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Pantex Federal Credit Union

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Pantex Federal Credit Union Rates & Review May 2026

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

Yes, to access services at Pantex 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, Pantex 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: May 16, 2026

You can compare Pantex Federal Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 3.34%, 6-month share certificate rates at 3.00% and 3-month share certificate rates at 0.05%. Savings rates are at 0.66% and money market rates are at 0.05%. Mortgage rates on 30-year fixed loans are around 6.02%. All these rates can be compared to Pantex Federal Credit Union rates. MonitorBankRates evaluates the financial stability of Pantex Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.04%. Rates were last updated on 05/16/2026.

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

Verified Strong 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

1.04%

Excellent Lower than avg

Pantex Federal Credit Union
Main Office

1300 W Wilson St
Borger, TX 79007

https://www.pantexfcu.com

Pantex Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
First Mortgage Loans	-	-	5.50%	10
No additional details. Last Updated 05/06/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.04%
First Mortgage Loans	-	-	5.75%	15
No additional details. Last Updated 05/06/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.04%

Pantex Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loans	-	-	5.60%	60
Details Loan amounts to $25,000 Last Updated 05/06/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.04%
Home Equity Loans	-	-	5.85%	84
Details Loan amounts to $25,000 Last Updated 05/06/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.04%
Home Equity Loans	-	-	6.10%	84
Details Loan amount over $25,000 Last Updated 05/06/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.04%
Home Equity Loans	-	-	6.45%	120
Details Loan amounts to $25,000 Last Updated 05/06/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.04%
Home Equity Loans	-	-	6.60%	120
Details Loan amount over $25,000 Last Updated 05/06/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.04%
Home Equity Loans	-	-	6.85%	180
Details Loan amount over $25,000 Last Updated 05/06/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.04%

Pantex Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
Pantex MasterCard	-	11.00%
Details Up to $5,000 Last Updated 05/06/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.04%

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.
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.

Methodology & Data Sources

MonitorBankRates Star Rating

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

Credit Union Profile & Overview

Credit Union Name Pantex Federal Credit Union

Website https://www.pantexfcu.com

Address 1300 W Wilson St, Borger, TX 79007

Phone 806-273-5692

Fax 806-273-5341

President Harvey Hilbert

CEO Curtis Hall

Full-Time Employees 40

Part-Time Employees 1

Branch Locations 4

ATM Locations 3

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

1.04%

Return on Assets (ROA)

0.9360%

Return on Equity (ROE)

4.5063%

Non-Performing Loans Ratio (NPL)

0.77%

Total Assets

237,926,249

Total Amount of Shares and Deposits

189,153,884

Total Shares and Deposits < 1 Year

184,949,161

Total Shares and Deposits 1 3 Years

4,204,723

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

15,368,993

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

15,368,993

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

173,784,891

Total Interest Expense (Sum of items 6 8)

2,376,663

Share Certificates

782

Number of Accounts for Share Drafts

9,817

IRA KEOGH Accounts

193

Number of Accounts for Regular Shares

14,647

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

11,500,078

Total Liabilities

191,326,611

Source: NCUA — Last Updated 09/30/2025

2026 MBR Health & Safety Badge

Pantex Federal Credit Union earned the Verified Strong badge

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Customer Reviews

There are no reviews for Pantex Federal Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Pantex Federal Credit Union

Frequently Asked Questions About Pantex Federal Credit Union

How many branches does Pantex Federal Credit Union operate?

Pantex 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 Pantex Federal Credit Union?

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

Does Pantex Federal Credit Union offer online and mobile banking?

Most modern institutions like Pantex 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.pantexfcu.com.