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Cloverbelt Credit Union Rates & Review August 2026

Cloverbelt Credit Union's 25-Month CD rates are at 4.40%, 18-Month CD rates are at 4.25%, 24-Month CD rates are at 4.25%, 15-Month CD rates are at 4.00%, 12-Month CD rates are at 3.50%. Cloverbelt Credit Union's savings rates are at 0.35%. Cloverbelt Credit Union's money market rates are at 0.75%. Cloverbelt Credit Union's 1st Mortgage - 5 Year Fixed Rate rates are at 5.25%, 10 Year Fixed Rate rates are at 5.50%, 1st Mortgage - 10 Year Fixed Rate rates are at 5.50%, 15 Year Fixed Rate rates are at 6.00%, 1st Mortgage - 15 Year Fixed Rate rates are at 6.00%. Cloverbelt Credit Union's Personal Loan Rates are at 10.99%. MonitorBankRates evaluates the financial stability of Cloverbelt Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.70%. Rates last updated and verified on 08/28/2026.

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

MonitorBankRates Exceptional Health Badge 2026 Exceptional Health Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 100/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
0.70%
Excellent Lower than avg
Cloverbelt Credit Union
Main Office
110 McIndoe St
Wausau, WI 54403 4742
https://www.ccuwausau.com
Member NCUA

Cloverbelt Credit Union CD Rates

Product Rate APY Term View More
25-Month Certificate 4.33% 4.40% 25 Months
Min Balance $5,000
Details new money required
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.70%
18-Month Certificate 4.18% 4.25% 18 Months
Min Balance $5,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.70%
24-Month Certificate 4.18% 4.25% 24 Months
Min Balance $5,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.70%
15-Month Certificate 3.94% 4.00% 15 Months
Min Balance $5,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.70%
12-Month Certificate 3.46% 3.50% 12 Months
Min Balance $5,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.70%
13-Month Certificate 3.46% 3.50% 13 Months
Min Balance $5,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.70%
16-Month Certificate 3.46% 3.50% 16 Months
Min Balance $5,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.70%
60 Month Certificate 3.46% 3.50% 60 Months
Min Balance $5,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.70%
7-Month Certificate 3.46% 3.50% 7 Months
Min Balance $5,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.70%
9-Month Certificate 3.46% 3.50% 9 Months
Min Balance $5,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.70%
48-Month Certificate 3.31% 3.35% 48 Months
Min Balance $5,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.70%
36-Month Certificate 3.21% 3.25% 36 Months
Min Balance $5,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.70%
21-Month Certificate 2.97% 3.00% 21 Months
Min Balance $5,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.70%
30-Month Certificate 2.97% 3.00% 30 Months
Min Balance $5,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.70%
60-Month Certificate 2.23% 2.25% 60 Months
Min Balance $1,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.70%
48-Month Certificate 2.08% 2.10% 48 Months
Min Balance $1,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.70%
6-Month Certificate 1.99% 2.00% 6 Months
Min Balance $10,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.70%
36-Month Certificate 1.74% 1.75% 36 Months
Min Balance $1,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.70%
24-Month Certificate 1.49% 1.50% 24 Months
Min Balance $1,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.70%
30-Month Certificate 1.44% 1.45% 30 Months
Min Balance $1,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.70%
18-Month Certificate 1.34% 1.35% 18 Months
Min Balance $1,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.70%
12-Month Certificate 1.24% 1.25% 12 Months
Min Balance $1,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.70%
6-Month Certificate 0.75% 0.75% 6 Months
Min Balance $2,500
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.70%

Cloverbelt Credit Union Savings Rates

Product Rate APY View More
Money Market Savings 2.72% 2.75%
Min Balance $75,000
Details Tier 4
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.70%
Money Market Savings 2.03% 2.05%
Min Balance $25,000
Details Tier 3
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.70%
Money Market Savings 1.20% 1.20%
Min Balance $10,000
Details Tier 2
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.70%
Money Market Savings 0.75% 0.75%
Min Balance $0
Details Tier 1
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.70%
Saver's Sweepstakes Savings 0.35% 0.35%
Min Balance $25
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.70%

Cloverbelt Credit Union Money Market Rates

Product Rate APY View More
Money Market Savings 2.72% 2.75%
Min Balance $75,000
Details Tier 4
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.70%
Money Market Savings 2.03% 2.05%
Min Balance $25,000
Details Tier 3
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.70%
Money Market Savings 1.20% 1.20%
Min Balance $10,000
Details Tier 2
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.70%
Money Market Savings 0.75% 0.75%
Min Balance $0
Details Tier 1
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.70%

Cloverbelt Credit Union Checking Rates

Product Rate APY View More
Money Market Checking 1.00% 1.00%
Min Balance $10,000
Details Tier 2
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.70%
Money Market Checking 0.75% 0.75%
Min Balance $0
Details Tier 1
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.70%

Cloverbelt Credit Union Mortgage Rates

Product Rate Points APR Term View More
1st Mortgage - 5 Year Fixed Rate 5.25% - 5.54% 60
Details Mortgage rates shown here are the lowest rates available. Borrower must qualify for Cloverbelt Credit Union membership, and all loan applications are subject to credit approval. Your rate may vary and is based on the property type, loan type, term, your credit score, the loan-to-value ratio, and other variables. The rates and monthly payments are per $1,000 borrowed using a single-family primary residence as collateral, with a maximum 80% loan-to-value ratio. For fixed rate loans, the rate shown is for the life of the loan. For ARM loans, the rate/APR shown is effective 08/14/2026 and applies to the initial term. After that period, the loan will adjust to the then-current fully indexed rate. Rates and terms are also available for 20 and 30-year fixed rate home loans on the secondary market, as well as in-house and secondary market investment property and commercial property loans. Please contact a Mortgage Specialist at 715-843-4663 or [email protected] for a custom quote that's tailored to your needs.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.70%
10 Year Fixed Rate 5.50% - 5.65% 120 months
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.70%
1st Mortgage - 10 Year Fixed Rate 5.50% - 5.65% 120
Details Mortgage rates shown here are the lowest rates available. Borrower must qualify for Cloverbelt Credit Union membership, and all loan applications are subject to credit approval. Your rate may vary and is based on the property type, loan type, term, your credit score, the loan-to-value ratio, and other variables. The rates and monthly payments are per $1,000 borrowed using a single-family primary residence as collateral, with a maximum 80% loan-to-value ratio. For fixed rate loans, the rate shown is for the life of the loan. For ARM loans, the rate/APR shown is effective 08/14/2026 and applies to the initial term. After that period, the loan will adjust to the then-current fully indexed rate. Rates and terms are also available for 20 and 30-year fixed rate home loans on the secondary market, as well as in-house and secondary market investment property and commercial property loans. Please contact a Mortgage Specialist at 715-843-4663 or [email protected] for a custom quote that's tailored to your needs.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.70%
15 Year Fixed Rate 6.00% - 6.11% 180 months
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.70%
1st Mortgage - 15 Year Fixed Rate 6.00% - 6.11% 180
Details Mortgage rates shown here are the lowest rates available. Borrower must qualify for Cloverbelt Credit Union membership, and all loan applications are subject to credit approval. Your rate may vary and is based on the property type, loan type, term, your credit score, the loan-to-value ratio, and other variables. The rates and monthly payments are per $1,000 borrowed using a single-family primary residence as collateral, with a maximum 80% loan-to-value ratio. For fixed rate loans, the rate shown is for the life of the loan. For ARM loans, the rate/APR shown is effective 08/14/2026 and applies to the initial term. After that period, the loan will adjust to the then-current fully indexed rate. Rates and terms are also available for 20 and 30-year fixed rate home loans on the secondary market, as well as in-house and secondary market investment property and commercial property loans. Please contact a Mortgage Specialist at 715-843-4663 or [email protected] for a custom quote that's tailored to your needs.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.70%
1st Mortgage - 5/1 ARM 6.13% - 6.34% 360
Details Mortgage rates shown here are the lowest rates available. Borrower must qualify for Cloverbelt Credit Union membership, and all loan applications are subject to credit approval. Your rate may vary and is based on the property type, loan type, term, your credit score, the loan-to-value ratio, and other variables. The rates and monthly payments are per $1,000 borrowed using a single-family primary residence as collateral, with a maximum 80% loan-to-value ratio. For fixed rate loans, the rate shown is for the life of the loan. For ARM loans, the rate/APR shown is effective 08/14/2026 and applies to the initial term. After that period, the loan will adjust to the then-current fully indexed rate. Rates and terms are also available for 20 and 30-year fixed rate home loans on the secondary market, as well as in-house and secondary market investment property and commercial property loans. Please contact a Mortgage Specialist at 715-843-4663 or [email protected] for a custom quote that's tailored to your needs.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.70%
5/1 ARM 6.13% - 6.34% 360 months
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.70%
1st Mortgage - 3/1 ARM 6.13% - 6.38% 360
Details Mortgage rates shown here are the lowest rates available. Borrower must qualify for Cloverbelt Credit Union membership, and all loan applications are subject to credit approval. Your rate may vary and is based on the property type, loan type, term, your credit score, the loan-to-value ratio, and other variables. The rates and monthly payments are per $1,000 borrowed using a single-family primary residence as collateral, with a maximum 80% loan-to-value ratio. For fixed rate loans, the rate shown is for the life of the loan. For ARM loans, the rate/APR shown is effective 08/14/2026 and applies to the initial term. After that period, the loan will adjust to the then-current fully indexed rate. Rates and terms are also available for 20 and 30-year fixed rate home loans on the secondary market, as well as in-house and secondary market investment property and commercial property loans. Please contact a Mortgage Specialist at 715-843-4663 or [email protected] for a custom quote that's tailored to your needs.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.70%
3/1 ARM 6.13% - 6.38% 360 months
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.70%
Vacant Land - 10 Year Fixed 6.25% - 6.41% 120
Details Mortgage rates shown here are the lowest rates available. Borrower must qualify for Cloverbelt Credit Union membership, and all loan applications are subject to credit approval. Your rate may vary and is based on the property type, loan type, term, your credit score, the loan-to-value ratio, and other variables. The rates and monthly payments are per $1,000 borrowed using a single-family primary residence as collateral, with a maximum 80% loan-to-value ratio. For fixed rate loans, the rate shown is for the life of the loan. For ARM loans, the rate/APR shown is effective 08/14/2026 and applies to the initial term. After that period, the loan will adjust to the then-current fully indexed rate. Rates and terms are also available for 20 and 30-year fixed rate home loans on the secondary market, as well as in-house and secondary market investment property and commercial property loans. Please contact a Mortgage Specialist at 715-843-4663 or [email protected] for a custom quote that's tailored to your needs.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.70%
10/1 ARM 6.50% - 6.53% 360 months
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.70%
1st Mortgage - 10/1 ARM 6.50% - 6.53% 360
Details Mortgage rates shown here are the lowest rates available. Borrower must qualify for Cloverbelt Credit Union membership, and all loan applications are subject to credit approval. Your rate may vary and is based on the property type, loan type, term, your credit score, the loan-to-value ratio, and other variables. The rates and monthly payments are per $1,000 borrowed using a single-family primary residence as collateral, with a maximum 80% loan-to-value ratio. For fixed rate loans, the rate shown is for the life of the loan. For ARM loans, the rate/APR shown is effective 08/14/2026 and applies to the initial term. After that period, the loan will adjust to the then-current fully indexed rate. Rates and terms are also available for 20 and 30-year fixed rate home loans on the secondary market, as well as in-house and secondary market investment property and commercial property loans. Please contact a Mortgage Specialist at 715-843-4663 or [email protected] for a custom quote that's tailored to your needs.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.70%

Cloverbelt Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
2nd Mortgage / Home Equity / Home Flexity - 5 Year Fixed Rate 6.75% - 6.79% 60
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.70%
2nd Mortgage / Home Equity / Home Flexity - 10 Year Fixed Rate 7.25% - 7.27% 120
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.70%
2nd Mortgage / Home Equity / Home Flexity - 15 Year Fixed Rate 7.75% - 7.76% 180
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.70%

Cloverbelt Credit Union Personal Loan Rates

Product Rate APR View More
Personal Loans 10.99% 10.99%
Details $10000- $25000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.70%
Personal Loans 12.99% 12.99%
Details $1500 - $9999
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.70%

Methodology & Data Sources

MonitorBankRates Star Rating
Our rating for Cloverbelt 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 Cloverbelt 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 Cloverbelt Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Cloverbelt Credit Union
Address 110 McIndoe St, Wausau, WI 54403 4742
Phone 715-842-5693
Fax 715-842-0946
President Joel Breitzman
CEO Lisa Hieronimus
Full-Time Employees 55
Part-Time Employees 5
Branch Locations 3
ATM Locations 3
NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.70%
Return on Assets (ROA)
0.5614%
Return on Equity (ROE)
4.5054%
Non-Performing Loans Ratio (NPL)
0.11%
Total Assets
334,435,510
Total Amount of Shares and Deposits
290,387,923
Total Shares and Deposits < 1 Year
267,576,991
Total Shares and Deposits 1 3 Years
16,919,183
Total Shares and Deposits > 3 Years
5,891,749
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
16,838,301
Total Uninsured Shares and Deposits > $250K (F+J)
16,838,301
Total Insured Shares and Deposits > $250K (item 17 less item K)
273,549,622
Total Interest Expense (Sum of items 6 8)
4,222,094
Share Certificates
2,408
Number of Accounts for Share Drafts
7,999
IRA KEOGH Accounts
442
Number of Accounts for Regular Shares
16,426
All other shares
515
Non Member Deposits
3
Money Market Shares
979
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)
523,137
Total Liabilities
292,799,994
Source: NCUA — Last Updated 09/30/2025
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2026 MBR Health & Safety Badge

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Customer Reviews

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Frequently Asked Questions About Cloverbelt Credit Union

How many branches does Cloverbelt Credit Union operate?

Cloverbelt 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 Cloverbelt Credit Union?

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

Does Cloverbelt Credit Union offer online and mobile banking?

Most modern institutions like Cloverbelt 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.ccuwausau.com.

Current Cloverbelt Credit Union Rates

  • 12-Month CD1.25%
  • 18-Month CD1.35%
  • 24-Month CD1.50%
  • 60-Month CD2.25%
  • Savings0.35%
  • MMA0.75%
Retrieved from our database of financial products. Rates subject to change.