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PALCO Federal Credit Union

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PALCO Federal Credit Union Rates & Review November 2026

Q: What are the current interest rates at PALCO Federal Credit Union?

Current rates for PALCO Federal Credit Union include: 12-Month CD: 3.85%, 18-Month CD: 3.91%, 24-Month CD: 3.96%, 60-Month CD: 4.11%, Savings: 2.63%, MMA: 2.58%

Q: What CD terms does PALCO Federal Credit Union offer?

PALCO Federal Credit Union CD rates are 3.85% APY for a 12 month CD, 3.91% APY for an 18 month CD, 3.96% APY for a 2 year CD, 4.01% APY for a 3 year CD, 4.06% APY for a 4 year CD and 4.11% APY for a 5 year CD, verified by MonitorBankRates as of October 28, 2026. The institution may offer other terms or specials that are not listed here, so check with PALCO Federal Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 28, 2026

PALCO Federal Credit Union's 60 Month CD Accounts - Junior CD rates are at 4.11%, 60 Month CD Accounts - Regular CD rates are at 4.11%, 48 Month CD Accounts - Junior CD rates are at 4.06%, 48 Month CD Accounts - Regular CD rates are at 4.06%, 36 Month CD Accounts - Junior CD rates are at 4.01%. PALCO Federal Credit Union's savings rates are at 2.63%. PALCO Federal Credit Union's money market rates are at 2.58%. PALCO Federal Credit Union's Personal Loan Rates are as low as 8.00%. PALCO Federal Credit Union's Credit Card Rates are at 10.90%. PALCO Federal Credit Union's CD rates are 37% higher than the MonitorBankRates national average, and it has an A+ health rating. 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 0.66%. Rates last updated and verified on 10/28/2026.

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.

Verified Healthy 2026 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

0.66%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

PALCO Federal Credit Union
Palco Federal Credit Union

191 Chad Rd
Muncy, PA 17756-8146

https://www.palcofcu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

PALCO Federal Credit Union CD Rates

Product	Rate	APY	Term
60 Month Certificate Accounts - Junior Share Certificate	4.05%	4.11%	60 months
Min Deposit $250 Min Balance $250 Details Balance: $250.00-4,999.00; Early Withdrawal: 1 Year; Members 18 and under; joint owner over 18 required Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 4.11% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.66%
60 Month Certificate Accounts - Junior Share Certificate	4.05%	4.11%	60 months
Min Deposit $250 Min Balance $5,000 Details Balance: $5,000.00-9,999.00; Early Withdrawal: 1 Year; Members 18 and under; joint owner over 18 required Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 4.11% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.66%
60 Month Certificate Accounts - Junior Share Certificate	4.05%	4.11%	60 months
Min Deposit $250 Min Balance $10,000 Details Balance: $10,000.00 and up; Early Withdrawal: 1 Year; Members 18 and under; joint owner over 18 required Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 4.11% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.66%
60 Month Certificate Accounts - Regular Share Certificate	4.05%	4.11%	60 months
Min Deposit $500 Min Balance $250 Details Balance: $250.00-4,999.00; Early Withdrawal: 1 Year Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 4.11% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.66%
60 Month Certificate Accounts - Regular Share Certificate	4.05%	4.11%	60 months
Min Deposit $500 Min Balance $5,000 Details Balance: $5,000.00-9,999.00; Early Withdrawal: 1 Year Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 4.11% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.66%
60 Month Certificate Accounts - Regular Share Certificate	4.05%	4.11%	60 months
Min Deposit $500 Min Balance $10,000 Details Balance: $10,000.00 and up; Early Withdrawal: 1 Year Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 4.11% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.66%
48 Month Certificate Accounts - Junior Share Certificate	4.00%	4.06%	48 months
Min Deposit $250 Min Balance $250 Details Balance: $250.00-4,999.00; Early Withdrawal: 1 Year; Members 18 and under; joint owner over 18 required Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 4.06% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.66%
48 Month Certificate Accounts - Junior Share Certificate	4.00%	4.06%	48 months
Min Deposit $250 Min Balance $5,000 Details Balance: $5,000.00-9,999.00; Early Withdrawal: 1 Year; Members 18 and under; joint owner over 18 required Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 4.06% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.66%
48 Month Certificate Accounts - Junior Share Certificate	4.00%	4.06%	48 months
Min Deposit $250 Min Balance $10,000 Details Balance: $10,000.00 and up; Early Withdrawal: 1 Year; Members 18 and under; joint owner over 18 required Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 4.06% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.66%
48 Month Certificate Accounts - Regular Share Certificate	4.00%	4.06%	48 months
Min Deposit $500 Min Balance $250 Details Balance: $250.00-4,999.00; Early Withdrawal: 1 Year Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 4.06% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.66%
48 Month Certificate Accounts - Regular Share Certificate	4.00%	4.06%	48 months
Min Deposit $500 Min Balance $5,000 Details Balance: $5,000.00-9,999.00; Early Withdrawal: 1 Year Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 4.06% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.66%
48 Month Certificate Accounts - Regular Share Certificate	4.00%	4.06%	48 months
Min Deposit $500 Min Balance $10,000 Details Balance: $10,000.00 and up; Early Withdrawal: 1 Year Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 4.06% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.66%
36 Month Certificate Accounts - Junior Share Certificate	3.95%	4.01%	36 months
Min Deposit $250 Min Balance $250 Details Balance: $250.00-4,999.00; Early Withdrawal: 1 Year; Members 18 and under; joint owner over 18 required Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 4.01% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.66%
36 Month Certificate Accounts - Junior Share Certificate	3.95%	4.01%	36 months
Min Deposit $250 Min Balance $5,000 Details Balance: $5,000.00-9,999.00; Early Withdrawal: 1 Year; Members 18 and under; joint owner over 18 required Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 4.01% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.66%
36 Month Certificate Accounts - Junior Share Certificate	3.95%	4.01%	36 months
Min Deposit $250 Min Balance $10,000 Details Balance: $10,000.00 and up; Early Withdrawal: 1 Year; Members 18 and under; joint owner over 18 required Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 4.01% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.66%
36 Month Certificate Accounts - Regular Share Certificate	3.95%	4.01%	36 months
Min Deposit $500 Min Balance $250 Details Balance: $250.00-4,999.00; Early Withdrawal: 1 Year Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 4.01% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.66%
36 Month Certificate Accounts - Regular Share Certificate	3.95%	4.01%	36 months
Min Deposit $500 Min Balance $5,000 Details Balance: $5,000.00-9,999.00; Early Withdrawal: 1 Year Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 4.01% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.66%
36 Month Certificate Accounts - Regular Share Certificate	3.95%	4.01%	36 months
Min Deposit $500 Min Balance $10,000 Details Balance: $10,000.00 and up; Early Withdrawal: 1 Year Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 4.01% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.66%
24 Month Certificate Accounts - Junior Share Certificate	3.90%	3.96%	24 months
Min Deposit $250 Min Balance $250 Details Balance: $250.00-4,999.00; Early Withdrawal: 1 Year; Members 18 and under; joint owner over 18 required Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 3.96% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.66%
24 Month Certificate Accounts - Junior Share Certificate	3.90%	3.96%	24 months
Min Deposit $250 Min Balance $5,000 Details Balance: $5,000.00-9,999.00; Early Withdrawal: 1 Year; Members 18 and under; joint owner over 18 required Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 3.96% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.66%
24 Month Certificate Accounts - Junior Share Certificate	3.90%	3.96%	24 months
Min Deposit $250 Min Balance $10,000 Details Balance: $10,000.00 and up; Early Withdrawal: 1 Year; Members 18 and under; joint owner over 18 required Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 3.96% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.66%
24 Month Certificate Accounts - Regular Share Certificate	3.90%	3.96%	24 months
Min Deposit $500 Min Balance $250 Details Balance: $250.00-4,999.00; Early Withdrawal: 1 Year Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 3.96% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.66%
24 Month Certificate Accounts - Regular Share Certificate	3.90%	3.96%	24 months
Min Deposit $500 Min Balance $5,000 Details Balance: $5,000.00-9,999.00; Early Withdrawal: 1 Year Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 3.96% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.66%
24 Month Certificate Accounts - Regular Share Certificate	3.90%	3.96%	24 months
Min Deposit $500 Min Balance $10,000 Details Balance: $10,000.00 and up; Early Withdrawal: 1 Year Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 3.96% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.66%
18 Month Certificate Accounts - Junior Share Certificate	3.85%	3.91%	18 months
Min Deposit $250 Min Balance $250 Details Balance: $250.00-4,999.00; Early Withdrawal: 90 Days; Members 18 and under; joint owner over 18 required Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 3.91% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.66%
18 Month Certificate Accounts - Junior Share Certificate	3.85%	3.91%	18 months
Min Deposit $250 Min Balance $5,000 Details Balance: $5,000.00-9,999.00; Early Withdrawal: 90 Days; Members 18 and under; joint owner over 18 required Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 3.91% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.66%
18 Month Certificate Accounts - Junior Share Certificate	3.85%	3.91%	18 months
Min Deposit $250 Min Balance $10,000 Details Balance: $10,000.00 and up; Early Withdrawal: 90 Days; Members 18 and under; joint owner over 18 required Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 3.91% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.66%
18 Month Certificate Accounts - Regular Share Certificate	3.85%	3.91%	18 months
Min Deposit $500 Min Balance $250 Details Balance: $250.00-4,999.00; Early Withdrawal: 90 Days Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 3.91% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.66%
18 Month Certificate Accounts - Regular Share Certificate	3.85%	3.91%	18 months
Min Deposit $500 Min Balance $5,000 Details Balance: $5,000.00-9,999.00; Early Withdrawal: 90 Days Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 3.91% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.66%
18 Month Certificate Accounts - Regular Share Certificate	3.85%	3.91%	18 months
Min Deposit $500 Min Balance $10,000 Details Balance: $10,000.00 and up; Early Withdrawal: 90 Days Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 3.91% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.66%
12 Month Certificate Accounts - Junior Share Certificate	3.80%	3.85%	12 months
Min Deposit $250 Min Balance $250 Details Balance: $250.00-4,999.00; Early Withdrawal: 90 Days; Members 18 and under; joint owner over 18 required Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 3.85% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.66%
12 Month Certificate Accounts - Junior Share Certificate	3.80%	3.85%	12 months
Min Deposit $250 Min Balance $5,000 Details Balance: $5,000.00-9,999.00; Early Withdrawal: 90 Days; Members 18 and under; joint owner over 18 required Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 3.85% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.66%
12 Month Certificate Accounts - Junior Share Certificate	3.80%	3.85%	12 months
Min Deposit $250 Min Balance $10,000 Details Balance: $10,000.00 and up; Early Withdrawal: 90 Days; Members 18 and under; joint owner over 18 required Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 3.85% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.66%
12 Month Certificate Accounts - Regular Share Certificate	3.80%	3.85%	12 months
Min Deposit $500 Min Balance $250 Details Balance: $250.00-4,999.00; Early Withdrawal: 90 Days Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 3.85% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.66%
12 Month Certificate Accounts - Regular Share Certificate	3.80%	3.85%	12 months
Min Deposit $500 Min Balance $5,000 Details Balance: $5,000.00-9,999.00; Early Withdrawal: 90 Days Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 3.85% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.66%
12 Month Certificate Accounts - Regular Share Certificate	3.80%	3.85%	12 months
Min Deposit $500 Min Balance $10,000 Details Balance: $10,000.00 and up; Early Withdrawal: 90 Days Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 3.85% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.66%
6 month Certificate Accounts - Regular Share Certificate	3.75%	3.75%	6 months
Min Deposit $1,000 Min Balance $250 Details Balance: $250.00-4,999.00; Early Withdrawal: 30 Days; APY not published Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 3.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.66%
6 month Certificate Accounts - Regular Share Certificate	3.75%	3.75%	6 months
Min Deposit $1,000 Min Balance $5,000 Details Balance: $5,000.00-9,999.00; Early Withdrawal: 30 Days; APY not published Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 3.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.66%
6 month Certificate Accounts - Regular Share Certificate	3.75%	3.75%	6 months
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000.00 and up; Early Withdrawal: 30 Days; APY not published Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 3.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.66%

PALCO Federal Credit Union Savings Rates

Product	Rate	APY
Money Market Savings	2.60%	2.63%
Min Balance $75,000 Details Balance: $75,000.01 and Over; September 2026 Declared Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 2.63% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.66%
Money Market Savings	2.55%	2.58%
Min Balance $20,000 Details Balance: $20,000.00 - $75,000.00; September 2026 Declared Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 2.58% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.66%
Money Market Savings	2.50%	2.53%
Min Balance $2,000 Details Balance: $2,000.00 - $20,000.00; September 2026 Declared Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 2.53% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.66%

PALCO Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market Savings	2.60%	2.63%
Min Balance $75,000 Details Balance: $75,000.01 and Over; September 2026 Declared Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 2.63% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.66%
Money Market Savings	2.55%	2.58%
Min Balance $20,000 Details Balance: $20,000.00 - $75,000.00; September 2026 Declared Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 2.58% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.66%
Money Market Savings	2.50%	2.53%
Min Balance $2,000 Details Balance: $2,000.00 - $20,000.00; September 2026 Declared Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 2.53% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.66%

PALCO Federal Credit Union Checking Rates

Product	Rate	APY
Money Market Checking	2.55%	2.58%
Min Balance $10,000 Details Balance: $10,000.00 and over; September 2026 Declared; October 2026 Anticipated APR 2.55%, APY 2.58% Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 2.58% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.66%
Money Market Checking	2.50%	2.53%
Min Balance $2,500 Details Balance: $2,500.00 - $10,000.00; September 2026 Declared; October 2026 Anticipated APR 2.50%, APY 2.53% Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 2.53% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.66%
Checking (S75)	0.00%	0.00%
Details 3rd Quarter 2026 Declared; 4th Quarter 2026 Anticipated: 0.00 APR / 0.00 APY Last Updated 10/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.66%

PALCO Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan	-	-	5.24%	5 years or less
Details As Low As; Limit $200,000 - Max LTV: 80% Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 5.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.66%
Home Equity Line of Credit	-	-	5.50%
Details As Low As; Limit: $200,000; Max LTV: 80%; Rate based on WSJ Prime Rate as of July 1, 2026 Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 5.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.66%
Home Equity Loan	-	-	5.54%	Up to 7 years
Details As Low As; Limit $200,000 - Max LTV: 80% Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 5.54% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.66%
Home Equity Loan	-	-	5.89%	Up to 10 years
Details As Low As; Limit $200,000 - Max LTV: 80% Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 5.89% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.66%
Home Equity Loan	-	-	5.99%	Up to 15 years
Details As Low As; Limit $200,000 - Max LTV: 80% Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 5.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.66%

PALCO Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
RV, Powersports, & Other Titled Vehicles Loan	-	-	4.69%	Up to 36 months
Details As Low As; Up to 110% LTV (LTV based on NADA retail or MSRP); Max mileage: 75,000 gas / 100,000 diesel; Rates include 0.50% discount for automatic payments from a PALCO FCU deposit account Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 4.69% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.66%
Vehicle Loans	-	-	4.74%	Up to 36 months
Details As Low As; Up to 130% LTV (LTV based on NADA retail or MSRP); Maximum mileage: 125,000 gas / 175,000 diesel; Rates include 0.50% discount for automatic payments from a PALCO FCU deposit account Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 4.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.66%
RV, Powersports, & Other Titled Vehicles Loan	-	-	4.94%	Up to 48 months
Details As Low As; Up to 110% LTV (LTV based on NADA retail or MSRP); Max mileage: 75,000 gas / 100,000 diesel; Rates include 0.50% discount for automatic payments from a PALCO FCU deposit account Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 4.94% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.66%
RV, Powersports, & Other Titled Vehicles Loan	-	-	5.14%	Up to 60 months
Details As Low As; Up to 110% LTV (LTV based on NADA retail or MSRP); Max mileage: 75,000 gas / 100,000 diesel; Rates include 0.50% discount for automatic payments from a PALCO FCU deposit account Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 5.14% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.66%
Vehicle Loans	-	-	5.24%	Up to 48 months
Details As Low As; Up to 130% LTV (LTV based on NADA retail or MSRP); Maximum mileage: 125,000 gas / 175,000 diesel; Rates include 0.50% discount for automatic payments from a PALCO FCU deposit account Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 5.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.66%
Vehicle Loans	-	-	5.64%	Up to 60 months
Details As Low As; Up to 130% LTV (LTV based on NADA retail or MSRP); Maximum mileage: 125,000 gas / 175,000 diesel; Rates include 0.50% discount for automatic payments from a PALCO FCU deposit account Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 5.64% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.66%
RV, Powersports, & Other Titled Vehicles Loan	-	-	5.69%	Up to 72 months
Details As Low As; Up to 110% LTV (LTV based on NADA retail or MSRP); Max mileage: 75,000 gas / 100,000 diesel; Rates include 0.50% discount for automatic payments from a PALCO FCU deposit account Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 5.69% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.66%
Vehicle Loans	-	-	5.74%	Up to 72 months
Details As Low As; Up to 130% LTV (LTV based on NADA retail or MSRP); Maximum mileage: 125,000 gas / 175,000 diesel; Rates include 0.50% discount for automatic payments from a PALCO FCU deposit account Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 5.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.66%
RV, Powersports, & Other Titled Vehicles Loan	-	-	5.94%	Up to 84 months
Details As Low As; Up to 110% LTV (LTV based on NADA retail or MSRP); 84 months term must be $20,000 min amount financed; Max mileage: 75,000 gas / 100,000 diesel; Rates include 0.50% discount for automatic payments from a PALCO FCU deposit account Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 5.94% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.66%
Vehicle Loans	-	-	6.24%	Up to 84 months
Details As Low As; Up to 130% LTV (LTV based on NADA retail or MSRP); $20,000 min amount financed; only on 5-year-old or newer vehicles; Maximum mileage: 125,000 gas / 175,000 diesel; Rates include 0.50% discount for automatic payments from a PALCO FCU deposit account Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 6.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.66%
RV, Powersports, & Other Titled Vehicles Loan	-	-	6.94%	Up to 96 months
Details As Low As; Up to 110% LTV (LTV based on NADA retail or MSRP); 96 and 120 months term must be $40,000 min amount financed; Max mileage: 75,000 gas / 100,000 diesel; Rates include 0.50% discount for automatic payments from a PALCO FCU deposit account Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 6.94% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.66%
RV, Powersports, & Other Titled Vehicles Loan	-	-	7.14%	Up to 120 months
Details As Low As; Up to 110% LTV (LTV based on NADA retail or MSRP); 96 and 120 months term must be $40,000 min amount financed; Max mileage: 75,000 gas / 100,000 diesel; Rates include 0.50% discount for automatic payments from a PALCO FCU deposit account Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 7.14% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.66%

PALCO Federal Credit Union Credit Card Rates

Product	Rate	APR
PALCO VISA Classic Credit Card	-	10.90%
Details As Low As; APR on purchases, balance transfers, and cash advances; No annual fee; No balance transfer fees; No cash advance fees; Up to $25,000.00 credit limit; No foreign transaction fees; *some restrictions apply Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 10.90% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.66%
Visa Classic Credit Card	-	10.90%
Details Fixed APR Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 10.90% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.66%
PALCO VISA Rewards Credit Card	-	15.90%
Details As Low As; APR on purchases, balance transfers, and cash advances; Earn 1 point per every dollar spent; uChoose Rewards program; No annual fee; No balance transfer fees; No cash advance fees; Up to $25,000.00 credit limit; Auto rental damage benefits; No foreign transaction fees Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 15.90% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.66%
Visa Rewards Credit Card	-	15.90%
No additional details. Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 15.90% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.66%

PALCO Federal Credit Union Personal Loan Rates

Product	APR	Term
Personal Line of Credit	8.00%
Details As Low As; Limit: $10,000; Rate Based on WSJ Prime Rate as of July 1, 2026 Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 8.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.66%
Personal Loan	9.24%	Up to 60 months
Details As Low As; Combination of all unsecured loans cannot exceed $25,000 Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 9.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.66%

PALCO Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term	View More
Holiday Helper Loan	-	-	8.99%	12 months
Details As Low As; Only Available 10/1/2026 - 1/31/2027 Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 8.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.66%

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

PALCO Federal Credit Union’s Texas Ratio stayed near 0.88% in Q3 2023 to 0.66% in Q2 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
June 30, 2026	$109M	0.66%	5.0	A+
March 31, 2026	$109M	0.28%	5.0	A+
December 31, 2025	$106M	1.21%	5.0	A+
September 30, 2025	$103M	0.54%	5.0	A+
June 30, 2025	$104M	0.92%	5.0	A+
March 31, 2025	$103M	0.36%	5.0	A+
December 31, 2024	$100M	0.21%	5.0	A+
September 30, 2024	$99M	0.36%	5.0	A+
June 30, 2024	$100M	0.84%	5.0	A+
March 31, 2024	$99M	0.87%	5.0	A+
December 31, 2023	$97M	1.95%	5.0	A+
September 30, 2023	$96M	0.88%	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 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 16

Part-Time Employees 2

Branch Locations 2

ATM Locations 2

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

0.66%

Return on Assets (ROA)

0.6381%

Return on Equity (ROE)

4.8688%

Non-Performing Loans Ratio (NPL)

0.20%

Total Assets

109,285,047

Total Amount of Shares and Deposits

97,051,311

Total Shares and Deposits < 1 Year

88,558,144

Total Shares and Deposits 1 3 Years

6,881,466

Total Shares and Deposits > 3 Years

1,611,701

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

4,668,887

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

4,668,887

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

92,382,424

Total Interest Expense (Sum of items 6 8)

517,006

Share Certificates

1,020

Number of Accounts for Share Drafts

3,656

Number of Accounts for Regular Shares

7,226

Money Market Shares

125

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)

12,090,650

Total Liabilities

95,412,505

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

PALCO Federal Credit Union earned the Verified Healthy badge

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

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About PALCO Federal Credit Union

Does PALCO Federal Credit Union offer CDs?

Yes. PALCO Federal Credit Union current CD rates include its 60 Month CD Accounts - Junior CD at 4.11% APY, its 60 Month CD Accounts - Regular CD at 4.11% APY and its 48 Month CD Accounts - Junior CD at 4.06% APY, verified by MonitorBankRates as of October 28, 2026.

Are CDs from PALCO Federal Credit Union NCUA insured?

Yes. PALCO Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at PALCO Federal Credit Union?

The highest PALCO Federal Credit Union CD rate is its 60 Month CD Accounts - Junior CD at 4.11% APY, verified by MonitorBankRates as of October 28, 2026.

What CD terms does PALCO Federal Credit Union offer?

PALCO Federal Credit Union CD rates are 3.85% APY for a 12 month CD, 3.91% APY for an 18 month CD, 3.96% APY for a 2 year CD, 4.01% APY for a 3 year CD, 4.06% APY for a 4 year CD and 4.11% APY for a 5 year CD, verified by MonitorBankRates as of October 28, 2026. The institution may offer other terms or specials that are not listed here, so check with PALCO Federal Credit Union for its full lineup.

What is the highest money market rate at PALCO Federal Credit Union?

The highest PALCO Federal Credit Union money market rate is its Money Market Savings at 2.63% APY, verified by MonitorBankRates as of October 28, 2026.

What is the highest checking rate at PALCO Federal Credit Union?

The highest PALCO Federal Credit Union checking rate is its Money Market Checking at 2.58% APY, verified by MonitorBankRates as of October 28, 2026.

What is the lowest auto loan rate at PALCO Federal Credit Union?

The lowest PALCO Federal Credit Union auto loan rate is its RV, Powersports, & Other Titled Vehicles Loan at 4.69% APR, verified by MonitorBankRates as of October 28, 2026.

What is the lowest personal loan rate at PALCO Federal Credit Union?

The lowest PALCO Federal Credit Union personal loan rate is its Personal Line of Credit at 8.00% APR, verified by MonitorBankRates as of October 28, 2026.

What is the lowest credit card APR at PALCO Federal Credit Union?

The lowest PALCO Federal Credit Union credit card APR is its PALCO VISA Classic Credit Card at 10.90% APR, verified by MonitorBankRates as of October 28, 2026.

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.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do PALCO Federal Credit Union rates compare?

PALCO Federal Credit Union's CD rates are 37% higher than the MonitorBankRates national average, and it has an A+ health rating. PALCO Federal Credit Union's top rates are its 60 Month CD Accounts - Junior CD at 4.11% APY, its Money Market Savings at 2.63% APY, its Money Market Checking at 2.58% APY, its Personal Line of Credit at 8.00% APR and its PALCO VISA Classic Credit Card at 10.90% APR, verified by MonitorBankRates on October 28, 2026.

Current PALCO Federal Credit Union Rates

12-Month CD3.85%
18-Month CD3.91%
24-Month CD3.96%
60-Month CD4.11%
Savings2.63%
MMA2.58%

Retrieved from our database of financial products. Rates subject to change.

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PALCO Federal Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

PALCO Federal Credit Union Texas Ratio

PALCO Federal Credit Union Health Trend

PALCO Federal Credit Union CD Rates

PALCO Federal Credit Union Savings Rates

PALCO Federal Credit Union Money Market Rates

PALCO Federal Credit Union Checking Rates

PALCO Federal Credit Union Home Equity & HELOC

PALCO Federal Credit Union Auto Loan Rates

PALCO Federal Credit Union Credit Card Rates

PALCO Federal Credit Union Personal Loan Rates

PALCO Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

PALCO Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About PALCO Federal Credit Union

Does PALCO Federal Credit Union offer CDs?

Are CDs from PALCO Federal Credit Union NCUA insured?

What is the highest CD rate at PALCO Federal Credit Union?

What CD terms does PALCO Federal Credit Union offer?

What is the highest money market rate at PALCO Federal Credit Union?

What is the highest checking rate at PALCO Federal Credit Union?

What is the lowest auto loan rate at PALCO Federal Credit Union?

What is the lowest personal loan rate at PALCO Federal Credit Union?

What is the lowest credit card APR at PALCO Federal Credit Union?

How many branches does PALCO Federal Credit Union operate?

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

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does PALCO Federal Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do PALCO Federal Credit Union rates compare?

Current PALCO Federal Credit Union Rates

Compare to Other Credit Unions