What are the current interest rates at Mt Rainier Federal Credit Union?

Current rates for Mt Rainier Federal Credit Union include: 12-Month CD: 0.75%, 24-Month CD: 1.66%, MMA: 3.04%

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Mt Rainier Federal Credit Union

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Mt Rainier Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

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

Content reviewed by

Brian McKay

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

Mt Rainier Federal Credit Union's top rates as of October 13, 2026 are 1.66% APY on its CDs - 24 month one time bump up CD, 3.04% APY on money market accounts, personal loans from 8.49% APR, and credit cards from 13.24% APR, according to rates verified by MonitorBankRates. Other Mt Rainier Federal Credit Union CD rates include CDs - 12 month at 0.75%, and CDs - 6 month at 0.55%. MonitorBankRates evaluates the financial stability of Mt Rainier Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.45%. Rates last updated and verified on 10/13/2026.

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

Verified Healthy Q2 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

1.45%

Excellent Lower than avg

Health Trend

Very strong 3 quarters

Full history ›

Mt Rainier Federal Credit Union
Mt Rainier FCU

303 W Meeker
Puyallup, WA 98371

https://www.mtrainierfcu.com

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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.

Mt Rainier Federal Credit Union CD Rates

Product	Rate	APY	Term
Share Certificates - 24 month one time bump up	1.65%	1.66%	24 month
Min Balance $2,500 Details Balance: $2,500-100,000; One-time bump up option (see Bump Up Option terms on page) Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 1.66% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
Share Certificates - 12 month	0.75%	0.75%	12 month
Min Balance $500 Details Balance: $500-$100,000 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
Share Certificates - 6 month	0.55%	0.55%	6 month
Min Balance $500 Details Balance: $500-$100,000 Last Updated 10/13/2026 Rate History 1 change since Sep 17, 2026 · 1.25% → 0.55% ▼ 0.70 pts · high 1.25% / low 0.55% Oct 13, 20260.55%▼ from 1.25% Sep 17, 20261.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%

Mt Rainier Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market Mountaineer Accounts	3.00%	3.04%
Min Balance $250,000 Details Balance: $250,000 and over Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.04% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
Money Market Mountaineer Accounts	2.50%	2.52%
Min Balance $100,000 Details Balance: $100,000 - $249,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.52% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
Money Market Mountaineer Accounts	2.00%	2.01%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.01% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
Money Market Accounts	0.65%	0.65%
Min Balance $50,001 Details Balance: $50,001 and over Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 0.65% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
Money Market Accounts	0.50%	0.50%
Min Balance $25,001 Details Balance: $25,001 - $50,000.99 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 0.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
Money Market Accounts	0.35%	0.35%
Min Balance $5,000 Details Balance: $5,000 - $25,000.99 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 0.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%

Mt Rainier Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Vehicles (2023 - 2026) Auto Loan	-	-	4.25%	0 - 36 months
Details Published APR range: 4.25% - 16.75%. APR Range*; Up to 125% LTV; Mileage maximum: 150,000; Rates effective as of 6/30/2026 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
Used Vehicles (2017 - 2022) Auto Loan	-	-	4.85%	0 - 36 months
Details Published APR range: 4.85% - 17.35%. Up to 100% LTV; Mileage maximum: 150,000 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.85% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
New Vehicles (2023 - 2026) Auto Loan	-	-	5.00%	37 - 48 months
Details Published APR range: 5.00% - 17.50%. APR Range*; Up to 125% LTV; Mileage maximum: 150,000; Rates effective as of 6/30/2026 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
New Vehicles (2023 - 2026) Auto Loan	-	-	5.50%	49 months
Details Term: 49 - 60 months months; Published APR range: 5.50% - 17.99%. APR Range*; Up to 125% LTV; Mileage maximum: 150,000; Rates effective as of 6/30/2026 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
Used Vehicles (2017 - 2022) Auto Loan	-	-	5.60%	37 - 48 months
Details Published APR range: 5.60% - 17.99%. Up to 100% LTV; Mileage maximum: 150,000 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.60% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
New Vehicles (2023 - 2026) Auto Loan	-	-	6.00%	61 months
Details Term: 61 - 72 months ($15,000 or higher); Published APR range: 6.00% - 17.99%. APR Range*; Up to 125% LTV; Mileage maximum: 150,000; Rates effective as of 6/30/2026 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
Used Vehicles (2017 - 2022) Auto Loan	-	-	6.10%	49 - 60 months
Details Published APR range: 6.10% - 17.99%. Up to 100% LTV; Mileage maximum: 150,000 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.10% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
New Vehicles (2023 - 2026) Auto Loan	-	-	6.50%	73 months
Details Term: 73 - 84 months ($30,000 or higher); Published APR range: 6.50% - 17.99%. APR Range*; Up to 125% LTV; Mileage maximum: 150,000; Rates effective as of 6/30/2026 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
Used Vehicles (2017 - 2022) Auto Loan	-	-	6.60%	61 - 72 months
Details Published APR range: 6.60% - 17.99%. Loan amount $15,000 or higher; Up to 100% LTV; Mileage maximum: 150,000 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.60% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
Used Vehicles (2017 - 2022) Auto Loan	-	-	7.35%	73 - 84 months
Details Published APR range: 7.35% - 17.99%. Loan amount $30,000 or higher; Up to 100% LTV; Mileage maximum: 150,000 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.35% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
Classic Car Loan	-	-	8.99%	0 - 60 months
Details Published APR range: 8.99% - 13.99%. APR Range* Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 8.99% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%

Mt Rainier Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New / Used Motorcycles Loan	-	5.99%	0 - 60 months
Details Published APR range: 5.99% - 17.49%. APR Range*; Motorcycle or RV loan Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 5.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
New/Used RVs, TRVL, TRLS, Boats, Quads Loan	-	6.24%	0 - 60 months
Details Published APR range: 6.24% - 17.74%. APR Range; Model Year Restriction: Up to 12 model years (2013) Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 6.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
New / Used Motorcycles Loan	-	6.49%	61 - 72 months
Details Published APR range: 6.49% - 17.75%. APR Range*; Loan amount $15,000 or higher; Motorcycle or RV loan Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 6.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
New/Used RVs, TRVL, TRLS, Boats, Quads Loan	-	6.74%	61 - 84 months
Details Published APR range: 6.74% - 17.99%. Loan Amount: $15,000 or higher; APR Range; Model Year Restriction: Up to 12 model years (2013) Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 6.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
New / Used Motorcycles Loan	-	6.99%	73 - 84 months
Details Published APR range: 6.99% - 17.99%. APR Range*; Loan amount $30,000 or higher; Motorcycle or RV loan Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 6.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
New/Used RVs, TRVL, TRLS, Boats, Quads Loan	-	7.24%	85 - 144 months
Details Published APR range: 7.24% - 17.99%. Loan Amount: $30,000 or higher; APR Range; Model Year Restriction: Up to 12 model years (2013) Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 7.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%

Mt Rainier Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
Platinum Visa	-	13.24%
Details Published APR range: 13.24% - 17.99%. Credit Card Annual Percentage Rate (APR) Range Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 13.24% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%

Mt Rainier Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Unsecured Loans / Signature / LOC	8.49%
Details Published APR range: 8.49% - 17.99%. Unsecured Loan and Overdraft Line of Credit APR Ranges Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 8.49% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%

Mt Rainier Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term	View More
Kids Kickoff Special (21 & under)	0.20%	-	0.20%	6 month
Details Kids Kickoff Special (21 & under); $100 minimum deposit/$1,000 maximum deposit; Term Tiers Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.20% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%

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

Mt Rainier Federal Credit Union’s Texas Ratio rose from 0.29% in Q4 2025 to 1.45% in Q2 2026, so its financial health has stayed very strong over the past 3 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	$26M	1.45%	5.0	A+
March 31, 2026	$27M	0.27%	5.0	A+
December 31, 2025	$27M	0.29%	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 Mt Rainier 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 Mt Rainier 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 Mt Rainier Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Mt Rainier Federal Credit Union

Website https://www.mtrainierfcu.com

Address 303 W Meeker, Puyallup, WA 98371

Phone 253-841-2668

Fax 253-841-3835

President Robert Thompson

CEO Guillermo Bunze

Full-Time Employees 6

Part-Time Employees 2

Branch Locations 2

ATM Locations 0

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

1.45%

Return on Assets (ROA)

0.0564%

Return on Equity (ROE)

0.4224%

Non-Performing Loans Ratio (NPL)

0.72%

Total Assets

26,334,096

Total Amount of Shares and Deposits

22,776,912

Total Shares and Deposits < 1 Year

22,768,142

Total Shares and Deposits 1 3 Years

8,769

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

966,669

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

966,669

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

21,810,243

Total Interest Expense (Sum of items 6 8)

98,445

Share Certificates

Number of Accounts for Share Drafts

562

Number of Accounts for Regular Shares

1,257

Money Market Shares

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)

1,412,699

Total Liabilities

22,814,721

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Mt Rainier 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.

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

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Frequently Asked Questions About Mt Rainier Federal Credit Union

How many branches does Mt Rainier Federal Credit Union operate?

Mt Rainier 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 Mt Rainier Federal Credit Union?

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

Does Mt Rainier Federal Credit Union offer online and mobile banking?

Most modern institutions like Mt Rainier 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.mtrainierfcu.com.