|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 C-B-W Schools Federal Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 29, 2026
C-B-W Schools Federal Credit Union's 12 month High Yield - 1 Year CD rates are at 3.95%, 12 month 1 Year CD - Non Compounding rates are at 3.75%, 12 month 1 Year Compounding CD rates are at 3.75%, 24 month 2 Year CD rates are at 3.50%, 36 month 3 Year CD rates are at 3.50%. C-B-W Schools Federal Credit Union's checking rates are as high as 0.01%. C-B-W Schools Federal Credit Union's 1st Lien Mortgage Loans (10 to 15 years) rates are at 5.65%, 1st Lien Mortgage Loans (15 to 20 years) rates are at 5.90%. C-B-W Schools Federal Credit Union's Personal Loan Rates are as low as 9.90%. C-B-W Schools Federal Credit Union's CD rates are 8% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of C-B-W Schools Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.23%. Rates last updated and verified on 10/29/2026. C-B-W Schools 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 C-B-W Schools Federal Credit Union? Share your experience about C-B-W Schools Federal Credit Union by leaving a review below, or read customer reviews before you decide to use C-B-W Schools Federal Credit Union. C-B-W Schools Federal Credit Union
C-B-W Schools Federal Credit Union PO Box 400
https://www.cbwsfcu.org Sidman, PA 15955-0400  Customer Reviews
Be the first to review
Write a Review
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. C-B-W Schools Federal Credit Union CD Rates
C-B-W Schools Federal Credit Union Savings Rates
C-B-W Schools Federal Credit Union Checking Rates
C-B-W Schools Federal Credit Union Mortgage Rates
C-B-W Schools Federal Credit Union Home Equity & HELOC
C-B-W Schools Federal Credit Union Auto Loan Rates
C-B-W Schools Federal Credit Union Personal Loan Rates
C-B-W Schools Federal Credit Union Other Rates
Financial Health HistoryC-B-W Schools Federal Credit Union’s Texas Ratio stayed near 0.00% in Q3 2023 to 0.23% 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
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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for C-B-W Schools 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 C-B-W Schools 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 C-B-W Schools Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
C-B-W Schools Federal Credit Union
Website
https://www.cbwsfcu.org
Address
PO Box 400,
Sidman, PA 15955-0400
Phone
814-487-5714
Fax
814-487-4997
President
James Roccio
CEO
Ryan Glista
Full-Time Employees
9
Part-Time Employees
2
Branch Locations
2
ATM Locations
0
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.23%
Return on Assets (ROA)
0.6170%
Return on Equity (ROE)
2.0719%
Non-Performing Loans Ratio (NPL)
0.33%
Total Assets
131,752,088
Total Amount of Shares and Deposits
96,145,977
Total Shares and Deposits < 1 Year
94,100,836
Total Shares and Deposits 1 3 Years
2,045,141
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
8,083,044
Total Uninsured Shares and Deposits > $250K (F+J)
8,083,044
Total Insured Shares and Deposits > $250K (item 17 less item K)
88,062,933
Total Interest Expense (Sum of items 6 8)
827,037
Share Certificates
1,508
Number of Accounts for Share Drafts
1,832
IRA KEOGH Accounts
529
Number of Accounts for Regular Shares
5,376
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)
11,379,615
Total Liabilities
96,324,873
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
There are no reviews for C-B-W Schools Federal Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for C-B-W Schools Federal Credit Union
Frequently Asked Questions About C-B-W Schools Federal Credit UnionDoes C-B-W Schools Federal Credit Union offer CDs?Yes. C-B-W Schools Federal Credit Union current CD rates include its 12 month High Yield - 1 Year CD at 3.95% APY, its 12 month 1 Year CD - Non Compounding at 3.75% APY and its 12 month 1 Year Compounding CD at 3.75% APY, verified by MonitorBankRates as of October 29, 2026. Are CDs from C-B-W Schools Federal Credit Union NCUA insured?Yes. C-B-W Schools Federal 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 C-B-W Schools Federal Credit Union?The highest C-B-W Schools Federal Credit Union CD rate is its 12 month Mini-Jumbo - 1 Year CD at 4.10% APY, verified by MonitorBankRates as of October 29, 2026. What CD terms does C-B-W Schools Federal Credit Union offer?C-B-W Schools Federal Credit Union CD rates are 3.95% APY for a 12 month CD, 3.50% APY for a 2 year CD and 3.50% APY for a 3 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with C-B-W Schools Federal Credit Union for its full lineup. What is the highest checking rate at C-B-W Schools Federal Credit Union?The highest C-B-W Schools Federal Credit Union checking rate is its Checking Account at 0.01% APY, verified by MonitorBankRates as of October 29, 2026. What is the lowest mortgage rate at C-B-W Schools Federal Credit Union?The lowest C-B-W Schools Federal Credit Union mortgage rate is its 1st Lien Mortgage Loans (10 to 15 years) at 5.65%, verified by MonitorBankRates as of October 29, 2026. C-B-W Schools Federal Credit Union mortgage rates are 5.90% for a 20 year mortgage and 5.65% for a 15 year mortgage. What is the lowest auto loan rate at C-B-W Schools Federal Credit Union?The lowest C-B-W Schools Federal Credit Union auto loan rate is its New Vehicles (36 months or less) Loan at 4.40%, verified by MonitorBankRates as of October 29, 2026. C-B-W Schools Federal Credit Union auto loan rates are 4.40% for a 36 month auto loan, 4.65% for a 60 month auto loan, 5.15% for a 72 month auto loan and 5.40% for an 84 month auto loan. What is the lowest personal loan rate at C-B-W Schools Federal Credit Union?The lowest C-B-W Schools Federal Credit Union personal loan rate is its Unsecured Loans per member at 9.90%, verified by MonitorBankRates as of October 29, 2026. How many branches does C-B-W Schools Federal Credit Union operate?C-B-W Schools 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 C-B-W Schools Federal Credit Union?Yes, to access services at C-B-W Schools 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, C-B-W Schools 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, C-B-W Schools Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does C-B-W Schools Federal Credit Union offer online and mobile banking?Most modern institutions like C-B-W Schools 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.cbwsfcu.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 C-B-W Schools Federal Credit Union rates compare?C-B-W Schools Federal Credit Union's CD rates are 8% higher than the MonitorBankRates national average, and it has an A+ health rating. C-B-W Schools Federal Credit Union's top rates are its 12 month Mini-Jumbo - 1 Year CD at 4.10% APY, its Checking Account at 0.01% APY, its 1st Lien Mortgage Loans (10 to 15 years) at 5.65% and its Unsecured Loans per member at 9.90% APR, verified by MonitorBankRates on October 29, 2026. Current C-B-W Schools Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Credit Unions
GenFed Financial Credit Union
White County Federal Credit Union
Grasslands Federal Credit Union
Zeal Credit Union
P&S Credit Union
FinancialEdge Community Credit Union
Alloy Federal Credit Union
Buffalo Metropolitan Federal Credit Union
Eagle Can Employees Credit Union
1st Liberty Federal Credit Union
Lynchburg Municipal Employees Federal Credit Union
Members Heritage Credit Union
Southland Credit Union
Cy-Fair Federal Credit Union
Service 1st Federal Credit Union
Kemba Delta Federal Credit Union
Aurora Postal Employees Credit Union
White River Credit Union Enumclaw, WA
Gulf Coast Educators Federal Credit Union
Raiz Credit Union
Jersey City Firemen Credit Union
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
