☰

New Report Fall 2026 Housing Affordability Report: every state is less affordable than in late August as average 30-year mortgage rates passed 7%. Read the report See your state’s current score

Home›
Credit Unions›
Erie Federal Credit Union

iAdvertiser Disclosure

Erie Federal Credit Union Rates & Review November 2026

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

Current rates for Erie Federal Credit Union include: 12-Month CD: 3.84%, 18-Month CD: 3.98%, 24-Month CD: 4.13%, 60-Month CD: 4.28%, Savings: 2.53%, MMA: 2.02%

Q: What CD terms does Erie Federal Credit Union offer?

Erie Federal Credit Union CD rates are 3.84% APY for a 12 month CD, 3.98% APY for an 18 month CD, 4.13% APY for a 2 year CD, 4.17% APY for a 30 month CD, 4.19% APY for a 33 month CD, 4.21% APY for a 3 year CD, 4.25% APY for a 4 year CD and 4.28% APY for a 5 year CD, verified by MonitorBankRates as of October 28, 2026. The institution may offer other terms or specials that are not listed here, so check with Erie Federal Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 28, 2026

Erie Federal Credit Union's 60 Month Term CD rates are at 4.28%, 48 Month Term CD rates are at 4.25%, 36 Month Term CD rates are at 4.21%, 33 Month Term CD rates are at 4.19%, 30 Month Term CD rates are at 4.17%. Erie Federal Credit Union's savings rates are at 2.53%. Erie Federal Credit Union's money market rates are at 2.02%. Erie Federal Credit Union's checking rates are as high as 2.02%. Erie Federal Credit Union's Personal Loan Rates are as low as 7.49%. Erie Federal Credit Union's CD rates are 41% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Erie Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.62%. Rates last updated and verified on 10/28/2026.

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

3.62%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Erie Federal Credit Union
Glenwood Facility

3503 Peach St
Erie, PA 16508

https://www.eriefcu.org

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.

Erie Federal Credit Union CD Rates

Product	Rate	APY	Term
59 Month Term Share Step-up Certificate	4.20%	4.28%	59 months
Min Deposit $1,000 Last Updated 10/28/2026 Rate History 1 change since Oct 22, 2026 · 3.85% → 4.28% ▲ 0.43 pts · high 4.28% / low 3.85% Oct 28, 20264.28%▲ from 3.85% Oct 22, 20263.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.62%
59 Month Traditional IRA Share Step-up Certificate	4.20%	4.28%	59 months
Min Deposit $1,000 Last Updated 10/28/2026 Rate History 1 change since Oct 22, 2026 · 3.85% → 4.28% ▲ 0.43 pts · high 4.28% / low 3.85% Oct 28, 20264.28%▲ from 3.85% Oct 22, 20263.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.62%
60 Month Term Share Certificate	4.20%	4.28%	60 months
Min Deposit $1,000 Last Updated 10/28/2026 Rate History 1 change since Oct 22, 2026 · 3.85% → 4.28% ▲ 0.43 pts · high 4.28% / low 3.85% Oct 28, 20264.28%▲ from 3.85% Oct 22, 20263.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.62%
60 Month Traditional IRA Share Certificate	4.20%	4.28%	60 months
Min Deposit $1,000 Last Updated 10/28/2026 Rate History 1 change since Oct 22, 2026 · 3.85% → 4.28% ▲ 0.43 pts · high 4.28% / low 3.85% Oct 28, 20264.28%▲ from 3.85% Oct 22, 20263.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.62%
48 Month Term Share Certificate	4.17%	4.25%	48 months
Min Deposit $1,000 Last Updated 10/28/2026 Rate History 1 change since Oct 22, 2026 · 3.79% → 4.25% ▲ 0.46 pts · high 4.25% / low 3.79% Oct 28, 20264.25%▲ from 3.79% Oct 22, 20263.79%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.62%
48 Month Traditional IRA Share Certificate	4.17%	4.25%	48 months
Min Deposit $1,000 Last Updated 10/28/2026 Rate History 1 change since Oct 22, 2026 · 3.79% → 4.25% ▲ 0.46 pts · high 4.25% / low 3.79% Oct 28, 20264.25%▲ from 3.79% Oct 22, 20263.79%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.62%
36 Month Term Share Certificate	4.13%	4.21%	36 months
Min Deposit $1,000 Last Updated 10/28/2026 Rate History 1 change since Oct 22, 2026 · 3.74% → 4.21% ▲ 0.47 pts · high 4.21% / low 3.74% Oct 28, 20264.21%▲ from 3.74% Oct 22, 20263.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.62%
36 Month Traditional IRA Share Certificate	4.13%	4.21%	36 months
Min Deposit $1,000 Last Updated 10/28/2026 Rate History 1 change since Oct 22, 2026 · 3.74% → 4.21% ▲ 0.47 pts · high 4.21% / low 3.74% Oct 28, 20264.21%▲ from 3.74% Oct 22, 20263.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.62%
33 Month Term Share Certificate	4.11%	4.19%	33 months
Min Deposit $1,000 Last Updated 10/28/2026 Rate History 1 change since Oct 22, 2026 · 3.73% → 4.19% ▲ 0.46 pts · high 4.19% / low 3.73% Oct 28, 20264.19%▲ from 3.73% Oct 22, 20263.73%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.62%
33 Month Traditional IRA Share Certificate	4.11%	4.19%	33 months
Min Deposit $1,000 Last Updated 10/28/2026 Rate History 1 change since Oct 22, 2026 · 3.73% → 4.19% ▲ 0.46 pts · high 4.19% / low 3.73% Oct 28, 20264.19%▲ from 3.73% Oct 22, 20263.73%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.62%
30 Month Term Share Certificate	4.09%	4.17%	30 months
Min Deposit $1,000 Last Updated 10/28/2026 Rate History 1 change since Oct 22, 2026 · 3.71% → 4.17% ▲ 0.46 pts · high 4.17% / low 3.71% Oct 28, 20264.17%▲ from 3.71% Oct 22, 20263.71%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.62%
30 Month Traditional IRA Share Certificate	4.09%	4.17%	30 months
Min Deposit $1,000 Last Updated 10/28/2026 Rate History 1 change since Oct 22, 2026 · 3.71% → 4.17% ▲ 0.46 pts · high 4.17% / low 3.71% Oct 28, 20264.17%▲ from 3.71% Oct 22, 20263.71%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.62%
24 Month Term Share Certificate	4.05%	4.13%	24 months
Min Deposit $1,000 Last Updated 10/28/2026 Rate History 1 change since Oct 22, 2026 · 3.68% → 4.13% ▲ 0.45 pts · high 4.13% / low 3.68% Oct 28, 20264.13%▲ from 3.68% Oct 22, 20263.68%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.62%
24 Month Traditional IRA Share Certificate	4.05%	4.13%	24 months
Min Deposit $1,000 Last Updated 10/28/2026 Rate History 1 change since Oct 22, 2026 · 3.68% → 4.13% ▲ 0.45 pts · high 4.13% / low 3.68% Oct 28, 20264.13%▲ from 3.68% Oct 22, 20263.68%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.62%
18 Month Term Share Certificate	3.91%	3.98%	18 months
Min Deposit $1,000 Last Updated 10/28/2026 Rate History 1 change since Oct 22, 2026 · 3.60% → 3.98% ▲ 0.38 pts · high 3.98% / low 3.60% Oct 28, 20263.98%▲ from 3.60% Oct 22, 20263.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.62%
18 Month Traditional IRA Share Certificate	3.91%	3.98%	18 months
Min Deposit $1,000 Last Updated 10/28/2026 Rate History 1 change since Oct 22, 2026 · 3.60% → 3.98% ▲ 0.38 pts · high 3.98% / low 3.60% Oct 28, 20263.98%▲ from 3.60% Oct 22, 20263.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.62%
15 Month Term Share Certificate	3.84%	3.91%	15 months
Min Deposit $1,000 Last Updated 10/28/2026 Rate History 1 change since Oct 22, 2026 · 3.54% → 3.91% ▲ 0.37 pts · high 3.91% / low 3.54% Oct 28, 20263.91%▲ from 3.54% Oct 22, 20263.54%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.62%
15 Month Traditional IRA Share Certificate	3.84%	3.91%	15 months
Min Deposit $1,000 Last Updated 10/28/2026 Rate History 1 change since Oct 22, 2026 · 3.54% → 3.91% ▲ 0.37 pts · high 3.91% / low 3.54% Oct 28, 20263.91%▲ from 3.54% Oct 22, 20263.54%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.62%
12 Month Term Share Certificate	3.77%	3.84%	12 months
Min Deposit $1,000 Last Updated 10/28/2026 Rate History 1 change since Oct 22, 2026 · 3.66% → 3.84% ▲ 0.18 pts · high 3.84% / low 3.66% Oct 28, 20263.84%▲ from 3.66% Oct 22, 20263.66%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.62%
12 Month Traditional IRA Share Certificate	3.77%	3.84%	12 months
Min Deposit $1,000 Last Updated 10/28/2026 Rate History 1 change since Oct 22, 2026 · 3.66% → 3.84% ▲ 0.18 pts · high 3.84% / low 3.66% Oct 28, 20263.84%▲ from 3.66% Oct 22, 20263.66%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.62%
6 Month Term Share Certificate	3.60%	3.66%	6 months
Min Deposit $1,000 Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 3.66% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.62%
6 Month Traditional IRA Share Certificate	3.60%	3.66%	6 months
Min Deposit $1,000 Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 3.66% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.62%

Erie Federal Credit Union Savings Rates

Product	Rate	APY
+Sidekick Savings Account	2.50%	2.53%
Details Deposits only by transfer of funds from a maturing Erie FCU Share Certificate or IRA Share Certificate within 10 days of certificate maturity; no additional deposits permitted; unlimited withdrawals at any time Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 2.53% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.62%
Money Market Share Tiered Rate	0.60%	0.60%
Min Deposit $5,000 Min Balance $5,000 Details Balance: $5,000.00 to $25,000.00; Tier interest rate share accounts will reflect a blended APY on the periodic statement Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 0.60% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.62%
Traditional IRA Share Tiered Rate	0.30%	0.30%
Details Balance: Less than $25,000.00 Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 0.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.62%
Special Share Club	0.20%	0.24%
Min Balance $0 Details Balance: $.01+ Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 0.24% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.62%
EZ Saver Share	0.10%	0.12%
Min Balance $0 Details Balance: $.01+ Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 0.12% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.62%
Holiday Share Club	0.10%	0.12%
Min Balance $0 Details Balance: $.01+ Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 0.12% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.62%
Regular Share Tiered Rate	0.10%	0.10%
Min Balance $0 Details Balance: $.01 to $4,000.00; Dividends calculated and paid monthly on average daily balance; Tier interest rate share accounts reflect a blended APY on the periodic statement Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.62%

Erie Federal Credit Union Money Market Rates

Product	Rate	APY
Jumbo Money Market	2.00%	2.02%
Min Deposit $5,000 Min Balance $200,000 Details Balance: $200,000.01 and over Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 2.02% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.62%
Jumbo Money Market	0.60%	0.60%
Min Deposit $5,000 Min Balance $5,000 Details Balance: $5,000.00 - $200,000.00 Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 0.60% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.62%
Money Market Share Tiered Rate	0.60%	0.60%
Min Deposit $5,000 Min Balance $5,000 Details Balance: $5,000.00 to $25,000.00; Tier interest rate share accounts will reflect a blended APY on the periodic statement Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 0.60% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.62%

Erie Federal Credit Union Checking Rates

Product	Rate	APY
Dividend +Plus Checking	2.00%	2.02%
Min Balance $500 Details Requirements Met (qualifying requirements not listed on page); Balance: $500.00 - $25,000.00 Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 2.02% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.62%
Premium Checking	0.10%	0.12%
Min Balance $0 Details Balance: $.01+ Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 0.12% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.62%
Community Checking	0.10%	0.10%
No additional details. Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.62%

Erie Federal Credit Union Business Checking Rates

Product	Rate	APY
Business Plus Checking	0.40%	0.40%
Min Balance $100,000 Details Qualifications Required: $2,500.00 in monthly debit card transactions; Balance: $100,000.01 or greater; Eligible for Bonus Rate; 0.25% bonus if $2,500.00 in monthly debit card transactions post; bonus capped at first $100,000.00; must carry product through entire period for bonus dividend eligibility Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 0.40% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.62%
Business Plus Checking	0.30%	0.30%
Min Balance $25,000 Details Qualifications Required; Balance: $25,000.01 - $100,000.00; Eligible for Bonus Rate; 0.25% bonus if $2,500.00 in monthly debit card transactions post; bonus capped at first $100,000.00; must carry product through entire period for bonus dividend eligibility Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 0.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.62%
Business Plus Checking	0.20%	0.20%
Min Balance $5,000 Details Qualifications Required; Balance: $5,000.01 - $25,000.00; Eligible for Bonus Rate; 0.25% bonus if $2,500.00 in monthly debit card transactions post; bonus capped at first $100,000.00; must carry product through entire period for bonus dividend eligibility Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 0.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.62%
Business Plus Checking	0.10%	0.10%
Min Balance $0 Details Qualifications Required; Balance: $0.01 - $5,000.00; Eligible for Bonus Rate; 0.25% bonus if $2,500.00 in monthly debit card transactions post; bonus capped at first $100,000.00; must carry product through entire period for bonus dividend eligibility Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.62%

Erie Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Automobile & Motorcycle New & Used (2024 & Newer)	-	-	4.84%	0 - 24 Months
Details Auto loan, new and used vehicles 2024 & newer Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 4.84% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.62%
Automobile & Motorcycle New & Used (2024 & Newer)	-	-	4.99%	25 - 36 Months
Details Auto loan, new and used vehicles 2024 & newer Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 4.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.62%
Automobile & Motorcycle New & Used (2024 & Newer)	-	-	5.24%	37 - 48 Months
Details Auto loan, new and used vehicles 2024 & newer Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 5.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.62%
Automobile & Motorcycle New & Used (2024 & Newer)	-	-	5.49%	49 - 60 Months
Details Auto loan, new and used vehicles 2024 & newer Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 5.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.62%
Automobile & Motorcycle Used	-	-	5.49%	0 - 24 Months
Details Model Year: 2020 - 2023 Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 5.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.62%
Automobile & Motorcycle New & Used (2024 & Newer)	-	-	5.74%	61 - 72 Months
Details Auto loan, new and used vehicles 2024 & newer Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 5.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.62%
Automobile & Motorcycle Used	-	-	5.74%	25 - 36 Months
Details Model Year: 2020 - 2023 Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 5.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.62%
Automobile & Motorcycle New & Used (2024 & Newer)	-	-	5.99%	73 - 84 Months
Details Auto loan, new and used vehicles 2024 & newer Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 5.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.62%
Automobile & Motorcycle Used	-	-	5.99%	37 - 48 Months
Details Model Year: 2020 - 2023 Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 5.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.62%
Automobile & Motorcycle Used	-	-	6.24%	49 - 60 Months
Details Model Year: 2020 - 2023 Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 6.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.62%
Automobile & Motorcycle Used	-	-	6.49%	61 - 72 Months
Details Model Year: 2020 - 2023 Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 6.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.62%
Automobile & Motorcycle Used	-	-	6.75%	73 - 84 Months
Details Model Year: 2020 - 2023 Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 6.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.62%

Erie Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New Boat & RV (0-24 Months) Loan	-	8.25%	0-24 months
No additional details. Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 8.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.62%
New Boat & RV (25-60 Months) Loan	-	9.00%	25-60 months
No additional details. Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 9.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.62%
New Boat & RV (61-84 Months) Loan	-	9.75%	61-84 months
No additional details. Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 9.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.62%
Used Boat & RV (0-60 Months) Loan	-	10.50%	0-60 months
No additional details. Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 10.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.62%
New Boat & RV (85-120 Months) Loan	-	11.50%	85-120 months
No additional details. Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 11.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.62%
Used Boat & RV (61-84 Months) Loan	-	11.50%	61-84 months
No additional details. Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 11.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.62%

Erie Federal Credit Union Personal Loan Rates

Product	APR	Term
EZ Personal Loan (Unsecured Loan)	7.49%	up to 36 months
Details Maximum amount $15,000; APR = Annual Percentage Rate Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 7.49% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.62%
EZ Personal Loan (Unsecured Loan)	8.49%	up to 48 months
Details Maximum amount $15,000; APR = Annual Percentage Rate Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 8.49% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.62%
EZ Personal Loan (Unsecured Loan)	9.49%	up to 60 months
Details Maximum amount $15,000; APR = Annual Percentage Rate Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 9.49% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.62%

Erie Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
12 Month Roth/Coverdell IRA Share Certificate	3.77%	-	3.84%	12 months
Min Deposit $500 Last Updated 10/28/2026 Rate History 1 change since Oct 22, 2026 · 3.66% → 3.84% ▲ 0.18 pts · high 3.84% / low 3.66% Oct 28, 20263.84%▲ from 3.66% Oct 22, 20263.66%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.62%
15 Month Roth/Coverdell IRA Share Certificate	3.84%	-	3.91%	15 months
Min Deposit $500 Last Updated 10/28/2026 Rate History 1 change since Oct 22, 2026 · 3.54% → 3.91% ▲ 0.37 pts · high 3.91% / low 3.54% Oct 28, 20263.91%▲ from 3.54% Oct 22, 20263.54%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.62%
18 Month Roth/Coverdell IRA Share Certificate	3.91%	-	3.98%	18 months
Min Deposit $500 Last Updated 10/28/2026 Rate History 1 change since Oct 22, 2026 · 3.60% → 3.98% ▲ 0.38 pts · high 3.98% / low 3.60% Oct 28, 20263.98%▲ from 3.60% Oct 22, 20263.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.62%
24 Month Roth/Coverdell IRA Share Certificate	4.05%	-	4.13%	24 months
Min Deposit $500 Last Updated 10/28/2026 Rate History 1 change since Oct 22, 2026 · 3.68% → 4.13% ▲ 0.45 pts · high 4.13% / low 3.68% Oct 28, 20264.13%▲ from 3.68% Oct 22, 20263.68%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.62%
30 Month Roth/Coverdell IRA Share Certificate	4.09%	-	4.17%	30 months
Min Deposit $500 Last Updated 10/28/2026 Rate History 1 change since Oct 22, 2026 · 3.71% → 4.17% ▲ 0.46 pts · high 4.17% / low 3.71% Oct 28, 20264.17%▲ from 3.71% Oct 22, 20263.71%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.62%
33 Month Roth/Coverdell IRA Share Certificate	4.11%	-	4.19%	33 months
Min Deposit $500 Last Updated 10/28/2026 Rate History 1 change since Oct 22, 2026 · 3.73% → 4.19% ▲ 0.46 pts · high 4.19% / low 3.73% Oct 28, 20264.19%▲ from 3.73% Oct 22, 20263.73%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.62%
36 Month Roth/Coverdell IRA Share Certificate	4.13%	-	4.21%	36 months
Min Deposit $500 Last Updated 10/28/2026 Rate History 1 change since Oct 22, 2026 · 3.74% → 4.21% ▲ 0.47 pts · high 4.21% / low 3.74% Oct 28, 20264.21%▲ from 3.74% Oct 22, 20263.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.62%
48 Month Roth/Coverdell IRA Share Certificate	4.17%	-	4.25%	48 months
Min Deposit $500 Last Updated 10/28/2026 Rate History 1 change since Oct 22, 2026 · 3.79% → 4.25% ▲ 0.46 pts · high 4.25% / low 3.79% Oct 28, 20264.25%▲ from 3.79% Oct 22, 20263.79%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.62%
59 Month Roth/Coverdell IRA Step-up Certificate	4.20%	-	4.28%	59 months
Min Deposit $500 Last Updated 10/28/2026 Rate History 1 change since Oct 22, 2026 · 3.85% → 4.28% ▲ 0.43 pts · high 4.28% / low 3.85% Oct 28, 20264.28%▲ from 3.85% Oct 22, 20263.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.62%
6 Month Roth/Coverdell IRA Share Certificate	3.60%	-	3.66%	6 months
Min Deposit $500 Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 3.66% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.62%
60 Month Roth/Coverdell IRA Share Certificate	4.20%	-	4.28%	60 months
Min Deposit $500 Last Updated 10/28/2026 Rate History 1 change since Oct 22, 2026 · 3.85% → 4.28% ▲ 0.43 pts · high 4.28% / low 3.85% Oct 28, 20264.28%▲ from 3.85% Oct 22, 20263.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.62%
Roth and Coverdell IRA Share Tiered Rate	0.30%	-	0.30%
Details Balance: Less Than $25,000.00 Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 0.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.62%

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

Erie Federal Credit Union’s Texas Ratio stayed near 3.78% in Q3 2023 to 3.62% 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	$808M	3.62%	5.0	A+
March 31, 2026	$814M	3.33%	5.0	A+
December 31, 2025	$796M	4.14%	5.0	A+
September 30, 2025	$806M	3.39%	5.0	A+
June 30, 2025	$813M	3.36%	5.0	A+
March 31, 2025	$824M	3.60%	5.0	A+
December 31, 2024	$805M	4.05%	5.0	A+
September 30, 2024	$815M	3.72%	5.0	A+
June 30, 2024	$797M	4.58%	5.0	A+
March 31, 2024	$785M	3.20%	5.0	A+
December 31, 2023	$779M	3.58%	5.0	A+
September 30, 2023	$790M	3.78%	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 Erie 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 Erie 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 Erie Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Erie Federal Credit Union

Website https://www.eriefcu.org

Address 3503 Peach St, Erie, PA 16508

Phone 814-825-2436

Fax 814-897-2363

President Pablo Reyes

CEO Brian Waugaman

Full-Time Employees 219

Part-Time Employees 0

Branch Locations 12

ATM Locations 12

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

3.62%

Return on Assets (ROA)

0.5651%

Return on Equity (ROE)

5.3410%

Non-Performing Loans Ratio (NPL)

0.62%

Total Assets

808,005,238

Total Amount of Shares and Deposits

741,358,742

Total Shares and Deposits < 1 Year

701,857,966

Total Shares and Deposits 1 3 Years

30,036,353

Total Shares and Deposits > 3 Years

9,464,423

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

52,682,084

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

52,682,084

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

688,676,658

Total Interest Expense (Sum of items 6 8)

5,226,490

Share Certificates

5,185

Number of Accounts for Share Drafts

42,876

IRA KEOGH Accounts

2,234

Number of Accounts for Regular Shares

95,525

Money Market Shares

719

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)

41,484,950

Total Liabilities

743,666,295

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Erie 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.

<a href="https://www.monitorbankrates.com/credit-unions/erie-federal-credit-union-rates-review-1476">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Erie 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.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Erie Federal Credit Union

Frequently Asked Questions About Erie Federal Credit Union

Does Erie Federal Credit Union offer CDs?

Yes. Erie Federal Credit Union current CD rates include its 60 Month Term CD at 4.28% APY, its 48 Month Term CD at 4.25% APY and its 36 Month Term CD at 4.21% APY, verified by MonitorBankRates as of October 28, 2026.

Are CDs from Erie Federal Credit Union NCUA insured?

Yes. Erie 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 Erie Federal Credit Union?

The highest Erie Federal Credit Union CD rate is its 59 Month CD Step-up CD at 4.28% APY, verified by MonitorBankRates as of October 28, 2026.

What CD terms does Erie Federal Credit Union offer?

Erie Federal Credit Union CD rates are 3.84% APY for a 12 month CD, 3.98% APY for an 18 month CD, 4.13% APY for a 2 year CD, 4.17% APY for a 30 month CD, 4.19% APY for a 33 month CD, 4.21% APY for a 3 year CD, 4.25% APY for a 4 year CD and 4.28% APY for a 5 year CD, verified by MonitorBankRates as of October 28, 2026. The institution may offer other terms or specials that are not listed here, so check with Erie Federal Credit Union for its full lineup.

What is the highest savings rate at Erie Federal Credit Union?

The highest Erie Federal Credit Union savings rate is its +Sidekick Savings Account at 2.53% APY, verified by MonitorBankRates as of October 28, 2026.

What is the highest money market rate at Erie Federal Credit Union?

The highest Erie Federal Credit Union money market rate is its Jumbo Money Market at 2.02% APY, verified by MonitorBankRates as of October 28, 2026.

What is the highest checking rate at Erie Federal Credit Union?

The highest Erie Federal Credit Union checking rate is its Dividend +Plus Checking at 2.02% APY, verified by MonitorBankRates as of October 28, 2026.

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

The lowest Erie Federal Credit Union personal loan rate is its EZ Personal Loan (Unsecured Loan) at 7.49% APR, verified by MonitorBankRates as of October 28, 2026.

How many branches does Erie Federal Credit Union operate?

Erie 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 Erie Federal Credit Union?

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

Does Erie Federal Credit Union offer online and mobile banking?

Most modern institutions like Erie 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.eriefcu.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 Erie Federal Credit Union rates compare?

Erie Federal Credit Union's CD rates are 41% higher than the MonitorBankRates national average, and it has an A+ health rating. Erie Federal Credit Union's top rates are its 59 Month CD Step-up CD at 4.28% APY, its +Sidekick Savings Account at 2.53% APY, its Jumbo Money Market at 2.02% APY, its Dividend +Plus Checking at 2.02% APY and its EZ Personal Loan (Unsecured Loan) at 7.49% APR, verified by MonitorBankRates on October 28, 2026.

Current Erie Federal Credit Union Rates

12-Month CD3.84%
18-Month CD3.98%
24-Month CD4.13%
60-Month CD4.28%
Savings2.53%
MMA2.02%

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

Compare to Other Credit Unions

Erie Federal Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Erie Federal Credit Union Texas Ratio

Erie Federal Credit Union Health Trend

Erie Federal Credit Union CD Rates

Erie Federal Credit Union Savings Rates

Erie Federal Credit Union Money Market Rates

Erie Federal Credit Union Checking Rates

Erie Federal Credit Union Business Checking Rates

Erie Federal Credit Union Auto Loan Rates

Erie Federal Credit Union RV, Boat and Powersport Loan Rates

Erie Federal Credit Union Personal Loan Rates

Erie Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Erie Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Erie Federal Credit Union

Does Erie Federal Credit Union offer CDs?

Are CDs from Erie Federal Credit Union NCUA insured?

What is the highest CD rate at Erie Federal Credit Union?

What CD terms does Erie Federal Credit Union offer?

What is the highest savings rate at Erie Federal Credit Union?

What is the highest money market rate at Erie Federal Credit Union?

What is the highest checking rate at Erie Federal Credit Union?

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

How many branches does Erie Federal Credit Union operate?

Is a member application needed to join Erie Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Erie Federal 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 Erie Federal Credit Union rates compare?

Current Erie Federal Credit Union Rates

Compare to Other Credit Unions