What are the current interest rates at Eagle Community Credit Union?

Current rates for Eagle Community Credit Union include: 12-Month CD: 3.25%, 18-Month CD: 4.25%, 24-Month CD: 3.25%, 60-Month CD: 3.30%, Savings: 5.00%, MMA: 3.00%

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Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results

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Eagle Community Credit Union

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Eagle Community Credit Union Rates & Review October 2026

Q: Is a member application needed to join Eagle Community Credit Union?

Yes, to access services at Eagle Community 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.

Q: Are credit management and repair services offered?

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

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 13, 2026

Eagle Community Credit Union's top rates as of October 13, 2026 are 4.25% APY on its 18-month Promotional Term and IRA CDs - 18 month CD, 5.00% APY on savings, 3.00% APY on money market accounts, 2.00% APY on checking, rv, boat and powersport loans from 9.99% APR, and credit cards from 12.50% APR, according to rates verified by MonitorBankRates. Other Eagle Community Credit Union CD rates include 10 Month Stretch CD at 3.65%, 60 Month Early Saver CD at 3.30%, and 60 Month CD at 3.30%. MonitorBankRates evaluates the financial stability of Eagle Community Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.63%. Rates last updated and verified on 10/13/2026.

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

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.63%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Eagle Community Credit Union
Corporate

27042 Towne Centre Dr Ste 100
Foothill Ranch, CA 92610-2810

https://www.eaglecu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Eagle Community Credit Union CD Rates

Product	Rate	APY	Term
18-month Promotional Term and IRA Certificates - 18 month	4.169%	4.25%	18 Months
Min Deposit $1,000 Min Balance $1,000 Details Min. to Earn APY: $1,000; Promotional 18-month certificate automatically renews into a standard, non-promotional 24-month certificate at maturity; Early withdrawal penalties may apply Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 4.10% → 4.25% ▲ 0.15 pts · high 4.25% / low 4.10% Sep 26, 20264.25%▲ from 4.10% Sep 14, 20264.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.63%
10 Month Stretch Certificate	3.59%	3.65%	10 Months
Min Deposit $1,000 Min Balance $1,000 Details Promotional 10-Month Stretch Share Certificate; may adjust dividend rate once in month 5 to the then-current 10-Month Stretch rate if higher, extending term to 15 months; early withdrawal penalty: up to 12 months 90 days of dividends, 13+ months 180 days of dividends Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.65% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.63%
60 Month Early Saver Certificate	3.251%	3.30%	60 Months
Min Deposit $500 Min Balance $500 Details Available to Treasure Chest Savings, Power Up Fund, and Next Gen members only; Early Saver Certificate applies to Treasure Chest Savings, Power Up Fund, and Next Gen Accounts only Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.30% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.63%
60 Month Share Certificate	3.251%	3.30%	60 Months
Min Deposit $50,000 Min Balance $50,000 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.30% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.63%
60 Month Share Certificate	3.251%	3.30%	60 Months
Min Deposit $100,000 Min Balance $100,000 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.30% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.63%
IRA Certificates - 60 month	3.251%	3.30%	60 Months
Min Deposit $500 Min Balance $500 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.30% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.63%
Share Certificates - 60 month	3.251%	3.30%	60 Months
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.30% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.63%
12 Month Early Saver Certificate	3.203%	3.25%	12 Months
Min Deposit $500 Min Balance $500 Details Available to Treasure Chest Savings, Power Up Fund, and Next Gen members only; Early Saver Certificate applies to Treasure Chest Savings, Power Up Fund, and Next Gen Accounts only Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.63%
12 Month Share Certificate	3.203%	3.25%	12 Months
Min Deposit $50,000 Min Balance $50,000 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.63%
12 Month Share Certificate	3.203%	3.25%	12 Months
Min Deposit $100,000 Min Balance $100,000 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.63%
24 Month Early Saver Certificate	3.203%	3.25%	24 Months
Min Deposit $500 Min Balance $500 Details Available to Treasure Chest Savings, Power Up Fund, and Next Gen members only; Early Saver Certificate applies to Treasure Chest Savings, Power Up Fund, and Next Gen Accounts only Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.63%
24 Month Share Certificate	3.203%	3.25%	24 Months
Min Deposit $50,000 Min Balance $50,000 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.63%
24 Month Share Certificate	3.203%	3.25%	24 Months
Min Deposit $100,000 Min Balance $100,000 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.63%
IRA Certificates - 12 month	3.203%	3.25%	12 Months
Min Deposit $500 Min Balance $500 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.63%
IRA Certificates - 24 month	3.203%	3.25%	24 Months
Min Deposit $500 Min Balance $500 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.63%
Share Certificates - 12 month	3.203%	3.25%	12 Months
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.63%
Share Certificates - 24 month	3.203%	3.25%	24 Months
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.63%
48 Month Early Saver Certificate	3.154%	3.20%	48 Months
Min Deposit $500 Min Balance $500 Details Available to Treasure Chest Savings, Power Up Fund, and Next Gen members only; Early Saver Certificate applies to Treasure Chest Savings, Power Up Fund, and Next Gen Accounts only Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.20% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.63%
48 Month Share Certificate	3.154%	3.20%	48 Months
Min Deposit $50,000 Min Balance $50,000 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.63%
48 Month Share Certificate	3.154%	3.20%	48 Months
Min Deposit $100,000 Min Balance $100,000 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.63%
IRA Certificates - 48 month	3.154%	3.20%	48 Months
Min Deposit $500 Min Balance $500 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.20% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.63%
Share Certificates - 48 month	3.154%	3.20%	48 Months
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.20% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.63%
36 Month Early Saver Certificate	3.105%	3.15%	36 Months
Min Deposit $500 Min Balance $500 Details Available to Treasure Chest Savings, Power Up Fund, and Next Gen members only; Early Saver Certificate applies to Treasure Chest Savings, Power Up Fund, and Next Gen Accounts only Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.15% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.63%
36 Month Share Certificate	3.105%	3.15%	36 Months
Min Deposit $50,000 Min Balance $50,000 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.15% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.63%
36 Month Share Certificate	3.105%	3.15%	36 Months
Min Deposit $100,000 Min Balance $100,000 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.15% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.63%
IRA Certificates - 36 month	3.105%	3.15%	36 Months
Min Deposit $500 Min Balance $500 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.15% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.63%
Share Certificates - 36 month	3.105%	3.15%	36 Months
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.15% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.63%
6 Month Early Saver Certificate	3.057%	3.10%	6 Months
Min Deposit $500 Min Balance $500 Details Available to Treasure Chest Savings, Power Up Fund, and Next Gen members only; Early Saver Certificate applies to Treasure Chest Savings, Power Up Fund, and Next Gen Accounts only Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.63%
6 Month Share Certificate	3.057%	3.10%	6 Months
Min Deposit $50,000 Min Balance $50,000 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.63%
6 Month Share Certificate	3.057%	3.10%	6 Months
Min Deposit $100,000 Min Balance $100,000 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.63%
Share Certificates - 6 month	3.057%	3.10%	6 Months
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.63%
3 Month Early Saver Certificate	2.472%	2.50%	3 Months
Min Deposit $500 Min Balance $500 Details Available to Treasure Chest Savings, Power Up Fund, and Next Gen members only; Early Saver Certificate applies to Treasure Chest Savings, Power Up Fund, and Next Gen Accounts only Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.63%
3 Month Share Certificate	2.472%	2.50%	3 Months
Min Deposit $50,000 Min Balance $50,000 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.63%
3 Month Share Certificate	2.472%	2.50%	3 Months
Min Deposit $100,000 Min Balance $100,000 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.63%
Share Certificates - 3 month	2.472%	2.50%	3 Months
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.63%

Eagle Community Credit Union Savings Rates

Product	Rate	APY
Next Gen Savings	4.889%	5.00%
Min Deposit $5 Min Balance $5 Details Balance: $5 - $5000; Qualifying balance up to $5,000.00; Balances exceeding $5,000 earn 0.100% APY Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 5.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.63%
Access Savings	0.10%	0.10%
Min Deposit $25 Min Balance $100 Details Min. to Earn APY: $100 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.63%
Access Savings	0.10%	0.10%
Min Deposit $25 Min Balance $10,000 Details Min. to Earn APY: $10,000 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.63%
Treasure Chest Savings	0.10%	0.10%
Min Deposit $5 Min Balance $5 Details Balance: $5 minimum to earn APY; Youth account (ages 0-12) Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.63%
Treasure Chest Savings	0.10%	0.10%
Min Deposit $5 Min Balance $10,000 Details Balance: $10,000 minimum to earn APY; Youth account (ages 0-12) Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.63%

Eagle Community Credit Union Business Savings Rates

Product	Rate	APY
Premier Business Savings	1.49%	1.50%
Min Deposit $25 Min Balance $10,000 Details Min. to Earn APY: $10,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.63%
Premier Business Savings	0.499%	0.50%
Min Deposit $25 Min Balance $500 Details Min. to Earn APY: $500 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.63%

Eagle Community Credit Union Money Market Rates

Product	Rate	APY
Premium Advantage Money Market Account	0.847%	0.85%
Min Deposit $2,500 Min Balance $100,000 Details Min. to Earn APY: $100,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.85% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.63%
Premium Advantage Money Market Account	0.747%	0.75%
Min Deposit $2,500 Min Balance $50,000 Details Min. to Earn APY: $50,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.63%
Premium Advantage Money Market Account	0.648%	0.65%
Min Deposit $2,500 Min Balance $25,000 Details Min. to Earn APY: $25,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.65% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.63%
Premium Advantage Money Market Account	0.499%	0.50%
Min Deposit $2,500 Min Balance $10,000 Details Min. to Earn APY: $10,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.63%
Premium Advantage Money Market Account	0.449%	0.45%
Min Deposit $2,500 Min Balance $2,500 Details Min. to Earn APY: $2,500 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.45% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.63%

Eagle Community Credit Union Business Money Market Rates

Product	Rate	APY
Premier Business Money Market	2.96%	3.00%
Min Deposit $2,500 Min Balance $100,000 Details Min. to Earn APY: $100,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.63%
Premier Business Money Market	2.472%	2.50%
Min Deposit $2,500 Min Balance $50,000 Details Min. to Earn APY: $50,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.63%
Premier Business Money Market	1.982%	2.00%
Min Deposit $2,500 Min Balance $25,000 Details Min. to Earn APY: $25,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.63%
Premier Business Money Market	1.49%	1.50%
Min Deposit $2,500 Min Balance $10,000 Details Min. to Earn APY: $10,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.63%
Premier Business Money Market	0.499%	0.50%
Min Deposit $2,500 Min Balance $2,500 Details Min. to Earn APY: $2,500 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.63%

Eagle Community Credit Union Checking Rates

Product	Rate	APY
Ultimate Checking	0.03%	0.03%
Min Deposit $25 Min Balance $0 Details Balance: $0; Min. to Earn APY: $0 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.03% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.63%
Ultimate Checking	0.03%	0.03%
Min Deposit $25 Min Balance $10,000 Details Balance: $10,000 and over; Min. to Earn APY: $10,000 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.03% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.63%
Ultimate Checking	0.03%	0.03%
Min Deposit $25 Min Balance $100,000 Details Balance: $100,000 and over; Min. to Earn APY: $100,000 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.03% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.63%

Eagle Community Credit Union Business Checking Rates

Product	Rate	APY	View More
Premier Business Checking	1.982%	2.00%
Min Deposit $100 Min Balance $0 Details Min. to Earn APY: $0 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 2.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.63%

Eagle Community Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity Line of Credit (HELOC)	-	-	7.25%	30 Years
Details Maximum Rate: 18.00%; LTV: Up to 80%; 30-year term includes 15-year draw period and 15-year repayment period; Rate is Prime Rate plus margin, variable; minimum APR 3.50%; includes up to 0.25% autopay discount Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 7.00% → 7.25% ▲ 0.25 pts · high 7.25% / low 7.00% Sep 22, 20267.25%▲ from 7.00% Sep 14, 20267.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.63%

Eagle Community Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto	-	-	4.99%	Up to 60 Months
Details APR range: 4.99% - 15.99%; Financing: Up to 125%; Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 4.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.63%
New Auto	-	-	5.24%	61-72 Months
Details APR range: 5.24% - 10.99%; Financing: Up to 125%; Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 5.24% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.63%
Used Auto	-	-	5.24%	Up to 60 Months
Details APR range: 5.24% - 19.24%; Financing: Up to 125%; Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking; Rates increase 1% for vehicles over 5 years old and 2% for vehicles with more than 100,000 miles Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 5.24% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.63%
Used Auto	-	-	5.49%	61-72 Months
Details APR range: 5.49% - 14.24%; Financing: Up to 125%; Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking; Rates increase 1% for vehicles over 5 years old and 2% for vehicles with more than 100,000 miles Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 5.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.63%
New Auto	-	-	5.74%	73-84 Months
Details APR range: 5.74% - 11.99%; Financing: Up to 125%; Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 5.74% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.63%
Used Auto	-	-	5.99%	73-84 Months
Details APR range: 5.99% - 15.24%; Financing: Up to 125%; Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking; Rates increase 1% for vehicles over 5 years old and 2% for vehicles with more than 100,000 miles Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 5.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.63%

Eagle Community Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New or Used Motorcycle Loan	-	7.99%	Up to 48 Months
Details APR Range: 7.99% - 16.24%; Financing: Up to 100%; Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 7.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.63%
New or Used Boat Loan	-	8.00%	Up to 72 Months
Details APR range: 8.00% - 14.25%; Financing: Up to 100%; Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 8.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.63%
New or Used Recreational Vehicle Loan	-	8.00%	Up to 60 Months
Details APR range: 8.00% - 17.75%; Financing: Up to 100%; Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 8.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.63%
New or Used Recreational Vehicle Loan	-	8.00%	61 - 72 Months
Details APR range: 8.00% - 11.75%; Financing: Up to 100%; Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 8.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.63%
New or Used Boat Loan	-	8.25%	73 - 84 Months
Details APR range: 8.25% - 14.50%; Financing: Up to 100%; Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 8.25% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.63%
New or Used Recreational Vehicle Loan	-	8.25%	73 - 120 Months
Details APR range: 8.25% - 12.00%; Financing: Up to 100%; Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 8.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.63%
New or Used Motorcycle Loan	-	8.49%	49 - 84 Months
Details APR Range: 8.49% - 16.74%; Financing: Up to 100%; Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 8.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.63%
New or Used Personal Watercraft Loan	-	9.99%	Up to 48 Months
Details Published APR range: 9.99% - 18.24%. APR Range; Financing: Up to 100%; Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking; APR determined by credit qualifications Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 9.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.63%
New or Used Personal Watercraft Loan	-	10.49%	60 - 84 Months
Details Published APR range: 10.49% - 18.74%. APR Range; Financing: Up to 100%; Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking; APR determined by credit qualifications Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 10.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.63%

Eagle Community Credit Union Credit Card Rates

Product	Rate	APR	View More
Credit Cards	-	12.50%
Details As Low As; Featured Rates Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 12.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.63%

Eagle Community Credit Union Personal Loan Rates

Product	APR	Term
New or Used Personal Watercraft Loan	9.99%	Up to 48 Months
Details Published APR range: 9.99% - 18.24%. APR Range; Financing: Up to 100%; Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking; APR determined by credit qualifications Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 9.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.63%
New or Used Personal Watercraft Loan	10.49%	60 - 84 Months
Details Published APR range: 10.49% - 18.74%. APR Range; Financing: Up to 100%; Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking; APR determined by credit qualifications Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 10.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.63%
Personal Loan	11.49%	Up to 24 Months
Details APR range: 11.49% - 21.74%; Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 11.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.63%
Personal Loan	11.74%	25 - 36 Months
Details APR range: 11.74% - 21.99%; Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 11.74% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.63%
Personal Loan	11.99%	37 - 48 Months
Details APR range: 11.99% - 22.24%; Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 11.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.63%
Personal Loan	12.24%	49 - 60 Months
Details APR range: 12.24% - 22.49%; Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 12.24% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.63%
Personal Line of Credit	13.24%
Details APR range 13.24% - 23.49%; APR determined by credit qualifications; lowest listed rates include 0.25% discount for automatic payment from Eagle Checking Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 13.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.63%

Eagle Community Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Buy Now, Pay Later Loan	18.99%	-	18.99%	Up to 9 Months
Details As Low As; APR will vary based on loan amount and term selected. Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 18.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.63%
Energy Loan - 121 - 180 Months	-	-	6.99%	121-180 months
Details APR range: 6.99% - 9.945%; Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking; Energy Loan processing and third-party fees apply; Property must be owner-occupied primary residence located in California Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.63%
Energy Loan - 97 - 120 Months	-	-	6.49%	97-120 months
Details APR range: 6.49% - 9.869%; Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking; Energy Loan processing and third-party fees apply; Property must be owner-occupied primary residence located in California Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.63%
Energy Loan - Up to 96 Months	-	-	5.99%	Up to 96 Months
Details APR range: 5.99% - 10.851%; Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking; Energy Loan processing and third-party fees apply; Property must be owner-occupied primary residence located in California Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.63%
Holiday Loan	-	-	7.90%	12 Months
Details Published APR range: 7.90%-16.90%. APR range; APR determined by credit qualifications; available only during promotional periods Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 11.90% → 7.90% ▼ 4.00 pts · high 11.90% / low 7.90% Oct 13, 20267.90%▼ from 11.90% Sep 14, 202611.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.63%
New Manufactured Home Loan	-	-	8.10%	240 Months
Details Published APR range: 8.10% - 11.425%. APR range; LTV: 80%; Manufactured Home Loans include a $995 Prepaid Finance Charge; APR determined by credit qualifications Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 8.10% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.63%
Quick Cash Loan	28.00%	-	28.00%	Up to 36 Months
Details As Low As; Quick Cash loans include a $25.00 Prepaid Finance Charge; APR will vary based on loan amount and term selected Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 28.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.63%
Used Manufactured Home Loan	-	-	8.20%	240 Months
Details Published APR range: 8.20%-11.527%. Age / Year Built: Current - 1976; LTV: 80%; APR range; includes $995 Prepaid Finance Charge Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 8.20% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.63%
Used Manufactured Home Loan	-	-	9.20%	240 Months
Details Published APR range: 9.20% - 12.554%. Age / Year Built: 1975 or older; LTV: 80%; APR range; includes $995 Prepaid Finance Charge Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 9.20% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.63%
IRA Savings (SEP, Coverdell Education, Roth)	0.10%	-	0.10%
Min Deposit $100 Min Balance $100 Details Balance: $100 minimum to earn APY Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.63%
IRA Savings (SEP, Coverdell Education, Roth)	0.15%	-	0.15%
Min Deposit $100 Min Balance $100,000 Details Balance: $100,000 minimum to earn APY Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.63%
REWARDS+ Accounts	0.25%	-	0.25%
Min Deposit $25 Min Balance $0 Details Min. to Earn APY: $0.01 and up (if qualified) Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.63%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Eagle Community Credit Union’s Texas Ratio stayed near 3.36% in Q3 2023 to 3.63% 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	$409M	3.63%	5.0	A+
March 31, 2026	$411M	3.38%	5.0	A+
December 31, 2025	$393M	4.83%	5.0	A+
September 30, 2025	$370M	3.38%	5.0	A+
June 30, 2025	$358M	3.28%	5.0	A+
March 31, 2025	$366M	2.44%	5.0	A+
December 31, 2024	$357M	3.91%	5.0	A+
September 30, 2024	$357M	4.93%	5.0	A+
June 30, 2024	$359M	5.79%	5.0	A+
March 31, 2024	$363M	3.45%	5.0	A+
December 31, 2023	$352M	5.07%	5.0	A+
September 30, 2023	$366M	3.36%	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 Eagle Community 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 Eagle Community 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 Eagle Community Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Eagle Community Credit Union

Website https://www.eaglecu.org

Address 27042 Towne Centre Dr Ste 100, Foothill Ranch, CA 92610-2810

Phone 800-324-5328

Fax

President Philip Soulanille

CEO Michael Kim

Full-Time Employees 103

Part-Time Employees 5

Branch Locations 6

ATM Locations 6

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

3.63%

Return on Assets (ROA)

0.2804%

Return on Equity (ROE)

2.8289%

Non-Performing Loans Ratio (NPL)

0.49%

Total Assets

409,216,214

Total Amount of Shares and Deposits

362,672,594

Total Shares and Deposits < 1 Year

330,638,324

Total Shares and Deposits 1 3 Years

31,200,577

Total Shares and Deposits > 3 Years

833,693

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

19,137,328

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

44,964,828

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

317,707,766

Total Interest Expense (Sum of items 6 8)

3,384,309

Share Certificates

2,868

Number of Accounts for Share Drafts

16,537

IRA KEOGH Accounts

836

Number of Accounts for Regular Shares

17,010

Non Member Deposits

Money Market Shares

1,010

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)

34,464,100

Total Liabilities

368,963,410

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Eagle Community Credit Union earned the Verified Healthy badge

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Eagle Community Credit Union

Frequently Asked Questions About Eagle Community Credit Union

How many branches does Eagle Community Credit Union operate?

Eagle Community 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 Eagle Community Credit Union?

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

Does Eagle Community Credit Union offer online and mobile banking?

Most modern institutions like Eagle Community 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.eaglecu.org.

Current Eagle Community Credit Union Rates

12-Month CD3.25%
18-Month CD4.25%
24-Month CD3.25%
60-Month CD3.30%
Savings5.00%
MMA3.00%

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

Compare to Other Credit Unions

Eagle Community Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Eagle Community Credit Union Texas Ratio

Eagle Community Credit Union Health Trend

Eagle Community Credit Union CD Rates

Eagle Community Credit Union Savings Rates

Eagle Community Credit Union Business Savings Rates

Eagle Community Credit Union Money Market Rates

Eagle Community Credit Union Business Money Market Rates

Eagle Community Credit Union Checking Rates

Eagle Community Credit Union Business Checking Rates

Eagle Community Credit Union Home Equity & HELOC

Eagle Community Credit Union Auto Loan Rates

Eagle Community Credit Union RV, Boat and Powersport Loan Rates

Eagle Community Credit Union Credit Card Rates

Eagle Community Credit Union Personal Loan Rates

Eagle Community Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Eagle Community Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Eagle Community Credit Union

How many branches does Eagle Community Credit Union operate?

Is a member application needed to join Eagle Community Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Eagle Community Credit Union offer online and mobile banking?

Current Eagle Community Credit Union Rates

Compare to Other Credit Unions