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Coosa Pines Federal Credit Union 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 23, 2026
Coosa Pines Federal Credit Union's CD - 8 Month Special rates are at 4.00%, CD - 12 Month rates are at 3.75%, CD - 6 Month rates are at 3.50%, CD - 24 Month rates are at 3.00%, CD - 36 Month rates are at 2.75%. Coosa Pines Federal Credit Union's savings rates are at 0.55%. Coosa Pines Federal Credit Union's money market rates are at 3.00%. Coosa Pines Federal Credit Union's checking rates are as high as 0.10%. Coosa Pines Federal Credit Union's 5/15 ARM (Adjustable Rate Mortgage) 1st Mortgage - A+ Rated Credit rates are at 4.50%, 5/15 ARM 1st Mortgage rates are at 4.50%, 5/30 ARM (Adjustable Rate Mortgage) - 1st Mortgage Only rates are at 4.60%, 5/30 ARM 1st Mortgage - A+ Rated Credit rates are at 4.60%, 5/15 ARM (Adjustable Rate Mortgage) 1st Mortgage - A Rated Credit rates are at 4.80%. Coosa Pines Federal Credit Union's RV, Boat and Powersport Loan Rates are as low as 7.50%. Coosa Pines Federal Credit Union's Credit Card Rates are at 9.95%. MonitorBankRates evaluates the financial stability of Coosa Pines Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.16%. Rates last updated and verified on 10/23/2026.
Coosa Pines 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 Coosa Pines Federal Credit Union? Share your experience about Coosa Pines Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Coosa Pines Federal Credit Union.
Coosa Pines Federal Credit Union 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
Coosa Pines Federal Credit Union 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
?
3.16%
ExcellentLower than avg
Coosa Pines Federal Credit Union Texas Ratio
Coosa Pines Federal Credit Union's Texas Ratio is 3.16%, which is considered excellent and is lower than the national average of 6.13%.
Coosa Pines Federal Credit Union 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.
3.41% to 3.16% 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.
Coosa Pines Federal Credit Union CD Rates
Product
Rate
APY
Term
View More
Share Certificate - 8 Month Special
-
4.00%
8 months
Min Deposit$500
Min Balance$500
DetailsMinimum deposit to open certificate $500.00, which is the minimum balance to earn the stated rate; Early withdrawal penalties may apply
Last Updated10/23/2026
Rate History
No change since Oct 12, 2026 · 4.00% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.16%
Share Certificate - 12 Month
-
3.75%
12 months
Min Deposit$500
Min Balance$500
DetailsMinimum deposit to open certificate $500.00, which is the minimum balance to earn the stated rate; Early withdrawal penalties may apply
Last Updated10/23/2026
Rate History
No change since Sep 25, 2026 · 3.75% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.16%
Share Certificate - 6 Month
-
3.50%
6 months
Min Deposit$500
Min Balance$500
DetailsMinimum deposit to open certificate $500.00, which is the minimum balance to earn the stated rate; Early withdrawal penalties may apply
Last Updated10/23/2026
Rate History
No change since Sep 25, 2026 · 3.50% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.16%
Share Certificate - 24 Month
-
3.00%
24 months
Min Deposit$500
Min Balance$500
DetailsBump-Up option available on new certificates with 24 months or greater terms; Minimum deposit to open certificate $500.00, which is the minimum balance to earn the stated rate; Early withdrawal penalties may apply
Last Updated10/23/2026
Rate History
No change since Sep 25, 2026 · 3.00% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.16%
Share Certificate - 36 Month
-
2.75%
36 months
Min Deposit$500
Min Balance$500
DetailsBump-Up option available on new certificates with 24 months or greater terms; Minimum deposit to open certificate $500.00, which is the minimum balance to earn the stated rate; Early withdrawal penalties may apply
Last Updated10/23/2026
Rate History
No change since Sep 25, 2026 · 2.75% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.16%
Share Certificate - 48 Month
-
2.75%
48 months
Min Deposit$500
Min Balance$500
DetailsBump-Up option available on new certificates with 24 months or greater terms; Minimum deposit to open certificate $500.00, which is the minimum balance to earn the stated rate; Early withdrawal penalties may apply
Last Updated10/23/2026
Rate History
No change since Sep 25, 2026 · 2.75% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.16%
Share Certificate - 60 Month
-
2.75%
60 months
Min Deposit$500
Min Balance$500
DetailsBump-Up option available on new certificates with 24 months or greater terms; Minimum deposit to open certificate $500.00, which is the minimum balance to earn the stated rate; Early withdrawal penalties may apply
Last Updated10/23/2026
Rate History
No change since Sep 25, 2026 · 2.75% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.16%
Coosa Pines Federal Credit Union Savings Rates
Product
Rate
APY
View More
Money Market Share Account
-
3.00%
Min Deposit$2,500
Min Balance$0
DetailsBalance: $0.00 - $2,499.00; Tier: First
Last Updated10/23/2026
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.16%
Money Market Share Account
-
3.00%
Min Deposit$2,500
Min Balance$2,499
DetailsBalance: $2,499.01 - $24,999.00; Tier: Second
Last Updated10/23/2026
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.16%
Money Market Share Account
-
3.00%
Min Deposit$2,500
Min Balance$24,999
DetailsBalance: $24,999.01 - $99,999.00; Tier: Third
Last Updated10/23/2026
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 7 times
DetailsMax LTV: <=80%; Primary Dwelling or Second Home; Rate fixed for first five years, adjusts annually beginning on 5th anniversary; 2% max annual adjustment; 6% lifetime cap; 1% origination fee, actual closing costs and appraisal fee may apply
Last Updated10/23/2026
Rate History
No change since Oct 23, 2026 · 5.42% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.16%
5/15 ARM 1st Mortgage
4.50%
-
5.42%
DetailsA+ Rated Credit; Max LTV: <=80%; Rate fixed first 5 years, adjusts annually after; 2% max annual adjustment; 6% lifetime cap; Primary Dwelling or Second Home
DetailsMax LTV: 90%; Primary Dwelling or Second Home; Rate fixed for first five years, adjusts annually beginning on 5th anniversary; 2% max annual adjustment; 6% lifetime cap; 1% origination fee, actual closing costs and appraisal fee may apply
Last Updated10/23/2026
Rate History
No change since Oct 23, 2026 · 5.51% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.16%
5/15 ARM 1st Mortgage
4.65%
-
5.51%
DetailsA+ Rated Credit; Max LTV: 90%; Rate fixed first 5 years, adjusts annually after; 2% max annual adjustment; 6% lifetime cap; Primary Dwelling or Second Home
Last Updated10/23/2026
Rate History
No change since Oct 23, 2026 · 5.51% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.16%
5/30 ARM (Adjustable Rate Mortgage) - 1st Mortgage Only
4.60%
-
5.52%
DetailsMax LTV: <=80%; Credit Category: A+ Rated Credit; Primary Dwelling Only; Rate fixed for first five years, adjusts annually beginning on 5th anniversary date; 2% max annual adjustment; 6% lifetime cap; 1% origination fee, closing costs, and appraisal fee may apply; Survey if applicable; Rates based on individual creditworthiness
Last Updated10/23/2026
Rate History
No change since Oct 23, 2026 · 5.52% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.16%
5/30 ARM 1st Mortgage - A+ Rated Credit
4.60%
-
5.52%
DetailsMax LTV: <=80%; Primary Dwelling Only; Rate fixed for first 5 years, adjusts annually beginning on 5th anniversary; 2% max annual adjustment; 6% lifetime cap; 1% origination fee, closing costs and appraisal fee may apply
Last Updated10/23/2026
Rate History
No change since Oct 23, 2026 · 5.52% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.16%
5/15 ARM (Adjustable Rate Mortgage) 1st Mortgage - A Rated Credit
4.80%
-
5.60%
DetailsMax LTV: 90%; Primary Dwelling or Second Home; Rate fixed for first five years, adjusts annually beginning on 5th anniversary; 2% max annual adjustment; 6% lifetime cap; 1% origination fee, actual closing costs and appraisal fee may apply
Last Updated10/23/2026
Rate History
No change since Oct 23, 2026 · 5.60% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.16%
5/15 ARM 1st Mortgage
4.80%
-
5.60%
DetailsA Rated Credit; Max LTV: 90%; Rate fixed first 5 years, adjusts annually after; 2% max annual adjustment; 6% lifetime cap; Primary Dwelling or Second Home
Last Updated10/23/2026
Rate History
No change since Oct 23, 2026 · 5.60% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.16%
5/30 ARM (Adjustable Rate Mortgage) - 1st Mortgage Only
4.75%
-
5.61%
DetailsMax LTV: 90%; Credit Category: A+ Rated Credit; Primary Dwelling Only; Rate fixed for first five years, adjusts annually beginning on 5th anniversary date; 2% max annual adjustment; 6% lifetime cap; 1% origination fee, closing costs, and appraisal fee may apply; Survey if applicable; Rates based on individual creditworthiness
Last Updated10/23/2026
Rate History
No change since Oct 23, 2026 · 5.61% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.16%
5/30 ARM 1st Mortgage - A+ Rated Credit
4.75%
-
5.61%
DetailsMax LTV: 90%; Primary Dwelling Only; Rate fixed for first 5 years, adjusts annually beginning on 5th anniversary; 2% max annual adjustment; 6% lifetime cap; 1% origination fee, closing costs and appraisal fee may apply
Last Updated10/23/2026
Rate History
No change since Oct 23, 2026 · 5.61% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.16%
5/30 ARM (Adjustable Rate Mortgage) - 1st Mortgage Only
4.90%
-
5.70%
DetailsMax LTV: 90%; Credit Category: A Rated Credit; Primary Dwelling Only; Rate fixed for first five years, adjusts annually beginning on 5th anniversary date; 2% max annual adjustment; 6% lifetime cap; 1% origination fee, closing costs, and appraisal fee may apply; Survey if applicable; Rates based on individual creditworthiness
Last Updated10/23/2026
Rate History
No change since Oct 23, 2026 · 5.70% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.16%
5/30 ARM 1st Mortgage - A Rated Credit
4.90%
-
5.70%
DetailsMax LTV: 90%; Primary Dwelling Only; Rate fixed for first 5 years, adjusts annually beginning on 5th anniversary; 2% max annual adjustment; 6% lifetime cap; 1% origination fee, closing costs and appraisal fee may apply
Last Updated10/23/2026
Rate History
No change since Oct 23, 2026 · 5.70% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.16%
15-Year Fixed Rate Mortgage
5.60%
-
5.87%
15 years
Details1st Mortgage Only; A+ Rated Credit; Max LTV: <=90%; Primary Dwelling or Second Home; 1% Origination Fee, Actual Closing Costs; Survey and Appraisal Fee May Apply
Last Updated10/23/2026
Rate History
1 change since Sep 17, 2026 · 7.23% → 5.87% ▼ 1.36 pts · high 7.23% / low 5.87%
Oct 15, 20265.87%▼ from 7.23%
Sep 17, 20267.23%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.16%
5/15 ARM (Adjustable Rate Mortgage) 1st Mortgage - B Rated Credit
5.40%
-
5.96%
DetailsMax LTV: 80%; Primary Dwelling or Second Home; Rate fixed for first five years, adjusts annually beginning on 5th anniversary; 2% max annual adjustment; 6% lifetime cap; 1% origination fee, actual closing costs and appraisal fee may apply
Last Updated10/23/2026
Rate History
No change since Oct 23, 2026 · 5.96% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.16%
5/15 ARM 1st Mortgage
5.40%
-
5.96%
DetailsB Rated Credit; Max LTV: 80%; Rate fixed first 5 years, adjusts annually after; 2% max annual adjustment; 6% lifetime cap; Primary Dwelling or Second Home
Last Updated10/23/2026
Rate History
No change since Oct 23, 2026 · 5.96% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.16%
5/30 ARM (Adjustable Rate Mortgage) - 1st Mortgage Only
5.50%
-
6.06%
DetailsMax LTV: 80%; Credit Category: B Rated Credit; Primary Dwelling Only; Rate fixed for first five years, adjusts annually beginning on 5th anniversary date; 2% max annual adjustment; 6% lifetime cap; 1% origination fee, closing costs, and appraisal fee may apply; Survey if applicable; Rates based on individual creditworthiness
Last Updated10/23/2026
Rate History
No change since Oct 23, 2026 · 6.06% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.16%
5/30 ARM 1st Mortgage - B Rated Credit
5.50%
-
6.06%
DetailsMax LTV: 80%; Primary Dwelling Only; Rate fixed for first 5 years, adjusts annually beginning on 5th anniversary; 2% max annual adjustment; 6% lifetime cap; 1% origination fee, closing costs and appraisal fee may apply
Last Updated10/23/2026
Rate History
No change since Oct 23, 2026 · 6.06% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.16%
5/15 ARM (Adjustable Rate Mortgage) 1st Mortgage - C Rated Credit
5.90%
-
6.26%
DetailsMax LTV: 70%; Primary Dwelling or Second Home; Rate fixed for first five years, adjusts annually beginning on 5th anniversary; 2% max annual adjustment; 6% lifetime cap; 1% origination fee, actual closing costs and appraisal fee may apply
Last Updated10/23/2026
Rate History
No change since Oct 23, 2026 · 6.26% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.16%
5/15 ARM 1st Mortgage
5.90%
-
6.26%
DetailsC Rated Credit; Max LTV: 70%; Rate fixed first 5 years, adjusts annually after; 2% max annual adjustment; 6% lifetime cap; Primary Dwelling or Second Home
Last Updated10/23/2026
Rate History
No change since Oct 23, 2026 · 6.26% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.16%
5/30 ARM (Adjustable Rate Mortgage) - 1st Mortgage Only
6.00%
-
6.36%
DetailsMax LTV: 70%; Credit Category: C Rated Credit; Primary Dwelling Only; Rate fixed for first five years, adjusts annually beginning on 5th anniversary date; 2% max annual adjustment; 6% lifetime cap; 1% origination fee, closing costs, and appraisal fee may apply; Survey if applicable; Rates based on individual creditworthiness
Last Updated10/23/2026
Rate History
No change since Oct 23, 2026 · 6.36% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.16%
5/30 ARM 1st Mortgage - C Rated Credit
6.00%
-
6.36%
DetailsMax LTV: 70%; Primary Dwelling Only; Rate fixed for first 5 years, adjusts annually beginning on 5th anniversary; 2% max annual adjustment; 6% lifetime cap; 1% origination fee, closing costs and appraisal fee may apply
Last Updated10/23/2026
Rate History
No change since Oct 23, 2026 · 6.36% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.16%
15-Year Fixed Rate Mortgage
6.30%
-
6.58%
15 years
Details1st Mortgage Only; B Rated Credit; Max LTV: <=80%; Primary Dwelling or Second Home; 1% Origination Fee, Actual Closing Costs; Survey and Appraisal Fee May Apply
Last Updated10/23/2026
Rate History
1 change since Sep 17, 2026 · 7.23% → 6.58% ▼ 0.65 pts · high 7.23% / low 6.58%
Oct 15, 20266.58%▼ from 7.23%
Sep 17, 20267.23%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.16%
15-Year Fixed Rate Mortgage
6.95%
-
7.23%
15 years
Details1st Mortgage Only; C Rated Credit; Max LTV: <=75%; Primary Dwelling or Second Home; 1% Origination Fee, Actual Closing Costs; Survey and Appraisal Fee May Apply
Last Updated10/23/2026
Rate History
No change since Sep 17, 2026 · 7.23% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.16%
Coosa Pines Federal Credit Union Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
Prime Plus Home Equity Line of Credit (HELOC)
6.50%
-
6.50%
DetailsCredit Grade: A+ Rated Credit; Max LTV: 90%; 1st or 2nd Mortgage; Primary Dwelling Only; Adjustable rate based on WSJ Prime Lending Rate; 2% Max Annual Adjustment; 6% Lifetime CAP; Payments based on 1.5% of outstanding balance; Interest-only payments available for A and A+ tiers; Loan amount $10,000 and up; Minimum initial draw $3,000; 1% origination fee, actual closing costs and appraisal fee may apply
Last Updated10/23/2026
Rate History
No change since Oct 23, 2026 · 6.50% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.16%
Prime Plus Mini-Home Equity Line of Credit - A+ Rated Credit
6.50%
-
6.50%
DetailsMax LTV: 90%; 1st or 2nd Mortgage; Primary Dwelling Only; Adjustable rate based on WSJ Prime Lending Rate; 2% Max Annual Adjustment; 6% Lifetime CAP; Payments based on 1.5% of outstanding balance; Interest-only payments available; Minimum loan $10,000; Maximum loan $50,000; Minimum initial draw $10,000; No origination fee or closing costs
Last Updated10/23/2026
Rate History
No change since Oct 12, 2026 · 6.50% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.16%
PrimePlus Home Equity Line of Credit (HELOC) - A+ Rated Credit
6.50%
-
6.50%
Details1st or 2nd Mortgage; Max LTV: 90%; Adjustable rate based on Prime Lending Rate as published in WSJ; 2% max annual adjustment; 6% lifetime cap; Interest-only payments available; Minimum loan $10,000; Maximum loan $50,000; Minimum initial draw $10,000; Primary dwelling only
Last Updated10/23/2026
Rate History
No change since Oct 23, 2026 · 6.50% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.16%
Prime Plus Home Equity Line of Credit (HELOC)
9.50%
-
9.50%
DetailsCredit Grade: B Rated Credit; Max LTV: 85%; 1st or 2nd Mortgage; Primary Dwelling Only; Adjustable rate based on WSJ Prime Lending Rate; 2% Max Annual Adjustment; 6% Lifetime CAP; Payments based on 1.5% of outstanding balance; Interest-only payments available for A and A+ tiers; Loan amount $10,000 and up; Minimum initial draw $3,000; 1% origination fee, actual closing costs and appraisal fee may apply
Last Updated10/23/2026
Rate History
No change since Oct 23, 2026 · 9.50% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.16%
Prime Plus Mini-Home Equity Line of Credit - B Rated Credit
9.50%
-
9.50%
DetailsMax LTV: 85%; 1st or 2nd Mortgage; Primary Dwelling Only; Adjustable rate based on WSJ Prime Lending Rate; 2% Max Annual Adjustment; 6% Lifetime CAP; Payments based on 1.5% of outstanding balance; Minimum loan $10,000; Maximum loan $50,000; Minimum initial draw $10,000; No origination fee or closing costs
Last Updated10/23/2026
Rate History
No change since Oct 12, 2026 · 9.50% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.16%
PrimePlus Home Equity Line of Credit (HELOC) - B Rated Credit
9.50%
-
9.50%
Details1st or 2nd Mortgage; Max LTV: 85%; Adjustable rate based on Prime Lending Rate as published in WSJ; 2% max annual adjustment; 6% lifetime cap; Minimum loan $10,000; Maximum loan $50,000; Minimum initial draw $10,000; Primary dwelling only
Last Updated10/23/2026
Rate History
No change since Oct 23, 2026 · 9.50% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.16%
Prime Plus Home Equity Line of Credit (HELOC)
12.50%
-
12.50%
DetailsCredit Grade: C Rated Credit; Max LTV: 80%; 1st or 2nd Mortgage; Primary Dwelling Only; Adjustable rate based on WSJ Prime Lending Rate; 2% Max Annual Adjustment; 6% Lifetime CAP; Payments based on 1.5% of outstanding balance; Interest-only payments available for A and A+ tiers; Loan amount $10,000 and up; Minimum initial draw $3,000; 1% origination fee, actual closing costs and appraisal fee may apply
Last Updated10/23/2026
Rate History
No change since Oct 23, 2026 · 12.50% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.16%
Prime Plus Mini-Home Equity Line of Credit - C Rated Credit
12.50%
-
12.50%
DetailsMax LTV: 80%; 1st or 2nd Mortgage; Primary Dwelling Only; Adjustable rate based on WSJ Prime Lending Rate; 2% Max Annual Adjustment; 6% Lifetime CAP; Payments based on 1.5% of outstanding balance; Minimum loan $10,000; Maximum loan $50,000; Minimum initial draw $10,000; No origination fee or closing costs
Last Updated10/23/2026
Rate History
No change since Oct 12, 2026 · 12.50% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.16%
PrimePlus Home Equity Line of Credit (HELOC) - C Rated Credit
12.50%
-
12.50%
Details1st or 2nd Mortgage; Max LTV: 80%; Adjustable rate based on Prime Lending Rate as published in WSJ; 2% max annual adjustment; 6% lifetime cap; Minimum loan $10,000; Maximum loan $50,000; Minimum initial draw $10,000; Primary dwelling only
Last Updated10/23/2026
Rate History
No change since Oct 23, 2026 · 12.50% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.16%
Coosa Pines Federal Credit Union Auto Loan Rates
Product
Rate
Points
APR
Term
View More
New & Used Auto Loans - 2026, 2025, 2024 (Mileage less than 30k)
-
-
4.60%
to 51 months
DetailsAs Low As; Effective Date: October 22, 2026; APR based on creditworthiness, type and year model of vehicle
Last Updated10/23/2026
Rate History
No change since Oct 12, 2026 · 4.60% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.16%
New & Used Auto Loans - 2023-2018
-
-
4.70%
to 51 months
DetailsAs Low As; Effective Date: October 22, 2026; APR based on creditworthiness, type and year model of vehicle
Last Updated10/23/2026
Rate History
No change since Oct 12, 2026 · 4.70% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.16%
New & Used Auto Loans - 2026, 2025, 2024 (Mileage less than 30k)
-
-
4.70%
to 63 months
DetailsAs Low As; Effective Date: October 22, 2026; APR based on creditworthiness, type and year model of vehicle
Last Updated10/23/2026
Rate History
No change since Oct 12, 2026 · 4.70% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.16%
New & Used Auto Loans - 2023-2018
-
-
4.80%
to 63 months
DetailsAs Low As; Effective Date: October 22, 2026; APR based on creditworthiness, type and year model of vehicle
Last Updated10/23/2026
Rate History
No change since Oct 12, 2026 · 4.80% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.16%
New & Used Auto Loans - 2026, 2025, 2024 (Mileage less than 30k)
-
-
5.20%
to 75 months
DetailsAs Low As; Effective Date: October 22, 2026; APR based on creditworthiness, type and year model of vehicle; Certain term and rate restrictions apply
Last Updated10/23/2026
Rate History
No change since Oct 12, 2026 · 5.20% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.16%
New & Used Auto Loans - 2023-2018
-
-
5.60%
to 75 months
DetailsAs Low As; Effective Date: October 22, 2026; APR based on creditworthiness, type and year model of vehicle; Certain term and rate restrictions apply
Last Updated10/23/2026
Rate History
No change since Oct 12, 2026 · 5.60% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.16%
New & Used Auto Loans - 2026, 2025, 2024 (Mileage less than 30k)
-
-
6.20%
to 84 months
DetailsAs Low As; Effective Date: October 22, 2026; APR based on creditworthiness, type and year model of vehicle; Certain term and rate restrictions apply
Last Updated10/23/2026
Rate History
No change since Oct 12, 2026 · 6.20% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.16%
New & Used Auto Loans - 2023-2018
-
-
6.40%
to 84 months
DetailsAs Low As; Effective Date: October 22, 2026; APR based on creditworthiness, type and year model of vehicle; Certain term and rate restrictions apply
Last Updated10/23/2026
Rate History
No change since Oct 12, 2026 · 6.40% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.16%
New & Used Auto Loans - Models 2017-2007
-
-
7.10%
to 63 months
DetailsAs Low As; Effective Date: October 22, 2026; APR based on creditworthiness, type and year model of vehicle
Last Updated10/23/2026
Rate History
No change since Oct 12, 2026 · 7.10% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.16%
New & Used Auto Loans - Models 2006 & Older and Antique
-
-
7.40%
to 48 months
DetailsAs Low As; Effective Date: October 22, 2026; APR based on creditworthiness, type and year model of vehicle
Last Updated10/23/2026
Rate History
No change since Oct 12, 2026 · 7.40% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.16%
Coosa Pines Federal Credit Union RV, Boat and Powersport Loan Rates
Product
Rate
APR
Term
View More
Motor Homes, Travel Trailers, Boats, Farm Tractors, and Farm Equipment - 2026, 2025 Or Newer
-
6.25%
to 60 months
DetailsAs Low As; Model year: 2026, 2025 Or Newer; APR based on creditworthiness, type and year model of recreational vehicle
Last Updated10/23/2026
Rate History
No change since Sep 18, 2026 · 6.25% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.16%
Motor Homes, Travel Trailers, Boats, Farm Tractors, and Farm Equipment - Used to 2018
-
6.25%
to 60 months
DetailsAs Low As; Model year: Used to 2018; APR based on creditworthiness, type and year model of recreational vehicle
Last Updated10/23/2026
Rate History
No change since Sep 18, 2026 · 6.25% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.16%
Motor Homes, Travel Trailers, Boats, Farm Tractors, and Farm Equipment - 2026, 2025 Or Newer
-
6.50%
to 72 months
DetailsAs Low As; Model year: 2026, 2025 Or Newer; APR based on creditworthiness, type and year model of recreational vehicle
Last Updated10/23/2026
Rate History
No change since Sep 18, 2026 · 6.50% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.16%
Motor Homes, Travel Trailers, Boats, Farm Tractors, and Farm Equipment - Used to 2018
-
6.50%
to 72 months
DetailsAs Low As; Model year: Used to 2018; APR based on creditworthiness, type and year model of recreational vehicle
Last Updated10/23/2026
Rate History
No change since Sep 18, 2026 · 6.50% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.16%
Motor Homes, Travel Trailers, Boats, Farm Tractors, and Farm Equipment - 2026, 2025 Or Newer
-
7.50%
to 84 months
DetailsAs Low As; Model year: 2026, 2025 Or Newer; APR based on creditworthiness, type and year model of recreational vehicle
Last Updated10/23/2026
Rate History
No change since Sep 18, 2026 · 7.50% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.16%
Motor Homes, Travel Trailers, Boats, Farm Tractors, and Farm Equipment - Used to 2018
-
7.50%
to 84 months
DetailsAs Low As; Model year: Used to 2018; APR based on creditworthiness, type and year model of recreational vehicle
Last Updated10/23/2026
Rate History
No change since Sep 18, 2026 · 7.50% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.16%
Recreational Vehicles: New Motorcycles, Personal Watercraft, ATVs, or Dirt Bikes - 2026, 2025 or Newer Loan
-
7.50%
to 48 months
DetailsAs Low As; Model Year: 2026, 2025 or Newer
Last Updated10/23/2026
Rate History
No change since Sep 18, 2026 · 7.50% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.16%
Recreational Vehicles: New Motorcycles, Personal Watercraft, ATVs, or Dirt Bikes Loan
-
7.50%
to 48 months
DetailsAs Low As; Model Year: 2026, 2025 or Newer; Effective Date: October 22, 2026
Last Updated10/23/2026
Rate History
No change since Oct 15, 2026 · 7.50% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.16%
Motor Homes, Travel Trailers, Boats, Farm Tractors, and Farm Equipment - Used 2017 & Older
-
7.90%
to 48 months
DetailsAs Low As; Model year: Used 2017 & Older; APR based on creditworthiness, type and year model of recreational vehicle
Last Updated10/23/2026
Rate History
No change since Sep 18, 2026 · 7.90% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.16%
Recreational Vehicles: New Motorcycles, Personal Watercraft, ATVs, or Dirt Bikes - 2026, 2025 or Newer Loan
-
7.90%
to 60 months
DetailsAs Low As; Model Year: 2026, 2025 or Newer
Last Updated10/23/2026
Rate History
No change since Sep 18, 2026 · 7.90% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.16%
Recreational Vehicles: New Motorcycles, Personal Watercraft, ATVs, or Dirt Bikes Loan
-
7.90%
to 60 months
DetailsAs Low As; Model Year: 2026, 2025 or Newer; Effective Date: October 22, 2026
Last Updated10/23/2026
Rate History
No change since Oct 15, 2026 · 7.90% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.16%
Motor Homes, Travel Trailers, Boats, Farm Tractors, and Farm Equipment - 2026, 2025 Or Newer
-
8.00%
to 120 months
DetailsAs Low As; Model year: 2026, 2025 Or Newer; APR based on creditworthiness, type and year model of recreational vehicle
Last Updated10/23/2026
Rate History
No change since Sep 18, 2026 · 8.00% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.16%
Motor Homes, Travel Trailers, Boats, Farm Tractors, and Farm Equipment - Used to 2018
-
8.00%
to 120 months
DetailsAs Low As; Model year: Used to 2018; APR based on creditworthiness, type and year model of recreational vehicle
Last Updated10/23/2026
Rate History
No change since Sep 18, 2026 · 8.00% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.16%
Recreational Vehicles: New Motorcycles, Personal Watercraft, ATVs, or Dirt Bikes - 2026, 2025 or Newer Loan
-
8.50%
to 72 months
DetailsAs Low As; Model Year: 2026, 2025 or Newer
Last Updated10/23/2026
Rate History
No change since Sep 18, 2026 · 8.50% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.16%
Recreational Vehicles: New Motorcycles, Personal Watercraft, ATVs, or Dirt Bikes - Used 2024-2014 Loan
-
8.50%
to 48 months
DetailsAs Low As; Model Year: Used 2024-2014
Last Updated10/23/2026
Rate History
No change since Sep 18, 2026 · 8.50% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.16%
Recreational Vehicles: New Motorcycles, Personal Watercraft, ATVs, or Dirt Bikes Loan
-
8.50%
to 72 months
DetailsAs Low As; Model Year: 2026, 2025 or Newer; Effective Date: October 22, 2026
Last Updated10/23/2026
Rate History
No change since Oct 15, 2026 · 8.50% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.16%
Recreational Vehicles: New Motorcycles, Personal Watercraft, ATVs, or Dirt Bikes Loan
-
8.50%
to 48 months
DetailsAs Low As; Model Year: Used 2024-2014; Effective Date: October 22, 2026
Last Updated10/23/2026
Rate History
No change since Oct 15, 2026 · 8.50% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.16%
Coosa Pines Federal Credit Union Credit Card Rates
Product
Rate
APR
View More
Coosa Pines VISA with UChooseTM Rewards
-
9.95%
DetailsPurchase, balance transfer and cash advance APRs fixed at 9.95%, 12.95%, or 15.95%, based on creditworthiness; Minimum interest charge $0.01; No interest on purchases if paid in full by due date (at least 25 days after billing cycle close)
Last Updated10/23/2026
Rate History
No change since Sep 12, 2026 · 9.95% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.16%
Coosa Pines Federal Credit Union Personal Loan Rates
Product
APR
Term
View More
Recreational Vehicles: New Motorcycles, Personal Watercraft, ATVs, or Dirt Bikes - 2026, 2025 or Newer Loan
7.50%
to 48 months
DetailsAs Low As; Model Year: 2026, 2025 or Newer
Last Updated10/23/2026
Rate History
No change since Sep 18, 2026 · 7.50% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.16%
Recreational Vehicles: New Motorcycles, Personal Watercraft, ATVs, or Dirt Bikes Loan
7.50%
to 48 months
DetailsAs Low As; Model Year: 2026, 2025 or Newer; Effective Date: October 22, 2026
Last Updated10/23/2026
Rate History
No change since Oct 15, 2026 · 7.50% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.16%
Recreational Vehicles: New Motorcycles, Personal Watercraft, ATVs, or Dirt Bikes - 2026, 2025 or Newer Loan
7.90%
to 60 months
DetailsAs Low As; Model Year: 2026, 2025 or Newer
Last Updated10/23/2026
Rate History
No change since Sep 18, 2026 · 7.90% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.16%
Recreational Vehicles: New Motorcycles, Personal Watercraft, ATVs, or Dirt Bikes Loan
7.90%
to 60 months
DetailsAs Low As; Model Year: 2026, 2025 or Newer; Effective Date: October 22, 2026
Last Updated10/23/2026
Rate History
No change since Oct 15, 2026 · 7.90% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.16%
Recreational Vehicles: New Motorcycles, Personal Watercraft, ATVs, or Dirt Bikes - 2026, 2025 or Newer Loan
8.50%
to 72 months
DetailsAs Low As; Model Year: 2026, 2025 or Newer
Last Updated10/23/2026
Rate History
No change since Sep 18, 2026 · 8.50% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.16%
Recreational Vehicles: New Motorcycles, Personal Watercraft, ATVs, or Dirt Bikes - Used 2024-2014 Loan
8.50%
to 48 months
DetailsAs Low As; Model Year: Used 2024-2014
Last Updated10/23/2026
Rate History
No change since Sep 18, 2026 · 8.50% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.16%
Recreational Vehicles: New Motorcycles, Personal Watercraft, ATVs, or Dirt Bikes Loan
8.50%
to 72 months
DetailsAs Low As; Model Year: 2026, 2025 or Newer; Effective Date: October 22, 2026
Last Updated10/23/2026
Rate History
No change since Oct 15, 2026 · 8.50% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.16%
Recreational Vehicles: New Motorcycles, Personal Watercraft, ATVs, or Dirt Bikes Loan
8.50%
to 48 months
DetailsAs Low As; Model Year: Used 2024-2014; Effective Date: October 22, 2026
Last Updated10/23/2026
Rate History
No change since Oct 15, 2026 · 8.50% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.16%
Personal Loans - Monthly Payments
10.50%
to 36 months
DetailsAs Low As; Rates subject to change without notice; APR based on creditworthiness and loan term
Last Updated10/23/2026
Rate History
No change since Oct 12, 2026 · 10.50% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.16%
Personal Loans - Monthly Payments
10.75%
to 48 months
DetailsAs Low As; Rates subject to change without notice; APR based on creditworthiness and loan term
Last Updated10/23/2026
Rate History
No change since Oct 12, 2026 · 10.75% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.16%
Personal Loans - Line of Credit
10.95%
DetailsAs Low As; Personal/unsecured credit lines offered at fixed rates ranging from 10.95% APR to 14.95% APR
Last Updated10/23/2026
Rate History
No change since Oct 12, 2026 · 10.95% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.16%
Personal Loans - Monthly Payments
10.95%
to 60 months
DetailsAs Low As; Rates subject to change without notice; APR based on creditworthiness and loan term
Last Updated10/23/2026
Rate History
No change since Oct 12, 2026 · 10.95% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.16%
Coosa Pines Federal Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
5/15 ARM (Adjustable Rate Mortgage) 2nd Mortgage - A Rated Credit
6.60%
-
7.14%
DetailsMax LTV: 90%; Primary Dwelling Only; Rate fixed for first five years, adjusts annually beginning on 5th anniversary; 2% max annual adjustment; 6% lifetime cap; 1% origination fee, closing costs and appraisal fee may apply
DetailsMax LTV: 90%; Primary Dwelling Only; Rate fixed for first five years, adjusts annually beginning on 5th anniversary; 2% max annual adjustment; 6% lifetime cap; 1% origination fee, closing costs and appraisal fee may apply
Last Updated10/23/2026
Rate History
No change since Oct 23, 2026 · 7.08% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.16%
5/15 ARM (Adjustable Rate Mortgage) 2nd Mortgage - B Rated Credit
7.25%
-
7.54%
DetailsMax LTV: 80%; Primary Dwelling Only; Rate fixed for first five years, adjusts annually beginning on 5th anniversary; 2% max annual adjustment; 6% lifetime cap; 1% origination fee, closing costs and appraisal fee may apply
Last Updated10/23/2026
Rate History
No change since Oct 23, 2026 · 7.54% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.16%
5/15 ARM (Adjustable Rate Mortgage) 2nd Mortgage - C Rated Credit
7.50%
-
7.73%
DetailsMax LTV: 70%; Primary Dwelling Only; Rate fixed for first five years, adjusts annually beginning on 5th anniversary; 2% max annual adjustment; 6% lifetime cap; 1% origination fee, closing costs and appraisal fee may apply
Last Updated10/23/2026
Rate History
No change since Oct 23, 2026 · 7.73% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.16%
5/15 ARM 2nd Mortgage
6.50%
-
7.08%
DetailsA+ Rated Credit; Max LTV: 90%; Rate fixed first 5 years, adjusts annually after; 2% max annual adjustment; 6% lifetime cap; Primary Dwelling Only
Last Updated10/23/2026
Rate History
No change since Oct 23, 2026 · 7.08% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.16%
5/15 ARM 2nd Mortgage
6.60%
-
7.14%
DetailsA Rated Credit; Max LTV: 90%; Rate fixed first 5 years, adjusts annually after; 2% max annual adjustment; 6% lifetime cap; Primary Dwelling Only
Last Updated10/23/2026
Rate History
No change since Oct 23, 2026 · 7.14% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.16%
5/15 ARM 2nd Mortgage
7.25%
-
7.54%
DetailsB Rated Credit; Max LTV: 80%; Rate fixed first 5 years, adjusts annually after; 2% max annual adjustment; 6% lifetime cap; Primary Dwelling Only
Last Updated10/23/2026
Rate History
No change since Oct 23, 2026 · 7.54% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.16%
5/15 ARM 2nd Mortgage
7.50%
-
7.73%
DetailsC Rated Credit; Max LTV: 70%; Rate fixed first 5 years, adjusts annually after; 2% max annual adjustment; 6% lifetime cap; Primary Dwelling Only
Last Updated10/23/2026
Rate History
No change since Oct 23, 2026 · 7.73% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.16%
Line of Credit
-
-
10.95%
DetailsAs Low As; Personal Loans table; personal/unsecured credit lines offered at fixed rates from 10.95% APR to 14.95% APR; monthly payment column ignored
Last Updated10/23/2026
Rate History
No change since Sep 12, 2026 · 10.95% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.16%
Financial Health History
Coosa Pines Federal Credit Union’s Texas Ratio stayed near 3.41% in Q3 2023 to 3.16% 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
$421M
3.16%
5.0
A+
March 31, 2026
$414M
2.87%
5.0
A+
December 31, 2025
$400M
3.26%
5.0
A+
September 30, 2025
$393M
2.45%
5.0
A+
June 30, 2025
$379M
3.11%
5.0
A+
March 31, 2025
$379M
3.30%
5.0
A+
December 31, 2024
$371M
3.66%
5.0
A+
September 30, 2024
$371M
5.41%
5.0
A+
June 30, 2024
$370M
3.78%
5.0
A+
March 31, 2024
$368M
3.20%
5.0
A+
December 31, 2023
$360M
5.21%
5.0
A+
September 30, 2023
$358M
3.41%
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 Coosa Pines 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 Coosa Pines 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 Coosa Pines Federal Credit Union's official website for the most current offers and terms.
Address
33710 US Highway 280,
Childersburg, AL 35044-3016
Phone256-378-5559
Fax256-378-3881
PresidentClaude Welch
CEODon Carden
Full-Time Employees58
Part-Time Employees1
Branch Locations5
ATM Locations5
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
3.16%
Return on Assets (ROA)
0.8865%
Return on Equity (ROE)
5.4737%
Non-Performing Loans Ratio (NPL)
0.87%
Total Assets
420,774,376
Total Amount of Shares and Deposits
356,632,867
Total Shares and Deposits < 1 Year
354,206,560
Total Shares and Deposits 1 3 Years
2,217,587
Total Shares and Deposits > 3 Years
208,718
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
26,171,083
Total Uninsured Shares and Deposits > $250K (F+J)
26,171,083
Total Insured Shares and Deposits > $250K (item 17 less item K)
330,461,784
Total Interest Expense (Sum of items 6 8)
2,588,452
Share Certificates
2,416
Number of Accounts for Share Drafts
17,730
IRA KEOGH Accounts
1,064
Number of Accounts for Regular Shares
27,858
Money Market Shares
607
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)
40,785,061
Total Liabilities
358,139,161
Source: NCUA — Last Updated 06/30/2026
2026 MBR Health & Safety Badge
Coosa Pines Federal Credit Union 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.
Customer Reviews
There are no reviews for Coosa Pines Federal Credit Union yet. Feel free to create one below.
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Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for Coosa Pines Federal Credit Union
Frequently Asked Questions About Coosa Pines Federal Credit Union
Does Coosa Pines Federal Credit Union offer CDs?
Yes. Coosa Pines Federal Credit Union offers share certificates (CDs) with fixed interest rates across multiple term lengths. CD rates verified by MonitorBankRates as of October 23, 2026 include 4.00% APY on its CD - 8 Month Special, 3.75% APY on its CD - 12 Month and 3.50% APY on its CD - 6 Month.
Are CDs from Coosa Pines Federal Credit Union NCUA insured?
Yes. Coosa Pines Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.
What is the highest CD rate at Coosa Pines Federal Credit Union?
The highest CD rate MonitorBankRates has verified for Coosa Pines Federal Credit Union is 4.00% APY on its CD - 8 Month Special, as of October 23, 2026.
What CD terms does Coosa Pines Federal Credit Union offer?
The Coosa Pines Federal Credit Union CD terms MonitorBankRates tracks include 6 month, 8 month, 12 month, 2 year, 3 year and 5 year terms, with rates from 2.75% to 4.00% APY. The institution may offer other terms or specials that are not listed here, so check with Coosa Pines Federal Credit Union for its full lineup.
What is the highest savings rate at Coosa Pines Federal Credit Union?
The highest savings rate MonitorBankRates has verified for Coosa Pines Federal Credit Union is 0.55% APY on its Regular Share (Savings), as of October 23, 2026.
What is the highest money market rate at Coosa Pines Federal Credit Union?
The highest money market rate MonitorBankRates has verified for Coosa Pines Federal Credit Union is 3.00% APY on its Money Market Share Account, as of October 23, 2026.
What is the highest checking rate at Coosa Pines Federal Credit Union?
The highest checking rate MonitorBankRates has verified for Coosa Pines Federal Credit Union is 0.10% APY on its Regular Checking, as of October 23, 2026.
What is the lowest mortgage rate at Coosa Pines Federal Credit Union?
The lowest mortgage rate MonitorBankRates has verified for Coosa Pines Federal Credit Union is 4.50% rate on its 5/15 ARM (Adjustable Rate Mortgage) 1st Mortgage - A+ Rated Credit, as of October 23, 2026.
What is the lowest auto loan rate at Coosa Pines Federal Credit Union?
The lowest auto loan rate MonitorBankRates has verified for Coosa Pines Federal Credit Union is 4.60% APR on its New & Used Auto Loans - 2026, 2025, 2024 (Mileage less than 30k), as of October 23, 2026.
What is the lowest personal loan rate at Coosa Pines Federal Credit Union?
The lowest personal loan rate MonitorBankRates has verified for Coosa Pines Federal Credit Union is 7.50% APR on its Recreational Vehicles: New Motorcycles, Personal Watercraft, ATVs, or Dirt Bikes - 2026, 2025 or Newer Loan, as of October 23, 2026.
What is the lowest credit card APR at Coosa Pines Federal Credit Union?
The lowest credit card rate MonitorBankRates has verified for Coosa Pines Federal Credit Union is 9.95% APR on its Coosa Pines VISA with UChooseTM Rewards Credit Card, as of October 23, 2026.
How many branches does Coosa Pines Federal Credit Union operate?
Coosa Pines 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 Coosa Pines Federal Credit Union?
Yes, to access services at Coosa Pines 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, Coosa Pines 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, Coosa Pines Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.
Does Coosa Pines Federal Credit Union offer online and mobile banking?
Most modern institutions like Coosa Pines 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.coosapinesfcu.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 Coosa Pines Federal Credit Union rates compare?
Coosa Pines Federal Credit Union's top rates are 4.00% APY on its CD - 8 Month Special, 0.55% APY on its Regular Share (Savings), 3.00% APY on its Money Market Share Account, 0.10% APY on its Regular Checking, 4.50% on its 5/15 ARM (Adjustable Rate Mortgage) 1st Mortgage - A+ Rated Credit, 7.50% APR on its Recreational Vehicles: New Motorcycles, Personal Watercraft, ATVs, or Dirt Bikes - 2026, 2025 or Newer Loan and 9.95% APR on its Coosa Pines VISA with UChooseTM Rewards Credit Card, verified by MonitorBankRates on October 23, 2026.
Current Coosa Pines Federal Credit Union Rates
12-Month CD3.75%
24-Month CD3.00%
60-Month CD2.75%
Savings0.55%
MMA3.00%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
