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PALCO Federal Credit Union

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PALCO Federal Credit Union Rates & Review August 2026

Q: Is a member application needed to join PALCO Federal Credit Union?

Yes, to access services at PALCO 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, PALCO 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

PALCO 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 share certificate rates are currently at 2.89%, 6-month share certificate rates at 2.75% and 3-month share certificate rates at 2.65%. 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 PALCO Federal Credit Union, and you can see how they compare in the PALCO Federal Credit Union rate tables below. MonitorBankRates evaluates the financial stability of PALCO Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.54%. Database rates last updated and verified on 08/29/2026.

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

Exceptional Health Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.54%

Excellent Lower than avg

PALCO Federal Credit Union
Palco Federal Credit Union

191 Chad Rd
Muncy, PA 17756 8146

https://www.palcofcu.org

Current Rate Availability

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

Are you with PALCO Federal Credit Union? We'd love to add your institution's rates. Contact us to get your institution's rates listed on MonitorBankRates.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for PALCO 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 PALCO 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 PALCO Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name PALCO Federal Credit Union

Website https://www.palcofcu.org

Address 191 Chad Rd, Muncy, PA 17756 8146

Phone 570-546-2333

Fax 570-546-6868

President Christopher McKeown

CEO Scott Naughton

Full-Time Employees 14

Part-Time Employees 2

Branch Locations 2

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+ (100/100)

Texas Ratio

0.54%

Return on Assets (ROA)

1.1362%

Return on Equity (ROE)

8.8653%

Non-Performing Loans Ratio (NPL)

0.16%

Total Assets

103,472,769

Total Amount of Shares and Deposits

91,870,392

Total Shares and Deposits < 1 Year

83,626,879

Total Shares and Deposits 1 3 Years

5,228,556

Total Shares and Deposits > 3 Years

3,014,957

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

4,382,807

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

4,382,807

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

87,487,585

Total Interest Expense (Sum of items 6 8)

768,756

Share Certificates

1,010

Number of Accounts for Share Drafts

3,659

Number of Accounts for Regular Shares

7,164

Money Market Shares

110

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)

10,248,940

Total Liabilities

90,300,002

Source: NCUA — Last Updated 09/30/2025

2026 MBR Health & Safety Badge

PALCO Federal Credit Union earned the Exceptional Health 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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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-a-2026.svg"
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       width="160" height="160">
</a>

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

Customer Reviews

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Frequently Asked Questions About PALCO Federal Credit Union

How many branches does PALCO Federal Credit Union operate?

PALCO 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 PALCO Federal Credit Union?

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

Does PALCO Federal Credit Union offer online and mobile banking?

Most modern institutions like PALCO 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.palcofcu.org.