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Wildfire Credit Union

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Wildfire Credit Union Rates & Review October 2026

Q: What are the current interest rates at Wildfire Credit Union?

Current rates for Wildfire Credit Union include: 12-Month CD: 3.40%, 18-Month CD: 3.45%, 24-Month CD: 3.45%, 60-Month CD: 3.55%, Savings: 2.10%

Q: What CD terms does Wildfire Credit Union offer?

The Wildfire Credit Union CD terms we track include 9 month, 12 month, 18 month, 2 year, 59 month and 5 year terms, with rates from 4.07% to 4.11% APY. The institution may offer other terms or specials that are not listed here, so check with Wildfire Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 19, 2026

Wildfire Credit Union's 9 Month Jumbo CD Specials rates are at 4.11%, Business Jumbo CD Specials - 9 Month Special rates are at 4.11%, HSA Jumbo CD Specials - 9 Month Special rates are at 4.11%, Jumbo CD Specials - 9 Month Special rates are at 4.11%, 48 - 59 Month Business Jumbo CDs rates are at 4.07%. Wildfire Credit Union's savings rates are at 2.10%. Wildfire Credit Union's checking rates are as high as 5.00%. Wildfire Credit Union's Fixed Mortgage - 15 Year Fixed rates are at 7.12%, Fixed Mortgage - 10 Year Fixed rates are at 7.12%, Balloon Mortgage - 5-Year Balloon rates are at 7.12%, Balloon Mortgage - 7-Year Balloon rates are at 7.25%, Fixed Mortgage - 30 Year Fixed rates are at 7.50%. Wildfire Credit Union's Personal Loan Rates are as low as 10.99%. Wildfire Credit Union's Credit Card Rates are at 10.99%. MonitorBankRates evaluates the financial stability of Wildfire Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.16%. Rates last updated and verified on 10/19/2026.

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

Verified Healthy 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

3.16%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Wildfire Credit Union
Wildfire Credit Union

6640 Bay Rd
Saginaw, MI 48604

https://www.wildfirecu.org

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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.

Wildfire Credit Union CD Rates

Product	Rate	APY	Term
9 Month Jumbo Certificate Specials	4.034%	4.11%	9 Month
Min Balance $100,000 Details Effective Date: 10/18/2026 - 12:00 A.M. EST; Dividends compounded & credited monthly; There is a penalty for early withdrawal; Rates are subject to change without notice Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 4.11% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
HSA Jumbo Certificate Specials - 9 Month Special	4.034%	4.11%	9 Month
Min Balance $100,000 Details Effective Date: 10/18/2026; $100,000 minimum balance; Dividends compounded & credited monthly; Penalty for early withdrawal; Jumbo HSA Certificate Specials Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 4.11% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Jumbo Certificate Specials - 9 Month Special	4.034%	4.11%	9 Month
Min Balance $100,000 Details $100,000 minimum balance; Dividends compounded & credited monthly; Penalty for early withdrawal; Effective Date: 10/18/2026 Last Updated 10/19/2026 Rate History No change since Oct 9, 2026 · 4.11% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
48 - 59 Month HSA Jumbo Certificates	3.994%	4.07%	48 to 59 months
Min Balance $100,000 Details Effective Date: 10/18/2026; Dividends compounded & credited monthly; Penalty for early withdrawal; Jumbo HSA Certificates Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 4.07% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
48 - 59 Month Jumbo Certificates	3.994%	4.07%	48 to 59 months
Min Balance $100,000 Details Effective 10/18/2026; $100,000 minimum balance; dividends compounded & credited monthly; penalty for early withdrawal Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 4.07% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
60 Month HSA Jumbo Certificates	3.994%	4.07%	60 months
Min Balance $100,000 Details Effective Date: 10/18/2026; Dividends compounded & credited monthly; Penalty for early withdrawal; Jumbo HSA Certificates Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 4.07% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
60 Month Jumbo Certificates	3.994%	4.07%	60 months
Min Balance $100,000 Details Effective 10/18/2026; $100,000 minimum balance; dividends compounded & credited monthly; penalty for early withdrawal Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 4.07% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Jumbo Certificates - 48 to 59 month	3.994%	4.07%	48 to 59 months
Min Balance $100,000 Details Effective Date: 10/18/2026; Dividends compounded & credited monthly; Penalty for early withdrawal Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 4.07% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
36 - 47 Month HSA Jumbo Certificates	3.945%	4.02%	36 to 47 months
Min Balance $100,000 Details Effective Date: 10/18/2026; Dividends compounded & credited monthly; Penalty for early withdrawal; Jumbo HSA Certificates Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 4.02% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
36 - 47 Month Jumbo Certificates	3.945%	4.02%	36 to 47 months
Min Balance $100,000 Details Effective 10/18/2026; $100,000 minimum balance; dividends compounded & credited monthly; penalty for early withdrawal Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 4.02% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Jumbo Certificates - 36 to 47 month	3.945%	4.02%	36 to 47 months
Min Balance $100,000 Details Effective Date: 10/18/2026; Dividends compounded & credited monthly; Penalty for early withdrawal Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 4.02% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
9 Month Special Certificate	-	3.85%	9 Month
Min Deposit $500 Min Balance $500 Details Effective Date: 10/18/2026; Dividends compounded & credited monthly; penalty for early withdrawal Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 3.85% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Certificate Specials - 9 Month Special	3.784%	3.85%	9 Month
Min Deposit $500 Min Balance $500 Details Effective Date: 10/18/2026; Dividends compounded & credited monthly; Penalty for early withdrawal Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 3.85% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
HSA Certificate Specials - 9 Month Special	3.784%	3.85%	9 Month
Min Deposit $500 Min Balance $500 Details Effective Date: 10/18/2026; Dividends compounded & credited monthly; Penalty for early withdrawal; Rates subject to change without notice; HSA Certificate Specials Last Updated 10/19/2026 Rate History No change since Sep 18, 2026 · 3.85% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
12 - 17 Month HSA Jumbo Certificates	3.647%	3.71%	12 to 17 months
Min Balance $100,000 Details Effective Date: 10/18/2026; Dividends compounded & credited monthly; Penalty for early withdrawal; Jumbo HSA Certificates Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 3.71% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
12 - 17 Month Jumbo Certificates	3.647%	3.71%	12 to 17 months
Min Balance $100,000 Details Effective 10/18/2026; $100,000 minimum balance; dividends compounded & credited monthly; penalty for early withdrawal Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 3.71% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
12 Month Youth Certificate	-	3.71%	12 Month
Min Balance $100 Details Must be 25 or younger; $2,000 maximum deposit; deposits in $50 increments; up to 10 Youth CDs per youth account; APY varies with initial deposit amount; Effective Date: 10/18/2026; penalty for early withdrawal Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 3.71% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
18 - 23 Month HSA Jumbo Certificates	3.647%	3.71%	18 to 23 months
Min Balance $100,000 Details Effective Date: 10/18/2026; Dividends compounded & credited monthly; Penalty for early withdrawal; Jumbo HSA Certificates Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 3.71% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
18 - 23 Month Jumbo Certificates	3.647%	3.71%	18 to 23 months
Min Balance $100,000 Details Effective 10/18/2026; $100,000 minimum balance; dividends compounded & credited monthly; penalty for early withdrawal Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 3.71% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Jumbo Certificates - 12 to 17 month	3.647%	3.71%	12 to 17 months
Min Balance $100,000 Details Effective Date: 10/18/2026; Dividends compounded & credited monthly; Penalty for early withdrawal Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 3.71% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Jumbo Certificates - 18 to 23 month	3.647%	3.71%	18 to 23 months
Min Balance $100,000 Details Effective Date: 10/18/2026; Dividends compounded & credited monthly; Penalty for early withdrawal Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 3.71% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
24 - 35 Month HSA Jumbo Certificates	3.598%	3.66%	24 to 35 months
Min Balance $100,000 Details Effective Date: 10/18/2026; Dividends compounded & credited monthly; Penalty for early withdrawal; Jumbo HSA Certificates Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 3.66% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
24 - 35 Month Jumbo Certificates	3.598%	3.66%	24 to 35 months
Min Balance $100,000 Details Effective 10/18/2026; $100,000 minimum balance; dividends compounded & credited monthly; penalty for early withdrawal Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 3.66% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
6 - 11 Month HSA Jumbo Certificates	3.598%	3.66%	6 to 11 months
Min Balance $100,000 Details Effective Date: 10/18/2026; Dividends compounded & credited monthly; Penalty for early withdrawal; Jumbo HSA Certificates Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 3.66% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
6 - 11 Month Jumbo Certificates	3.598%	3.66%	6 to 11 months
Min Balance $100,000 Details Effective 10/18/2026; $100,000 minimum balance; dividends compounded & credited monthly; penalty for early withdrawal Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 3.66% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Jumbo Certificates - 24 to 35 month	3.598%	3.66%	24 to 35 months
Min Balance $100,000 Details Effective Date: 10/18/2026; Dividends compounded & credited monthly; Penalty for early withdrawal Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 3.66% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Jumbo Certificates - 6 to 11 month	3.598%	3.66%	6 to 11 months
Min Balance $100,000 Details Effective Date: 10/18/2026; Dividends compounded & credited monthly; Penalty for early withdrawal Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 3.66% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Youth Certificates - 6 Month	3.598%	3.66%	6 Month
Min Balance $100 Details Must be 25 or younger; $100 minimum balance; $2,000 maximum deposit; deposits in $50 increments; up to 10 Youth CDs per youth account; APY will vary depending on the initial certificate deposit amount; penalty for early withdrawal; Effective Date: 10/18/2026 Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 3.66% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
48 - 59 Month Certificates	3.494%	3.55%	48 - 59 Months
Min Deposit $500 Min Balance $500 Details Effective Date: 10/18/2026; Penalty for early withdrawal; Dividends compounded & credited monthly Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 3.55% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
48 - 59 Month HSA Certificates	3.494%	3.55%	48 - 59 Months
Min Deposit $500 Min Balance $500 Details Dividends compounded & credited monthly; penalty for early withdrawal; HSA Certificates Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 3.55% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
60 Month Certificates	3.494%	3.55%	60 Months
Min Deposit $500 Min Balance $500 Details Effective Date: 10/18/2026; Penalty for early withdrawal; Dividends compounded & credited monthly Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 3.55% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
60 Month HSA Certificates	3.494%	3.55%	60 Months
Min Deposit $500 Min Balance $500 Details Dividends compounded & credited monthly; penalty for early withdrawal; HSA Certificates Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 3.55% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
36 - 47 Month Certificates	3.445%	3.50%	36 - 47 Months
Min Deposit $500 Min Balance $500 Details Effective Date: 10/18/2026; Penalty for early withdrawal; Dividends compounded & credited monthly Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
36 - 47 Month HSA Certificates	3.445%	3.50%	36 - 47 Months
Min Deposit $500 Min Balance $500 Details Dividends compounded & credited monthly; penalty for early withdrawal; HSA Certificates Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
12 - 17 Month Certificates	3.397%	3.45%	12 - 17 Months
Min Deposit $500 Min Balance $500 Details Effective Date: 10/18/2026; Penalty for early withdrawal; Dividends compounded & credited monthly Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 3.45% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
12 - 17 Month HSA Certificates	3.397%	3.45%	12 - 17 Months
Min Deposit $500 Min Balance $500 Details Dividends compounded & credited monthly; penalty for early withdrawal; HSA Certificates Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 3.45% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
18 - 23 Month Certificates	3.397%	3.45%	18 - 23 Months
Min Deposit $500 Min Balance $500 Details Effective Date: 10/18/2026; Penalty for early withdrawal; Dividends compounded & credited monthly Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 3.45% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
18 - 23 Month HSA Certificates	3.397%	3.45%	18 - 23 Months
Min Deposit $500 Min Balance $500 Details Dividends compounded & credited monthly; penalty for early withdrawal; HSA Certificates Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 3.45% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
24 - 35 Month Certificates	3.348%	3.40%	24 - 35 Months
Min Deposit $500 Min Balance $500 Details Effective Date: 10/18/2026; Penalty for early withdrawal; Dividends compounded & credited monthly Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 3.40% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
24 - 35 Month HSA Certificates	3.348%	3.40%	24 - 35 Months
Min Deposit $500 Min Balance $500 Details Dividends compounded & credited monthly; penalty for early withdrawal; HSA Certificates Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 3.40% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
6 - 11 Month Certificates	3.348%	3.40%	6 - 11 Months
Min Deposit $500 Min Balance $500 Details Effective Date: 10/18/2026; Penalty for early withdrawal; Dividends compounded & credited monthly Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 3.40% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
6 - 11 Month HSA Certificates	3.348%	3.40%	6 - 11 Months
Min Deposit $500 Min Balance $500 Details Dividends compounded & credited monthly; penalty for early withdrawal; HSA Certificates Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 3.40% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%

Wildfire Credit Union Business CD Rates

Product	Rate	APY	Term
Business Jumbo Certificate Specials - 9 Month Special	4.034%	4.11%	9 Month
Min Balance $100,000 Details Effective Date: 10/18/2026; Dividends compounded & credited monthly; Penalty for early withdrawal Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 4.11% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
48 - 59 Month Business Jumbo Certificates	3.994%	4.07%	48 to 59 months
Min Balance $100,000 Details Effective Date: 10/18/2026; Dividends compounded & credited monthly; Penalty for early withdrawal Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 4.07% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
60 Month Business Jumbo Certificates	3.994%	4.07%	60 months
Min Balance $100,000 Details Effective Date: 10/18/2026; Dividends compounded & credited monthly; Penalty for early withdrawal Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 4.07% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
36 - 47 Month Business Jumbo Certificates	3.945%	4.02%	36 to 47 months
Min Balance $100,000 Details Effective Date: 10/18/2026; Dividends compounded & credited monthly; Penalty for early withdrawal Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 4.02% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Business Certificate Specials - 9 Month Special	3.784%	3.85%	9 Month
Min Deposit $500 Min Balance $500 Details Dividends compounded & credited monthly; penalty for early withdrawal; rates subject to change without notice Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 3.85% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
12 - 17 Month Business Jumbo Certificates	3.647%	3.71%	12 to 17 months
Min Balance $100,000 Details Effective Date: 10/18/2026; Dividends compounded & credited monthly; Penalty for early withdrawal Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 3.71% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
18 - 23 Month Business Jumbo Certificates	3.647%	3.71%	18 to 23 months
Min Balance $100,000 Details Effective Date: 10/18/2026; Dividends compounded & credited monthly; Penalty for early withdrawal Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 3.71% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
24 - 35 Month Business Jumbo Certificates	3.598%	3.66%	24 to 35 months
Min Balance $100,000 Details Effective Date: 10/18/2026; Dividends compounded & credited monthly; Penalty for early withdrawal Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 3.66% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
6 - 11 Month Business Jumbo Certificates	3.598%	3.66%	6 to 11 months
Min Balance $100,000 Details Effective Date: 10/18/2026; Dividends compounded & credited monthly; Penalty for early withdrawal Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 3.66% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
48 - 59 Month Business Certificates	3.494%	3.55%	48 - 59 Months
Min Deposit $500 Min Balance $500 Details Effective Date: 10/18/2026; Dividends compounded & credited monthly; penalty for early withdrawal Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 3.55% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
60 Month Business Certificates	3.494%	3.55%	60 Months
Min Deposit $500 Min Balance $500 Details Effective Date: 10/18/2026; Dividends compounded & credited monthly; penalty for early withdrawal Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 3.55% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
36 - 47 Month Business Certificates	3.445%	3.50%	36 - 47 Months
Min Deposit $500 Min Balance $500 Details Effective Date: 10/18/2026; Dividends compounded & credited monthly; penalty for early withdrawal Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
12 - 17 Month Business Certificates	3.397%	3.45%	12 - 17 Months
Min Deposit $500 Min Balance $500 Details Effective Date: 10/18/2026; Dividends compounded & credited monthly; penalty for early withdrawal Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 3.45% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
18 - 23 Month Business Certificates	3.397%	3.45%	18 - 23 Months
Min Deposit $500 Min Balance $500 Details Effective Date: 10/18/2026; Dividends compounded & credited monthly; penalty for early withdrawal Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 3.45% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
24 - 35 Month Business Certificates	3.348%	3.40%	24 - 35 Months
Min Deposit $500 Min Balance $500 Details Effective Date: 10/18/2026; Dividends compounded & credited monthly; penalty for early withdrawal Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 3.40% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
6 - 11 Month Business Certificates	3.348%	3.40%	6 - 11 Months
Min Deposit $500 Min Balance $500 Details Effective Date: 10/18/2026; Dividends compounded & credited monthly; penalty for early withdrawal Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 3.40% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%

Wildfire Credit Union Savings Rates

Product	Rate	APY
High-Yield Savings	2.08%	2.10%
Min Deposit $1,000 Min Balance $1,000,000 Details Balance: $1,000,000.00 and over; Dividends compounded & credited monthly; Effective 10/18/2026 Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 2.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
High-Yield Savings	1.884%	1.90%
Min Deposit $1,000 Min Balance $500,000 Details Balance: $500,000.00 - $999,999.99; Dividends compounded & credited monthly; Effective 10/18/2026 Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 1.90% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
High-Yield Savings	1.638%	1.65%
Min Deposit $1,000 Min Balance $250,000 Details Balance: $250,000.00 - $499,999.99; Dividends compounded & credited monthly; Effective 10/18/2026 Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 1.65% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
High-Yield Savings	1.49%	1.50%
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99; Dividends compounded & credited monthly; Effective 10/18/2026 Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
High-Yield Savings	1.342%	1.35%
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99; Dividends compounded & credited monthly; Effective 10/18/2026 Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 1.35% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
High-Yield Savings	1.193%	1.20%
Min Deposit $1,000 Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99; Dividends compounded & credited monthly; Effective 10/18/2026 Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 1.20% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
High-Yield Savings	1.094%	1.10%
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 - $24,999.99; Dividends compounded & credited monthly; Effective 10/18/2026 Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 1.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
IRA Savings - IRA Accounts	0.499%	0.50%
Min Deposit $0 Min Balance $0 Details Effective Date: 10/18/2026 - 12:00 A.M. EST; Dividends compounded and credited quarterly Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 0.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Health Savings Account (HSA)	0.26%	0.26%
Min Deposit $0 Min Balance $10,000 Details Balance: $10,000.00 and over; Effective Date: 10/18/2026 Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 0.26% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Health Savings Account (HSA)	0.24%	0.24%
Min Deposit $0 Min Balance $2,500 Details Balance: $2,500.00 - $9,999.99; Effective Date: 10/18/2026 Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 0.24% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Health Savings Account (HSA)	0.22%	0.22%
Min Deposit $0 Min Balance $1,000 Details Balance: $1,000.00 - $2,499.99; Effective Date: 10/18/2026 Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 0.22% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Health Savings Account (HSA)	0.20%	0.20%
Min Deposit $0 Min Balance $0 Details Balance: $0.00 - $999.99; Effective Date: 10/18/2026 Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Extra Savings	0.05%	0.05%
Min Deposit $0 Min Balance $0 Details Effective Date: 10/18/2026 - 12:00 A.M. EST; Dividends compounded & credited quarterly Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Membership Savings	0.05%	0.05%
Min Deposit $5 Min Balance $5 Details Effective Date: 10/18/2026; Dividends compounded & credited quarterly Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Scouts Savings Account	0.05%	0.05%
Min Deposit $5 Min Balance $5 Details Effective Date: 10/18/2026; Dividends compounded & credited quarterly; Minimum opening balance and to earn dividends: $5 Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%

Wildfire Credit Union Business Savings Rates

Product	Rate	APY
Business High-Yield Savings	2.08%	2.10%
Min Deposit $1,000 Min Balance $1,000,000 Details Balance: $1,000,000.00 and more; A minimum balance of $1,000 is required to open the account and earn the stated APY; Dividends compounded & credited monthly; Other restrictions apply Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 2.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Business High-Yield Savings	1.884%	1.90%
Min Deposit $1,000 Min Balance $500,000 Details Balance: $500,000.00 - $999,999.99; A minimum balance of $1,000 is required to open the account and earn the stated APY; Dividends compounded & credited monthly; Other restrictions apply Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 1.90% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Business High-Yield Savings	1.638%	1.65%
Min Deposit $1,000 Min Balance $250,000 Details Balance: $250,000.00 - $499,999.99; A minimum balance of $1,000 is required to open the account and earn the stated APY; Dividends compounded & credited monthly; Other restrictions apply Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 1.65% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Business High-Yield Savings	1.49%	1.50%
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99; A minimum balance of $1,000 is required to open the account and earn the stated APY; Dividends compounded & credited monthly; Other restrictions apply Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Business High-Yield Savings	1.342%	1.35%
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99; A minimum balance of $1,000 is required to open the account and earn the stated APY; Dividends compounded & credited monthly; Other restrictions apply Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 1.35% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Business High-Yield Savings	1.193%	1.20%
Min Deposit $1,000 Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99; A minimum balance of $1,000 is required to open the account and earn the stated APY; Dividends compounded & credited monthly; Other restrictions apply Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 1.20% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Business High-Yield Savings	1.094%	1.10%
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 - $24,999.99; A minimum balance of $1,000 is required to open the account and earn the stated APY; Dividends compounded & credited monthly; Other restrictions apply Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 1.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Business Extra Savings	0.05%	0.05%
Min Deposit $0 Min Balance $1 Details Effective Date: 10/18/2026 - 12:00 A.M. EST; Dividends compounded & credited quarterly; Minimum balance to earn dividends: $1 Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Business Membership Savings	0.05%	0.05%
Min Deposit $5 Min Balance $5 Details Effective Date: 10/18/2026; Dividends are compounded & credited quarterly Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%

Wildfire Credit Union Checking Rates

Product	Rate	APY	View More
Blaze Checking	4.889%	5.00%
Min Balance $0 Details Qualifications Required; Qualifying balance up to $10,000.00; Balance above $10,000 earns 0.100% APY; Effective 10/18/2026 Last Updated 10/19/2026 Rate History No change since Sep 29, 2026 · 5.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%

Wildfire Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Fixed Mortgage - 15 Year Fixed	7.125%	-	7.307%	15 Year
Details Effective Date: 10/18/2026 - 12:00 A.M. EST; APR (As low as) Last Updated 10/19/2026 Rate History 3 changes since Sep 14, 2026 · 6.61% → 7.31% ▲ 0.70 pts · high 7.31% / low 6.61% Oct 9, 20267.31%▲ from 7.08% Sep 29, 20267.08%▲ from 6.84% Sep 21, 20266.84%▲ from 6.61% Sep 14, 20266.61%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Fixed Mortgage - 10 Year Fixed	7.125%	-	7.38%	10 Year
Details Effective Date: 10/18/2026 - 12:00 A.M. EST; APR (As low as) Last Updated 10/19/2026 Rate History 3 changes since Sep 14, 2026 · 6.71% → 7.38% ▲ 0.67 pts · high 7.38% / low 6.71% Oct 9, 20267.38%▲ from 7.16% Sep 29, 20267.16%▲ from 6.80% Sep 21, 20266.80%▲ from 6.71% Sep 14, 20266.71%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Balloon Mortgage - 5-Year Balloon	7.125%	-	7.40%	5-Year
Details Balloon term: 5-Year; Amortization Period: 30 Years; Effective Date: 10/18/2026 Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 7.40% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Balloon Mortgage - 7-Year Balloon	7.25%	-	7.491%	7-Year
Details Balloon term: 7-Year; Amortization Period: 30 Years; Effective Date: 10/18/2026 Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 7.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Fixed Mortgage - 30 Year Fixed	7.50%	-	7.616%	30 Year
Details Effective Date: 10/18/2026 - 12:00 A.M. EST; APR (As low as) Last Updated 10/19/2026 Rate History 3 changes since Sep 14, 2026 · 7.03% → 7.62% ▲ 0.59 pts · high 7.62% / low 7.03% Oct 9, 20267.62%▲ from 7.51% Sep 29, 20267.51%▲ from 7.26% Sep 21, 20267.26%▲ from 7.03% Sep 14, 20267.03%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Fixed Mortgage - 20 Year Fixed	7.50%	-	7.65%	20 Year
Details Effective Date: 10/18/2026 - 12:00 A.M. EST; APR (As low as) Last Updated 10/19/2026 Rate History 3 changes since Sep 14, 2026 · 7.07% → 7.65% ▲ 0.58 pts · high 7.65% / low 7.07% Oct 9, 20267.65%▲ from 7.54% Sep 29, 20267.54%▲ from 7.18% Sep 21, 20267.18%▲ from 7.07% Sep 14, 20267.07%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Balloon Mortgage - 10-Year Balloon	7.50%	-	7.67%	10-Year
Details Balloon term: 10-Year; Amortization Period: 30 Years; Effective Date: 10/18/2026 Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 7.67% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%

Wildfire Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Line of Credit	7.00%	-	7.00%
Details As Low As; $5,000 minimum; $500,000 maximum; up to 90% of appraised value; 10 year draw period, 25 year amortization period; Maximum rate 18%; APR is variable Last Updated 10/19/2026 Rate History 1 change since Sep 18, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75% Oct 2, 20267.00%▲ from 6.75% Sep 18, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Home Equity Home Cash Equity Loan	7.00%	-	7.212%	20 year
Details Term: 20 year amortization; 5-year balloon; As Low As; Loan to Value: less than or equal to 80.00% Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 7.21% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Home Equity Home Cash Equity Loan	7.50%	-	7.724%	20 year
Details Term: 20 year amortization; 5-year balloon; As Low As; Loan to Value: greater than or equal to 80.00% to 90.00%; appraisal may be required Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 7.72% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%

Wildfire Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan - Autos 2018 - Newer	-	-	5.09%	12 to 60 Months
Details As Low As; Model Year: 2018 - Newer; Rates based on applicant(s) credit score; Effective 10/18/2026 Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 5.09% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Auto Loan - Autos Any Model Year	-	-	5.09%	12 to 48 Months
Details As Low As; Model Year: Any; Rates based on applicant(s) credit score; Effective 10/18/2026 Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 5.09% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Auto Loan - Autos 2021 - Newer	-	-	5.24%	61 to 72 Months
Details As Low As; Model Year: 2021 - Newer; Rates based on applicant(s) credit score; Effective 10/18/2026 Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 5.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Auto Loan - Autos 2022 - Newer	-	-	5.75%	73 to 84 Months
Details As Low As; Model Year: 2022 - Newer; Rates based on applicant(s) credit score; Effective 10/18/2026 Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 5.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%

Wildfire Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motorcycle Loan - Motorcycles 2018 - Newer	-	5.09%	12 to 60 Months
Details As Low As; Based on maximum term; Rates based on applicant(s) credit score; Credit terms may require up to a 20% down payment Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 5.09% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Motorcycle Loan - Motorcycles Any Model Year	-	5.09%	12 to 48 Months
Details As Low As; Based on maximum term; Rates based on applicant(s) credit score; Credit terms may require up to a 20% down payment Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 5.09% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Motorcycle Loan - Motorcycles 2021 - Newer	-	5.24%	61 to 72 Months
Details As Low As; Based on maximum term; Rates based on applicant(s) credit score; Credit terms may require up to a 20% down payment Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 5.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Motorcycle Loan - Motorcycles 2022 - Newer	-	5.75%	73 to 84 Months
Details As Low As; Based on maximum term; Rates based on applicant(s) credit score; Credit terms may require up to a 20% down payment Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 5.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Boat/RV Loan - Up to 60 Months	-	6.49%	Up to 60 Months
Details As Low As; Based on maximum term; Rates based on applicant(s) credit score; Credit terms may require a maximum 20% down payment Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 6.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Boat/RV Loan - 61 to 84 Months	-	6.63%	61 to 84 Months
Details As Low As; Based on maximum term; Rates based on applicant(s) credit score; Credit terms may require a maximum 20% down payment Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 6.63% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Boat/RV Loan - 85 to 120 Months	-	6.99%	85 to 120 Months
Details As Low As; Based on maximum term; Rates based on applicant(s) credit score; Credit terms may require a maximum 20% down payment Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 6.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Boat/RV Loan - 121 to 180 Months	-	7.24%	121 to 180 Months
Details As Low As; Based on maximum term; Rates based on applicant(s) credit score; Credit terms may require a maximum 20% down payment Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 7.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%

Wildfire Credit Union Credit Card Rates

Product	Rate	APR
Commercial Visa	-	10.99%
No additional details. Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 10.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Visa Personal Credit Card	-	10.99%
Details Rates are based on the applicant(s) credit score Last Updated 10/19/2026 Rate History 2 changes since Sep 14, 2026 · 10.99% → 10.99% ▼ 0.00 pts · high 19.99% / low 10.99% Oct 9, 202610.99%▼ from 19.99% Sep 29, 202619.99%▲ from 10.99% Sep 14, 202610.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Visa Signature Credit Card	-	15.24%
Details Variable rate that may change with market; Rates are based on the applicant(s) credit score Last Updated 10/19/2026 Rate History 2 changes since Sep 14, 2026 · 15.24% → 15.24% ▼ 0.00 pts · high 19.99% / low 15.24% Oct 9, 202615.24%▼ from 19.99% Sep 29, 202619.99%▲ from 15.24% Sep 14, 202615.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Visa Business Platinum	-	22.99%
Details Variable Rate that may change with market Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 22.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%

Wildfire Credit Union Personal Loan Rates

Product	APR	Term
Personal Loan	10.99%	Up to 60 Months
Details As Low As; Based on maximum term; Rates based on applicant's credit score Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 10.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Visa Personal Credit Card	10.99%
Details Rates are based on the applicant(s) credit score Last Updated 10/19/2026 Rate History 2 changes since Sep 14, 2026 · 10.99% → 10.99% ▼ 0.00 pts · high 19.99% / low 10.99% Oct 9, 202610.99%▼ from 19.99% Sep 29, 202619.99%▲ from 10.99% Sep 14, 202610.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Debt Consolidation Loan	11.49%	Up to 84 Months
Details As Low As; Based on maximum term; Rates based on applicant's credit score Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 11.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Visa Signature Credit Card	15.24%
Details Variable rate that may change with market; Rates are based on the applicant(s) credit score Last Updated 10/19/2026 Rate History 2 changes since Sep 14, 2026 · 15.24% → 15.24% ▼ 0.00 pts · high 19.99% / low 15.24% Oct 9, 202615.24%▼ from 19.99% Sep 29, 202619.99%▲ from 15.24% Sep 14, 202615.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%

Wildfire Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Prestige Line of Credit	-	-	8.90%
Details Personal Lines of Credit Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 8.90% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Qwik Check Line of Credit	-	-	12.60%
Details Personal Lines of Credit Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 12.60% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Jumbo Certificates - 60 months	3.994%	-	4.07%	60 months
Min Balance $100,000 Details Effective Date: 10/18/2026; Dividends compounded & credited monthly; Penalty for early withdrawal Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 4.07% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Youth Certificates - 12 Month	3.647%	-	3.71%	12 Month
Min Balance $100 Details Must be 25 or younger; $100 minimum balance; $2,000 maximum deposit; deposits in $50 increments; up to 10 Youth CDs per youth account; APY will vary depending on the initial certificate deposit amount; penalty for early withdrawal; Effective Date: 10/18/2026 Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 3.71% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%

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

Wildfire Credit Union’s Texas Ratio rose from 1.28% in Q3 2023 to 3.16% 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	$1.2B	3.16%	5.0	A+
March 31, 2026	$1.2B	2.57%	5.0	A+
December 31, 2025	$1.2B	3.06%	5.0	A+
September 30, 2025	$1.2B	3.64%	5.0	A+
June 30, 2025	$1.1B	3.81%	5.0	A+
March 31, 2025	$1.1B	2.41%	5.0	A+
December 31, 2024	$1.1B	2.92%	5.0	A+
September 30, 2024	$1.1B	2.46%	5.0	A+
June 30, 2024	$1.1B	2.11%	5.0	A+
March 31, 2024	$1.1B	1.26%	5.0	A+
December 31, 2023	$1.1B	1.57%	5.0	A+
September 30, 2023	$1.0B	1.28%	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 Wildfire 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 Wildfire 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 Wildfire Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Wildfire Credit Union

Website https://www.wildfirecu.org

Address 6640 Bay Rd, Saginaw, MI 48604

Phone 989-249-8200

Fax

President Kenneth Voelker

CEO Benjamin Denay

Full-Time Employees 196

Part-Time Employees 20

Branch Locations 7

ATM Locations 4

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

3.16%

Return on Assets (ROA)

0.2938%

Return on Equity (ROE)

2.6820%

Non-Performing Loans Ratio (NPL)

0.60%

Total Assets

1,203,482,017

Total Amount of Shares and Deposits

1,067,544,000

Total Shares and Deposits < 1 Year

883,316,330

Total Shares and Deposits 1 3 Years

141,248,801

Total Shares and Deposits > 3 Years

42,978,869

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

116,633,041

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

116,633,041

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

950,910,959

Total Interest Expense (Sum of items 6 8)

11,947,923

Share Certificates

11,424

Number of Accounts for Share Drafts

35,804

IRA KEOGH Accounts

3,275

Number of Accounts for Regular Shares

67,949

All other shares

3,053

Money Market Shares

4,866

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

3,535,879

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)

64,867,043

Total Liabilities

1,075,025,125

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Wildfire Credit Union earned the Verified Healthy 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.

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Wildfire Credit Union

Does Wildfire Credit Union offer CDs?

Yes. Wildfire Credit Union offers share certificates (CDs) with fixed interest rates across multiple term lengths. Its current CD rates, verified by MonitorBankRates, are listed on this page.

Are CDs from Wildfire Credit Union NCUA insured?

Yes. Wildfire Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Wildfire Credit Union?

The highest CD rate MonitorBankRates has verified for Wildfire Credit Union is 4.11% APY on its 9 Month Jumbo CD Specials, as of October 19, 2026.

What CD terms does Wildfire Credit Union offer?

The Wildfire Credit Union CD terms we track include 9 month, 12 month, 18 month, 2 year, 59 month and 5 year terms, with rates from 4.07% to 4.11% APY. The institution may offer other terms or specials that are not listed here, so check with Wildfire Credit Union for its full lineup.

What is the highest savings rate at Wildfire Credit Union?

The highest savings rate MonitorBankRates has verified for Wildfire Credit Union is 2.10% APY on its Business High-Yield Savings, as of October 19, 2026.

What is the highest checking rate at Wildfire Credit Union?

The highest checking rate MonitorBankRates has verified for Wildfire Credit Union is 5.00% APY on its Blaze Checking, as of October 19, 2026.

What is the lowest 30 year fixed mortgage rate at Wildfire Credit Union?

The lowest 30 year fixed mortgage rate MonitorBankRates has verified for Wildfire Credit Union is 7.50% rate on its Fixed Mortgage - 30 Year Fixed, as of October 19, 2026.

What is the lowest auto loan rate at Wildfire Credit Union?

The lowest auto loan rate MonitorBankRates has verified for Wildfire Credit Union is 5.09% APR on its Auto Loan - Autos 2018 - Newer, as of October 19, 2026.

What is the lowest personal loan rate at Wildfire Credit Union?

The lowest personal loan rate MonitorBankRates has verified for Wildfire Credit Union is 10.99% APR on its Personal Loan, as of October 19, 2026.

What is the lowest credit card APR at Wildfire Credit Union?

The lowest credit card rate MonitorBankRates has verified for Wildfire Credit Union is 10.99% APR on its Commercial Visa Credit Card, as of October 19, 2026.

How many branches does Wildfire Credit Union operate?

Wildfire 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 Wildfire Credit Union?

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

Does Wildfire Credit Union offer online and mobile banking?

Most modern institutions like Wildfire 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.wildfirecu.org.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Wildfire Credit Union rates compare?

Wildfire Credit Union's top rates are 4.11% APY on its 9 Month Jumbo CD Specials, 2.10% APY on savings, 5.00% APY on checking, 7.125% on its Fixed Mortgage - 15 Year Fixed, personal loans from 10.99% APR and credit cards from 10.99% APR, verified by MonitorBankRates on October 19, 2026. To compare Wildfire Credit Union with the top rates nationwide, see our best CD rates, best savings rates, best mortgage rates and best checking rates, updated daily from banks and credit unions across the country.

Current Wildfire Credit Union Rates

12-Month CD3.40%
18-Month CD3.45%
24-Month CD3.45%
60-Month CD3.55%
Savings2.10%

Retrieved from our database of financial products. Rates subject to change.

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Wildfire Credit Union Rates & Review October 2026

Brian McKay

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Wildfire Credit Union Business Savings Rates

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Wildfire Credit Union Home Equity & HELOC

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Frequently Asked Questions About Wildfire Credit Union

Does Wildfire Credit Union offer CDs?

Are CDs from Wildfire Credit Union NCUA insured?

What is the highest CD rate at Wildfire Credit Union?

What CD terms does Wildfire Credit Union offer?

What is the highest savings rate at Wildfire Credit Union?

What is the highest checking rate at Wildfire Credit Union?

What is the lowest 30 year fixed mortgage rate at Wildfire Credit Union?

What is the lowest auto loan rate at Wildfire Credit Union?

What is the lowest personal loan rate at Wildfire Credit Union?

What is the lowest credit card APR at Wildfire Credit Union?

How many branches does Wildfire Credit Union operate?

Is a member application needed to join Wildfire Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Wildfire Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Wildfire Credit Union rates compare?

Current Wildfire Credit Union Rates

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