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Community Choice Credit Union Johnston, IA Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
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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.
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 19, 2026
Community Choice Credit Union Johnston, IA's savings rates are at 0.14%. Community Choice Credit Union Johnston, IA's money market rates are at 0.15%. Community Choice Credit Union Johnston, IA's Auto Loan Rates are as low as 3.92%. Community Choice Credit Union Johnston, IA's Credit Card Rates are at 17.74%. MonitorBankRates evaluates the financial stability of Community Choice Credit Union Johnston, IA with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.41%. Rates last updated and verified on 10/19/2026.
Community Choice Credit Union Johnston, IA 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 Community Choice Credit Union Johnston, IA? Share your experience about Community Choice Credit Union Johnston, IA by leaving a review below, or read customer reviews before you decide to use Community Choice Credit Union Johnston, IA.
Community Choice Credit Union Johnston, IA has earned an overall safety grade of A+ (Exceptional, Score: 98/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Community Choice Credit Union Johnston, IA has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
3.41%
ExcellentLower than avg
Community Choice Credit Union Johnston, IA Texas Ratio
Community Choice Credit Union Johnston, IA's Texas Ratio is 3.41%, which is considered excellent and is lower than the national average of 6.13%.
Community Choice Credit Union Johnston, IA has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
Community Choice Credit Union Johnston, IA Health Trend
1.78% to 3.41% over 12 quarters, very strongFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this credit union has stayed very strong since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
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.
Community Choice Credit Union Johnston, IA Savings Rates
Product
Rate
APY
View More
The Money Mammals Kids ClubTM
0.15%
0.15%
Min Deposit$5
Min Balance$0
DetailsBalance: $0 - $5,000
Last Updated10/19/2026
Rate History
No change since Sep 18, 2026 · 0.15% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.41%
The Money Mammals Kids ClubTM
0.15%
0.15%
Min Deposit$5
Min Balance$5,000
DetailsBalance: $5,000.01 - $10,000
Last Updated10/19/2026
Rate History
No change since Sep 18, 2026 · 0.15% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.41%
The Money Mammals Kids ClubTM
0.15%
0.15%
Min Deposit$5
Min Balance$10,000
DetailsBalance: $10,000.01 - $100,000
Last Updated10/19/2026
Rate History
No change since Sep 18, 2026 · 0.15% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.41%
The Money Mammals Kids ClubTM
0.15%
0.15%
Min Deposit$5
Min Balance$100,000
DetailsBalance: $100,000.01 +
Last Updated10/19/2026
Rate History
No change since Sep 18, 2026 · 0.15% APY · checked 6 times
DetailsAs Low As; Recreational vehicle rates reflect discount for automatic payments and direct deposit
Last Updated10/19/2026
Rate History
No change since Sep 14, 2026 · 8.40% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.41%
Vehicle Loan - 2015 & 2016
-
-
8.52%
1 - 48 months
DetailsAs Low As; Model Year: 2015 & 2016; Rate reflects .75% direct deposit and automatic payment discount
Last Updated10/19/2026
Rate History
No change since Oct 13, 2026 · 8.52% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.41%
Vehicle Loan - 2014 & Older
-
-
8.62%
1 - 48 months
DetailsAs Low As; Model Year: 2014 & Older; Rate reflects .75% direct deposit and automatic payment discount
Last Updated10/19/2026
Rate History
No change since Oct 13, 2026 · 8.62% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.41%
Vehicle Loan - 2015 & 2016
-
-
8.62%
49 - 60 months
DetailsAs Low As; Model Year: 2015 & 2016; Rate reflects .75% direct deposit and automatic payment discount
Last Updated10/19/2026
Rate History
No change since Oct 13, 2026 · 8.62% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.41%
Community Choice Credit Union Johnston, IA RV, Boat and Powersport Loan Rates
Product
Rate
APR
Term
View More
Recreational Vehicle - 2021 & Newer Loan
-
6.49%
Up to 60 months
DetailsAs Low As; Recreational Vehicles include ATVs, boats, jet skis, snow mobiles, and motorcycles that are titled; Rate reflects discount for automatic payments and direct deposit
Last Updated10/19/2026
Rate History
No change since Oct 13, 2026 · 6.49% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.41%
Recreational Vehicle - 2017 - 2020 Loan
-
6.99%
Up to 60 months
DetailsAs Low As; Recreational Vehicles include ATVs, boats, jet skis, snow mobiles, and motorcycles that are titled; Rate reflects discount for automatic payments and direct deposit
Last Updated10/19/2026
Rate History
No change since Oct 13, 2026 · 6.99% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.41%
Recreational Vehicle - 2021 & Newer Loan
-
6.99%
61 - 72 months
DetailsAs Low As; Recreational Vehicles include ATVs, boats, jet skis, snow mobiles, and motorcycles that are titled; Rate reflects discount for automatic payments and direct deposit
Last Updated10/19/2026
Rate History
No change since Oct 13, 2026 · 6.99% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.41%
Recreational Vehicle - 2021 & Newer Loan
-
7.74%
73 - 84 months
DetailsAs Low As; Recreational Vehicles include ATVs, boats, jet skis, snow mobiles, and motorcycles that are titled; Rate reflects discount for automatic payments and direct deposit
Last Updated10/19/2026
Rate History
No change since Oct 13, 2026 · 7.74% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.41%
Recreational Vehicle - 2016 & Older Loan
-
8.99%
Up to 60 months
DetailsAs Low As; Recreational Vehicles include ATVs, boats, jet skis, snow mobiles, and motorcycles that are titled; Rate reflects discount for automatic payments and direct deposit
Last Updated10/19/2026
Rate History
No change since Oct 13, 2026 · 8.99% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.41%
Community Choice Credit Union Johnston, IA Credit Card Rates
Product
Rate
APR
View More
Priority Plus Credit Card
-
17.74%
DetailsAs Low As; Introductory offer 0.00% APR on purchases and balance transfers for first 6 months from account opening; Regular APR range: 17.74% - 20.99%; rates as of 10/01/26 vary with WSJ Prime
Last Updated10/19/2026
Rate History
1 change since Sep 18, 2026 · 17.49% → 17.74% ▲ 0.25 pts · high 17.74% / low 17.49%
Oct 5, 202617.74%▲ from 17.49%
Sep 18, 202617.49%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.41%
UNLimited Cash Credit Card
-
17.74%
DetailsAs Low As; Introductory offer 0.00% APR on purchases and balance transfers for first 6 months from account opening; Regular APR range: 17.74% - 20.99%; rates as of 10/01/26 vary with WSJ Prime
Last Updated10/19/2026
Rate History
1 change since Sep 18, 2026 · 17.49% → 17.74% ▲ 0.25 pts · high 17.74% / low 17.49%
Oct 5, 202617.74%▲ from 17.49%
Sep 18, 202617.49%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.41%
Community Choice Credit Union Johnston, IA Other Rates
Product
Rate
Points
APY/APR
Term
View More
Anything/Happy/Lifestyle/Homestyle Loan
11.14%
-
11.39%
1 - 36 months
DetailsUnsecured; Rates reflect discount for automatic payments and direct deposit into a Community Choice checking account
Last Updated10/19/2026
Rate History
2 changes since Sep 14, 2026 · 11.39% → 11.39% ▼ 0.00 pts · high 11.39% / low 11.14%
Oct 1, 202611.39%▲ from 11.14%
Sep 22, 202611.14%▼ from 11.39%
Sep 14, 202611.39%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.41%
Anything/Happy/Lifestyle/Homestyle Loan
11.64%
-
11.89%
37 - 48 months
DetailsUnsecured; Rates reflect discount for automatic payments and direct deposit into a Community Choice checking account
Last Updated10/19/2026
Rate History
2 changes since Sep 14, 2026 · 11.89% → 11.89% ▼ 0.00 pts · high 11.89% / low 11.64%
Oct 1, 202611.89%▲ from 11.64%
Sep 22, 202611.64%▼ from 11.89%
Sep 14, 202611.89%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.41%
Anything/Happy/Lifestyle/Homestyle Loan
12.14%
-
12.39%
49 - 60 months
DetailsUnsecured; Rates reflect discount for automatic payments and direct deposit into a Community Choice checking account
Last Updated10/19/2026
Rate History
2 changes since Sep 14, 2026 · 12.39% → 12.39% ▼ 0.00 pts · high 12.39% / low 12.14%
Oct 1, 202612.39%▲ from 12.14%
Sep 22, 202612.14%▼ from 12.39%
Sep 14, 202612.39%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.41%
Anything/Happy/Lifestyle/Homestyle Loan
12.64%
-
12.89%
61 - 72 months
DetailsUnsecured; Rates reflect discount for automatic payments and direct deposit into a Community Choice checking account
Last Updated10/19/2026
Rate History
2 changes since Sep 14, 2026 · 12.89% → 12.89% ▼ 0.00 pts · high 12.89% / low 12.64%
Oct 1, 202612.89%▲ from 12.64%
Sep 22, 202612.64%▼ from 12.89%
Sep 14, 202612.89%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.41%
Anything/Happy/Lifestyle/Homestyle Loan
13.14%
-
13.39%
73 - 84 months
DetailsUnsecured; Rates reflect discount for automatic payments and direct deposit into a Community Choice checking account
Last Updated10/19/2026
Rate History
2 changes since Sep 14, 2026 · 13.39% → 13.39% ▼ 0.00 pts · high 13.39% / low 13.14%
Oct 1, 202613.39%▲ from 13.14%
Sep 22, 202613.14%▼ from 13.39%
Sep 14, 202613.39%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.41%
Anything/Happy/Lifestyle/Homestyle Loan
13.64%
-
13.89%
85 - 96 months
DetailsUnsecured; Rates reflect discount for automatic payments and direct deposit into a Community Choice checking account
Last Updated10/19/2026
Rate History
2 changes since Sep 14, 2026 · 13.89% → 13.89% ▼ 0.00 pts · high 13.89% / low 13.64%
Oct 1, 202613.89%▲ from 13.64%
Sep 22, 202613.64%▼ from 13.89%
Sep 14, 202613.89%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.41%
Smart Credit Loan
-
-
17.74%
DetailsAs Low As; Regular APR range: 17.74% - 20.99%; rates as of 10/01/26 vary with WSJ Prime
Last Updated10/19/2026
Rate History
1 change since Sep 14, 2026 · 15.49% → 17.74% ▲ 2.25 pts · high 17.74% / low 15.49%
Oct 9, 202617.74%▲ from 15.49%
Sep 14, 202615.49%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.41%
IRA Accounts
0.20%
-
0.20%
Min Deposit$25
Min Balance$0
DetailsBalance: All
Last Updated10/19/2026
Rate History
No change since Sep 18, 2026 · 0.20% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.41%
Financial Health History
Community Choice Credit Union Johnston, IA’s Texas Ratio rose from 1.78% in Q3 2023 to 3.41% 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
$923M
3.41%
5.0
A+
March 31, 2026
$919M
2.92%
5.0
A+
December 31, 2025
$903M
3.59%
5.0
A+
September 30, 2025
$865M
2.96%
5.0
A+
June 30, 2025
$870M
3.44%
5.0
A+
March 31, 2025
$812M
3.09%
5.0
A+
December 31, 2024
$810M
3.66%
5.0
A+
September 30, 2024
$791M
2.97%
5.0
A+
June 30, 2024
$800M
3.15%
5.0
A+
March 31, 2024
$806M
2.30%
5.0
A+
December 31, 2023
$806M
3.06%
5.0
A+
September 30, 2023
$797M
1.78%
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 Community Choice Credit Union Johnston, IA 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 Community Choice Credit Union Johnston, IA 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 Community Choice Credit Union Johnston, IA's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union NameCommunity Choice Credit Union Johnston, IA
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
37,023,532
Total Uninsured Shares and Deposits > $250K (F+J)
37,023,532
Total Insured Shares and Deposits > $250K (item 17 less item K)
746,525,887
Total Interest Expense (Sum of items 6 8)
4,947,099
Share Certificates
2,637
Number of Accounts for Share Drafts
36,788
IRA KEOGH Accounts
794
Number of Accounts for Regular Shares
62,113
All other shares
1,474
Non Member Deposits
2
Money Market Shares
2,673
Net Income (unless the amount is already included in Undivided Earnings)
7,053,628
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)
49,899,522
Total Liabilities
805,463,020
Source: NCUA — Last Updated 06/30/2026
2026 MBR Health & Safety Badge
Community Choice Credit Union Johnston, IA earned the Verified Healthy badge
Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.
Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.
Learn more about the MBR Health & Safety Badge program on our methodology page.
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Frequently Asked Questions About Community Choice Credit Union Johnston, IA
What is the highest savings rate at Community Choice Credit Union Johnston, IA?
The highest savings rate MonitorBankRates has verified for Community Choice Credit Union Johnston, IA is 0.14% APY on its Primary Savings, as of October 19, 2026.
What is the lowest auto loan rate at Community Choice Credit Union Johnston, IA?
The lowest auto loan rate MonitorBankRates has verified for Community Choice Credit Union Johnston, IA is 3.92% APR on its Vehicle Loan - 2025 & Newer, as of October 19, 2026.
What is the lowest credit card APR at Community Choice Credit Union Johnston, IA?
The lowest credit card rate MonitorBankRates has verified for Community Choice Credit Union Johnston, IA is 17.74% APR on its Priority Plus Credit Card, as of October 19, 2026.
How many branches does Community Choice Credit Union Johnston, IA operate?
Community Choice Credit Union Johnston, IA 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 Community Choice Credit Union Johnston, IA?
Yes, to access services at Community Choice Credit Union Johnston, IA, 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, Community Choice Credit Union Johnston, IA 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, Community Choice Credit Union Johnston, IA provides members with tools to manage their accounts and build a solid financial history.
Does Community Choice Credit Union Johnston, IA offer online and mobile banking?
Most modern institutions like Community Choice Credit Union Johnston, IA 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://comchoicecu.org.
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 Community Choice Credit Union Johnston, IA rates compare?
Community Choice Credit Union Johnston, IA's top rates are 0.14% APY on savings, 0.15% APY on money market, auto loans from 3.92% APR and credit cards from 17.74% APR, verified by MonitorBankRates on October 19, 2026. To compare Community Choice Credit Union Johnston, IA with the top rates nationwide, see our best savings rates, best money market rates, best auto loan rates and best credit card rates, updated daily from banks and credit unions across the country.
Current Community Choice Credit Union Johnston, IA Rates
Savings0.14%
MMA0.15%
Retrieved from our database of financial products. Rates subject to change.