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Blair County Federal Credit Union Rates & Review November 2026

Blair County Federal Credit Union's Personal Loan Rates are as low as 9.49%. MonitorBankRates evaluates the financial stability of Blair County Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.25%. Rates last updated and verified on 10/30/2026.

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

Ranked #74 in MonitorBankRates Top 100 Healthiest Small Credit Unions 2026 Ranked #74 Healthiest 2026 Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 100/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
0.25%
Excellent Lower than avg
Health Trend ?
Very strong 12 quarters
Full history ›
Blair County Federal Credit Union
Blair County Federal Credit Union
3001 6th Ave
Altoona, PA 16602-1918
http://www.blairctyfcu.org
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.

Blair County Federal Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity Loan - 1st Position - Up to 60 months - - 4.99% Up to 60 months
Details Home Equity Loans; 1st Position lien; Home Equity Loan Applications are available thru the office. NMLS #528170. Call for complete details.
Last Updated 10/30/2026
Rate History
1 change since Sep 14, 2026 · 4.49% → 4.99% ▲ 0.50 pts · high 4.99% / low 4.49%
3.99%4.74%5.49%Sep 14, 2026: 4.49% APROct 1, 2026: 4.99% APRSep 14, 2026Nov 2, 2026
  • Oct 1, 20264.99%▲ from 4.49%
  • Sep 14, 20264.49%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.25%
Home Equity Loan - 2nd Position - Up to 60 months - - 4.99% Up to 60 months
Details Home Equity Loans; 2nd Position lien; Home Equity Loan Applications are available thru the office. NMLS #528170. Call for complete details.
Last Updated 10/30/2026
Rate History
1 change since Sep 14, 2026 · 4.49% → 4.99% ▲ 0.50 pts · high 4.99% / low 4.49%
3.99%4.74%5.49%Sep 14, 2026: 4.49% APROct 1, 2026: 4.99% APRSep 14, 2026Nov 2, 2026
  • Oct 1, 20264.99%▲ from 4.49%
  • Sep 14, 20264.49%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.25%
Home Equity Loan - 1st Position - 61 to 120 months - - 5.24% 61 to 120 months
Details Home Equity Loans; 1st Position lien; Home Equity Loan Applications are available thru the office. NMLS #528170. Call for complete details.
Last Updated 10/30/2026
Rate History
No change since Sep 14, 2026 · 5.24% APR · checked 9 times
4.74%5.24%5.74%Sep 14, 2026: 5.24% APRSep 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.25%
Home Equity Loan - 1st Position - 121 to 180 months - - 5.74% 121 to 180 months
Details Home Equity Loans; 1st Position lien; Home Equity Loan Applications are available thru the office. NMLS #528170. Call for complete details.
Last Updated 10/30/2026
Rate History
No change since Sep 14, 2026 · 5.74% APR · checked 9 times
5.24%5.74%6.24%Sep 14, 2026: 5.74% APRSep 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.25%
Home Equity Loan - 2nd Position - 61 to 120 months - - 6.24% 61 to 120 months
Details Home Equity Loans; 2nd Position lien; Home Equity Loan Applications are available thru the office. NMLS #528170. Call for complete details.
Last Updated 10/30/2026
Rate History
No change since Sep 14, 2026 · 6.24% APR · checked 9 times
5.74%6.24%6.74%Sep 14, 2026: 6.24% APRSep 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.25%
Home Equity Loan - 2nd Position - 121 to 180 months - - 6.74% 121 to 180 months
Details Home Equity Loans; 2nd Position lien; Home Equity Loan Applications are available thru the office. NMLS #528170. Call for complete details.
Last Updated 10/30/2026
Rate History
No change since Sep 14, 2026 · 6.74% APR · checked 9 times
6.24%6.74%7.24%Sep 14, 2026: 6.74% APRSep 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.25%

Blair County Federal Credit Union Auto Loan Rates

Product Rate Points APR Term View More
Auto Loan - New 2025 to 2026 - - 4.74% Up to 60 Months
Details As Low As; Rates as low as, based on credit score
Last Updated 10/30/2026
Rate History
No change since Oct 14, 2026 · 4.74% APR · checked 4 times
4.24%4.74%5.24%Oct 14, 2026: 4.74% APROct 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.25%
Auto Loan - New 2025 to 2026 - - 5.24% 61 to 72 Months
Details As Low As; Rates as low as, based on credit score
Last Updated 10/30/2026
Rate History
No change since Oct 14, 2026 · 5.24% APR · checked 4 times
4.74%5.24%5.74%Oct 14, 2026: 5.24% APROct 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.25%
Auto Loan - Used 2024 to 2026 - - 5.49% Up to 72 Months
Details As Low As; Rates as low as, based on credit score
Last Updated 10/30/2026
Rate History
No change since Oct 14, 2026 · 5.49% APR · checked 4 times
4.99%5.49%5.99%Oct 14, 2026: 5.49% APROct 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.25%
Auto Loan - New 2025 to 2026 - - 5.99% 73 to 84 Months
Details As Low As; Rates as low as, based on credit score
Last Updated 10/30/2026
Rate History
No change since Oct 14, 2026 · 5.99% APR · checked 4 times
5.49%5.99%6.49%Oct 14, 2026: 5.99% APROct 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.25%
Auto Loan - Used 2022 to 2023 - - 5.99% Up to 66 Months
Details As Low As; Rates as low as, based on credit score
Last Updated 10/30/2026
Rate History
No change since Oct 14, 2026 · 5.99% APR · checked 4 times
5.49%5.99%6.49%Oct 14, 2026: 5.99% APROct 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.25%
Auto Loan - Used 2019 to 2021 - - 6.49% Up to 60 Months
Details As Low As; Rates as low as, based on credit score
Last Updated 10/30/2026
Rate History
No change since Oct 14, 2026 · 6.49% APR · checked 4 times
5.99%6.49%6.99%Oct 14, 2026: 6.49% APROct 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.25%
Auto Loan - Used 2016 to 2018 - - 7.49% Up to 48 Months
Details As Low As; Rates as low as, based on credit score
Last Updated 10/30/2026
Rate History
No change since Oct 14, 2026 · 7.49% APR · checked 4 times
6.99%7.49%7.99%Oct 14, 2026: 7.49% APROct 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.25%

Blair County Federal Credit Union RV, Boat and Powersport Loan Rates

Product Rate APR Term View More
New Motorcycle Loan - 7.49%
Details As Low As; Rates as low as, based on credit score
Last Updated 10/30/2026
Rate History
No change since Sep 14, 2026 · 7.49% APR · checked 11 times
6.99%7.49%7.99%Sep 14, 2026: 7.49% APRSep 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.25%
Used Motorcycle Loan - 7.99%
Details As Low As; Rates as low as, based on credit score
Last Updated 10/30/2026
Rate History
No change since Sep 14, 2026 · 7.99% APR · checked 11 times
7.49%7.99%8.49%Sep 14, 2026: 7.99% APRSep 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.25%
RV Loans - New Camper & Boats - 8.50%
Details As Low As; RV Loans, New Camper & Boats
Last Updated 10/30/2026
Rate History
No change since Oct 14, 2026 · 8.50% APR · checked 4 times
8.00%8.50%9.00%Oct 14, 2026: 8.50% APROct 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.25%
RV Loans - Used Camper & Boats - 8.50%
Details As Low As; RV Loans, Used Camper & Boats
Last Updated 10/30/2026
Rate History
No change since Oct 14, 2026 · 8.50% APR · checked 4 times
8.00%8.50%9.00%Oct 14, 2026: 8.50% APROct 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.25%

Blair County Federal Credit Union Personal Loan Rates

Product APR Term View More
Signature Loan 9.49%
Details up to $15,000.00; As Low As; Signature Loans; Rates, amount, and term based on credit score
Last Updated 10/30/2026
Rate History
No change since Sep 14, 2026 · 9.49% APR · checked 11 times
8.99%9.49%9.99%Sep 14, 2026: 9.49% APRSep 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.25%

Blair County Federal Credit Union Other Rates

Product Rate Points APY/APR Term View More
Credit Builder Loan - - 17.99%
Details Loan amount $1,000.00; Rates, amount, and term based on credit score
Last Updated 10/30/2026
Rate History
No change since Sep 14, 2026 · 17.99% APR · checked 11 times
17.49%17.99%18.49%Sep 14, 2026: 17.99% APRSep 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.25%

Financial Health History

Blair County Federal Credit Union’s Texas Ratio stayed near 0.27% in Q3 2023 to 0.25% 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★ 0.3% 2.0★ 0.5% 3.0★ 0.8% 4.0★ 1% 5.0★ Healthy zone – entire history below the 15% limit 0.27% 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 0.25% 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$78M0.25%5.0A+
March 31, 2026$77M0.18%5.0A+
December 31, 2025$75M0.21%5.0A+
September 30, 2025$74M0.23%5.0A+
June 30, 2025$73M0.24%5.0A+
March 31, 2025$74M0.16%5.0A+
December 31, 2024$71M0.51%5.0A+
September 30, 2024$70M0.26%5.0A+
June 30, 2024$70M0.11%5.0A+
March 31, 2024$71M0.25%5.0A+
December 31, 2023$68M0.68%5.0A+
September 30, 2023$68M0.27%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 Blair County 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 Blair County 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 Blair County Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Blair County Federal Credit Union
Address 3001 6th Ave, Altoona, PA 16602-1918
Phone 814-944-2821
Fax 814-944-4291
President W.Stuart Sellers
CEO Tammy Jackson
Full-Time Employees 9
Part-Time Employees 0
Branch Locations 1
ATM Locations 1
NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.25%
Return on Assets (ROA)
1.1607%
Return on Equity (ROE)
5.1012%
Non-Performing Loans Ratio (NPL)
0.40%
Total Assets
77,990,582
Total Amount of Shares and Deposits
60,169,560
Total Shares and Deposits < 1 Year
59,859,600
Total Shares and Deposits 1 3 Years
309,960
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
1,126,841
Total Uninsured Shares and Deposits > $250K (F+J)
1,126,841
Total Insured Shares and Deposits > $250K (item 17 less item K)
59,042,719
Total Interest Expense (Sum of items 6 8)
129,042
Share Certificates
416
Number of Accounts for Share Drafts
2,879
IRA KEOGH Accounts
110
Number of Accounts for Regular Shares
5,290
Money Market Shares
74
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)
13,905,270
Total Liabilities
60,245,577
Source: NCUA — Last Updated 06/30/2026
Ranked #74 in MonitorBankRates Top 100 Healthiest Small Credit Unions 2026
2026 MBR Health & Safety Badge

Blair County Federal Credit Union earned the Top 100 Healthiest 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. Rankings are updated every quarter, and this profile page always shows the latest results, so the code never needs to change.

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       alt="Ranked #74 in MonitorBankRates Top 100 Healthiest Small Credit Unions 2026"
       width="160" height="160">
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Learn more about the MBR Health & Safety Badge program on our methodology page, or view the full Top 100 Healthiest Small Credit Unions 2026 ranking.

Customer Reviews

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Frequently Asked Questions About Blair County Federal Credit Union

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

The lowest Blair County Federal Credit Union auto loan rate is its Auto Loan - New 2025 to 2026 at 4.74% APR, verified by MonitorBankRates as of October 30, 2026.

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

The lowest Blair County Federal Credit Union personal loan rate is its Signature Loan at 9.49% APR, verified by MonitorBankRates as of October 30, 2026.

How many branches does Blair County Federal Credit Union operate?

Blair County 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 Blair County Federal Credit Union?

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

Does Blair County Federal Credit Union offer online and mobile banking?

Most modern institutions like Blair County 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: http://www.blairctyfcu.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 Blair County Federal Credit Union rates compare?

Blair County Federal Credit Union's top rate is its Signature Loan at 9.49% APR, verified by MonitorBankRates on October 30, 2026.