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Advertiser Disclosure
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 Pantex Federal Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 28, 2026
Pantex Federal Credit Union's CD - 18 month rates are at 3.82%, CD - 1 Year rates are at 3.77%, CD - 6 month rates are at 3.72%, CD - 24 month rates are at 3.15%, IRA - 18 Month CD rates are at 2.79%. Pantex Federal Credit Union's savings rates are at 0.95%. Pantex Federal Credit Union's checking rates are as high as 0.35%. Pantex Federal Credit Union's Personal Loan Rates are as low as 9.99%. Pantex Federal Credit Union's Credit Card Rates are at 11.00%. Pantex Federal Credit Union's CD rates are 24% higher than the MonitorBankRates national average, and it has an A+ health rating. 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 0.84%. Rates last updated and verified on 10/28/2026. 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. 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. Pantex Federal Credit Union CD Rates
Pantex Federal Credit Union Savings Rates
Pantex Federal Credit Union Checking Rates
Pantex Federal Credit Union Home Equity & HELOC
Pantex Federal Credit Union Auto Loan Rates
Pantex Federal Credit Union RV, Boat and Powersport Loan Rates
Pantex Federal Credit Union Credit Card Rates
Pantex Federal Credit Union Personal Loan Rates
Pantex Federal Credit Union Other Rates
Financial Health HistoryPantex Federal Credit Union’s Texas Ratio stayed near 0.98% in Q3 2023 to 0.84% 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
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates 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
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.84%
Return on Assets (ROA)
0.7657%
Return on Equity (ROE)
3.4406%
Non-Performing Loans Ratio (NPL)
0.69%
Total Assets
233,373,644
Total Amount of Shares and Deposits
183,325,935
Total Shares and Deposits < 1 Year
179,829,744
Total Shares and Deposits 1 3 Years
3,496,191
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
12,932,064
Total Uninsured Shares and Deposits > $250K (F+J)
12,932,064
Total Insured Shares and Deposits > $250K (item 17 less item K)
170,393,871
Total Interest Expense (Sum of items 6 8)
1,144,156
Share Certificates
780
Number of Accounts for Share Drafts
9,784
IRA KEOGH Accounts
183
Number of Accounts for Regular Shares
14,369
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)
7,856,556
Total Liabilities
185,245,006
Source: NCUA — Last Updated 06/30/2026
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.
Add Your Rating and Review for Pantex Federal Credit Union
Frequently Asked Questions About Pantex Federal Credit UnionDoes Pantex Federal Credit Union offer CDs?Yes. Pantex Federal Credit Union current CD rates include its CD - 18 month at 3.82% APY, its CD - 1 Year at 3.77% APY and its CD - 6 month at 3.72% APY, verified by MonitorBankRates as of October 28, 2026. Are CDs from Pantex Federal Credit Union NCUA insured?Yes. Pantex 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 Pantex Federal Credit Union?The highest Pantex Federal Credit Union CD rate is its CD - 18 month at 3.82% APY, verified by MonitorBankRates as of October 28, 2026. What CD terms does Pantex Federal Credit Union offer?Pantex Federal Credit Union CD rates are 3.72% APY for a 6 month CD, 3.77% APY for a 12 month CD, 3.82% APY for an 18 month CD and 3.15% APY for a 2 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 Pantex Federal Credit Union for its full lineup. What is the highest savings rate at Pantex Federal Credit Union?The highest Pantex Federal Credit Union savings rate is its Share (Savings) at 0.95% APY, verified by MonitorBankRates as of October 28, 2026. What is the highest checking rate at Pantex Federal Credit Union?The highest Pantex Federal Credit Union checking rate is its Share Draft (Checking) at 0.35% APY, verified by MonitorBankRates as of October 28, 2026. What is the lowest auto loan rate at Pantex Federal Credit Union?The lowest Pantex Federal Credit Union auto loan rate is its New Vehicle Loan at 5.00% APR, verified by MonitorBankRates as of October 28, 2026. What is the lowest personal loan rate at Pantex Federal Credit Union?The lowest Pantex Federal Credit Union personal loan rate is its Signature Loan at 9.99% APR, verified by MonitorBankRates as of October 28, 2026. What is the lowest credit card APR at Pantex Federal Credit Union?The lowest Pantex Federal Credit Union credit card APR is its Pantex MasterCard Credit Card at 11.00% APR, verified by MonitorBankRates as of October 28, 2026. 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. 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 Pantex Federal Credit Union rates compare?Pantex Federal Credit Union's CD rates are 24% higher than the MonitorBankRates national average, and it has an A+ health rating. Pantex Federal Credit Union's top rates are its CD - 18 month at 3.82% APY, its Share (Savings) at 0.95% APY, its Share Draft (Checking) at 0.35% APY, its Signature Loan at 9.99% APR and its Pantex MasterCard Credit Card at 11.00% APR, verified by MonitorBankRates on October 28, 2026. Current Pantex Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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