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Money Federal Credit Union Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: October 13, 2026
Money Federal Credit Union's top rates as of October 13, 2026 are 2.75% APY on its 12 Month CD, 0.50% APY on savings, and personal loans from 8.24% APR, according to rates verified by MonitorBankRates. Other Money Federal Credit Union CD rates include 36 Month CD at 2.00%, 48 Month CD at 2.00%, and 60 Month CD at 2.00%. MonitorBankRates evaluates the financial stability of Money Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.87%. Rates last updated and verified on 10/13/2026.
Money 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 Money Federal Credit Union? Share your experience about Money Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Money Federal Credit Union.
Money Federal Credit Union has earned an overall safety grade of A+ (Exceptional, Score: 100/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Money Federal Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
Our proprietary rating system evaluates financial stability including the Texas Ratio and capitalization and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
?
0.87%
ExcellentLower than avg
Money Federal Credit Union Texas Ratio
Money Federal Credit Union's Texas Ratio is 0.87%, which is considered excellent and is lower than the national average of 6.13%.
Money Federal Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
0.32% to 0.87% over 12 quarters, very strongFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this credit union has stayed very strong since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.
Money Federal Credit Union CD Rates
Product
Rate
APY
Term
View More
12 Month Certificate
2.71%
2.75%
12 Month
Min Deposit$500
DetailsFixed rate; Early withdrawal penalty may apply; Fees may reduce earnings; Print Certificate Application
Last Updated10/13/2026
Rate History
1 change since Sep 14, 2026 · 2.50% → 2.75% ▲ 0.25 pts · high 2.75% / low 2.50%
Oct 5, 20262.75%▲ from 2.50%
Sep 14, 20262.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.87%
36 Month Certificate
1.98%
2.00%
36 Month
Min Deposit$500
DetailsFixed rate; Early withdrawal penalty may apply; Fees may reduce earnings; Print Certificate Application
Last Updated10/13/2026
Rate History
1 change since Sep 14, 2026 · 1.40% → 2.00% ▲ 0.60 pts · high 2.00% / low 1.40%
Oct 5, 20262.00%▲ from 1.40%
Sep 14, 20261.40%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.87%
48 Month Certificate
1.98%
2.00%
48 Month
Min Deposit$500
DetailsFixed rate; Early withdrawal penalty may apply; Fees may reduce earnings; Print Certificate Application
Last Updated10/13/2026
Rate History
1 change since Sep 14, 2026 · 1.30% → 2.00% ▲ 0.70 pts · high 2.00% / low 1.30%
Oct 5, 20262.00%▲ from 1.30%
Sep 14, 20261.30%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.87%
60 Month Certificate
1.98%
2.00%
60 Month
Min Deposit$500
DetailsFixed rate; Early withdrawal penalty may apply; Fees may reduce earnings; Print Certificate Application
Last Updated10/13/2026
Rate History
1 change since Sep 14, 2026 · 1.20% → 2.00% ▲ 0.80 pts · high 2.00% / low 1.20%
Oct 5, 20262.00%▲ from 1.20%
Sep 14, 20261.20%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.87%
18 Month Certificate
1.73%
1.75%
18 Month
Min Deposit$500
DetailsFixed rate; Early withdrawal penalty may apply; Fees may reduce earnings; Print Certificate Application
Last Updated10/13/2026
Rate History
1 change since Sep 14, 2026 · 1.60% → 1.75% ▲ 0.15 pts · high 1.75% / low 1.60%
Oct 13, 20261.75%▲ from 1.60%
Sep 14, 20261.60%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.87%
24 Month Certificate
1.73%
1.75%
24 Month
Min Deposit$500
DetailsFixed rate; Early withdrawal penalty may apply; Fees may reduce earnings; Print Certificate Application
Last Updated10/13/2026
Rate History
1 change since Sep 14, 2026 · 1.50% → 1.75% ▲ 0.25 pts · high 1.75% / low 1.50%
Oct 5, 20261.75%▲ from 1.50%
Sep 14, 20261.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.87%
6 Month Certificate
1.49%
1.50%
6 Month
Min Deposit$500
DetailsFixed rate; Early withdrawal penalty may apply; Fees may reduce earnings; Print Certificate Application
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.87%
Money Federal Credit Union Savings Rates
Product
Rate
APY
View More
Money Market Savings
0.50%
0.50%
Min Balance$100,000
DetailsBalance: $100,000 and above
Last Updated10/13/2026
Rate History
1 change since Sep 14, 2026 · 0.45% → 0.50% ▲ 0.05 pts · high 0.50% / low 0.45%
Oct 5, 20260.50%▲ from 0.45%
Sep 14, 20260.45%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.87%
Money Market Savings
0.45%
0.45%
Min Balance$50,000
DetailsBalance: $50,000-$99,999
Last Updated10/13/2026
Rate History
1 change since Sep 14, 2026 · 0.40% → 0.45% ▲ 0.05 pts · high 0.45% / low 0.40%
Oct 5, 20260.45%▲ from 0.40%
Sep 14, 20260.40%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.87%
Money Market Savings
0.40%
0.40%
Min Balance$25,000
DetailsBalance: $25,000-$49,999
Last Updated10/13/2026
Rate History
1 change since Sep 14, 2026 · 0.35% → 0.40% ▲ 0.05 pts · high 0.40% / low 0.35%
Oct 5, 20260.40%▲ from 0.35%
Sep 14, 20260.35%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.87%
Money Market Savings
0.35%
0.35%
Min Balance$10,000
DetailsBalance: $10,000-$24,999
Last Updated10/13/2026
Rate History
1 change since Sep 14, 2026 · 0.25% → 0.35% ▲ 0.10 pts · high 0.35% / low 0.25%
Oct 5, 20260.35%▲ from 0.25%
Sep 14, 20260.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.87%
Money Market Savings
0.30%
0.30%
Min Balance$2,500
DetailsBalance: $2,500-$9,999
Last Updated10/13/2026
Rate History
1 change since Sep 14, 2026 · 0.20% → 0.30% ▲ 0.10 pts · high 0.30% / low 0.20%
Oct 5, 20260.30%▲ from 0.20%
Sep 14, 20260.20%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.87%
Holiday, Vacation, and U-Name-It Savings
0.06%
0.06%
No additional details.
Last Updated10/13/2026
Rate History
1 change since Sep 14, 2026 · 0.05% → 0.06% ▲ 0.01 pts · high 0.06% / low 0.05%
Oct 5, 20260.06%▲ from 0.05%
Sep 14, 20260.05%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.87%
Regular Savings
0.06%
0.06%
No additional details.
Last Updated10/13/2026
Rate History
1 change since Sep 14, 2026 · 0.05% → 0.06% ▲ 0.01 pts · high 0.06% / low 0.05%
Oct 5, 20260.06%▲ from 0.05%
Sep 14, 20260.05%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.87%
Teen and Kids Savings
0.06%
0.06%
No additional details.
Last Updated10/13/2026
Rate History
1 change since Sep 14, 2026 · 0.05% → 0.06% ▲ 0.01 pts · high 0.06% / low 0.05%
Oct 5, 20260.06%▲ from 0.05%
Sep 14, 20260.05%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.87%
Money Federal Credit Union Money Market Rates
Product
Rate
APY
View More
Money Market Savings
0.50%
0.50%
Min Balance$100,000
DetailsBalance: $100,000 and above
Last Updated10/13/2026
Rate History
1 change since Sep 14, 2026 · 0.45% → 0.50% ▲ 0.05 pts · high 0.50% / low 0.45%
Oct 5, 20260.50%▲ from 0.45%
Sep 14, 20260.45%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.87%
Money Market Savings
0.45%
0.45%
Min Balance$50,000
DetailsBalance: $50,000-$99,999
Last Updated10/13/2026
Rate History
1 change since Sep 14, 2026 · 0.40% → 0.45% ▲ 0.05 pts · high 0.45% / low 0.40%
Oct 5, 20260.45%▲ from 0.40%
Sep 14, 20260.40%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.87%
Money Market Savings
0.40%
0.40%
Min Balance$25,000
DetailsBalance: $25,000-$49,999
Last Updated10/13/2026
Rate History
1 change since Sep 14, 2026 · 0.35% → 0.40% ▲ 0.05 pts · high 0.40% / low 0.35%
Oct 5, 20260.40%▲ from 0.35%
Sep 14, 20260.35%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.87%
Money Market Savings
0.35%
0.35%
Min Balance$10,000
DetailsBalance: $10,000-$24,999
Last Updated10/13/2026
Rate History
1 change since Sep 14, 2026 · 0.25% → 0.35% ▲ 0.10 pts · high 0.35% / low 0.25%
Oct 5, 20260.35%▲ from 0.25%
Sep 14, 20260.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.87%
Money Market Savings
0.30%
0.30%
Min Balance$2,500
DetailsBalance: $2,500-$9,999
Last Updated10/13/2026
Rate History
1 change since Sep 14, 2026 · 0.20% → 0.30% ▲ 0.10 pts · high 0.30% / low 0.20%
Oct 5, 20260.30%▲ from 0.20%
Sep 14, 20260.20%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.87%
Money Federal Credit Union Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
Home Equity Loan
4.99%
-
4.99%
5 Years
DetailsFixed rate; Central New York counties only: Onondaga, Oswego, Madison, Cayuga; No closing costs for a limited time
Last Updated10/13/2026
Rate History
No change since Sep 21, 2026 · 4.99% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.87%
Home Equity Loan
5.49%
-
5.49%
6 - 10 Years
DetailsFixed rate; Central New York counties only: Onondaga, Oswego, Madison, Cayuga; No closing costs for a limited time
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.87%
Home Equity Loan
5.99%
-
5.99%
11 - 15 Years
DetailsFixed rate; Central New York counties only: Onondaga, Oswego, Madison, Cayuga; No closing costs for a limited time
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 5.99% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.87%
HELOC (Home Equity Line of Credit)
6.50%
-
6.50%
DetailsVariable rate; Withdraw funds as needed; Draw period of 10 years, then 15 years to pay back
Last Updated10/13/2026
Rate History
1 change since Sep 14, 2026 · 6.25% → 6.50% ▲ 0.25 pts · high 6.50% / low 6.25%
Oct 13, 20266.50%▲ from 6.25%
Sep 14, 20266.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.87%
Home Equity Line of Credit
6.50%
-
6.50%
DetailsVariable rate
Last Updated10/13/2026
Rate History
1 change since Sep 14, 2026 · 6.25% → 6.50% ▲ 0.25 pts · high 6.50% / low 6.25%
Oct 5, 20266.50%▲ from 6.25%
Sep 14, 20266.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.87%
Money Federal Credit Union Auto Loan Rates
Product
Rate
Points
APR
Term
View More
New Auto/Motorcycle Loan
3.99%
-
3.99%
1 Year
No additional details.
Last Updated10/13/2026
Rate History
No change since Sep 21, 2026 · 3.99% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.87%
New Auto/Motorcycle Loan
3.99%
-
3.99%
2 Year
No additional details.
Last Updated10/13/2026
Rate History
No change since Sep 21, 2026 · 3.99% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.87%
New Auto/Motorcycle Loan
3.99%
-
3.99%
3 Year
No additional details.
Last Updated10/13/2026
Rate History
No change since Sep 21, 2026 · 3.99% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.87%
New Auto/Motorcycle Loan
4.24%
-
4.24%
4 Year
No additional details.
Last Updated10/13/2026
Rate History
No change since Sep 21, 2026 · 4.24% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.87%
New Auto/Motorcycle Loan
4.74%
-
4.74%
5 Year
No additional details.
Last Updated10/13/2026
Rate History
No change since Sep 21, 2026 · 4.74% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.87%
New Auto/Motorcycle Loan
4.99%
-
4.99%
6 Year
No additional details.
Last Updated10/13/2026
Rate History
No change since Sep 21, 2026 · 4.99% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.87%
Used Auto/Motorcycle Loans - 1 Year
4.99%
-
4.99%
1 Year
DetailsModel Year: 2016 and newer
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.87%
Used Auto/Motorcycle Loans - 2 Year
4.99%
-
4.99%
2 Year
DetailsModel Year: 2016 and newer; Maximum term for 2017-2018 models
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.87%
Used Auto/Motorcycle Loans - 3 Year
4.99%
-
4.99%
3 Year
DetailsModel Year: 2016 and newer
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.87%
New Auto/Motorcycle Loan
5.24%
-
5.24%
7 Year
DetailsMinimum loan amount $25,000
Last Updated10/13/2026
Rate History
No change since Sep 21, 2026 · 5.24% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.87%
Used Auto/Motorcycle Loans - 4 Year
5.24%
-
5.24%
4 Year
DetailsModel Year: 2016 and newer; Maximum term for 2019-2020 models
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 5.24% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.87%
Used Auto/Motorcycle Loans - 5 Year
5.24%
-
5.24%
5 Year
DetailsModel Year: 2016 and newer
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 5.24% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.87%
Used Auto/Motorcycle Loans - 6 Year
5.49%
-
5.49%
6 Year
DetailsModel Year: 2016 and newer
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.87%
Used Auto/Motorcycle Loans - 7 Year
5.74%
-
5.74%
7 Year
DetailsModel Year: 2021 or newer; Minimum loan amount $25,000
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 5.74% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.87%
Money Federal Credit Union Student Loan Rates
Product
Rate
Points
APR
Term
View More
Student Loan Refinance
-
-
3.99%
DetailsAs Low As; Fixed rate based on credit score and term (footnote 2); Credit score determines rate (footnote 1)
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.87%
Undergraduate Student Loan (Fixed rate)
-
-
4.49%
DetailsAs Low As; Fixed rate based on credit score and term (footnote 2); Credit score determines rate (footnote 1)
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 4.49% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.87%
Undergraduate Student Loan (Variable rate)
-
-
6.00%
DetailsAs Low As; Variable rate based on Prime and credit score (footnote 2); Credit score determines rate (footnote 1)
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 6.00% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.87%
Money Federal Credit Union Personal Loan Rates
Product
APR
Term
View More
Personal Loan / Pool & Spa
8.24%
1 Year
No additional details.
Last Updated10/13/2026
Rate History
No change since Sep 21, 2026 · 8.24% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.87%
Personal Loan / Pool & Spa
8.24%
2 Year
No additional details.
Last Updated10/13/2026
Rate History
No change since Sep 21, 2026 · 8.24% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.87%
Personal Loan / Pool & Spa
8.24%
3 Year
No additional details.
Last Updated10/13/2026
Rate History
No change since Sep 21, 2026 · 8.24% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.87%
Personal Loan / Pool & Spa
8.74%
4 Year
No additional details.
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 8.74% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.87%
Personal Loan / Pool & Spa
8.99%
5 Year
No additional details.
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 8.99% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.87%
Money Federal Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
Home Improvement Loan
6.99%
-
6.99%
1 Year
Last Updated10/13/2026
Rate History
No change since Oct 9, 2026 · 6.99% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.87%
Home Improvement Loan
6.99%
-
6.99%
2 Year
Last Updated10/13/2026
Rate History
No change since Oct 9, 2026 · 6.99% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.87%
Home Improvement Loan
6.99%
-
6.99%
3 Year
Last Updated10/13/2026
Rate History
No change since Oct 9, 2026 · 6.99% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.87%
Home Improvement Loan
7.49%
-
7.49%
4 Year
Last Updated10/13/2026
Rate History
No change since Oct 9, 2026 · 7.49% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.87%
Home Improvement Loan
7.74%
-
7.74%
5 Year
Last Updated10/13/2026
Rate History
No change since Oct 9, 2026 · 7.74% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.87%
Home Improvement Loan
8.24%
-
8.24%
6 Year
DetailsMinimum loan amount $12,000
Last Updated10/13/2026
Rate History
No change since Oct 9, 2026 · 8.24% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.87%
Home Improvement Loan
8.49%
-
8.49%
7 Year
DetailsMinimum loan amount $12,000
Last Updated10/13/2026
Rate History
No change since Oct 9, 2026 · 8.49% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.87%
IRA Savings Traditional, Roth, and Coverdell ESA - 12 Month Certificate
2.71%
-
2.75%
12 Month
DetailsIRA
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 2.75% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.87%
IRA Savings Traditional, Roth, and Coverdell ESA - 24 Month Certificate
1.73%
-
1.75%
24 Month
DetailsIRA
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 1.75% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.87%
IRA Savings Traditional, Roth, and Coverdell ESA - 36 Month Certificate
1.98%
-
2.00%
36 Month
DetailsIRA
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 2.00% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.87%
IRA Savings Traditional, Roth, and Coverdell ESA - 48 Month Certificate
1.98%
-
2.00%
48 Month
DetailsIRA
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 2.00% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.87%
IRA Savings Traditional, Roth, and Coverdell ESA - 60 Month Certificate
1.98%
-
2.00%
60 Month
DetailsIRA
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 2.00% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.87%
Financial Health History
Money Federal Credit Union’s Texas Ratio rose from 0.32% in Q3 2023 to 0.87% 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
$51M
0.87%
5.0
A+
March 31, 2026
$52M
0.87%
5.0
A+
December 31, 2025
$51M
0.75%
5.0
A+
September 30, 2025
$52M
1.83%
5.0
A+
June 30, 2025
$52M
3.41%
5.0
A+
March 31, 2025
$54M
4.04%
5.0
A+
December 31, 2024
$51M
2.51%
5.0
A+
September 30, 2024
$52M
3.85%
5.0
A+
June 30, 2024
$51M
3.88%
5.0
A+
March 31, 2024
$51M
1.53%
5.0
A+
December 31, 2023
$49M
3.17%
5.0
A+
September 30, 2023
$49M
0.32%
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 Money 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 Money 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 Money Federal Credit Union's official website for the most current offers and terms.
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
3,683,220
Total Uninsured Shares and Deposits > $250K (F+J)
3,683,220
Total Insured Shares and Deposits > $250K (item 17 less item K)
41,417,543
Total Interest Expense (Sum of items 6 8)
158,868
Share Certificates
452
Number of Accounts for Share Drafts
2,072
IRA KEOGH Accounts
59
Number of Accounts for Regular Shares
4,005
Money Market Shares
227
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)
3,600,663
Total Liabilities
45,651,540
Source: NCUA — Last Updated 06/30/2026
Q2 2026 MBR Health & Safety Badge
Money Federal Credit Union earned the Verified Healthy badge
Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.
Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
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Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for Money Federal Credit Union
Frequently Asked Questions About Money Federal Credit Union
How many branches does Money Federal Credit Union operate?
Money 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 Money Federal Credit Union?
Yes, to access services at Money 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, Money 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, Money Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.
Does Money Federal Credit Union offer online and mobile banking?
Most modern institutions like Money 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.moneyfcu.org.
Current Money Federal Credit Union Rates
12-Month CD2.75%
18-Month CD1.75%
24-Month CD1.75%
60-Month CD2.00%
Savings0.50%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
