What are the current interest rates at PAHO WHO Federal Credit Union?

Current rates for PAHO WHO Federal Credit Union include: 12-Month CD: 4.13%, 24-Month CD: 4.13%, 60-Month CD: 4.13%, Savings: 0.10%

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PAHO WHO Federal Credit Union

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PAHO WHO Federal Credit Union Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, PAHO WHO 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 22, 2026

PAHO WHO Federal Credit Union's IRA CD 36 month rates are at 4.59%, IRA CD 12 month rates are at 4.13%, IRA CD 24 month rates are at 4.13%, IRA CD 48 month rates are at 4.13%, IRA CD 6 month rates are at 4.13%. PAHO WHO Federal Credit Union's savings rates are at 0.10%. PAHO WHO Federal Credit Union's Personal Loan Rates are as low as 8.75%. PAHO WHO Federal Credit Union's Credit Card Rates are at 13.00%. MonitorBankRates evaluates the financial stability of PAHO WHO Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.04%. Rates last updated and verified on 09/22/2026.

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

2.04%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

PAHO WHO Federal Credit Union
PAHO/WHO Federal Credit Union

2300 Wilson Blvd
Arlington, VA 22201

http://www.pahofcu.org

PAHO WHO Federal Credit Union CD Rates

Product	Rate	APY	Term
IRA Certificate 36 month	4.50%	4.59%	36 Months
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.04%
IRA Certificate 12 month	4.05%	4.13%	12 Months
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.04%
IRA Certificate 24 month	4.05%	4.13%	24 Months
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.04%
IRA Certificate 48 month	4.05%	4.13%	48 Months
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.04%
IRA Certificate 6 month	4.05%	4.13%	6 Months
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.04%
IRA Certificate 60 month	4.05%	4.13%	60 Months
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.04%

PAHO WHO Federal Credit Union Savings Rates

Product	Rate	APY
Wellness Builder Savings Account	3.00%	3.04%
Min Balance $5 Details Balance: $5.00 to $19,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.04%
Wellness Builder Savings Account	1.50%	1.51%
Min Balance $20,000 Details Balance: $20,000 - $49,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.04%
Regular Savings Share Accounts	0.10%	0.10%
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.04%
Wellness Builder Savings Account	0.10%	0.10%
Min Balance $50,000 Details Balance: $50,000 or more Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.04%

PAHO WHO Federal Credit Union Checking Rates

Product	Rate	APY	View More
Checking Accounts	0.05%	0.05%
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.04%

PAHO WHO Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New or Used Vehicle Loans	-	-	4.00%	36 months
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.04%
New or Used Vehicle Loans	-	-	4.50%	48 months
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.04%
New or Used Vehicle Loans	-	-	4.85%	60 months
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.04%
New or Used Vehicle Loans	-	-	6.00%	72 months
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.04%

PAHO WHO Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
Mastercard Rewards World	-	13.00%
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.04%

PAHO WHO Federal Credit Union Personal Loan Rates

Product	APR	Term
Unsecured Personal Loans	8.75%	12 months
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.04%
Unsecured Personal Loans	9.25%	24 months
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.04%
Unsecured Personal Loans	10.75%	36 months
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.04%
Unsecured Personal Loans	11.25%	48 months
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.04%
Unsecured Personal Loans	13.25%	60 months
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.04%
Unsecured Personal Loans International	15.00%	12 months
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.04%
Unsecured Personal Loans International	15.00%	24 months
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.04%

PAHO WHO Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term	View More
IRA Share Accounts	0.25%	-	0.25%
Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.04%

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.
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Financial Health History

PAHO WHO Federal Credit Union’s Texas Ratio rose from 1.04% in Q2 2023 to 2.04% 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	$326M	2.04%	5.0	A+
December 31, 2025	$323M	1.54%	5.0	A+
September 30, 2025	$321M	4.82%	5.0	A+
June 30, 2025	$321M	2.75%	5.0	A+
March 31, 2025	$322M	1.89%	5.0	A+
December 31, 2024	$321M	2.06%	5.0	A+
September 30, 2024	$341M	0.91%	5.0	A+
June 30, 2024	$331M	1.85%	5.0	A+
March 31, 2024	$327M	1.61%	5.0	A+
December 31, 2023	$321M	2.45%	5.0	A+
September 30, 2023	$296M	2.36%	5.0	A+
June 30, 2023	$292M	1.04%	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 PAHO WHO 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 PAHO WHO 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 PAHO WHO Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name PAHO WHO Federal Credit Union

Website http://www.pahofcu.org

Address 2300 Wilson Blvd, Arlington, VA 22201

Phone 202-974-3453

Fax

President Ricardo De La Torre

CEO Miguel Boluda, Jr.

Full-Time Employees 35

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

2.04%

Return on Assets (ROA)

0.1064%

Return on Equity (ROE)

0.7461%

Non-Performing Loans Ratio (NPL)

0.64%

Total Assets

325,822,595

Total Amount of Shares and Deposits

273,489,754

Total Shares and Deposits < 1 Year

258,442,692

Total Shares and Deposits 1 3 Years

14,143,250

Total Shares and Deposits > 3 Years

903,812

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

54,505,143

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

54,505,143

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

218,984,611

Total Interest Expense (Sum of items 6 8)

1,028,096

Share Certificates

1,435

Number of Accounts for Share Drafts

6,733

IRA KEOGH Accounts

122

Number of Accounts for Regular Shares

7,835

All other shares

241

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)

25,672,810

Total Liabilities

280,986,959

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

PAHO WHO 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.

Customer Reviews

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Frequently Asked Questions About PAHO WHO Federal Credit Union

How many branches does PAHO WHO Federal Credit Union operate?

PAHO WHO 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 PAHO WHO Federal Credit Union?

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

Does PAHO WHO Federal Credit Union offer online and mobile banking?

Most modern institutions like PAHO WHO 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: http://www.pahofcu.org.