What are the current interest rates at Ashland Credit Union?

Current rates for Ashland Credit Union include: 12-Month CD: 3.25%, 18-Month CD: 3.25%, 24-Month CD: 3.35%, 60-Month CD: 3.45%, Savings: 0.00%

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Ashland Credit Union

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Ashland Credit Union Rates & Review June 2026

Q: 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.

Q: 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.

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: June 16, 2026

Ashland Credit Union's 60 Month rates are at 3.45%, Traditional/Roth IRA CDs 60 Month rates are at 3.45%, 24 Month rates are at 3.35%, 36 Month rates are at 3.35%, 48 Month rates are at 3.35%. Ashland Credit Union's savings rates are at 0.00%. Ashland Credit Union's Personal Loan Rates are at 9.99%. 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 8.26%. Rates were last updated on 06/16/2026.

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.

Verified Healthy Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

8.26%

Excellent Higher than avg

Ashland Credit Union
ASHLAND CREDIT UNION

1300 CENTRAL AVE
ASHLAND, KY 41101 7550

https://www.ashlandcu.org

Ashland Credit Union CD Rates

Product	Rate	APY	Term
60 Month	3.40%	3.45%	60 Month
Min Balance $500 Details Jumbo Dividend Rate: 3.640%, Jumbo APY: 3.70% Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.26%
Traditional/Roth IRA Share Certificates 60 Month	3.40%	3.45%	60 Month
Min Balance $500 Details Jumbo Dividend Rate: 3.640%, Jumbo APY: 3.70% Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.26%
24 Month	3.30%	3.35%	24 Month
Min Balance $500 Details Jumbo Dividend Rate: 3.540%, Jumbo APY: 3.60% Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.26%
36 Month	3.30%	3.35%	36 Month
Min Balance $500 Details Jumbo Dividend Rate: 3.540%, Jumbo APY: 3.60% Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.26%
48 Month	3.30%	3.35%	48 Month
Min Balance $500 Details Jumbo Dividend Rate: 3.540%, Jumbo APY: 3.60% Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.26%
Traditional/Roth IRA Share Certificates 24 Month	3.30%	3.35%	24 Month
Min Balance $500 Details Jumbo Dividend Rate: 3.540%, Jumbo APY: 3.60% Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.26%
Traditional/Roth IRA Share Certificates 36 Month	3.30%	3.35%	36 Month
Min Balance $500 Details Jumbo Dividend Rate: 3.540%, Jumbo APY: 3.60% Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.26%
Traditional/Roth IRA Share Certificates 48 Month	3.30%	3.35%	48 Month
Min Balance $500 Details Jumbo Dividend Rate: 3.540%, Jumbo APY: 3.60% Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.26%
6 Month	3.25%	3.30%	6 Month
Min Balance $500 Details Jumbo Dividend Rate: 3.490%, Jumbo APY: 3.55% Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.26%
12 Month	3.20%	3.25%	12 Month
Min Balance $500 Details Jumbo Dividend Rate: 3.445%, Jumbo APY: 3.50% Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.26%
18 Month	3.20%	3.25%	18 Month
Min Balance $500 Details Jumbo Dividend Rate: 3.445%, Jumbo APY: 3.50% Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.26%
9 Month	3.20%	3.25%	9 Month
Min Balance $500 Details Jumbo Dividend Rate: 3.445%, Jumbo APY: 3.50% Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.26%
Traditional/Roth IRA Share Certificates 12 Month	3.20%	3.25%	12 Month
Min Balance $500 Details Jumbo Dividend Rate: 3.445%, Jumbo APY: 3.50% Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.26%

Ashland Credit Union Savings Rates

Product	Rate	APY
2026 Christmas Club	4.00%	4.00%
Details Rate applies to only the first $5,000 on deposit. Any funds over that amount will earn the regular share dividend rate in effect at the time of the posting date. A $25.00 fee is assessed for all withdrawals other than to close the account or to pay out the annual balance on the posting date. Fees may reduce earnings. Posting Date: November 1st Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.26%
2027 Vacation Club	4.00%	4.00%
Details Rate applies to only the first $5,000 on deposit. Any funds over that amount will earn the regular share dividend rate in effect at the time of the posting date. A $25.00 fee is assessed for all withdrawals other than to close the account or to pay out the annual balance on the posting date. Fees may reduce earnings. Posting Date: May 1st Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.26%
Premium Savings Tier 5	2.23%	2.25%
Min Balance $100,000 Details Fees may reduce earnings. The dividend rates compounded daily and paid monthly. These rates are variable rates. Rate may change after the opening of any of the above accounts. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.26%
Health Savings Account	1.98%	2.00%
Min Balance $50 Details These rates are variable rates. Rate may change after the opening of any of the above accounts. Fees may reduce earnings on the account. The dividend rates compounded daily and paid monthly. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.26%
Premium Savings Tier 4	1.98%	2.00%
Min Balance $50,000 Details Fees may reduce earnings. The dividend rates compounded daily and paid monthly. These rates are variable rates. Rate may change after the opening of any of the above accounts. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.26%
Premium Savings Tier 3	1.74%	1.75%
Min Balance $10,000 Details Fees may reduce earnings. The dividend rates compounded daily and paid monthly. These rates are variable rates. Rate may change after the opening of any of the above accounts. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.26%
Certificate Club	1.49%	1.50%
Details Posting Date: ** Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.26%
Premium Savings Tier 2	1.49%	1.50%
Min Balance $500 Details Fees may reduce earnings. The dividend rates compounded daily and paid monthly. These rates are variable rates. Rate may change after the opening of any of the above accounts. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.26%
Premium Savings Tier 1	-	0.00%
Min Balance $0 Details Fees may reduce earnings. The dividend rates compounded daily and paid monthly. These rates are variable rates. Rate may change after the opening of any of the above accounts. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.26%

Ashland Credit Union Checking Rates

Product	Rate	APY
Checking	0.50%	0.50%
Min Balance $100,000 Details Dividends Compounded: Daily; Dividends Paid: Monthly. Rate may change after the account is opened. Fees may reduce earnings. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.26%
Checking	0.40%	0.40%
Min Balance $50,000 Details Dividends Compounded: Daily; Dividends Paid: Monthly. Rate may change after the account is opened. Fees may reduce earnings. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.26%
Checking	0.20%	0.20%
Min Balance $10,000 Details Dividends Compounded: Daily; Dividends Paid: Monthly. Rate may change after the account is opened. Fees may reduce earnings. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.26%
Checking	0.10%	0.10%
Min Balance $500 Details Dividends Compounded: Daily; Dividends Paid: Monthly. Rate may change after the account is opened. Fees may reduce earnings. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.26%
Checking	-	0.00%
Min Balance $0 Details Dividends Compounded: Daily; Dividends Paid: Monthly. Rate may change after the account is opened. Fees may reduce earnings. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.26%
Checking (S50)	-	0.00%
Details Dividends Compounded: Daily; Dividends Paid: Monthly Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.26%

Ashland Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity	-	-	5.75%
Details As Low As Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.26%

Ashland Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
New & Used Auto Loans	-	-	4.83%	72 Months
Details As Low As Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.26%

Ashland Credit Union Credit Card Rates

Product	Rate	APR	View More
Visa® Platinum	-	11.74%
Details Variable rate; No annual fee, no balance transfer fee, no foreign transaction fee; Cash advance fee is 2% of the advance amount. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.26%

Ashland Credit Union Personal Loan Rates

Product	Rate	APR
Personal Loan	-	9.99%
Details As Low As; Maximum amount of $25,000 or 20% of annual income. Note: As Low As rate includes a 0.50% discount for loans currently enrolled in an electronic payment plan such as direct deposit, payroll deduction, or automatic withdrawal. If electronic payments are discontinued, the loan rate will increase 0.50%. Not all applicants will qualify for the lowest rates. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.26%
Personal Loan	-	10.49%
Details As Low As; Maximum amount of $25,000 or 20% of annual income. Note: As Low As rate includes a 0.50% discount for loans currently enrolled in an electronic payment plan such as direct deposit, payroll deduction, or automatic withdrawal. If electronic payments are discontinued, the loan rate will increase 0.50%. Not all applicants will qualify for the lowest rates. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.26%
Personal Loan	-	10.99%
Details As Low As; Maximum amount of $25,000 or 20% of annual income. Note: As Low As rate includes a 0.50% discount for loans currently enrolled in an electronic payment plan such as direct deposit, payroll deduction, or automatic withdrawal. If electronic payments are discontinued, the loan rate will increase 0.50%. Not all applicants will qualify for the lowest rates. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.26%
Personal Loan	-	11.49%
Details As Low As; Maximum amount of $25,000 or 20% of annual income. Note: As Low As rate includes a 0.50% discount for loans currently enrolled in an electronic payment plan such as direct deposit, payroll deduction, or automatic withdrawal. If electronic payments are discontinued, the loan rate will increase 0.50%. Not all applicants will qualify for the lowest rates. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.26%
Personal Loan	-	11.99%
Details As Low As; Maximum amount of $25,000 or 20% of annual income. Note: As Low As rate includes a 0.50% discount for loans currently enrolled in an electronic payment plan such as direct deposit, payroll deduction, or automatic withdrawal. If electronic payments are discontinued, the loan rate will increase 0.50%. Not all applicants will qualify for the lowest rates. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.26%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

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

Website https://www.ashlandcu.org

Address 1300 CENTRAL AVE, ASHLAND, KY 41101 7550

Phone 606-329-5489

Fax

President Marita Werner

CEO LARRY LUCAS

Full-Time Employees 85

Part-Time Employees 2

Branch Locations 5

ATM Locations 6

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

8.26%

Return on Assets (ROA)

0.6205%

Return on Equity (ROE)

5.1233%

Non-Performing Loans Ratio (NPL)

1.50%

Total Assets

409,455,860

Total Amount of Shares and Deposits

351,545,497

Total Shares and Deposits < 1 Year

307,322,898

Total Shares and Deposits 1 3 Years

38,617,671

Total Shares and Deposits > 3 Years

5,604,928

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

15,207,982

Total Uninsured Shares and Deposits > $250K (F+J)

15,207,982

Total Insured Shares and Deposits > $250K (item 17 less item K)

336,337,515

Total Interest Expense (Sum of items 6 8)

7,547,963

Share Certificates

3,564

Number of Accounts for Share Drafts

12,758

IRA KEOGH Accounts

556

Number of Accounts for Regular Shares

52,332

All other shares

186

Money Market Shares

7,266

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

41,478,495

Total Liabilities

362,638,521

Source: NCUA — Last Updated 09/30/2025

2026 MBR Health & Safety 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.