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Pasadena Federal Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
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.
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
Pasadena Federal Credit Union's 13-month CD Promotion rates are at 4.00%, 12 - 23 Month CD rates are at 3.50%, 12-23 month CD rates are at 3.50%, 6 - 11 Month CD rates are at 3.40%, 6-11 month CD rates are at 3.40%. Pasadena Federal Credit Union's savings rates are at 1.00%. Pasadena Federal Credit Union's money market rates are at 0.85%. Pasadena Federal Credit Union's checking rates are as high as 0.05%. Pasadena Federal Credit Union's Personal Loan Rates are as low as 12.00%. Pasadena Federal Credit Union's CD rates are 21% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Pasadena Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.47%. Rates last updated and verified on 10/28/2026.
Pasadena 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 Pasadena Federal Credit Union? Share your experience about Pasadena Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Pasadena Federal Credit Union.
Pasadena Federal Credit Union has earned an overall safety grade of A+ (Exceptional, Score: 99/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Pasadena Federal Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
1.47%
ExcellentLower than avg
Pasadena Federal Credit Union Texas Ratio
Pasadena Federal Credit Union's Texas Ratio is 1.47%, which is considered excellent and is lower than the national average of 6.13%.
Pasadena Federal Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
0.23% to 1.47% over 12 quarters, very strongFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this credit union has stayed very strong since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
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.
Pasadena Federal Credit Union CD Rates
Product
Rate
APY
Term
View More
13-month Certificate Promotion
-
4.00%
13-month
Min Balance$500
DetailsBalance: $500 and Over; Minimum opening balance of $500 must be maintained for full term; new money to PCU only; consumer certificates only; renews automatically to 13-month certificate at posted rate; dividends paid monthly; limited time offer
Last Updated10/28/2026
Rate History
No change since Sep 25, 2026 · 4.00% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
12 - 23 Month Certificate
-
3.50%
12-23 month
Min Balance$100,000
DetailsBalance: $100,000 and over; Dividends paid monthly
Last Updated10/28/2026
Rate History
No change since Oct 15, 2026 · 3.50% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
12-23 month Certificate
-
3.50%
12-23 months
Min Balance$100,000
DetailsBalance: $100,000 and over; Dividends paid monthly
Last Updated10/28/2026
Rate History
No change since Oct 4, 2026 · 3.50% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
6 - 11 Month Certificate
-
3.40%
6-11 month
Min Balance$100,000
DetailsBalance: $100,000 and over; Dividends paid monthly
Last Updated10/28/2026
Rate History
No change since Oct 15, 2026 · 3.40% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
6-11 month Certificate
-
3.40%
6-11 months
Min Balance$100,000
DetailsBalance: $100,000 and over; Dividends paid monthly
Last Updated10/28/2026
Rate History
No change since Oct 4, 2026 · 3.40% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
12 - 23 Month Certificate
-
3.25%
12-23 month
Min Balance$1,000
DetailsBalance: $1,000 to $99,999.99; Dividends paid monthly
Last Updated10/28/2026
Rate History
No change since Oct 15, 2026 · 3.25% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
12-23 month Certificate
-
3.25%
12-23 months
Min Balance$1,000
DetailsBalance: $1,000 to $99,999.99; Dividends paid monthly
Last Updated10/28/2026
Rate History
No change since Oct 4, 2026 · 3.25% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
24 - 35 Month Certificate
-
3.25%
24-35 month
Min Balance$100,000
DetailsBalance: $100,000 and over; Dividends paid monthly
Last Updated10/28/2026
Rate History
No change since Oct 15, 2026 · 3.25% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
24-35 month Certificate
-
3.25%
24-35 months
Min Balance$100,000
DetailsBalance: $100,000 and over; Dividends paid monthly
Last Updated10/28/2026
Rate History
No change since Oct 4, 2026 · 3.25% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
3 Month Certificate
-
3.25%
3-month
Min Balance$100,000
DetailsBalance: $100,000 and over; Dividends paid monthly
Last Updated10/28/2026
Rate History
No change since Sep 25, 2026 · 3.25% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
36 - 47 Month Certificate
-
3.25%
36-47 month
Min Balance$100,000
DetailsBalance: $100,000 and over; Dividends paid monthly
Last Updated10/28/2026
Rate History
No change since Oct 15, 2026 · 3.25% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
36-47 month Certificate
-
3.25%
36-47 months
Min Balance$100,000
DetailsBalance: $100,000 and over; Dividends paid monthly
Last Updated10/28/2026
Rate History
No change since Oct 4, 2026 · 3.25% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
48 - 59 Month Certificate
-
3.25%
48-59 month
Min Balance$100,000
DetailsBalance: $100,000 and over; Dividends paid monthly
Last Updated10/28/2026
Rate History
No change since Oct 15, 2026 · 3.25% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
48-59 month Certificate
-
3.25%
48-59 months
Min Balance$100,000
DetailsBalance: $100,000 and over; Dividends paid monthly
Last Updated10/28/2026
Rate History
No change since Oct 4, 2026 · 3.25% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
60 Month Certificate
-
3.25%
60 month
Min Balance$100,000
DetailsBalance: $100,000 and over; Dividends paid monthly
Last Updated10/28/2026
Rate History
No change since Sep 25, 2026 · 3.25% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
6 - 11 Month Certificate
-
3.15%
6-11 month
Min Balance$1,000
DetailsBalance: $1,000 to $99,999.99; Dividends paid monthly
Last Updated10/28/2026
Rate History
No change since Oct 15, 2026 · 3.15% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
6-11 month Certificate
-
3.15%
6-11 months
Min Balance$1,000
DetailsBalance: $1,000 to $99,999.99; Dividends paid monthly
Last Updated10/28/2026
Rate History
No change since Oct 4, 2026 · 3.15% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
24 - 35 Month Certificate
-
3.00%
24-35 month
Min Balance$1,000
DetailsBalance: $1,000 to $99,999.99; Dividends paid monthly
Last Updated10/28/2026
Rate History
No change since Oct 15, 2026 · 3.00% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
24-35 month Certificate
-
3.00%
24-35 months
Min Balance$1,000
DetailsBalance: $1,000 to $99,999.99; Dividends paid monthly
Last Updated10/28/2026
Rate History
No change since Oct 4, 2026 · 3.00% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
3 Month Certificate
-
3.00%
3-month
Min Balance$10,000
DetailsBalance: $10,000 to $99,999.99; Dividends paid monthly
Last Updated10/28/2026
Rate History
No change since Sep 25, 2026 · 3.00% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
36 - 47 Month Certificate
-
3.00%
36-47 month
Min Balance$1,000
DetailsBalance: $1,000 to $99,999.99; Dividends paid monthly
Last Updated10/28/2026
Rate History
No change since Oct 15, 2026 · 3.00% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
36-47 month Certificate
-
3.00%
36-47 months
Min Balance$1,000
DetailsBalance: $1,000 to $99,999.99; Dividends paid monthly
Last Updated10/28/2026
Rate History
No change since Oct 4, 2026 · 3.00% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
48 - 59 Month Certificate
-
3.00%
48-59 month
Min Balance$1,000
DetailsBalance: $1,000 to $99,999.99; Dividends paid monthly
Last Updated10/28/2026
Rate History
No change since Oct 15, 2026 · 3.00% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
48-59 month Certificate
-
3.00%
48-59 months
Min Balance$1,000
DetailsBalance: $1,000 to $99,999.99; Dividends paid monthly
Last Updated10/28/2026
Rate History
No change since Oct 4, 2026 · 3.00% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
60 Month Certificate
-
3.00%
60 month
Min Balance$1,000
DetailsBalance: $1,000 to $99,999.99; Dividends paid monthly
Last Updated10/28/2026
Rate History
No change since Sep 25, 2026 · 3.00% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
Pasadena Federal Credit Union Savings Rates
Product
Rate
APY
View More
Teacher Savings
-
1.00%
Min Deposit$5
Min Balance$50
DetailsBalance: up to $15,000.00 earns as much as 1.00% APY; amounts above $15,000 earn the regular savings dividends rate; disbursement paid July 31 of each year; Paseo CU membership required
Last Updated10/28/2026
Rate History
1 change since Sep 25, 2026 · 0.75% → 1.00% ▲ 0.25 pts · high 1.00% / low 0.75%
Oct 12, 20261.00%▲ from 0.75%
Sep 25, 20260.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
Teacher Savings
-
0.75%
Min Deposit$5
Min Balance$50
DetailsBalance: $50 to $14,999.00; Dividends paid annually at maturity
Last Updated10/28/2026
Rate History
No change since Sep 25, 2026 · 0.75% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
Club Accounts
-
0.05%
Min Deposit$5
Min Balance$5
DetailsBalance: $5 minimum to earn dividends; Dividends paid at maturity; Vacation, Tax, Education and Christmas Clubs
Last Updated10/28/2026
Rate History
No change since Sep 25, 2026 · 0.05% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
Regular Savings (incl. Primary Share)
-
0.05%
Min Deposit$5
Min Balance$5
DetailsBalance: $5 minimum to earn dividends; Dividends paid quarterly
Last Updated10/28/2026
Rate History
No change since Sep 25, 2026 · 0.05% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
Teacher Savings
-
0.05%
Min Deposit$5
Min Balance$15,000
DetailsBalance: $15,000 and over; Dividends paid annually at maturity
Last Updated10/28/2026
Rate History
No change since Sep 25, 2026 · 0.05% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
Youth Savings
-
0.05%
Min Deposit$5
Min Balance$5
DetailsBalance: $5 minimum to earn dividends; Dividends paid quarterly
Last Updated10/28/2026
Rate History
No change since Sep 25, 2026 · 0.05% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
Teacher Savings
-
0.00%
Min Deposit$5
Min Balance$0
DetailsBalance: $0 to $49.99; Dividends paid annually at maturity
Last Updated10/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
Pasadena Federal Credit Union Money Market Rates
Product
Rate
APY
View More
Money Market Advantage
-
0.85%
Min Deposit$2,500
Min Balance$75,000
DetailsBalance: $75,000 and over; Dividends paid monthly
Last Updated10/28/2026
Rate History
No change since Sep 25, 2026 · 0.85% APY · checked 7 times
No change since Sep 25, 2026 · 0.55% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
Pasadena Federal Credit Union Checking Rates
Product
Rate
APY
View More
Advantage Checking
-
0.05%
Min Deposit$100
Min Balance$800
DetailsBalance: $800 minimum to earn dividends; Dividends paid monthly
Last Updated10/28/2026
Rate History
No change since Sep 25, 2026 · 0.05% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
Pasadena Federal Credit Union Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
Home Equity HELOC
-
-
7.00%
DetailsAs Low As; Enjoy rates as low as 7.00% APR*. Renovating, landscaping or just in need of a line of credit for unexpected expenses.
Last Updated10/28/2026
Rate History
1 change since Sep 16, 2026 · 6.50% → 7.00% ▲ 0.50 pts · high 7.00% / low 6.50%
Oct 23, 20267.00%▲ from 6.50%
Sep 16, 20266.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
Pasadena Federal Credit Union Auto Loan Rates
Product
Rate
Points
APR
Term
View More
New Vehicle Loan
-
-
4.99%
Up to 48 months
DetailsAs Low As; Payment (per $1,000): $23.04
Last Updated10/28/2026
Rate History
No change since Sep 16, 2026 · 4.99% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
Used Vehicle Loan
-
-
4.99%
Up to 48 months
DetailsAs Low As; Used autos, trucks and vans; up to 100% of retail Kelley Blue Book value financing
Last Updated10/28/2026
Rate History
No change since Sep 16, 2026 · 4.99% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
Vehicle Loan
-
-
4.99%
DetailsAs Low As; Exclusive auto rates for members
Last Updated10/28/2026
Rate History
No change since Oct 28, 2026 · 4.99% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
New Vehicle Loan
-
-
5.24%
Up to 60 months
DetailsAs Low As; Payment (per $1,000): $19.00
Last Updated10/28/2026
Rate History
No change since Sep 16, 2026 · 5.24% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
Used Vehicle Loan
-
-
5.24%
Up to 60 months
DetailsAs Low As; Used autos, trucks and vans; up to 100% of retail Kelley Blue Book value financing
Last Updated10/28/2026
Rate History
No change since Sep 16, 2026 · 5.24% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
New Vehicle Loan
-
-
5.49%
Up to 72 months
DetailsAs Low As; Payment (per $1,000): $16.35
Last Updated10/28/2026
Rate History
No change since Sep 16, 2026 · 5.49% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
Used Vehicle Loan
-
-
5.49%
Up to 72 months
DetailsAs Low As; Used autos, trucks and vans; up to 100% of retail Kelley Blue Book value financing
Last Updated10/28/2026
Rate History
No change since Sep 16, 2026 · 5.49% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
Older Used Vehicle Loan
-
-
5.74%
Up to 48 months
DetailsAs Low As; Older used vehicles - finance up to 100% of Kelley Blue Book wholesale value for 2018-2019 model vehicles; not to exceed 10 model years
Last Updated10/28/2026
Rate History
No change since Oct 12, 2026 · 5.74% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
Older Used Vehicle Loan
-
-
5.99%
Up to 60 months
DetailsAs Low As; Older used vehicles - finance up to 100% of Kelley Blue Book wholesale value for 2018-2019 model vehicles; not to exceed 10 model years
Last Updated10/28/2026
Rate History
No change since Oct 12, 2026 · 5.99% APR · checked 4 times
No change since Sep 16, 2026 · 6.24% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
Used Vehicle Loan
-
-
6.24%
Up to 84 months
DetailsAs Low As; Min. Loan Amount $30,000; Used autos, trucks and vans; up to 100% of retail Kelley Blue Book value financing
Last Updated10/28/2026
Rate History
No change since Sep 16, 2026 · 6.24% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
Pasadena Federal Credit Union RV, Boat and Powersport Loan Rates
Product
Rate
APR
Term
View More
Recreational Vehicle Loan
-
6.49%
Up to 60 months
DetailsAs Low As; Loan Amount: $10,000 - $15,000; Term determined by loan amount; RVs from 2021 model year and newer
Last Updated10/28/2026
Rate History
No change since Oct 12, 2026 · 6.49% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
Recreational Vehicle Loan
-
6.49%
Up to 84 months
DetailsAs Low As; Loan Amount: $15,001 - $50,000; Term determined by loan amount; RVs from 2021 model year and newer
Last Updated10/28/2026
Rate History
No change since Oct 12, 2026 · 6.49% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
Motorcycle Loan
-
6.74%
Up to 60 months
DetailsAs Low As; New or used street-approved motorcycles (from a dealer or refinance); Payment (per $1,000): $19.69
Last Updated10/28/2026
Rate History
No change since Sep 16, 2026 · 6.74% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
Recreational Vehicle Loan
-
6.75%
Up to 120 months
DetailsAs Low As; Loan Amount: $50,001 - $100,000; Term determined by loan amount; RVs from 2021 model year and newer
Last Updated10/28/2026
Rate History
No change since Oct 12, 2026 · 6.75% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
Recreational Vehicle Loan
-
7.49%
Up to 180 months
DetailsAs Low As; Loan Amount: $100,001 - $150,000; Term determined by loan amount; RVs from 2021 model year and newer
Last Updated10/28/2026
Rate History
No change since Oct 12, 2026 · 7.49% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
Motorcycle Loan
-
8.00%
Up to 72 months
DetailsAs Low As; New or used street-approved motorcycles (from a dealer or refinance); Payment (per $1,000): $17.35
Last Updated10/28/2026
Rate History
No change since Sep 16, 2026 · 8.00% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
Motorcycle Loan
-
8.24%
Up to 84 months
DetailsAs Low As; New or used street-approved motorcycles (from a dealer or refinance); Min. Loan Amount $30,000; Payment (per $1,000): $15.71
Last Updated10/28/2026
Rate History
No change since Sep 16, 2026 · 8.24% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
Pasadena Federal Credit Union Personal Loan Rates
Product
APR
Term
View More
Signature Loan
12.00%
Up to 12 months
DetailsAs Low As; Rates subject to credit approval; Auto Pay rate discount of 0.25% may apply
Last Updated10/28/2026
Rate History
No change since Sep 16, 2026 · 12.00% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
Signature Loan
12.00%
Up to 24 months
DetailsAs Low As; Rates subject to credit approval; Auto Pay rate discount of 0.25% may apply
Last Updated10/28/2026
Rate History
No change since Sep 16, 2026 · 12.00% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
Signature Loan
12.25%
Up to 36 months
DetailsAs Low As; Rates subject to credit approval; Auto Pay rate discount of 0.25% may apply
Last Updated10/28/2026
Rate History
No change since Sep 16, 2026 · 12.25% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
Signature Loan
12.25%
Up to 48 months
DetailsAs Low As; Rates subject to credit approval; Auto Pay rate discount of 0.25% may apply
Last Updated10/28/2026
Rate History
No change since Sep 16, 2026 · 12.25% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
Signature Loan
12.75%
Up to 60 months
DetailsAs Low As; Rates subject to credit approval; Auto Pay rate discount of 0.25% may apply
Last Updated10/28/2026
Rate History
No change since Sep 16, 2026 · 12.75% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
Pasadena Federal Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
Line of Credit
-
-
14.00%
DetailsAs Low As; Credit Limit: Up to $50,000; Payment: 3% of balance
Last Updated10/28/2026
Rate History
No change since Oct 12, 2026 · 14.00% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
Advantage Checking
0.05%
-
0.05%
Min Deposit$100
Min Balance$800
DetailsMonthly dividend rate when minimum daily balance of $800 or more is maintained; no monthly service fee with $800 minimum daily balance
Last Updated10/28/2026
Rate History
No change since Sep 25, 2026 · 0.05% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
IRA Variable
-
-
0.55%
Min Deposit$100
Min Balance$100
DetailsBalance: $100 to $1,999.99; Dividends paid monthly
Last Updated10/28/2026
Rate History
No change since Sep 25, 2026 · 0.55% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
IRA Variable
-
-
0.75%
Min Deposit$100
Min Balance$2,000
DetailsBalance: $2,000 to $49,999.99; Dividends paid monthly
Last Updated10/28/2026
Rate History
No change since Sep 25, 2026 · 0.75% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
IRA Variable
-
-
0.85%
Min Deposit$100
Min Balance$50,000
DetailsBalance: $50,000 and over; Dividends paid monthly
Last Updated10/28/2026
Rate History
No change since Sep 25, 2026 · 0.85% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
Financial Health History
Pasadena Federal Credit Union’s Texas Ratio rose from 0.23% in Q3 2023 to 1.47% 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; the green zone below the amber 15% line is where a credit union must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)
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
$375M
1.47%
5.0
A+
March 31, 2026
$381M
2.56%
5.0
A+
December 31, 2025
$380M
3.36%
5.0
A+
September 30, 2025
$370M
1.82%
5.0
A+
June 30, 2025
$372M
2.07%
5.0
A+
March 31, 2025
$381M
2.74%
5.0
A+
December 31, 2024
$352M
6.89%
5.0
A
September 30, 2024
$365M
1.31%
5.0
A+
June 30, 2024
$375M
2.73%
5.0
A+
March 31, 2024
$420M
0.55%
5.0
A+
December 31, 2023
$271M
0.57%
5.0
A+
September 30, 2023
$271M
0.23%
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 Pasadena 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 Pasadena 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 Pasadena Federal Credit Union's official website for the most current offers and terms.
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
26,193,765
Total Uninsured Shares and Deposits > $250K (F+J)
26,193,765
Total Insured Shares and Deposits > $250K (item 17 less item K)
296,701,414
Total Interest Expense (Sum of items 6 8)
1,511,943
Share Certificates
1,301
Number of Accounts for Share Drafts
15,220
IRA KEOGH Accounts
611
Number of Accounts for Regular Shares
27,960
Money Market Shares
816
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)
7,406,068
Total Liabilities
334,084,488
Source: NCUA — Last Updated 06/30/2026
2026 MBR Health & Safety Badge
Pasadena 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, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
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Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for Pasadena Federal Credit Union
Frequently Asked Questions About Pasadena Federal Credit Union
Does Pasadena Federal Credit Union offer CDs?
Yes. Pasadena Federal Credit Union current CD rates include its 13-month CD Promotion at 4.00% APY, its 12 - 23 Month CD at 3.50% APY and its 12-23 month CD at 3.50% APY, verified by MonitorBankRates as of October 28, 2026.
Are CDs from Pasadena Federal Credit Union NCUA insured?
Yes. Pasadena 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 Pasadena Federal Credit Union?
The highest Pasadena Federal Credit Union CD rate is its 13-month CD Promotion at 4.00% APY, verified by MonitorBankRates as of October 28, 2026.
What CD terms does Pasadena Federal Credit Union offer?
Pasadena Federal Credit Union CD rates are 3.40% APY for an 11 month CD, 3.15% APY for a 12 month CD, 4.00% APY for a 13 month CD, 3.50% APY for a 23 month CD, 3.25% APY for a 2 year CD and 3.00% 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 Pasadena Federal Credit Union for its full lineup.
What is the highest savings rate at Pasadena Federal Credit Union?
The highest Pasadena Federal Credit Union savings rate is its Teacher Savings at 1.00% APY, verified by MonitorBankRates as of October 28, 2026.
What is the highest money market rate at Pasadena Federal Credit Union?
The highest Pasadena Federal Credit Union money market rate is its Money Market Advantage at 0.85% APY, verified by MonitorBankRates as of October 28, 2026.
What is the highest checking rate at Pasadena Federal Credit Union?
The highest Pasadena Federal Credit Union checking rate is its Advantage Checking at 0.05% APY, verified by MonitorBankRates as of October 28, 2026.
What is the lowest auto loan rate at Pasadena Federal Credit Union?
The lowest Pasadena Federal Credit Union auto loan rate is its New Vehicle Loan at 4.99% APR, verified by MonitorBankRates as of October 28, 2026.
What is the lowest personal loan rate at Pasadena Federal Credit Union?
The lowest Pasadena Federal Credit Union personal loan rate is its Signature Loan at 12.00% APR, verified by MonitorBankRates as of October 28, 2026.
How many branches does Pasadena Federal Credit Union operate?
Pasadena 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 Pasadena Federal Credit Union?
Yes, to access services at Pasadena 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, Pasadena 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, Pasadena Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.
Does Pasadena Federal Credit Union offer online and mobile banking?
Most modern institutions like Pasadena 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.pfcu.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 Pasadena Federal Credit Union rates compare?
Pasadena Federal Credit Union's CD rates are 21% higher than the MonitorBankRates national average, and it has an A+ health rating. Pasadena Federal Credit Union's top rates are its 13-month CD Promotion at 4.00% APY, its Teacher Savings at 1.00% APY, its Money Market Advantage at 0.85% APY, its Advantage Checking at 0.05% APY and its Signature Loan at 12.00% APR, verified by MonitorBankRates on October 28, 2026.
Current Pasadena Federal Credit Union Rates
12-Month CD3.15%
24-Month CD3.25%
60-Month CD3.00%
Savings1.00%
MMA0.85%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
