What are the current interest rates at Rim Country Federal Credit Union?

Current rates for Rim Country Federal Credit Union include: 12-Month CD: 4.06%, Savings: 0.50%

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Rim Country Federal Credit Union

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Rim Country Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Rim Country Federal 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 13, 2026

Rim Country Federal Credit Union's top rates as of October 13, 2026 are 4.25% APY on its 12 Month CD, 0.50% APY on savings, personal loans from 11.40% APR, and credit cards from 7.90% APR, according to rates verified by MonitorBankRates. Other Rim Country Federal Credit Union CD rates include 6 Month CD at 4.14%, 3 Month CD at 4.06%, and 12 Month IRA CD at 4.06%. MonitorBankRates evaluates the financial stability of Rim Country Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.60%. Rates last updated and verified on 10/13/2026.

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

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

5.60%

Excellent Lower than avg

Health Trend

Steady 12 quarters

Full history ›

Rim Country Federal Credit Union
Main Office

216 S Main St
Snowflake, AZ 85937

https://www.rimcountryfcu.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.

Rim Country Federal Credit Union CD Rates

Product	Rate	APY	Term
12 Month Share Certificate	4.25%	4.25%	12 months
Min Balance $2,500 Details Balance: $2,500 - $9,999.99; Renewal Rate: 4.000%; Renewal APY: 4.000% Last Updated 10/13/2026 Rate History 1 change since Sep 29, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75% Oct 13, 20264.25%▲ from 3.75% Sep 29, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
12 Month Share Certificate	4.25%	4.25%	12 months
Min Balance $10,000 Details Balance: $10,000 - $19,999.99; Renewal Rate: 4.000%; Renewal APY: 4.000% Last Updated 10/13/2026 Rate History 1 change since Sep 29, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75% Oct 13, 20264.25%▲ from 3.75% Sep 29, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
12 Month Share Certificate	4.25%	4.25%	12 months
Min Balance $20,000 Details Balance: $20,000 - and over; Renewal Rate: 4.000%; Renewal APY: 4.000% Last Updated 10/13/2026 Rate History 1 change since Sep 21, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75% Oct 13, 20264.25%▲ from 3.75% Sep 21, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
6 Month Share Certificate	4.10%	4.142%	6 months
Min Balance $2,500 Details Balance: $2,500 - $9,999.99; Renewal Rate: 3.800%; Renewal APY: 3.836% Last Updated 10/13/2026 Rate History 1 change since Sep 29, 2026 · 3.53% → 4.14% ▲ 0.61 pts · high 4.14% / low 3.53% Oct 13, 20264.14%▲ from 3.53% Sep 29, 20263.53%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
6 Month Share Certificate	4.10%	4.142%	6 months
Min Balance $10,000 Details Balance: $10,000 - $19,999.99; Renewal Rate: 3.800%; Renewal APY: 3.836% Last Updated 10/13/2026 Rate History 1 change since Sep 29, 2026 · 3.53% → 4.14% ▲ 0.61 pts · high 4.14% / low 3.53% Oct 13, 20264.14%▲ from 3.53% Sep 29, 20263.53%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
6 Month Share Certificate	4.10%	4.142%	6 months
Min Balance $20,000 Details Balance: $20,000 - and over; Renewal Rate: 3.800%; Renewal APY: 3.836% Last Updated 10/13/2026 Rate History 1 change since Sep 21, 2026 · 3.53% → 4.14% ▲ 0.61 pts · high 4.14% / low 3.53% Oct 13, 20264.14%▲ from 3.53% Sep 21, 20263.53%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
3 Month Share Certificate	4.00%	4.061%	3 months
Min Balance $10,000 Details Balance: $10,000 - up; Renewal Rate: 3.500%; Renewal APY: 3.546% Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.29% → 4.06% ▲ 0.77 pts · high 4.06% / low 3.29% Oct 13, 20264.06%▲ from 3.29% Sep 14, 20263.29%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
12 Month IRA Share Certificate	4.00%	4.06%	12 months
Details Required Amount: IRA (Pd Qtrly); Renewal Rate: 4.000%; Renewal APY: 4.060% Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.06% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
36 Month Share Certificate	3.50%	3.50%	36 months
Min Balance $10,000 Details Balance: $10,000 - and over; Renewal Rate: 3.500%; Renewal APY: 3.500% Last Updated 10/13/2026 Rate History 1 change since Sep 21, 2026 · 3.00% → 3.50% ▲ 0.50 pts · high 3.50% / low 3.00% Oct 13, 20263.50%▲ from 3.00% Sep 21, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%

Rim Country Federal Credit Union Savings Rates

Product	Rate	APY
New IRA Savings Account	0.50%	0.501%
Min Deposit $100 Min Balance $0 Details Balance: $0.01 - 20,000.00; Min Bal to Earn Stated APY: Daily Balance; Balance Method: Average Daily Balance; Dividends compounded and credited quarterly; Large Withdrawals May Require Notice of 10 days or more Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 0.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
New IRA Savings Account	0.50%	0.501%
Min Deposit $100 Min Balance $20,000 Details Balance: $20,000.01 - 50,000.00; Min Bal to Earn Stated APY: Daily Balance; Balance Method: Average Daily Balance; Dividends compounded and credited quarterly; Large Withdrawals May Require Notice of 10 days or more Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 0.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
New IRA Savings Account	0.50%	0.501%
Min Deposit $100 Min Balance $50,000 Details Balance: $50,000.01 - Max; Min Bal to Earn Stated APY: Daily Balance; Balance Method: Average Daily Balance; Dividends compounded and credited quarterly; Large Withdrawals May Require Notice of 10 days or more Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 0.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Share Savings Account	0.05%	0.05%
Min Deposit $25 Min Balance $20,000 Details Balance: $20,000.01 - 50,000.00; Min Bal to Earn Stated APY: Daily Balance; Balance Method: Average Daily Balance; Dividends compounded and credited quarterly Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Share Savings Account	0.05%	0.05%
Min Deposit $25 Min Balance $50,000 Details Balance: $50,000.01 - Max; Min Bal to Earn Stated APY: Daily Balance; Balance Method: Average Daily Balance; Dividends compounded and credited quarterly Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Trust Savings Account	0.05%	0.05%
Min Deposit $25 Min Balance $20,000 Details Balance: $20,000.01 - 50,000.00; Min Bal to Earn Stated APY: Daily Balance; Balance Method: Average Daily Balance; Dividends compounded and credited quarterly; One Draw Per Day (Fee Applied to Subsequent Draws) Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Trust Savings Account	0.05%	0.05%
Min Deposit $25 Min Balance $50,000 Details Balance: $50,000.01 - Max; Min Bal to Earn Stated APY: Daily Balance; Balance Method: Average Daily Balance; Dividends compounded and credited quarterly; One Draw Per Day (Fee Applied to Subsequent Draws) Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Share Savings Account	0.01%	0.01%
Min Deposit $25 Min Balance $0 Details Balance: $0.01 - 20,000.00; Min Bal to Earn Stated APY: Daily Balance; Balance Method: Average Daily Balance; Dividends compounded and credited quarterly Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 0.01% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Trust Savings Account	0.01%	0.01%
Min Deposit $25 Min Balance $0 Details Balance: $0.01 - 20,000.00; Min Bal to Earn Stated APY: Daily Balance; Balance Method: Average Daily Balance; Dividends compounded and credited quarterly; One Draw Per Day (Fee Applied to Subsequent Draws) Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 0.01% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%

Rim Country Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
Credit Cards	-	7.90%
Details As Low As; APR = Annual Percentage Rate Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 7.90% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%

Rim Country Federal Credit Union Personal Loan Rates

Product	APR	Term
Personal Loan - 12 Months or Less	11.40%	12 months
Details As Low As; APR = Annual Percentage Rate Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 11.40% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Personal Loan - 13 to 24 Months	11.90%	13 to 24 months
Details As Low As; APR = Annual Percentage Rate Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 11.90% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Personal Loan - 25 to 30 Months	12.90%	25 to 30 months
Details As Low As; APR = Annual Percentage Rate Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 12.90% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%

Rim Country Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
2ND/HOME IMPROVEMENT Loan	-	-	10.90%	10 years (120 mos)
Details Total of 1st and 2nd Mortgage not to exceed 80% of Appraised value; ~ $35,000 Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 10.90% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
90 Day Notes Loan	-	-	15.90%	90 days
Details As Low As; APR = Annual Percentage Rate Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 15.90% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Credit Lines Loan	-	-	12.90%
Details As Low As; APR = Annual Percentage Rate Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 12.90% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Quick Cash Loans - 4 Month Term	-	-	18.00%	4 months
Details As Low As; APR = Annual Percentage Rate; Direct deposit required; Minimum six month employment; Minimum amount $250.00, maximum amount $500.00; Application fee: $20.00 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 18.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Organizational Account	0.01%	-	0.01%
Min Deposit $25 Min Balance $0 Details Balance: $0.01 - 20,000.00; Min Bal to Earn Stated APY: Daily Balance; Balance Method: Average Daily Balance; Dividends compounded and credited quarterly Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 0.01% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Organizational Account	0.05%	-	0.05%
Min Deposit $25 Min Balance $20,000 Details Balance: $20,000.01 - 50,000.00; Min Bal to Earn Stated APY: Daily Balance; Balance Method: Average Daily Balance; Dividends compounded and credited quarterly Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Organizational Account	0.05%	-	0.05%
Min Deposit $25 Min Balance $50,000 Details Balance: $50,000.01 - Max; Min Bal to Earn Stated APY: Daily Balance; Balance Method: Average Daily Balance; Dividends compounded and credited quarterly Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%

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

Rim Country Federal Credit Union’s Texas Ratio rose from 2.44% in Q3 2023 to 5.60% 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.

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	$25M	5.60%	5.0	A+
March 31, 2026	$25M	5.44%	5.0	A+
December 31, 2025	$25M	7.28%	5.0	A
September 30, 2025	$26M	5.31%	5.0	A+
June 30, 2025	$25M	3.50%	5.0	A+
March 31, 2025	$24M	2.79%	5.0	A+
December 31, 2024	$24M	3.07%	5.0	A+
September 30, 2024	$23M	3.26%	5.0	A+
June 30, 2024	$22M	3.26%	5.0	A+
March 31, 2024	$22M	7.70%	5.0	A
December 31, 2023	$22M	7.52%	5.0	A
September 30, 2023	$23M	2.44%	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 Rim Country 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 Rim Country 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 Rim Country Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Rim Country Federal Credit Union

Website https://www.rimcountryfcu.com

Address 216 S Main St, Snowflake, AZ 85937

Phone 928-536-7484

Fax 928-536-3349

President Charles Ballard

CEO Matthew Boone

Full-Time Employees 7

Part-Time Employees 0

Branch Locations 1

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+ (97/100)

Texas Ratio

5.60%

Return on Assets (ROA)

0.3268%

Return on Equity (ROE)

2.5389%

Non-Performing Loans Ratio (NPL)

1.33%

Total Assets

24,577,500

Total Amount of Shares and Deposits

21,369,222

Total Shares and Deposits < 1 Year

21,177,491

Total Shares and Deposits 1 3 Years

191,731

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

21,369,222

Total Interest Expense (Sum of items 6 8)

68,472

Share Certificates

Number of Accounts for Share Drafts

369

IRA KEOGH Accounts

Number of Accounts for Regular Shares

2,033

All other shares

385

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)

353,334

Total Liabilities

21,446,734

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Rim Country 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.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
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       width="160" height="160">
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Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About Rim Country Federal Credit Union

How many branches does Rim Country Federal Credit Union operate?

Rim Country 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 Rim Country Federal Credit Union?

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

Does Rim Country Federal Credit Union offer online and mobile banking?

Most modern institutions like Rim Country 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.rimcountryfcu.com.