What are the current interest rates at Auburn University Credit Union?

Current rates for Auburn University Credit Union include: 12-Month CD: 4.00%, 18-Month CD: 3.94%, 24-Month CD: 4.22%, 60-Month CD: 4.50%

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Auburn University Credit Union

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Auburn University Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Auburn University 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 10, 2026

Auburn University Credit Union's top rates as of October 10, 2026 are 4.61% APY on its 42 - 47 Month IRA CD, 0.15% APY on checking, 6.00% on its First Mortgages 5 to 10 Years Fixed, auto loans from 4.75% APR, and credit cards from 7.90% APR, according to rates verified by MonitorBankRates. Other Auburn University Credit Union CD rates include 42 - 47 Month CD at 4.61%, 48 - 53 Month IRA CD at 4.61%, and 48 - 53 Month CD at 4.61%. Other Auburn University Credit Union mortgage rates include First Mortgages 11 to 15 Years Fixed at 6.25%, First Mortgages 16 to 20 Years Fixed at 6.50%, and Mortgage Loans - 5 Year ARM at 6.50%. MonitorBankRates evaluates the financial stability of Auburn University Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.49%. Rates last updated and verified on 10/10/2026.

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

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.49%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Auburn University Credit Union
Main Office

1290 S Donahue Dr
Auburn, AL 36832-6330

https://myaucu.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.

Auburn University Credit Union CD Rates

Product	Rate	APY	Term
42 - 47 Month IRA Share Certificate	4.53%	4.61%	42-47 Months
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 4.13% → 4.61% ▲ 0.48 pts · high 4.61% / low 4.13% Oct 10, 20264.61%▲ from 4.13% Sep 18, 20264.13%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
42 - 47 Month Share Certificate	4.53%	4.61%	42-47 Months
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 4.03% → 4.61% ▲ 0.58 pts · high 4.61% / low 4.03% Oct 10, 20264.61%▲ from 4.03% Sep 18, 20264.03%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
48 - 53 Month IRA Share Certificate	4.53%	4.61%	48-53 Months
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 4.13% → 4.61% ▲ 0.48 pts · high 4.61% / low 4.13% Oct 10, 20264.61%▲ from 4.13% Sep 18, 20264.13%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
48 - 53 Month Share Certificate	4.53%	4.61%	48-53 Months
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 4.03% → 4.61% ▲ 0.58 pts · high 4.61% / low 4.03% Oct 10, 20264.61%▲ from 4.03% Sep 18, 20264.03%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
54 - 60 Month IRA Share Certificate	4.53%	4.61%	54-60 Months
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 4.13% → 4.61% ▲ 0.48 pts · high 4.61% / low 4.13% Oct 10, 20264.61%▲ from 4.13% Sep 18, 20264.13%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
54 - 60 Month Share Certificate	4.53%	4.61%	54-60 Months
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 4.03% → 4.61% ▲ 0.58 pts · high 4.61% / low 4.03% Oct 10, 20264.61%▲ from 4.03% Sep 18, 20264.03%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
180 Day Share Certificate	4.56%	4.56%	180 Days
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 4.00% → 4.56% ▲ 0.56 pts · high 4.56% / low 4.00% Oct 10, 20264.56%▲ from 4.00% Sep 14, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
90 Day Share Certificate	4.51%	4.51%	90 Days
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.90% → 4.51% ▲ 0.61 pts · high 4.51% / low 3.90% Oct 10, 20264.51%▲ from 3.90% Sep 14, 20263.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
42 - 47 Month IRA Share Certificate	4.43%	4.50%	42-47 Months
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 4.13% → 4.50% ▲ 0.37 pts · high 4.50% / low 4.13% Oct 10, 20264.50%▲ from 4.13% Sep 18, 20264.13%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
42 - 47 Month Share Certificate	4.43%	4.50%	42-47 Months
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 4.03% → 4.50% ▲ 0.47 pts · high 4.50% / low 4.03% Oct 10, 20264.50%▲ from 4.03% Sep 18, 20264.03%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
48 - 53 Month IRA Share Certificate	4.43%	4.50%	48-53 Months
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 4.13% → 4.50% ▲ 0.37 pts · high 4.50% / low 4.13% Oct 10, 20264.50%▲ from 4.13% Sep 18, 20264.13%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
48 - 53 Month Share Certificate	4.43%	4.50%	48-53 Months
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 4.03% → 4.50% ▲ 0.47 pts · high 4.50% / low 4.03% Oct 10, 20264.50%▲ from 4.03% Sep 18, 20264.03%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
54 - 60 Month IRA Share Certificate	4.43%	4.50%	54-60 Months
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 4.13% → 4.50% ▲ 0.37 pts · high 4.50% / low 4.13% Oct 10, 20264.50%▲ from 4.13% Sep 18, 20264.13%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
54 - 60 Month Share Certificate	4.43%	4.50%	54-60 Months
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 4.03% → 4.50% ▲ 0.47 pts · high 4.50% / low 4.03% Oct 10, 20264.50%▲ from 4.03% Sep 18, 20264.03%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
30 - 35 Month IRA Share Certificate	4.40%	4.47%	30-35 Months
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 3.97% → 4.47% ▲ 0.50 pts · high 4.47% / low 3.97% Oct 10, 20264.47%▲ from 3.97% Sep 18, 20263.97%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
30 - 35 Month Share Certificate	4.40%	4.47%	30-35 Months
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 3.86% → 4.47% ▲ 0.61 pts · high 4.47% / low 3.86% Oct 10, 20264.47%▲ from 3.86% Sep 18, 20263.86%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
36 - 41 Month IRA Share Certificate	4.40%	4.47%	36-41 Months
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 3.97% → 4.47% ▲ 0.50 pts · high 4.47% / low 3.97% Oct 10, 20264.47%▲ from 3.97% Sep 18, 20263.97%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
36 - 41 Month Share Certificate	4.40%	4.47%	36-41 Months
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 3.86% → 4.47% ▲ 0.61 pts · high 4.47% / low 3.86% Oct 10, 20264.47%▲ from 3.86% Sep 18, 20263.86%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
180 Day Share Certificate	4.46%	4.46%	180 Days
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 4.00% → 4.46% ▲ 0.46 pts · high 4.46% / low 4.00% Oct 10, 20264.46%▲ from 4.00% Sep 14, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
7 Month Special IRA Share Certificate	4.45%	4.45%	7 Month
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 4.22% → 4.45% ▲ 0.23 pts · high 4.45% / low 4.22% Oct 10, 20264.45%▲ from 4.22% Sep 18, 20264.22%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
7 Month Special Share Certificate	4.45%	4.45%	7 Month
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 4.22% → 4.45% ▲ 0.23 pts · high 4.45% / low 4.22% Oct 10, 20264.45%▲ from 4.22% Sep 18, 20264.22%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
90 Day Share Certificate	4.41%	4.41%	90 Days
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.90% → 4.41% ▲ 0.51 pts · high 4.41% / low 3.90% Oct 10, 20264.41%▲ from 3.90% Sep 14, 20263.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
30 - 35 Month IRA Share Certificate	4.30%	4.37%	30-35 Months
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 3.97% → 4.37% ▲ 0.40 pts · high 4.37% / low 3.97% Oct 10, 20264.37%▲ from 3.97% Sep 18, 20263.97%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
30 - 35 Month Share Certificate	4.30%	4.37%	30-35 Months
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 3.86% → 4.37% ▲ 0.51 pts · high 4.37% / low 3.86% Oct 10, 20264.37%▲ from 3.86% Sep 18, 20263.86%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
36 - 41 Month IRA Share Certificate	4.30%	4.37%	36-41 Months
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 3.97% → 4.37% ▲ 0.40 pts · high 4.37% / low 3.97% Oct 10, 20264.37%▲ from 3.97% Sep 18, 20263.97%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
36 - 41 Month Share Certificate	4.30%	4.37%	36-41 Months
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 3.86% → 4.37% ▲ 0.51 pts · high 4.37% / low 3.86% Oct 10, 20264.37%▲ from 3.86% Sep 18, 20263.86%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
18 - 23 Month IRA Share Certificate	4.25%	4.32%	18-23 Months
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 3.82% → 4.32% ▲ 0.50 pts · high 4.32% / low 3.82% Oct 10, 20264.32%▲ from 3.82% Sep 18, 20263.82%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
18 - 23 Month Share Certificate	4.25%	4.32%	18-23 Months
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 3.72% → 4.32% ▲ 0.60 pts · high 4.32% / low 3.72% Oct 10, 20264.32%▲ from 3.72% Sep 18, 20263.72%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
24 - 29 Month IRA Share Certificate	4.25%	4.32%	24-29 Months
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 3.82% → 4.32% ▲ 0.50 pts · high 4.32% / low 3.82% Oct 10, 20264.32%▲ from 3.82% Sep 18, 20263.82%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
24 - 29 Month Share Certificate	4.25%	4.32%	24-29 Months
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 3.72% → 4.32% ▲ 0.60 pts · high 4.32% / low 3.72% Oct 10, 20264.32%▲ from 3.72% Sep 18, 20263.72%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
18 - 23 Month IRA Share Certificate	4.15%	4.22%	18-23 Months
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 3.82% → 4.22% ▲ 0.40 pts · high 4.22% / low 3.82% Oct 10, 20264.22%▲ from 3.82% Sep 18, 20263.82%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
18 - 23 Month Share Certificate	4.15%	4.22%	18-23 Months
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 3.72% → 4.22% ▲ 0.50 pts · high 4.22% / low 3.72% Oct 10, 20264.22%▲ from 3.72% Sep 18, 20263.72%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
24 - 29 Month IRA Share Certificate	4.15%	4.22%	24-29 Months
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 3.82% → 4.22% ▲ 0.40 pts · high 4.22% / low 3.82% Oct 10, 20264.22%▲ from 3.82% Sep 18, 20263.82%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
24 - 29 Month Share Certificate	4.15%	4.22%	24-29 Months
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 3.72% → 4.22% ▲ 0.50 pts · high 4.22% / low 3.72% Oct 10, 20264.22%▲ from 3.72% Sep 18, 20263.72%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
13 Month Special IRA Share Certificate	4.04%	4.10%	13 Month
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 3.69% → 4.10% ▲ 0.41 pts · high 4.10% / low 3.69% Oct 10, 20264.10%▲ from 3.69% Sep 18, 20263.69%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
13 Month Special Share Certificate	4.04%	4.10%	13 Month
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 3.69% → 4.10% ▲ 0.41 pts · high 4.10% / low 3.69% Oct 10, 20264.10%▲ from 3.69% Sep 18, 20263.69%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
12 - 17 Month IRA Share Certificate	3.98%	4.04%	12-17 Months
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 3.63% → 4.04% ▲ 0.41 pts · high 4.04% / low 3.63% Oct 10, 20264.04%▲ from 3.63% Sep 18, 20263.63%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
12 - 17 Month Share Certificate	3.98%	4.04%	12-17 Months
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 3.53% → 4.04% ▲ 0.51 pts · high 4.04% / low 3.53% Oct 10, 20264.04%▲ from 3.53% Sep 18, 20263.53%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
13 Month Special IRA Share Certificate	3.94%	4.00%	13 Month
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 3.69% → 4.00% ▲ 0.31 pts · high 4.00% / low 3.69% Oct 10, 20264.00%▲ from 3.69% Sep 18, 20263.69%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
13 Month Special Share Certificate	3.94%	4.00%	13 Month
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 3.69% → 4.00% ▲ 0.31 pts · high 4.00% / low 3.69% Oct 10, 20264.00%▲ from 3.69% Sep 18, 20263.69%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
365 Day Share Certificate	3.98%	3.98%	365 Days
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.48% → 3.98% ▲ 0.50 pts · high 3.98% / low 3.48% Oct 10, 20263.98%▲ from 3.48% Sep 14, 20263.48%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
12 - 17 Month IRA Share Certificate	3.88%	3.94%	12-17 Months
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 3.63% → 3.94% ▲ 0.31 pts · high 3.94% / low 3.63% Oct 10, 20263.94%▲ from 3.63% Sep 18, 20263.63%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
12 - 17 Month Share Certificate	3.88%	3.94%	12-17 Months
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 3.53% → 3.94% ▲ 0.41 pts · high 3.94% / low 3.53% Oct 10, 20263.94%▲ from 3.53% Sep 18, 20263.53%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
365 Day Share Certificate	3.88%	3.88%	365 Days
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.48% → 3.88% ▲ 0.40 pts · high 3.88% / low 3.48% Oct 10, 20263.88%▲ from 3.48% Sep 14, 20263.48%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%

Auburn University Credit Union Checking Rates

Product	Rate	APY	View More
Tiger Earnings Checking	-	0.15%
Min Deposit $5 Min Balance $500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%

Auburn University Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
First Mortgages 5 to 10 Years Fixed	-	-	6.00%	5 to 10 Years Fixed
Details As Low As Last Updated 10/10/2026 Rate History 2 changes since Sep 14, 2026 · 5.50% → 6.00% ▲ 0.50 pts · high 6.00% / low 5.50% Oct 10, 20266.00%▲ from 5.75% Sep 27, 20265.75%▲ from 5.50% Sep 14, 20265.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
First Mortgages 11 to 15 Years Fixed	-	-	6.25%	11 to 15 Years Fixed
Details As Low As Last Updated 10/10/2026 Rate History 2 changes since Sep 14, 2026 · 5.75% → 6.25% ▲ 0.50 pts · high 6.25% / low 5.75% Oct 10, 20266.25%▲ from 6.00% Sep 27, 20266.00%▲ from 5.75% Sep 14, 20265.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
First Mortgages 16 to 20 Years Fixed	-	-	6.50%	16 to 20 Years Fixed
Details As Low As Last Updated 10/10/2026 Rate History 2 changes since Sep 14, 2026 · 6.00% → 6.50% ▲ 0.50 pts · high 6.50% / low 6.00% Oct 10, 20266.50%▲ from 6.25% Sep 27, 20266.25%▲ from 6.00% Sep 14, 20266.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
Mortgage Loans - 5 Year ARM	-	-	6.50%	5 Year
Details As Low As Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
Mortgage Loans - 7 Year ARM	-	-	6.75%	7 Year
Details As Low As Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
First Mortgages 30 Year Fixed	-	-	7.00%	30 Year
Details As Low As Last Updated 10/10/2026 Rate History 2 changes since Sep 14, 2026 · 6.38% → 7.00% ▲ 0.63 pts · high 7.00% / low 6.38% Oct 10, 20267.00%▲ from 6.63% Sep 27, 20266.63%▲ from 6.38% Sep 14, 20266.38%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%

Auburn University Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
HELOC 1st	-	-	6.50%
Details As Low As; variable rate, interest only Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 6.25% → 6.50% ▲ 0.25 pts · high 6.50% / low 6.25% Sep 27, 20266.50%▲ from 6.25% Sep 14, 20266.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
Home Equity 5 Year Balloon	-	-	9.00%	5 Year
Details As Low As; variable rate, interest only Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 8.75% → 9.00% ▲ 0.25 pts · high 9.00% / low 8.75% Sep 27, 20269.00%▲ from 8.75% Sep 14, 20268.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%

Auburn University Credit Union Auto Loan Rates

Product	Rate	Points	APR
New Cars Loan	-	-	4.75%
Details As low as Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
Used Cars Loan	-	-	5.25%
Details As low as Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
New Vehicles Loan	-	-	8.50%
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 8.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
Used Vehicles Loan	-	-	9.50%
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 9.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%

Auburn University Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR
New Motorcycles Loan	-	7.00%
Details As Low As Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
New Tractor/ATV/Trailer Loan	-	7.00%
Details As Low As Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
New Boats Loan	-	8.25%
Details As Low As Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 8.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
Used Tractor/ATV/Trailer Loan	-	8.25%
Details As Low As Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 8.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
Used Motorcycles Loan	-	9.00%
Details As Low As Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 9.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
Used Boats Loan	-	10.00%
Details As Low As Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 10.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%

Auburn University Credit Union Credit Card Rates

Product	Rate	APR	View More
Mastercard Platinum Credit Card	-	7.90%
Details As Low As Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.90% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%

Auburn University Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
5 Year Balloon Loan	-	-	6.50%	5 Year
Details As Low As Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
7 Year Balloon Loan	-	-	6.75%	7 Year
Details As Low As Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
Regular Shares	-	-	0.25%
Min Deposit $5 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%

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

Auburn University Credit Union’s Texas Ratio fell from 5.34% in Q3 2023 to 3.49% in Q2 2026, so its financial health has improved and is now very strong 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	$268M	3.49%	5.0	A+
March 31, 2026	$269M	3.31%	5.0	A+
December 31, 2025	$262M	5.26%	5.0	A+
September 30, 2025	$260M	4.28%	5.0	A+
June 30, 2025	$253M	3.55%	5.0	A+
March 31, 2025	$252M	3.21%	5.0	A+
December 31, 2024	$243M	5.57%	5.0	A+
September 30, 2024	$241M	5.10%	5.0	A+
June 30, 2024	$245M	5.78%	5.0	A+
March 31, 2024	$247M	5.20%	5.0	A+
December 31, 2023	$243M	6.78%	5.0	A
September 30, 2023	$239M	5.34%	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 Auburn University 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 Auburn University 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 Auburn University Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Auburn University Credit Union

Website https://myaucu.org

Address 1290 S Donahue Dr, Auburn, AL 36832-6330

Phone 334-844-4120

Fax 334-844-4162

President Dennis Veronese

CEO William Bradford II

Full-Time Employees 44

Part-Time Employees 5

Branch Locations 3

ATM Locations 3

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.49%

Return on Assets (ROA)

0.2946%

Return on Equity (ROE)

3.0154%

Non-Performing Loans Ratio (NPL)

0.59%

Total Assets

267,947,822

Total Amount of Shares and Deposits

241,489,316

Total Shares and Deposits < 1 Year

232,884,778

Total Shares and Deposits 1 3 Years

8,207,209

Total Shares and Deposits > 3 Years

397,330

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

16,655,128

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

16,655,128

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

224,834,188

Total Interest Expense (Sum of items 6 8)

1,999,212

Share Certificates

1,725

Number of Accounts for Share Drafts

10,464

IRA KEOGH Accounts

363

Number of Accounts for Regular Shares

20,012

All other shares

365

Non Member Deposits

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)

14,230,624

Total Liabilities

245,542,684

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Auburn University 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.

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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 Auburn University Credit Union

How many branches does Auburn University Credit Union operate?

Auburn University 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 Auburn University Credit Union?

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

Does Auburn University Credit Union offer online and mobile banking?

Most modern institutions like Auburn University 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://myaucu.org.