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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.
 Moonlight Credit Union Rates & Review September 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: September 22, 2026
Moonlight Credit Union's 48 Month CD rates are at 4.06%, 36 Month CD rates are at 3.80%, 24 Month CD rates are at 3.55%, 12 Month CD rates are at 3.29%, 12 Month Youth CD (Special minimum) (IRA does not apply) rates are at 3.29%. Moonlight Credit Union's Personal Loan Rates are as low as 8.00%. MonitorBankRates evaluates the financial stability of Moonlight 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 09/22/2026. Moonlight 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 Moonlight Credit Union? Share your experience about Moonlight Credit Union by leaving a review below, or read customer reviews before you decide to use Moonlight Credit Union. Moonlight Credit Union
Moonlight Credit Union 101 Deer Park Rd
https://www.moonlightcu.com Worthington, PA 16262 
Moonlight Credit Union CD Rates
Moonlight Credit Union Home Equity & HELOC
Moonlight Credit Union Auto Loan Rates
Moonlight Credit Union RV, Boat and Powersport Loan Rates
Moonlight Credit Union Personal Loan Rates
Moonlight Credit Union Other Rates
Financial Health HistoryMoonlight Credit Union’s Texas Ratio fell from 0.77% in Q3 2025 to 0.23% in Q1 2026, so its financial health has stayed very strong over the past 3 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 Moonlight 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 Moonlight 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 Moonlight Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Moonlight Credit Union
Website
https://www.moonlightcu.com
Address
101 Deer Park Rd,
Worthington, PA 16262
Phone
724-297-3084
Fax
724-297-3826
President
Denny Shelton
CEO
Karen Janoski
Full-Time Employees
10
Part-Time Employees
0
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+ (100/100)
Texas Ratio
0.23%
Return on Assets (ROA)
0.5381%
Return on Equity (ROE)
3.0425%
Non-Performing Loans Ratio (NPL)
0.06%
Total Assets
53,353,188
Total Amount of Shares and Deposits
44,016,188
Total Shares and Deposits < 1 Year
38,225,078
Total Shares and Deposits 1 3 Years
5,471,069
Total Shares and Deposits > 3 Years
320,041
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
410,583
Total Uninsured Shares and Deposits > $250K (F+J)
410,583
Total Insured Shares and Deposits > $250K (item 17 less item K)
43,605,605
Total Interest Expense (Sum of items 6 8)
255,641
Share Certificates
217
Number of Accounts for Share Drafts
1,604
IRA KEOGH Accounts
148
Number of Accounts for Regular Shares
4,579
Non Member Deposits
24
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)
4,826,263
Total Liabilities
44,055,674
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for Moonlight Credit Union yet. Feel free to create one below.
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Frequently Asked Questions About Moonlight Credit UnionHow many branches does Moonlight Credit Union operate?Moonlight 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 Moonlight Credit Union?Yes, to access services at Moonlight 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, Moonlight 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, Moonlight Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Moonlight Credit Union offer online and mobile banking?Most modern institutions like Moonlight 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.moonlightcu.com. Current Moonlight Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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