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Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
Advantage One Credit Union Rates & Review September 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
Bank & Credit Union Star Ratings
Finance Calculators
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: September 27, 2026
Advantage One Credit Union's top rates as of September 27, 2026 are 3.80% APY on its 6 Month CD, 0.07% APY on savings, 0.70% APY on money market accounts, 5.62% on its 10-Year Fixed Rate Mortgage, rv, boat and powersport loans from 6.74% APR, and credit cards from 12.98% APR, according to rates verified by MonitorBankRates. Other Advantage One Credit Union CD rates include 6-Month Youth CD at 3.79%, 12 Month CD at 3.70%, and 12-Month Youth CD at 3.70%. Other Advantage One Credit Union mortgage rates include Conventional Fixed Rate Mortgage at 5.62%, 15-Year Fixed Rate Mortgage at 6.00%, and Conventional Fixed Rate Mortgage at 6.00%. MonitorBankRates evaluates the financial stability of Advantage One Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.43%. Rates last updated and verified on 09/27/2026.
Advantage One 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 Advantage One Credit Union? Share your experience about Advantage One Credit Union by leaving a review below, or read customer reviews before you decide to use Advantage One Credit Union.
Advantage One Credit Union has earned an overall safety grade of A+ (Exceptional, Score: 97/100).
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
Advantage One 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
?
5.43%
ExcellentLower than avg
Advantage One Credit Union Texas Ratio
Advantage One Credit Union's Texas Ratio is 5.43%, which is considered excellent and is lower than the national average of 6.13%.
Advantage One 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.
7.70% to 5.43% over 12 quarters, improvingFull history
Star Rating 5.0 to 5.0, Health Grade A to A+
The Texas Ratio for this credit union has improved 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.
Advantage One Credit Union CD Rates
Product
Rate
APY
Term
View More
6 Month Certificate
-
3.80%
6 months
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 4 times
No additional details.
Last Updated09/27/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.43%
6-Month Youth Certificate
-
3.79%
6 months
Rate History
No change since Sep 14, 2026 · 3.79% APY · checked 4 times
No additional details.
Last Updated09/27/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.43%
12 Month Certificate
-
3.70%
12 months
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 4 times
No additional details.
Last Updated09/27/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.43%
12-Month Youth Certificate
-
3.70%
12 months
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 4 times
No additional details.
Last Updated09/27/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.43%
IRA Share Certificate - 12-Month
-
3.70%
12 months
Rate History
No change since Sep 22, 2026 · 3.70% APY · checked 2 times
No additional details.
Last Updated09/27/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.43%
60 Month Certificate
-
3.55%
60 months
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 4 times
No additional details.
Last Updated09/27/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.43%
IRA Share Certificate - 60-Month
-
3.55%
60 months
Rate History
No change since Sep 22, 2026 · 3.55% APY · checked 2 times
No additional details.
Last Updated09/27/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.43%
48 Month Certificate
-
3.29%
48 months
Rate History
No change since Sep 14, 2026 · 3.29% APY · checked 4 times
No additional details.
Last Updated09/27/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.43%
IRA Share Certificate - 48-Month
-
3.29%
48 months
Rate History
No change since Sep 22, 2026 · 3.29% APY · checked 2 times
No additional details.
Last Updated09/27/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.43%
36 Month Certificate
-
3.03%
36 months
Rate History
No change since Sep 14, 2026 · 3.03% APY · checked 4 times
No additional details.
Last Updated09/27/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.43%
IRA Share Certificate - 36-Month
-
3.03%
36 months
Rate History
No change since Sep 22, 2026 · 3.03% APY · checked 2 times
No additional details.
Last Updated09/27/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.43%
24 Month Certificate
-
2.78%
24 months
Rate History
No change since Sep 14, 2026 · 2.78% APY · checked 4 times
No additional details.
Last Updated09/27/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.43%
IRA Share Certificate - 24-Month
-
2.78%
24 months
Rate History
No change since Sep 22, 2026 · 2.78% APY · checked 2 times
No additional details.
Last Updated09/27/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.43%
Advantage One Credit Union Savings Rates
Product
Rate
APY
View More
IRA Savings
-
0.25%
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 4 times
No additional details.
Last Updated09/27/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.43%
Primary Savings
-
0.07%
Rate History
No change since Sep 14, 2026 · 0.07% APY · checked 4 times
No additional details.
Last Updated09/27/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.43%
Secondary Savings
-
0.07%
Rate History
No change since Sep 14, 2026 · 0.07% APY · checked 4 times
No additional details.
Last Updated09/27/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.43%
Advantage One Credit Union Money Market Rates
Product
Rate
APY
View More
Money Market
-
1.25%
Rate History
No change since Sep 14, 2026 · 1.25% APY · checked 4 times
Min Balance$100,000
DetailsBalance: $100,000 +
Last Updated09/27/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.43%
Money Market
-
1.15%
Rate History
No change since Sep 14, 2026 · 1.15% APY · checked 4 times
Min Balance$75,000
DetailsBalance: $75,000 - $99,999.99
Last Updated09/27/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.43%
Money Market
-
1.10%
Rate History
No change since Sep 14, 2026 · 1.10% APY · checked 4 times
Min Balance$50,000
DetailsBalance: $50,000 - $74,999.99
Last Updated09/27/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.43%
Money Market
-
0.85%
Rate History
No change since Sep 14, 2026 · 0.85% APY · checked 4 times
Min Balance$25,000
DetailsBalance: $25,000 - $49,999.99
Last Updated09/27/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.43%
Money Market
-
0.70%
Rate History
No change since Sep 14, 2026 · 0.70% APY · checked 4 times
Min Balance$1,500
DetailsBalance: $1,500 - $24,999.99
Last Updated09/27/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.43%
Advantage One Credit Union Checking Rates
Product
Rate
APY
View More
Advantage Checking
-
5.01%
Rate History
No change since Sep 14, 2026 · 5.01% APY · checked 3 times
Min Balance$0
DetailsBalance: $0.01 - $10,000
Last Updated09/27/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.43%
Advantage Checking
-
5.00%
Rate History
No change since Sep 14, 2026 · 5.00% APY · checked 4 times
Min Balance$10,000
DetailsQualifications Required: 18 or more qualified debit card transactions over $5; $700 in electronic deposits (ACH/Mobile Deposit); Enrolled in e-Statements; Qualifying balance up to $10,000.00; Tiered rates for higher balances
Last Updated09/27/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.43%
Advantage Checking
-
0.50%
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 3 times
Min Balance$100,000
DetailsBalance: $100,000.01+
Last Updated09/27/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.43%
Advantage Checking
-
0.40%
Rate History
No change since Sep 14, 2026 · 0.40% APY · checked 3 times
Min Balance$25,000
DetailsBalance: $25,000.01 - $100,000
Last Updated09/27/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.43%
Advantage Checking
-
0.30%
Rate History
No change since Sep 14, 2026 · 0.30% APY · checked 3 times
Min Balance$10,000
DetailsBalance: $10,000.01 - $25,000
Last Updated09/27/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.43%
Advantage One Credit Union Mortgage Rates
Product
Rate
Points
APR
Term
View More
10-Year Fixed Rate Mortgage
5.63%
0.0
6.18%
10-Year
Rate History
No change since Sep 14, 2026 · 6.18% APR · checked 4 times
No additional details.
Last Updated09/27/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.43%
Conventional Fixed Rate Mortgage
5.63%
0.0
6.18%
10-Year
Rate History
No change since Sep 18, 2026 · 6.18% APR · checked 3 times
No additional details.
Last Updated09/27/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.43%
15-Year Fixed Rate Mortgage
6.00%
0.0
6.40%
15-Year
Rate History
No change since Sep 14, 2026 · 6.40% APR · checked 4 times
No additional details.
Last Updated09/27/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.43%
Conventional Fixed Rate Mortgage
6.00%
0.0
6.40%
15-Year
Rate History
No change since Sep 18, 2026 · 6.40% APR · checked 3 times
No additional details.
Last Updated09/27/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.43%
VA Fixed-Rate Mortgage
6.00%
0.0
6.60%
15-Year
Rate History
No change since Sep 14, 2026 · 6.60% APR · checked 4 times
No additional details.
Last Updated09/27/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.43%
VA Fixed-Rate Mortgage
6.25%
0.0
6.62%
30-Year
Rate History
No change since Sep 14, 2026 · 6.62% APR · checked 4 times
No additional details.
Last Updated09/27/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.43%
FHA Fixed Rate Mortgage
6.25%
0.0
6.67%
30-Year
Rate History
No change since Sep 14, 2026 · 6.67% APR · checked 4 times
No additional details.
Last Updated09/27/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.43%
FHA Fixed Rate Mortgage
6.00%
0.0
6.69%
15-Year
Rate History
No change since Sep 14, 2026 · 6.69% APR · checked 4 times
No additional details.
Last Updated09/27/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.43%
20-Year Fixed Rate Mortgage
6.38%
0.0
6.70%
20-Year
Rate History
No change since Sep 14, 2026 · 6.70% APR · checked 4 times
No additional details.
Last Updated09/27/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.43%
Conventional Fixed Rate Mortgage
6.38%
0.0
6.70%
20-Year
Rate History
No change since Sep 18, 2026 · 6.70% APR · checked 3 times
No additional details.
Last Updated09/27/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.43%
30-Year Fixed Rate Mortgage
6.75%
0.0
7.00%
30-Year
Rate History
No change since Sep 14, 2026 · 7.00% APR · checked 4 times
No additional details.
Last Updated09/27/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.43%
Conventional Fixed Rate Mortgage
6.75%
0.0
7.00%
30-Year
Rate History
No change since Sep 18, 2026 · 7.00% APR · checked 3 times
No additional details.
Last Updated09/27/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.43%
Vacant Land Mortgage
6.75%
0.0
7.32%
10-Year
Rate History
No change since Sep 14, 2026 · 7.32% APR · checked 4 times
No additional details.
Last Updated09/27/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.43%
Vacant Land Mortgage
7.00%
0.0
7.41%
15-Year
Rate History
No change since Sep 14, 2026 · 7.41% APR · checked 4 times
No additional details.
Last Updated09/27/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.43%
Advantage One Credit Union Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
Closed-End Fixed Home Equity
-
-
5.99%
60-Month
Rate History
No change since Sep 14, 2026 · 5.99% APR · checked 4 times
No additional details.
Last Updated09/27/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.43%
Closed-End Fixed Home Equity
-
-
6.24%
120-Month
Rate History
No change since Sep 14, 2026 · 6.24% APR · checked 4 times
No additional details.
Last Updated09/27/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.43%
Closed-End Fixed Home Equity
-
-
6.49%
180-Month
Rate History
No change since Sep 14, 2026 · 6.49% APR · checked 4 times
DetailsPayment example
Last Updated09/27/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.43%
Home Equity Line of Credit
-
-
6.75%
240 months
Rate History
No change since Sep 18, 2026 · 6.75% APR · checked 3 times
No change since Sep 18, 2026 · 4.24% APR · checked 3 times
DetailsAs Low As
Last Updated09/27/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.43%
Used Auto and Motorcycle
-
-
4.24%
36-Month
Rate History
No change since Sep 18, 2026 · 4.24% APR · checked 3 times
No additional details.
Last Updated09/27/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.43%
New Auto and Motorcycle
-
-
4.99%
60-Month
Rate History
No change since Sep 18, 2026 · 4.99% APR · checked 3 times
DetailsAs Low As
Last Updated09/27/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.43%
Used Auto and Motorcycle
-
-
4.99%
60-Month
Rate History
No change since Sep 18, 2026 · 4.99% APR · checked 3 times
No additional details.
Last Updated09/27/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.43%
New Auto and Motorcycle
-
-
5.24%
72-Month
Rate History
No change since Sep 18, 2026 · 5.24% APR · checked 3 times
DetailsAs Low As; minimum loan amount $15,000
Last Updated09/27/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.43%
Used Auto and Motorcycle
-
-
5.24%
72-Month
Rate History
No change since Sep 18, 2026 · 5.24% APR · checked 3 times
Detailsminimum loan amount $15,000
Last Updated09/27/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.43%
Used Auto and Motorcycle Over 5 Years
-
-
5.74%
48-Month
Rate History
No change since Sep 18, 2026 · 5.74% APR · checked 3 times
No additional details.
Last Updated09/27/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.43%
New Auto and Motorcycle
-
-
5.99%
84-Month
Rate History
No change since Sep 18, 2026 · 5.99% APR · checked 3 times
DetailsAs Low As; minimum loan amount $25,000
Last Updated09/27/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.43%
Used Auto and Motorcycle
-
-
5.99%
84-Month
Rate History
No change since Sep 18, 2026 · 5.99% APR · checked 3 times
Detailsminimum loan amount $25,000
Last Updated09/27/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.43%
Used Auto and Motorcycle Over 5 Years
-
-
6.24%
72-Month
Rate History
No change since Sep 18, 2026 · 6.24% APR · checked 3 times
Detailsminimum loan amount $15,000
Last Updated09/27/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.43%
First Time Car Buyer Loan
-
-
9.99%
Rate History
No change since Sep 18, 2026 · 9.99% APR · checked 3 times
DetailsAs Low As; **
Last Updated09/27/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.43%
New Auto and Motorcycle
-
-
9.99%
Rate History
No change since Sep 22, 2026 · 9.99% APR · checked 2 times
No additional details.
Last Updated09/27/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.43%
Used Auto and Motorcycle
-
-
9.99%
Rate History
No change since Sep 22, 2026 · 9.99% APR · checked 2 times
No additional details.
Last Updated09/27/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.43%
Advantage One Credit Union RV, Boat and Powersport Loan Rates
Product
Rate
APR
Term
View More
RV Loans
-
5.99%
60-Month
Rate History
1 change since Sep 14, 2026 · 6.99% → 5.99% ▼ 1.00 pts · high 6.99% / low 5.99%
Sep 22, 20265.99%▼ from 6.99%
Sep 14, 20266.99%first recorded
No additional details.
Last Updated09/27/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.43%
RV Loans
-
6.49%
84-Month
Rate History
1 change since Sep 14, 2026 · 7.99% → 6.49% ▼ 1.50 pts · high 7.99% / low 6.49%
Sep 22, 20266.49%▼ from 7.99%
Sep 14, 20267.99%first recorded
DetailsAdditional APR listed for this product: 7.99%. minimum loan amount $10,000
Last Updated09/27/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.43%
New Personal Watercraft, Snowmobiles & ATVs (2022 - 2026) - 36-Month Loan
-
6.74%
36-Month
Rate History
No change since Sep 14, 2026 · 6.74% APR · checked 3 times
No additional details.
Last Updated09/27/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.43%
RV Loans
-
6.99%
60-Month
Rate History
No change since Sep 14, 2026 · 6.99% APR · checked 4 times
Detailsminimum loan amount $10,000
Last Updated09/27/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.43%
RV Loans
-
7.24%
120-Month
Rate History
1 change since Sep 14, 2026 · 8.24% → 7.24% ▼ 1.00 pts · high 8.24% / low 7.24%
Sep 22, 20267.24%▼ from 8.24%
Sep 14, 20268.24%first recorded
DetailsAdditional APR listed for this product: 8.24%. minimum loan amount $15,000
Last Updated09/27/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.43%
New Personal Watercraft, Snowmobiles & ATVs (2022 - 2026) - 48-Month Loan
-
7.49%
48-Month
Rate History
No change since Sep 14, 2026 · 7.49% APR · checked 3 times
No additional details.
Last Updated09/27/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.43%
RV Loans
-
7.49%
144-Month
Rate History
No change since Sep 14, 2026 · 7.49% APR · checked 3 times
Detailsminimum loan amount $20,000
Last Updated09/27/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.43%
New Personal Watercraft, Snowmobiles & ATVs (2022 - 2026) - 60-Month Loan
-
7.74%
60-Month
Rate History
No change since Sep 14, 2026 · 7.74% APR · checked 3 times
No additional details.
Last Updated09/27/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.43%
RV Loans
-
7.99%
180-Month
Rate History
1 change since Sep 14, 2026 · 8.74% → 7.99% ▼ 0.75 pts · high 8.74% / low 7.99%
Sep 22, 20267.99%▼ from 8.74%
Sep 14, 20268.74%first recorded
DetailsAdditional APR listed for this product: 8.74%. minimum loan amount $25,000
Last Updated09/27/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.43%
RV Loans
-
8.24%
240-Month
Rate History
1 change since Sep 14, 2026 · 9.24% → 8.24% ▼ 1.00 pts · high 9.24% / low 8.24%
Sep 22, 20268.24%▼ from 9.24%
Sep 14, 20269.24%first recorded
DetailsAdditional APR listed for this product: 9.24%. minimum loan amount $35,000
Last Updated09/27/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.43%
New Personal Watercraft, Snowmobiles & ATVs (2022 - 2026) - 72-Month Loan
-
8.49%
72-Month
Rate History
No change since Sep 14, 2026 · 8.49% APR · checked 3 times
No additional details.
Last Updated09/27/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.43%
Used Personal Watercraft, Snowmobiles & ATVs (2021 & older) Loan
-
8.74%
36-Month
Rate History
No change since Sep 18, 2026 · 8.74% APR · checked 3 times
DetailsAs Low As
Last Updated09/27/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.43%
Used Personal Watercraft, Snowmobiles & ATVs (2021 & older) Loan
-
9.49%
48-Month
Rate History
No change since Sep 18, 2026 · 9.49% APR · checked 3 times
DetailsAs Low As
Last Updated09/27/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.43%
Used Personal Watercraft, Snowmobiles & ATVs (2021 & older) Loan
-
9.74%
60-Month
Rate History
No change since Sep 18, 2026 · 9.74% APR · checked 3 times
DetailsAs Low As
Last Updated09/27/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.43%
Used Personal Watercraft, Snowmobiles & ATVs (2021 & older) Loan
-
10.49%
72-Month
Rate History
No change since Sep 18, 2026 · 10.49% APR · checked 3 times
DetailsAs Low As
Last Updated09/27/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.43%
Advantage One Credit Union Credit Card Rates
Product
Rate
APR
View More
Visa Platinum Rewards
-
12.98%
Rate History
No change since Sep 14, 2026 · 12.98% APR · checked 4 times
DetailsAs Low As
Last Updated09/27/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.43%
Visa Signature Rewards
-
12.98%
Rate History
No change since Sep 14, 2026 · 12.98% APR · checked 4 times
DetailsAs Low As
Last Updated09/27/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.43%
Advantage One Credit Union Personal Loan Rates
Product
APR
Term
View More
New Personal Watercraft, Snowmobiles & ATVs (2022 - 2026) - 36-Month Loan
6.74%
36-Month
Rate History
No change since Sep 14, 2026 · 6.74% APR · checked 3 times
No additional details.
Last Updated09/27/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.43%
New Personal Watercraft, Snowmobiles & ATVs (2022 - 2026) - 48-Month Loan
7.49%
48-Month
Rate History
No change since Sep 14, 2026 · 7.49% APR · checked 3 times
No additional details.
Last Updated09/27/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.43%
New Personal Watercraft, Snowmobiles & ATVs (2022 - 2026) - 60-Month Loan
7.74%
60-Month
Rate History
No change since Sep 14, 2026 · 7.74% APR · checked 3 times
No additional details.
Last Updated09/27/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.43%
New Personal Watercraft, Snowmobiles & ATVs (2022 - 2026) - 72-Month Loan
8.49%
72-Month
Rate History
No change since Sep 14, 2026 · 8.49% APR · checked 3 times
No additional details.
Last Updated09/27/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.43%
Used Personal Watercraft, Snowmobiles & ATVs (2021 & older) Loan
8.74%
36-Month
Rate History
No change since Sep 18, 2026 · 8.74% APR · checked 3 times
DetailsAs Low As
Last Updated09/27/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.43%
Personal Unsecured Loan
9.49%
36 months
Rate History
No change since Sep 14, 2026 · 9.49% APR · checked 4 times
DetailsAs Low As
Last Updated09/27/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.43%
Used Personal Watercraft, Snowmobiles & ATVs (2021 & older) Loan
9.49%
48-Month
Rate History
No change since Sep 18, 2026 · 9.49% APR · checked 3 times
DetailsAs Low As
Last Updated09/27/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.43%
Used Personal Watercraft, Snowmobiles & ATVs (2021 & older) Loan
9.74%
60-Month
Rate History
No change since Sep 18, 2026 · 9.74% APR · checked 3 times
DetailsAs Low As
Last Updated09/27/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.43%
Personal Lines of Credit Loan
10.00%
Revolving
Rate History
No change since Sep 14, 2026 · 10.00% APR · checked 4 times
DetailsAs Low As
Last Updated09/27/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.43%
Personal Unsecured
10.49%
60 Months
Rate History
No change since Sep 14, 2026 · 10.49% APR · checked 2 times
Details$5,000; As Low As
Last Updated09/27/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.43%
Used Personal Watercraft, Snowmobiles & ATVs (2021 & older) Loan
10.49%
72-Month
Rate History
No change since Sep 18, 2026 · 10.49% APR · checked 3 times
DetailsAs Low As
Last Updated09/27/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.43%
Personal Unsecured
11.99%
72 Months
Rate History
No change since Sep 14, 2026 · 11.99% APR · checked 2 times
Details$10,000; As Low As
Last Updated09/27/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.43%
Visa Signature Rewards
12.98%
revolving
Rate History
No change since Sep 14, 2026 · 12.98% APR · checked 4 times
DetailsAs Low As
Last Updated09/27/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.43%
Financial Health History
Advantage One Credit Union’s Texas Ratio fell from 7.70% in Q3 2023 to 5.43% in Q2 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A to A+. 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)
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
$268M
5.43%
5.0
A+
March 31, 2026
$266M
5.07%
5.0
A+
December 31, 2025
$257M
7.53%
5.0
A
September 30, 2025
$250M
10.46%
5.0
A
June 30, 2025
$253M
11.17%
5.0
A
March 31, 2025
$249M
9.25%
5.0
A
December 31, 2024
$253M
9.18%
5.0
A
September 30, 2024
$256M
10.55%
5.0
A
June 30, 2024
$264M
9.02%
5.0
A
March 31, 2024
$263M
7.90%
5.0
A
December 31, 2023
$256M
8.16%
5.0
A
September 30, 2023
$248M
7.70%
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 Advantage One 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 Advantage One 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 Advantage One Credit Union's official website for the most current offers and terms.
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
6,775,866
Total Uninsured Shares and Deposits > $250K (F+J)
6,775,866
Total Insured Shares and Deposits > $250K (item 17 less item K)
230,369,490
Total Interest Expense (Sum of items 6 8)
1,461,797
Share Certificates
1,914
Number of Accounts for Share Drafts
10,032
IRA KEOGH Accounts
428
Number of Accounts for Regular Shares
20,354
All other shares
16
Money Market Shares
228
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)
9,751,153
Total Liabilities
238,132,316
Source: NCUA — Last Updated 06/30/2026
2026 MBR Health & Safety Badge
Advantage One 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 — no need to download or upload anything.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
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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 Advantage One Credit Union
Frequently Asked Questions About Advantage One Credit Union
How many branches does Advantage One Credit Union operate?
Advantage One 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 Advantage One Credit Union?
Yes, to access services at Advantage One 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, Advantage One 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, Advantage One Credit Union provides members with tools to manage their accounts and build a solid financial history.
Does Advantage One Credit Union offer online and mobile banking?
Most modern institutions like Advantage One 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.myaocu.com.
Current Advantage One Credit Union Rates
12-Month CD3.70%
24-Month CD2.78%
60-Month CD3.55%
Savings0.07%
MMA0.70%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
