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Fourth Ward Federal Credit Union

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Fourth Ward Federal Credit Union Rates & Review August 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Fourth Ward Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: August 29, 2026

Fourth Ward Federal Credit Union rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month CD rates are currently at 2.92%, 6-month CD rates at 2.77% and 3-month CD rates at 2.55%. Savings rates are at 0.84% and money market rates are at 1.17%. Mortgage rates on 30-year fixed loans are around 6.69%. These rates come from our rate database, not Fourth Ward Federal Credit Union, and you can see how they compare in the Fourth Ward Federal Credit Union rate tables below. MonitorBankRates evaluates the financial stability of Fourth Ward Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.00%. Database rates last updated and verified on 08/29/2026.

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

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.00%

Perfect Lower than avg

Fourth Ward Federal Credit Union

304 Second Avenue
Warren, PA 16365

Current Rate Availability

We're not currently displaying rates for Fourth Ward Federal Credit Union, but our database is updated constantly — check back soon for the latest offers.

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Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Fourth Ward Federal Credit Union is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer 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 bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Fourth Ward 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 Fourth Ward Federal Credit Union's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Fourth Ward Federal Credit Union

Bank Holding Company PNC BANK CORP

Address 304 Second Avenue, Warren, PA 16365 · Warren

Website N/A

FDIC Certificate # 7877

Established 12/31/1864

FDIC Insurance Date 01/01/1934

Domestic Offices 63

Total Branches 0

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 100/100

5.0

Exceptional Out of 5.0 Stars

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 3.4332%

Return on Equity (ROE) 44.2000%

Non-Performing Loans (NPL) 0.00%

Total Assets $2,756,148,000

Total Deposits $1,593,241,000

Equity Capital $227,074,000

Net Income $24,053,000

Headquarters Warren

Total Branches and Offices 63

Source: FDIC | Last Updated 03/31/1993

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Fourth Ward Federal Credit Union

How many branches does Fourth Ward Federal Credit Union operate?

Fourth Ward 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 there a first-time homebuyer program?

Currently, Fourth Ward 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, Fourth Ward Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Fourth Ward Federal Credit Union offer online and mobile banking?

Most modern institutions like Fourth Ward Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online.