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 First Area Federal Credit Union Lewistown, PA 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.
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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
First Area Federal Credit Union Lewistown, PA's 1 Year CD Account rates are at 3.03%, 6 Month CD Account rates are at 2.32%, 2 Year CD Account rates are at 1.31%, 15 Month CD Account rates are at 1.21%, 9 Month CD Account rates are at 0.90%. First Area Federal Credit Union Lewistown, PA's savings rates are at 0.05%. First Area Federal Credit Union Lewistown, PA's Personal Loan Rates are as low as 6.90%. First Area Federal Credit Union Lewistown, PA's Credit Card Rates are at 10.90%. First Area Federal Credit Union Lewistown, PA's CD rates are 24% lower than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of First Area Federal Credit Union Lewistown, PA with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.77%. Rates last updated and verified on 10/29/2026. First Area Federal Credit Union Lewistown, PA 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 First Area Federal Credit Union Lewistown, PA? Share your experience about First Area Federal Credit Union Lewistown, PA by leaving a review below, or read customer reviews before you decide to use First Area Federal Credit Union Lewistown, PA. First Area Federal Credit Union Lewistown, PA
First Area Federal Credit Union 23 S Dorcas St
https://www.firstareafcu.com Lewistown, PA 17044  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. First Area Federal Credit Union Lewistown, PA CD Rates
First Area Federal Credit Union Lewistown, PA Savings Rates
First Area Federal Credit Union Lewistown, PA Checking Rates
First Area Federal Credit Union Lewistown, PA Home Equity & HELOC
First Area Federal Credit Union Lewistown, PA Auto Loan Rates
First Area Federal Credit Union Lewistown, PA RV, Boat and Powersport Loan Rates
First Area Federal Credit Union Lewistown, PA Credit Card Rates
First Area Federal Credit Union Lewistown, PA Personal Loan Rates
First Area Federal Credit Union Lewistown, PA Other Rates
Financial Health HistoryFirst Area Federal Credit Union Lewistown, PA’s Texas Ratio rose from 0.03% in Q3 2023 to 1.77% 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
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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 First Area Federal Credit Union Lewistown, PA 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 First Area Federal Credit Union Lewistown, PA 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 First Area Federal Credit Union Lewistown, PA's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
First Area Federal Credit Union Lewistown, PA
Website
https://www.firstareafcu.com
Address
23 S Dorcas St,
Lewistown, PA 17044
Phone
717-248-5103
Fax
717-248-9672
President
Robert Haines Jr
CEO
Bonnie Fisher
Full-Time Employees
5
Part-Time Employees
3
Branch Locations
1
ATM Locations
0
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.77%
Return on Assets (ROA)
0.6954%
Return on Equity (ROE)
6.8717%
Non-Performing Loans Ratio (NPL)
1.15%
Total Assets
29,931,780
Total Amount of Shares and Deposits
27,011,919
Total Shares and Deposits < 1 Year
27,006,638
Total Shares and Deposits 1 3 Years
5,281
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
543,107
Total Uninsured Shares and Deposits > $250K (F+J)
543,107
Total Insured Shares and Deposits > $250K (item 17 less item K)
26,468,812
Total Interest Expense (Sum of items 6 8)
31,663
Share Certificates
101
Number of Accounts for Share Drafts
1,476
Number of Accounts for Regular Shares
3,231
Net Income (unless the amount is already included in Undivided Earnings)
208,148
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)
2,422,778
Total Liabilities
27,026,763
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Frequently Asked Questions About First Area Federal Credit Union Lewistown, PADoes First Area Federal Credit Union Lewistown, PA offer CDs?Yes. First Area Federal Credit Union Lewistown, PA current CD rates include its 1 Year CD Account at 3.034% APY, its 6 Month CD Account at 2.32% APY and its 2 Year CD Account at 1.306% APY, verified by MonitorBankRates as of October 29, 2026. Are CDs from First Area Federal Credit Union Lewistown, PA NCUA insured?Yes. First Area Federal Credit Union Lewistown, PA 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 First Area Federal Credit Union Lewistown, PA?The highest First Area Federal Credit Union Lewistown, PA CD rate is its 1 Year CD Account at 3.034% APY, verified by MonitorBankRates as of October 29, 2026. What CD terms does First Area Federal Credit Union Lewistown, PA offer?First Area Federal Credit Union Lewistown, PA CD rates are 2.32% APY for a 6 month CD, 0.903% APY for a 9 month CD, 3.034% APY for a 12 month CD, 1.205% APY for a 15 month CD and 1.31% APY for a 2 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 First Area Federal Credit Union Lewistown, PA for its full lineup. What is the highest savings rate at First Area Federal Credit Union Lewistown, PA?The highest First Area Federal Credit Union Lewistown, PA savings rate is its Share (Savings) at 0.05% APY, verified by MonitorBankRates as of October 29, 2026. What is the lowest auto loan rate at First Area Federal Credit Union Lewistown, PA?The lowest First Area Federal Credit Union Lewistown, PA auto loan rate is its Vehicles (New & Used) Loan at 5.99% APR, verified by MonitorBankRates as of October 29, 2026. What is the lowest personal loan rate at First Area Federal Credit Union Lewistown, PA?The lowest First Area Federal Credit Union Lewistown, PA personal loan rate is its Personal Loan at 6.90% APR, verified by MonitorBankRates as of October 29, 2026. What is the lowest credit card APR at First Area Federal Credit Union Lewistown, PA?The lowest First Area Federal Credit Union Lewistown, PA credit card APR is its VISA Credit Card at 10.90% APR, verified by MonitorBankRates as of October 29, 2026. How many branches does First Area Federal Credit Union Lewistown, PA operate?First Area Federal Credit Union Lewistown, PA 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 First Area Federal Credit Union Lewistown, PA?Yes, to access services at First Area Federal Credit Union Lewistown, PA, 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, First Area Federal Credit Union Lewistown, PA 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, First Area Federal Credit Union Lewistown, PA provides members with tools to manage their accounts and build a solid financial history. Does First Area Federal Credit Union Lewistown, PA offer online and mobile banking?Most modern institutions like First Area Federal Credit Union Lewistown, PA 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.firstareafcu.com. 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 First Area Federal Credit Union Lewistown, PA rates compare?First Area Federal Credit Union Lewistown, PA's CD rates are 24% lower than the MonitorBankRates national average, and it has an A+ health rating. First Area Federal Credit Union Lewistown, PA's top rates are its 1 Year CD Account at 3.034% APY, its Share (Savings) at 0.05% APY, its Personal Loan at 6.90% APR and its VISA Credit Card at 10.90% APR, verified by MonitorBankRates on October 29, 2026. Current First Area Federal Credit Union Lewistown, PA Rates
Retrieved from our database of financial products. Rates subject to change.
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