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 Cherokee County Federal Credit Union Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 23, 2026
Cherokee County Federal Credit Union's IRA CD Accounts - 12 Month rates are at 1.91%, CD 12 Month rates are at 1.91%, IRA CD Accounts - 24 Month rates are at 1.76%, CD 24 Month rates are at 1.76%. Cherokee County Federal Credit Union's savings rates are at 0.35%. Cherokee County Federal Credit Union's checking rates are as high as 0.10%. Cherokee County Federal Credit Union's Personal Loan Rates are as low as 9.00%. MonitorBankRates evaluates the financial stability of Cherokee County Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.47%. Rates last updated and verified on 10/23/2026. Cherokee County 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 Cherokee County Federal Credit Union? Share your experience about Cherokee County Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Cherokee County Federal Credit Union. Cherokee County Federal Credit Union
Cherokee County Federal Credit Union 144 N Henderson St
https://www.cherokeecountyfcu.com Rusk, TX 75785  Customer Reviews
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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. Cherokee County Federal Credit Union CD Rates
Cherokee County Federal Credit Union Savings Rates
Cherokee County Federal Credit Union Checking Rates
Cherokee County Federal Credit Union Auto Loan Rates
Cherokee County Federal Credit Union Personal Loan Rates
Financial Health HistoryCherokee County Federal Credit Union’s Texas Ratio rose from 1.27% in Q3 2023 to 2.47% in Q2 2026, so its financial health has stayed 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 — 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
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Cherokee County 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 Cherokee County 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 Cherokee County Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Cherokee County Federal Credit Union
Address
144 N Henderson St,
Rusk, TX 75785
Phone
903-683-2527
Fax
903-683-3499
President
Greg Allbright
CEO
Jamie Lewis
Full-Time Employees
15
Part-Time Employees
1
Branch Locations
2
ATM Locations
2
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.47%
Return on Assets (ROA)
0.4889%
Return on Equity (ROE)
1.7921%
Non-Performing Loans Ratio (NPL)
1.11%
Total Assets
44,842,848
Total Amount of Shares and Deposits
32,552,458
Total Shares and Deposits < 1 Year
31,614,005
Total Shares and Deposits 1 3 Years
938,452
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
454,873
Total Uninsured Shares and Deposits > $250K (F+J)
454,873
Total Insured Shares and Deposits > $250K (item 17 less item K)
32,097,585
Total Interest Expense (Sum of items 6 8)
184,138
Share Certificates
242
Number of Accounts for Share Drafts
2,079
IRA KEOGH Accounts
43
Number of Accounts for Regular Shares
5,181
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)
3,698,364
Total Liabilities
32,608,531
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Frequently Asked Questions About Cherokee County Federal Credit UnionDoes Cherokee County Federal Credit Union offer CDs?Yes. Cherokee County Federal Credit Union offers share certificates (CDs) with fixed interest rates across multiple term lengths. CD rates verified by MonitorBankRates as of October 23, 2026 include 1.91% APY on its IRA CD Accounts - 12 Month, 1.91% APY on its CD 12 Month and 1.76% APY on its IRA CD Accounts - 24 Month. Are CDs from Cherokee County Federal Credit Union NCUA insured?Yes. Cherokee County Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at Cherokee County Federal Credit Union?The highest CD rate MonitorBankRates has verified for Cherokee County Federal Credit Union is 1.91% APY on its IRA CD Accounts - 12 Month, as of October 23, 2026. What CD terms does Cherokee County Federal Credit Union offer?The Cherokee County Federal Credit Union CD terms MonitorBankRates tracks include 12 month and 2 year terms, with rates from 1.76% to 1.91% APY. The institution may offer other terms or specials that are not listed here, so check with Cherokee County Federal Credit Union for its full lineup. What is the highest savings rate at Cherokee County Federal Credit Union?The highest savings rate MonitorBankRates has verified for Cherokee County Federal Credit Union is 0.35% APY on its Savings/IRA Savings, as of October 23, 2026. What is the highest checking rate at Cherokee County Federal Credit Union?The highest checking rate MonitorBankRates has verified for Cherokee County Federal Credit Union is 0.10% APY on its Cherokee Checking Bonus, as of October 23, 2026. What is the lowest auto loan rate at Cherokee County Federal Credit Union?The lowest auto loan rate MonitorBankRates has verified for Cherokee County Federal Credit Union is 5.10% APR on its New Auto Loans, as of October 23, 2026. What is the lowest personal loan rate at Cherokee County Federal Credit Union?The lowest personal loan rate MonitorBankRates has verified for Cherokee County Federal Credit Union is 9.00% APR on its Unsecured Loans, as of October 23, 2026. How many branches does Cherokee County Federal Credit Union operate?Cherokee County 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 Cherokee County Federal Credit Union?Yes, to access services at Cherokee County 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, Cherokee County 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, Cherokee County Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Cherokee County Federal Credit Union offer online and mobile banking?Most modern institutions like Cherokee County 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://www.cherokeecountyfcu.com. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Cherokee County Federal Credit Union rates compare?Cherokee County Federal Credit Union's top rates are 1.91% APY on its IRA CD Accounts - 12 Month, 0.35% APY on its Savings/IRA Savings, 0.10% APY on its Cherokee Checking Bonus and 9.00% APR on its Unsecured Loans, verified by MonitorBankRates on October 23, 2026. Current Cherokee County Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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