (ROE)
1.0535%
Non-Performing Loans Ratio (NPL)
1.29%
Total Assets
411,822,731
Total Amount of Shares and Deposits
354,814,424
Total Shares and Deposits < 1 Year
310,121,118
Total Shares and Deposits 1 3 Years
40,351,236
Total Shares and Deposits > 3 Years
4,342,070
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
12,898,264
Total Uninsured Shares and Deposits > $250K (F+J)
12,898,264
Total Insured Shares and Deposits > $250K (item 17 less item K)
341,916,160
Total Interest Expense (Sum of items 6 8)
4,656,755
Share Certificates
3,406
Number of Accounts for Share Drafts
13,400
IRA KEOGH Accounts
554
Number of Accounts for Regular Shares
54,084
All other shares
185
Money Market Shares
7,816
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)
23,747,886
Total Liabilities
364,634,396
Source: NCUA — Last Updated 06/30/2026
Q2 2026 MBR Health & Safety Badge
Ashland 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
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Frequently Asked Questions About Ashland Credit Union
How many branches does Ashland Credit Union operate?
Ashland 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 Ashland Credit Union?
Yes, to access services at Ashland 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, Ashland 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, Ashland Credit Union provides members with tools to manage their accounts and build a solid financial history.
Does Ashland Credit Union offer online and mobile banking?
Most modern institutions like Ashland 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.ashlandcu.org.
Current Ashland Credit Union Rates
12-Month CD3.40%
18-Month CD3.75%
24-Month CD3.75%
60-Month CD3.75%
Savings2.25%
Retrieved from our database of financial products. Rates subject to change.