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Guadalupe Credit Union

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Guadalupe Credit Union Rates & Review October 2026

Q: What are the current interest rates at Guadalupe Credit Union?

Current rates for Guadalupe Credit Union include: 12-Month CD: 0.45%, 18-Month CD: 0.55%, 24-Month CD: 0.60%, Savings: 0.10%, MMA: 0.40%

Q: What CD terms does Guadalupe Credit Union offer?

The Guadalupe Credit Union CD terms we track include 6 month, 12 month, 18 month, 2 year and 27 month terms, with rates from 3.61% to 4.34% APY. The institution may offer other terms or specials that are not listed here, so check with Guadalupe Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 22, 2026

Guadalupe Credit Union's CD - 27 Month CD SPECIAL rates are at 4.34%, CD - 12 Month Royalty rates are at 3.66%, CD - 6 Month Royalty rates are at 3.66%, CD - 12 Month rates are at 3.61%, CD - 6 Month rates are at 3.61%. Guadalupe Credit Union's savings rates are at 0.10%. Guadalupe Credit Union's money market rates are at 0.40%. Guadalupe Credit Union's checking rates are as high as 0.10%. Guadalupe Credit Union's Personal Loan Rates are as low as 8.49%. Guadalupe Credit Union's Credit Card Rates are at 8.49%. MonitorBankRates evaluates the financial stability of Guadalupe Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.15%. Rates last updated and verified on 10/22/2026.

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

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

7.15%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Guadalupe Credit Union
Administration Office

2019 Galisteo St Ste K1
Santa Fe, NM 87505-2159

https://www.guadalupecu.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.

Guadalupe Credit Union CD Rates

Product	Rate	APY	Term
Share Certificate - 27 Month CD SPECIAL	4.25%	4.34%	27 Month
Min Deposit $1,000 Details Special 27 Month CD; Effective Date: October 22nd, 2026; Early Surrender Penalties Apply Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 4.34% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Share Certificate - 12 Month Royalty	3.60%	3.66%	12 Month
Min Deposit $500 Details Royalty (Age 65+); Effective Date: October 22nd, 2026; Early Surrender Penalties Apply Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 3.66% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Share Certificate - 6 Month Royalty	3.60%	3.66%	6 Month
Min Deposit $500 Details Royalty (Age 65+); Effective Date: October 22nd, 2026; Early Surrender Penalties Apply Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 3.66% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Share Certificate - 12 Month	3.55%	3.61%	12 Month
Min Deposit $500 Details Effective Date: October 22nd, 2026; Early Surrender Penalties Apply Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 3.61% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Share Certificate - 6 Month	3.55%	3.61%	6 Month
Min Deposit $500 Details Effective Date: October 22nd, 2026; Early Surrender Penalties Apply Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 3.61% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Share Certificate - 24 Month Royalty	3.30%	3.35%	24 Month
Min Deposit $500 Details Royalty (Age 65+); Effective Date: October 22nd, 2026; Early Surrender Penalties Apply Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 3.35% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Share Certificate - 24 Month	3.25%	3.30%	24 Month
Min Deposit $500 Details Effective Date: October 22nd, 2026; Early Surrender Penalties Apply Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 3.30% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Share Certificate - 36 Month Royalty	3.00%	3.04%	36 Month
Min Deposit $500 Details Royalty (Age 65+); Effective Date: October 22nd, 2026; Early Surrender Penalties Apply Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 3.04% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Share Certificate - 36 Month	2.95%	2.99%	36 Month
Min Deposit $500 Details Effective Date: October 22nd, 2026; Early Surrender Penalties Apply Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 2.99% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Share Certificate - 48 Month Royalty	2.38%	2.41%	48 Month
Min Deposit $500 Details Royalty (Age 65+); Effective Date: October 22nd, 2026; Early Surrender Penalties Apply Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 2.41% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Share Certificate - 48 Month	2.33%	2.36%	48 Month
Min Deposit $500 Details Effective Date: October 22nd, 2026; Early Surrender Penalties Apply Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 2.36% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
12 Month Youth Starter Certificate	1.75%	1.76%	12 Month
Min Deposit $250 Details Age: 18 and under (row label: 12 Month (Age 18 and under)); Effective Date: October 22nd, 2026; New Money Can Be Added Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 1.76% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Direct Deposit Certificate - 18 Month	1.75%	1.76%	18 Month
Min Deposit $500 Details Effective Date: October 22nd, 2026; Funding & Additions Through Direct Deposit Or Scheduled ACH Deposits; Early Surrender Penalties Apply Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 1.76% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Share Certificate - 3 Month Royalty	1.05%	1.05%	3 Month
Min Deposit $500 Details Royalty (Age 65+); Effective Date: October 22nd, 2026; Early Surrender Penalties Apply Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 1.05% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Share Certificate - 3 Month	1.00%	1.00%	3 Month
Min Deposit $500 Details Effective Date: October 22nd, 2026; Early Surrender Penalties Apply Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 1.00% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
24 Month IRA CD	0.60%	0.60%	24 Month
Details Traditional & Roth IRA; available for renewal only for Club or Certificate accounts; Effective Date: October 22nd, 2026 Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 0.60% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
18 Month IRA CD	0.55%	0.55%	18 Month
Details Traditional & Roth IRA; available for renewal only for Club or Certificate accounts; Effective Date: October 22nd, 2026 Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 0.55% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
12 Month IRA CD	0.45%	0.45%	12 Month
Details Traditional & Roth IRA; available for renewal only for Club or Certificate accounts; Effective Date: October 22nd, 2026 Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 0.45% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%

Guadalupe Credit Union Savings Rates

Product	Rate	APY
Christmas Club	0.10%	0.10%
Min Balance $100 Details No minimum amount to open. No low balance fee.; Balance: minimum $100.00 to accumulate dividends Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 0.10% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
IRA Club	0.10%	0.10%
Details Traditional & Roth IRA; available for renewal only for Club or Certificate accounts; Effective Date: October 22nd, 2026 Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 0.10% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Members Savings Account	0.10%	0.10%
Min Deposit $5 Min Balance $100 Details Balance: minimum $100.00 to accumulate dividends Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 0.10% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Round-Up Savings	0.10%	0.10%
Min Balance $100 Details No Minimum Amount To Open. No Low Balance Fee. Free Withdraws.; Balance: minimum $100.00 to accumulate dividends Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 0.10% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Special Savings	0.10%	0.10%
Min Balance $100 Details No Minimum Amount To Open. No Low Balance Fee. Free Withdraws.; Balance: minimum $100.00 to accumulate dividends Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 0.10% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Systematic Club	0.10%	0.10%
Min Balance $100 Details No Minimum Amount To Open. No Low Balance Fee. Free Withdraws in April, Otherwise $15.00 Each.; Balance: minimum $100.00 to accumulate dividends Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 0.10% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%

Guadalupe Credit Union Money Market Rates

Product	Rate	APY
Money Market Premier Account	0.40%	0.40%
Min Balance $100,000 Details Balance: $100,000.01 and over; Minimum $1,000.00 Withdrawal; $10,000.00 Minimum Balance Required; Maintain Min. Bal. To Avoid $10.00/Mo. Low Bal. Fee Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 0.40% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Money Market Premier Account	0.35%	0.35%
Min Balance $75,000 Details Balance: $75,000.01 - $100,000.00; Minimum $1,000.00 Withdrawal; $10,000.00 Minimum Balance Required; Maintain Min. Bal. To Avoid $10.00/Mo. Low Bal. Fee Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 0.35% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Money Market Account	0.30%	0.30%
Min Balance $50,000 Details Balance: $50,000.01 and over; Minimum $100.00 withdrawal; Requires $1,000.00 minimum balance; Maintain min. bal. to avoid $5.00/mo. low bal. fee; Effective January 6th, 2026 Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 0.30% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Money Market Premier Account	0.30%	0.30%
Min Balance $50,000 Details Balance: $50,000.01 - $75,000.00; Minimum $1,000.00 Withdrawal; $10,000.00 Minimum Balance Required; Maintain Min. Bal. To Avoid $10.00/Mo. Low Bal. Fee Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 0.30% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Money Market Account	0.25%	0.25%
Min Balance $25,000 Details Balance: $25,000.01 - $50,000.00; Minimum $100.00 withdrawal; Requires $1,000.00 minimum balance; Maintain min. bal. to avoid $5.00/mo. low bal. fee; Effective January 6th, 2026 Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 0.25% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Money Market Premier Account	0.25%	0.25%
Min Balance $25,000 Details Balance: $25,000.01 - $50,000.00; Minimum $1,000.00 Withdrawal; $10,000.00 Minimum Balance Required; Maintain Min. Bal. To Avoid $10.00/Mo. Low Bal. Fee Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 0.25% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Money Market Account	0.15%	0.15%
Min Balance $10,000 Details Balance: $10,000.01 - $25,000.00; Minimum $100.00 withdrawal; Requires $1,000.00 minimum balance; Maintain min. bal. to avoid $5.00/mo. low bal. fee; Effective January 6th, 2026 Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 0.15% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Money Market Premier Account	0.15%	0.15%
Min Balance $10,000 Details Balance: $10,000.01 - $25,000.00; Minimum $1,000.00 Withdrawal; $10,000.00 Minimum Balance Required; Maintain Min. Bal. To Avoid $10.00/Mo. Low Bal. Fee Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 0.15% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Money Market Account	0.10%	0.10%
Min Balance $1,000 Details Balance: $1,000.00 - $10,000.00; Minimum $100.00 withdrawal; Requires $1,000.00 minimum balance; Maintain min. bal. to avoid $5.00/mo. low bal. fee; Effective January 6th, 2026 Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 0.10% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%

Guadalupe Credit Union Checking Rates

Product	Rate	APY	View More
Investment Checking	0.10%	0.10%
Min Balance $1,000 Details Checking Accounts; Effective Date: January 6th, 2026; Minimum $1,000.00* Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 0.10% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%

Guadalupe Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan	-	-	5.49%	Up to 60 Months
Details Paper Class: 740+; Effective Date: June 1st, 2026 Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 5.49% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Auto Loan	-	-	5.74%	Up to 72 Months
Details Paper Class: 740+; Effective Date: June 1st, 2026 Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 5.74% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Auto Loan	-	-	6.24%	Up to 84 Months
Details Paper Class: 740+; Effective Date: June 1st, 2026 Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 6.24% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Auto Loan	-	-	6.49%	Up to 60 Months
Details Paper Class: 700-739; Effective Date: June 1st, 2026 Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 6.49% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Auto Loan	-	-	6.74%	Up to 72 Months
Details Paper Class: 700-739; Effective Date: June 1st, 2026 Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 6.74% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Auto Loan	-	-	7.24%	Up to 84 Months
Details Paper Class: 700-739; Effective Date: June 1st, 2026 Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 7.24% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Auto Loan	-	-	7.49%	Up to 60 Months
Details Paper Class: 660-699; Effective Date: June 1st, 2026 Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 7.49% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Auto Loan	-	-	8.24%	Up to 72 Months
Details Paper Class: 660-699; Effective Date: June 1st, 2026 Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 8.24% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Auto Loan	-	-	8.49%	Up to 84 Months
Details Paper Class: 660-699; Effective Date: June 1st, 2026 Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 8.49% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Classic Autos & Autos Over 20 Years Old	-	-	9.75%	Up to 60 Months
Details Credit Score: 740+; Paper Class; Effective Date: June 1st, 2026 Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 9.75% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Auto Loan	-	-	10.49%	Up to 60 Months
Details Paper Class: 620-659; Effective Date: June 1st, 2026 Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 10.49% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Classic Autos & Autos Over 20 Years Old	-	-	10.75%	Up to 60 Months
Details Credit Score: 700-739; Paper Class; Effective Date: June 1st, 2026 Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 10.75% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Auto Loan	-	-	11.24%	Up to 72 Months
Details Paper Class: 620-659; Effective Date: June 1st, 2026 Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 11.24% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Auto Loan	-	-	11.74%	Up to 84 Months
Details Paper Class: 620-659; Effective Date: June 1st, 2026 Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 11.74% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Classic Autos & Autos Over 20 Years Old	-	-	13.00%	Up to 60 Months
Details Credit Score: 660-699; Paper Class; Effective Date: June 1st, 2026 Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 13.00% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Auto Loan	-	-	13.74%	Up to 60 Months
Details Paper Class: 580-619; Effective Date: June 1st, 2026 Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 13.74% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Auto Loan	-	-	14.49%	Up to 72 Months
Details Paper Class: 580-619; Effective Date: June 1st, 2026 Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 14.49% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Auto Loan	-	-	14.99%	Up to 84 Months
Details Paper Class: 580-619; Effective Date: June 1st, 2026 Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 14.99% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Classic Autos & Autos Over 20 Years Old	-	-	16.00%	Up to 60 Months
Details Credit Score: 620-659; Paper Class; Effective Date: June 1st, 2026 Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 16.00% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Auto Loan	-	-	17.74%	Up to 60 Months
Details Paper Class: 579 and less; Effective Date: June 1st, 2026 Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 17.74% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Auto Loan	-	-	18.49%	Up to 72 Months
Details Paper Class: 579 and less; Effective Date: June 1st, 2026 Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 18.49% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Auto Loan	-	-	18.99%	Up to 84 Months
Details Paper Class: 579 and less; Effective Date: June 1st, 2026 Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 18.99% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Classic Autos & Autos Over 20 Years Old	-	-	19.25%	Up to 60 Months
Details Credit Score: 580-619; Paper Class; Effective Date: June 1st, 2026 Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 19.25% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Classic Autos & Autos Over 20 Years Old	-	-	23.25%	Up to 60 Months
Details Credit Score: 579 and less; Paper Class; Effective Date: June 1st, 2026 Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 23.25% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%

Guadalupe Credit Union Credit Card Rates

Product	Rate	APR
VISA Unsecured	-	8.49%
Details Paper Class: 740+; Maximum Limit: $15,000; Effective Date: May 1, 2026 Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 8.49% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
VISA Unsecured	-	9.99%
Details Paper Class: 700-739; Maximum Limit: $10,000; Effective Date: May 1, 2026 Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 9.99% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
VISA Unsecured	-	12.99%
Details Paper Class: 660-699; Maximum Limit: $7,000; Effective Date: May 1, 2026 Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 12.99% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
VISA Unsecured	-	13.99%
Details Paper Class: 620-659; Maximum Limit: $3,000; Effective Date: May 1, 2026 Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 13.99% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
VISA Unsecured	-	15.99%
Details Paper Class: 580-619; Maximum Limit: $1,000; Effective Date: May 1, 2026 Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 15.99% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
VISA Unsecured	-	19.99%
Details Paper Class: 579 and less; Maximum Limit: $500.00; Effective Date: May 1, 2026 Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 19.99% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%

Guadalupe Credit Union Personal Loan Rates

Product	APR	Term	View More
VISA Unsecured	8.49%
Details Paper Class: 740+; Maximum Limit: $15,000; Effective Date: May 1, 2026 Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 8.49% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
VISA Unsecured	9.99%
Details Paper Class: 700-739; Maximum Limit: $10,000; Effective Date: May 1, 2026 Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 9.99% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Unsecured Loans	11.49%
Details Paper Class: 740+; Maximum Limit: $15,000; Effective Date: July 1st, 2025 Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 11.49% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Unsecured Loans	12.49%
Details Paper Class: 700-739; Maximum Limit: $10,000; Effective Date: July 1st, 2025 Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 12.49% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
VISA Unsecured	12.99%
Details Paper Class: 660-699; Maximum Limit: $7,000; Effective Date: May 1, 2026 Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 12.99% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Unsecured Loans	13.99%
Details Paper Class: 660-699; Maximum Limit: $7,000; Effective Date: July 1st, 2025 Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 13.99% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
VISA Unsecured	13.99%
Details Paper Class: 620-659; Maximum Limit: $3,000; Effective Date: May 1, 2026 Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 13.99% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
VISA Unsecured	15.99%
Details Paper Class: 580-619; Maximum Limit: $1,000; Effective Date: May 1, 2026 Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 15.99% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Unsecured Loans	17.49%
Details Paper Class: 620-659; Maximum Limit: $3,000; Effective Date: July 1st, 2025 Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 17.49% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Unsecured Loans	19.74%
Details Paper Class: 580-619; Maximum Limit: $1,000; Effective Date: July 1st, 2025 Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 19.74% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
VISA Unsecured	19.99%
Details Paper Class: 579 and less; Maximum Limit: $500.00; Effective Date: May 1, 2026 Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 19.99% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Unsecured Loans	20.49%
Details Paper Class: 579 and less; Maximum Limit: $500.00; Effective Date: July 1st, 2025 Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 20.49% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%

Guadalupe Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Borrow & Save Loan	-	-	21.90%
Details Effective Date: July 1st, 2025; Maximum Limit: $1,020.00 Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 21.90% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Smart-E Loans	-	-	6.09%	Up to 60 Months
Details Paper Class: 740+; Effective Date: July 1st, 2025 Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 6.09% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Smart-E Loans	-	-	6.19%	Up to 60 Months
Details Paper Class: 700-739; Effective Date: July 1st, 2025 Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 6.19% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Smart-E Loans	-	-	6.29%	Up to 60 Months
Details Paper Class: 660-699; Effective Date: July 1st, 2025 Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 6.29% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Smart-E Loans	-	-	6.39%	Up to 60 Months
Details Paper Class: 620-659; Effective Date: July 1st, 2025 Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 6.39% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Smart-E Loans	-	-	6.49%	Up to 60 Months
Details Paper Class: 580-619; Effective Date: July 1st, 2025 Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 6.49% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Smart-E Loans	-	-	6.49%	Up to 84 Months
Details Paper Class: 740+; Effective Date: July 1st, 2025 Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 6.49% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Smart-E Loans	-	-	6.59%	Up to 84 Months
Details Paper Class: 700-739; Effective Date: July 1st, 2025 Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 6.59% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Smart-E Loans	-	-	6.69%	Up to 84 Months
Details Paper Class: 660-699; Effective Date: July 1st, 2025 Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 6.69% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Smart-E Loans	-	-	6.89%	Up to 84 Months
Details Paper Class: 620-659; Effective Date: July 1st, 2025 Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 6.89% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Smart-E Loans	-	-	6.99%	Up to 84 Months
Details Paper Class: 580-619; Effective Date: July 1st, 2025 Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 6.99% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Smart-E Loans	-	-	6.49%	Up to 120 Months
Details Paper Class: 740+; Effective Date: July 1st, 2025 Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 6.49% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Smart-E Loans	-	-	6.59%	Up to 120 Months
Details Paper Class: 700-739; Effective Date: July 1st, 2025 Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 6.59% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Smart-E Loans	-	-	6.69%	Up to 120 Months
Details Paper Class: 660-699; Effective Date: July 1st, 2025 Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 6.69% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Smart-E Loans	-	-	6.89%	Up to 120 Months
Details Paper Class: 620-659; Effective Date: July 1st, 2025 Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 6.89% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Smart-E Loans	-	-	6.99%	Up to 120 Months
Details Paper Class: 580-619; Effective Date: July 1st, 2025 Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 6.99% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Smart-E Loans	-	-	7.09%	Up to 144 Months
Details Paper Class: 740+; Effective Date: July 1st, 2025 Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 7.09% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Smart-E Loans	-	-	7.19%	Up to 144 Months
Details Paper Class: 700-739; Effective Date: July 1st, 2025 Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 7.19% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Smart-E Loans	-	-	7.29%	Up to 144 Months
Details Paper Class: 660-699; Effective Date: July 1st, 2025 Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 7.29% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Smart-E Loans	-	-	7.39%	Up to 144 Months
Details Paper Class: 620-659; Effective Date: July 1st, 2025 Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 7.39% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Smart-E Loans	-	-	7.49%	Up to 144 Months
Details Paper Class: 580-619; Effective Date: July 1st, 2025 Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 7.49% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Smart-E Loans	-	-	7.09%	Up to 180 Months
Details Paper Class: 740+; Effective Date: July 1st, 2025 Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 7.09% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Smart-E Loans	-	-	7.19%	Up to 180 Months
Details Paper Class: 700-739; Effective Date: July 1st, 2025 Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 7.19% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Smart-E Loans	-	-	7.29%	Up to 180 Months
Details Paper Class: 660-699; Effective Date: July 1st, 2025 Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 7.29% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Smart-E Loans	-	-	7.39%	Up to 180 Months
Details Paper Class: 620-659; Effective Date: July 1st, 2025 Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 7.39% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Smart-E Loans	-	-	7.49%	Up to 180 Months
Details Paper Class: 580-619; Effective Date: July 1st, 2025 Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 7.49% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Smart-E Loans	-	-	7.09%	Up to 240 Months
Details Paper Class: 740+; Effective Date: July 1st, 2025 Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 7.09% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Smart-E Loans	-	-	7.19%	Up to 240 Months
Details Paper Class: 700-739; Effective Date: July 1st, 2025 Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 7.19% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Smart-E Loans	-	-	7.29%	Up to 240 Months
Details Paper Class: 660-699; Effective Date: July 1st, 2025 Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 7.29% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Smart-E Loans	-	-	7.39%	Up to 240 Months
Details Paper Class: 620-659; Effective Date: July 1st, 2025 Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 7.39% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Smart-E Loans	-	-	7.49%	Up to 240 Months
Details Paper Class: 580-619; Effective Date: July 1st, 2025 Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 7.49% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%

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

Guadalupe Credit Union’s Texas Ratio rose from 6.03% in Q3 2023 to 7.15% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$348M	7.15%	5.0	A
March 31, 2026	$349M	6.16%	5.0	A
December 31, 2025	$336M	5.02%	5.0	A+
September 30, 2025	$335M	5.49%	5.0	A+
June 30, 2025	$332M	4.87%	5.0	A+
March 31, 2025	$322M	6.57%	5.0	A
December 31, 2024	$307M	4.59%	5.0	A+
September 30, 2024	$300M	5.52%	5.0	A+
June 30, 2024	$285M	5.53%	5.0	A+
March 31, 2024	$274M	3.36%	5.0	A+
December 31, 2023	$262M	4.56%	5.0	A+
September 30, 2023	$264M	6.03%	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 Guadalupe 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 Guadalupe 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 Guadalupe Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Guadalupe Credit Union

Website https://www.guadalupecu.org

Address 2019 Galisteo St Ste K1, Santa Fe, NM 87505-2159

Phone 505-982-8942

Fax 505-982-1184

President Bryan Maestas

CEO Tanya Romero-Sturgeon

Full-Time Employees 105

Part-Time Employees 0

Branch Locations 7

ATM Locations 7

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (96/100)

Texas Ratio

7.15%

Return on Assets (ROA)

0.5040%

Return on Equity (ROE)

4.0274%

Non-Performing Loans Ratio (NPL)

1.57%

Total Assets

348,196,999

Total Amount of Shares and Deposits

299,947,382

Total Shares and Deposits < 1 Year

294,481,004

Total Shares and Deposits 1 3 Years

4,783,360

Total Shares and Deposits > 3 Years

683,019

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

32,038,553

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

32,038,553

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

267,908,829

Total Interest Expense (Sum of items 6 8)

1,609,971

Share Certificates

3,122

Number of Accounts for Share Drafts

26,307

IRA KEOGH Accounts

235

Number of Accounts for Regular Shares

33,384

All other shares

12,077

Non Member Deposits

Money Market Shares

247

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)

55,912,262

Total Liabilities

306,689,021

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Guadalupe 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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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

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 Guadalupe Credit Union

Frequently Asked Questions About Guadalupe Credit Union

Does Guadalupe Credit Union offer CDs?

Yes. Guadalupe 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 Guadalupe Credit Union NCUA insured?

Yes. Guadalupe 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 Guadalupe Credit Union?

The highest CD rate MonitorBankRates has verified for Guadalupe Credit Union is 4.34% APY on its CD - 27 Month CD SPECIAL, as of October 22, 2026.

What CD terms does Guadalupe Credit Union offer?

The Guadalupe Credit Union CD terms we track include 6 month, 12 month, 18 month, 2 year and 27 month terms, with rates from 3.61% to 4.34% APY. The institution may offer other terms or specials that are not listed here, so check with Guadalupe Credit Union for its full lineup.

What is the highest savings rate at Guadalupe Credit Union?

The highest savings rate MonitorBankRates has verified for Guadalupe Credit Union is 0.10% APY on its Members Savings Account, as of October 22, 2026.

What is the highest money market rate at Guadalupe Credit Union?

The highest money market rate MonitorBankRates has verified for Guadalupe Credit Union is 0.40% APY on its Money Market Premier Account, as of October 22, 2026.

What is the highest checking rate at Guadalupe Credit Union?

The highest checking rate MonitorBankRates has verified for Guadalupe Credit Union is 0.10% APY on its Investment Checking, as of October 22, 2026.

What is the lowest auto loan rate at Guadalupe Credit Union?

The lowest auto loan rate MonitorBankRates has verified for Guadalupe Credit Union is 5.49% APR on its Auto Loan, as of October 22, 2026.

What is the lowest personal loan rate at Guadalupe Credit Union?

The lowest personal loan rate MonitorBankRates has verified for Guadalupe Credit Union is 8.49% APR on its VISA Unsecured, as of October 22, 2026.

What is the lowest credit card APR at Guadalupe Credit Union?

The lowest credit card rate MonitorBankRates has verified for Guadalupe Credit Union is 8.49% APR on its VISA Unsecured Credit Card, as of October 22, 2026.

How many branches does Guadalupe Credit Union operate?

Guadalupe 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 Guadalupe Credit Union?

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

Does Guadalupe Credit Union offer online and mobile banking?

Most modern institutions like Guadalupe 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.guadalupecu.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 Guadalupe Credit Union rates compare?

Guadalupe Credit Union's top rates are 4.34% APY on its CD - 27 Month CD SPECIAL, 0.10% APY on savings, 0.40% APY on money market, 0.10% APY on checking, personal loans from 8.49% APR and credit cards from 8.49% APR, verified by MonitorBankRates on October 22, 2026. To compare Guadalupe Credit Union with the top rates nationwide, see our best CD rates, best savings rates, best money market rates and best checking rates, updated daily from banks and credit unions across the country.

Current Guadalupe Credit Union Rates

12-Month CD0.45%
18-Month CD0.55%
24-Month CD0.60%
Savings0.10%
MMA0.40%

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

Compare to Other Credit Unions

Guadalupe Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Guadalupe Credit Union Texas Ratio

Guadalupe Credit Union Health Trend

Guadalupe Credit Union CD Rates

Guadalupe Credit Union Savings Rates

Guadalupe Credit Union Money Market Rates

Guadalupe Credit Union Checking Rates

Guadalupe Credit Union Auto Loan Rates

Guadalupe Credit Union Credit Card Rates

Guadalupe Credit Union Personal Loan Rates

Guadalupe Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Guadalupe Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Guadalupe Credit Union

Does Guadalupe Credit Union offer CDs?

Are CDs from Guadalupe Credit Union NCUA insured?

What is the highest CD rate at Guadalupe Credit Union?

What CD terms does Guadalupe Credit Union offer?

What is the highest savings rate at Guadalupe Credit Union?

What is the highest money market rate at Guadalupe Credit Union?

What is the highest checking rate at Guadalupe Credit Union?

What is the lowest auto loan rate at Guadalupe Credit Union?

What is the lowest personal loan rate at Guadalupe Credit Union?

What is the lowest credit card APR at Guadalupe Credit Union?

How many branches does Guadalupe Credit Union operate?

Is a member application needed to join Guadalupe Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Guadalupe 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 Guadalupe Credit Union rates compare?

Current Guadalupe Credit Union Rates

Compare to Other Credit Unions