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Quest Federal Credit Union Rates & Review October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
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  • Location-Based Rate Tables
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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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| iEditorial Disclosure
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

Quest Federal Credit Union's top rates as of October 13, 2026 are 4.07% APY on its 60 MONTH CD, 2.79% APY on money market accounts, personal loans from 9.75% APR, and credit cards from 5.99% APR, according to rates verified by MonitorBankRates. Other Quest Federal Credit Union CD rates include 48 MONTH CD at 3.97%, 36 MONTH CD at 3.82%, and 60 MONTH CD at 3.82%. MonitorBankRates evaluates the financial stability of Quest Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.74%. Rates last updated and verified on 10/13/2026.

Quest 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 Quest Federal Credit Union? Share your experience about Quest Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Quest Federal 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
Excellent Health Score: 97/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
6.74%
Excellent Higher than avg
Health Trend ?
Steady 12 quarters
Full history ›
Quest Federal Credit Union
Quest Federal Credit Union
12837 US Highway 68
Kenton, OH 43326
https://www.questfcu.com
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.

Quest Federal Credit Union CD Rates

Product Rate APY Term View More
60 MONTH CERTIFICATE - 4.07% 60 months
Min Deposit $75,000
Last Updated 10/13/2026
Rate History
1 change since Sep 14, 2026 · 3.56% → 4.07% ▲ 0.51 pts · high 4.07% / low 3.56%
3.05%3.82%4.58%Sep 14, 2026: 3.56% APYOct 5, 2026: 4.07% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.07%▲ from 3.56%
  • Sep 14, 20263.56%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.74%
48 MONTH CERTIFICATE - 3.97% 48 months
Min Deposit $75,000
Last Updated 10/13/2026
Rate History
1 change since Sep 14, 2026 · 3.56% → 3.97% ▲ 0.41 pts · high 3.97% / low 3.56%
3.06%3.77%4.47%Sep 14, 2026: 3.56% APYOct 5, 2026: 3.97% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20263.97%▲ from 3.56%
  • Sep 14, 20263.56%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.74%
36 MONTH CERTIFICATE - 3.82% 36 months
Min Deposit $75,000
Last Updated 10/13/2026
Rate History
1 change since Sep 14, 2026 · 3.76% → 3.82% ▲ 0.06 pts · high 3.82% / low 3.76%
3.26%3.79%4.32%Sep 14, 2026: 3.76% APYOct 5, 2026: 3.82% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20263.82%▲ from 3.76%
  • Sep 14, 20263.76%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.74%
60 MONTH CERTIFICATE - 3.82% 60 months
Min Deposit $10,000
Last Updated 10/13/2026
Rate History
1 change since Sep 14, 2026 · 3.30% → 3.82% ▲ 0.52 pts · high 3.82% / low 3.30%
2.78%3.56%4.34%Sep 14, 2026: 3.30% APYOct 5, 2026: 3.82% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20263.82%▲ from 3.30%
  • Sep 14, 20263.30%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.74%
24 MONTH CERTIFICATE - 3.71% 24 months
Min Deposit $75,000
Last Updated 10/13/2026
Rate History
1 change since Sep 14, 2026 · 3.66% → 3.71% ▲ 0.05 pts · high 3.71% / low 3.66%
3.16%3.69%4.21%Sep 14, 2026: 3.66% APYOct 5, 2026: 3.71% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20263.71%▲ from 3.66%
  • Sep 14, 20263.66%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.74%
48 MONTH CERTIFICATE - 3.71% 48 months
Min Deposit $10,000
Last Updated 10/13/2026
Rate History
1 change since Sep 14, 2026 · 3.30% → 3.71% ▲ 0.41 pts · high 3.71% / low 3.30%
2.80%3.51%4.21%Sep 14, 2026: 3.30% APYOct 5, 2026: 3.71% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20263.71%▲ from 3.30%
  • Sep 14, 20263.30%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.74%
36 MONTH CERTIFICATE - 3.56% 36 months
Min Deposit $10,000
Last Updated 10/13/2026
Rate History
1 change since Sep 14, 2026 · 3.51% → 3.56% ▲ 0.05 pts · high 3.56% / low 3.51%
3.01%3.54%4.06%Sep 14, 2026: 3.51% APYOct 5, 2026: 3.56% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20263.56%▲ from 3.51%
  • Sep 14, 20263.51%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.74%
60 MONTH CERTIFICATE - 3.56% 60 months
Min Deposit $1,000
Last Updated 10/13/2026
Rate History
1 change since Sep 14, 2026 · 3.04% → 3.56% ▲ 0.52 pts · high 3.56% / low 3.04%
2.52%3.30%4.08%Sep 14, 2026: 3.04% APYOct 5, 2026: 3.56% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20263.56%▲ from 3.04%
  • Sep 14, 20263.04%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.74%
24 MONTH CERTIFICATE - 3.45% 24 months
Min Deposit $10,000
Last Updated 10/13/2026
Rate History
1 change since Sep 14, 2026 · 3.40% → 3.45% ▲ 0.05 pts · high 3.45% / low 3.40%
2.90%3.43%3.95%Sep 14, 2026: 3.40% APYOct 5, 2026: 3.45% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20263.45%▲ from 3.40%
  • Sep 14, 20263.40%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.74%
48 MONTH CERTIFICATE - 3.45% 48 months
Min Deposit $1,000
Last Updated 10/13/2026
Rate History
1 change since Sep 14, 2026 · 3.04% → 3.45% ▲ 0.41 pts · high 3.45% / low 3.04%
2.54%3.25%3.95%Sep 14, 2026: 3.04% APYOct 5, 2026: 3.45% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20263.45%▲ from 3.04%
  • Sep 14, 20263.04%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.74%
12 MONTH CERTIFICATE - 3.30% 12 months
Min Deposit $75,000
Last Updated 10/13/2026
Rate History
1 change since Sep 14, 2026 · 3.20% → 3.30% ▲ 0.10 pts · high 3.30% / low 3.20%
2.70%3.25%3.80%Sep 14, 2026: 3.20% APYOct 5, 2026: 3.30% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20263.30%▲ from 3.20%
  • Sep 14, 20263.20%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.74%
36 MONTH CERTIFICATE - 3.30% 36 months
Min Deposit $1,000
Last Updated 10/13/2026
Rate History
1 change since Sep 14, 2026 · 3.25% → 3.30% ▲ 0.05 pts · high 3.30% / low 3.25%
2.75%3.28%3.80%Sep 14, 2026: 3.25% APYOct 5, 2026: 3.30% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20263.30%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.74%
24 MONTH CERTIFICATE - 3.20% 24 months
Min Deposit $1,000
Last Updated 10/13/2026
Rate History
1 change since Sep 14, 2026 · 3.15% → 3.20% ▲ 0.05 pts · high 3.20% / low 3.15%
2.65%3.18%3.70%Sep 14, 2026: 3.15% APYOct 5, 2026: 3.20% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20263.20%▲ from 3.15%
  • Sep 14, 20263.15%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.74%
12 MONTH CERTIFICATE - 3.04% 12 months
Min Deposit $10,000
Last Updated 10/13/2026
Rate History
1 change since Sep 14, 2026 · 2.99% → 3.04% ▲ 0.05 pts · high 3.04% / low 2.99%
2.49%3.02%3.54%Sep 14, 2026: 2.99% APYOct 5, 2026: 3.04% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20263.04%▲ from 2.99%
  • Sep 14, 20262.99%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.74%
12 MONTH CERTIFICATE - 2.79% 12 months
Min Deposit $1,000
Last Updated 10/13/2026
Rate History
1 change since Sep 14, 2026 · 2.73% → 2.79% ▲ 0.06 pts · high 2.79% / low 2.73%
2.23%2.76%3.29%Sep 14, 2026: 2.73% APYOct 5, 2026: 2.79% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20262.79%▲ from 2.73%
  • Sep 14, 20262.73%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.74%
60 MONTH IRA CERT - 2.63% 60 months
Min Deposit $1,000
Details IRA certificate
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 2.63% APY · checked 8 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: 6.74%
36 MONTH IRA CERT - 2.27% 36 months
Min Deposit $1,000
Details IRA certificate
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 2.27% APY · checked 8 times
1.77%2.27%2.77%Sep 14, 2026: 2.27% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.74%
12 MONTH IRA CERT - 2.12% 12 months
Min Deposit $1,000
Details IRA certificate
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 2.12% APY · checked 8 times
1.62%2.12%2.62%Sep 14, 2026: 2.12% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.74%

Quest Federal Credit Union Savings Rates

Product Rate APY View More
CHRISTMAS CLUB - 0.35%
Min Balance $150
Details Effective Friday, May 1, 2026
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 0.35% APY · checked 8 times
0.00%0.43%0.85%Sep 14, 2026: 0.35% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.74%
VACATION CLUB - 0.35%
Min Balance $150
Details Effective Friday, May 1, 2026
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 0.35% APY · checked 8 times
0.00%0.43%0.85%Sep 14, 2026: 0.35% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.74%

Quest Federal Credit Union Money Market Rates

Product Rate APY View More
HIGH YIELD MONEY MARKET - 2.79%
Min Deposit $500
Min Balance $150,001
Details Balance: tier starts at $150001.01; Effective Friday, May 1, 2026
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 2.79% APY · checked 8 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: 6.74%
HIGH YIELD MONEY MARKET - 2.53%
Min Deposit $500
Min Balance $100,001
Details Balance: tier starts at $100001.01; Effective Friday, May 1, 2026
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 2.53% APY · checked 8 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: 6.74%
HIGH YIELD MONEY MARKET - 2.27%
Min Deposit $500
Min Balance $50,001
Details Balance: tier starts at $50001.01; Effective Friday, May 1, 2026
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 2.27% APY · checked 8 times
1.77%2.27%2.77%Sep 14, 2026: 2.27% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.74%
HIGH YIELD MONEY MARKET - 2.12%
Min Deposit $500
Min Balance $10,001
Details Balance: tier starts at $10001.01; Effective Friday, May 1, 2026
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 2.12% APY · checked 8 times
1.62%2.12%2.62%Sep 14, 2026: 2.12% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.74%
HIGH YIELD MONEY MARKET - 1.97%
Min Deposit $500
Min Balance $500
Details Balance: tier starts at $500; Effective Friday, May 1, 2026
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 1.97% APY · checked 8 times
1.47%1.97%2.47%Sep 14, 2026: 1.97% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.74%

Quest Federal Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity FIXED RATE HELOC 7YR BALLOON - - 6.50% 360 months
Details As Low As; Fixed Rate HELOC, Call CU for Details
Last Updated 10/13/2026
Rate History
No change since Sep 21, 2026 · 6.50% APR · checked 6 times
6.00%6.50%7.00%Sep 21, 2026: 6.50% APRSep 21, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.74%
Home Equity Line of Credit - - 9.00%
Details As Low As; Fix your home with our great low rates
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 9.00% APR · checked 3 times
8.50%9.00%9.50%Sep 14, 2026: 9.00% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.74%

Quest Federal Credit Union Auto Loan Rates

Product Rate Points APR Term View More
NEW VEHICLE LOAN - - 5.15% 72 months
Details As Low As; Buy that new vehicle you've been wanting!
Last Updated 10/13/2026
Rate History
1 change since Sep 21, 2026 · 5.10% → 5.15% ▲ 0.05 pts · high 5.15% / low 5.10%
4.60%5.13%5.65%Sep 21, 2026: 5.10% APROct 5, 2026: 5.15% APRSep 21, 2026Oct 13, 2026
  • Oct 5, 20265.15%▲ from 5.10%
  • Sep 21, 20265.10%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.74%
PRE OWNED VEHICLE LOAN - - 5.15% 60 months
Details As Low As; Great rates on used autos too!
Last Updated 10/13/2026
Rate History
1 change since Sep 21, 2026 · 5.10% → 5.15% ▲ 0.05 pts · high 5.15% / low 5.10%
4.60%5.13%5.65%Sep 21, 2026: 5.10% APROct 5, 2026: 5.15% APRSep 21, 2026Oct 13, 2026
  • Oct 5, 20265.15%▲ from 5.10%
  • Sep 21, 20265.10%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.74%
AG QUEST NEW AUTO - - 5.25% 84 months
Details As Low As; Annual Payment Available
Last Updated 10/13/2026
Rate History
No change since Sep 21, 2026 · 5.25% APR · checked 5 times
4.75%5.25%5.75%Sep 21, 2026: 5.25% APRSep 21, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.74%
AG QUEST PREOWNED AUTO - - 5.80% 84 months
Details As Low As; Annual Payments Available
Last Updated 10/13/2026
Rate History
No change since Sep 21, 2026 · 5.80% APR · checked 5 times
5.30%5.80%6.30%Sep 21, 2026: 5.80% APRSep 21, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.74%

Quest Federal Credit Union RV, Boat and Powersport Loan Rates

Product Rate APR Term View More
NEW RECREATIONAL VEHICLE LOAN - 7.80% 36 months
Details As Low As; RV's, Boats, Campers, Motorcycles, etc.
Last Updated 10/13/2026
Rate History
1 change since Sep 21, 2026 · 7.75% → 7.80% ▲ 0.05 pts · high 7.80% / low 7.75%
7.25%7.78%8.30%Sep 21, 2026: 7.75% APROct 5, 2026: 7.80% APRSep 21, 2026Oct 13, 2026
  • Oct 5, 20267.80%▲ from 7.75%
  • Sep 21, 20267.75%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.74%
PREOWNED RV LOAN - 7.80% 36 months
Details As Low As; Preowned RV's, Boats, Campers, Motorcycles, etc
Last Updated 10/13/2026
Rate History
1 change since Sep 21, 2026 · 7.75% → 7.80% ▲ 0.05 pts · high 7.80% / low 7.75%
7.25%7.78%8.30%Sep 21, 2026: 7.75% APROct 5, 2026: 7.80% APRSep 21, 2026Oct 13, 2026
  • Oct 5, 20267.80%▲ from 7.75%
  • Sep 21, 20267.75%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.74%

Quest Federal Credit Union Credit Card Rates

Product Rate APR View More
EXPEDITION CREDIT CARD - 5.99%
Details As Low As; RATES AS LOW AS 5.99%
Last Updated 10/13/2026
Rate History
No change since Sep 21, 2026 · 5.99% APR · checked 3 times
5.49%5.99%6.49%Sep 21, 2026: 5.99% APRSep 21, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.74%

Quest Federal Credit Union Personal Loan Rates

Product APR Term View More
SIGNATURE LOAN 9.75% 12 months
Details As Low As; Unsecured Loan, funds can be used for anything
Last Updated 10/13/2026
Rate History
1 change since Sep 21, 2026 · 9.70% → 9.75% ▲ 0.05 pts · high 9.75% / low 9.70%
9.20%9.73%10.25%Sep 21, 2026: 9.70% APROct 5, 2026: 9.75% APRSep 21, 2026Oct 13, 2026
  • Oct 5, 20269.75%▲ from 9.70%
  • Sep 21, 20269.70%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.74%

Quest Federal Credit Union Other Rates

Product Rate Points APY/APR Term View More
AG QUEST NEW UTILITY Loan - - 6.50% 84 months
Details As Low As; Skid Loaders, Utility Trailers, Stock Trailers, etc
Last Updated 10/13/2026
Rate History
No change since Sep 21, 2026 · 6.50% APR · checked 5 times
6.00%6.50%7.00%Sep 21, 2026: 6.50% APRSep 21, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.74%
AG QUEST USED UTILITY EQUIP Loan - - 6.50% 84 months
Details As Low As; Skid Loaders, Utility Trailers, Stock Trailers, etc
Last Updated 10/13/2026
Rate History
No change since Sep 21, 2026 · 6.50% APR · checked 5 times
6.00%6.50%7.00%Sep 21, 2026: 6.50% APRSep 21, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.74%
CHRISTMAS/HOLIDAY LOAN - - 8.65% 58 months
Details As Low As; Christmas/Holiday loan rates are great
Last Updated 10/13/2026
Rate History
No change since Sep 21, 2026 · 8.65% APR · checked 5 times
8.15%8.65%9.15%Sep 21, 2026: 8.65% APRSep 21, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.74%
UTILITY EQUIPMENT Loan - - 7.80% 36 months
Details As Low As; Utility Trailers, Garden Tractors, <50 HP motor
Last Updated 10/13/2026
Rate History
1 change since Sep 21, 2026 · 7.75% → 7.80% ▲ 0.05 pts · high 7.80% / low 7.75%
7.25%7.78%8.30%Sep 21, 2026: 7.75% APROct 5, 2026: 7.80% APRSep 21, 2026Oct 13, 2026
  • Oct 5, 20267.80%▲ from 7.75%
  • Sep 21, 20267.75%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.74%
INTEREST BEARING CHK - - 0.75%
Min Balance $500
Details Effective Friday, May 1, 2026
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 0.75% APY · checked 8 times
0.25%0.75%1.25%Sep 14, 2026: 0.75% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.74%
INTEREST BEARING CHK - - 1.01%
Min Balance $1,500
Details Effective Friday, May 1, 2026
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 1.01% APY · checked 8 times
0.51%1.01%1.51%Sep 14, 2026: 1.01% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.74%
MISC SHARES - - 0.35%
Min Balance $150
Details Effective Friday, May 1, 2026
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 0.35% APY · checked 8 times
0.00%0.43%0.85%Sep 14, 2026: 0.35% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.74%
REGULAR SHARES - - 0.35%
Min Balance $150
Details Effective Friday, May 1, 2026
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 0.35% APY · checked 8 times
0.00%0.43%0.85%Sep 14, 2026: 0.35% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.74%
ROTH IRA SHARE - - 1.36%
Min Balance $150
Details Effective Friday, May 1, 2026
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 1.36% APY · checked 8 times
0.86%1.36%1.86%Sep 14, 2026: 1.36% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.74%
TRAD IRA SHARE - - 1.36%
Min Balance $150
Details Effective Friday, May 1, 2026
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 1.36% APY · checked 8 times
0.86%1.36%1.86%Sep 14, 2026: 1.36% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.74%
TRANSACTIONAL SHARES - - 0.35%
Min Balance $150
Details Effective Friday, May 1, 2026
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 0.35% APY · checked 8 times
0.00%0.43%0.85%Sep 14, 2026: 0.35% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.74%
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.
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Financial Health History

Quest Federal Credit Union’s Texas Ratio fell from 7.63% in Q3 2023 to 6.74% in Q2 2026, so its financial health has held steady at a healthy level 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.

0% 1.0★ 4.1% 2.0★ 8.3% 3.0★ 12.4% 4.0★ 16.5% 5.0★ 15% Verified Healthy limit – lower is healthier Healthy zone 7.63% 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 6.74% 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 Grade15% Verified Healthy limit (green zone below = healthy)
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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$238M6.74%5.0A
March 31, 2026$242M7.58%5.0A
December 31, 2025$232M7.48%5.0A
September 30, 2025$213M5.91%5.0A+
June 30, 2025$217M8.75%5.0A
March 31, 2025$210M4.79%5.0A+
December 31, 2024$202M6.09%5.0A
September 30, 2024$195M6.93%5.0A
June 30, 2024$193M6.95%5.0A
March 31, 2024$187M7.14%5.0A
December 31, 2023$184M9.01%5.0A
September 30, 2023$182M7.63%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 Quest 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 Quest 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 Quest Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Quest Federal Credit Union
Website https://www.questfcu.com
Address 12837 US Highway 68, Kenton, OH 43326
Phone 419-674-4998
Fax 419-675-1730
President Sarah Wirbel
CEO Matthew Jennings
Full-Time Employees 60
Part-Time Employees 0
Branch Locations 7
ATM Locations 7
NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (97/100)
Texas Ratio
6.74%
Return on Assets (ROA)
0.3546%
Return on Equity (ROE)
4.0055%
Non-Performing Loans Ratio (NPL)
0.94%
Total Assets
237,534,824
Total Amount of Shares and Deposits
215,731,893
Total Shares and Deposits < 1 Year
199,654,269
Total Shares and Deposits 1 3 Years
15,207,992
Total Shares and Deposits > 3 Years
869,632
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
13,593,535
Total Uninsured Shares and Deposits > $250K (F+J)
13,593,535
Total Insured Shares and Deposits > $250K (item 17 less item K)
202,138,358
Total Interest Expense (Sum of items 6 8)
1,773,570
Share Certificates
792
Number of Accounts for Share Drafts
11,993
IRA KEOGH Accounts
177
Number of Accounts for Regular Shares
28,639
All other shares
610
Non Member Deposits
11
Money Market Shares
1,254
Net Income (unless the amount is already included in Undivided Earnings)
842,391
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)
9,969,781
Total Liabilities
216,504,012
Source: NCUA — Last Updated 06/30/2026
MonitorBankRates Verified Healthy Badge Q2 2026
Q2 2026 MBR Health & Safety Badge

Quest 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.

<a href="https://www.monitorbankrates.com/credit-unions/quest-federal-credit-union-rates-review-19508">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       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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☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About Quest Federal Credit Union

How many branches does Quest Federal Credit Union operate?

Quest 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 Quest Federal Credit Union?

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

Does Quest Federal Credit Union offer online and mobile banking?

Most modern institutions like Quest 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.questfcu.com.

Current Quest Federal Credit Union Rates

  • 12-Month CD2.12%
  • 24-Month CD3.20%
  • 60-Month CD2.63%
  • MMA2.79%
Retrieved from our database of financial products. Rates subject to change.

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