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Atchison Village Credit Union

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Atchison Village Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Atchison Village 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 and Verified: October 13, 2026

Atchison Village Credit Union's top rates as of October 13, 2026 are 2.00% APY on its 6 month Six-Month CD, and personal loans from 6.99% APR, according to rates verified by MonitorBankRates. MonitorBankRates evaluates the financial stability of Atchison Village Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.06%. Rates last updated and verified on 10/13/2026.

Atchison Village 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 Atchison Village Credit Union? Share your experience about Atchison Village Credit Union by leaving a review below, or read customer reviews before you decide to use Atchison Village Credit Union.

Verified Healthy Q2 2026 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

7.06%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Atchison Village Credit Union
Atchison Village Credit Union

270A Curry St
Richmond, CA 94801

https://atchisonvillagecu.org

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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.

Atchison Village Credit Union CD Rates

Product	Rate	APY	Term	View More
6 month Six-Month Certificate	2.00%	2.00%	6 months
Min Balance $10,000 Details Balance: $10,000.00 and over Last Updated 10/13/2026 Rate History No change since Sep 22, 2026 · 2.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%

Atchison Village Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Vehicle	4.49%	-	4.49%	60 - 84 Months
Details Rate range: 4.49% - 17.99%; Amount: $10,000 - $90,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 4.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%
Used Vehicle	4.99%	-	4.99%	60 - 72 Months
Details Rate range: 4.99% - 17.29%; Amount: $10,000 - $90,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 4.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%

Atchison Village Credit Union Personal Loan Rates

Product	APR	Term
Signature Loan	6.99%	12 - 36 Months
Details Rate range: 6.99% - 16.00%; Amount: $500 - $5,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 6.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%
Consolidation Loan	7.99%	36 - 60 Months
Details Rate range: 7.99% - 17.49%; Amount: $3,000 - $10,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 7.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%

Atchison Village Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
AVMHC Unit Loan	10.74%	-	10.74%	120 - 180 Months
Details Rate range: 10.74% - 17.99%; Amount: $40,000 - $60,000; $150 fee for this type of loan; guarantor who owns or is purchasing a property outside of Atchison Village Mutual Homes Corporation is required Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 10.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%
Home Improvement Loan	8.49%	-	8.49%	36 - 60 Months
Details Rate range: 8.49% - 17.69%; Amount: $3,000 - $10,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 8.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%
Mobile Home Loans	-	-	7.99%	180 months
Details Term: one hundred eighty (180) months or less; As Low As; Up to 100% of the purchase price including tax, license, and insurance; flood determination required in the appraisal/evaluation Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 7.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%
One-Year Share Certificates	2.50%	-	2.50%	1 year
Details Balance: $500 - $9,999.99 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.50% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%
One-Year Share Certificates	2.75%	-	2.75%	1 year
Details Balance: $10,000 and over Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.75% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%
Vacation Loan	6.99%	-	6.99%	12 - 24 Months
Details Rate range: 6.99% - 17.99%; Amount: $500 - $3,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 6.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%
IRA Account	2.50%	-	2.50%
Details Dividend Rates; Effective Date 4/1/2025 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%

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.
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Financial Health History

Atchison Village Credit Union’s Texas Ratio stayed near 7.38% in Q3 2023 to 7.06% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$13M	7.06%	5.0	A
March 31, 2026	$13M	14.83%	5.0	A-
December 31, 2025	$13M	20.73%	4.5	B
September 30, 2025	$13M	20.49%	4.5	B
June 30, 2025	$13M	26.13%	4.1	C+
March 31, 2025	$13M	19.24%	4.7	B
December 31, 2024	$12M	32.38%	3.6	D
September 30, 2024	$13M	28.77%	3.9	C
June 30, 2024	$13M	23.65%	4.3	B-
March 31, 2024	$13M	13.98%	5.0	A
December 31, 2023	$13M	5.02%	5.0	A+
September 30, 2023	$13M	7.38%	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 Atchison Village 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 Atchison Village 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 Atchison Village Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Atchison Village Credit Union

Website https://atchisonvillagecu.org

Address 270A Curry St, Richmond, CA 94801

Phone 510-233-3218

Fax 510-233-3295

President Juventino Sanchez

CEO Cecilia Heredia-Rocha

Full-Time Employees 5

Part-Time Employees 0

Branch Locations 1

ATM Locations 0

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

7.06%

Return on Assets (ROA)

-0.9665%

Return on Equity (ROE)

-8.5744%

Non-Performing Loans Ratio (NPL)

2.01%

Total Assets

13,250,844

Total Amount of Shares and Deposits

11,725,148

Total Shares and Deposits < 1 Year

11,725,148

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

750,097

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

750,097

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

10,975,051

Total Interest Expense (Sum of items 6 8)

33,697

Share Certificates

Number of Accounts for Share Drafts

643

IRA KEOGH Accounts

Number of Accounts for Regular Shares

1,749

All other shares

260

Net Income (unless the amount is already included in Undivided Earnings)

-128,066

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)

731,975

Total Liabilities

11,757,257

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Atchison Village 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.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About Atchison Village Credit Union

How many branches does Atchison Village Credit Union operate?

Atchison Village 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 Atchison Village Credit Union?

Yes, to access services at Atchison Village 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, Atchison Village 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, Atchison Village Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Atchison Village Credit Union offer online and mobile banking?

Most modern institutions like Atchison Village 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://atchisonvillagecu.org.