What are the current interest rates at Christian Financial Credit Union?

Current rates for Christian Financial Credit Union include: 12-Month CD: 1.50%, 18-Month CD: 4.50%, 24-Month CD: 4.50%, 60-Month CD: 3.75%, Savings: 5.00%

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Christian Financial Credit Union

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Christian Financial Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Christian Financial 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

Christian Financial Credit Union's top rates as of October 13, 2026 are 4.50% APY on its 12 Month CD, 5.00% APY on savings, personal loans from 7.49% APR, and credit cards from 8.90% APR, according to rates verified by MonitorBankRates. Other Christian Financial Credit Union CD rates include 12 Month Youth CD at 4.50%, 18 Month CD at 4.50%, and 24 Month CD at 4.50%. MonitorBankRates evaluates the financial stability of Christian Financial Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.21%. Rates last updated and verified on 10/13/2026.

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

3.21%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Christian Financial Credit Union
Westward Way

35100 Van Dyke Ave
Sterling Heights, MI 48312

https://www.christianfinancialcu.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.

Christian Financial Credit Union CD Rates

Product	Rate	APY	Term
12 Month Certificate	-	4.50%	12 Month
Min Deposit $500 Details Dividends compounded and credited monthly; Rates effective as of October 13, 2026 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00% Sep 29, 20264.50%▲ from 4.00% Sep 14, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%
12 Month Youth Certificate	4.41%	4.50%	12 Month
Min Balance $250 Details Youth Certificate Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00% Sep 29, 20264.50%▲ from 4.00% Sep 14, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%
18 Month Certificate	-	4.50%	18 Month
Min Deposit $500 Details Dividends compounded and credited monthly; Rates effective as of October 13, 2026 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 4.10% → 4.50% ▲ 0.40 pts · high 4.50% / low 4.10% Sep 29, 20264.50%▲ from 4.10% Sep 14, 20264.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%
24 Month Certificate	-	4.50%	24 Month
Min Deposit $500 Details Dividends compounded and credited monthly; Rates effective as of October 13, 2026 Last Updated 10/13/2026 Rate History 2 changes since Sep 18, 2026 · 4.20% → 4.50% ▲ 0.30 pts · high 4.50% / low 4.20% Sep 29, 20264.50%▲ from 4.40% Sep 22, 20264.40%▲ from 4.20% Sep 18, 20264.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%
Certificates of Deposit - 12 Month	4.41%	4.50%	12 Month
Min Balance $500 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00% Sep 29, 20264.50%▲ from 4.00% Sep 14, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%
Certificates of Deposit - 18 Month	4.41%	4.50%	18 Month
Min Balance $500 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 4.10% → 4.50% ▲ 0.40 pts · high 4.50% / low 4.10% Sep 29, 20264.50%▲ from 4.10% Sep 14, 20264.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%
Certificates of Deposit - 24 Month	4.41%	4.50%	24 Month
Min Balance $500 Last Updated 10/13/2026 Rate History 2 changes since Sep 18, 2026 · 4.20% → 4.50% ▲ 0.30 pts · high 4.50% / low 4.20% Sep 29, 20264.50%▲ from 4.40% Sep 22, 20264.40%▲ from 4.20% Sep 18, 20264.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%
36 Month Certificate	-	3.75%	36 Month
Min Deposit $500 Details Dividends compounded and credited monthly; Rates effective as of October 13, 2026 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%
60 Month Certificate	-	3.75%	60 Month
Min Deposit $500 Details Dividends compounded and credited monthly; Rates effective as of October 13, 2026 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%
Certificates of Deposit - 36 Month	3.69%	3.75%	36 Month
Min Balance $500 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%
Certificates of Deposit - 60 Month	3.69%	3.75%	60 Month
Min Balance $500 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%
12 Month Super Saver Certificate	3.45%	3.50%	12 Month
Min Balance $500 Details Super Saver; additional deposits not to exceed $100,000 in aggregate per certificate; limited to two per Social Security number Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%
48 Month Certificate	-	3.50%	48 Month
Min Deposit $500 Details Dividends compounded and credited monthly; Rates effective as of October 13, 2026 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%
Certificates of Deposit - 48 Month	3.45%	3.50%	48 Month
Min Balance $500 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%
6 Month Certificate	1.99%	2.00%	6 Month
Min Balance $500 Details Certificate of Deposit; Dividends compounded and credited quarterly Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 2.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%
12 Month Save To Win Certificate	1.49%	1.50%	12 Month
Min Balance $25 Details Save To Win; additional deposits allowed throughout the term; limited to one per Social Security number; early withdrawal penalty equal to $25; fees may reduce earnings Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%

Christian Financial Credit Union Savings Rates

Product	Rate	APY
Youth Savings	4.91%	5.00%
Min Balance $0 Details Balance: $0-$1,000.00; Blended APY; Limit one Youth Savings account per member Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 5.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%
Money Market Savings	1.98%	2.00%
Min Balance $250,000 Details Balance: $250,000.00 and above Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%
Money Market Savings	1.74%	1.75%
Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%
Money Market Savings	1.49%	1.50%
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%
Youth Savings	1.49%	1.50%
Min Balance $1,000 Details Balance: $1,000.01-$20,000.00; Blended APY; Limit one Youth Savings account per member Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%
Money Market Savings	1.24%	1.25%
Min Balance $10,000 Details Balance: $10,000.00 - $49,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%
Money Market Savings	1.00%	1.00%
Min Balance $2,500 Details Balance: $2,500.00 - $9,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%
IRA Savings	0.50%	0.50%
Min Balance $1,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%
Christmas Club	0.25%	0.25%
Min Balance $100 Details Fees may reduce earnings Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%
Money Market Savings	0.05%	0.05%
Min Balance $100 Details Balance: $100.00 - $2,499.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%
Savings	0.05%	0.05%
Min Balance $100 Details Fees may reduce earnings Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%
Youth Savings	0.05%	0.05%
Min Balance $20,000 Details Balance: $20,000.01+; Blended APY; Limit one Youth Savings account per member Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%

Christian Financial Credit Union Money Market Rates

Product	Rate	APY
Money Market Savings	1.98%	2.00%
Min Balance $250,000 Details Balance: $250,000.00 and above Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%
Money Market Savings	1.74%	1.75%
Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%
Money Market Savings	1.49%	1.50%
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%
Money Market Savings	1.24%	1.25%
Min Balance $10,000 Details Balance: $10,000.00 - $49,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%
Money Market Savings	1.00%	1.00%
Min Balance $2,500 Details Balance: $2,500.00 - $9,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%
Money Market Savings	0.05%	0.05%
Min Balance $100 Details Balance: $100.00 - $2,499.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%

Christian Financial Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity Line of Credit	-	-	6.00%
Details As Low As; Variable rate; minimum rate 5.50% APR, maximum rate 14.00% APR; primary residences in the State of Michigan only Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 5.75% → 6.00% ▲ 0.25 pts · high 6.00% / low 5.75% Sep 18, 20266.00%▲ from 5.75% Sep 14, 20265.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%

Christian Financial Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loans '17 - '22	-	-	3.99%	12 - 36 months
Details As Low As; Limited-Time Offer; Rates valid for Used Autos (Model years 2017-2022) Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%
Auto Loans '23 - '27	-	-	3.99%	12 - 36 months
Details As Low As; Limited-Time Offer; Model Years 2023-2027 (New & Used Autos) Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%
Auto Loans '17 - '22	-	-	4.99%	37 - 60 months
Details As Low As; Rates valid for Used Autos (Model years 2017-2022) Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 4.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%
Auto Loans '23 - '27	-	-	4.99%	37 - 60 months
Details As Low As; Model Years 2023-2027 (New & Used Autos) Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 4.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%
Auto Loans '17 - '22	-	-	5.49%	61 - 75 months
Details As Low As; Balance: $15,000 & over; Rates valid for Used Autos (Model years 2017-2022) Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 5.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%
Auto Loans '23 - '27	-	-	5.49%	61 - 75 months
Details As Low As; Loan Amount: $15,000 & over; Model Years 2023-2027 (New & Used Autos) Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 5.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%
Auto Loans '17 - '22	-	-	5.74%	76 - 84 months
Details As Low As; Balance: $30,000 & over; Rates valid for Used Autos (Model years 2017-2022) Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 5.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%
Auto Loans '23 - '27	-	-	5.74%	76 - 84 months
Details As Low As; Loan Amount: $30,000 & over; Model Years 2023-2027 (New & Used Autos) Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 5.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%

Christian Financial Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Boat & Recreational Vehicle Loans	-	4.99%	Up to 120 months
Details As Low As; Loan Amount: Any amount; Requires automatic payments; Loans over 80% of collateral value may be subject to a higher rate Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 4.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%
RV Loans	-	4.99%	Up to 120 months
Details As Low As; Loan Amount: Any amount; Rates require automatic payments; Loans over 80% of collateral value or refinancing CFCU loans may be subject to a higher rate Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%
Boat & Recreational Vehicle Loans	-	5.99%	Up to 180 months
Details As Low As; Loan Amount: $50,000+; Requires automatic payments; Loans over 80% of collateral value may be subject to a higher rate Last Updated 10/13/2026 Rate History 1 change since Sep 18, 2026 · 5.75% → 5.99% ▲ 0.24 pts · high 5.99% / low 5.75% Oct 9, 20265.99%▲ from 5.75% Sep 18, 20265.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%
Boat & Recreational Vehicle Loans	-	5.99%	Up to 240 months
Details As Low As; Loan Amount: $75,000+; Requires automatic payments; Loans over 80% of collateral value may be subject to a higher rate Last Updated 10/13/2026 Rate History 1 change since Sep 18, 2026 · 5.75% → 5.99% ▲ 0.24 pts · high 5.99% / low 5.75% Oct 9, 20265.99%▲ from 5.75% Sep 18, 20265.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%
RV Loans	-	5.99%	Up to 180 months
Details As Low As; Loan Amount: $50,000+; Rates require automatic payments; Loans over 80% of collateral value or refinancing CFCU loans may be subject to a higher rate Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%
RV Loans	-	5.99%	Up to 240 months
Details As Low As; Loan Amount: $75,000+; Rates require automatic payments; Loans over 80% of collateral value or refinancing CFCU loans may be subject to a higher rate Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%
Powersport Loans	-	6.74%	Up to 60 Months
Details As Low As; Motorcycles, Jet Ski's, Snowmobiles, Off-Road Vehicles, Camper Tops, Riding Lawn Tractors; Rates require automatic payments; Loans over 80% of collateral value may be subject to a higher rate; Members refinancing existing Christian Financial CU loans are subject to a higher rate Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%
Powersport Loans	-	7.74%	Up to 84 Months
Details Term: Up to 84 Months (must be over $10,000); As Low As; Motorcycles, Jet Ski's, Snowmobiles, Off-Road Vehicles, Camper Tops, Riding Lawn Tractors; Loan amount must be over $10,000; Rates require automatic payments; Loans over 80% of collateral value may be subject to a higher rate; Members refinancing existing Christian Financial CU loans are subject to a higher rate Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%

Christian Financial Credit Union Credit Card Rates

Product	Rate	APR
Visa Platinum Credit Card	-	8.90%
Details As Low As; Minimum Credit Line: $2,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 8.90% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%
Visa Signature Credit Card	-	9.90%
Details As Low As; Minimum Credit Line: $5,000; $100 Cash Back for spend and 2% Cash Back for balance transfers applicable to new accounts only Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 9.90% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%
Visa Business Credit Card	-	12.00%
Details As Low As; Minimum Credit Line: Varies Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 12.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%

Christian Financial Credit Union Personal Loan Rates

Product	APR	Term
Seasonal Personal Loan	7.49%	Up to 12 months
Details As Low As; Personal Loans; Effective Date October 13, 2026; Can be used for vacations, wedding expenses or taxes; Minimum loan amount $500.00, maximum loan amount $5,000.00 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 9.99% → 7.49% ▼ 2.50 pts · high 9.99% / low 7.49% Oct 9, 20267.49%▼ from 9.99% Sep 14, 20269.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%
Visa Signature Credit Card	9.90%
Details As Low As; Minimum Credit Line: $5,000; $100 Cash Back for spend and 2% Cash Back for balance transfers applicable to new accounts only Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 9.90% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%
Personal Loan	10.49%	Up to 60 months
Details As Low As; Personal Loans; Effective Date October 13, 2026; Rate shown includes discount for automatic payment; Minimum loan amount $500.00, maximum loan amount $5,000.00 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 10.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%

Christian Financial Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Debt Shed Loan	-	-	9.49%
Details Under $10,000; As Low As; Loan Amount: Up to $10,000; Rates listed are based on automatic loan payment; Refinancing of existing Christian Financial debt not available with Debt Shed; No consolidation of existing Debt Sheds Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 9.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%
Debt Shed to $15,000 Loan	-	-	10.49%
Details $10,000; As Low As; Loan Amount: $10,001 - $15,000; Max to Lend = $15,000; Rates listed are based on automatic loan payment; Refinancing of existing Christian Financial debt not available with Debt Shed; No consolidation of existing Debt Sheds Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 10.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%
Energy Smart Financing with Michigan Saves	-	-	6.24%	Up to 120 Months
Details As Low As; Financed amount $1,000 - $14,999; Applies only to energy-smart financing through the Michigan Saves program and an Authorized Contractor Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 6.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%
Energy Smart Financing with Michigan Saves	-	-	6.74%	180 Months
Details As Low As; Financed amount $15,000 - $50,000; Applies only to energy-smart financing through the Michigan Saves program and an Authorized Contractor Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 6.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%
Line of Credit	-	-	11.49%
Details As Low As; Personal Loans; Effective Date October 13, 2026 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 11.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%

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

Financial Health History

Christian Financial Credit Union’s Texas Ratio rose from 1.75% in Q3 2023 to 3.21% 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

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	$1.1B	3.21%	5.0	A+
March 31, 2026	$1.1B	1.58%	5.0	A+
December 31, 2025	$1.1B	2.16%	5.0	A+
September 30, 2025	$1.1B	2.07%	5.0	A+
June 30, 2025	$934M	2.30%	5.0	A+
March 31, 2025	$924M	2.27%	5.0	A+
December 31, 2024	$901M	2.12%	5.0	A+
September 30, 2024	$876M	1.63%	5.0	A+
June 30, 2024	$852M	1.18%	5.0	A+
March 31, 2024	$856M	1.24%	5.0	A+
December 31, 2023	$848M	2.13%	5.0	A+
September 30, 2023	$829M	1.75%	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 Christian Financial 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 Christian Financial 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 Christian Financial Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Christian Financial Credit Union

Website https://www.christianfinancialcu.org

Address 35100 Van Dyke Ave, Sterling Heights, MI 48312

Phone 586-772-6330

Fax

President James Banaszak

CEO Patricia Campbell

Full-Time Employees 188

Part-Time Employees 11

Branch Locations 12

ATM Locations 12

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

3.21%

Return on Assets (ROA)

0.3497%

Return on Equity (ROE)

3.5228%

Non-Performing Loans Ratio (NPL)

0.46%

Total Assets

1,118,587,507

Total Amount of Shares and Deposits

983,993,632

Total Shares and Deposits < 1 Year

874,541,030

Total Shares and Deposits 1 3 Years

102,013,417

Total Shares and Deposits > 3 Years

7,439,185

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

39,279,872

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

39,279,872

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

944,713,760

Total Interest Expense (Sum of items 6 8)

8,946,280

Share Certificates

8,640

Number of Accounts for Share Drafts

38,890

IRA KEOGH Accounts

1,949

Number of Accounts for Regular Shares

118,228

All other shares

146

Money Market Shares

4,198

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)

83,601,811

Total Liabilities

1,009,957,854

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Christian Financial Credit Union earned the Verified Healthy badge

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Christian Financial Credit Union

How many branches does Christian Financial Credit Union operate?

Christian Financial 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 Christian Financial Credit Union?

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

Does Christian Financial Credit Union offer online and mobile banking?

Most modern institutions like Christian Financial 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.christianfinancialcu.org.

Current Christian Financial Credit Union Rates

12-Month CD1.50%
18-Month CD4.50%
24-Month CD4.50%
60-Month CD3.75%
Savings5.00%

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

Compare to Other Credit Unions

Christian Financial Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

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Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Christian Financial Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Christian Financial Credit Union

How many branches does Christian Financial Credit Union operate?

Is a member application needed to join Christian Financial Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Christian Financial Credit Union offer online and mobile banking?

Current Christian Financial Credit Union Rates

Compare to Other Credit Unions