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Pearl District Federal Credit Union

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Pearl District Federal Credit Union Rates & Review April 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Pearl District 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: April 23, 2026

You can compare Pearl District Federal Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 3.45%, 6-month share certificate rates at 1.00% and 3-month share certificate rates at 0.20%. Savings rates are at 0.25% and money market rates are at 3.00%. Mortgage rates on 30-year fixed loans are around 5.79%. All these rates can be compared to Pearl District Federal Credit Union rates. MonitorBankRates evaluates the financial stability of Pearl District Federal Credit Union with a 3.8 Star Rating, an C Overall Health Grade, and a Texas Ratio of 26.04%. Rates were last updated on 04/23/2026.

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

Overall Health & Safety Grade

Average Health Score: 75/100

MonitorBankRates Rating

3.8

Very Good Out of 5.0 Stars

Texas Ratio

26.04%

Good Higher than avg

Pearl District Federal Credit Union
Pearl District Federal Credit Union

1635 E 11th St
Tulsa, OK 74120

https://www.pearldistrictfcu.com/

Current Rate Availability

We do not have Pearl District Federal Credit Union rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating

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

Credit Union Profile & Overview

Credit Union Name Pearl District Federal Credit Union

Website https://www.pearldistrictfcu.com/

Address 1635 E 11th St, Tulsa, OK 74120

Phone 918-579-7998

Fax 918-592-4329

President Terry Eichor

CEO Linda Curtis

Full-Time Employees 3

Part-Time Employees 0

Branch Locations 1

ATM Locations 0

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

3.8 / 5.0 ★

Overall Health & Safety Grade

C (75/100)

Texas Ratio

26.04%

Return on Assets (ROA)

-6.4233%

Return on Equity (ROE)

-95.6316%

Non-Performing Loans Ratio (NPL)

3.00%

Total Assets

11,361,091

Total Amount of Shares and Deposits

10,580,138

Total Shares and Deposits < 1 Year

10,549,860

Total Shares and Deposits 1 3 Years

30,278

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

10,580,138

Total Interest Expense (Sum of items 6 8)

104,560

Share Certificates

Number of Accounts for Share Drafts

123

IRA KEOGH Accounts

Number of Accounts for Regular Shares

1,441

Total Liabilities

10,656,178

Source: NCUA — Last Updated 09/30/2023

Customer Reviews

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Frequently Asked Questions About Pearl District Federal Credit Union

Is Pearl District Federal Credit Union a safe place to deposit money?

Yes, Pearl District Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 26.044264359577%, the institution's financial health is rated as stable. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does Pearl District Federal Credit Union operate?

Pearl District 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 Pearl District Federal Credit Union?

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

Does Pearl District Federal Credit Union offer online and mobile banking?

Most modern institutions like Pearl District 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.pearldistrictfcu.com/.