What are the current interest rates at SUPERIOR CHOICE?

Current rates for SUPERIOR CHOICE include: 12-Month CD: 2.50%, 18-Month CD: 2.50%, 24-Month CD: 2.50%, 60-Month CD: 2.25%, MMA: 2.50%

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SUPERIOR CHOICE

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SUPERIOR CHOICE Rates & Review October 2026

Q: How many branches does SUPERIOR CHOICE operate?

SUPERIOR CHOICE currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join SUPERIOR CHOICE?

Yes, to access services at SUPERIOR CHOICE, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Is there a first-time homebuyer program?

Currently, SUPERIOR CHOICE does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, SUPERIOR CHOICE provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 14, 2026

SUPERIOR CHOICE's top rates as of October 14, 2026 are 3.40% APY on its 13 Month CD, 2.50% APY on money market accounts, 3.00% APY on checking, and auto loans from 3.99% APR, according to rates verified by MonitorBankRates. Other SUPERIOR CHOICE CD rates include 23 Month CD at 3.40%, 6 Month CD at 2.75%, and 1 Year CD at 2.50%. MonitorBankRates evaluates the financial stability of SUPERIOR CHOICE with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.37%. Rates last updated and verified on 10/14/2026.

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

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.37%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

SUPERIOR CHOICE
Tower Avenue Branch

2817 Tower Ave
Superior, WI 54880-5320

http://www.superiorchoice.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.

SUPERIOR CHOICE CD Rates

Product	Rate	APY	Term
13 Month Share Certificate	-	3.40%	13 month
Min Deposit $500 Min Balance $500 Details Balance: $500.00 - $99,999.99; Membership eligibility required; promotional APY; Fees may reduce earnings; early withdrawal penalty applies Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 3.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
13 Month Share Certificate	-	3.40%	13 month
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000 and up; Membership eligibility required; promotional APY; Fees may reduce earnings; early withdrawal penalty applies Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 3.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
23 Month Share Certificate	-	3.40%	23 month
Min Deposit $500 Min Balance $500 Details Balance: $500.00 - $99,999.99; Membership eligibility required; promotional APY; Fees may reduce earnings; early withdrawal penalty applies Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 3.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
23 Month Share Certificate	-	3.40%	23 month
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000 and up; Membership eligibility required; promotional APY; Fees may reduce earnings; early withdrawal penalty applies Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 3.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
6 Month Share Certificate	-	2.75%	6 months
Min Deposit $500 Min Balance $500 Details Balance: $500.00 - $99,999.99; Fees may reduce earnings; early withdrawal penalty applies Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 2.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
6 Month Share Certificate	-	2.75%	6 months
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000 and up; Fees may reduce earnings; early withdrawal penalty applies Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 2.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
1 Year Share Certificate	-	2.50%	1 year
Min Deposit $500 Min Balance $500 Details Balance: $500.00 - $99,999.99; Fees may reduce earnings; early withdrawal penalty applies Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 2.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
1 Year Share Certificate	-	2.50%	1 year
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000 and up; Fees may reduce earnings; early withdrawal penalty applies Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 2.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
18 Month Share Certificate	-	2.50%	18 month
Min Deposit $500 Min Balance $500 Details Balance: $500.00 - $99,999.99; Fees may reduce earnings; early withdrawal penalty applies Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 2.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
18 Month Share Certificate	-	2.50%	18 month
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000 and up; Fees may reduce earnings; early withdrawal penalty applies Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 2.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
24 Month Share Certificate	-	2.50%	24 month
Min Deposit $500 Min Balance $500 Details Balance: $500.00 - $99,999.99; Fees may reduce earnings; early withdrawal penalty applies Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 2.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
24 Month Share Certificate	-	2.50%	24 month
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000 and up; Fees may reduce earnings; early withdrawal penalty applies Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 2.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
30 Month Share Certificate	-	2.50%	30 months
Min Deposit $500 Min Balance $500 Details Balance: $500.00 - $99,999.99; Fees may reduce earnings; early withdrawal penalty applies Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 2.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
30 Month Share Certificate	-	2.50%	30 months
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000 and up; Fees may reduce earnings; early withdrawal penalty applies Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 2.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
3 Year Share Certificate	-	2.25%	3 year
Min Deposit $500 Min Balance $500 Details Balance: $500.00 - $99,999.99; Fees may reduce earnings; early withdrawal penalty applies Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 2.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
3 Year Share Certificate	-	2.25%	3 year
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000 and up; Fees may reduce earnings; early withdrawal penalty applies Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 2.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
4 Year Share Certificate	-	2.25%	4 year
Min Deposit $500 Min Balance $500 Details Balance: $500.00 - $99,999.99; Fees may reduce earnings; early withdrawal penalty applies Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 2.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
4 Year Share Certificate	-	2.25%	4 year
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000 and up; Fees may reduce earnings; early withdrawal penalty applies Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 2.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
5 Year Share Certificate	-	2.25%	5 year
Min Deposit $500 Min Balance $500 Details Balance: $500.00 - $99,999.99; Fees may reduce earnings; early withdrawal penalty applies Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 2.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
5 Year Share Certificate	-	2.25%	5 year
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000 and up; Fees may reduce earnings; early withdrawal penalty applies Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 2.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
3 Month Share Certificate	-	0.30%	3 months
Min Deposit $500 Min Balance $500 Details Balance: $500.00 - $99,999.99; Fees may reduce earnings; early withdrawal penalty applies Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 0.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
3 Month Share Certificate	-	0.30%	3 months
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000 and up; Fees may reduce earnings; early withdrawal penalty applies Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 0.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%

SUPERIOR CHOICE Money Market Rates

Product	Rate	APY
Premier Money Market	-	2.50%
Min Deposit $2,500 Min Balance $250,000 Details Balance: $250,000 and over; Membership eligibility required Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 2.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Premier Money Market	-	2.00%
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000 - $249,999.99; Membership eligibility required Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 2.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Premier Money Market	-	1.75%
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000 - $99,999.99; Membership eligibility required Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 1.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Premier Money Market	-	1.00%
Min Deposit $2,500 Min Balance $10,000 Details Balance: $10,000 - $24,999.99; Membership eligibility required Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 1.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Premier Money Market	-	1.00%
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000 - $49,999.99; Membership eligibility required Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 1.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Premier Money Market	-	0.50%
Min Deposit $2,500 Min Balance $0 Details Balance: $0 - $9,999.99; Membership eligibility required Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 0.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%

SUPERIOR CHOICE Checking Rates

Product	Rate	APY	View More
Powerhouse Checking	-	3.00%
Details Earn up to 3.00% APY; In-Branch Only Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 3.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%

SUPERIOR CHOICE Business Checking Rates

Product	Rate	APY	View More
Powerhouse Business Checking	-	3.00%
Details Earn up to 3.00% APY; headline card rate only, no full Business Checking Rates table present in source Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 3.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%

SUPERIOR CHOICE Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto (never titled)	-	-	3.99%	36 months
Details As Low As; Up to 125% MSRP including taxes, license, warranties, and all other adds; Posted rate includes 0.25% APR discount for automatic payments from a Superior Choice account; Membership eligibility required Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Used Auto Model Year 2022-2026	-	-	4.99%	36 months
Details As Low As; Up to 125% MSRP including taxes, license, warranties, and all other adds; Promo rate for A+ Tier borrowers only with maximum 80% LTV, collateral age 4 years or newer, and maximum mileage of 100,000 miles; Posted rate includes 0.25% APR discount for automatic payments from a Superior Choice account; Membership eligibility required Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Used Auto Model Year 2020-2021	-	-	5.99%	36 months
Details As Low As; Up to 125% MSRP including taxes, license, warranties, and all other adds; Posted rate includes 0.25% APR discount for automatic payments from a Superior Choice account; Membership eligibility required Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 5.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Used Auto Model Year 2016-2019	-	-	6.99%	36 months
Details As Low As; Up to 125% MSRP including taxes, license, warranties, and all other adds; Posted rate includes 0.25% APR discount for automatic payments from a Superior Choice account; Membership eligibility required Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 6.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%

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

SUPERIOR CHOICE’s Texas Ratio fell from 8.20% in Q3 2023 to 4.37% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A to A+. 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	$730M	4.37%	5.0	A+
March 31, 2026	$726M	3.30%	5.0	A+
December 31, 2025	$718M	4.42%	5.0	A+
September 30, 2025	$699M	4.40%	5.0	A+
June 30, 2025	$705M	6.16%	5.0	A
March 31, 2025	$736M	10.10%	5.0	A
December 31, 2024	$770M	11.33%	5.0	A
September 30, 2024	$788M	11.65%	5.0	A
June 30, 2024	$820M	10.39%	5.0	A
March 31, 2024	$824M	7.55%	5.0	A
December 31, 2023	$804M	8.01%	5.0	A
September 30, 2023	$797M	8.20%	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 SUPERIOR CHOICE 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 SUPERIOR CHOICE 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 SUPERIOR CHOICE's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name SUPERIOR CHOICE

Website http://www.superiorchoice.com

Address 2817 Tower Ave, Superior, WI 54880-5320

Phone 715-392-5616

Fax 715-395-5295

President Mark Casper

CEO Adam Keer

Full-Time Employees 133

Part-Time Employees 21

Branch Locations 12

ATM Locations 12

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

4.37%

Return on Assets (ROA)

0.2386%

Return on Equity (ROE)

3.1657%

Non-Performing Loans Ratio (NPL)

0.57%

Total Assets

730,338,513

Total Amount of Shares and Deposits

626,180,191

Total Shares and Deposits < 1 Year

546,546,513

Total Shares and Deposits 1 3 Years

77,851,017

Total Shares and Deposits > 3 Years

1,782,660

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

31,102,765

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

31,102,765

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

595,077,426

Total Interest Expense (Sum of items 6 8)

5,950,827

Share Certificates

5,264

Number of Accounts for Share Drafts

23,966

IRA KEOGH Accounts

1,357

Number of Accounts for Regular Shares

43,530

All other shares

2,607

Non Member Deposits

Money Market Shares

841

Net Income (unless the amount is already included in Undivided Earnings)

1,742,346

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)

69,669,032

Total Liabilities

676,962,117

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

SUPERIOR CHOICE 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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Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About SUPERIOR CHOICE

How many branches does SUPERIOR CHOICE operate?

SUPERIOR CHOICE 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 SUPERIOR CHOICE?

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

Does SUPERIOR CHOICE offer online and mobile banking?

Most modern institutions like SUPERIOR CHOICE 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: http://www.superiorchoice.com.