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OUR Credit Union Rates and Review February 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
  • Automated Rate Data Aggregation
  • Location-Based Rate Tables
  • 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.
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  3. OUR Credit Union Deposit Rates
OUR Credit Union's 5 Month CD Special rates are at 4.08%, 60 Month CD Account rates are at 1.76%, 60 month Roth IRA - 60 Month CD rates are at 1.76%, 48 Month CD Account rates are at 1.51%, 48 month Roth IRA - 48 Month CD rates are at 1.51%. OUR Credit Union's savings rates are at 0.05%. OUR Credit Union's Personal Credit Line (Overdraft Loan) Variable Rate rates are at 9.75%. OUR Credit Union's Personal Loan Rates are at 9.75%.

OUR Credit Union

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

OUR Credit Union Texas Ratio

OUR Credit Union's Texas Ratio is at 3.86%, which is considered excellent. The Texas Ratio for OUR Credit Union is lower than the national average of all banks, currently at 6.13%. The Texas Ratio is a key indicator of financial health. This indicates that OUR Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.

MonitorBankRates Rating

5.0
Excellent
Out of 5.0 Stars

OUR Credit Union has earned a Smart Rating of 5.0 out of 5 stars. 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.

Overall, OUR Credit Union is an excellent credit union worth considering, with an overall rating of 5.0 stars out of 5 stars.

Current Interest Rates

Product
APY/APR
vs.Avg
12-Month CD
1.00%
2.38%
18-Month CD
1.10%
2.14%
24-Month CD
1.26%
2.17%
36-Month CD
1.36%
2.11%
48-Month CD
1.51%
2.10%
60-Month CD
1.76%
2.23%
Savings
0.05%
0.60%
MMA
N/A
0.75%
30-Year Fixed
N/A
Compare
Credit Card
N/A
Compare
Personal Loan
9.75%
Compare

"N/A" indicates the product is not offered or the rate is unavailable.

OUR Credit Union
Normandy Office
3070 Normandy Rd
Royal Oak, MI 48073
Member NCUA
MonitorBankRates
Official Financial Rating
5.0
★★★★★
EXCELLENT
🏆

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