What are the current interest rates at Commonwealth Credit Union Frankfort, KY?

Current rates for Commonwealth Credit Union Frankfort, KY include: 12-Month CD: 4.25%, 18-Month CD: 4.30%, 24-Month CD: 4.35%, 60-Month CD: 4.50%, Savings: 0.15%, MMA: 3.25%

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Commonwealth Credit Union Frankfort, KY

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Commonwealth Credit Union Frankfort, KY Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Commonwealth Credit Union Frankfort, KY provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 10, 2026

Commonwealth Credit Union Frankfort, KY's top rates as of October 10, 2026 are 5.25% APY on its Traditional Grow with Me 12-Month CD, 0.15% APY on savings, 3.25% APY on money market accounts, 5.00% APY on checking, and personal loans from 9.49% APR, according to rates verified by MonitorBankRates. Other Commonwealth Credit Union Frankfort, KY CD rates include 60 Month CD at 4.50%, 48 Month CD at 4.45%, and 36 Month CD at 4.40%. MonitorBankRates evaluates the financial stability of Commonwealth Credit Union Frankfort, KY with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.31%. Rates last updated and verified on 10/10/2026.

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

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

5.31%

Excellent Lower than avg

Health Trend

Steady 6 quarters

Full history ›

Commonwealth Credit Union Frankfort, KY
High Street Branch

417 High St
Frankfort, KY 40601

https://www.ccuky.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.

Commonwealth Credit Union Frankfort, KY CD Rates

Product	Rate	APY	Term
Traditional Grow with Me 12-Month Certificate	5.128%	5.25%	12-Month
Min Deposit $250 Details This account is available only for members under 18 years of age.; Youth Products (Regular, Traditional IRA, and Roth IRA) Last Updated 10/10/2026 Rate History 1 change since Sep 30, 2026 · 5.15% → 5.25% ▲ 0.10 pts · high 5.25% / low 5.15% Oct 1, 20265.25%▲ from 5.15% Sep 30, 20265.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
60 Month Certificate	4.41%	4.50%	60 months
Min Deposit $500 Min Balance $500 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 4.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
48 Month Certificate	4.362%	4.45%	48 months
Min Deposit $500 Min Balance $500 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 4.45% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
36 Month Certificate	4.314%	4.40%	36 months
Min Deposit $500 Min Balance $500 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 4.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
15 month - New money only, not funds currently on deposit with Commonwealth Credit Union	4.266%	4.35%	15 months
Min Deposit $500 Min Balance $500 Details New money only, not funds currently on deposit with Commonwealth Credit Union Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 4.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
24 Month Certificate	4.266%	4.35%	24 months
Min Deposit $500 Min Balance $500 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 4.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
Traditional 12-month Jumbo Certificate	4.266%	4.35%	12 months
Min Deposit $75,000 Min Balance $75,000 Details Certificates (Regular, Traditional IRA, and Roth IRA) Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 4.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
18 Month Certificate	4.218%	4.30%	18 months
Min Deposit $500 Min Balance $500 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 4.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
12 Month Certificate	4.169%	4.25%	12 months
Min Deposit $500 Min Balance $500 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 4.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
6 month - New money only, not funds currently on deposit with Commonwealth Credit Union	4.169%	4.25%	6 months
Min Deposit $500 Min Balance $500 Details New money only, not funds currently on deposit with Commonwealth Credit Union Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 4.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
Traditional 6-month Jumbo Certificate	4.169%	4.25%	6 months
Min Deposit $75,000 Min Balance $75,000 Details Certificates (Regular, Traditional IRA, and Roth IRA) Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 4.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
9 Month Certificate	4.121%	4.20%	9 months
Min Deposit $500 Min Balance $500 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 4.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
6 Month Certificate	4.073%	4.15%	6 months
Min Deposit $500 Min Balance $500 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 4.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%

Commonwealth Credit Union Frankfort, KY Savings Rates

Product	Rate	APY
Minor Savings	0.15%	0.15%
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 0.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
Regular Savings	0.15%	0.15%
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 0.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
Vacation Club/Christmas Savings	0.15%	0.15%
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 0.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%

Commonwealth Credit Union Frankfort, KY Money Market Rates

Product	Rate	APY
Consumer Money Market Accounts	2.472%	2.50%
Min Balance $100,000 Details Balance: $100,000 and up Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 2.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
Consumer Money Market Accounts	2.227%	2.25%
Min Balance $50,000 Details Balance: $50,000 to $99,999.99 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 2.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
Consumer Money Market Accounts	2.08%	2.10%
Min Balance $25,000 Details Balance: $25,000 to $49,999.99 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 2.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
Consumer Money Market Accounts	1.933%	1.95%
Min Balance $10,000 Details Balance: $10,000 to $24,999.99 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 1.95% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
Consumer Money Market Accounts	1.785%	1.80%
Min Balance $2,500 Details Balance: $2,500 to $9,999.99 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 1.80% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%

Commonwealth Credit Union Frankfort, KY Business Money Market Rates

Product	Rate	APY
Business Money Market Account	3.203%	3.25%
Min Balance $100,000 Details Balance: $100,000 and up Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
Business Money Market Account	2.96%	3.00%
Min Balance $50,000 Details Balance: $50,000 to $99,999.99 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
Business Money Market Account	2.813%	2.85%
Min Balance $25,000 Details Balance: $25,000 to $49,999.99 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 2.85% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
Business Money Market Account	2.667%	2.70%
Min Balance $10,000 Details Balance: $10,000 to $24,999.99 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 2.70% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
Business Money Market Account	2.521%	2.55%
Min Balance $2,500 Details Balance: $2,500 to $9,999.99 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 2.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%

Commonwealth Credit Union Frankfort, KY Checking Rates

Product	Rate	APY
Round UP Checking	-	5.00%
Details Qualifications Required: Online Banking and eStatement are required.; Annual Percentage Yield. Rate effective as of January 1, 2025. For the first 90 days after you are enrolled in the program, the Credit Union will match 100% of the rounded-up transfers for a maximum of $250. After the first 90-day period, the Credit Union will match 5% of the rounded-up transfers, for a maximum cumulative contribution of $250 annually. The round up match will be paid at the end of the first 90 days. The 5% match will be paid annually on the first business day after your anniversary of account opening. Rates may change after the account is opened. Fees could reduce earnings on the account. Online Banking and eStatement are required. Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 5.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
Power Checking	-	3.00%
Min Balance $100,000 Details Qualifications Required: Tier 2 Qualifications Plus an Open Loan***; Balance: $100,000.00+ Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 3.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
Power Checking	-	2.75%
Min Balance $50,000 Details Qualifications Required: Tier 2 Qualifications Plus an Open Loan***; Balance: $50,000.00-$99,999.99 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 2.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
Power Checking	-	2.75%
Min Balance $100,000 Details Qualifications Required: Tier 1 Qualifications Plus 20 Debit Card Transactions; Balance: $100,000.00+ Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 2.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
Power Checking	-	2.60%
Min Balance $25,000 Details Qualifications Required: Tier 2 Qualifications Plus an Open Loan***; Balance: $25,000.00-$49,999.99 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 2.60% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
Power Checking	-	2.50%
Min Balance $50,000 Details Qualifications Required: Tier 1 Qualifications Plus 20 Debit Card Transactions; Balance: $50,000.00-$99,999.99 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 2.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
Power Checking	-	2.50%
Min Balance $100,000 Details Qualifications Required: Requires eStatements; Balance: $100,000.00+ Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 2.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
Power Checking	-	2.45%
Min Balance $10,000 Details Qualifications Required: Tier 2 Qualifications Plus an Open Loan***; Balance: $10,000.00-$24,999.99 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 2.45% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
Power Checking	-	2.35%
Min Balance $25,000 Details Qualifications Required: Tier 1 Qualifications Plus 20 Debit Card Transactions; Balance: $25,000.00-$49,999.99 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 2.35% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
Power Checking	-	2.30%
Min Balance $0 Details Qualifications Required: Tier 2 Qualifications Plus an Open Loan***; Balance: $0.00-$9,999.99 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 2.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
Power Checking	-	2.25%
Min Balance $50,000 Details Qualifications Required: Requires eStatements; Balance: $50,000.00-$99,999.99 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 2.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
Power Checking	-	2.20%
Min Balance $10,000 Details Qualifications Required: Tier 1 Qualifications Plus 20 Debit Card Transactions; Balance: $10,000.00-$24,999.99 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 2.20% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
Power Checking	-	2.10%
Min Balance $25,000 Details Qualifications Required: Requires eStatements; Balance: $25,000.00-$49,999.99 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 2.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
Power Checking	-	2.05%
Min Balance $0 Details Qualifications Required: Tier 1 Qualifications Plus 20 Debit Card Transactions; Balance: $0.00-$9,999.99 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 2.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
Power Checking	-	1.95%
Min Balance $10,000 Details Qualifications Required: Requires eStatements; Balance: $10,000.00-$24,999.99 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 1.95% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
Power Checking	-	1.80%
Min Balance $0 Details Qualifications Required: Requires eStatements; Balance: $0.00-$9,999.99 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 1.80% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
Power Checking	-	0.85%
Min Balance $100,000 Details Qualifications Required: Requires eStatements; Balance: $100,000.00+ Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 0.85% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
Power Checking	-	0.60%
Min Balance $50,000 Details Qualifications Required: Requires eStatements; Balance: $50,000.00-$99,999.99 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 0.60% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
Power Checking	-	0.45%
Min Balance $25,000 Details Qualifications Required: Requires eStatements; Balance: $25,000.00-$49,999.99 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 0.45% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
Power Checking	-	0.30%
Min Balance $10,000 Details Qualifications Required: Requires eStatements; Balance: $10,000.00-$24,999.99 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 0.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
Power Checking	-	0.15%
Min Balance $0 Details Qualifications Required: Requires eStatements; Balance: $0.00-$9,999.99 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 0.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
commonWEALTH Checking	0.10%	0.10%
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%

Commonwealth Credit Union Frankfort, KY Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto Loan	-	-	5.49%	1-48 months
Details Monthly Payment Example per $1,000 Borrowed: $23.26 based on a 48 month term Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 5.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
New Auto Loan	-	-	5.74%	49-63 months
Details Monthly Payment Example per $1,000 Borrowed: $18.43 based on a 63 month term Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 5.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
Used Auto Loans	-	-	5.74%	1-48 months
Details Monthly Payment Example per $1,000 Borrowed: $23.37 based on a 48 month term Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 5.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
New Auto Loan	-	-	6.24%	64-75 months
Details Monthly Payment Example per $1,000 Borrowed: $16.14 based on a 75 month term Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 6.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
Used Auto Loans	-	-	6.24%	49-63 months
Details Monthly Payment Example per $1,000 Borrowed: $18.66 based on a 63 month term Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 6.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
New Auto Loan	-	-	6.74%	76-84 months
Details Monthly Payment Example per $1,000 Borrowed: $14.97 based on a 84 month term Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 6.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
Used Auto Loans	-	-	6.74%	64-75 months
Details Monthly Payment Example per $1,000 Borrowed: $16.38 based on a 75 month term Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 6.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
Used Auto Loans	-	-	7.24%	76-84 months
Details Monthly Payment Example per $1,000 Borrowed: $15.21 based on a 84 month term Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 7.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%

Commonwealth Credit Union Frankfort, KY RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Recreational Loans (Boats, Campers, and RVs)	-	6.74%	1-63 months
Details Monthly Payment Example per $1,000 Borrowed: $18.89 based on a 63 month term Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 6.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
Recreational Loans (Boats, Campers, and RVs)	-	7.44%	64-120 months
Details Monthly Payment Example per $1,000 Borrowed: $11.84 based on a 120 month term Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 7.44% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
Adventure Loans (ATVs, UTVs, and Motorcycles)	-	7.49%	1-63 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 7.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
Recreational Loans (Boats, Campers, and RVs)	-	7.74%	121-180 months
Details Monthly Payment Example per $1,000 Borrowed: $9.41 based on a 180 month term Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 7.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
Adventure Loans (ATVs, UTVs, and Motorcycles)	-	7.99%	64-75 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 7.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
Adventure Loans (ATVs, UTVs, and Motorcycles)	-	9.29%	76-84 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 9.29% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%

Commonwealth Credit Union Frankfort, KY Personal Loan Rates

Product	APR	Term
Signature Cash Personal Loan	9.49%
Details As low as*; Rate is variable and subject to change based on market conditions and creditworthiness. See branch for details. Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 9.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
Personal Loans (Unsecured Loans)	11.49%	40 months
Details As Low As; Rates are as low as 11.49% APR, Non-Variable. The minimum loan amount is $250. Monthly payments are based on $30 for up to every $1,000 borrowed. Payment example for Signature Cash Personal Line of Credit: The term is estimated at 40 months based on an initial loan amount of $1,000, no additional loan advances completed, an APR of 11.49%, and a $30 monthly payment. This payment amount is an example. Payment example for Signature Cash Personal Loan: For a $2,500 loan for a 12 months with a 9.49% APR, the monthly payment will be $219.12. Payment example for Credit Builder Loan: For a $1,000 loan for a term of 12 months with a 3.15% APR, the monthly payment will be $84.76. Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 11.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
Signature Cash Personal Line of Credit	11.49%
Details As low as*; Rate is variable and subject to change based on market conditions and creditworthiness. See branch for details. Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 11.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%

Commonwealth Credit Union Frankfort, KY Other Rates

Product	Rate	Points	APY/APR
Commonwealth Business Account	-	-	5.00%
Min Balance $5,000 Details Annual Percentage Yield. The APY is variable and may change after account opening without notice. Commonwealth Business Account must maintain an average daily balance of $5,000 to earn dividends. Dividends are paid and compounded Monthly. Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 5.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
Personal Goal Account	0.499%	-	0.50%
Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 0.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%

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

Commonwealth Credit Union Frankfort, KY’s Texas Ratio rose from 3.35% in Q1 2025 to 5.31% in Q2 2026, so its financial health has held steady at a healthy level over the past 6 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	$2.9B	5.31%	5.0	A+
March 31, 2026	$2.8B	4.07%	5.0	A+
December 31, 2025	$2.7B	4.65%	5.0	A+
September 30, 2025	$2.7B	4.74%	5.0	A+
June 30, 2025	$2.6B	3.62%	5.0	A+
March 31, 2025	$2.6B	3.35%	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 Commonwealth Credit Union Frankfort, KY 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 Commonwealth Credit Union Frankfort, KY 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 Commonwealth Credit Union Frankfort, KY's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Commonwealth Credit Union Frankfort, KY

Website https://www.ccuky.org

Address 417 High St, Frankfort, KY 40601

Phone 502-564-4775

Fax

President Randy Fawns

CEO Karen Harbin

Full-Time Employees 374

Part-Time Employees 15

Branch Locations 18

ATM Locations 18

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

5.31%

Return on Assets (ROA)

0.7737%

Return on Equity (ROE)

6.8695%

Non-Performing Loans Ratio (NPL)

0.87%

Total Assets

2,917,913,092

Total Amount of Shares and Deposits

2,569,843,579

Total Shares and Deposits < 1 Year

2,470,156,523

Total Shares and Deposits 1 3 Years

63,774,784

Total Shares and Deposits > 3 Years

35,912,272

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

193,718,885

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

193,718,885

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

2,376,124,694

Total Interest Expense (Sum of items 6 8)

28,853,852

Share Certificates

31,886

Number of Accounts for Share Drafts

87,916

IRA KEOGH Accounts

4,683

Number of Accounts for Regular Shares

234,458

All other shares

1,757

Money Market Shares

4,815

Net Income (unless the amount is already included in Undivided Earnings)

22,576,547

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)

295,186,382

Total Liabilities

2,627,881,346

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Commonwealth Credit Union Frankfort, KY earned the Verified Healthy badge

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Frequently Asked Questions About Commonwealth Credit Union Frankfort, KY

How many branches does Commonwealth Credit Union Frankfort, KY operate?

Commonwealth Credit Union Frankfort, KY 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 Commonwealth Credit Union Frankfort, KY?

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

Does Commonwealth Credit Union Frankfort, KY offer online and mobile banking?

Most modern institutions like Commonwealth Credit Union Frankfort, KY 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.ccuky.org.

Current Commonwealth Credit Union Frankfort, KY Rates

12-Month CD4.25%
18-Month CD4.30%
24-Month CD4.35%
60-Month CD4.50%
Savings0.15%
MMA3.25%

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

Compare to Other Credit Unions

Commonwealth Credit Union Frankfort, KY Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

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Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Commonwealth Credit Union Frankfort, KY earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Commonwealth Credit Union Frankfort, KY

How many branches does Commonwealth Credit Union Frankfort, KY operate?

Is a member application needed to join Commonwealth Credit Union Frankfort, KY?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Commonwealth Credit Union Frankfort, KY offer online and mobile banking?

Current Commonwealth Credit Union Frankfort, KY Rates

Compare to Other Credit Unions