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Blackhawk Federal Credit Union Rates & Review November 2026

Blackhawk Federal Credit Union's Personal Loan Rates are as low as 8.50%. Blackhawk Federal Credit Union's Credit Card Rates are at 14.00%. MonitorBankRates evaluates the financial stability of Blackhawk Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.37%. Rates last updated and verified on 10/29/2026.

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

MonitorBankRates Verified Healthy Badge 2026 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 ?
3.37%
Excellent Lower than avg
Health Trend ?
Very strong 12 quarters
Full history ›
Blackhawk Federal Credit Union
Blackhawk Federal Credit Union
2358 Darlington RD
Beaver Falls, PA 15010
https://www.bfcu.net
Member NCUA
Customer Reviews
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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.

Blackhawk Federal Credit Union Savings Rates

Product Rate APY View More
Regular Share Account - 0.25%
Details Rates effective as of May 1, 2026; APY for Regular Share Accounts (x1)
Last Updated 10/29/2026
Rate History
No change since Oct 15, 2026 · 0.25% APY · checked 3 times
0.00%0.38%0.75%Oct 15, 2026: 0.25% APYOct 15, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.37%

Blackhawk Federal Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity Line of Credit - Limited - - 5.89% 120 Months
Details Fixed APR for Loan to Value (LTV) up to 85%; 10-year repayment period from date of last advance; minimum draw $500.00; Home Equity/Primary Residence; Closing in first 12 months requires $500 flat fee
Last Updated 10/29/2026
Rate History
No change since Oct 15, 2026 · 5.89% APR · checked 3 times
5.39%5.89%6.39%Oct 15, 2026: 5.89% APROct 15, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.37%

Blackhawk Federal Credit Union Auto Loan Rates

Product Rate Points APR Term View More
Vehicle Loan - New Model Special - - 5.59% 60 Months
Details Model Year: 2025-2026; Effective as of July 1, 2026
Last Updated 10/29/2026
Rate History
No change since Oct 15, 2026 · 5.59% APR · checked 3 times
5.09%5.59%6.09%Oct 15, 2026: 5.59% APROct 15, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.37%
Vehicle Loan - New Model Special - - 5.89% 72 Months
Details Model Year: 2025-2026; Effective as of July 1, 2026
Last Updated 10/29/2026
Rate History
No change since Oct 15, 2026 · 5.89% APR · checked 3 times
5.39%5.89%6.39%Oct 15, 2026: 5.89% APROct 15, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.37%
Vehicle Loan - Used/4 Years Special - - 6.25% 60 Months
Details Model Year: 2021-2024; Effective as of July 1, 2026
Last Updated 10/29/2026
Rate History
No change since Oct 15, 2026 · 6.25% APR · checked 3 times
5.75%6.25%6.75%Oct 15, 2026: 6.25% APROct 15, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.37%
Vehicle Loan - New Model Special - - 6.49% 84 Months
Details Model Year: 2025-2026; Effective as of July 1, 2026
Last Updated 10/29/2026
Rate History
No change since Oct 15, 2026 · 6.49% APR · checked 3 times
5.99%6.49%6.99%Oct 15, 2026: 6.49% APROct 15, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.37%
Vehicle Loan - Used/4 Years Special - - 6.50% 72 Months
Details Model Year: 2021-2024; Effective as of July 1, 2026
Last Updated 10/29/2026
Rate History
No change since Oct 15, 2026 · 6.50% APR · checked 3 times
6.00%6.50%7.00%Oct 15, 2026: 6.50% APROct 15, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.37%
Vehicle Loan - Used/4 Years Special - - 6.99% 84 Months
Details Model Year: 2021-2024; Effective as of July 1, 2026
Last Updated 10/29/2026
Rate History
No change since Oct 15, 2026 · 6.99% APR · checked 3 times
6.49%6.99%7.49%Oct 15, 2026: 6.99% APROct 15, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.37%

Blackhawk Federal Credit Union RV, Boat and Powersport Loan Rates

Product Rate APR Term View More
Motorcycle Loan - Used/New - 8.25% 72 Months
Details Model Year: 2024-2026; Effective as of July 1, 2026
Last Updated 10/29/2026
Rate History
No change since Oct 23, 2026 · 8.25% APR · checked 2 times
7.75%8.25%8.75%Oct 23, 2026: 8.25% APROct 23, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.37%
Motorcycle Loan - Used - 8.75% 72 Months
Details Model Year: 2022-2023; Effective as of July 1, 2026
Last Updated 10/29/2026
Rate History
No change since Oct 23, 2026 · 8.75% APR · checked 2 times
8.25%8.75%9.25%Oct 23, 2026: 8.75% APROct 23, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.37%
Motorcycle Loan - Used - 9.00% 60 Months
Details Model Year: 2021 and older; Effective as of July 1, 2026
Last Updated 10/29/2026
Rate History
No change since Oct 23, 2026 · 9.00% APR · checked 2 times
8.50%9.00%9.50%Oct 23, 2026: 9.00% APROct 23, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.37%

Blackhawk Federal Credit Union Credit Card Rates

Product Rate APR View More
BFCU VISA Credit Card - 14.00%
Details Credit limits up to $10,000; 25-day grace period on purchases; No annual fee
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 14.00% APR · checked 12 times
13.50%14.00%14.50%Sep 14, 2026: 14.00% APRSep 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.37%

Blackhawk Federal Credit Union Personal Loan Rates

Product APR Term View More
Signature Loan 8.50% 12 Months
Details Up to $10,000; Effective as of July 1, 2026
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 8.50% APR · checked 10 times
8.00%8.50%9.00%Sep 14, 2026: 8.50% APRSep 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.37%
Signature Loan 9.50% 24 Months
Details Up to $10,000; Effective as of July 1, 2026
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 9.50% APR · checked 10 times
9.00%9.50%10.00%Sep 14, 2026: 9.50% APRSep 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.37%
Signature Loan 10.50% 36 Months
Details Up to $10,000; Effective as of July 1, 2026
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 10.50% APR · checked 10 times
10.00%10.50%11.00%Sep 14, 2026: 10.50% APRSep 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.37%
Signature Loan 11.50% 48 Months
Details Up to $10,000; Effective as of July 1, 2026
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 11.50% APR · checked 10 times
11.00%11.50%12.00%Sep 14, 2026: 11.50% APRSep 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.37%
Signature Loan 12.50% 60 Months
Details Up to $10,000; Effective as of July 1, 2026
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 12.50% APR · checked 10 times
12.00%12.50%13.00%Sep 14, 2026: 12.50% APRSep 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.37%

Blackhawk Federal Credit Union Other Rates

Product Rate Points APY/APR Term View More
Educational Loan - Special - - 5.00% 120 Months
Details Up to $10K; Effective as of July 1, 2026
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 5.00% APR · checked 5 times
4.50%5.00%5.50%Sep 14, 2026: 5.00% APRSep 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.37%
IRA Account - - 0.80%
Min Deposit $5
Details Rates effective as of May 1, 2026; APY for IRA Accounts (x8); Maximum deposit annually of $5,000.00
Last Updated 10/29/2026
Rate History
No change since Oct 23, 2026 · 0.80% APY · checked 2 times
0.30%0.80%1.30%Oct 23, 2026: 0.80% APYOct 23, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.37%

Financial Health History

Blackhawk Federal Credit Union’s Texas Ratio rose from 1.13% in Q3 2023 to 3.37% 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.

0% 1.0★ 1.3% 2.0★ 2.6% 3.0★ 3.9% 4.0★ 5.3% 5.0★ Healthy zone – entire history below the 15% limit 1.13% A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 A+ Q1 2026 3.37% A+ Q2 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 Grade
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
June 30, 2026$15M3.37%5.0A+
March 31, 2026$15M3.89%5.0A+
December 31, 2025$15M2.59%5.0A+
September 30, 2025$15M0.00%5.0A+
June 30, 2025$15M3.34%5.0A+
March 31, 2025$15M0.04%5.0A+
December 31, 2024$15M2.25%5.0A+
September 30, 2024$15M1.06%5.0A+
June 30, 2024$15M1.08%5.0A+
March 31, 2024$15M2.67%5.0A+
December 31, 2023$15M0.00%5.0A+
September 30, 2023$15M1.13%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 Blackhawk 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 Blackhawk 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 Blackhawk Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Blackhawk Federal Credit Union
Address 2358 Darlington RD, Beaver Falls, PA 15010
Phone 724-846-7929
Fax 724-847-7618
President Brian Farkas
CEO Christine Ozenich
Full-Time Employees 4
Part-Time Employees 1
Branch Locations 1
ATM Locations 0
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
3.37%
Return on Assets (ROA)
0.3474%
Return on Equity (ROE)
2.0653%
Non-Performing Loans Ratio (NPL)
1.45%
Total Assets
15,054,576
Total Amount of Shares and Deposits
12,433,404
Total Shares and Deposits < 1 Year
12,117,471
Total Shares and Deposits 1 3 Years
315,933
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
177,583
Total Uninsured Shares and Deposits > $250K (F+J)
177,583
Total Insured Shares and Deposits > $250K (item 17 less item K)
12,255,821
Total Interest Expense (Sum of items 6 8)
34,816
Share Certificates
95
Number of Accounts for Share Drafts
454
IRA KEOGH Accounts
36
Number of Accounts for Regular Shares
1,476
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)
1,249,477
Total Liabilities
12,522,524
Source: NCUA — Last Updated 06/30/2026
MonitorBankRates Verified Healthy Badge 2026
2026 MBR Health & Safety Badge

Blackhawk Federal 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.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.

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       alt="MonitorBankRates Verified Healthy Badge 2026"
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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About Blackhawk Federal Credit Union

What is the lowest auto loan rate at Blackhawk Federal Credit Union?

The lowest Blackhawk Federal Credit Union auto loan rate is its Vehicle Loan - New Model Special at 5.59% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest personal loan rate at Blackhawk Federal Credit Union?

The lowest Blackhawk Federal Credit Union personal loan rate is its Signature Loan at 8.50% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest credit card APR at Blackhawk Federal Credit Union?

The lowest Blackhawk Federal Credit Union credit card APR is its BFCU VISA Credit Card at 14.00% APR, verified by MonitorBankRates as of October 29, 2026.

How many branches does Blackhawk Federal Credit Union operate?

Blackhawk 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 Blackhawk Federal Credit Union?

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

Does Blackhawk Federal Credit Union offer online and mobile banking?

Most modern institutions like Blackhawk 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.bfcu.net.

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 Blackhawk Federal Credit Union rates compare?

Blackhawk Federal Credit Union's top rates are its Signature Loan at 8.50% APR and its BFCU VISA Credit Card at 14.00% APR, verified by MonitorBankRates on October 29, 2026.