What are the current interest rates at Eaton Family Credit Union?

Current rates for Eaton Family Credit Union include: 12-Month CD: 3.39%, 18-Month CD: 3.55%, 24-Month CD: 3.03%, 60-Month CD: 3.03%, MMA: 0.40%

MonitorBankRates

☰

Home›
Credit Unions›
Eaton Family Credit Union

iAdvertiser Disclosure

Eaton Family Credit Union Rates & Review August 2026

Q: Is a member application needed to join Eaton Family Credit Union?

Yes, to access services at Eaton Family 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, Eaton Family 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: August 28, 2026

Eaton Family Credit Union's 18 month CD of Deposit rates are at 3.55%, 12 month CD of Deposit rates are at 3.49%, 12 month bump CD of Deposit rates are at 3.39%, 60 month CD of Deposit rates are at 3.29%, 48 month CD of Deposit rates are at 3.18%. Eaton Family Credit Union's money market rates are at 0.40%. Eaton Family Credit Union's Personal Loan Rates are at 16.50%. MonitorBankRates evaluates the financial stability of Eaton Family Credit Union with a 5.0 Star Rating, an A- Overall Health Grade, and a Texas Ratio of 14.85%. Rates last updated and verified on 08/28/2026.

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

Overall Health & Safety Grade

A-

Very Good Health Score: 93/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

14.85%

Excellent Higher than avg

Eaton Family Credit Union
Eaton Family Credit Union

333 Babbitt Rd
Euclid, OH 44123 1647

https://www.eatonfamilycu.com

Eaton Family Credit Union CD Rates

Product	Rate	APY	Term
18 month Certificate of Deposit	3.50%	3.55%	18 month
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.85%
12 month Certificate of Deposit	3.45%	3.49%	12 month
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.85%
12 month bump Certificate of Deposit	3.35%	3.39%	12 month
Details Rates for the 12 Month Bump CD can be raised once anytime and renewed for another 12 months. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.85%
60 month Certificate of Deposit	3.25%	3.29%	60 month
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.85%
48 month Certificate of Deposit	3.15%	3.18%	48 month
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.85%
36 month Certificate of Deposit	3.05%	3.08%	36 month
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.85%
24 month Certificate of Deposit	3.00%	3.03%	24 month
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.85%
60 month bump Certificate of Deposit	3.00%	3.03%	60 month
Details Rates for the 60 Month Bump CD can be raised 3 times during the 5-year term. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.85%
6 month Certificate of Deposit	2.40%	2.42%	6 month
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.85%
3 month Certificate of Deposit	1.00%	1.00%	3 month
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.85%

Eaton Family Credit Union Savings Rates

Product	Rate	APY	View More
Holiday Club	0.04%	0.04%
Min Deposit $50 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.85%

Eaton Family Credit Union Money Market Rates

Product	Rate	APY
Money Market Account	1.65%	1.66%
Min Balance $100,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.85%
Money Market Account	1.40%	1.41%
Min Balance $75,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.85%
Money Market Account	1.30%	1.30%
Min Balance $25,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.85%
Money Market Account	1.00%	1.00%
Min Balance $10,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.85%
Money Market Account	0.90%	0.90%
Min Balance $5,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.85%
Money Market Account	0.40%	0.40%
Min Balance $2,500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.85%

Eaton Family Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Line of Credit	-	-	6.75%	5-year draw, 10-year repayment
Details As low as; variable; Promotional Rate of Prime minus 1.50% APR for the first 6 months of the loan, then Prime Rate + 0% for the remaining term, currently 6.75% APR with no application fee, closing costs or annual fee. This is a variable rate line of credit. Members may borrow up to 80% of the value of their home, less their first mortgage balance. Members borrowing greater than 80% are subject to the current rate plus a margin. This is a Variable Rate Line of Credit, indexed to the Prime Rate as published in the Wall Street Journal plus a margin determined by the Board of Directors. The interest rate on approved loans can change semi-annually on the first day of February and August. The rate will be determined 1 days prior to the change date. The maximum rate is 18.00% APR or that allowed by law. Members cancelling a Home Equity Line of Credit during the initial 5-year draw period will pay the remaining unamortized closing costs. Ohio residents only. Available only on Owner-Occupied Residence. Subject to credit approval from each member's individual credit quality. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.85%
Fixed Rate Home Equity Loans	-	-	7.75%
Details Currently as low as; This is a Fixed Rate Home Equity Loan. Current rate effective as of April 1, 2026 and is subject to change. Contact us for current rate. Loan is subject to credit approval based on each member's individual credit quality. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.85%
Home Equity Loan	-	-	7.75%	15 years
Details Fixed rates as low as 7.75% APR. Term up to 15 years. Available on properties nationwide. Home Equity Loans are fixed rate loans with rates currently as low as 6.75% APR, effective as of April 1, 2026 and are subject to change. Contact us for current rate. Loan is subject to credit approval based on each member's individual credit quality. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.85%
Home Equity Line of Credit	-	-	8.75%	Up to 15 years
Details As low as; fixed; Borrow on your home's value to realize your dreams: Improve your home, consolidate debts or splurge on a special vacation. Home Equity Lines of Credit offer a Promotional Rate of Prime minus 1.50% APR for the first 6 months of the loan, then Prime Rate + 0% for the remaining term, currently 6.75% APR with no a pplication fee, c closing costs or annual fee. *Current rate as of April 1, 2026. This is a variable rate line of credit. Members may borrow up to 80% of the value of their home, less their first mortgage balance. Members borrowing greater than 80% are subject to the current rate plus a margin. This is a Variable Rate Line of Credit, indexed to the Prime Rate as published in the Wall Street Journal plus a margin determined by the Board of Directors. The interest rate on approved loans can change semi-annually on the first day of February and August. The rate will be determined 1 days prior to the change date. The maximum rate is 18.00% APR or that allowed by law. Members cancelling a Home Equity Line of Credit during the initial 5-year draw period will pay the remaining unamortized closing costs. Ohio residents only. Available only on Owner-Occupied Residence. Subject to credit approval from each member's individual credit quality. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.85%

Eaton Family Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Passenger Vehicle Loan	-	-	4.74%	Up to 72 months
Details Rates are based on Member's individual credit quality and subject to change without notice. For new vehicles, we can finance up to 100% of the cost to purchase. As Low As; Rates subject to change with out notice. Please check with our Loan Department for current information. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.85%
New Vehicles & Motorcycles Loan	-	-	4.74%	up to 72 months
Details Rates as low as Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.85%
New Passenger Vehicle Loan	-	-	5.74%	Up to 84 months
Details Rates are based on Member's individual credit quality and subject to change without notice. For new vehicles, we can finance up to 100% of the cost to purchase. As Low As; Rates subject to change with out notice. Please check with our Loan Department for current information. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.85%
New Vehicles & Motorcycles Loan	-	-	5.74%	up to 84 months
Details Rates as low as Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.85%
Used Passenger Vehicle Loan	-	-	6.24%	Up to 72 months
Details Rates are based on Member's individual credit quality and subject to change without notice. For used vehicles, we lend based on the retail value plus options and mileage. As Low As; Rates subject to change with out notice. Please check with our Loan Department for current information. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.85%
Used Vehicles & Motorcycles Loan	-	-	6.24%	up to 72 months
Details Rates as low as Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.85%
Used Passenger Vehicle Loan	-	-	7.74%	Up to 72 months
Details Rates are based on Member's individual credit quality and subject to change without notice. For used vehicles, we lend based on the retail value plus options and mileage. As Low As; Rates subject to change with out notice. Please check with our Loan Department for current information. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.85%
Used Vehicles & Motorcycles Loan	-	-	7.74%	up to 72 months
Details Rates as low as Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.85%
Used Passenger Vehicle Loan	-	-	8.24%	Up to 72 months
Details Rates are based on Member's individual credit quality and subject to change without notice. For vehicles 7 years and older, we lend based on wholesale values. As Low As; Rates subject to change with out notice. Please check with our Loan Department for current information. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.85%
Used Vehicles & Motorcycles Loan	-	-	8.24%	up to 72 months
Details Rates as low as Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.85%
Used Passenger Vehicle Loan	-	-	9.24%	Up to 60 months
Details Rates are based on Member's individual credit quality and subject to change without notice. For vehicles 8 years and older or antique/classic vehicles, we lend based on wholesale values. As Low As; Rates subject to change with out notice. Please check with our Loan Department for current information. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.85%
Used Vehicles & Motorcycles Loan	-	-	9.24%	up to 60 months
Details Rates as low as Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.85%

Eaton Family Credit Union Student Loan Rates

Product	Rate	Points	APR	Term	View More
Education Loan	-	-	8.25%	2% of the balance
Details Rates as low as Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.85%

Eaton Family Credit Union Credit Card Rates

Product	Rate	APR
VISA Credit Card Secured	-	9.90%
Details fixed Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.85%
VISA Credit Card Platinum	-	10.65%
Details variable Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.85%
VISA Credit Card Classic	-	13.90%
Details fixed Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.85%

Eaton Family Credit Union Personal Loan Rates

Product	Rate	APR	View More
Personal Loans	-	16.50%
Details Rates are as low as 16.50% APR. Rates and terms are fixed for up to 60 months. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.85%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Eaton Family 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 Eaton Family 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 Eaton Family Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Eaton Family Credit Union

Website https://www.eatonfamilycu.com

Address 333 Babbitt Rd, Euclid, OH 44123 1647

Phone 216-920-2000

Fax 216-920-2030

President Gina Jackson

CEO Michael Losneck

Full-Time Employees 20

Part-Time Employees 2

Branch Locations 5

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- (93/100)

Texas Ratio

14.85%

Return on Assets (ROA)

0.0506%

Return on Equity (ROE)

0.4700%

Non-Performing Loans Ratio (NPL)

2.47%

Total Assets

77,380,736

Total Amount of Shares and Deposits

70,145,251

Total Shares and Deposits < 1 Year

64,350,471

Total Shares and Deposits 1 3 Years

3,034,555

Total Shares and Deposits > 3 Years

2,760,224

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

4,005,120

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

4,005,120

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

66,140,131

Total Interest Expense (Sum of items 6 8)

805,195

Share Certificates

490

Number of Accounts for Share Drafts

3,741

IRA KEOGH Accounts

185

Number of Accounts for Regular Shares

12,442

Money Market Shares

238

Net Income (unless the amount is already included in Undivided Earnings)

39,125

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)

2,830,988

Total Liabilities

70,140,342

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

There are no reviews for Eaton Family Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Eaton Family Credit Union

Frequently Asked Questions About Eaton Family Credit Union

How many branches does Eaton Family Credit Union operate?

Eaton Family 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 Eaton Family Credit Union?

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

Does Eaton Family Credit Union offer online and mobile banking?

Most modern institutions like Eaton Family 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.eatonfamilycu.com.