What are the current interest rates at Audubon Federal Credit Union?

Current rates for Audubon Federal Credit Union include: 12-Month CD: 0.50%, 18-Month CD: 0.55%, 24-Month CD: 0.65%, Savings: 3.50%, MMA: 0.45%

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Audubon Federal Credit Union

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Audubon Federal Credit Union Rates & Review October 2026

Q: Is a member application needed to join Audubon Federal Credit Union?

Yes, to access services at Audubon Federal 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: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Audubon Federal 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

Audubon Federal Credit Union's top rates as of October 13, 2026 are 1.00% APY on its 4-Year CD, 3.50% APY on savings, 0.45% APY on money market accounts, 1.00% APY on checking, personal loans from 10.25% APR, and credit cards from 10.90% APR, according to rates verified by MonitorBankRates. Other Audubon Federal Credit Union CD rates include 3-Year CD at 0.80%, 2-Year CD at 0.65%, and 18-Month CD at 0.55%. MonitorBankRates evaluates the financial stability of Audubon Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.60%. Rates last updated and verified on 10/13/2026.

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

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

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.60%

Excellent Lower than avg

Health Trend

Steady 12 quarters

Full history ›

Audubon Federal Credit Union
Main Office

1429 Breckenridge St
Owensboro, KY 42303

https://audubonfcu.net

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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.

Audubon Federal Credit Union CD Rates

Product	Rate	APY	Term
4-Year Certificate	1.00%	1.00%	4-Year
Min Balance $500 Details Share Certificates; Effective 7/1/2022 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
3-Year Certificate	0.80%	0.80%	3-Year
Min Balance $500 Details Share Certificates; Effective 7/1/2022 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.80% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
2-Year Certificate	0.65%	0.65%	2-Year
Min Balance $500 Details Share Certificates; Effective 7/1/2022 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.65% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
18-Month Certificate	0.55%	0.55%	18-Month
Min Balance $500 Details Share Certificates; Effective 7/1/2022 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.55% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
1-Year Certificate (365 Days)	0.50%	0.50%	1-Year
Min Balance $500 Details Share Certificates; Effective 7/1/2022 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
182-Day Certificate	0.40%	0.40%	182-Day
Min Balance $500 Details Share Certificates; Effective 7/1/2022 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
91-Day Certificate	0.30%	0.30%	91-Day
Min Balance $500 Details Share Certificates; Effective 7/1/2022 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%

Audubon Federal Credit Union Savings Rates

Product	Rate	APY
Youth Savings	3.50%	3.50%
Min Balance $500 Details Max Balance: $2,500.00; Share Savings Rates; Rates Effective 2/01/2025 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Christmas Club	0.20%	0.20%
Details Share Savings Rates; Rates Effective 2/01/2025 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Regular Shares	0.20%	0.20%
Min Balance $5 Details Share Savings Rates; Rates Effective 2/01/2025 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%

Audubon Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market	0.45%	0.45%
Min Balance $75,000 Details Balance: $75,000 or more; One free withdrawal per month allowed, $10.00 for each additional withdrawal Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.45% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Money Market	0.40%	0.40%
Min Balance $50,000 Details Balance: $50,000 - $74,999; One free withdrawal per month allowed, $10.00 for each additional withdrawal Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Money Market	0.35%	0.35%
Min Balance $25,000 Details Balance: $25,000 - $49,999; One free withdrawal per month allowed, $10.00 for each additional withdrawal Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Money Market	0.30%	0.30%
Min Balance $10,000 Details Balance: $10,000 - $24,999; One free withdrawal per month allowed, $10.00 for each additional withdrawal Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%

Audubon Federal Credit Union Checking Rates

Product	Rate	APY	View More
Share Draft	1.00%	1.00%
Min Balance $2,500 Details Share Savings Rates; Rates Effective 2/01/2025 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%

Audubon Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Vehicles Loan	-	-	4.50%	48 months
Details Credit Grade: A+ = 750+; *APR = Annual Percentage Rate Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 4.50% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
New Vehicles Loan	-	-	4.75%	60 months
Details Credit Grade: A+ = 750+; *APR = Annual Percentage Rate Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 4.75% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
New Vehicles Loan	-	-	5.00%	72 months
Details Credit Grade: A+ = 750+; APR = Annual Percentage Rate Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 6.50% → 5.00% ▼ 1.50 pts · high 6.50% / low 5.00% Sep 17, 20265.00%▼ from 6.50%* Sep 14, 20266.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
New Vehicles Loan	-	-	5.00%	48 months
Details Credit Grade: A = 680-749; APR = Annual Percentage Rate Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 4.50% → 5.00% ▲ 0.50 pts · high 5.00% / low 4.50% Sep 17, 20265.00%▲ from 4.50%* Sep 14, 20264.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Used Vehicles Loan	-	-	5.00%	60 months
Details Model Year: 2023-2026; Credit Grade: A+ = 750+; Minimum $20,000 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 5.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
New Vehicles Loan	-	-	5.25%	60 months
Details Credit Grade: A = 680-749; *APR = Annual Percentage Rate Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 5.25% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Used Vehicles Loan	-	-	5.25%	72 months
Details Model Year: 2023-2026; Credit Grade: A+ = 750+; Minimum $20,000 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 5.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
New Vehicles Loan	-	-	5.50%	84 months
Details Credit Grade: A+ = 750+; Minimum loan $20,000; APR = Annual Percentage Rate Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 7.00% → 5.50% ▼ 1.50 pts · high 7.00% / low 5.50% Sep 17, 20265.50%▼ from 7.00%* Sep 14, 20267.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
New Vehicles Loan	-	-	5.50%	72 months
Details Credit Grade: A = 680-749; APR = Annual Percentage Rate Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 6.50% → 5.50% ▼ 1.00 pts · high 6.50% / low 5.50% Sep 17, 20265.50%▼ from 6.50%* Sep 14, 20266.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Used Vehicles Loan	-	-	5.50%	60 months
Details Model Year: 2020-2022; Credit Grade: A+ = 750+; Minimum $20,000 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 5.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Used Vehicles Loan	-	-	5.75%	72 months
Details Model Year: 2023-2026; Credit Grade: A = 680-749; Minimum $20,000 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 5.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Used Vehicles Loan	-	-	5.75%	84 months
Details Model Year: 2023-2026; Credit Grade: A+ = 750+; Minimum $20,000 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 5.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
New Vehicles Loan	-	-	6.00%	84 months
Details Credit Grade: A = 680-749; Minimum loan $20,000; APR = Annual Percentage Rate Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 7.00% → 6.00% ▼ 1.00 pts · high 7.00% / low 6.00% Sep 17, 20266.00%▼ from 7.00%* Sep 14, 20267.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
New Vehicles Loan	-	-	6.00%	48 months
Details Credit Grade: B = 640-679; APR = Annual Percentage Rate Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 4.50% → 6.00% ▲ 1.50 pts · high 6.00% / low 4.50% Sep 17, 20266.00%▲ from 4.50%* Sep 14, 20264.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Used Vehicles Loan	-	-	6.00%	60 months
Details Model Year: 2020-2022; Credit Grade: A = 680-749; Minimum $20,000 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 6.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
New Vehicles Loan	-	-	6.25%	60 months
Details Credit Grade: B = 640-679; *APR = Annual Percentage Rate Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 6.25% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Used Vehicles Loan	-	-	6.25%	72 months
Details Model Year: 2020-2022; Credit Grade: A+ = 750+; Minimum $20,000 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 6.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Used Vehicles Loan	-	-	6.25%	84 months
Details Model Year: 2023-2026; Credit Grade: A = 680-749; Minimum $20,000 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 6.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
New Vehicles Loan	-	-	6.50%	72 months
Details Credit Grade: B = 640-679; *APR = Annual Percentage Rate Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 6.50% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Used Vehicles Loan	-	-	6.50%	60 months
Details Model Year: 2023-2026; Credit Grade: B = 640-679; Minimum $20,000 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 6.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Used Vehicles Loan	-	-	6.75%	72 months
Details Model Year: 2020-2022; Credit Grade: A = 680-749; Minimum $20,000 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 6.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
New Vehicles Loan	-	-	7.00%	84 months
Details Credit Grade: B = 640-679; Minimum loan $20,000; *APR = Annual Percentage Rate Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 7.00% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Used Vehicles Loan	-	-	7.00%	60 months
Details Model Year: 2017-2019; Credit Grade: A+ = 750+; Minimum $20,000 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 7.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Used Vehicles Loan	-	-	7.25%	72 months
Details Model Year: 2017-2019; Credit Grade: A+ = 750+; Minimum $20,000 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 7.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Used Vehicles Loan	-	-	7.25%	84 months
Details Model Year: 2023-2026; Credit Grade: B = 640-679; Minimum $20,000 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 7.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Used Vehicles Loan	-	-	7.50%	48 months
Details Model Year: 2016 & Older; Credit Grade: A+ = 750+; Minimum $20,000 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 7.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Used Vehicles Loan	-	-	7.50%	60 months
Details Model Year: 2017-2019; Credit Grade: A = 680-749; Minimum $20,000 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 7.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Used Vehicles Loan	-	-	7.75%	60 months
Details Model Year: 2016 & Older; Credit Grade: A+ = 750+; Minimum $20,000 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 7.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Used Vehicles Loan	-	-	7.75%	72 months
Details Model Year: 2017-2019; Credit Grade: A = 680-749; Minimum $20,000 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 7.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
New Vehicles Loan	-	-	8.00%	48 months
Details Credit Grade: C = 600-639; *APR = Annual Percentage Rate Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 8.00% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Used Vehicles Loan	-	-	8.00%	48 months
Details Model Year: 2016 & Older; Credit Grade: A = 680-749; Minimum $20,000 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 8.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
New Vehicles Loan	-	-	8.25%	60 months
Details Credit Grade: C = 600-639; *APR = Annual Percentage Rate Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 8.25% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Used Vehicles Loan	-	-	8.25%	60 months
Details Model Year: 2016 & Older; Credit Grade: A = 680-749; Minimum $20,000 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 8.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
New Vehicles Loan	-	-	8.50%	72 months
Details Credit Grade: C = 600-639; *APR = Annual Percentage Rate Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 8.50% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Used Vehicles Loan	-	-	8.50%	60 months
Details Model Year: 2017-2019; Credit Grade: B = 640-679; Minimum $20,000 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 8.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Used Vehicles Loan	-	-	8.75%	72 months
Details Model Year: 2017-2019; Credit Grade: B = 640-679; Minimum $20,000 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 8.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
New Vehicles Loan	-	-	9.00%	84 months
Details Credit Grade: C = 600-639; Minimum loan $20,000; *APR = Annual Percentage Rate Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 9.00% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Used Vehicles Loan	-	-	9.00%	48 months
Details Model Year: 2016 & Older; Credit Grade: B = 640-679; Minimum $20,000 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 9.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Used Vehicles Loan	-	-	9.00%	60 months
Details Model Year: 2020-2022; Credit Grade: C = 600-639; Minimum $20,000 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 9.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Used Vehicles Loan	-	-	9.25%	60 months
Details Model Year: 2016 & Older; Credit Grade: B = 640-679; Minimum $20,000 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 9.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Used Vehicles Loan	-	-	9.25%	84 months
Details Model Year: 2023-2026; Credit Grade: C = 600-639; Minimum $20,000 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 9.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Used Vehicles Loan	-	-	9.75%	72 months
Details Model Year: 2020-2022; Credit Grade: C = 600-639; Minimum $20,000 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 9.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
New Vehicles Loan	-	-	10.00%	48 months
Details Credit Grade: D = 550-599; *APR = Annual Percentage Rate Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 10.00% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
New Vehicles Loan	-	-	10.25%	60 months
Details Credit Grade: D = 550-599; *APR = Annual Percentage Rate Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 10.25% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
New Vehicles Loan	-	-	10.50%	72 months
Details Credit Grade: D = 550-599; *APR = Annual Percentage Rate Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 10.50% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Used Vehicles Loan	-	-	10.50%	60 months
Details Model Year: 2017-2019; Credit Grade: C = 600-639; Minimum $20,000 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 10.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Used Vehicles Loan	-	-	10.75%	72 months
Details Model Year: 2017-2019; Credit Grade: C = 600-639; Minimum $20,000 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 10.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
New Vehicles Loan	-	-	11.00%	84 months
Details Credit Grade: D = 550-599; Minimum loan $20,000; *APR = Annual Percentage Rate Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 11.00% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Used Vehicles Loan	-	-	11.00%	48 months
Details Model Year: 2016 & Older; Credit Grade: C = 600-639; Minimum $20,000 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 11.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Used Vehicles Loan	-	-	11.25%	60 months
Details Model Year: 2016 & Older; Credit Grade: C = 600-639; Minimum $20,000 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 11.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Used Vehicles Loan	-	-	12.00%	60 months
Details Model Year: 2023-2026; Credit Grade: D = 550-599; Minimum $20,000 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 12.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Used Vehicles Loan	-	-	12.25%	72 months
Details Model Year: 2023-2026; Credit Grade: D = 550-599; Minimum $20,000 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 12.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Used Vehicles Loan	-	-	12.50%	60 months
Details Model Year: 2020-2022; Credit Grade: D = 550-599; Minimum $20,000 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 12.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Used Vehicles Loan	-	-	12.75%	84 months
Details Model Year: 2023-2026; Credit Grade: D = 550-599; Minimum $20,000 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 12.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Used Vehicles Loan	-	-	13.25%	72 months
Details Model Year: 2020-2022; Credit Grade: D = 550-599; Minimum $20,000 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 13.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Used Vehicles Loan	-	-	14.00%	60 months
Details Model Year: 2017-2019; Credit Grade: D = 550-599; Minimum $20,000 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 14.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Used Vehicles Loan	-	-	14.25%	72 months
Details Model Year: 2017-2019; Credit Grade: D = 550-599; Minimum $20,000 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 14.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Used Vehicles Loan	-	-	14.50%	48 months
Details Model Year: 2016 & Older; Credit Grade: D = 550-599; Minimum $20,000 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 14.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Used Vehicles Loan	-	-	14.75%	60 months
Details Model Year: 2016 & Older; Credit Grade: D = 550-599; Minimum $20,000 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 14.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
New Vehicles Loan	-	-	15.00%	48 months
Details Credit Grade: E = 549-; *APR = Annual Percentage Rate Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 15.00% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Used Vehicles Loan	-	-	15.00%	60 months
Details Model Year: 2023-2026; Credit Grade: E = 549-; Minimum $20,000 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 15.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
New Vehicles Loan	-	-	15.25%	60 months
Details Credit Grade: E = 549-; *APR = Annual Percentage Rate Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 15.25% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Used Vehicles Loan	-	-	15.25%	72 months
Details Model Year: 2023-2026; Credit Grade: E = 549-; Minimum $20,000 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 15.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
New Vehicles Loan	-	-	15.50%	72 months
Details Credit Grade: E = 549-; *APR = Annual Percentage Rate Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 15.50% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Used Vehicles Loan	-	-	15.50%	60 months
Details Model Year: 2020-2022; Credit Grade: E = 549-; Minimum $20,000 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 15.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Used Vehicles Loan	-	-	15.75%	84 months
Details Model Year: 2023-2026; Credit Grade: E = 549-; Minimum $20,000 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 15.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
New Vehicles Loan	-	-	16.00%	84 months
Details Credit Grade: E = 549-; Minimum loan $20,000; *APR = Annual Percentage Rate Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 16.00% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Used Vehicles Loan	-	-	16.25%	72 months
Details Model Year: 2020-2022; Credit Grade: E = 549-; Minimum $20,000 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 16.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Used Vehicles Loan	-	-	17.00%	60 months
Details Model Year: 2017-2019; Credit Grade: E = 549-; Minimum $20,000 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 17.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Used Vehicles Loan	-	-	17.25%	72 months
Details Model Year: 2017-2019; Credit Grade: E = 549-; Minimum $20,000 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 17.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Used Vehicles Loan	-	-	17.50%	48 months
Details Model Year: 2016 & Older; Credit Grade: E = 549-; Minimum $20,000 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 17.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Used Vehicles Loan	-	-	17.75%	60 months
Details Model Year: 2016 & Older; Credit Grade: E = 549-; Minimum $20,000 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 17.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%

Audubon Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motorcycle/Boat Loan	-	7.00%	84 months
Details Year: 2024-2026; Credit Score: A+ = 750+; Minimum $20,000 Last Updated 10/13/2026 Rate History 2 changes since Sep 25, 2026 · 8.50% → 7.00% ▼ 1.50 pts · high 10.50% / low 7.00% Oct 13, 20267.00%▼ from 10.50% Oct 9, 202610.50%▲ from 8.50% Sep 25, 20268.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Motorcycle/Boat Loan	-	7.25%	72 months
Details Year: 2022-2023; Credit Score: A+ = 750+; Minimum $20,000 Last Updated 10/13/2026 Rate History 2 changes since Sep 25, 2026 · 11.25% → 7.25% ▼ 4.00 pts · high 11.25% / low 7.25% Oct 13, 20267.25%▼ from 10.75% Oct 9, 202610.75%▼ from 11.25% Sep 25, 202611.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Motorcycle/Boat Loan	-	7.50%	84 months
Details Year: 2024-2026; Credit Score: A = 680-749; Minimum $20,000 Last Updated 10/13/2026 Rate History 2 changes since Sep 25, 2026 · 8.50% → 7.50% ▼ 1.00 pts · high 10.50% / low 7.50% Oct 13, 20267.50%▼ from 10.50% Oct 9, 202610.50%▲ from 8.50% Sep 25, 20268.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Motorcycle/Boat Loan	-	7.75%	72 months
Details Year: 2019-2021; Credit Score: A+ = 750+; Minimum $20,000 Last Updated 10/13/2026 Rate History 2 changes since Sep 25, 2026 · 11.25% → 7.75% ▼ 3.50 pts · high 11.25% / low 7.75% Oct 13, 20267.75%▼ from 10.75% Oct 9, 202610.75%▼ from 11.25% Sep 25, 202611.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Motorcycle/Boat Loan	-	8.00%	66 months
Details Year: 2017-2018; Credit Score: A+ = 750+; Minimum $20,000 Last Updated 10/13/2026 Rate History 2 changes since Sep 25, 2026 · 11.50% → 8.00% ▼ 3.50 pts · high 15.00% / low 8.00% Oct 13, 20268.00%▼ from 15.00% Oct 9, 202615.00%▲ from 11.50% Sep 25, 202611.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
New RV / Campers / 4-Wheelers / ATVs Loan	-	8.00%	60 months
Details Credit Score: A+ = 750+ Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 8.00% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Motorcycle/Boat Loan	-	8.25%	60 months
Details Year: < 2016; Credit Score: A+ = 750+; Minimum $20,000 Last Updated 10/13/2026 Rate History 2 changes since Sep 25, 2026 · 11.75% → 8.25% ▼ 3.50 pts · high 15.25% / low 8.25% Oct 13, 20268.25%▼ from 15.25% Oct 9, 202615.25%▲ from 11.75% Sep 25, 202611.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Motorcycle/Boat Loan	-	8.25%	72 months
Details Year: 2019-2021; Credit Score: A = 680-749; Minimum $20,000 Last Updated 10/13/2026 Rate History 2 changes since Sep 25, 2026 · 11.25% → 8.25% ▼ 3.00 pts · high 11.25% / low 8.25% Oct 13, 20268.25%▼ from 10.75% Oct 9, 202610.75%▼ from 11.25% Sep 25, 202611.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Motorcycle/Boat Loan	-	8.50%	66 months
Details Year: 2017-2018; Credit Score: A = 680-749; Minimum $20,000 Last Updated 10/13/2026 Rate History 2 changes since Sep 25, 2026 · 11.50% → 8.50% ▼ 3.00 pts · high 15.00% / low 8.50% Oct 13, 20268.50%▼ from 15.00% Oct 9, 202615.00%▲ from 11.50% Sep 25, 202611.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Motorcycle/Boat Loan	-	8.50%	84 months
Details Year: 2024-2026; Credit Score: B = 640-679; Minimum $20,000 Last Updated 10/13/2026 Rate History 2 changes since Sep 25, 2026 · 8.50% → 8.50% ▼ 0.00 pts · high 10.50% / low 8.50% Oct 13, 20268.50%▼ from 10.50% Oct 9, 202610.50%▲ from 8.50% Sep 25, 20268.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
New RV / Campers / 4-Wheelers / ATVs Loan	-	8.50%	60 months
Details Credit Score: A = 680-749 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 8.50% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Motorcycle/Boat Loan	-	8.75%	60 months
Details Year: < 2016; Credit Score: A = 680-749; Minimum $20,000 Last Updated 10/13/2026 Rate History 2 changes since Sep 25, 2026 · 11.75% → 8.75% ▼ 3.00 pts · high 15.25% / low 8.75% Oct 13, 20268.75%▼ from 15.25% Oct 9, 202615.25%▲ from 11.75% Sep 25, 202611.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Motorcycle/Boat Loan	-	8.75%	72 months
Details Year: 2022-2023; Credit Score: B = 640-679; Minimum $20,000 Last Updated 10/13/2026 Rate History 2 changes since Sep 25, 2026 · 11.25% → 8.75% ▼ 2.50 pts · high 11.25% / low 8.75% Oct 13, 20268.75%▼ from 10.75% Oct 9, 202610.75%▼ from 11.25% Sep 25, 202611.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
New RV / Campers / 4-Wheelers / ATVs Loan	-	9.00%	84 months
Details Credit Score: A+ = 750+ Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 9.00% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Motorcycle/Boat Loan	-	9.25%	72 months
Details Year: 2019-2021; Credit Score: B = 640-679; Minimum $20,000 Last Updated 10/13/2026 Rate History 2 changes since Sep 25, 2026 · 11.25% → 9.25% ▼ 2.00 pts · high 11.25% / low 9.25% Oct 13, 20269.25%▼ from 10.75% Oct 9, 202610.75%▼ from 11.25% Sep 25, 202611.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Motorcycle/Boat Loan	-	9.50%	66 months
Details Year: 2017-2018; Credit Score: B = 640-679; Minimum $20,000 Last Updated 10/13/2026 Rate History 2 changes since Sep 25, 2026 · 11.50% → 9.50% ▼ 2.00 pts · high 15.00% / low 9.50% Oct 13, 20269.50%▼ from 15.00% Oct 9, 202615.00%▲ from 11.50% Sep 25, 202611.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
New RV / Campers / 4-Wheelers / ATVs Loan	-	9.50%	84 months
Details Credit Score: A = 680-749 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 9.00% → 9.50% ▲ 0.50 pts · high 9.50% / low 9.00% Sep 17, 20269.50%▲ from 9.00% Sep 14, 20269.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
New RV / Campers / 4-Wheelers / ATVs Loan	-	9.50%	60 months
Details Credit Score: B = 640-679 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 8.50% → 9.50% ▲ 1.00 pts · high 9.50% / low 8.50% Sep 17, 20269.50%▲ from 8.50% Sep 14, 20268.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Used RV / Campers / 4-Wheelers / ATVs Loan	-	9.50%	60 months
Details Score: A+ = 750+ Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 9.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Motorcycle/Boat Loan	-	9.75%	60 months
Details Year: < 2016; Credit Score: B = 640-679; Minimum $20,000 Last Updated 10/13/2026 Rate History 2 changes since Sep 25, 2026 · 11.75% → 9.75% ▼ 2.00 pts · high 15.25% / low 9.75% Oct 13, 20269.75%▼ from 15.25% Oct 9, 202615.25%▲ from 11.75% Sep 25, 202611.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Used RV / Campers / 4-Wheelers / ATVs Loan	-	9.75%	84 months
Details Score: A+ = 750+ Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 9.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Used RV / Campers / 4-Wheelers / ATVs Loan	-	10.00%	60 months
Details Score: A = 680-749 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 10.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Used RV / Campers / 4-Wheelers / ATVs Loan	-	10.25%	84 months
Details Score: A = 680-749 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 10.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Motorcycle/Boat Loan	-	10.50%	84 months
Details Year: 2024-2026; Credit Score: C = 600-639; Minimum $20,000 Last Updated 10/13/2026 Rate History 1 change since Sep 25, 2026 · 8.50% → 10.50% ▲ 2.00 pts · high 10.50% / low 8.50% Oct 9, 202610.50%▲ from 8.50% Sep 25, 20268.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
New RV / Campers / 4-Wheelers / ATVs Loan	-	10.50%	84 months
Details Credit Score: B = 640-679 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 10.50% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Motorcycle/Boat Loan	-	10.75%	72 months
Details Year: 2022-2023; Credit Score: C = 600-639; Minimum $20,000 Last Updated 10/13/2026 Rate History 1 change since Sep 25, 2026 · 11.25% → 10.75% ▼ 0.50 pts · high 11.25% / low 10.75% Oct 9, 202610.75%▼ from 11.25% Sep 25, 202611.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
New RV / Campers / 4-Wheelers / ATVs Loan	-	11.00%	60 months
Details Credit Score: C = 600-639 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 11.00% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Used RV / Campers / 4-Wheelers / ATVs Loan	-	11.00%	60 months
Details Score: B = 640-679 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 11.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Motorcycle/Boat Loan	-	11.25%	72 months
Details Year: 2019-2021; Credit Score: C = 600-639; Minimum $20,000 Last Updated 10/13/2026 Rate History 2 changes since Sep 25, 2026 · 11.25% → 11.25% ▼ 0.00 pts · high 11.25% / low 10.75% Oct 13, 202611.25%▲ from 10.75% Oct 9, 202610.75%▼ from 11.25% Sep 25, 202611.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Used RV / Campers / 4-Wheelers / ATVs Loan	-	11.25%	84 months
Details Score: B = 640-679 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 11.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Motorcycle/Boat Loan	-	11.50%	66 months
Details Year: 2017-2018; Credit Score: C = 600-639; Minimum $20,000 Last Updated 10/13/2026 Rate History 2 changes since Sep 25, 2026 · 11.50% → 11.50% ▼ 0.00 pts · high 15.00% / low 11.50% Oct 13, 202611.50%▼ from 15.00% Oct 9, 202615.00%▲ from 11.50% Sep 25, 202611.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Motorcycle/Boat Loan	-	11.75%	60 months
Details Year: < 2016; Credit Score: C = 600-639; Minimum $20,000 Last Updated 10/13/2026 Rate History 2 changes since Sep 25, 2026 · 11.75% → 11.75% ▼ 0.00 pts · high 15.25% / low 11.75% Oct 13, 202611.75%▼ from 15.25% Oct 9, 202615.25%▲ from 11.75% Sep 25, 202611.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
New RV / Campers / 4-Wheelers / ATVs Loan	-	12.00%	84 months
Details Credit Score: C = 600-639 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 12.00% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Used RV / Campers / 4-Wheelers / ATVs Loan	-	12.50%	60 months
Details Score: C = 600-639 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 12.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Used RV / Campers / 4-Wheelers / ATVs Loan	-	12.75%	84 months
Details Score: C = 600-639 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 12.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
New RV / Campers / 4-Wheelers / ATVs Loan	-	13.50%	60 months
Details Credit Score: D = 550-599 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 13.50% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Motorcycle/Boat Loan	-	14.00%	84 months
Details Year: 2024-2026; Credit Score: D = 550-599; Minimum $20,000 Last Updated 10/13/2026 Rate History 1 change since Sep 25, 2026 · 8.50% → 14.00% ▲ 5.50 pts · high 14.00% / low 8.50% Oct 9, 202614.00%▲ from 8.50% Sep 25, 20268.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Motorcycle/Boat Loan	-	14.25%	72 months
Details Year: 2022-2023; Credit Score: D = 550-599; Minimum $20,000 Last Updated 10/13/2026 Rate History 1 change since Sep 25, 2026 · 11.25% → 14.25% ▲ 3.00 pts · high 14.25% / low 11.25% Oct 9, 202614.25%▲ from 11.25% Sep 25, 202611.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
New RV / Campers / 4-Wheelers / ATVs Loan	-	14.50%	84 months
Details Credit Score: D = 550-599 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 14.50% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Motorcycle/Boat Loan	-	14.75%	72 months
Details Year: 2019-2021; Credit Score: D = 550-599; Minimum $20,000 Last Updated 10/13/2026 Rate History 1 change since Sep 25, 2026 · 11.25% → 14.75% ▲ 3.50 pts · high 14.75% / low 11.25% Oct 9, 202614.75%▲ from 11.25% Sep 25, 202611.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Motorcycle/Boat Loan	-	15.00%	66 months
Details Year: 2017-2018; Credit Score: D = 550-599; Minimum $20,000 Last Updated 10/13/2026 Rate History 1 change since Sep 25, 2026 · 11.50% → 15.00% ▲ 3.50 pts · high 15.00% / low 11.50% Oct 9, 202615.00%▲ from 11.50% Sep 25, 202611.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Used RV / Campers / 4-Wheelers / ATVs Loan	-	15.00%	60 months
Details Score: D = 550-599 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 15.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Motorcycle/Boat Loan	-	15.25%	60 months
Details Year: < 2016; Credit Score: D = 550-599; Minimum $20,000 Last Updated 10/13/2026 Rate History 1 change since Sep 25, 2026 · 11.75% → 15.25% ▲ 3.50 pts · high 15.25% / low 11.75% Oct 9, 202615.25%▲ from 11.75% Sep 25, 202611.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Used RV / Campers / 4-Wheelers / ATVs Loan	-	15.25%	84 months
Details Score: D = 550-599 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 15.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Motorcycle/Boat Loan	-	16.75%	60 months
Details Year: < 2016; Credit Score: E = 549-; Minimum $20,000 Last Updated 10/13/2026 Rate History 1 change since Sep 25, 2026 · 11.75% → 16.75% ▲ 5.00 pts · high 16.75% / low 11.75% Oct 9, 202616.75%▲ from 11.75% Sep 25, 202611.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Motorcycle/Boat Loan	-	16.75%	72 months
Details Year: 2019-2021; Credit Score: E = 549-; Minimum $20,000 Last Updated 10/13/2026 Rate History 1 change since Sep 25, 2026 · 11.25% → 16.75% ▲ 5.50 pts · high 16.75% / low 11.25% Oct 9, 202616.75%▲ from 11.25% Sep 25, 202611.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Motorcycle/Boat Loan	-	17.00%	66 months
Details Year: 2017-2018; Credit Score: E = 549-; Minimum $20,000 Last Updated 10/13/2026 Rate History 1 change since Sep 25, 2026 · 11.50% → 17.00% ▲ 5.50 pts · high 17.00% / low 11.50% Oct 9, 202617.00%▲ from 11.50% Sep 25, 202611.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Motorcycle/Boat Loan	-	17.00%	84 months
Details Year: 2024-2026; Credit Score: E = 549-; Minimum $20,000 Last Updated 10/13/2026 Rate History 1 change since Sep 25, 2026 · 8.50% → 17.00% ▲ 8.50 pts · high 17.00% / low 8.50% Oct 9, 202617.00%▲ from 8.50% Sep 25, 20268.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Motorcycle/Boat Loan	-	17.25%	72 months
Details Year: 2022-2023; Credit Score: E = 549-; Minimum $20,000 Last Updated 10/13/2026 Rate History 1 change since Sep 25, 2026 · 11.25% → 17.25% ▲ 6.00 pts · high 17.25% / low 11.25% Oct 9, 202617.25%▲ from 11.25% Sep 25, 202611.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%

Audubon Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
Audubon Federal Visa Credit Card	-	10.90%
Details Annual percentage rate of 10.90% as stated on page; can open a card with as little as $500 to begin Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 10.90% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%

Audubon Federal Credit Union Personal Loan Rates

Product	APR	Term
Personal Loans	10.25%	24 months
Details Score: A+ = 750+ Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 10.25% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Personal Loans	10.50%	36 months
Details Score: A+ = 750+ Last Updated 10/13/2026 Rate History 3 changes since Sep 14, 2026 · 10.90% → 10.50% ▼ 0.40 pts · high 10.90% / low 10.50% Oct 5, 202610.50%▼ from 10.90% Sep 21, 202610.90%▲ from 10.50% Sep 17, 202610.50%▼ from 10.90% Sep 14, 202610.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Personal Loans	10.50%	24 months
Details Score: A = 680-749 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 10.25% → 10.50% ▲ 0.25 pts · high 10.50% / low 10.25% Sep 17, 202610.50%▲ from 10.25% Sep 14, 202610.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Personal Loans	11.00%	48 months
Details Score: A+ = 750+ Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 12.50% → 11.00% ▼ 1.50 pts · high 12.50% / low 11.00% Sep 17, 202611.00%▼ from 12.50% Sep 14, 202612.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Personal Loans	11.00%	36 months
Details Score: A = 680-749 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 10.90% → 11.00% ▲ 0.10 pts · high 11.00% / low 10.90% Sep 17, 202611.00%▲ from 10.90% Sep 14, 202610.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Personal Loans	11.50%	60 months
Details Score: A+ = 750+ Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 14.50% → 11.50% ▼ 3.00 pts · high 14.50% / low 11.50% Sep 17, 202611.50%▼ from 14.50% Sep 14, 202614.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Personal Loans	11.50%	48 months
Details Score: A = 680-749 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 12.50% → 11.50% ▼ 1.00 pts · high 12.50% / low 11.50% Sep 17, 202611.50%▼ from 12.50% Sep 14, 202612.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Personal Loans	11.50%	24 months
Details Score: B = 640-679 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 10.25% → 11.50% ▲ 1.25 pts · high 11.50% / low 10.25% Sep 17, 202611.50%▲ from 10.25% Sep 14, 202610.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Personal Loans	12.00%	60 months
Details Score: A = 680-749 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 14.50% → 12.00% ▼ 2.50 pts · high 14.50% / low 12.00% Sep 17, 202612.00%▼ from 14.50% Sep 14, 202614.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Personal Loans	12.00%	36 months
Details Score: B = 640-679 Last Updated 10/13/2026 Rate History 3 changes since Sep 14, 2026 · 10.90% → 12.00% ▲ 1.10 pts · high 12.00% / low 10.90% Oct 5, 202612.00%▲ from 11.00% Sep 21, 202611.00%▼ from 12.00% Sep 17, 202612.00%▲ from 10.90% Sep 14, 202610.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Personal Loans	12.50%	48 months
Details Score: B = 640-679 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 12.50% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Personal Loans	13.00%	60 months
Details Score: B = 640-679 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 14.50% → 13.00% ▼ 1.50 pts · high 14.50% / low 13.00% Sep 17, 202613.00%▼ from 14.50% Sep 14, 202614.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Personal Loans	13.00%	24 months
Details Score: C = 600-639 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 15.50% → 13.00% ▼ 2.50 pts · high 15.50% / low 13.00% Sep 17, 202613.00%▼ from 15.50% Sep 14, 202615.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Personal Loans	13.50%	36 months
Details Score: C = 600-639 Last Updated 10/13/2026 Rate History 2 changes since Sep 14, 2026 · 13.50% → 13.50% ▼ 0.00 pts · high 14.40% / low 13.50% Oct 5, 202613.50%▼ from 14.40% Sep 21, 202614.40%▲ from 13.50% Sep 14, 202613.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Personal Loans	14.00%	48 months
Details Score: C = 600-639 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 14.00% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Personal Loans	14.50%	60 months
Details Score: C = 600-639 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 14.50% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Personal Loans	15.50%	24 months
Details Score: D = 550-599 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 15.50% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Personal Loans	16.00%	36 months
Details Score: D = 550-599 Last Updated 10/13/2026 Rate History 2 changes since Sep 14, 2026 · 16.00% → 16.00% ▼ 0.00 pts · high 16.40% / low 16.00% Oct 5, 202616.00%▼ from 16.40% Sep 21, 202616.40%▲ from 16.00% Sep 14, 202616.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Personal Loans	16.50%	48 months
Details Score: D = 550-599 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 16.50% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Personal Loans	17.00%	60 months
Details Score: D = 550-599 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 17.00% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Personal Loans	18.00%	24 months
Details Score: E = 549 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 15.50% → 18.00% ▲ 2.50 pts · high 18.00% / low 15.50% Sep 17, 202618.00%▲ from 15.50% Sep 14, 202615.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Personal Loans	18.00%	36 months
Details Score: E = 549 Last Updated 10/13/2026 Rate History 3 changes since Sep 14, 2026 · 16.40% → 18.00% ▲ 1.60 pts · high 18.00% / low 16.40% Oct 5, 202618.00%▲ from 16.40% Sep 21, 202616.40%▼ from 18.00% Sep 17, 202618.00%▲ from 16.40% Sep 14, 202616.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Personal Loans	18.00%	48 months
Details Score: E = 549 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 16.50% → 18.00% ▲ 1.50 pts · high 18.00% / low 16.50% Sep 17, 202618.00%▲ from 16.50% Sep 14, 202616.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Personal Loans	18.00%	60 months
Details Score: E = 549 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 17.00% → 18.00% ▲ 1.00 pts · high 18.00% / low 17.00% Sep 17, 202618.00%▲ from 17.00% Sep 14, 202617.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%

Audubon Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Line of Credit	-	-	8.75%	60 months
Details Score: A+ = 750+ Last Updated 10/13/2026 Rate History 1 change since Sep 17, 2026 · 9.00% → 8.75% ▼ 0.25 pts · high 9.00% / low 8.75% Sep 21, 20268.75%▼ from 9.00% Sep 17, 20269.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Line of Credit	-	-	9.00%	60 months
Details Score: A = 680-749 Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 9.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Line of Credit	-	-	10.00%	48 months
Details Score: B = 640-679; 10.00% applies at 48 months Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 10.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Line of Credit	-	-	11.50%	36 months
Details Score: C = 600-639 Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 11.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Line of Credit	-	-	13.50%	36 months
Details Score: D = 550-599 Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 13.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Line of Credit	-	-	17.00%	36 months
Details Score: E = 549 Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 17.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Loan Promotion /	-	-	6.90%	36 months
Details $3000; Score: A+ = 750+ Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 6.90% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Loan Promotion /	-	-	7.90%	36 months
Details $3000; Score: B = 640-679 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 7.90% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Loan Promotion /	-	-	10.90%	36 months
Details $3000; Score: C = 600-639 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 10.90% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Loan Promotion /	-	-	14.40%	36 months
Details $3000; Score: D = 550-599 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 14.40% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Loan Promotion /	-	-	16.40%	36 months
Details $3000; Score: E = 549 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 16.40% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Accumulation	0.15%	-	0.15%
Min Balance $1,000 Details Balance: $1,000 - $4,999; Two withdrawals per month allowed, $10.00 for each additional withdrawal; Effective 7/1/2022 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 0.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Accumulation	0.20%	-	0.20%
Min Balance $5,000 Details Balance: $5,000 - $9,999; Two withdrawals per month allowed, $10.00 for each additional withdrawal; Effective 7/1/2022 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 0.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Accumulation	0.25%	-	0.25%
Min Balance $10,000 Details Balance: $10,000 - $24,999; Two withdrawals per month allowed, $10.00 for each additional withdrawal; Effective 7/1/2022 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 0.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Accumulation	0.30%	-	0.30%
Min Balance $25,000 Details Balance: $25,000 or more; Two withdrawals per month allowed, $10.00 for each additional withdrawal; Effective 7/1/2022 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 0.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
IRA Traditional	0.45%	-	0.45%
Details Share Savings Rates; Rates Effective 2/01/2025 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.45% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%

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

Audubon Federal Credit Union’s Texas Ratio stayed near 5.49% in Q3 2023 to 5.60% 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 — this credit union’s entire history sits far below the 15% threshold 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 Grade

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	$34M	5.60%	5.0	A+
March 31, 2026	$35M	2.96%	5.0	A+
December 31, 2025	$35M	3.20%	5.0	A+
September 30, 2025	$36M	1.76%	5.0	A+
June 30, 2025	$39M	2.86%	5.0	A+
March 31, 2025	$35M	2.15%	5.0	A+
December 31, 2024	$33M	2.63%	5.0	A+
September 30, 2024	$33M	1.48%	5.0	A+
June 30, 2024	$32M	0.26%	5.0	A+
March 31, 2024	$33M	0.53%	5.0	A+
December 31, 2023	$30M	2.63%	5.0	A+
September 30, 2023	$30M	5.49%	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 Audubon Federal 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 Audubon Federal 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 Audubon Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Audubon Federal Credit Union

Website https://audubonfcu.net

Address 1429 Breckenridge St, Owensboro, KY 42303

Phone 270-685-3487

Fax 270-685-0521

President Eddy McFarland

CEO Jessica Higdon

Full-Time Employees 7

Part-Time Employees 2

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+ (97/100)

Texas Ratio

5.60%

Return on Assets (ROA)

0.3932%

Return on Equity (ROE)

4.3828%

Non-Performing Loans Ratio (NPL)

1.00%

Total Assets

34,419,959

Total Amount of Shares and Deposits

31,242,517

Total Shares and Deposits < 1 Year

30,966,661

Total Shares and Deposits 1 3 Years

275,223

Total Shares and Deposits > 3 Years

633

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

582,008

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

582,008

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

30,660,509

Total Interest Expense (Sum of items 6 8)

137,387

Share Certificates

471

Number of Accounts for Share Drafts

1,519

IRA KEOGH Accounts

Number of Accounts for Regular Shares

4,441

All other shares

169

Money Market Shares

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)

6,193,708

Total Liabilities

31,332,181

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Audubon Federal 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.

Customer Reviews

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Average Rating

☆☆☆☆☆

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Frequently Asked Questions About Audubon Federal Credit Union

How many branches does Audubon Federal Credit Union operate?

Audubon Federal 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 Audubon Federal Credit Union?

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

Does Audubon Federal Credit Union offer online and mobile banking?

Most modern institutions like Audubon Federal 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://audubonfcu.net.

Current Audubon Federal Credit Union Rates

12-Month CD0.50%
18-Month CD0.55%
24-Month CD0.65%
Savings3.50%
MMA0.45%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Audubon Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Audubon Federal Credit Union Texas Ratio

Audubon Federal Credit Union Health Trend

Audubon Federal Credit Union CD Rates

Audubon Federal Credit Union Savings Rates

Audubon Federal Credit Union Money Market Rates

Audubon Federal Credit Union Checking Rates

Audubon Federal Credit Union Auto Loan Rates

Audubon Federal Credit Union RV, Boat and Powersport Loan Rates

Audubon Federal Credit Union Credit Card Rates

Audubon Federal Credit Union Personal Loan Rates

Audubon Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Audubon Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Audubon Federal Credit Union

How many branches does Audubon Federal Credit Union operate?

Is a member application needed to join Audubon Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Audubon Federal Credit Union offer online and mobile banking?

Current Audubon Federal Credit Union Rates

Compare to Other Credit Unions