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Regional 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

Regional Federal Credit Union's top rates as of October 13, 2026 are 4.08% APY on its 9 Month CD, 1.01% APY on savings, 0.15% APY on checking, personal loans from 12.49% APR, and credit cards from 8.90% APR, according to rates verified by MonitorBankRates. Other Regional Federal Credit Union CD rates include 5 Month CD at 3.05%, 24 Month IRA CD at 3.04%, and 30 Month CD at 2.27%. MonitorBankRates evaluates the financial stability of Regional Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.54%. Rates last updated and verified on 10/13/2026.

Regional 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 Regional Federal Credit Union? Share your experience about Regional Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Regional 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+
Exceptional Health Score: 97/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
5.54%
Excellent Lower than avg
Health Trend ?
Steady 12 quarters
Full history ›
Regional Federal Credit Union
Winfield
10909 Randolph St
Winfield, IN 46307
https://www.regionalfcu.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.

Regional Federal Credit Union CD Rates

Product Rate APY Term View More
9 Month Certificate - 4.08% 9 months
Min Deposit $1,000
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 4.08% APY · checked 4 times
3.58%4.08%4.58%Sep 14, 2026: 4.08% APYSep 14, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
5 Month Certificate - 3.05% 5 months
Min Deposit $5,000
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 3.05% APY · checked 4 times
2.55%3.05%3.55%Sep 14, 2026: 3.05% APYSep 14, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
24 Month IRA Certificate - 3.04% 24 months
Min Deposit $1,000
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 3.04% APY · checked 4 times
2.54%3.04%3.54%Sep 14, 2026: 3.04% APYSep 14, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
30 Month Certificate - 2.27% 30 months
Min Deposit $1,000
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 2.27% APY · checked 4 times
1.77%2.27%2.77%Sep 14, 2026: 2.27% APYSep 14, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
18 Month Certificate - 2.02% 18 months
Min Deposit $1,000
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 2.02% APY · checked 4 times
1.52%2.02%2.52%Sep 14, 2026: 2.02% APYSep 14, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
12 Month Certificate - 1.51% 12 months
Min Deposit $1,000
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 1.51% APY · checked 4 times
1.01%1.51%2.01%Sep 14, 2026: 1.51% APYSep 14, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
6 Month Certificate - 1.02% 6 months
Min Deposit $1,000
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 1.02% APY · checked 4 times
0.52%1.02%1.52%Sep 14, 2026: 1.02% APYSep 14, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
3 Month VIP Certificate - 1.01% 3 months
Min Deposit $10,000
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 1.01% APY · checked 4 times
0.51%1.01%1.51%Sep 14, 2026: 1.01% APYSep 14, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
6 Month Head Start Youth Certificate - 0.705% 6 months
Min Deposit $25
Details Available to members through high school graduation; $1,000 maximum total deposit
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 0.71% APY · checked 8 times
0.20%0.71%1.21%Sep 14, 2026: 0.71% APYSep 14, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%

Regional Federal Credit Union Savings Rates

Product Rate APY View More
IRA Savings - 1.01%
Min Balance $5,000
Last Updated 10/13/2026
Rate History
No change since Sep 18, 2026 · 1.01% APY · checked 6 times
0.51%1.01%1.51%Sep 18, 2026: 1.01% APYSep 18, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
IRA Savings - 0.25%
Min Balance $1,000
Last Updated 10/13/2026
Rate History
No change since Sep 18, 2026 · 0.25% APY · checked 6 times
0.00%0.38%0.75%Sep 18, 2026: 0.25% APYSep 18, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
IRA Savings - 0.15%
Min Balance $0
Last Updated 10/13/2026
Rate History
No change since Sep 18, 2026 · 0.15% APY · checked 6 times
0.00%0.33%0.65%Sep 18, 2026: 0.15% APYSep 18, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
Regular and Special Savings - 0.10%
Min Balance $200
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 9 times
0.00%0.30%0.60%Sep 14, 2026: 0.10% APYSep 14, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%

Regional Federal Credit Union Checking Rates

Product Rate APY View More
Checking Plus - 0.15%
Min Balance $2,500
Last Updated 10/13/2026
Rate History
No change since Sep 18, 2026 · 0.15% APY · checked 6 times
0.00%0.33%0.65%Sep 18, 2026: 0.15% APYSep 18, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
Checking Plus - 0.10%
Min Balance $1,000
Last Updated 10/13/2026
Rate History
No change since Sep 18, 2026 · 0.10% APY · checked 6 times
0.00%0.30%0.60%Sep 18, 2026: 0.10% APYSep 18, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%

Regional Federal Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity Line of Credit - Variable rate line of credit - - 5.25%
Details As Low As; Rates shown reflect all possible discounts and are subject to change without notice.
Last Updated 10/13/2026
Rate History
No change since Oct 13, 2026 · 5.25% APR
4.75%5.25%5.75%Oct 13, 2026: 5.25% APROct 13, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
Home Equity Loan Workout - - 6.00%
Details As Low As; Other Loans section, effective 10/01/2026
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 6.00% APR · checked 11 times
5.50%6.00%6.50%Sep 14, 2026: 6.00% APRSep 14, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%

Regional Federal Credit Union Auto Loan Rates

Product Rate Points APR Term View More
New and Used Auto Loans - - 4.49% 36 months
Details As Low As; Model Year: 2023-2027; Effective Date: 10/01/2026
Last Updated 10/13/2026
Rate History
1 change since Sep 14, 2026 · 3.99% → 4.49% ▲ 0.50 pts · high 4.49% / low 3.99%
3.49%4.24%4.99%Sep 14, 2026: 3.99% APROct 5, 2026: 4.49% APRSep 14, 2026Oct 14, 2026
  • Oct 5, 20264.49%▲ from 3.99%
  • Sep 14, 20263.99%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
New and Used Auto Loans - - 4.74% 60 months
Details As Low As; Model Year: 2023-2027; Effective Date: 10/01/2026
Last Updated 10/13/2026
Rate History
1 change since Sep 14, 2026 · 4.24% → 4.74% ▲ 0.50 pts · high 4.74% / low 4.24%
3.74%4.49%5.24%Sep 14, 2026: 4.24% APROct 5, 2026: 4.74% APRSep 14, 2026Oct 14, 2026
  • Oct 5, 20264.74%▲ from 4.24%
  • Sep 14, 20264.24%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
New and Used Auto Loans - - 4.99% 72 months
Details As Low As; Model Year: 2023-2027; Effective Date: 10/01/2026
Last Updated 10/13/2026
Rate History
1 change since Sep 14, 2026 · 4.49% → 4.99% ▲ 0.50 pts · high 4.99% / low 4.49%
3.99%4.74%5.49%Sep 14, 2026: 4.49% APROct 5, 2026: 4.99% APRSep 14, 2026Oct 14, 2026
  • Oct 5, 20264.99%▲ from 4.49%
  • Sep 14, 20264.49%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
New and Used Auto Loans - - 5.89% 84 months
Details As Low As; Model Year: 2025-2027 (new only); Effective Date: 10/01/2026
Last Updated 10/13/2026
Rate History
1 change since Sep 14, 2026 · 5.39% → 5.89% ▲ 0.50 pts · high 5.89% / low 5.39%
4.89%5.64%6.39%Sep 14, 2026: 5.39% APROct 5, 2026: 5.89% APRSep 14, 2026Oct 14, 2026
  • Oct 5, 20265.89%▲ from 5.39%
  • Sep 14, 20265.39%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
New and Used Auto Loans - - 6.14% 60 months
Details As Low As; Model Year: 2021-2022; Effective Date: 10/01/2026
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 6.14% APR · checked 9 times
5.64%6.14%6.64%Sep 14, 2026: 6.14% APRSep 14, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
New and Used Auto Loans - - 6.39% 72 months
Details As Low As; Model Year: 2021-2022; Effective Date: 10/01/2026
Last Updated 10/13/2026
Rate History
1 change since Sep 14, 2026 · 5.89% → 6.39% ▲ 0.50 pts · high 6.39% / low 5.89%
5.39%6.14%6.89%Sep 14, 2026: 5.89% APROct 5, 2026: 6.39% APRSep 14, 2026Oct 14, 2026
  • Oct 5, 20266.39%▲ from 5.89%
  • Sep 14, 20265.89%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
New and Used Auto Loans - - 6.64% 60 months
Details As Low As; Model Year: 2017-2020; Effective Date: 10/01/2026
Last Updated 10/13/2026
Rate History
1 change since Sep 14, 2026 · 6.14% → 6.64% ▲ 0.50 pts · high 6.64% / low 6.14%
5.64%6.39%7.14%Sep 14, 2026: 6.14% APROct 5, 2026: 6.64% APRSep 14, 2026Oct 14, 2026
  • Oct 5, 20266.64%▲ from 6.14%
  • Sep 14, 20266.14%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%

Regional Federal Credit Union RV, Boat and Powersport Loan Rates

Product Rate APR Term View More
New and Used Motorcycle Loans - 5.99% 60 months
Details As Low As; Model Year: 2023-2027
Last Updated 10/13/2026
Rate History
1 change since Sep 17, 2026 · 5.49% → 5.99% ▲ 0.50 pts · high 5.99% / low 5.49%
4.99%5.74%6.49%Sep 17, 2026: 5.49% APROct 5, 2026: 5.99% APRSep 17, 2026Oct 14, 2026
  • Oct 5, 20265.99%▲ from 5.49%
  • Sep 17, 20265.49%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
New and Used Motorcycle Loans - 6.24% 72 months
Details As Low As; Model Year: 2023-2027
Last Updated 10/13/2026
Rate History
1 change since Sep 17, 2026 · 5.74% → 6.24% ▲ 0.50 pts · high 6.24% / low 5.74%
5.24%5.99%6.74%Sep 17, 2026: 5.74% APROct 5, 2026: 6.24% APRSep 17, 2026Oct 14, 2026
  • Oct 5, 20266.24%▲ from 5.74%
  • Sep 17, 20265.74%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
New and Used Motorcycle Loans - 7.14% 60 months
Details As Low As; Model Year: 2021-2022
Last Updated 10/13/2026
Rate History
No change since Sep 17, 2026 · 7.14% APR · checked 9 times
6.64%7.14%7.64%Sep 17, 2026: 7.14% APRSep 17, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
New and Used Motorcycle Loans - 7.64% 60 months
Details As Low As; Model Year: 2017-2020
Last Updated 10/13/2026
Rate History
1 change since Sep 17, 2026 · 7.14% → 7.64% ▲ 0.50 pts · high 7.64% / low 7.14%
6.64%7.39%8.14%Sep 17, 2026: 7.14% APROct 5, 2026: 7.64% APRSep 17, 2026Oct 14, 2026
  • Oct 5, 20267.64%▲ from 7.14%
  • Sep 17, 20267.14%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
Boat, RV and Motorhome Loans - 8.00% 120 months
Details As Low As; $45,000 minimum loan amount; Model years 2015-2027. 2014 and older add 1.50% to rate; Effective Date: 10/01/2026
Last Updated 10/13/2026
Rate History
1 change since Sep 14, 2026 · 7.50% → 8.00% ▲ 0.50 pts · high 8.00% / low 7.50%
7.00%7.75%8.50%Sep 14, 2026: 7.50% APROct 5, 2026: 8.00% APRSep 14, 2026Oct 14, 2026
  • Oct 5, 20268.00%▲ from 7.50%
  • Sep 14, 20267.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
BOAT, RV, AND MOTORHOME LOANS - 120 months - 8.00% 120 months
Details As Low As; Effective Date: 10/01/2026; $45,000 minimum loan amount; 2014 and older add 1.50% to rate
Last Updated 10/13/2026
Rate History
1 change since Sep 14, 2026 · 7.50% → 8.00% ▲ 0.50 pts · high 8.00% / low 7.50%
7.00%7.75%8.50%Sep 14, 2026: 7.50% APROct 5, 2026: 8.00% APRSep 14, 2026Oct 14, 2026
  • Oct 5, 20268.00%▲ from 7.50%
  • Sep 14, 20267.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
Boat, RV and Motorhome Loans - 8.75% 180 months
Details As Low As; $45,000 minimum loan amount; Model years 2015-2027. 2014 and older add 1.50% to rate; Effective Date: 10/01/2026
Last Updated 10/13/2026
Rate History
1 change since Sep 14, 2026 · 8.25% → 8.75% ▲ 0.50 pts · high 8.75% / low 8.25%
7.75%8.50%9.25%Sep 14, 2026: 8.25% APROct 5, 2026: 8.75% APRSep 14, 2026Oct 14, 2026
  • Oct 5, 20268.75%▲ from 8.25%
  • Sep 14, 20268.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
BOAT, RV, AND MOTORHOME LOANS - 180 months - 8.75% 180 months
Details As Low As; Effective Date: 10/01/2026; $45,000 minimum loan amount; 2014 and older add 1.50% to rate
Last Updated 10/13/2026
Rate History
1 change since Sep 14, 2026 · 8.25% → 8.75% ▲ 0.50 pts · high 8.75% / low 8.25%
7.75%8.50%9.25%Sep 14, 2026: 8.25% APROct 5, 2026: 8.75% APRSep 14, 2026Oct 14, 2026
  • Oct 5, 20268.75%▲ from 8.25%
  • Sep 14, 20268.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%

Regional Federal Credit Union Credit Card Rates

Product Rate APR View More
Visa Platinum Credit Card - Platinum with Rewards - 8.90%
Details Regular APR: 8.90%; Effective Date: 10/01/2026; Credit Line Account Agreement and Federal Disclosure Statement
Last Updated 10/13/2026
Rate History
No change since Oct 13, 2026 · 8.90% APR
8.40%8.90%9.40%Oct 13, 2026: 8.90% APROct 13, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
Visa Platinum Credit Card - Platinum Elite - 10.90%
Details Effective Date: 10/01/2026; Credit Line Account Agreement and Federal Disclosure Statement
Last Updated 10/13/2026
Rate History
No change since Oct 13, 2026 · 10.90% APR
10.40%10.90%11.40%Oct 13, 2026: 10.90% APROct 13, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
Visa Platinum Credit Card - Platinum - 12.90%
Details Effective Date: 10/01/2026; Credit Line Account Agreement and Federal Disclosure Statement
Last Updated 10/13/2026
Rate History
No change since Oct 13, 2026 · 12.90% APR
12.40%12.90%13.40%Oct 13, 2026: 12.90% APROct 13, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
Visa Platinum Credit Card - Platinum Basic - 14.90%
Details Effective Date: 10/01/2026; Credit Line Account Agreement and Federal Disclosure Statement
Last Updated 10/13/2026
Rate History
No change since Oct 13, 2026 · 14.90% APR
14.40%14.90%15.40%Oct 13, 2026: 14.90% APROct 13, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%

Regional Federal Credit Union Personal Loan Rates

Product APR Term View More
Personal Loan - 1-36 months 12.49% 1-36 months
Details APR as low as; Rates reflect all possible discounts and are subject to change without notice; Loans up to $20,000 available
Last Updated 10/13/2026
Rate History
No change since Oct 13, 2026 · 12.49% APR
11.99%12.49%12.99%Oct 13, 2026: 12.49% APROct 13, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
Personal Loans 12.49% 1-36 months
Details As Low As; Effective Date: 10/01/2026
Last Updated 10/13/2026
Rate History
1 change since Sep 14, 2026 · 11.99% → 12.49% ▲ 0.50 pts · high 12.49% / low 11.99%
11.49%12.24%12.99%Sep 14, 2026: 11.99% APROct 5, 2026: 12.49% APRSep 14, 2026Oct 14, 2026
  • Oct 5, 202612.49%▲ from 11.99%
  • Sep 14, 202611.99%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
Personal Loan - 36-60 months 13.74% 36-60 months
Details APR as low as; Rates reflect all possible discounts and are subject to change without notice; Loans up to $20,000 available
Last Updated 10/13/2026
Rate History
No change since Oct 13, 2026 · 13.74% APR
13.24%13.74%14.24%Oct 13, 2026: 13.74% APROct 13, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
Personal Loans 13.74% 37-60 months
Details As Low As; Effective Date: 10/01/2026
Last Updated 10/13/2026
Rate History
1 change since Sep 14, 2026 · 13.24% → 13.74% ▲ 0.50 pts · high 13.74% / low 13.24%
12.74%13.49%14.24%Sep 14, 2026: 13.24% APROct 5, 2026: 13.74% APRSep 14, 2026Oct 14, 2026
  • Oct 5, 202613.74%▲ from 13.24%
  • Sep 14, 202613.24%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%

Regional Federal Credit Union Other Rates

Product Rate Points APY/APR Term View More
Educator Development Loan - - 8.90% 24 months
Details Fixed APR; Maximum $5,000; Minimum $500; Rate shown reflects lowest possible rate and term up to 24 months; Active membership account with Checking and Automatic Payments required; Consumer loan, not a mortgage
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 8.90% APR · checked 10 times
8.40%8.90%9.40%Sep 14, 2026: 8.90% APRSep 14, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
New Teacher Transition Loan - - 6.99%
Details Fixed APR; Guaranteed approval for at least $500; Borrow up to $3,500; Rate shown reflects lowest possible rate and term up to 24 months; Required checking account and direct deposit (minimum $1,000 per month for life of the loan); Only for first-year teachers under contract with school corporations in Lake or Porter Counties, Indiana; Consumer loan, not a mortgage
Last Updated 10/13/2026
Rate History
No change since Oct 13, 2026 · 6.99% APR
6.49%6.99%7.49%Oct 13, 2026: 6.99% APROct 13, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
Second Mortgage Loans - - 6.25% 5 Year
Details As Low As; Second mortgage loan
Last Updated 10/13/2026
Rate History
1 change since Sep 14, 2026 · 6.00% → 6.25% ▲ 0.25 pts · high 6.25% / low 6.00%
5.50%6.13%6.75%Sep 14, 2026: 6.00% APROct 2, 2026: 6.25% APRSep 14, 2026Oct 14, 2026
  • Oct 2, 20266.25%▲ from 6.00%
  • Sep 14, 20266.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
Second Mortgage Loans - - 6.50% 7 Year
Details As Low As; Second mortgage loan
Last Updated 10/13/2026
Rate History
1 change since Sep 14, 2026 · 6.25% → 6.50% ▲ 0.25 pts · high 6.50% / low 6.25%
5.75%6.38%7.00%Sep 14, 2026: 6.25% APROct 2, 2026: 6.50% APRSep 14, 2026Oct 14, 2026
  • Oct 2, 20266.50%▲ from 6.25%
  • Sep 14, 20266.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
Second Mortgage Loans - - 6.75% 10 Year
Details As Low As; Second mortgage loan
Last Updated 10/13/2026
Rate History
1 change since Sep 14, 2026 · 6.50% → 6.75% ▲ 0.25 pts · high 6.75% / low 6.50%
6.00%6.63%7.25%Sep 14, 2026: 6.50% APROct 2, 2026: 6.75% APRSep 14, 2026Oct 14, 2026
  • Oct 2, 20266.75%▲ from 6.50%
  • Sep 14, 20266.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
Second Mortgage Loans - - 7.00% 15 Year
Details As Low As; Second mortgage loan
Last Updated 10/13/2026
Rate History
1 change since Sep 14, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75%
6.25%6.88%7.50%Sep 14, 2026: 6.75% APROct 2, 2026: 7.00% APRSep 14, 2026Oct 14, 2026
  • Oct 2, 20267.00%▲ from 6.75%
  • Sep 14, 20266.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
Daily Cash Account (DCA) - - 0.20%
Min Balance $2,500
Last Updated 10/13/2026
Rate History
No change since Sep 18, 2026 · 0.20% APY · checked 6 times
0.00%0.35%0.70%Sep 18, 2026: 0.20% APYSep 18, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
Daily Cash Account (DCA) - - 0.20%
Min Balance $5,000
Last Updated 10/13/2026
Rate History
No change since Sep 18, 2026 · 0.20% APY · checked 6 times
0.00%0.35%0.70%Sep 18, 2026: 0.20% APYSep 18, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
Daily Cash Account (DCA) - - 0.44%
Min Balance $10,000
Last Updated 10/13/2026
Rate History
No change since Sep 18, 2026 · 0.44% APY · checked 6 times
0.00%0.47%0.94%Sep 18, 2026: 0.44% APYSep 18, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
Daily Cash Account (DCA) - - 0.64%
Min Balance $25,000
Last Updated 10/13/2026
Rate History
No change since Sep 18, 2026 · 0.64% APY · checked 6 times
0.14%0.64%1.14%Sep 18, 2026: 0.64% APYSep 18, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
Daily Cash Account (DCA) - - 0.90%
Min Balance $50,000
Last Updated 10/13/2026
Rate History
No change since Sep 18, 2026 · 0.90% APY · checked 6 times
0.40%0.90%1.40%Sep 18, 2026: 0.90% APYSep 18, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
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

Regional Federal Credit Union’s Texas Ratio rose from 4.60% in Q3 2023 to 5.54% 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 — 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★ 1.9% 2.0★ 3.7% 3.0★ 5.6% 4.0★ 7.5% 5.0★ Healthy zone – entire history below the 15% limit 4.60% 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 5.54% 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$180M5.54%5.0A+
March 31, 2026$184M4.90%5.0A+
December 31, 2025$183M5.42%5.0A+
September 30, 2025$182M4.25%5.0A+
June 30, 2025$184M3.46%5.0A+
March 31, 2025$185M3.96%5.0A+
December 31, 2024$179M3.87%5.0A+
September 30, 2024$179M3.30%5.0A+
June 30, 2024$181M3.17%5.0A+
March 31, 2024$183M2.11%5.0A+
December 31, 2023$179M3.32%5.0A+
September 30, 2023$183M4.60%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 Regional 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 Regional 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 Regional Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Regional Federal Credit Union
Website https://www.regionalfcu.org
Address 10909 Randolph St, Winfield, IN 46307
Phone 800-762-7419
Fax
President Josh Long
CEO Michael Peters
Full-Time Employees 46
Part-Time Employees 12
Branch Locations 4
ATM Locations 1
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
5.54%
Return on Assets (ROA)
0.1493%
Return on Equity (ROE)
1.1019%
Non-Performing Loans Ratio (NPL)
1.07%
Total Assets
180,086,422
Total Amount of Shares and Deposits
157,738,551
Total Shares and Deposits < 1 Year
152,680,385
Total Shares and Deposits 1 3 Years
5,058,165
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
2,496,905
Total Uninsured Shares and Deposits > $250K (F+J)
2,496,905
Total Insured Shares and Deposits > $250K (item 17 less item K)
155,241,646
Total Interest Expense (Sum of items 6 8)
725,203
Share Certificates
715
Number of Accounts for Share Drafts
10,271
IRA KEOGH Accounts
425
Number of Accounts for Regular Shares
27,483
All other shares
3,636
Non Member Deposits
3
Money Market Shares
2,084
Net Income (unless the amount is already included in Undivided Earnings)
268,791
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)
4,638,394
Total Liabilities
157,872,691
Source: NCUA — Last Updated 06/30/2026
MonitorBankRates Verified Healthy Badge Q2 2026
Q2 2026 MBR Health & Safety Badge

Regional 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/regional-federal-credit-union-rates-review-15072">
  <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 Regional Federal Credit Union

How many branches does Regional Federal Credit Union operate?

Regional 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 Regional Federal Credit Union?

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

Does Regional Federal Credit Union offer online and mobile banking?

Most modern institutions like Regional 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.regionalfcu.org.

Current Regional Federal Credit Union Rates

  • 12-Month CD1.51%
  • 18-Month CD2.02%
  • 24-Month CD3.04%
  • Savings1.01%
Retrieved from our database of financial products. Rates subject to change.

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