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Pipefitters Steamfitters Credit Union Rates & Review October 2026

Pipefitters Steamfitters Credit Union's top rates as of October 13, 2026 are 3.04% APY on its 12 Month Roth IRA CD, personal loans from 6.75% APR, and credit cards from 8.75% APR, according to rates verified by MonitorBankRates. Other Pipefitters Steamfitters Credit Union CD rates include 12 Month Traditional IRA at 3.04%, 60 Month CD at 3.04%, and 18 Month CD at 2.99%. MonitorBankRates evaluates the financial stability of Pipefitters Steamfitters Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.83%. Rates last updated and verified on 10/13/2026.

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

MonitorBankRates Verified Healthy Badge Q2 2026 Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 98/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
3.83%
Excellent Lower than avg
Health Trend ?
Very strong 12 quarters
Full history ›
Pipefitters Steamfitters Credit Union
Pipefitter Steamfitters Credit Union
6445 Lake Road Ter Ste 200
Woodbury, MN 55125-1495
https://www.pipefitterscu.org
Member NCUA
Customer Reviews
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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.

Pipefitters Steamfitters Credit Union CD Rates

Product Rate APY Term View More
12 Month Roth IRA 3.00% 3.042% 12 Months
Min Deposit $500
Details IRAs
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 3.04% APY · checked 6 times
2.54%3.04%3.54%Sep 14, 2026: 3.04% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.83%
12 Month Traditional IRA 3.00% 3.042% 12 Months
Min Deposit $500
Details IRAs
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 3.04% APY · checked 6 times
2.54%3.04%3.54%Sep 14, 2026: 3.04% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.83%
60 Month Certificate 3.00% 3.042% 60 months
Min Deposit $10,000
Details Certificate Specials; Minimum Amount: $10,000.00
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 3.04% APY · checked 6 times
2.54%3.04%3.54%Sep 14, 2026: 3.04% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.83%
18 Month Certificate 2.95% 2.99% 18 months
Min Deposit $500
Details Certificates; APR and APY as printed in the Savings Rates table
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 2.99% APY · checked 6 times
2.49%2.99%3.49%Sep 14, 2026: 2.99% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.83%
12 Month Certificate 2.85% 2.888% 12 months
Min Deposit $500
Details Certificates; APR and APY as printed in the Savings Rates table
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 2.89% APY · checked 6 times
2.39%2.89%3.39%Sep 14, 2026: 2.89% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.83%
48 Month Certificate 2.80% 2.836% 48 months
Min Deposit $10,000
Details Certificate Specials; Minimum Amount: $10,000.00
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 2.84% APY · checked 6 times
2.34%2.84%3.34%Sep 14, 2026: 2.84% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.83%
6 Month Certificate 2.75% 2.785% 6 months
Min Deposit $500
Details Certificates; APR and APY as printed in the Savings Rates table
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 2.79% APY · checked 6 times
2.29%2.79%3.29%Sep 14, 2026: 2.79% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.83%
24 Month Roth IRA 2.60% 2.631% 24 Months
Min Deposit $500
Details IRAs
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 2.63% APY · checked 6 times
2.13%2.63%3.13%Sep 14, 2026: 2.63% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.83%
24 Month Traditional IRA 2.60% 2.631% 24 Months
Min Deposit $500
Details IRAs
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 2.63% APY · checked 6 times
2.13%2.63%3.13%Sep 14, 2026: 2.63% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.83%
36 Month Certificate 2.60% 2.631% 36 months
Min Deposit $500
Details Certificates; APR and APY as printed in the Savings Rates table
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 2.63% APY · checked 6 times
2.13%2.63%3.13%Sep 14, 2026: 2.63% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.83%
24 Month Certificate 2.50% 2.529% 24 months
Min Deposit $500
Details Certificates; APR and APY as printed in the Savings Rates table
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 2.53% APY · checked 6 times
2.03%2.53%3.03%Sep 14, 2026: 2.53% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.83%

Pipefitters Steamfitters Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity Up To 80% LTV - - 5.99% 120 Months
Details As Low As; Up to 80% LTV
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 5.99% APR · checked 3 times
5.49%5.99%6.49%Sep 14, 2026: 5.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.83%
Home Equity Up To 80% LTV - - 6.75% 180 Months
Details As Low As; Up to 80% LTV
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 6.75% APR · checked 3 times
6.25%6.75%7.25%Sep 14, 2026: 6.75% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.83%

Pipefitters Steamfitters Credit Union Auto Loan Rates

Product Rate Points APR Term View More
New Vehicle 2023-Newer - 36 Months Loan - - 4.99% 36 Months
Details As Low As; APR as low as 4.99%
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 6 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.83%
Used Vehicle 2016-2022 Loan - - 5.25% 36 Months
Details As Low As; Used Vehicle 2016-2022
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 5.25% APR · checked 5 times
4.75%5.25%5.75%Sep 14, 2026: 5.25% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.83%
New Vehicle 2023-Newer - 60 Months Loan - - 5.75% 60 Months
Details As Low As; APR as low as 5.75%
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 5.75% APR · checked 6 times
5.25%5.75%6.25%Sep 14, 2026: 5.75% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.83%
Used Vehicle 2016-2022 Loan - - 5.75% 48 Months
Details As Low As; Used Vehicle 2016-2022
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 5.75% APR · checked 5 times
5.25%5.75%6.25%Sep 14, 2026: 5.75% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.83%
New Vehicle 2023-Newer - 72 Months Loan - - 6.25% 72 Months
Details As Low As; APR as low as 6.25%
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 6.25% APR · checked 6 times
5.75%6.25%6.75%Sep 14, 2026: 6.25% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.83%
Equity Vehicle - 60 Months Loan - - 6.50% 60 Months
Details As Low As; Equity Vehicle loan
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 6.50% APR · checked 6 times
6.00%6.50%7.00%Sep 14, 2026: 6.50% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.83%
Used Vehicle 2016-2022 Loan - - 6.50% 60 Months
Details As Low As; Used Vehicle 2016-2022
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 6.50% APR · checked 5 times
6.00%6.50%7.00%Sep 14, 2026: 6.50% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.83%
New Vehicle 2023-Newer - 84 Months Loan - - 7.25% 84 Months
Details As Low As; APR as low as 7.25%
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 7.25% APR · checked 6 times
6.75%7.25%7.75%Sep 14, 2026: 7.25% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.83%
Used Vehicle 2016-2022 Loan - - 7.25% 72 Months
Details As Low As; Used Vehicle 2016-2022
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 7.25% APR · checked 5 times
6.75%7.25%7.75%Sep 14, 2026: 7.25% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.83%
Equity Vehicle - 72 Months Loan - - 7.75% 72 Months
Details As Low As; Equity Vehicle loan
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 7.75% APR · checked 6 times
7.25%7.75%8.25%Sep 14, 2026: 7.75% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.83%
Older Used Vehicle Loan - - 8.25% 48 Months
Details As Low As; Older Used Vehicle loan
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 8.25% APR · checked 6 times
7.75%8.25%8.75%Sep 14, 2026: 8.25% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.83%

Pipefitters Steamfitters Credit Union RV, Boat and Powersport Loan Rates

Product Rate APR Term View More
RV, Boat or Motorcycle - New Loan - 6.75%
Details As Low As; New
Last Updated 10/13/2026
Rate History
No change since Sep 18, 2026 · 6.75% APR · checked 2 times
6.25%6.75%7.25%Sep 18, 2026: 6.75% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.83%
ATV/PWC/Snowmobile - New Loan - 7.15%
Details As Low As; ATV/PWC/Snowmobile New
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 7.15% APR · checked 4 times
6.65%7.15%7.65%Sep 14, 2026: 7.15% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.83%
RV, Boat or Motorcycle - Used Loan - 7.99%
Details As Low As; Used
Last Updated 10/13/2026
Rate History
No change since Sep 18, 2026 · 7.99% APR · checked 2 times
7.49%7.99%8.49%Sep 18, 2026: 7.99% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.83%
ATV/PWC/Snowmobile - Used Loan - 9.75%
Details As Low As; ATV/PWC/Snowmobile Used
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 9.75% APR · checked 4 times
9.25%9.75%10.25%Sep 14, 2026: 9.75% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.83%

Pipefitters Steamfitters Credit Union Credit Card Rates

Product Rate APR View More
Visa Credit Card - 8.75%
Details As Low As; Visa Credit Card as low as 8.75% APR*
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 8.75% APR · checked 6 times
8.25%8.75%9.25%Sep 14, 2026: 8.75% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.83%

Pipefitters Steamfitters Credit Union Personal Loan Rates

Product APR Term View More
Personal Unsecured Loan 6.75% 24 Months
Details As Low As; Personal Unsecured loan, 24 Months
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 6.75% APR · checked 6 times
6.25%6.75%7.25%Sep 14, 2026: 6.75% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.83%
Personal Unsecured Loan 7.75% 48 Months
Details As Low As; Personal Unsecured loan, 48 Months
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 7.75% APR · checked 6 times
7.25%7.75%8.25%Sep 14, 2026: 7.75% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.83%

Financial Health History

Pipefitters Steamfitters Credit Union’s Texas Ratio stayed near 3.83% in Q3 2023 to 3.83% 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.

0% 1.0★ 1.5% 2.0★ 3.1% 3.0★ 4.6% 4.0★ 6.1% 5.0★ Healthy zone – entire history below the 15% limit 3.83% A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 A+ Q1 2026 3.83% A+ Q2 2026
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
Powered by MonitorBankRates

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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$52M3.83%5.0A+
March 31, 2026$52M3.53%5.0A+
December 31, 2025$50M2.14%5.0A+
September 30, 2025$49M3.60%5.0A+
June 30, 2025$51M4.55%5.0A+
March 31, 2025$51M3.82%5.0A+
December 31, 2024$50M3.75%5.0A+
September 30, 2024$52M2.73%5.0A+
June 30, 2024$50M2.53%5.0A+
March 31, 2024$52M2.07%5.0A+
December 31, 2023$52M4.53%5.0A+
September 30, 2023$51M3.83%5.0A+
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 Pipefitters Steamfitters 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 Pipefitters Steamfitters 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 Pipefitters Steamfitters Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Pipefitters Steamfitters Credit Union
Address 6445 Lake Road Ter Ste 200, Woodbury, MN 55125-1495
Phone 651-227-0771
Fax 651-228-0824
President Ryan Vail
CEO Jennifer Davis
Full-Time Employees 7
Part-Time Employees 0
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+ (98/100)
Texas Ratio
3.83%
Return on Assets (ROA)
0.8433%
Return on Equity (ROE)
6.2773%
Non-Performing Loans Ratio (NPL)
1.07%
Total Assets
51,597,285
Total Amount of Shares and Deposits
44,353,646
Total Shares and Deposits < 1 Year
43,433,144
Total Shares and Deposits 1 3 Years
898,045
Total Shares and Deposits > 3 Years
22,457
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
4,281,271
Total Uninsured Shares and Deposits > $250K (F+J)
4,281,271
Total Insured Shares and Deposits > $250K (item 17 less item K)
40,072,375
Total Interest Expense (Sum of items 6 8)
70,988
Share Certificates
74
Number of Accounts for Share Drafts
2,007
IRA KEOGH Accounts
63
Number of Accounts for Regular Shares
3,726
Net Income (unless the amount is already included in Undivided Earnings)
265,107
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)
6,799,037
Total Liabilities
44,665,476
Source: NCUA — Last Updated 06/30/2026
MonitorBankRates Verified Healthy Badge Q2 2026
Q2 2026 MBR Health & Safety Badge

Pipefitters Steamfitters 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.

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       alt="MonitorBankRates Verified Healthy Badge Q2 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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Frequently Asked Questions About Pipefitters Steamfitters Credit Union

How many branches does Pipefitters Steamfitters Credit Union operate?

Pipefitters Steamfitters 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 Pipefitters Steamfitters Credit Union?

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

Does Pipefitters Steamfitters Credit Union offer online and mobile banking?

Most modern institutions like Pipefitters Steamfitters 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.pipefitterscu.org.

Current Pipefitters Steamfitters Credit Union Rates

  • 12-Month CD2.89%
  • 18-Month CD2.99%
  • 24-Month CD2.53%
  • 60-Month CD3.04%
Retrieved from our database of financial products. Rates subject to change.