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 Connects Federal Credit Union Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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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 12, 2026
Connects Federal Credit Union's top rates as of October 12, 2026 are 2.62% APY on its 3 Year IRA CD, 3.81% APY on money market accounts, personal loans from 9.99% APR, and credit cards from 10.99% APR, according to rates verified by MonitorBankRates. Other Connects Federal Credit Union CD rates include 3 Year CD at 2.62%, 2 Year IRA CD at 2.12%, and 2 Year CD at 2.12%. MonitorBankRates evaluates the financial stability of Connects Federal Credit Union with a 2.8 Star Rating, an D Overall Health Grade, and a Texas Ratio of 21.58%. Rates last updated and verified on 10/12/2026. Connects Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Connects Federal Credit Union? Share your experience about Connects Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Connects Federal Credit Union. 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. Connects Federal Credit Union CD Rates
Connects Federal Credit Union Savings Rates
Connects Federal Credit Union Money Market Rates
Connects Federal Credit Union Home Equity & HELOC
Connects Federal Credit Union Auto Loan Rates
Connects Federal Credit Union RV, Boat and Powersport Loan Rates
Connects Federal Credit Union Credit Card Rates
Connects Federal Credit Union Personal Loan Rates
Connects Federal Credit Union Other Rates
Financial Health HistoryConnects Federal Credit Union’s Texas Ratio rose from 3.68% in Q3 2023 to 21.58% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 2.8 and its Health Grade from A+ to D. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Connects Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Connects Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Connects Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Connects Federal Credit Union
Website
https://www.connectsfcu.org
Address
7700 Shrader Rd,
Richmond, VA 23228
Phone
804-756-5000
Fax
804-756-5040
President
Daniel VanDervort
CEO
Karen Griscom
Full-Time Employees
16
Part-Time Employees
2
Branch Locations
3
ATM Locations
3
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
2.8 / 5.0 ★
Overall Health & Safety Grade
D (67/100)
Texas Ratio
21.58%
Return on Assets (ROA)
-0.8513%
Return on Equity (ROE)
-15.8964%
Non-Performing Loans Ratio (NPL)
1.85%
Total Assets
98,053,230
Total Amount of Shares and Deposits
91,359,435
Total Shares and Deposits < 1 Year
89,606,067
Total Shares and Deposits 1 3 Years
1,753,368
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
2,827,286
Total Uninsured Shares and Deposits > $250K (F+J)
2,827,286
Total Insured Shares and Deposits > $250K (item 17 less item K)
88,532,149
Total Interest Expense (Sum of items 6 8)
720,518
Share Certificates
414
Number of Accounts for Share Drafts
3,732
IRA KEOGH Accounts
287
Number of Accounts for Regular Shares
16,250
All other shares
618
Non Member Deposits
2
Money Market Shares
252
Net Income (unless the amount is already included in Undivided Earnings)
-834,736
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Undercapitalized
Net Worth Classification if credit union is a new credit union
Moderately Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
1,617,632
Total Liabilities
93,381,870
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
There are no reviews for Connects Federal Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Connects Federal Credit Union
Frequently Asked Questions About Connects Federal Credit UnionHow many branches does Connects Federal Credit Union operate?Connects Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Connects Federal Credit Union?Yes, to access services at Connects Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Connects Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Connects Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Connects Federal Credit Union offer online and mobile banking?Most modern institutions like Connects Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.connectsfcu.org. Current Connects Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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