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Morrisons Cove 1st Federal Credit Union

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Morrisons Cove 1st Federal Credit Union Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Morrisons Cove 1st 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: September 23, 2026

Morrisons Cove 1st Federal Credit Union's Personal Loan Rates are as low as 9.49%. Morrisons Cove 1st Federal Credit Union's Credit Card Rates are at 9.90%. MonitorBankRates evaluates the financial stability of Morrisons Cove 1st Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.03%. Rates last updated and verified on 09/23/2026.

Morrisons Cove 1st 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 Morrisons Cove 1st Federal Credit Union? Share your experience about Morrisons Cove 1st Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Morrisons Cove 1st Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.03%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Morrisons Cove 1st Federal Credit Union
Morrisons Cove 1st FCU

7533 Woodbury Pike
Roaring Spring, PA 16673

https://www.mcove1stfcu.com

Morrisons Cove 1st Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity Loan	-	-	5.75%
Details As Low As; The Annual Percentage Rate (APR) provided above is for well qualified borrowers. Advertised rates are subject to change without notice. All loans are subject to approval. The final APR may vary based on several factors, including personal credit history, term of loan, loan to value and age of auto. Credit Union membership is required. Other conditions and restrictions may apply. Please talk to a Loan Consultant to discuss your particular financing needs Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%

Morrisons Cove 1st Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR
New Auto Loan	-	-	5.25%
Details As Low As; The Annual Percentage Rate (APR) provided above is for well qualified borrowers. Advertised rates are subject to change without notice. All loans are subject to approval. The final APR may vary based on several factors, including personal credit history, term of loan, loan to value and age of auto. Credit Union membership is required. Other conditions and restrictions may apply. Please talk to a Loan Consultant to discuss your particular financing needs Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%
Used Auto - 2023 & newer	-	-	5.25%
Details As Low As; The Annual Percentage Rate (APR) provided above is for well qualified borrowers. Advertised rates are subject to change without notice. All loans are subject to approval. The final APR may vary based on several factors, including personal credit history, term of loan, loan to value and age of auto. Credit Union membership is required. Other conditions and restrictions may apply. Please talk to a Loan Consultant to discuss your particular financing needs Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%
Used Auto - 2020-2022	-	-	6.74%
Details As Low As; The Annual Percentage Rate (APR) provided above is for well qualified borrowers. Advertised rates are subject to change without notice. All loans are subject to approval. The final APR may vary based on several factors, including personal credit history, term of loan, loan to value and age of auto. Credit Union membership is required. Other conditions and restrictions may apply. Please talk to a Loan Consultant to discuss your particular financing needs Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%

Morrisons Cove 1st Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
Visa Credit Card	6.90%	9.90%
Details Intro rate expires: 6 months; Regular APR: 9.9%; No annual fee; Credit limits available up to $15,000, depending on individual creditworthiness. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%

Morrisons Cove 1st Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Signature Loan (A & B credit)	9.49%
Details As Low As; The Annual Percentage Rate (APR) provided above is for well qualified borrowers. Advertised rates are subject to change without notice. All loans are subject to approval. The final APR may vary based on several factors, including personal credit history, term of loan, loan to value and age of auto. Credit Union membership is required. Other conditions and restrictions may apply. Please talk to a Loan Consultant to discuss your particular financing needs Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%
Signature Loan (C credit)	10.49%
Details As Low As; The Annual Percentage Rate (APR) provided above is for well qualified borrowers. Advertised rates are subject to change without notice. All loans are subject to approval. The final APR may vary based on several factors, including personal credit history, term of loan, loan to value and age of auto. Credit Union membership is required. Other conditions and restrictions may apply. Please talk to a Loan Consultant to discuss your particular financing needs Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%

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

Morrisons Cove 1st Federal Credit Union’s Texas Ratio rose from 1.23% in Q2 2023 to 2.03% in Q1 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
March 31, 2026	$62M	2.03%	5.0	A+
December 31, 2025	$58M	1.95%	5.0	A+
September 30, 2025	$58M	1.68%	5.0	A+
June 30, 2025	$58M	1.87%	5.0	A+
March 31, 2025	$57M	1.52%	5.0	A+
December 31, 2024	$56M	0.98%	5.0	A+
September 30, 2024	$56M	1.78%	5.0	A+
June 30, 2024	$56M	1.33%	5.0	A+
March 31, 2024	$56M	1.46%	5.0	A+
December 31, 2023	$54M	1.11%	5.0	A+
September 30, 2023	$54M	1.61%	5.0	A+
June 30, 2023	$55M	1.23%	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 Morrisons Cove 1st 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 Morrisons Cove 1st 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 Morrisons Cove 1st Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Morrisons Cove 1st Federal Credit Union

Website https://www.mcove1stfcu.com

Address 7533 Woodbury Pike, Roaring Spring, PA 16673

Phone 814-224-2744

Fax 814-224-5080

President Dianne Churbock

CEO Lynnette Hamm

Full-Time Employees 10

Part-Time Employees 0

Branch Locations 1

ATM Locations 1

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.03%

Return on Assets (ROA)

0.3747%

Return on Equity (ROE)

3.6129%

Non-Performing Loans Ratio (NPL)

0.63%

Total Assets

61,811,648

Total Amount of Shares and Deposits

55,140,165

Total Shares and Deposits < 1 Year

55,054,820

Total Shares and Deposits 1 3 Years

85,343

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

1,193,528

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

1,193,528

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

53,946,637

Total Interest Expense (Sum of items 6 8)

103,586

Share Certificates

239

Number of Accounts for Share Drafts

2,360

IRA KEOGH Accounts

208

Number of Accounts for Regular Shares

5,144

Net Income (unless the amount is already included in Undivided Earnings)

231,589

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)

8,967,399

Total Liabilities

55,401,645

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Morrisons Cove 1st 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 — no need to download or upload anything.

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

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Frequently Asked Questions About Morrisons Cove 1st Federal Credit Union

How many branches does Morrisons Cove 1st Federal Credit Union operate?

Morrisons Cove 1st 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 Morrisons Cove 1st Federal Credit Union?

Yes, to access services at Morrisons Cove 1st 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, Morrisons Cove 1st 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, Morrisons Cove 1st Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Morrisons Cove 1st Federal Credit Union offer online and mobile banking?

Most modern institutions like Morrisons Cove 1st 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.mcove1stfcu.com.