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US Eagle Federal Credit Union Rates & Review September 2026

US Eagle Federal Credit Union's 36 month rates are at 2.40%, 48 month rates are at 2.40%, 60 month rates are at 2.40%, 24 month rates are at 2.30%, 12 month rates are at 2.25%. US Eagle Federal Credit Union's Personal Loan Rates are at 10.90%. MonitorBankRates evaluates the financial stability of US Eagle Federal Credit Union with a 2.7 Star Rating, an F Overall Health Grade, and a Texas Ratio of 42.00%. Rates last updated and verified on 08/31/2026.

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

Overall Health & Safety Grade ?
F
High Risk Health Score: 56/100
MonitorBankRates Rating ?
2.7
Fair Out of 5.0 Stars
Texas Ratio ?
42.00%
Fair Higher than avg
Health Trend ?
Worsening 12 quarters
Full history ›
US Eagle Federal Credit Union
Osuna Branch
3939 Osuna Rd NE
Albuquerque, NM 87109-4431
https://www.useagle.org
Member NCUA

US Eagle Federal Credit Union CD Rates

Product Rate APY Term View More
36 month 2.37% 2.40% 36 months
Details MemPerx Max Benefit: 2.91%
Last Updated 08/31/2026
Institution Ratings
2.7
Star Rating
F
Health Grade
Texas Ratio: 42.00%
48 month 2.37% 2.40% 48 months
Details MemPerx Max Benefit: 2.91%
Last Updated 08/31/2026
Institution Ratings
2.7
Star Rating
F
Health Grade
Texas Ratio: 42.00%
60 month 2.37% 2.40% 60 months
Details MemPerx Max Benefit: 2.91%
Last Updated 08/31/2026
Institution Ratings
2.7
Star Rating
F
Health Grade
Texas Ratio: 42.00%
24 month 2.27% 2.30% 24 months
Details MemPerx Max Benefit: 2.81%
Last Updated 08/31/2026
Institution Ratings
2.7
Star Rating
F
Health Grade
Texas Ratio: 42.00%
12 month 2.23% 2.25% 12 months
Details MemPerx Max Benefit: 2.76%
Last Updated 08/31/2026
Institution Ratings
2.7
Star Rating
F
Health Grade
Texas Ratio: 42.00%
18 month 2.23% 2.25% 18 months
Details MemPerx Max Benefit: 2.76%
Last Updated 08/31/2026
Institution Ratings
2.7
Star Rating
F
Health Grade
Texas Ratio: 42.00%
20 month - First Step 2.23% 2.25% 20 months
Details MemPerx Max Benefit: 2.76%
Last Updated 08/31/2026
Institution Ratings
2.7
Star Rating
F
Health Grade
Texas Ratio: 42.00%
36 month IRA Certificate 2.13% 2.15% 36 months
Details MemPerx Max Benefit: 2.66%
Last Updated 08/31/2026
Institution Ratings
2.7
Star Rating
F
Health Grade
Texas Ratio: 42.00%
24 month IRA Certificate 2.03% 2.05% 24 months
Details MemPerx Max Benefit: 2.56%
Last Updated 08/31/2026
Institution Ratings
2.7
Star Rating
F
Health Grade
Texas Ratio: 42.00%
12 month IRA Certificate 1.98% 2.00% 12 months
Details MemPerx Max Benefit: 2.51%
Last Updated 08/31/2026
Institution Ratings
2.7
Star Rating
F
Health Grade
Texas Ratio: 42.00%
3 month Share Certificate 0.05% 0.05% 3 months
No additional details.
Last Updated 08/31/2026
Institution Ratings
2.7
Star Rating
F
Health Grade
Texas Ratio: 42.00%

US Eagle Federal Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity Loan - - 6.99%
Details As Low As; For New Mexico residents.
Last Updated 08/31/2026
Institution Ratings
2.7
Star Rating
F
Health Grade
Texas Ratio: 42.00%

US Eagle Federal Credit Union Auto Loan Rates

Product Rate Points APR Term View More
New and Used Auto Loans - - 4.24% Up to 36 months
Details As Low As; Vehicle Year: 2022-2027; MemPerx Max Benefit: 3.74% APR
Last Updated 08/31/2026
Institution Ratings
2.7
Star Rating
F
Health Grade
Texas Ratio: 42.00%
New and Used Auto Loans - - 5.24% 37 to 66 months
Details As Low As; Vehicle Year: 2022-2027; MemPerx Max Benefit: 4.74% APR
Last Updated 08/31/2026
Institution Ratings
2.7
Star Rating
F
Health Grade
Texas Ratio: 42.00%
New and Used Auto Loans - - 5.49% 67 to 75 months
Details As Low As; Vehicle Year: 2022-2027; MemPerx Max Benefit: 4.99% APR
Last Updated 08/31/2026
Institution Ratings
2.7
Star Rating
F
Health Grade
Texas Ratio: 42.00%
New and Used Auto Loans - - 6.19% 76 to 84 months
Details As Low As; Vehicle Year: 2022-2027; MemPerx Max Benefit: 5.69% APR
Last Updated 08/31/2026
Institution Ratings
2.7
Star Rating
F
Health Grade
Texas Ratio: 42.00%
New and Used Auto Loans - - 6.89% Up to 65 months
Details As Low As; Vehicle Year: 2019-2021; MemPerx Max Benefit: 6.39% APR
Last Updated 08/31/2026
Institution Ratings
2.7
Star Rating
F
Health Grade
Texas Ratio: 42.00%
New and Used Auto Loans - - 6.99% 66 to 75 months
Details As Low As; Vehicle Year: 2019-2021; MemPerx Max Benefit: 6.49% APR
Last Updated 08/31/2026
Institution Ratings
2.7
Star Rating
F
Health Grade
Texas Ratio: 42.00%
New and Used Auto Loans - - 7.09% Up to 60 months
Details As Low As; Vehicle Year: 2016-2018; MemPerx Max Benefit: 6.59% APR
Last Updated 08/31/2026
Institution Ratings
2.7
Star Rating
F
Health Grade
Texas Ratio: 42.00%
New and Used Auto Loans - - 7.79% 36 to 48 months
Details As Low As; Vehicle Year: 2015 & Older; MemPerx Max Benefit: 7.29% APR
Last Updated 08/31/2026
Institution Ratings
2.7
Star Rating
F
Health Grade
Texas Ratio: 42.00%

US Eagle Federal Credit Union Credit Card Rates

Product Rate APR View More
Visa Platinum Credit Card - 12.75%
Details Earn rewards points on everyday purchases and redeem them for just about anything. Plus, get one of the lowest rates you'll find on a rewards card, anywhere. Regular APR: 12.75% - 18.00%
Last Updated 08/31/2026
Institution Ratings
2.7
Star Rating
F
Health Grade
Texas Ratio: 42.00%
Visa Signature METAL Credit Card - 16.49%
Details Earn 2% Total Cashback; 1.5% on purchases and 0.5% when you pay. Regular APR: 16.49% - 18.00%
Last Updated 08/31/2026
Institution Ratings
2.7
Star Rating
F
Health Grade
Texas Ratio: 42.00%
Visa Classic Credit Card - 18.00%
Details Straightforward, dependable, no surprises. A reliable card for everyday purchases - and a great first step for anyone building their credit. Regular APR: 18.00%
Last Updated 08/31/2026
Institution Ratings
2.7
Star Rating
F
Health Grade
Texas Ratio: 42.00%
Visa Secured Credit Card - 18.00%
Details Rebuild credit with confidence - your credit line is secured by a refundable deposit in your share account. Regular APR: 18.00%
Last Updated 08/31/2026
Institution Ratings
2.7
Star Rating
F
Health Grade
Texas Ratio: 42.00%

US Eagle Federal Credit Union Personal Loan Rates

Product APR Term View More
Personal Loan 10.90% 5+ years of membership
No additional details.
Last Updated 08/31/2026
Institution Ratings
2.7
Star Rating
F
Health Grade
Texas Ratio: 42.00%
Signature - Uncollateralized Loan 11.00% 5 years
Details Max APR: 15.00%; MemPerx Max Benefit: 10.50%
Last Updated 08/31/2026
Institution Ratings
2.7
Star Rating
F
Health Grade
Texas Ratio: 42.00%
Signature Loan 11.00% 60 months
Details As Low As; Payment Example: $108.71 per month for a $5,000 loan on approved credit. APR subject to change.
Last Updated 08/31/2026
Institution Ratings
2.7
Star Rating
F
Health Grade
Texas Ratio: 42.00%
Personal Loan 11.90% 3-5 years of membership
No additional details.
Last Updated 08/31/2026
Institution Ratings
2.7
Star Rating
F
Health Grade
Texas Ratio: 42.00%
Signature Loan 15.00% 60 months
Details Payment Example: $118.95 per month for a $5,000 loan on approved credit. APR subject to change.
Last Updated 08/31/2026
Institution Ratings
2.7
Star Rating
F
Health Grade
Texas Ratio: 42.00%
Visa Signature METAL Credit Card 16.49%
Details Earn 2% Total Cashback; 1.5% on purchases and 0.5% when you pay. Regular APR: 16.49% - 18.00%
Last Updated 08/31/2026
Institution Ratings
2.7
Star Rating
F
Health Grade
Texas Ratio: 42.00%

Financial Health History

US Eagle Federal Credit Union’s Texas Ratio rose from 14.24% in Q2 2023 to 42.00% in Q1 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 2.8 and its Health Grade from A- to F. Lower Texas Ratios are healthier; the amber line marks the 15% level a credit union must stay under to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

0% 1.0★ 13% 2.0★ 25% 3.0★ 38% 4.0★ 51% 5.0★ 15% Verified Healthy line 14.24% A- Q2 2023 B+ Q3 2023 A- Q4 2023 B Q1 2024 C- Q2 2024 C- Q3 2024 F Q4 2024 F Q1 2025 D Q2 2025 F Q3 2025 F Q4 2025 42.00% F Q1 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 Grade15% Verified Healthy threshold
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
March 31, 2026$1.5B42.00%2.8F
December 31, 2025$1.5B44.25%2.6F
September 30, 2025$1.5B42.99%2.7F
June 30, 2025$1.5B38.85%3.0D
March 31, 2025$1.5B43.04%2.7F
December 31, 2024$1.5B41.63%2.8F
September 30, 2024$1.5B31.55%3.6C-
June 30, 2024$1.5B31.12%3.7C-
March 31, 2024$1.5B19.44%4.6B
December 31, 2023$1.5B14.54%5.0A-
September 30, 2023$1.4B18.98%4.7B+
June 30, 2023$1.5B14.24%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 US Eagle 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 US Eagle 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 US Eagle Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name US Eagle Federal Credit Union
Address 3939 Osuna Rd NE, Albuquerque, NM 87109-4431
Phone 505-342-8888
Fax 505-342-8975
President Kevin McMahon
CEO Michael Moore
Full-Time Employees 312
Part-Time Employees 11
Branch Locations 10
ATM Locations 10
NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
2.7 / 5.0 ★
Overall Health & Safety Grade
F (56/100)
Texas Ratio
42.00%
Return on Assets (ROA)
-0.2257%
Return on Equity (ROE)
-2.7827%
Non-Performing Loans Ratio (NPL)
6.63%
Total Assets
1,484,871,428
Total Amount of Shares and Deposits
1,349,153,452
Total Shares and Deposits < 1 Year
1,277,940,496
Total Shares and Deposits 1 3 Years
46,714,832
Total Shares and Deposits > 3 Years
24,498,124
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
47,918,800
Total Uninsured Shares and Deposits > $250K (F+J)
47,918,800
Total Insured Shares and Deposits > $250K (item 17 less item K)
1,301,234,652
Total Interest Expense (Sum of items 6 8)
4,332,080
Share Certificates
8,581
Number of Accounts for Share Drafts
51,520
IRA KEOGH Accounts
2,564
Number of Accounts for Regular Shares
115,282
All other shares
19
Money Market Shares
13,809
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)
114,459,601
Total Liabilities
1,377,217,959
Source: NCUA — Last Updated 03/31/2026

Customer Reviews

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Frequently Asked Questions About US Eagle Federal Credit Union

How many branches does US Eagle Federal Credit Union operate?

US Eagle 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 US Eagle Federal Credit Union?

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

Does US Eagle Federal Credit Union offer online and mobile banking?

Most modern institutions like US Eagle 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.useagle.org.

Current US Eagle Federal Credit Union Rates

  • 12-Month CD2.00%
  • 18-Month CD2.25%
  • 24-Month CD2.05%
  • 60-Month CD2.40%
Retrieved from our database of financial products. Rates subject to change.