What are the current interest rates at Qualstar Credit Union?

Current rates for Qualstar Credit Union include: Savings: 0.75%, MMA: 3.51%

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Qualstar Credit Union Rates & Review October 2026

Q: How many branches does Qualstar Credit Union operate?

Qualstar 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.

Q: Is a member application needed to join Qualstar Credit Union?

Yes, to access services at Qualstar 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.

Q: Is there a first-time homebuyer program?

Currently, Qualstar 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Qualstar 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 14, 2026

Qualstar Credit Union's top rates as of October 14, 2026 are 3.51% APY on its IRA CD - 60-Mo. Term, 0.75% APY on savings, 3.51% APY on money market accounts, 0.50% APY on checking, personal loans from 11.49% APR, and credit cards from 11.49% APR, according to rates verified by MonitorBankRates. Other Qualstar Credit Union CD rates include CD - 3-Mo. Term at 3.51%, CD - 60-Mo. Term at 3.51%, and IRA CD - 6-Mo. Term at 3.40%. MonitorBankRates evaluates the financial stability of Qualstar Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.83%. Rates last updated and verified on 10/14/2026.

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

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

4.83%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Qualstar Credit Union
BOTHELL CORPORATE OFFICE

24000 35th Ave SE # 200
Bothell, WA 98021-8990

https://www.qualstarcu.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.

Qualstar Credit Union CD Rates

Product	Rate	APY	Term
IRA Certificate - 60-Mo. Term	3.45%	3.51%	60- months
Min Deposit $1,000 Details Compounds & Credits: Monthly Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.51% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.83%
Share Certificate - 3-Mo. Term	3.45%	3.51%	3 months
Min Deposit $1,000 Details Compounds: Monthly Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.51% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.83%
Share Certificate - 60-Mo. Term	3.45%	3.51%	60 months
Min Deposit $1,000 Details Compounds: Monthly Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.51% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.83%
IRA Certificate - 6-Mo. Term	3.35%	3.40%	6- months
Min Deposit $1,000 Details Compounds & Credits: Monthly Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.40% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.83%
Share Certificate - 6-Mo. Term	3.35%	3.40%	6 months
Min Deposit $1,000 Details Compounds: Monthly Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.40% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.83%
IRA Certificate - 48-Mo. Term	3.30%	3.35%	48- months
Min Deposit $1,000 Details Compounds & Credits: Monthly Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.35% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.83%
Share Certificate - 48-Mo. Term	3.30%	3.35%	48 months
Min Deposit $1,000 Details Compounds: Monthly Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.35% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.83%
IRA Certificate - 12-Mo. Term	3.20%	3.25%	12- months
Min Deposit $1,000 Details Compounds & Credits: Monthly Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.83%
IRA Certificate - 18-Mo. Term	3.20%	3.25%	18- months
Min Deposit $1,000 Details Compounds & Credits: Monthly Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.83%
IRA Certificate - 24-Mo. Term	3.20%	3.25%	24- months
Min Deposit $1,000 Details Compounds & Credits: Monthly Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.83%
IRA Certificate - 36-Mo. Term	3.20%	3.25%	36- months
Min Deposit $1,000 Details Compounds & Credits: Monthly Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.83%
Share Certificate - 12-Mo. Term	3.20%	3.25%	12 months
Min Deposit $1,000 Details Compounds: Monthly Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.83%
Share Certificate - 18-Mo. Term	3.20%	3.25%	18 months
Min Deposit $1,000 Details Compounds: Monthly Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.83%
Share Certificate - 24-Mo. Term	3.20%	3.25%	24 months
Min Deposit $1,000 Details Compounds: Monthly Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.83%
Share Certificate - 30-Mo. Term	3.20%	3.25%	30 months
Min Deposit $1,000 Details Compounds: Monthly Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.83%
Share Certificate - 36-Mo. Term	3.20%	3.25%	36 months
Min Deposit $1,000 Details Compounds: Monthly Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.83%

Qualstar Credit Union Savings Rates

Product	Rate	APY	View More
Savings	0.75%	0.75%
Details Min. to Open:; Min. to Earn Dividends:; Compounds & Credits: Monthly Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.83%

Qualstar Credit Union Money Market Rates

Product	Rate	APY
Premier Money Market	3.45%	3.51%
Min Balance $1,000 Details Monthly compounding; no minimum to open per footnote; eStatement enrollment required Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.51% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.83%
IRA Money Market	1.49%	1.50%
Min Balance $10,000 Details Balance: $10,000-$49,999.99; Monthly compounding; no minimum balance to earn dividends Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 1.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.83%
IRA Money Market	1.49%	1.50%
Min Balance $50,000 Details Balance: $50,000-$99,999.99; Monthly compounding; no minimum balance to earn dividends Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 1.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.83%
IRA Money Market	1.49%	1.50%
Min Balance $100,000 Details Balance: $100,000+; Monthly compounding; no minimum balance to earn dividends Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 1.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.83%
Money Market	1.49%	1.50%
Min Deposit $1,000 Min Balance $1,000 Details Monthly compounding; no minimum to open, contact us to upgrade to highest rate Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.83%
IRA Money Market	1.24%	1.25%
Min Balance $0 Details Balance: $0 - $9,999.99; Monthly compounding; no minimum balance to earn dividends Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 1.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.83%

Qualstar Credit Union Checking Rates

Product	Rate	APY
Premier Checking	0.50%	0.50%
Min Balance $10,000 Details Balance: $10,000-$49,999.99; compounds monthly Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.83%
Premier Checking	0.50%	0.50%
Min Balance $50,000 Details Balance: $50,000-$99,999.99; compounds monthly Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.83%
Premier Checking	0.50%	0.50%
Min Balance $100,000 Details Balance: $100,000 and over; compounds monthly Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.83%
Premier Checking	0.25%	0.25%
Min Balance $2,500 Details Balance: $2,500-$9,999.99; compounds monthly Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.83%
Simply Checking	0.05%	0.05%
Min Deposit $150 Details Minimum: $150 or Direct Deposit; Dividend rate 0.05%; compounds monthly; footnote: Rates may change after account opening. Fees may reduce earnings Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.83%
Union Checking	0.05%	0.05%
Details Available only for Union members who receive union benefit funds via direct deposit from a participating union; compounds monthly Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.83%

Qualstar Credit Union Home Equity & HELOC

Product	Rate	Points	APR
Home Equity Loan	-	-	4.74%
Details As Low As; Click for rates & terms Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 4.74% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.83%
Home Equity Advantage Equity (to 80% LTV)	5.24%	-	5.24%
Details Rates range 5.24% to 10.24%; Rates To: 10.24%; Fixed rates; full appraisal required for loan amount >$150,000; Available in WA, OR, ID and AK; Rates Effective 01/19/2026 Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 10.24% → 5.24% ▼ 5.00 pts · high 10.24% / low 5.24% Oct 14, 20265.24%▼ from 10.24% Sep 14, 202610.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.83%
Home Equity Non-Owner-Occupied Advantage Equity (to 70% LTV)	5.24%	-	5.24%
Details Rates range 5.24% to 9.74%; Rates To: 9.74%; Fixed rates; Available in WA, OR, ID and AK; Rates Effective 01/19/2026 Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 9.74% → 5.24% ▼ 4.50 pts · high 9.74% / low 5.24% Oct 14, 20265.24%▼ from 9.74% Sep 14, 20269.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.83%
Home Equity Option Equity (to 70% LTV)	6.25%	-	6.25%
Details Rates range 6.25% to 9.75%; Rates To: 9.75%; Interest-only line of credit; Variable rates, Prime -.50% to +3.00%, adjusted quarterly; max. rate 18.00% APR; min. payment is interest due; full appraisal required for loan amount >$150,000; Available in WA, OR, ID and AK; Rates Effective 01/19/2026 Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 9.75% → 6.25% ▼ 3.50 pts · high 9.75% / low 6.25% Oct 14, 20266.25%▼ from 9.75% Sep 14, 20269.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.83%
Home Equity Non-Owner-Occupied Option Equity (up to 70% LTV)	6.75%	-	6.75%
Details Rates range 6.75% to 9.75%; Rates To: 9.75%; Interest-only line of credit; Variable rates, Prime +.0% to +2.00%, adjusted quarterly; max. rate 18.00% APR; min. payment is interest due; Available in WA, OR, ID and AK; Rates Effective 01/19/2026 Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 9.75% → 6.75% ▼ 3.00 pts · high 9.75% / low 6.75% Oct 14, 20266.75%▼ from 9.75% Sep 14, 20269.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.83%
Home Equity Option Equity (to 80% LTV)	6.75%	-	6.75%
Details Rates range 6.75% to 10.25%; Rates To: 10.25%; Interest-only line of credit; Variable rates, Prime -.50% to +3.00%, adjusted quarterly; max. rate 18.00% APR; min. payment is interest due; full appraisal required for loan amount >$150,000; Available in WA, OR, ID and AK; Rates Effective 01/19/2026 Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 10.25% → 6.75% ▼ 3.50 pts · high 10.25% / low 6.75% Oct 14, 20266.75%▼ from 10.25% Sep 14, 202610.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.83%
Home Equity Advantage Equity (to 85% LTV)	7.24%	-	7.24%
Details Rates range 7.24% to 11.24%; Rates To: 11.24%; Fixed rates; full appraisal required for loan amount >$150,000; Available in WA, OR, ID and AK; Rates Effective 01/19/2026 Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 11.24% → 7.24% ▼ 4.00 pts · high 11.24% / low 7.24% Oct 14, 20267.24%▼ from 11.24% Sep 14, 202611.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.83%
Home Equity Option Equity (to 85% LTV)	8.25%	-	8.25%
Details Rates range 8.25% to 10.75%; Rates To: 10.75%; Interest-only line of credit; Variable rates, Prime -.50% to +3.00%, adjusted quarterly; max. rate 18.00% APR; min. payment is interest due; full appraisal required for loan amount >$150,000; Available in WA, OR, ID and AK; Rates Effective 01/19/2026 Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 10.75% → 8.25% ▼ 2.50 pts · high 10.75% / low 8.25% Oct 14, 20268.25%▼ from 10.75% Sep 14, 202610.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.83%

Qualstar Credit Union Auto Loan Rates

Product	Rate	Points	APR
Auto Loans	-	-	4.49%
Details As Low As; Click for rates & terms Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 4.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.83%
First Time Auto Buyer (2002 & Newer)	8.74%	-	10.74%
Details Rates From 8.74% to Rates To 10.74% (APR); Up to 110% financing; First Time Buyer Program for applicants with no auto credit history and no credit score (or less than 620); minimum 1-year employment history; no late payments on existing credit; income verification, two personal references and proof of insurance required; Rates Effective 07/01/2026 Last Updated 10/14/2026 Rate History 2 changes since Sep 14, 2026 · 10.74% → 10.74% ▼ 0.00 pts · high 10.74% / low 8.74% Oct 14, 202610.74%▲ from 8.74% Sep 18, 20268.74%▼ from 10.74% Sep 14, 202610.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.83%
New Auto (2024 & Newer)	4.49%	-	19.99%
Details Rates From 4.49% to Rates To 19.99% (APR); Up to 140% financing; Lowest rate shown applies to LTV less than 100%; Rates Effective 02/20/2026 Last Updated 10/14/2026 Rate History 2 changes since Sep 14, 2026 · 19.99% → 19.99% ▼ 0.00 pts · high 19.99% / low 4.49% Oct 14, 202619.99%▲ from 4.49% Sep 18, 20264.49%▼ from 19.99% Sep 14, 202619.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.83%
Used Auto (2019-2023)	4.49%	-	19.99%
Details Rates From 4.49% to Rates To 19.99% (APR); Up to 140% financing; Lowest rate shown applies to LTV less than 100%; Rates Effective 02/20/2026 Last Updated 10/14/2026 Rate History 2 changes since Sep 14, 2026 · 19.99% → 19.99% ▼ 0.00 pts · high 19.99% / low 4.49% Oct 14, 202619.99%▲ from 4.49% Sep 18, 20264.49%▼ from 19.99% Sep 14, 202619.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.83%
Used Auto (2002-2018)	5.49%	-	21.99%
Details Rates From 5.49% to Rates To 21.99% (APR); Up to 140% financing; Lowest rate shown applies to LTV less than 100%; Rates Effective 02/20/2026 Last Updated 10/14/2026 Rate History 2 changes since Sep 14, 2026 · 21.99% → 21.99% ▼ 0.00 pts · high 21.99% / low 5.49% Oct 14, 202621.99%▲ from 5.49% Sep 18, 20265.49%▼ from 21.99% Sep 14, 202621.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.83%

Qualstar Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR
New/Used Boat (2002 & Newer) Loan	5.99%	13.49%
Details Rates From 5.99% to Rates To 13.49% (APR); Up to 105% financing; Rates Effective 01/01/2026 Last Updated 10/14/2026 Rate History 2 changes since Sep 14, 2026 · 13.49% → 13.49% ▼ 0.00 pts · high 13.49% / low 5.99% Oct 14, 202613.49%▲ from 5.99% Sep 22, 20265.99%▼ from 13.49% Sep 14, 202613.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.83%
New/Used ATVs, Jet Skis, Dirt Bikes & Utility Trailers (2007 and Newer) Loan	7.49%	14.49%
Details Rates From 7.49% to Rates To 14.49% (APR); Up to 105% financing; Rates Effective 01/01/2026 Last Updated 10/14/2026 Rate History 2 changes since Sep 14, 2026 · 14.49% → 14.49% ▼ 0.00 pts · high 14.49% / low 7.49% Oct 14, 202614.49%▲ from 7.49% Sep 22, 20267.49%▼ from 14.49% Sep 14, 202614.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.83%
New/Used Motorcycle (2011 & Newer) Loan	6.49%	15.99%
Details Rates From 6.49% to Rates To 15.99% (APR); Up to 115% financing; Rates Effective 01/01/2026 Last Updated 10/14/2026 Rate History 2 changes since Sep 14, 2026 · 15.99% → 15.99% ▼ 0.00 pts · high 15.99% / low 6.49% Oct 14, 202615.99%▲ from 6.49% Sep 22, 20266.49%▼ from 15.99% Sep 14, 202615.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.83%
New/Used RV (2002 & Newer) Loan	6.74%	20.74%
Details Rates From 6.74% to Rates To 20.74% (APR); Up to 105% financing; Rates Effective 01/01/2026 Last Updated 10/14/2026 Rate History 2 changes since Sep 14, 2026 · 20.74% → 20.74% ▼ 0.00 pts · high 20.74% / low 6.74% Oct 14, 202620.74%▲ from 6.74% Sep 22, 20266.74%▼ from 20.74% Sep 14, 202620.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.83%

Qualstar Credit Union Credit Card Rates

Product	Rate	APR
Visa Credit Cards	-	11.49%
Details As Low As; Click for rates & terms Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 11.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.83%
Visa Gold (Unsecured)	-	11.49%
Details Rates From/To: 11.49% - 23.74%; Variable Rate; Prime +4.74% to +23.74%, adjusted quarterly, maximum rates are 14.99% APR to 23.74% APR; Minimum payment is the greater of 1% of the balance plus interest due or $25; 25-day grace period; 2% cash advance fee; NO overlimit fee & NO annual fee; Rates Effective 01/19/2026 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 11.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.83%
Visa Rewards (Unsecured)	-	13.49%
Details Earn cash on purchases; $1=1.5 points; Rates From/To: 13.49% - 19.49%; Variable Rate; Prime +6.74% to +12.74%, adjusted quarterly, maximum rates are 16.99% APR to 22.99% APR; Minimum payment is the greater of 1% of the balance plus interest due or $25; 25-day grace period; 2% cash advance fee; NO overlimit fee & NO annual fee; Rates Effective 01/19/2026 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 13.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.83%

Qualstar Credit Union Personal Loan Rates

Product	APR	Term	View More
Visa Gold (Unsecured)	11.49%
Details Rates From/To: 11.49% - 23.74%; Variable Rate; Prime +4.74% to +23.74%, adjusted quarterly, maximum rates are 14.99% APR to 23.74% APR; Minimum payment is the greater of 1% of the balance plus interest due or $25; 25-day grace period; 2% cash advance fee; NO overlimit fee & NO annual fee; Rates Effective 01/19/2026 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 11.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.83%
Personal Line of Credit	13.49%
Details As Low As; Click for rates & terms Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 13.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.83%
Visa Rewards (Unsecured)	13.49%
Details Earn cash on purchases; $1=1.5 points; Rates From/To: 13.49% - 19.49%; Variable Rate; Prime +6.74% to +12.74%, adjusted quarterly, maximum rates are 16.99% APR to 22.99% APR; Minimum payment is the greater of 1% of the balance plus interest due or $25; 25-day grace period; 2% cash advance fee; NO overlimit fee & NO annual fee; Rates Effective 01/19/2026 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 13.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.83%

Qualstar Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Gateway Line of Credit	27.99%	-	27.99%
Details Variable rate; Prime +23.99%, adjusted quarterly; min. rate 27.99%; max. rate 39.74%; account fee may apply; Rates effective 03/01/2023 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 27.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.83%
Saving4__	1.00%	-	1.00%	6-24 months
Details 6-24 month terms available; Min. to Open:; Min. to Earn Dividends:; Compounds & Credits: Monthly Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 1.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.83%
StarSavers & MyCash Savings	0.75%	-	0.75%
Details Youth account; compounds and credits monthly; Rates effective 04/01/2025; APY is Annual Percentage Yield, rates may change after account is opened, fees may reduce earnings Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.83%

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

Qualstar Credit Union’s Texas Ratio stayed near 5.14% in Q3 2023 to 4.83% 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; 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	$939M	4.83%	5.0	A+
March 31, 2026	$923M	4.37%	5.0	A+
December 31, 2025	$902M	5.37%	5.0	A+
September 30, 2025	$891M	4.61%	5.0	A+
June 30, 2025	$874M	6.34%	5.0	A
March 31, 2025	$873M	6.77%	5.0	A
December 31, 2024	$832M	9.20%	5.0	A
September 30, 2024	$822M	7.80%	5.0	A
June 30, 2024	$806M	8.04%	5.0	A
March 31, 2024	$1.0B	6.21%	5.0	A
December 31, 2023	$984M	7.42%	5.0	A
September 30, 2023	$985M	5.14%	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 Qualstar 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 Qualstar 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 Qualstar Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Qualstar Credit Union

Website https://www.qualstarcu.com

Address 24000 35th Ave SE # 200, Bothell, WA 98021-8990

Phone 800-848-0018

Fax

President MITCH JOHNSON

CEO MICHAEL ELFSTROM

Full-Time Employees 113

Part-Time Employees 1

Branch Locations 4

ATM Locations 4

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

4.83%

Return on Assets (ROA)

0.6987%

Return on Equity (ROE)

4.3594%

Non-Performing Loans Ratio (NPL)

1.41%

Total Assets

939,346,207

Total Amount of Shares and Deposits

774,581,190

Total Shares and Deposits < 1 Year

762,609,013

Total Shares and Deposits 1 3 Years

8,127,034

Total Shares and Deposits > 3 Years

3,845,143

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

65,945,513

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

65,945,513

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

708,635,677

Total Interest Expense (Sum of items 6 8)

8,928,204

Share Certificates

1,376

Number of Accounts for Share Drafts

48,194

IRA KEOGH Accounts

1,167

Number of Accounts for Regular Shares

22,312

All other shares

Non Member Deposits

10,089

Money Market Shares

11,095

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)

85,870,596

Total Liabilities

786,776,878

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Qualstar Credit Union earned the Verified Healthy badge

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Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Qualstar Credit Union

How many branches does Qualstar Credit Union operate?

Qualstar 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 Qualstar Credit Union?

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

Does Qualstar Credit Union offer online and mobile banking?

Most modern institutions like Qualstar 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.qualstarcu.com.

Current Qualstar Credit Union Rates

Savings0.75%
MMA3.51%

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

Compare to Other Credit Unions

Qualstar Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

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Qualstar Credit Union Texas Ratio

Qualstar Credit Union Health Trend

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Qualstar Credit Union Home Equity & HELOC

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Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Qualstar Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Qualstar Credit Union

How many branches does Qualstar Credit Union operate?

Is a member application needed to join Qualstar Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Qualstar Credit Union offer online and mobile banking?

Current Qualstar Credit Union Rates

Compare to Other Credit Unions