What are the current interest rates at State Highway Patrol Federal Credit Union?

Current rates for State Highway Patrol Federal Credit Union include: 12-Month CD: 3.40%, 18-Month CD: 3.45%, 24-Month CD: 3.51%, 60-Month CD: 3.66%, Savings: 2.07%

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State Highway Patrol Federal Credit Union

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State Highway Patrol Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, State Highway Patrol 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

State Highway Patrol Federal Credit Union's top rates as of October 13, 2026 are 3.66% APY on its 60 Month CD, 2.07% APY on savings, 0.05% APY on checking, personal loans from 10.59% APR, and credit cards from 8.99% APR, according to rates verified by MonitorBankRates. Other State Highway Patrol Federal Credit Union CD rates include 48 Month CD at 3.61%, 36 Month CD at 3.56%, and 24 Month CD at 3.51%. MonitorBankRates evaluates the financial stability of State Highway Patrol Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.19%. Rates last updated and verified on 10/13/2026.

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

Ranked #56 Healthiest Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.19%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

State Highway Patrol Federal Credit Union
Headquarters

1900 Polaris Pkwy Ste 400
Columbus, OH 43240-4035

https://www.patrolcu.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.

State Highway Patrol Federal Credit Union CD Rates

Product	Rate	APY	Term
60 Month Share Certificate	3.60%	3.66%	60 Months
Min Deposit $500 Details APY assumes monthly dividends; membership required to open; early withdrawal penalty may apply Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.45% → 3.66% ▲ 0.21 pts · high 3.66% / low 3.45% Sep 25, 20263.66%▲ from 3.45% Sep 14, 20263.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.19%
48 Month Share Certificate	3.55%	3.61%	48 Months
Min Deposit $500 Details APY assumes monthly dividends; membership required to open; early withdrawal penalty may apply Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.40% → 3.61% ▲ 0.21 pts · high 3.61% / low 3.40% Sep 25, 20263.61%▲ from 3.40% Sep 14, 20263.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.19%
36 Month Share Certificate	3.50%	3.56%	36 Months
Min Deposit $500 Details APY assumes monthly dividends; membership required to open; early withdrawal penalty may apply Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.35% → 3.56% ▲ 0.21 pts · high 3.56% / low 3.35% Sep 25, 20263.56%▲ from 3.35% Sep 14, 20263.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.19%
24 Month Share Certificate	3.45%	3.51%	24 Months
Min Deposit $500 Details APY assumes monthly dividends; membership required to open; early withdrawal penalty may apply Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.30% → 3.51% ▲ 0.21 pts · high 3.51% / low 3.30% Sep 25, 20263.51%▲ from 3.30% Sep 14, 20263.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.19%
18 Month Share Certificate	3.40%	3.45%	18 Months
Min Deposit $500 Details APY assumes monthly dividends; membership required to open; early withdrawal penalty may apply Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.30% → 3.45% ▲ 0.15 pts · high 3.45% / low 3.30% Sep 25, 20263.45%▲ from 3.30% Sep 14, 20263.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.19%
12 Month Share Certificate	3.35%	3.40%	12 Months
Min Deposit $500 Details APY assumes monthly dividends; membership required to open; early withdrawal penalty may apply Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.30% → 3.40% ▲ 0.10 pts · high 3.40% / low 3.30% Sep 25, 20263.40%▲ from 3.30% Sep 14, 20263.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.19%
6 Month Share Certificate	3.30%	3.35%	6 Months
Min Deposit $500 Details APY assumes monthly dividends; membership required to open; early withdrawal penalty may apply Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.25% → 3.35% ▲ 0.10 pts · high 3.35% / low 3.25% Sep 25, 20263.35%▲ from 3.25% Sep 14, 20263.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.19%

State Highway Patrol Federal Credit Union Savings Rates

Product	Rate	APY
Blue Max Savings	2.05%	2.07%
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000+; Minimum balance to earn APY is $100,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.07% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.19%
Blue Max Savings	2.00%	2.02%
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000 to $99,999; Minimum balance to earn APY is $50,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.02% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.19%
Blue Max Savings	1.90%	1.92%
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000 to $49,999; Minimum balance to earn APY is $25,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.92% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.19%
Blue Max Savings	1.80%	1.82%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500 to $9,999; Minimum balance to earn APY is $2,500 Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 1.82% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.19%
Blue Max Savings	1.80%	1.82%
Min Deposit $2,500 Min Balance $10,000 Details Balance: $10,000 to $24,999; Minimum balance to earn APY is $10,000 Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 1.82% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.19%
Christmas Club Savings	0.05%	0.05%
Min Deposit $5 Min Balance $5 Details Minimum balance to earn APY is $5.00; rate may change after account is opened; withdrawal fee may apply and reduce earnings (see Fee Schedule) Last Updated 10/13/2026 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: 0.19%
Regular Share Savings	0.05%	0.05%
Min Deposit $5 Min Balance $5 Details Minimum balance to earn APY is $5.00; rate may change after account is opened Last Updated 10/13/2026 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: 0.19%

State Highway Patrol Federal Credit Union Checking Rates

Product	Rate	APY	View More
Share Draft Checking Account	0.05%	0.05%
Min Deposit $25 Details Dividend Rate and APY shown; no minimum balance to earn APY; rate may change after account is opened; membership required Last Updated 10/13/2026 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: 0.19%

State Highway Patrol Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto & Motorcycle Loans - New Auto or Motorcycle	-	-	5.35%	Up to 60 Months
Details As Low As; Rates based on credit history, credit qualifications, term of loan and approval; term determined by amount borrowed Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.35% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.19%
Used Vehicle or Motorcycle Loan	-	-	5.35%	Up to 36 Months
Details As Low As; Used Vehicles & Motorcycles; Loan amount > $3,000 Last Updated 10/13/2026 Rate History 1 change since Sep 17, 2026 · 5.25% → 5.35% ▲ 0.10 pts · high 5.35% / low 5.25% Sep 25, 20265.35%▲ from 5.25% Sep 17, 20265.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.19%
Used Vehicle or Motorcycle Loan	-	-	5.35%	Up to 48 Months
Details As Low As; Used Vehicles & Motorcycles; Loan amount > $6,000 Last Updated 10/13/2026 Rate History 1 change since Sep 17, 2026 · 5.25% → 5.35% ▲ 0.10 pts · high 5.35% / low 5.25% Sep 25, 20265.35%▲ from 5.25% Sep 17, 20265.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.19%
Used Vehicle or Motorcycle Loan	-	-	5.35%	Up to 60 Months
Details As Low As; Used Vehicles & Motorcycles; Loan amount > $10,000 Last Updated 10/13/2026 Rate History 1 change since Sep 17, 2026 · 5.25% → 5.35% ▲ 0.10 pts · high 5.35% / low 5.25% Sep 25, 20265.35%▲ from 5.25% Sep 17, 20265.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.19%
New Auto & Motorcycle Loans - New Auto or Motorcycle	-	-	5.60%	Up to 72 Months
Details Term: Up to 72 Months (> $20,000); As Low As; Rates based on credit history, credit qualifications, term of loan and approval; term determined by amount borrowed Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.60% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.19%
New Auto & Motorcycle Loans - New Auto or Motorcycle	-	-	5.60%	Up to 84 Months
Details Term: Up to 84 Months (> $40,000); As Low As; Rates based on credit history, credit qualifications, term of loan and approval; term determined by amount borrowed Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.60% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.19%
Used Vehicle or Motorcycle Loan	-	-	5.60%	Up to 72 Months
Details As Low As; Used Vehicles & Motorcycles; Loan amount > $20,000 Last Updated 10/13/2026 Rate History 1 change since Sep 17, 2026 · 5.50% → 5.60% ▲ 0.10 pts · high 5.60% / low 5.50% Sep 25, 20265.60%▲ from 5.50% Sep 17, 20265.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.19%
Used Vehicle or Motorcycle Loan	-	-	5.60%	Up to 84 Months
Details As Low As; Used Vehicles & Motorcycles; Loan amount > $40,000 Last Updated 10/13/2026 Rate History 1 change since Sep 17, 2026 · 5.50% → 5.60% ▲ 0.10 pts · high 5.60% / low 5.50% Sep 25, 20265.60%▲ from 5.50% Sep 17, 20265.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.19%

State Highway Patrol Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New RV, Boat or ATV Loan	-	6.85%	Up to 24 Months
Details As Low As Last Updated 10/13/2026 Rate History 1 change since Sep 17, 2026 · 6.75% → 6.85% ▲ 0.10 pts · high 6.85% / low 6.75% Sep 25, 20266.85%▲ from 6.75% Sep 17, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.19%
New RV, Boat or ATV Loan	-	6.85%	Up to 36 Months
Details As Low As; Loan amount > $3,000 Last Updated 10/13/2026 Rate History 1 change since Sep 17, 2026 · 6.75% → 6.85% ▲ 0.10 pts · high 6.85% / low 6.75% Sep 25, 20266.85%▲ from 6.75% Sep 17, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.19%
New RV, Boat or ATV Loan	-	6.85%	Up to 48 Months
Details As Low As; Loan amount > $6,000 Last Updated 10/13/2026 Rate History 1 change since Sep 17, 2026 · 6.75% → 6.85% ▲ 0.10 pts · high 6.85% / low 6.75% Sep 25, 20266.85%▲ from 6.75% Sep 17, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.19%
New RV, Boat or ATV Loan	-	6.85%	Up to 60 Months
Details As Low As; Loan amount > $10,000 Last Updated 10/13/2026 Rate History 1 change since Sep 17, 2026 · 6.75% → 6.85% ▲ 0.10 pts · high 6.85% / low 6.75% Sep 25, 20266.85%▲ from 6.75% Sep 17, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.19%
New RV, Boat or ATV Loan	-	6.85%	Up to 72 Months
Details As Low As; Loan amount > $20,000 Last Updated 10/13/2026 Rate History 1 change since Sep 17, 2026 · 6.75% → 6.85% ▲ 0.10 pts · high 6.85% / low 6.75% Sep 25, 20266.85%▲ from 6.75% Sep 17, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.19%
New RV, Boat or ATV Loan	-	6.85%	Up to 84 Months
Details As Low As; Loan amount > $ $40,000 Last Updated 10/13/2026 Rate History 1 change since Sep 17, 2026 · 6.75% → 6.85% ▲ 0.10 pts · high 6.85% / low 6.75% Sep 25, 20266.85%▲ from 6.75% Sep 17, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.19%
Used RV, Boat or ATV Loan	-	6.85%	Up to 24 Months
Details As Low As Last Updated 10/13/2026 Rate History 1 change since Sep 17, 2026 · 6.75% → 6.85% ▲ 0.10 pts · high 6.85% / low 6.75% Sep 25, 20266.85%▲ from 6.75% Sep 17, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.19%
Used RV, Boat or ATV Loan	-	6.85%	Up to 36 Months
Details As Low As; Loan amount > $3,000 Last Updated 10/13/2026 Rate History 1 change since Sep 17, 2026 · 6.75% → 6.85% ▲ 0.10 pts · high 6.85% / low 6.75% Sep 25, 20266.85%▲ from 6.75% Sep 17, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.19%
Used RV, Boat or ATV Loan	-	6.85%	Up to 48 Months
Details As Low As; Loan amount > $6,000 Last Updated 10/13/2026 Rate History 1 change since Sep 17, 2026 · 6.75% → 6.85% ▲ 0.10 pts · high 6.85% / low 6.75% Sep 25, 20266.85%▲ from 6.75% Sep 17, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.19%
Used RV, Boat or ATV Loan	-	6.85%	Up to 72 Months
Details As Low As; Loan amount > $20,000 Last Updated 10/13/2026 Rate History 1 change since Sep 17, 2026 · 6.75% → 6.85% ▲ 0.10 pts · high 6.85% / low 6.75% Sep 25, 20266.85%▲ from 6.75% Sep 17, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.19%
Used RV, Boat or ATV Loan	-	6.85%	Up to 84 Months
Details As Low As; Loan amount > $40,000 Last Updated 10/13/2026 Rate History 1 change since Sep 17, 2026 · 6.75% → 6.85% ▲ 0.10 pts · high 6.85% / low 6.75% Sep 25, 20266.85%▲ from 6.75% Sep 17, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.19%
New RV, Boat or ATV Loan	-	7.35%	Up to 120 Months
Details As Low As; Loan amount > $40,000 Last Updated 10/13/2026 Rate History 3 changes since Sep 14, 2026 · 7.25% → 7.35% ▲ 0.10 pts · high 7.35% / low 6.85% Oct 9, 20267.35%▲ from 6.85% Oct 5, 20266.85%▼ from 7.35% Sep 25, 20267.35%▲ from 7.25% Sep 14, 20267.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.19%
Used RV, Boat or ATV Loan	-	7.35%	Up to 120 Months
Details As Low As; Loan amount > $40,000 Last Updated 10/13/2026 Rate History 3 changes since Sep 14, 2026 · 7.25% → 7.35% ▲ 0.10 pts · high 7.35% / low 6.85% Oct 9, 20267.35%▲ from 6.85% Oct 5, 20266.85%▼ from 7.35% Sep 25, 20267.35%▲ from 7.25% Sep 14, 20267.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.19%
New RV, Boat or ATV Loan	-	7.85%	Up to 180 Months
Details As Low As; Loan amount > $60,000 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 7.75% → 7.85% ▲ 0.10 pts · high 7.85% / low 7.75% Sep 25, 20267.85%▲ from 7.75% Sep 14, 20267.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.19%
Used RV, Boat or ATV Loan	-	7.85%	Up to 180 Months
Details As Low As; Loan amount > $60,000 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 7.75% → 7.85% ▲ 0.10 pts · high 7.85% / low 7.75% Sep 25, 20267.85%▲ from 7.75% Sep 14, 20267.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.19%

State Highway Patrol Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
Visa Classic	-	8.99%
Details Up to $20,000; As Low As; Fixed Rate; Plan limits $750 to $20,000; rates are fixed while the plan is open; based on credit history, credit qualifications and approval; membership required Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 8.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.19%

State Highway Patrol Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Unsecured Term Loans	10.59%	12 Months
Details Term: 12 Months per 1,000 borrowed, up to 60 months maximum; As Low As; Loan approval subject to credit qualifications Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 10.59% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.19%

State Highway Patrol Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term	View More
Debt Restructure Loan	-	-	10.59%	Up to 60 Months
Details As Low As; Debt consolidation maximum limit $20,000; all consolidated debt must be paid off and closed with this loan program Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 11.59% → 10.59% ▼ 1.00 pts · high 11.59% / low 10.59% Sep 25, 202610.59%▼ from 11.59% Sep 14, 202611.59%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.19%

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

State Highway Patrol Federal Credit Union’s Texas Ratio stayed near 0.46% in Q3 2023 to 0.19% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

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

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	$92M	0.19%	5.0	A+
March 31, 2026	$92M	0.23%	5.0	A+
December 31, 2025	$90M	0.48%	5.0	A+
September 30, 2025	$89M	0.38%	5.0	A+
June 30, 2025	$89M	0.74%	5.0	A+
March 31, 2025	$85M	0.99%	5.0	A+
December 31, 2024	$83M	0.80%	5.0	A+
September 30, 2024	$82M	0.15%	5.0	A+
June 30, 2024	$83M	0.99%	5.0	A+
March 31, 2024	$83M	0.85%	5.0	A+
December 31, 2023	$83M	0.99%	5.0	A+
September 30, 2023	$83M	0.46%	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 State Highway Patrol 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 State Highway Patrol 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 State Highway Patrol Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name State Highway Patrol Federal Credit Union

Website https://www.patrolcu.com

Address 1900 Polaris Pkwy Ste 400, Columbus, OH 43240-4035

Phone 614-431-0784

Fax 614-431-1158

President Bridget Matt

CEO Danielle Chatfield-Beres

Full-Time Employees 11

Part-Time Employees 0

Branch Locations 2

ATM Locations 0

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.19%

Return on Assets (ROA)

0.5804%

Return on Equity (ROE)

4.2943%

Non-Performing Loans Ratio (NPL)

0.06%

Total Assets

92,189,545

Total Amount of Shares and Deposits

80,053,580

Total Shares and Deposits < 1 Year

76,563,726

Total Shares and Deposits 1 3 Years

2,913,716

Total Shares and Deposits > 3 Years

576,138

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

4,436,306

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

4,436,306

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

75,617,274

Total Interest Expense (Sum of items 6 8)

766,148

Share Certificates

1,004

Number of Accounts for Share Drafts

1,909

Number of Accounts for Regular Shares

6,983

Money Market Shares

861

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)

7,360,844

Total Liabilities

80,887,024

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

State Highway Patrol Federal Credit Union earned the Top 100 Healthiest 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-s-2026-q2.svg"
       alt="Ranked #56 in MonitorBankRates Top 100 Healthiest Small Credit Unions Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page, or view the full Top 100 Healthiest Small Credit Unions Q2 2026 ranking.

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Frequently Asked Questions About State Highway Patrol Federal Credit Union

How many branches does State Highway Patrol Federal Credit Union operate?

State Highway Patrol 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 State Highway Patrol Federal Credit Union?

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

Does State Highway Patrol Federal Credit Union offer online and mobile banking?

Most modern institutions like State Highway Patrol 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.patrolcu.com.