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Widget Financial Credit Union Rates & Review August 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: August 28, 2026
Widget Financial Credit Union's 60 Month rates are at 3.97%, 48 Month rates are at 3.92%, IRA CD 60 Month rates are at 3.92%, CDs 60 Month rates are at 3.92%, 36 Month rates are at 3.87%. Widget Financial Credit Union's savings rates are at 0.01%. Widget Financial Credit Union's money market rates are at 0.70%. Widget Financial Credit Union's Personal Loan Rates are at 7.24%. MonitorBankRates evaluates the financial stability of Widget Financial Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.40%. Rates last updated and verified on 08/28/2026.
Widget Financial 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 Widget Financial Credit Union? Share your experience about Widget Financial Credit Union by leaving a review below, or read customer reviews before you decide to use Widget Financial Credit Union.
Widget Financial Credit Union has earned an overall safety grade of A+ (Exceptional, Score: 99/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Widget Financial Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
2.40%
ExcellentLower than avg
Widget Financial Credit Union Texas Ratio
Widget Financial Credit Union's Texas Ratio is 2.40%, which is considered excellent and is lower than the national average of 6.13%.
Widget Financial Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
DetailsQualifications Required: minimum average daily balance of $1,000 or more; minimum of $250 in debit card purchases posted within the calendar month; one electronic (ACH) deposit; monthly use of Online Banking, and eStatements; No minimum balance requirement. APY (Annual Percentage Yield) earned upon meeting minimum average daily balance of $1,000 or more, minimum of $250 in debit card purchases posted within the calendar month, one electronic (ACH) deposit and monthly use of Online Banking, and eStatements. All requirements must be met on the same account. Dividends of 0.10% APY will be paid on non-qualifying accounts and on any portion of the average daily balance above $25,000. Fees may reduce earnings. One account per SSN. Contact Credit Union for details.
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.40%
Experience Checking
0.10%
0.10%
Min Balance$1,000
DetailsMembers age 50+ and a $1000 minimum balance is required to earn dividends. Certificates held by Experience Members earn 10 basis points over the current certificate rate upon renewal
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.40%
Widget Financial Credit Union Mortgage Rates
Product
Rate
Points
APR
Term
View More
30 year fixed
-
-
6.69%
30 year
DetailsMortgage APR as low as
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.40%
Widget Financial Credit Union Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
Home Equity Fixed Rate
5.49%
-
5.59%
5 Years
DetailsAs Low As; Includes 1/4% discount for automatic payments and e-statements. Loan must include at least $5,000 new money to the credit union. Maximum loan $200,000. Subject to credit approval. Rates subject to change at any time; restrictions and conditions apply. Consult your tax advisor regarding tax deductibility of interest. Payment and Rate examples are based on a first lien position on your primary residence: Monthly payment on a $50,000 loan at 5.589% APR for 60 months is $954.90. Monthly payment on a $50,000 loan for 96 months at 6.054% APR is $656.89. Monthly payment on a $50,000 loan at 6.043% APR for 120 months is $554.90. Monthly payment on a $50,000 loan at 6.277% APR for 180 months is $428.48. Examples do not include escrows for property taxes or insurance premiums which you will be required to pay separately. Closing Costs: The credit union will pay for the credit report and appraisal or valuation of your home up to a maximum of $500. Contact the credit union for an estimate of other closing costs that you will pay at closing. You may be required to pay the cost of the property valuation upfront. Up to $500 will be refunded after your loan is closed. No fees will be refunded if the loan does not close. Property valuation typically ranges from $75 to $600 for a single-family home. The appraisal or valuation will not be paid by the credit union if your home is or will be listed for sale or you have received this promotion within the last six months. Equal Housing Lender. NMLS#447022
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.40%
Home Equity Fixed Rate
5.99%
-
6.04%
10 Years
DetailsAs Low As; Includes 1/4% discount for automatic payments and e-statements. Loan must include at least $5,000 new money to the credit union. Maximum loan $200,000. Subject to credit approval. Rates subject to change at any time; restrictions and conditions apply. Consult your tax advisor regarding tax deductibility of interest. Payment and Rate examples are based on a first lien position on your primary residence: Monthly payment on a $50,000 loan at 5.589% APR for 60 months is $954.90. Monthly payment on a $50,000 loan for 96 months at 6.054% APR is $656.89. Monthly payment on a $50,000 loan at 6.043% APR for 120 months is $554.90. Monthly payment on a $50,000 loan at 6.277% APR for 180 months is $428.48. Examples do not include escrows for property taxes or insurance premiums which you will be required to pay separately. Closing Costs: The credit union will pay for the credit report and appraisal or valuation of your home up to a maximum of $500. Contact the credit union for an estimate of other closing costs that you will pay at closing. You may be required to pay the cost of the property valuation upfront. Up to $500 will be refunded after your loan is closed. No fees will be refunded if the loan does not close. Property valuation typically ranges from $75 to $600 for a single-family home. The appraisal or valuation will not be paid by the credit union if your home is or will be listed for sale or you have received this promotion within the last six months. Equal Housing Lender. NMLS#447022
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.40%
Home Equity Fixed Rate
5.99%
-
6.05%
8 Years
DetailsAs Low As; Includes 1/4% discount for automatic payments and e-statements. Loan must include at least $5,000 new money to the credit union. Maximum loan $200,000. Subject to credit approval. Rates subject to change at any time; restrictions and conditions apply. Consult your tax advisor regarding tax deductibility of interest. Payment and Rate examples are based on a first lien position on your primary residence: Monthly payment on a $50,000 loan at 5.589% APR for 60 months is $954.90. Monthly payment on a $50,000 loan for 96 months at 6.054% APR is $656.89. Monthly payment on a $50,000 loan at 6.043% APR for 120 months is $554.90. Monthly payment on a $50,000 loan at 6.277% APR for 180 months is $428.48. Examples do not include escrows for property taxes or insurance premiums which you will be required to pay separately. Closing Costs: The credit union will pay for the credit report and appraisal or valuation of your home up to a maximum of $500. Contact the credit union for an estimate of other closing costs that you will pay at closing. You may be required to pay the cost of the property valuation upfront. Up to $500 will be refunded after your loan is closed. No fees will be refunded if the loan does not close. Property valuation typically ranges from $75 to $600 for a single-family home. The appraisal or valuation will not be paid by the credit union if your home is or will be listed for sale or you have received this promotion within the last six months. Equal Housing Lender. NMLS#447022
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.40%
Home Equity Fixed Rate
6.24%
-
6.28%
15 Years
DetailsAs Low As; Includes 1/4% discount for automatic payments and e-statements. Loan must include at least $5,000 new money to the credit union. Maximum loan $200,000. Subject to credit approval. Rates subject to change at any time; restrictions and conditions apply. Consult your tax advisor regarding tax deductibility of interest. Payment and Rate examples are based on a first lien position on your primary residence: Monthly payment on a $50,000 loan at 5.589% APR for 60 months is $954.90. Monthly payment on a $50,000 loan for 96 months at 6.054% APR is $656.89. Monthly payment on a $50,000 loan at 6.043% APR for 120 months is $554.90. Monthly payment on a $50,000 loan at 6.277% APR for 180 months is $428.48. Examples do not include escrows for property taxes or insurance premiums which you will be required to pay separately. Closing Costs: The credit union will pay for the credit report and appraisal or valuation of your home up to a maximum of $500. Contact the credit union for an estimate of other closing costs that you will pay at closing. You may be required to pay the cost of the property valuation upfront. Up to $500 will be refunded after your loan is closed. No fees will be refunded if the loan does not close. Property valuation typically ranges from $75 to $600 for a single-family home. The appraisal or valuation will not be paid by the credit union if your home is or will be listed for sale or you have received this promotion within the last six months. Equal Housing Lender. NMLS#447022
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.40%
Widget Financial Credit Union Auto Loan Rates
Product
Rate
Points
APR
Term
View More
Vehicle Loan (2023-2024)
-
-
6.34%
24 Months
DetailsRates based on credit worthiness, term and other conditions. Maximum term for 2017 is 60 months. Rates obtained at a dealership may vary from above. Minimum loan amount is $7,500 for a 60 month term auto.
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.40%
Vehicle Loan (2023-2024)
-
-
6.54%
66 Months
DetailsRates based on credit worthiness, term and other conditions. Maximum term for 2017 is 60 months. Rates obtained at a dealership may vary from above. Minimum loan amount is $10,000 for a 72 month term auto.
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.40%
Vehicle Loan (2022)
-
-
6.64%
24 Months
DetailsRates based on credit worthiness, term and other conditions. Maximum term for 2017 is 60 months. Rates obtained at a dealership may vary from above. Minimum loan amount is $7,500 for a 60 month term auto.
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.40%
Vehicle Loan (2023-2024)
-
-
6.74%
72 Months
DetailsRates based on credit worthiness, term and other conditions. Maximum term for 2017 is 60 months. Rates obtained at a dealership may vary from above. Minimum loan amount is $10,000 for a 72 month term auto.
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.40%
Vehicle Loan (2022)
-
-
6.84%
66 Months
DetailsRates based on credit worthiness, term and other conditions. Maximum term for 2017 is 60 months. Rates obtained at a dealership may vary from above. Minimum loan amount is $10,000 for a 72 month term auto.
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.40%
Vehicle Loan (2023-2024)
-
-
6.84%
75 Months
DetailsRates based on credit worthiness, term and other conditions. Maximum term for 2017 is 60 months. Rates obtained at a dealership may vary from above. Minimum loan amount is $12,000 for a 75 month term auto.
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.40%
Vehicle Loan (2020)
-
-
7.04%
24 Months
DetailsRates based on credit worthiness, term and other conditions. Maximum term for 2017 is 60 months. Rates obtained at a dealership may vary from above. Minimum loan amount is $7,500 for a 60 month term auto.
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.40%
Vehicle Loan (2023-2024)
-
-
7.04%
78 Months
DetailsRates based on credit worthiness, term and other conditions. Maximum term for 2017 is 60 months. Rates obtained at a dealership may vary from above. Minimum loan amount is $15,000 for a 78 month term auto.
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.40%
Vehicle Loan (2019)
-
-
7.14%
48 Months
DetailsRates based on credit worthiness, term and other conditions. Maximum term for 2017 is 60 months. Rates obtained at a dealership may vary from above. Minimum loan amount is $7,500 for a 60 month term auto.
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.40%
Vehicle Loan (2020)
-
-
7.14%
60-63 Months
DetailsRates based on credit worthiness, term and other conditions. Maximum term for 2017 is 60 months. Rates obtained at a dealership may vary from above. Minimum loan amount is $7,500 for a 60 month term auto.
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.40%
Vehicle Loan (2022)
-
-
7.14%
72 Months
DetailsRates based on credit worthiness, term and other conditions. Maximum term for 2017 is 60 months. Rates obtained at a dealership may vary from above. Minimum loan amount is $10,000 for a 72 month term auto.
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.40%
Vehicle Loan (2020)
-
-
7.34%
66 Months
DetailsRates based on credit worthiness, term and other conditions. Maximum term for 2017 is 60 months. Rates obtained at a dealership may vary from above. Minimum loan amount is $10,000 for a 72 month term auto.
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.40%
Vehicle Loan (2022)
-
-
7.34%
75 Months
DetailsRates based on credit worthiness, term and other conditions. Maximum term for 2017 is 60 months. Rates obtained at a dealership may vary from above. Minimum loan amount is $12,000 for a 75 month term auto.
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.40%
Vehicle Loan (2020)
-
-
7.54%
72 Months
DetailsRates based on credit worthiness, term and other conditions. Maximum term for 2017 is 60 months. Rates obtained at a dealership may vary from above. Minimum loan amount is $10,000 for a 72 month term auto.
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.40%
Vehicle Loan (2018)
-
-
7.64%
24 Months
DetailsRates based on credit worthiness, term and other conditions. Maximum term for 2017 is 60 months. Rates obtained at a dealership may vary from above. Minimum loan amount is $7,500 for a 60 month term auto.
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.40%
Vehicle Loan (2018)
-
-
7.74%
60-63 Months
DetailsRates based on credit worthiness, term and other conditions. Maximum term for 2017 is 60 months. Rates obtained at a dealership may vary from above. Minimum loan amount is $7,500 for a 60 month term auto.
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.40%
Vehicle Loan (2017)
-
-
7.94%
24 Months
DetailsRates based on credit worthiness, term and other conditions. Maximum term for 2017 is 60 months. Rates obtained at a dealership may vary from above. Minimum loan amount is $7,500 for a 60 month term auto.
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.40%
Vehicle Loan (2017)
-
-
8.04%
36 Months
DetailsRates based on credit worthiness, term and other conditions. Maximum term for 2017 is 60 months. Rates obtained at a dealership may vary from above. Minimum loan amount is $7,500 for a 60 month term auto.
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.40%
Vehicle Loan (2017)
-
-
8.14%
60-63 Months
DetailsRates based on credit worthiness, term and other conditions. Maximum term for 2017 is 60 months. Rates obtained at a dealership may vary from above. Minimum loan amount is $7,500 for a 60 month term auto.
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.40%
Widget Financial Credit Union Credit Card Rates
Product
Rate
APR
View More
Visa Platinum Credit Card
-
10.00%
DetailsAs low as; No Annual Fee; No balance transfer fee; Local Support; Zero Liability; 24/7 Fraud Monitoring; Mobile Wallet; Apply Online
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.40%
Widget Financial Credit Union Personal Loan Rates
Product
Rate
APR
View More
Personal Loan
-
7.24%
DetailsAPR shown includes relationship discount when you have e-statements and automatic payments from your account here.
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.40%
Personal Loan
-
7.74%
DetailsAPR shown includes relationship discount when you have e-statements and automatic payments from your account here.
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.40%
Personal Loan
-
8.24%
DetailsAPR shown includes relationship discount when you have e-statements and automatic payments from your account here.
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.40%
Personal Loan
-
8.74%
DetailsAPR shown includes relationship discount when you have e-statements and automatic payments from your account here.
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.40%
Personal Loan
-
9.24%
DetailsAPR shown includes relationship discount when you have e-statements and automatic payments from your account here.
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.40%
Personal Line of Credit
-
9.95%
DetailsRate based on creditworthiness.
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.40%
Motor homes, ATVs, personal water crafts, snowmobiles, travel trailers, motorcycles Loan
-
10.39%
DetailsRates based on new vehicles, credit worthiness, term, vehicle type, amount, and other conditions. Terms vary. Please inquire at credit union.
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.40%
Methodology & Data Sources
MonitorBankRates Star Rating
Our rating for Widget Financial 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 Widget Financial 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 Widget Financial Credit Union's official website for the most current offers and terms.
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
14,623,745
Total Uninsured Shares and Deposits > $250K (F+J)
14,623,745
Total Insured Shares and Deposits > $250K (item 17 less item K)
397,301,393
Total Interest Expense (Sum of items 6 8)
4,210,004
Share Certificates
2,790
Number of Accounts for Share Drafts
27,594
IRA KEOGH Accounts
753
Number of Accounts for Regular Shares
46,569
Money Market Shares
375
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)
37,272,769
Total Liabilities
413,931,473
Source: NCUA — Last Updated 09/30/2025
2026 MBR Health & Safety Badge
Widget Financial Credit Union earned the Verified Strong badge
Display this badge on your website to show visitors your 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 — no need to download or upload anything.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
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Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for Widget Financial Credit Union
Frequently Asked Questions About Widget Financial Credit Union
How many branches does Widget Financial Credit Union operate?
Widget Financial 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 Widget Financial Credit Union?
Yes, to access services at Widget Financial 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, Widget Financial 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, Widget Financial Credit Union provides members with tools to manage their accounts and build a solid financial history.
Does Widget Financial Credit Union offer online and mobile banking?
Most modern institutions like Widget Financial 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.widgetfinancial.com.
Current Widget Financial Credit Union Rates
24-Month CD3.66%
60-Month CD3.82%
Savings0.01%
MMA0.70%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
