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Ashland Credit Union Rates & Review October 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.

MonitorBankRates Verified Healthy Badge Q2 2026 Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A
Excellent Health Score: 96/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
7.03%
Excellent Higher than avg
Health Trend ?
Steady 12 quarters
Full history ›
Ashland Credit Union
ACU Headquarters
305 MARTIN LUTHER KING JR BLVD
ASHLAND, KY 41101
https://www.ashlandcu.org
Member NCUA
Customer Reviews
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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
Details Jumbo; Minimum balance to open and earn stated APY: $35,000/Jumbo; Traditional/Roth IRA Share Certificates
Last Updated 10/13/2026
Rate History
No change since Oct 13, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 13, 2026: 4.25% APYOct 13, 2026Oct 15, 2026
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
Details Jumbo; Minimum balance to open and earn stated APY: $35,000/Jumbo; Traditional/Roth IRA Share Certificates
Last Updated 10/13/2026
Rate History
No change since Oct 13, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 13, 2026: 4.25% APYOct 13, 2026Oct 15, 2026
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
Details Jumbo; Minimum balance to open and earn stated APY: $35,000/Jumbo; Traditional/Roth IRA Share Certificates
Last Updated 10/13/2026
Rate History
No change since Oct 13, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 13, 2026: 4.25% APYOct 13, 2026Oct 15, 2026
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
Details Jumbo; Minimum balance required to open account and earn the stated APY: $35,000/Jumbo; Yields compounded monthly; Early withdrawal penalty may apply
Last Updated 10/13/2026
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
3.25%4.00%4.75%Sep 14, 2026: 3.75% APYOct 9, 2026: 4.25% APYSep 14, 2026Oct 15, 2026
  • 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
Details Jumbo; Minimum balance required to open account and earn the stated APY: $35,000/Jumbo; Yields compounded monthly; Early withdrawal penalty may apply
Last Updated 10/13/2026
Rate History
1 change since Sep 14, 2026 · 3.60% → 4.25% ▲ 0.65 pts · high 4.25% / low 3.60%
2.95%3.93%4.90%Sep 14, 2026: 3.60% APYOct 9, 2026: 4.25% APYSep 14, 2026Oct 15, 2026
  • 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
Details Jumbo; Minimum balance required to open account and earn the stated APY: $35,000/Jumbo; Yields compounded monthly; Early withdrawal penalty may apply
Last Updated 10/13/2026
Rate History
1 change since Sep 14, 2026 · 3.70% → 4.25% ▲ 0.55 pts · high 4.25% / low 3.70%
3.15%3.98%4.80%Sep 14, 2026: 3.70% APYOct 9, 2026: 4.25% APYSep 14, 2026Oct 15, 2026
  • 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
Details Jumbo; Minimum balance to open and earn stated APY: $35,000/Jumbo; Traditional/Roth IRA Share Certificates
Last Updated 10/13/2026
Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 15, 2026
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
Details Jumbo; 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 Updated 10/13/2026
Rate History
1 change since Sep 18, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 18, 2026: 3.75% APYOct 13, 2026: 4.00% APYSep 18, 2026Oct 15, 2026
  • 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
Details Standard; Minimum balance to open and earn stated APY: $1,000/Standard; Traditional/Roth IRA Share Certificates
Last Updated 10/13/2026
Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 15, 2026
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
Details Jumbo; 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 Updated 10/13/2026
Rate History
1 change since Sep 18, 2026 · 3.35% → 4.00% ▲ 0.65 pts · high 4.00% / low 3.35%
2.70%3.68%4.65%Sep 18, 2026: 3.35% APYOct 13, 2026: 4.00% APYSep 18, 2026Oct 15, 2026
  • 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
Details Standard; Minimum balance to open and earn stated APY: $1,000/Standard; Traditional/Roth IRA Share Certificates
Last Updated 10/13/2026
Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 15, 2026
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
Details Jumbo; 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 Updated 10/13/2026
Rate History
1 change since Sep 18, 2026 · 3.45% → 4.00% ▲ 0.55 pts · high 4.00% / low 3.45%
2.90%3.73%4.55%Sep 18, 2026: 3.45% APYOct 13, 2026: 4.00% APYSep 18, 2026Oct 15, 2026
  • 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
Details Standard; Minimum balance to open and earn stated APY: $1,000/Standard; Traditional/Roth IRA Share Certificates
Last Updated 10/13/2026
Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 15, 2026
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
Details Jumbo; Minimum balance required to open account and earn the stated APY: $35,000/Jumbo; Yields compounded monthly; Early withdrawal penalty may apply
Last Updated 10/13/2026
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 14, 2026: 3.75% APYOct 9, 2026: 4.00% APYSep 14, 2026Oct 15, 2026
  • 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
Details Jumbo; Minimum balance required to open account and earn the stated APY: $35,000/Jumbo; Yields compounded monthly; Early withdrawal penalty may apply
Last Updated 10/13/2026
Rate History
1 change since Sep 14, 2026 · 3.60% → 4.00% ▲ 0.40 pts · high 4.00% / low 3.60%
3.10%3.80%4.50%Sep 14, 2026: 3.60% APYOct 9, 2026: 4.00% APYSep 14, 2026Oct 15, 2026
  • 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
Details Standard; Minimum balance required to open account and earn the stated APY: $500/Standard; Yields compounded monthly; Early withdrawal penalty may apply
Last Updated 10/13/2026
Rate History
1 change since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 14, 2026: 3.50% APYOct 9, 2026: 4.00% APYSep 14, 2026Oct 15, 2026
  • 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
Details Standard; Minimum balance required to open account and earn the stated APY: $500/Standard; Yields compounded monthly; Early withdrawal penalty may apply
Last Updated 10/13/2026
Rate History
1 change since Sep 14, 2026 · 3.35% → 4.00% ▲ 0.65 pts · high 4.00% / low 3.35%
2.70%3.68%4.65%Sep 14, 2026: 3.35% APYOct 9, 2026: 4.00% APYSep 14, 2026Oct 15, 2026
  • 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
Details Standard; Minimum balance required to open account and earn the stated APY: $500/Standard; Yields compounded monthly; Early withdrawal penalty may apply
Last Updated 10/13/2026
Rate History
1 change since Sep 14, 2026 · 3.45% → 4.00% ▲ 0.55 pts · high 4.00% / low 3.45%
2.90%3.73%4.55%Sep 14, 2026: 3.45% APYOct 9, 2026: 4.00% APYSep 14, 2026Oct 15, 2026
  • 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
Details Standard; Minimum balance to open and earn stated APY: $1,000/Standard; Traditional/Roth IRA Share Certificates
Last Updated 10/13/2026
Rate History
No change since Oct 13, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 13, 2026: 3.75% APYOct 13, 2026Oct 15, 2026
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
Details Standard; 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 Updated 10/13/2026
Rate History
1 change since Sep 18, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
3.00%3.63%4.25%Sep 18, 2026: 3.50% APYOct 13, 2026: 3.75% APYSep 18, 2026Oct 15, 2026
  • 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
Details Standard; 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 Updated 10/13/2026
Rate History
1 change since Sep 18, 2026 · 3.10% → 3.75% ▲ 0.65 pts · high 3.75% / low 3.10%
2.45%3.43%4.40%Sep 18, 2026: 3.10% APYOct 13, 2026: 3.75% APYSep 18, 2026Oct 15, 2026
  • 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
Details Standard; 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 Updated 10/13/2026
Rate History
1 change since Sep 18, 2026 · 3.20% → 3.75% ▲ 0.55 pts · high 3.75% / low 3.20%
2.65%3.48%4.30%Sep 18, 2026: 3.20% APYOct 13, 2026: 3.75% APYSep 18, 2026Oct 15, 2026
  • 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
Details Standard; Minimum balance required to open account and earn the stated APY: $500/Standard; Yields compounded monthly; Early withdrawal penalty may apply
Last Updated 10/13/2026
Rate History
1 change since Sep 14, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
3.00%3.63%4.25%Sep 14, 2026: 3.50% APYOct 9, 2026: 3.75% APYSep 14, 2026Oct 15, 2026
  • 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
Details Standard; Minimum balance required to open account and earn the stated APY: $500/Standard; Yields compounded monthly; Early withdrawal penalty may apply
Last Updated 10/13/2026
Rate History
1 change since Sep 14, 2026 · 3.35% → 3.75% ▲ 0.40 pts · high 3.75% / low 3.35%
2.85%3.55%4.25%Sep 14, 2026: 3.35% APYOct 9, 2026: 3.75% APYSep 14, 2026Oct 15, 2026
  • 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
Details Jumbo; Minimum balance to open and earn stated APY: $35,000/Jumbo; Traditional/Roth IRA Share Certificates
Last Updated 10/13/2026
Rate History
No change since Oct 13, 2026 · 3.65% APY
3.15%3.65%4.15%Oct 13, 2026: 3.65% APYOct 13, 2026Oct 15, 2026
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
Details Jumbo; Minimum balance required to open account and earn the stated APY: $35,000/Jumbo; Yields compounded monthly; Early withdrawal penalty may apply
Last Updated 10/13/2026
Rate History
1 change since Sep 14, 2026 · 3.50% → 3.65% ▲ 0.15 pts · high 3.65% / low 3.50%
3.00%3.58%4.15%Sep 14, 2026: 3.50% APYOct 9, 2026: 3.65% APYSep 14, 2026Oct 15, 2026
  • 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
Details Jumbo; Minimum balance required to open account and earn the stated APY: $35,000/Jumbo; Yields compounded monthly; Early withdrawal penalty may apply
Last Updated 10/13/2026
Rate History
1 change since Sep 14, 2026 · 3.50% → 3.65% ▲ 0.15 pts · high 3.65% / low 3.50%
3.00%3.58%4.15%Sep 14, 2026: 3.50% APYOct 9, 2026: 3.65% APYSep 14, 2026Oct 15, 2026
  • 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
Details Jumbo; Minimum balance required to open account and earn the stated APY: $35,000/Jumbo; Yields compounded monthly; Early withdrawal penalty may apply
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 3 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 15, 2026
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
Details Standard; Minimum balance to open and earn stated APY: $1,000/Standard; Traditional/Roth IRA Share Certificates
Last Updated 10/13/2026
Rate History
No change since Oct 13, 2026 · 3.40% APY
2.90%3.40%3.90%Oct 13, 2026: 3.40% APYOct 13, 2026Oct 15, 2026
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
Details Standard; Minimum balance required to open account and earn the stated APY: $500/Standard; Yields compounded monthly; Early withdrawal penalty may apply
Last Updated 10/13/2026
Rate History
1 change since Sep 14, 2026 · 3.25% → 3.40% ▲ 0.15 pts · high 3.40% / low 3.25%
2.75%3.33%3.90%Sep 14, 2026: 3.25% APYOct 9, 2026: 3.40% APYSep 14, 2026Oct 15, 2026
  • 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
Details Standard; Minimum balance required to open account and earn the stated APY: $500/Standard; Yields compounded monthly; Early withdrawal penalty may apply
Last Updated 10/13/2026
Rate History
1 change since Sep 14, 2026 · 3.25% → 3.40% ▲ 0.15 pts · high 3.40% / low 3.25%
2.75%3.33%3.90%Sep 14, 2026: 3.25% APYOct 9, 2026: 3.40% APYSep 14, 2026Oct 15, 2026
  • 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
Details Standard; Minimum balance required to open account and earn the stated APY: $500/Standard; Yields compounded monthly; Early withdrawal penalty may apply
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 3 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 15, 2026
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
Details Dividends compounded & paid monthly; Early withdrawal penalty may apply
Last Updated 10/13/2026
Rate History
No change since Oct 13, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 13, 2026: 4.25% APYOct 13, 2026Oct 15, 2026
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
Details Dividends compounded & paid monthly; Early withdrawal penalty may apply
Last Updated 10/13/2026
Rate History
No change since Oct 13, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 13, 2026: 4.25% APYOct 13, 2026Oct 15, 2026
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
Details Dividends compounded & paid monthly; Early withdrawal penalty may apply
Last Updated 10/13/2026
Rate History
No change since Oct 13, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 13, 2026: 4.25% APYOct 13, 2026Oct 15, 2026
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
Details Dividends compounded & paid monthly; Early withdrawal penalty may apply
Last Updated 10/13/2026
Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 15, 2026
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
Details Dividends compounded & paid monthly; Early withdrawal penalty may apply
Last Updated 10/13/2026
Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 15, 2026
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
Details Dividends compounded & paid monthly; Early withdrawal penalty may apply
Last Updated 10/13/2026
Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 15, 2026
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
Details Dividends compounded & paid monthly; Early withdrawal penalty may apply
Last Updated 10/13/2026
Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 15, 2026
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
Details Dividends compounded & paid monthly; Early withdrawal penalty may apply
Last Updated 10/13/2026
Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 15, 2026
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
Details Dividends compounded & paid monthly; Early withdrawal penalty may apply
Last Updated 10/13/2026
Rate History
No change since Oct 13, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 13, 2026: 3.75% APYOct 13, 2026Oct 15, 2026
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
Details Dividends compounded & paid monthly; Early withdrawal penalty may apply
Last Updated 10/13/2026
Rate History
No change since Oct 13, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 13, 2026: 3.75% APYOct 13, 2026Oct 15, 2026
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
Details Dividends compounded & paid monthly; Early withdrawal penalty may apply
Last Updated 10/13/2026
Rate History
No change since Oct 13, 2026 · 3.65% APY
3.15%3.65%4.15%Oct 13, 2026: 3.65% APYOct 13, 2026Oct 15, 2026
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
Details Dividends compounded & paid monthly; Early withdrawal penalty may apply
Last Updated 10/13/2026
Rate History
No change since Oct 13, 2026 · 3.65% APY
3.15%3.65%4.15%Oct 13, 2026: 3.65% APYOct 13, 2026Oct 15, 2026
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
Details Dividends compounded & paid monthly; Early withdrawal penalty may apply
Last Updated 10/13/2026
Rate History
No change since Oct 13, 2026 · 3.55% APY
3.05%3.55%4.05%Oct 13, 2026: 3.55% APYOct 13, 2026Oct 15, 2026
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
Details Dividends compounded & paid monthly; Early withdrawal penalty may apply
Last Updated 10/13/2026
Rate History
No change since Oct 13, 2026 · 3.40% APY
2.90%3.40%3.90%Oct 13, 2026: 3.40% APYOct 13, 2026Oct 15, 2026
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
Details Dividends compounded & paid monthly; Early withdrawal penalty may apply
Last Updated 10/13/2026
Rate History
No change since Oct 13, 2026 · 3.40% APY
2.90%3.40%3.90%Oct 13, 2026: 3.40% APYOct 13, 2026Oct 15, 2026
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
Details Dividends compounded & paid monthly; Early withdrawal penalty may apply
Last Updated 10/13/2026
Rate History
No change since Oct 13, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 13, 2026: 3.30% APYOct 13, 2026Oct 15, 2026
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
Details Balance: $100,000+; Minimum Amt to Receive APY: $100,000; Dividends compounded daily and paid monthly; Variable rate
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 6 times
1.75%2.25%2.75%Sep 14, 2026: 2.25% APYSep 14, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.03%
Health Savings Account 1.98% 2.00%
Min Balance $50
Details Dividends compounded daily; dividends paid monthly; variable rate, may change after account opening; fees may reduce earnings
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 6 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.03%
Premium Savings 1.98% 2.00%
Min Balance $50,000
Details Balance: $50,000 to $99,999; Minimum Amt to Receive APY: $50,000; Dividends compounded daily and paid monthly; Variable rate
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 6 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.03%
Premium Savings 1.735% 1.75%
Min Balance $10,000
Details Balance: $10,000 to $49,999; Minimum Amt to Receive APY: $10,000; Dividends compounded daily and paid monthly; Variable rate
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 1.75% APY · checked 6 times
1.25%1.75%2.25%Sep 14, 2026: 1.75% APYSep 14, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.03%
Premium Savings 1.49% 1.50%
Min Balance $500
Details Balance: $500 to $9,999; Minimum Amt to Receive APY: $500; Dividends compounded daily and paid monthly; Variable rate
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 6 times
1.00%1.50%2.00%Sep 14, 2026: 1.50% APYSep 14, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.03%
Regular Shares 0.50% 0.50%
Min Balance $25
Details Dividends compounded quarterly; dividends paid quarterly; Required for membership; Accessible at 30,000 ATMs nationwide (checking account required)
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 6 times
0.00%0.50%1.00%Sep 14, 2026: 0.50% APYSep 14, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.03%
Share Savings Account - Regular Shares 0.50% 0.50%
Min Balance $25
Details Dividends compounded quarterly; dividends paid quarterly
Last Updated 10/13/2026
Rate History
No change since Oct 13, 2026 · 0.50% APY
0.00%0.50%1.00%Oct 13, 2026: 0.50% APYOct 13, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.03%

Ashland Credit Union Business Savings Rates

Product Rate APY View More
Business Regular Share (S2) 1.985% 2.00%
Min Balance $100,000
Details Balance: $100,000 +; Dividends compounded Quarterly; Dividends paid Quarterly
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 5 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.03%
Business Regular Share (S2) 1.739% 1.75%
Min Balance $10,000
Details Balance: $10,000 to $99,999.99; Dividends compounded Quarterly; Dividends paid Quarterly
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 1.75% APY · checked 5 times
1.25%1.75%2.25%Sep 14, 2026: 1.75% APYSep 14, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.03%
Business Regular Share (S2) 0.50% 0.50%
Min Balance $0
Details Balance: $0 to $24.99; Dividends compounded Quarterly; Dividends paid Quarterly
Last Updated 10/13/2026
Rate History
No change since Sep 18, 2026 · 0.50% APY · checked 4 times
0.00%0.50%1.00%Sep 18, 2026: 0.50% APYSep 18, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.03%
Business Regular Share (S2) 0.50% 0.50%
Min Balance $25
Details Balance: $25 to $9,999.99; Dividends compounded Quarterly; Dividends paid Quarterly
Last Updated 10/13/2026
Rate History
No change since Sep 18, 2026 · 0.50% APY · checked 4 times
0.00%0.50%1.00%Sep 18, 2026: 0.50% APYSep 18, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.03%

Ashland Credit Union Checking Rates

Product Rate APY View More
Checking 0.50% 0.50%
Min Balance $100,000
Details Balance: $100,000 and over; Dividends compounded daily; Dividends paid monthly
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 6 times
0.00%0.50%1.00%Sep 14, 2026: 0.50% APYSep 14, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.03%
Share Draft Checking 0.50% 0.50%
Min Deposit $0
Min Balance $100,000
Details Balance: $100,000 and over; Dividends compounded daily, paid monthly
Last Updated 10/13/2026
Rate History
No change since Oct 13, 2026 · 0.50% APY
0.00%0.50%1.00%Oct 13, 2026: 0.50% APYOct 13, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.03%
Checking 0.40% 0.40%
Min Balance $50,000
Details Balance: $50,000 to $99,999; Dividends compounded daily; Dividends paid monthly
Last Updated 10/13/2026
Rate History
No change since Sep 18, 2026 · 0.40% APY · checked 5 times
0.00%0.45%0.90%Sep 18, 2026: 0.40% APYSep 18, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.03%
Share Draft Checking 0.40% 0.40%
Min Deposit $0
Min Balance $50,000
Details Balance: $50,000 - $99,999; Dividends compounded daily, paid monthly
Last Updated 10/13/2026
Rate History
No change since Oct 13, 2026 · 0.40% APY
0.00%0.45%0.90%Oct 13, 2026: 0.40% APYOct 13, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.03%
Checking 0.20% 0.20%
Min Balance $10,000
Details Balance: $10,000 to $49,999; Dividends compounded daily; Dividends paid monthly
Last Updated 10/13/2026
Rate History
No change since Sep 18, 2026 · 0.20% APY · checked 5 times
0.00%0.35%0.70%Sep 18, 2026: 0.20% APYSep 18, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.03%
Share Draft Checking 0.20% 0.20%
Min Deposit $0
Min Balance $10,000
Details Balance: $10,000 - $49,999; Dividends compounded daily, paid monthly
Last Updated 10/13/2026
Rate History
No change since Oct 13, 2026 · 0.20% APY
0.00%0.35%0.70%Oct 13, 2026: 0.20% APYOct 13, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.03%
Checking 0.10% 0.10%
Min Balance $500
Details Balance: $500 to $9,999; Dividends compounded daily; Dividends paid monthly
Last Updated 10/13/2026
Rate History
No change since Sep 18, 2026 · 0.10% APY · checked 5 times
0.00%0.30%0.60%Sep 18, 2026: 0.10% APYSep 18, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.03%
Share Draft Checking 0.10% 0.10%
Min Deposit $0
Min Balance $500
Details Balance: $500 - $9,999; Dividends compounded daily, paid monthly
Last Updated 10/13/2026
Rate History
No change since Oct 13, 2026 · 0.10% APY
0.00%0.30%0.60%Oct 13, 2026: 0.10% APYOct 13, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.03%

Ashland Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity - - 5.75%
Details As Low As; Not all will qualify for lowest rate.
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 5.75% APR · checked 7 times
5.25%5.75%6.25%Sep 14, 2026: 5.75% APRSep 14, 2026Oct 15, 2026
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
Details As Low As; Vehicles older than 7 years prior to current year receive the "Classic" rate.
Last Updated 10/13/2026
Rate History
No change since Oct 13, 2026 · 4.66% APR
4.16%4.66%5.16%Oct 13, 2026: 4.66% APROct 13, 2026Oct 15, 2026
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
Details As Low As; Minimum Value: $15,000
Last Updated 10/13/2026
Rate History
No change since Oct 13, 2026 · 5.08% APR
4.58%5.08%5.58%Oct 13, 2026: 5.08% APROct 13, 2026Oct 15, 2026
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
Details As Low As
Last Updated 10/13/2026
Rate History
No change since Oct 13, 2026 · 5.09% APR
4.59%5.09%5.59%Oct 13, 2026: 5.09% APROct 13, 2026Oct 15, 2026
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
Details As Low As
Last Updated 10/13/2026
Rate History
No change since Oct 13, 2026 · 5.12% APR
4.62%5.12%5.62%Oct 13, 2026: 5.12% APROct 13, 2026Oct 15, 2026
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
Details As Low As; Minimum Value: $40,000
Last Updated 10/13/2026
Rate History
No change since Oct 13, 2026 · 6.07% APR
5.57%6.07%6.57%Oct 13, 2026: 6.07% APROct 13, 2026Oct 15, 2026
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%
Details As 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 Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 11.49% APR · checked 6 times
10.99%11.49%11.99%Sep 14, 2026: 11.49% APRSep 14, 2026Oct 15, 2026
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
Details As 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 Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 9.99% APR · checked 6 times
9.49%9.99%10.49%Sep 14, 2026: 9.99% APRSep 14, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.03%
Personal Loan 10.49% 24 Month
Details As 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 Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 10.49% APR · checked 6 times
9.99%10.49%10.99%Sep 14, 2026: 10.49% APRSep 14, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.03%
Personal Loan 10.99% 36 Month
Details As 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 Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 10.99% APR · checked 6 times
10.49%10.99%11.49%Sep 14, 2026: 10.99% APRSep 14, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.03%
Personal Loan 11.49% 48 Month
Details As 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 Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 11.49% APR · checked 6 times
10.99%11.49%11.99%Sep 14, 2026: 11.49% APRSep 14, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.03%
Personal Loan 11.99% 60 month
Details As 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 Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 11.99% APR · checked 6 times
11.49%11.99%12.49%Sep 14, 2026: 11.99% APRSep 14, 2026Oct 15, 2026
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
Details As Low As; APR based off a $20,000.00 loan with fees of $100. Not all will qualify for lowest rates.
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 8.08% APR · checked 6 times
7.58%8.08%8.58%Sep 14, 2026: 8.08% APRSep 14, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.03%
New Farm Equipment 7.74% - 8.00% 37-48 Months
Details As Low As; APR based off a $20,000.00 loan with fees of $100. Not all will qualify for lowest rates.
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 8.00% APR · checked 6 times
7.50%8.00%8.50%Sep 14, 2026: 8.00% APRSep 14, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.03%
New Farm Equipment 7.74% - 7.95% 49-60 Months
Details As Low As; APR based off a $20,000.00 loan with fees of $100. Not all will qualify for lowest rates.
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 7.95% APR · checked 6 times
7.45%7.95%8.45%Sep 14, 2026: 7.95% APRSep 14, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.03%
Used Farm Equipment 8.99% - 9.33% 0-36 Months
Details As Low As; APR based off a $20,000.00 loan with fees of $100. Not all will qualify for lowest rates.
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 9.33% APR · checked 6 times
8.83%9.33%9.83%Sep 14, 2026: 9.33% APRSep 14, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.03%
Used Farm Equipment 8.99% - 9.25% 37-48 Months
Details As Low As; APR based off a $20,000.00 loan with fees of $100. Not all will qualify for lowest rates.
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 9.25% APR · checked 6 times
8.75%9.25%9.75%Sep 14, 2026: 9.25% APRSep 14, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.03%
Used Farm Equipment 8.99% - 9.20% 49-60 Months
Details As Low As; APR based off a $20,000.00 loan with fees of $100. Not all will qualify for lowest rates.
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 9.20% APR · checked 6 times
8.70%9.20%9.70%Sep 14, 2026: 9.20% APRSep 14, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.03%
Certificate Builder 1.49% - 1.50%
Details Dividends compounded daily; dividends paid monthly
Last Updated 10/13/2026
Rate History
No change since Oct 13, 2026 · 1.50% APY
1.00%1.50%2.00%Oct 13, 2026: 1.50% APYOct 13, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.03%
Traditional / Roth IRA 1.98% - 2.00%
Min Balance $5
Details Dividends compounded Daily; Dividends paid Monthly; Minimum Amt to Receive APY: $5; A penalty may be charged for early withdrawal
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 6 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 15, 2026
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.

0% 1.0★ 4.1% 2.0★ 8.3% 3.0★ 12.4% 4.0★ 16.5% 5.0★ 15% Verified Healthy limit – lower is healthier Healthy zone 3.28% A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A Q3 2024 A Q4 2024 A Q1 2025 A Q2 2025 A Q3 2025 A Q4 2025 A Q1 2026 7.03% A Q2 2026
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)
Powered by MonitorBankRates

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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$412M7.03%5.0A
March 31, 2026$412M8.04%5.0A
December 31, 2025$409M8.09%5.0A
September 30, 2025$409M8.26%5.0A
June 30, 2025$410M6.66%5.0A
March 31, 2025$408M6.80%5.0A
December 31, 2024$404M7.89%5.0A
September 30, 2024$403M6.76%5.0A
June 30, 2024$397M5.19%5.0A+
March 31, 2024$391M4.12%5.0A+
December 31, 2023$376M4.33%5.0A+
September 30, 2023$371M3.28%5.0A+
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.

Credit Union Profile & Overview

Credit Union Name Ashland Credit Union
Address 305 MARTIN LUTHER KING JR BLVD, ASHLAND, KY 41101
Phone 606-329-5489
Fax
President Joseph Hsu
CEO LARRY LUCAS
Full-Time Employees 84
Part-Time Employees 2
Branch Locations 5
ATM Locations 5
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
MonitorBankRates Verified Healthy Badge Q2 2026
Q2 2026 MBR Health & Safety Badge

Ashland Credit Union earned the Verified Healthy badge

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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.