What are the current interest rates at Elko Federal Credit Union?

Current rates for Elko Federal Credit Union include: 12-Month CD: 3.56%, 24-Month CD: 2.68%, Savings: 2.02%, MMA: 2.02%

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Elko Federal Credit Union

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Elko Federal Credit Union Rates & Review October 2026

Q: What CD terms does Elko Federal Credit Union offer?

The Elko Federal Credit Union CD terms we track include 3 month, 6 month, 9 month, 12 month and 2 year terms, with rates from 2.02% to 3.82% APY. The institution may offer other terms or specials that are not listed here, so check with Elko Federal Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 23, 2026

Elko Federal Credit Union's Term CD - 6 Month rates are at 3.82%, Term CD - 12 Month rates are at 3.56%, Term CD - 9 Month rates are at 3.56%, Term CD - 24 Month rates are at 2.68%, Term CD - 3 Month rates are at 2.02%. Elko Federal Credit Union's savings rates are at 2.02%. Elko Federal Credit Union's money market rates are at 2.02%. Elko Federal Credit Union's Personal Loan Rates are as low as 9.55%. MonitorBankRates evaluates the financial stability of Elko Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.56%. Rates last updated and verified on 10/23/2026.

Elko Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Elko Federal Credit Union? Share your experience about Elko Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Elko Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.56%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Elko Federal Credit Union
Elko

2397 Mountain City Hwy
Elko, NV 89801

https://www.elkofcu.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.

Elko Federal Credit Union CD Rates

Product	Rate	APY	Term
Term Share Certificate - 6 Month	3.75%	3.82%	6 Month
Min Deposit $1,000 Last Updated 10/23/2026 Rate History No change since Oct 15, 2026 · 3.82% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Term Share Certificate - 12 Month	3.50%	3.56%	12 Month
Min Deposit $1,000 Last Updated 10/23/2026 Rate History No change since Oct 15, 2026 · 3.56% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Term Share Certificate - 9 Month	3.50%	3.56%	9 Month
Min Deposit $1,000 Last Updated 10/23/2026 Rate History No change since Oct 15, 2026 · 3.56% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Term Share Certificate - 24 Month	2.65%	2.68%	24 Month
Min Deposit $1,000 Last Updated 10/23/2026 Rate History No change since Oct 15, 2026 · 2.68% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Term Share Certificate - 3 Month	2.00%	2.02%	3 Month
Min Deposit $1,000 Last Updated 10/23/2026 Rate History No change since Oct 15, 2026 · 2.02% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Term Share Certificate - 30 Month	2.00%	2.02%	30 Month
Min Deposit $1,000 Last Updated 10/23/2026 Rate History No change since Oct 15, 2026 · 2.02% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Term Share Certificate - 36 Month	2.00%	2.02%	36 Month
Min Deposit $1,000 Last Updated 10/23/2026 Rate History No change since Oct 15, 2026 · 2.02% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%

Elko Federal Credit Union Savings Rates

Product	Rate	APY
IRA Share Savings Account	2.00%	2.02%
No additional details. Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 2.02% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Christmas Club Account	0.35%	0.35%
Min Balance $100 Details Minimum balance of $100.00 required to earn dividends Last Updated 10/23/2026 Rate History No change since Oct 13, 2026 · 0.35% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Moola Moola Kids Club Account	0.35%	0.35%
Min Balance $25 Details Minimum balance of $25.00 required to earn dividends Last Updated 10/23/2026 Rate History No change since Oct 13, 2026 · 0.35% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Share Savings Account	0.35%	0.35%
Min Balance $100 Details Minimum balance of $100.00 required to earn dividends Last Updated 10/23/2026 Rate History No change since Oct 13, 2026 · 0.35% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Student Share Savings Account	0.35%	0.35%
Min Balance $25 Details Minimum balance of $25.00 required to earn dividends Last Updated 10/23/2026 Rate History No change since Oct 13, 2026 · 0.35% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Vacation Club Account	0.35%	0.35%
Min Balance $100 Details Minimum balance of $100.00 required to earn dividends Last Updated 10/23/2026 Rate History No change since Oct 13, 2026 · 0.35% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%

Elko Federal Credit Union Money Market Rates

Product	Rate	APY	View More
Money Market Account	2.00%	2.02%
Min Balance $250,000 Details Tier Six; Balance: $250,000 and above Last Updated 10/23/2026 Rate History No change since Oct 5, 2026 · 2.02% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%

Elko Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto - 2023 or Newer	5.20%	-	5.20%	24 months
Details Credit Score: 720+ Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 5.20% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
New Auto - 2023 or Newer	5.45%	-	5.45%	24 months
Details Credit Score: 680-719 Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 5.45% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
New Auto - 2023 or Newer	5.49%	-	5.49%	36 months
Details Credit Score: 720+ Last Updated 10/23/2026 Rate History 1 change since Sep 14, 2026 · 5.74% → 5.49% ▼ 0.25 pts · high 5.74% / low 5.49% Sep 17, 20265.49%▼ from 5.74% Sep 14, 20265.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
New Auto - 2023 or Newer	5.49%	-	5.49%	48 months
Details Credit Score: 720+ Last Updated 10/23/2026 Rate History 1 change since Sep 14, 2026 · 5.99% → 5.49% ▼ 0.50 pts · high 5.99% / low 5.49% Sep 17, 20265.49%▼ from 5.99% Sep 14, 20265.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
New Auto - 2023 or Newer	5.49%	-	5.49%	60 months
Details Credit Score: 720+ Last Updated 10/23/2026 Rate History 1 change since Sep 14, 2026 · 6.24% → 5.49% ▼ 0.75 pts · high 6.24% / low 5.49% Sep 17, 20265.49%▼ from 6.24% Sep 14, 20266.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
New Auto - 2023 or Newer	5.65%	-	5.65%	72 months
Details Credit Score: 720+ Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 5.65% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Used Auto - 2016 to 2022	-	-	5.70%	24 months
Details Score: 720+ Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 5.70% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
New Auto - 2023 or Newer	5.74%	-	5.74%	36 months
Details Credit Score: 680-719 Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 5.74% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Used Auto - 2016 to 2022	-	-	5.95%	24 months
Details Score: 680-719 Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 5.95% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Used Auto - 2016 to 2022	-	-	5.99%	36 months
Details Score: 720+ Last Updated 10/23/2026 Rate History 1 change since Sep 14, 2026 · 6.24% → 5.99% ▼ 0.25 pts · high 6.24% / low 5.99% Sep 17, 20265.99%▼ from 6.24% Sep 14, 20266.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Used Auto - 2016 to 2022	-	-	5.99%	48 months
Details Score: 720+ Last Updated 10/23/2026 Rate History 1 change since Sep 14, 2026 · 6.49% → 5.99% ▼ 0.50 pts · high 6.49% / low 5.99% Sep 17, 20265.99%▼ from 6.49% Sep 14, 20266.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Used Auto - 2016 to 2022	-	-	5.99%	60 months
Details Score: 720+ Last Updated 10/23/2026 Rate History 1 change since Sep 14, 2026 · 6.74% → 5.99% ▼ 0.75 pts · high 6.74% / low 5.99% Sep 17, 20265.99%▼ from 6.74% Sep 14, 20266.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Used Auto - 2016 to 2022	-	-	6.15%	72 months
Details Score: 720+ Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 6.15% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
New Auto - 2023 or Newer	6.24%	-	6.24%	60 months
Details Credit Score: 680-719 Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 6.24% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Used Auto - 2016 to 2022	-	-	6.24%	36 months
Details Score: 680-719 Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 6.24% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
New Auto - 2023 or Newer	6.40%	-	6.40%	72 months
Details Credit Score: 680-719 Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 6.40% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
New Auto - 2023 or Newer	6.49%	-	6.49%	84 months
Details Credit Score: 720+ Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 6.49% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Used Auto - 2016 to 2022	-	-	6.49%	48 months
Details Score: 680-719 Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 6.49% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Used Auto - 2016 to 2022	-	-	6.74%	60 months
Details Score: 680-719 Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 6.74% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
New Auto - 2023 or Newer	6.90%	-	6.90%	24 months
Details Credit Score: 640-679 Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 6.90% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Used Auto - 2016 to 2022	-	-	6.90%	72 months
Details Score: 680-719 Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 6.90% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
New Auto - 2023 or Newer	7.25%	-	7.25%	36 months
Details Credit Score: 640-679 Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 7.25% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
New Auto - 2023 or Newer	7.49%	-	7.49%	84 months
Details Credit Score: 680-719 Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 7.49% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
New Auto - 2023 or Newer	7.50%	-	7.50%	48 months
Details Credit Score: 640-679 Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 7.50% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Used Auto - 2016 to 2022	-	-	7.60%	24 months
Details Score: 640-679 Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 7.60% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
New Auto - 2023 or Newer	7.75%	-	7.75%	60 months
Details Credit Score: 640-679 Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 7.75% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Used Auto - 2016 to 2022	-	-	7.85%	36 months
Details Score: 640-679 Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 7.85% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Used Auto - 2016 to 2022	-	-	8.10%	48 months
Details Score: 640-679 Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 8.10% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Used Auto - 2016 to 2022	-	-	8.35%	60 months
Details Score: 640-679 Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 8.35% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
New Auto - 2023 or Newer	8.44%	-	8.44%	72 months
Details Credit Score: 640-679 Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 8.44% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Used Auto - 2016 to 2022	-	-	8.84%	72 months
Details Score: 640-679 Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 8.84% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
New Auto - 2023 or Newer	11.25%	-	11.25%	24 months
Details Credit Score: 600-639 Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 11.25% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
New Auto - 2023 or Newer	11.40%	-	11.40%	36 months
Details Credit Score: 600-639 Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 11.40% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
New Auto - 2023 or Newer	11.75%	-	11.75%	48 months
Details Credit Score: 600-639 Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 11.75% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Used Auto - 2016 to 2022	-	-	11.85%	24 months
Details Score: 600-639 Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 11.85% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
New Auto - 2023 or Newer	12.00%	-	12.00%	60 months
Details Credit Score: 600-639 Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 12.00% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Used Auto - 2016 to 2022	-	-	12.10%	36 months
Details Score: 600-639 Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 12.10% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
New Auto - 2023 or Newer	12.25%	-	12.25%	72 months
Details Credit Score: 600-639 Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 12.25% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Used Auto - 2016 to 2022	-	-	12.35%	48 months
Details Score: 600-639 Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 12.35% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Used Auto - 2016 to 2022	-	-	12.60%	60 months
Details Score: 600-639 Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 12.60% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
New Auto - 2023 or Newer	13.05%	-	13.05%	24 months
Details Credit Score: 580-599 Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 13.05% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
New Auto - 2023 or Newer	13.10%	-	13.10%	36 months
Details Credit Score: 580-599 Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 13.10% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
New Auto - 2023 or Newer	13.35%	-	13.35%	48 months
Details Credit Score: 580-599 Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 13.35% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
New Auto - 2023 or Newer	13.60%	-	13.60%	60 months
Details Credit Score: 580-599 Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 13.60% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Used Auto - 2016 to 2022	-	-	14.15%	24 months
Details Score: 580-599 Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 14.15% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Used Auto - 2016 to 2022	-	-	14.65%	36 months
Details Score: 580-599 Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 14.65% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
New Auto - 2023 or Newer	15.80%	-	15.80%	24 months
Details Credit Score: Under 579 Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 15.80% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
New Auto - 2023 or Newer	16.30%	-	16.30%	36 months
Details Credit Score: Under 579 Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 16.30% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
New Auto - 2023 or Newer	16.55%	-	16.55%	48 months
Details Credit Score: Under 579 Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 16.55% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Used Auto - 2016 to 2022	-	-	16.65%	48 months
Details Score: 580-599 Last Updated 10/23/2026 Rate History 1 change since Sep 14, 2026 · 12.35% → 16.65% ▲ 4.30 pts · high 16.65% / low 12.35% Sep 17, 202616.65%▲ from 12.35% Sep 14, 202612.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Used Auto - 2016 to 2022	-	-	16.65%	24 months
Details Score: Under 579 Last Updated 10/23/2026 Rate History 1 change since Sep 14, 2026 · 14.15% → 16.65% ▲ 2.50 pts · high 16.65% / low 14.15% Sep 17, 202616.65%▲ from 14.15% Sep 14, 202614.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
New Auto - 2023 or Newer	16.80%	-	16.80%	60 months
Details Credit Score: Under 579 Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 16.80% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Used Auto - 2016 to 2022	-	-	17.40%	36 months
Details Score: Under 579 Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 17.40% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Used Auto - 2016 to 2022	-	-	17.65%	60 months
Details Score: 580-599 Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 17.65% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%

Elko Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New Recreational Vehicles - 2023 or Newer	7.35%	7.35%	24 months
Details Score: 720+; Vehicles: RV, Motorhome, Boat, Motorcycle, ATV, Jet Ski, Snowmobile, Horse Trailer Last Updated 10/23/2026 Rate History No change since Sep 17, 2026 · 7.35% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
New Recreational Vehicles - 2023 or Newer	7.35%	7.35%	36 months
Details Score: 720+; Vehicles: RV, Motorhome, Boat, Motorcycle, ATV, Jet Ski, Snowmobile, Horse Trailer Last Updated 10/23/2026 Rate History No change since Sep 17, 2026 · 7.35% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
New Recreational Vehicles - 2023 or Newer	7.35%	7.35%	48 months
Details Score: 720+; Vehicles: RV, Motorhome, Boat, Motorcycle, ATV, Jet Ski, Snowmobile, Horse Trailer Last Updated 10/23/2026 Rate History No change since Sep 17, 2026 · 7.35% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
New Recreational Vehicles - 2023 or Newer	7.60%	7.60%	60 months
Details Score: 720+; Vehicles: RV, Motorhome, Boat, Motorcycle, ATV, Jet Ski, Snowmobile, Horse Trailer Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 7.60% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
New Recreational Vehicles - 2023 or Newer	7.85%	7.85%	24 months
Details Score: 680-719; Vehicles: RV, Motorhome, Boat, Motorcycle, ATV, Jet Ski, Snowmobile, Horse Trailer Last Updated 10/23/2026 Rate History No change since Sep 17, 2026 · 7.85% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
New Recreational Vehicles - 2023 or Newer	7.85%	7.85%	36 months
Details Score: 680-719; Vehicles: RV, Motorhome, Boat, Motorcycle, ATV, Jet Ski, Snowmobile, Horse Trailer Last Updated 10/23/2026 Rate History No change since Sep 17, 2026 · 7.85% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
New Recreational Vehicles - 2023 or Newer	7.85%	7.85%	48 months
Details Score: 680-719; Vehicles: RV, Motorhome, Boat, Motorcycle, ATV, Jet Ski, Snowmobile, Horse Trailer Last Updated 10/23/2026 Rate History No change since Sep 17, 2026 · 7.85% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
New Recreational Vehicles - 2023 or Newer	8.10%	8.10%	60 months
Details Score: 680-719; Vehicles: RV, Motorhome, Boat, Motorcycle, ATV, Jet Ski, Snowmobile, Horse Trailer Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 8.10% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
New Recreational Vehicles - 2023 or Newer	8.35%	8.35%	72 months
Details Score: 720+; Vehicles: RV, Motorhome, Boat, Motorcycle, ATV, Jet Ski, Snowmobile, Horse Trailer Last Updated 10/23/2026 Rate History 1 change since Sep 14, 2026 · 13.70% → 8.35% ▼ 5.35 pts · high 13.70% / low 8.35% Sep 17, 20268.35%▼ from 13.70% Sep 14, 202613.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
New Recreational Vehicles - 2023 or Newer	8.35%	8.35%	84 months
Details Score: 720+; Vehicles: RV, Motorhome, Boat, Motorcycle, ATV, Jet Ski, Snowmobile, Horse Trailer Last Updated 10/23/2026 Rate History 1 change since Sep 14, 2026 · 14.20% → 8.35% ▼ 5.85 pts · high 14.20% / low 8.35% Sep 17, 20268.35%▼ from 14.20% Sep 14, 202614.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
New Recreational Vehicles - 2023 or Newer	8.35%	8.35%	120 months
Details Score: 720+; Vehicles: RV, Motorhome, Boat, Motorcycle, ATV, Jet Ski, Snowmobile, Horse Trailer Last Updated 10/23/2026 Rate History 1 change since Sep 14, 2026 · 14.70% → 8.35% ▼ 6.35 pts · high 14.70% / low 8.35% Sep 17, 20268.35%▼ from 14.70% Sep 14, 202614.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
New Recreational Vehicles - 2023 or Newer	8.35%	8.35%	144 months
Details Score: 720+; Vehicles: RV, Motorhome, Boat, Motorcycle, ATV, Jet Ski, Snowmobile, Horse Trailer Last Updated 10/23/2026 Rate History No change since Sep 17, 2026 · 8.35% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
New Recreational Vehicles - 2023 or Newer	8.35%	8.35%	180 months
Details Score: 720+; Vehicles: RV, Motorhome, Boat, Motorcycle, ATV, Jet Ski, Snowmobile, Horse Trailer Last Updated 10/23/2026 Rate History No change since Sep 17, 2026 · 8.35% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Used Recreational Vehicles - 2016 to 2022	8.45%	8.45%	24 months
Details Score: 720+; Includes RV, Motorhome, Boat, Motorcycle, ATV, Jet Ski, Snowmobile, Horse Trailer Last Updated 10/23/2026 Rate History 1 change since Sep 14, 2026 · 10.20% → 8.45% ▼ 1.75 pts · high 10.20% / low 8.45% Sep 18, 20268.45%▼ from 10.20% Sep 14, 202610.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Used Recreational Vehicles - 2016 to 2022	8.45%	8.45%	36 months
Details Score: 720+; Includes RV, Motorhome, Boat, Motorcycle, ATV, Jet Ski, Snowmobile, Horse Trailer Last Updated 10/23/2026 Rate History 1 change since Sep 14, 2026 · 16.75% → 8.45% ▼ 8.30 pts · high 16.75% / low 8.45% Sep 18, 20268.45%▼ from 16.75% Sep 14, 202616.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Used Recreational Vehicles - 2016 to 2022	8.95%	8.95%	24 months
Details Score: 680-719; Includes RV, Motorhome, Boat, Motorcycle, ATV, Jet Ski, Snowmobile, Horse Trailer Last Updated 10/23/2026 Rate History 1 change since Sep 14, 2026 · 10.20% → 8.95% ▼ 1.25 pts · high 10.20% / low 8.95% Sep 18, 20268.95%▼ from 10.20% Sep 14, 202610.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Used Recreational Vehicles - 2016 to 2022	8.95%	8.95%	36 months
Details Score: 680-719; Includes RV, Motorhome, Boat, Motorcycle, ATV, Jet Ski, Snowmobile, Horse Trailer Last Updated 10/23/2026 Rate History 1 change since Sep 14, 2026 · 16.75% → 8.95% ▼ 7.80 pts · high 16.75% / low 8.95% Sep 18, 20268.95%▼ from 16.75% Sep 14, 202616.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
New Recreational Vehicles - 2023 or Newer	9.20%	9.20%	24 months
Details Score: 640-679; Vehicles: RV, Motorhome, Boat, Motorcycle, ATV, Jet Ski, Snowmobile, Horse Trailer Last Updated 10/23/2026 Rate History No change since Sep 17, 2026 · 9.20% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
New Recreational Vehicles - 2023 or Newer	9.20%	9.20%	36 months
Details Score: 640-679; Vehicles: RV, Motorhome, Boat, Motorcycle, ATV, Jet Ski, Snowmobile, Horse Trailer Last Updated 10/23/2026 Rate History No change since Sep 17, 2026 · 9.20% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
New Recreational Vehicles - 2023 or Newer	9.45%	9.45%	72 months
Details Score: 680-719; Vehicles: RV, Motorhome, Boat, Motorcycle, ATV, Jet Ski, Snowmobile, Horse Trailer Last Updated 10/23/2026 Rate History 1 change since Sep 14, 2026 · 13.70% → 9.45% ▼ 4.25 pts · high 13.70% / low 9.45% Sep 17, 20269.45%▼ from 13.70% Sep 14, 202613.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
New Recreational Vehicles - 2023 or Newer	9.45%	9.45%	84 months
Details Score: 680-719; Vehicles: RV, Motorhome, Boat, Motorcycle, ATV, Jet Ski, Snowmobile, Horse Trailer Last Updated 10/23/2026 Rate History 1 change since Sep 14, 2026 · 14.20% → 9.45% ▼ 4.75 pts · high 14.20% / low 9.45% Sep 17, 20269.45%▼ from 14.20% Sep 14, 202614.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
New Recreational Vehicles - 2023 or Newer	9.45%	9.45%	120 months
Details Score: 680-719; Vehicles: RV, Motorhome, Boat, Motorcycle, ATV, Jet Ski, Snowmobile, Horse Trailer Last Updated 10/23/2026 Rate History 1 change since Sep 14, 2026 · 14.70% → 9.45% ▼ 5.25 pts · high 14.70% / low 9.45% Sep 17, 20269.45%▼ from 14.70% Sep 14, 202614.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
New Recreational Vehicles - 2023 or Newer	9.45%	9.45%	144 months
Details Score: 680-719; Vehicles: RV, Motorhome, Boat, Motorcycle, ATV, Jet Ski, Snowmobile, Horse Trailer Last Updated 10/23/2026 Rate History No change since Sep 17, 2026 · 9.45% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
New Recreational Vehicles - 2023 or Newer	9.45%	9.45%	180 months
Details Score: 680-719; Vehicles: RV, Motorhome, Boat, Motorcycle, ATV, Jet Ski, Snowmobile, Horse Trailer Last Updated 10/23/2026 Rate History 1 change since Sep 17, 2026 · 8.35% → 9.45% ▲ 1.10 pts · high 9.45% / low 8.35% Oct 5, 20269.45%▲ from 8.35% Sep 17, 20268.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
New Recreational Vehicles - 2023 or Newer	9.45%	9.45%	48 months
Details Score: 640-679; Vehicles: RV, Motorhome, Boat, Motorcycle, ATV, Jet Ski, Snowmobile, Horse Trailer Last Updated 10/23/2026 Rate History No change since Sep 17, 2026 · 9.45% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
New Recreational Vehicles - 2023 or Newer	9.45%	9.45%	60 months
Details Score: 640-679; Vehicles: RV, Motorhome, Boat, Motorcycle, ATV, Jet Ski, Snowmobile, Horse Trailer Last Updated 10/23/2026 Rate History 1 change since Sep 14, 2026 · 8.10% → 9.45% ▲ 1.35 pts · high 9.45% / low 8.10% Sep 17, 20269.45%▲ from 8.10% Sep 14, 20268.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Used Recreational Vehicles - 2016 to 2022	9.45%	9.45%	48 months
Details Score: 720+; Includes RV, Motorhome, Boat, Motorcycle, ATV, Jet Ski, Snowmobile, Horse Trailer Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 9.45% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
New Recreational Vehicles - 2023 or Newer	9.85%	9.85%	84 months
Details Score: 640-679; Vehicles: RV, Motorhome, Boat, Motorcycle, ATV, Jet Ski, Snowmobile, Horse Trailer Last Updated 10/23/2026 Rate History 1 change since Sep 14, 2026 · 14.20% → 9.85% ▼ 4.35 pts · high 14.20% / low 9.85% Sep 17, 20269.85%▼ from 14.20% Sep 14, 202614.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
New Recreational Vehicles - 2023 or Newer	9.85%	9.85%	120 months
Details Score: 640-679; Vehicles: RV, Motorhome, Boat, Motorcycle, ATV, Jet Ski, Snowmobile, Horse Trailer Last Updated 10/23/2026 Rate History 2 changes since Sep 14, 2026 · 14.70% → 9.85% ▼ 4.85 pts · high 14.70% / low 9.45% Sep 21, 20269.85%▲ from 9.45% Sep 17, 20269.45%▼ from 14.70% Sep 14, 202614.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
New Recreational Vehicles - 2023 or Newer	9.85%	9.85%	144 months
Details Score: 640-679; Vehicles: RV, Motorhome, Boat, Motorcycle, ATV, Jet Ski, Snowmobile, Horse Trailer Last Updated 10/23/2026 Rate History 1 change since Sep 17, 2026 · 9.45% → 9.85% ▲ 0.40 pts · high 9.85% / low 9.45% Oct 5, 20269.85%▲ from 9.45% Sep 17, 20269.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
New Recreational Vehicles - 2023 or Newer	9.85%	9.85%	72 months
Details Score: 640-679; Vehicles: RV, Motorhome, Boat, Motorcycle, ATV, Jet Ski, Snowmobile, Horse Trailer Last Updated 10/23/2026 Rate History 1 change since Sep 14, 2026 · 13.70% → 9.85% ▼ 3.85 pts · high 13.70% / low 9.85% Sep 17, 20269.85%▼ from 13.70% Sep 14, 202613.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Used Recreational Vehicles - 2016 to 2022	9.95%	9.95%	48 months
Details Score: 680-719; Includes RV, Motorhome, Boat, Motorcycle, ATV, Jet Ski, Snowmobile, Horse Trailer Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 9.95% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Used Recreational Vehicles - 2016 to 2022	10.20%	10.20%	24 months
Details Score: 640-679; Includes RV, Motorhome, Boat, Motorcycle, ATV, Jet Ski, Snowmobile, Horse Trailer Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 10.20% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Used Recreational Vehicles - 2016 to 2022	10.45%	10.45%	60 months
Details Score: 720+; Includes RV, Motorhome, Boat, Motorcycle, ATV, Jet Ski, Snowmobile, Horse Trailer Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 10.45% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Used Recreational Vehicles - 2016 to 2022	10.70%	10.70%	72 months
Details Score: 720+; Includes RV, Motorhome, Boat, Motorcycle, ATV, Jet Ski, Snowmobile, Horse Trailer Last Updated 10/23/2026 Rate History 1 change since Sep 14, 2026 · 12.70% → 10.70% ▼ 2.00 pts · high 12.70% / low 10.70% Sep 18, 202610.70%▼ from 12.70% Sep 14, 202612.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Used Recreational Vehicles - 2016 to 2022	10.70%	10.70%	36 months
Details Score: 640-679; Includes RV, Motorhome, Boat, Motorcycle, ATV, Jet Ski, Snowmobile, Horse Trailer Last Updated 10/23/2026 Rate History 1 change since Sep 14, 2026 · 16.75% → 10.70% ▼ 6.05 pts · high 16.75% / low 10.70% Sep 18, 202610.70%▼ from 16.75% Sep 14, 202616.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Used Recreational Vehicles - 2016 to 2022	10.95%	10.95%	84 months
Details Score: 720+; Includes RV, Motorhome, Boat, Motorcycle, ATV, Jet Ski, Snowmobile, Horse Trailer Last Updated 10/23/2026 Rate History 1 change since Sep 14, 2026 · 11.45% → 10.95% ▼ 0.50 pts · high 11.45% / low 10.95% Sep 18, 202610.95%▼ from 11.45% Sep 14, 202611.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Used Recreational Vehicles - 2016 to 2022	10.95%	10.95%	60 months
Details Score: 680-719; Includes RV, Motorhome, Boat, Motorcycle, ATV, Jet Ski, Snowmobile, Horse Trailer Last Updated 10/23/2026 Rate History 1 change since Sep 14, 2026 · 10.45% → 10.95% ▲ 0.50 pts · high 10.95% / low 10.45% Sep 18, 202610.95%▲ from 10.45% Sep 14, 202610.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Used Recreational Vehicles - 2016 to 2022	11.20%	11.20%	120 months
Details Score: 720+; Includes RV, Motorhome, Boat, Motorcycle, ATV, Jet Ski, Snowmobile, Horse Trailer Last Updated 10/23/2026 Rate History 1 change since Sep 14, 2026 · 11.95% → 11.20% ▼ 0.75 pts · high 11.95% / low 11.20% Sep 18, 202611.20%▼ from 11.95% Sep 14, 202611.95%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Used Recreational Vehicles - 2016 to 2022	11.20%	11.20%	72 months
Details Score: 680-719; Includes RV, Motorhome, Boat, Motorcycle, ATV, Jet Ski, Snowmobile, Horse Trailer Last Updated 10/23/2026 Rate History 1 change since Sep 14, 2026 · 12.70% → 11.20% ▼ 1.50 pts · high 12.70% / low 11.20% Sep 18, 202611.20%▼ from 12.70% Sep 14, 202612.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Used Recreational Vehicles - 2016 to 2022	11.20%	11.20%	48 months
Details Score: 640-679; Includes RV, Motorhome, Boat, Motorcycle, ATV, Jet Ski, Snowmobile, Horse Trailer Last Updated 10/23/2026 Rate History 1 change since Sep 14, 2026 · 9.95% → 11.20% ▲ 1.25 pts · high 11.20% / low 9.95% Sep 18, 202611.20%▲ from 9.95% Sep 14, 20269.95%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Used Recreational Vehicles - 2016 to 2022	11.45%	11.45%	84 months
Details Score: 680-719; Includes RV, Motorhome, Boat, Motorcycle, ATV, Jet Ski, Snowmobile, Horse Trailer Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 11.45% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Used Recreational Vehicles - 2016 to 2022	11.70%	11.70%	60 months
Details Score: 640-679; Includes RV, Motorhome, Boat, Motorcycle, ATV, Jet Ski, Snowmobile, Horse Trailer Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 11.70% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Used Recreational Vehicles - 2016 to 2022	11.95%	11.95%	120 months
Details Score: 680-719; Includes RV, Motorhome, Boat, Motorcycle, ATV, Jet Ski, Snowmobile, Horse Trailer Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 11.95% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
New Recreational Vehicles - 2023 or Newer	12.45%	12.45%	24 months
Details Score: 600-639; Vehicles: RV, Motorhome, Boat, Motorcycle, ATV, Jet Ski, Snowmobile, Horse Trailer Last Updated 10/23/2026 Rate History 1 change since Sep 17, 2026 · 9.20% → 12.45% ▲ 3.25 pts · high 12.45% / low 9.20% Oct 5, 202612.45%▲ from 9.20% Sep 17, 20269.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
New Recreational Vehicles - 2023 or Newer	12.45%	12.45%	36 months
Details Score: 600-639; Vehicles: RV, Motorhome, Boat, Motorcycle, ATV, Jet Ski, Snowmobile, Horse Trailer Last Updated 10/23/2026 Rate History 1 change since Sep 17, 2026 · 9.20% → 12.45% ▲ 3.25 pts · high 12.45% / low 9.20% Oct 5, 202612.45%▲ from 9.20% Sep 17, 20269.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
New Recreational Vehicles - 2023 or Newer	12.45%	12.45%	48 months
Details Score: 600-639; Vehicles: RV, Motorhome, Boat, Motorcycle, ATV, Jet Ski, Snowmobile, Horse Trailer Last Updated 10/23/2026 Rate History 1 change since Sep 17, 2026 · 9.45% → 12.45% ▲ 3.00 pts · high 12.45% / low 9.45% Oct 5, 202612.45%▲ from 9.45% Sep 17, 20269.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Used Recreational Vehicles - 2016 to 2022	12.70%	12.70%	72 months
Details Score: 640-679; Includes RV, Motorhome, Boat, Motorcycle, ATV, Jet Ski, Snowmobile, Horse Trailer Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 12.70% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
New Recreational Vehicles - 2023 or Newer	12.95%	12.95%	60 months
Details Score: 600-639; Vehicles: RV, Motorhome, Boat, Motorcycle, ATV, Jet Ski, Snowmobile, Horse Trailer Last Updated 10/23/2026 Rate History 2 changes since Sep 14, 2026 · 8.10% → 12.95% ▲ 4.85 pts · high 12.95% / low 8.10% Oct 5, 202612.95%▲ from 9.45% Sep 17, 20269.45%▲ from 8.10% Sep 14, 20268.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Used Recreational Vehicles - 2016 to 2022	13.45%	13.45%	84 months
Details Score: 640-679; Includes RV, Motorhome, Boat, Motorcycle, ATV, Jet Ski, Snowmobile, Horse Trailer Last Updated 10/23/2026 Rate History 1 change since Sep 14, 2026 · 11.45% → 13.45% ▲ 2.00 pts · high 13.45% / low 11.45% Sep 18, 202613.45%▲ from 11.45% Sep 14, 202611.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Used Recreational Vehicles - 2016 to 2022	13.45%	13.45%	24 months
Details Score: 600-639; Includes RV, Motorhome, Boat, Motorcycle, ATV, Jet Ski, Snowmobile, Horse Trailer Last Updated 10/23/2026 Rate History 1 change since Sep 14, 2026 · 16.25% → 13.45% ▼ 2.80 pts · high 16.25% / low 13.45% Sep 18, 202613.45%▼ from 16.25% Sep 14, 202616.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Used Recreational Vehicles - 2016 to 2022	13.45%	13.45%	36 months
Details Score: 600-639; Includes RV, Motorhome, Boat, Motorcycle, ATV, Jet Ski, Snowmobile, Horse Trailer Last Updated 10/23/2026 Rate History 1 change since Sep 14, 2026 · 16.75% → 13.45% ▼ 3.30 pts · high 16.75% / low 13.45% Sep 18, 202613.45%▼ from 16.75% Sep 14, 202616.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Used Recreational Vehicles - 2016 to 2022	13.45%	13.45%	48 months
Details Score: 600-639; Includes RV, Motorhome, Boat, Motorcycle, ATV, Jet Ski, Snowmobile, Horse Trailer Last Updated 10/23/2026 Rate History 1 change since Sep 14, 2026 · 9.95% → 13.45% ▲ 3.50 pts · high 13.45% / low 9.95% Sep 18, 202613.45%▲ from 9.95% Sep 14, 20269.95%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
New Recreational Vehicles - 2023 or Newer	13.70%	13.70%	72 months
Details Score: 600-639; Vehicles: RV, Motorhome, Boat, Motorcycle, ATV, Jet Ski, Snowmobile, Horse Trailer Last Updated 10/23/2026 Rate History 2 changes since Sep 14, 2026 · 13.70% → 13.70% ▼ 0.00 pts · high 13.70% / low 9.85% Oct 5, 202613.70%▲ from 9.85% Sep 17, 20269.85%▼ from 13.70% Sep 14, 202613.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Used Recreational Vehicles - 2016 to 2022	13.95%	13.95%	60 months
Details Score: 600-639; Includes RV, Motorhome, Boat, Motorcycle, ATV, Jet Ski, Snowmobile, Horse Trailer Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 13.95% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
New Recreational Vehicles - 2023 or Newer	14.20%	14.20%	84 months
Details Score: 600-639; Vehicles: RV, Motorhome, Boat, Motorcycle, ATV, Jet Ski, Snowmobile, Horse Trailer Last Updated 10/23/2026 Rate History 2 changes since Sep 14, 2026 · 14.20% → 14.20% ▼ 0.00 pts · high 14.20% / low 9.85% Oct 5, 202614.20%▲ from 9.85% Sep 17, 20269.85%▼ from 14.20% Sep 14, 202614.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
New Recreational Vehicles - 2023 or Newer	14.70%	14.70%	120 months
Details Score: 600-639; Vehicles: RV, Motorhome, Boat, Motorcycle, ATV, Jet Ski, Snowmobile, Horse Trailer Last Updated 10/23/2026 Rate History 3 changes since Sep 14, 2026 · 14.70% → 14.70% ▼ 0.00 pts · high 14.70% / low 9.45% Oct 5, 202614.70%▲ from 9.85% Sep 21, 20269.85%▲ from 9.45% Sep 17, 20269.45%▼ from 14.70% Sep 14, 202614.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Used Recreational Vehicles - 2016 to 2022	14.70%	14.70%	72 months
Details Score: 600-639; Includes RV, Motorhome, Boat, Motorcycle, ATV, Jet Ski, Snowmobile, Horse Trailer Last Updated 10/23/2026 Rate History 1 change since Sep 14, 2026 · 12.70% → 14.70% ▲ 2.00 pts · high 14.70% / low 12.70% Oct 9, 202614.70%▲ from 12.70% Sep 14, 202612.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Used Recreational Vehicles - 2016 to 2022	16.25%	16.25%	24 months
Details Score: 580-599; Includes RV, Motorhome, Boat, Motorcycle, ATV, Jet Ski, Snowmobile, Horse Trailer Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 16.25% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Used Recreational Vehicles - 2016 to 2022	16.75%	16.75%	36 months
Details Score: 580-599; Includes RV, Motorhome, Boat, Motorcycle, ATV, Jet Ski, Snowmobile, Horse Trailer Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 16.75% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
New Recreational Vehicles - 2023 or Newer	16.80%	16.80%	24 months
Details Score: 580-599; Vehicles: RV, Motorhome, Boat, Motorcycle, ATV, Jet Ski, Snowmobile, Horse Trailer Last Updated 10/23/2026 Rate History No change since Sep 17, 2026 · 16.80% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
New Recreational Vehicles - 2023 or Newer	16.80%	16.80%	36 months
Details Score: 580-599; Vehicles: RV, Motorhome, Boat, Motorcycle, ATV, Jet Ski, Snowmobile, Horse Trailer Last Updated 10/23/2026 Rate History No change since Sep 17, 2026 · 16.80% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
New Recreational Vehicles - 2023 or Newer	16.80%	16.80%	48 months
Details Score: 580-599; Vehicles: RV, Motorhome, Boat, Motorcycle, ATV, Jet Ski, Snowmobile, Horse Trailer Last Updated 10/23/2026 Rate History No change since Sep 17, 2026 · 16.80% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Used Recreational Vehicles - 2016 to 2022	17.25%	17.25%	48 months
Details Score: 580-599; Includes RV, Motorhome, Boat, Motorcycle, ATV, Jet Ski, Snowmobile, Horse Trailer Last Updated 10/23/2026 Rate History 1 change since Sep 14, 2026 · 9.95% → 17.25% ▲ 7.30 pts · high 17.25% / low 9.95% Sep 18, 202617.25%▲ from 9.95% Sep 14, 20269.95%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Used Recreational Vehicles - 2016 to 2022	17.25%	17.25%	24 months
Details Score: Under 579; Includes RV, Motorhome, Boat, Motorcycle, ATV, Jet Ski, Snowmobile, Horse Trailer Last Updated 10/23/2026 Rate History 1 change since Sep 14, 2026 · 16.25% → 17.25% ▲ 1.00 pts · high 17.25% / low 16.25% Sep 18, 202617.25%▲ from 16.25% Sep 14, 202616.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
New Recreational Vehicles - 2023 or Newer	17.30%	17.30%	60 months
Details Score: 580-599; Vehicles: RV, Motorhome, Boat, Motorcycle, ATV, Jet Ski, Snowmobile, Horse Trailer Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 17.30% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
New Recreational Vehicles - 2023 or Newer	17.55%	17.55%	24 months
Details Score: Under 579; Vehicles: RV, Motorhome, Boat, Motorcycle, ATV, Jet Ski, Snowmobile, Horse Trailer Last Updated 10/23/2026 Rate History No change since Sep 17, 2026 · 17.55% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
New Recreational Vehicles - 2023 or Newer	17.55%	17.55%	36 months
Details Score: Under 579; Vehicles: RV, Motorhome, Boat, Motorcycle, ATV, Jet Ski, Snowmobile, Horse Trailer Last Updated 10/23/2026 Rate History No change since Sep 17, 2026 · 17.55% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
New Recreational Vehicles - 2023 or Newer	17.55%	17.55%	48 months
Details Score: Under 579; Vehicles: RV, Motorhome, Boat, Motorcycle, ATV, Jet Ski, Snowmobile, Horse Trailer Last Updated 10/23/2026 Rate History No change since Sep 17, 2026 · 17.55% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Used Recreational Vehicles - 2016 to 2022	17.75%	17.75%	36 months
Details Score: Under 579; Includes RV, Motorhome, Boat, Motorcycle, ATV, Jet Ski, Snowmobile, Horse Trailer Last Updated 10/23/2026 Rate History 1 change since Sep 14, 2026 · 16.75% → 17.75% ▲ 1.00 pts · high 17.75% / low 16.75% Sep 18, 202617.75%▲ from 16.75% Sep 14, 202616.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Used Recreational Vehicles - 2016 to 2022	17.75%	17.75%	48 months
Details Score: Under 579; Includes RV, Motorhome, Boat, Motorcycle, ATV, Jet Ski, Snowmobile, Horse Trailer Last Updated 10/23/2026 Rate History 1 change since Sep 14, 2026 · 9.95% → 17.75% ▲ 7.80 pts · high 17.75% / low 9.95% Sep 18, 202617.75%▲ from 9.95% Sep 14, 20269.95%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%

Elko Federal Credit Union Personal Loan Rates

Product	APR	Term
Unsecured Personal Loans	9.55%	24 months
Details Up to $35,000; Credit Score: 720+ Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 9.55% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Unsecured Personal Loans	10.55%	36 months
Details Up to $35,000; Credit Score: 720+ Last Updated 10/23/2026 Rate History 1 change since Sep 14, 2026 · 14.55% → 10.55% ▼ 4.00 pts · high 14.55% / low 10.55% Sep 17, 202610.55%▼ from 14.55% Sep 14, 202614.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Unsecured Personal Loans	10.55%	24 months
Details Up to $35,000; Credit Score: 680-719 Last Updated 10/23/2026 Rate History 1 change since Sep 14, 2026 · 9.55% → 10.55% ▲ 1.00 pts · high 10.55% / low 9.55% Sep 17, 202610.55%▲ from 9.55% Sep 14, 20269.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Unsecured Personal Loans	11.55%	48 months
Details Up to $35,000; Credit Score: 720+ Last Updated 10/23/2026 Rate History 1 change since Sep 14, 2026 · 15.55% → 11.55% ▼ 4.00 pts · high 15.55% / low 11.55% Sep 17, 202611.55%▼ from 15.55% Sep 14, 202615.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Unsecured Personal Loans	11.55%	36 months
Details Up to $35,000; Credit Score: 680-719 Last Updated 10/23/2026 Rate History 1 change since Sep 14, 2026 · 14.55% → 11.55% ▼ 3.00 pts · high 14.55% / low 11.55% Sep 17, 202611.55%▼ from 14.55% Sep 14, 202614.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Unsecured Personal Loans	12.55%	60 months
Details Up to $35,000; Credit Score: 720+ Last Updated 10/23/2026 Rate History 1 change since Sep 14, 2026 · 16.55% → 12.55% ▼ 4.00 pts · high 16.55% / low 12.55% Sep 17, 202612.55%▼ from 16.55% Sep 14, 202616.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Unsecured Personal Loans	12.55%	48 months
Details Up to $35,000; Credit Score: 680-719 Last Updated 10/23/2026 Rate History 1 change since Sep 14, 2026 · 15.55% → 12.55% ▼ 3.00 pts · high 15.55% / low 12.55% Sep 17, 202612.55%▼ from 15.55% Sep 14, 202615.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Unsecured Personal Loans	13.55%	60 months
Details Up to $35,000; Credit Score: 680-719 Last Updated 10/23/2026 Rate History 1 change since Sep 14, 2026 · 16.55% → 13.55% ▼ 3.00 pts · high 16.55% / low 13.55% Sep 17, 202613.55%▼ from 16.55% Sep 14, 202616.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Unsecured Personal Loans	13.55%	24 months
Details Up to $35,000; Credit Score: 640-679 Last Updated 10/23/2026 Rate History 1 change since Sep 14, 2026 · 15.80% → 13.55% ▼ 2.25 pts · high 15.80% / low 13.55% Sep 17, 202613.55%▼ from 15.80% Sep 14, 202615.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Unsecured Personal Loans	14.55%	36 months
Details Up to $35,000; Credit Score: 640-679 Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 14.55% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Unsecured Personal Loans	15.55%	48 months
Details Up to $35,000; Credit Score: 640-679 Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 15.55% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Unsecured Personal Loans	15.80%	24 months
Details Up to $35,000; Credit Score: 600-639 Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 15.80% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Unsecured Personal Loans	16.55%	60 months
Details Up to $35,000; Credit Score: 640-679 Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 16.55% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Unsecured Personal Loans	16.80%	36 months
Details Up to $35,000; Credit Score: 600-639 Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 16.80% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Unsecured Personal Loans	17.30%	24 months
Details Up to $35,000; Credit Score: 580-599 Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 17.30% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Unsecured Personal Loans	17.80%	48 months
Details Up to $35,000; Credit Score: 600-639 Last Updated 10/23/2026 Rate History 1 change since Sep 14, 2026 · 15.55% → 17.80% ▲ 2.25 pts · high 17.80% / low 15.55% Sep 17, 202617.80%▲ from 15.55% Sep 14, 202615.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Unsecured Personal Loans	17.80%	36 months
Details Up to $35,000; Credit Score: 580-599 Last Updated 10/23/2026 Rate History 1 change since Sep 14, 2026 · 16.80% → 17.80% ▲ 1.00 pts · high 17.80% / low 16.80% Sep 17, 202617.80%▲ from 16.80% Sep 14, 202616.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Unsecured Personal Loans	17.80%	24 months
Details Up to $35,000; Credit Score: Under 579 Last Updated 10/23/2026 Rate History 1 change since Sep 14, 2026 · 17.30% → 17.80% ▲ 0.50 pts · high 17.80% / low 17.30% Sep 17, 202617.80%▲ from 17.30% Sep 14, 202617.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%

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.

Financial Health History

Elko Federal Credit Union’s Texas Ratio rose from 1.05% in Q3 2023 to 1.56% 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	$351M	1.56%	5.0	A+
March 31, 2026	$349M	0.63%	5.0	A+
December 31, 2025	$329M	2.38%	5.0	A+
September 30, 2025	$320M	1.72%	5.0	A+
June 30, 2025	$315M	1.72%	5.0	A+
March 31, 2025	$312M	0.72%	5.0	A+
December 31, 2024	$300M	0.33%	5.0	A+
September 30, 2024	$291M	0.63%	5.0	A+
June 30, 2024	$283M	0.27%	5.0	A+
March 31, 2024	$286M	0.20%	5.0	A+
December 31, 2023	$269M	0.57%	5.0	A+
September 30, 2023	$262M	1.05%	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 Elko Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Elko Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Elko Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Elko Federal Credit Union

Website https://www.elkofcu.org

Address 2397 Mountain City Hwy, Elko, NV 89801

Phone 775-738-4083

Fax 775-738-2582

President David Smales

CEO Todd Sorenson

Full-Time Employees 35

Part-Time Employees 15

Branch Locations 2

ATM Locations 2

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.56%

Return on Assets (ROA)

1.2178%

Return on Equity (ROE)

8.9588%

Non-Performing Loans Ratio (NPL)

0.34%

Total Assets

351,340,054

Total Amount of Shares and Deposits

302,652,397

Total Shares and Deposits < 1 Year

302,237,164

Total Shares and Deposits 1 3 Years

415,233

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

29,024,005

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

29,024,005

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

273,628,392

Total Interest Expense (Sum of items 6 8)

1,835,963

Share Certificates

1,481

Number of Accounts for Share Drafts

12,176

IRA KEOGH Accounts

328

Number of Accounts for Regular Shares

20,142

Money Market Shares

141

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

4,278,746

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)

74,949,869

Total Liabilities

303,767,206

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Elko Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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

Customer Reviews

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Frequently Asked Questions About Elko Federal Credit Union

Does Elko Federal Credit Union offer CDs?

Yes. Elko Federal Credit Union offers share certificates (CDs) with fixed interest rates across multiple term lengths. Its current CD rates, verified by MonitorBankRates, are listed on this page.

Are CDs from Elko Federal Credit Union NCUA insured?

Yes. Elko Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Elko Federal Credit Union?

The highest CD rate MonitorBankRates has verified for Elko Federal Credit Union is 3.82% APY on its Term CD - 6 Month, as of October 23, 2026.

What CD terms does Elko Federal Credit Union offer?

The Elko Federal Credit Union CD terms we track include 3 month, 6 month, 9 month, 12 month and 2 year terms, with rates from 2.02% to 3.82% APY. The institution may offer other terms or specials that are not listed here, so check with Elko Federal Credit Union for its full lineup.

What is the highest savings rate at Elko Federal Credit Union?

The highest savings rate MonitorBankRates has verified for Elko Federal Credit Union is 2.02% APY on its IRA Savings Account, as of October 23, 2026.

What is the highest money market rate at Elko Federal Credit Union?

The highest money market rate MonitorBankRates has verified for Elko Federal Credit Union is 2.02% APY on its Money Market Account, as of October 23, 2026.

What is the lowest auto loan rate at Elko Federal Credit Union?

The lowest auto loan rate MonitorBankRates has verified for Elko Federal Credit Union is 5.20% rate on its New Auto - 2023 or Newer, as of October 23, 2026.

What is the lowest personal loan rate at Elko Federal Credit Union?

The lowest personal loan rate MonitorBankRates has verified for Elko Federal Credit Union is 9.55% rate on its Unsecured Personal Loans, as of October 23, 2026.

How many branches does Elko Federal Credit Union operate?

Elko Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Elko Federal Credit Union?

Yes, to access services at Elko Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Elko Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

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

Does Elko Federal Credit Union offer online and mobile banking?

Most modern institutions like Elko Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.elkofcu.org.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Elko Federal Credit Union rates compare?

Elko Federal Credit Union's top rates are 3.82% APY on its Term CD - 6 Month, 2.02% APY on savings, 2.02% APY on money market and personal loans from 9.55% APR, verified by MonitorBankRates on October 23, 2026. To compare Elko Federal Credit Union with the top rates nationwide, see our best CD rates, best savings rates, best money market rates and best personal loan rates, updated daily from banks and credit unions across the country.

Current Elko Federal Credit Union Rates

12-Month CD3.56%
24-Month CD2.68%
Savings2.02%
MMA2.02%

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

Compare to Other Credit Unions

Elko Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Elko Federal Credit Union Texas Ratio

Elko Federal Credit Union Health Trend

Elko Federal Credit Union CD Rates

Elko Federal Credit Union Savings Rates

Elko Federal Credit Union Money Market Rates

Elko Federal Credit Union Auto Loan Rates

Elko Federal Credit Union RV, Boat and Powersport Loan Rates

Elko Federal Credit Union Personal Loan Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Elko Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Elko Federal Credit Union

Does Elko Federal Credit Union offer CDs?

Are CDs from Elko Federal Credit Union NCUA insured?

What is the highest CD rate at Elko Federal Credit Union?

What CD terms does Elko Federal Credit Union offer?

What is the highest savings rate at Elko Federal Credit Union?

What is the highest money market rate at Elko Federal Credit Union?

What is the lowest auto loan rate at Elko Federal Credit Union?

What is the lowest personal loan rate at Elko Federal Credit Union?

How many branches does Elko Federal Credit Union operate?

Is a member application needed to join Elko Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Elko Federal Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Elko Federal Credit Union rates compare?

Current Elko Federal Credit Union Rates

Compare to Other Credit Unions