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The Family Credit Union Rates & Review August 2026

The Family Credit Union's savings rates are at 0.20%. The Family Credit Union's Fixed Rate Mortgage Loans - 10 Year rates are at 5.24%, Fixed Rate Mortgage Loans - 15 Year rates are at 5.49%. The Family Credit Union's Personal Loan Rates are at 4.74%. MonitorBankRates evaluates the financial stability of The Family Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.14%. Rates last updated and verified on 08/28/2026.

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

MonitorBankRates Verified Strong Badge 2026 Verified Strong 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 ?
4.14%
Excellent Lower than avg
The Family Credit Union
Northwest
1530 W 53rd St
Davenport, IA 52806
https://www.familycu.com
Member NCUA

The Family Credit Union Savings Rates

Product Rate APY View More
Kirby Kangaroo Club - 2.00%
Min Balance $1
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
Kirby Kangaroo Club - 0.75%
Min Balance $5,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
Growth Savings - 0.55%
Min Balance $100,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
Growth Savings - 0.50%
Min Balance $50,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
Growth Savings - 0.40%
Min Balance $25,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
Growth Savings - 0.30%
Min Balance $1,500
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
Health Savings - 0.20%
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
Christmas Club - 0.15%
Min Balance $100
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
Kirby Kangaroo Club - 0.15%
Min Balance $25,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%

The Family Credit Union Mortgage Rates

Product Rate Points APR Term View More
Fixed Rate Mortgage Loans - 10 Year 5.24% - 5.52% 10 Year
Details Rates may vary, based on loan amounts, subject property, loan qualification and credit scores. The actual payment obligation may be greater. First mortgage rates are reviewed quarterly. Updated 09/19/2025
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
Fixed Rate Mortgage Loans - 15 Year 5.49% - 5.69% 15 Year
Details Rates may vary, based on loan amounts, subject property, loan qualification and credit scores. The actual payment obligation may be greater. First mortgage rates are reviewed quarterly. Updated 09/19/2025
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%

The Family Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
Fixed Rate Home Equity Loans - - 5.99% Less than 60 Months
Details Rates, terms, and conditions are subject to change without notice and may vary based on creditworthiness, qualifications, and collateral conditions.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
Variable Rate Home Equity Loans - - 6.75% 15 Year HELOC (In-House)
Details Variable APR may increase after consummation. All loans are subject to approval. Rates, terms, and conditions are subject to change without notice and may vary based on creditworthiness, qualifications, and collateral conditions. Rates are provided as a sampling, using a scenario of a $125,000 purchase, 20% down, the loan amount of $100,000, with good credit (lower down payment options available). Example of repayment of a Variable Home Equity at the stated rate and term: 60 month draw period.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
Fixed Rate Home Equity Loans - - 6.99% 61-120 Months
Details Rates, terms, and conditions are subject to change without notice and may vary based on creditworthiness, qualifications, and collateral conditions.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
Fixed Rate Home Equity Loans - - 7.99% More than 120 Months
Details Rates, terms, and conditions are subject to change without notice and may vary based on creditworthiness, qualifications, and collateral conditions.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
Home Equity Home Improvement Loans - - 9.99% Over $25,000 (Mortgage Filed, Loan to Value 100%) - up to 60 months
Details Rates, terms, and conditions are subject to change without notice and may vary based on creditworthiness, qualifications, and collateral conditions.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
Home Equity Variable APR (80.1% to 100% Loan to Value) - - 10.25%
Details Floor 6.75%. Rates, terms, and conditions are subject to change without notice and may vary based on creditworthiness, qualifications, and collateral conditions.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
Home Equity Home Improvement Loans - - 10.49% Over $25,000 (Mortgage Filed, Loan to Value 100%) - up to 84 months
Details Rates, terms, and conditions are subject to change without notice and may vary based on creditworthiness, qualifications, and collateral conditions.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
Home Equity Home Improvement Loans - - 10.99% Under $25,000 (No Mortgage Filed) - up to 36 months
Details Rates, terms, and conditions are subject to change without notice and may vary based on creditworthiness, qualifications, and collateral conditions.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
Home Equity Home Improvement Loans - - 11.49% Under $25,000 (No Mortgage Filed) - up to 48 months
Details Rates, terms, and conditions are subject to change without notice and may vary based on creditworthiness, qualifications, and collateral conditions.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
Home Equity Home Improvement Loans - - 11.99% Under $25,000 (No Mortgage Filed) - up to 60 months
Details Rates, terms, and conditions are subject to change without notice and may vary based on creditworthiness, qualifications, and collateral conditions.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%

The Family Credit Union Auto Loan Rates

Product Rate Points APR Term View More
New & Used Vehicles, Trucks, Motorcycles Loan - - 4.74% up to 48 months
Details As Low As; 2023 - 2026
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
New & Used Vehicles, Trucks, Motorcycles Loan - - 4.99% up to 72 months
Details As Low As; 2023 - 2026
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
New & Used Vehicles, Trucks, Motorcycles Loan - - 5.24% up to 84 months
Details As Low As; 2023 - 2026
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
Used Vehicles & Motorcycles Loan - - 5.24% up to 48 months
Details As Low As; 2019 - 2022
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
Used Vehicles & Motorcycles Loan - - 5.49% up to 60 months
Details As Low As; 2019 - 2022
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
Used Vehicles & Motorcycles Loan - - 5.99% up to 72 months
Details As Low As; 2019 - 2022 (available 2021/22 only)
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
Used Vehicles & Motorcycles Loan - - 7.24% up to 36 months
Details As Low As; 2018 and older
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
Used Vehicles & Motorcycles Loan - - 7.49% up to 48 months
Details As Low As; 2018 and older
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
Used Vehicles & Motorcycles Loan - - 7.99% up to 60 months
Details As Low As; 2018 and older
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%

The Family Credit Union Credit Card Rates

Product Rate APR View More
MasterCard Basic Credit Card - 9.90%
Details As Low As; Fixed annual percentage rates. No cash advance fees at offices (fees may apply if advancing at an ATM - fee will be disclosed at the ATM). No balance transfer fees. 25-day grace period. No liability for unauthorized use. Make payments locally at your credit union office, online, mail, or phone transfer.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
MasterCard Rewards Credit Card - 12.90%
Details As Low As; 1% cashback on grocery purchases. Cashback accruals will appear as a credit on monthly statements. Balance transfers and cash advances do not apply as Rewards. This program can be changed by the credit union with sufficient notice. No cash advance fees at offices (fees may apply if advancing at an ATM and will be disclosed). No balance transfer fees applicable.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%

Methodology & Data Sources

MonitorBankRates Star Rating
Our rating for The Family 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 The Family 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 The Family Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name The Family Credit Union
Address 1530 W 53rd St, Davenport, IA 52806
Phone 563-388-8328
Fax 563-388-0456
President William Buckley
CEO Michael Brandt
Full-Time Employees 63
Part-Time Employees 5
Branch Locations 10
ATM Locations 10
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
4.14%
Return on Assets (ROA)
0.6079%
Return on Equity (ROE)
4.2833%
Non-Performing Loans Ratio (NPL)
1.06%
Total Assets
243,643,623
Total Amount of Shares and Deposits
207,226,982
Total Shares and Deposits < 1 Year
185,886,763
Total Shares and Deposits 1 3 Years
21,036,390
Total Shares and Deposits > 3 Years
303,830
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
10,559,358
Total Uninsured Shares and Deposits > $250K (F+J)
10,559,358
Total Insured Shares and Deposits > $250K (item 17 less item K)
196,667,624
Total Interest Expense (Sum of items 6 8)
2,334,826
Share Certificates
1,617
Number of Accounts for Share Drafts
13,991
IRA KEOGH Accounts
391
Number of Accounts for Regular Shares
24,118
All other shares
603
Net Income (unless the amount is already included in Undivided Earnings)
1,467,627
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)
7,994,911
Total Liabilities
209,065,811
Source: NCUA — Last Updated 09/30/2025
MonitorBankRates Verified Strong Badge 2026
2026 MBR Health & Safety Badge

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Customer Reviews

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Frequently Asked Questions About The Family Credit Union

How many branches does The Family Credit Union operate?

The Family 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 The Family Credit Union?

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

Does The Family Credit Union offer online and mobile banking?

Most modern institutions like The Family 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.familycu.com.

Current The Family Credit Union Rates

  • Savings0.20%
Retrieved from our database of financial products. Rates subject to change.