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Penlanco Federal Credit Union Rates & Review October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
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  • Location-Based Rate Tables
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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.
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| iEditorial Disclosure
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 12, 2026

Penlanco Federal Credit Union's top rates as of October 12, 2026 are 4.25% APY on its SPECIAL: 12 month or more new money CD, 3.04% APY on savings, and auto loans from 4.65% APR, according to rates verified by MonitorBankRates. Other Penlanco Federal Credit Union CD rates include 24 Month CD at 3.80%, 24 Month IRA CD at 3.80%, and 12 Month CD at 3.70%. MonitorBankRates evaluates the financial stability of Penlanco Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.77%. Rates last updated and verified on 10/12/2026.

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

MonitorBankRates Verified Healthy Badge Q2 2026 Verified Healthy Q2 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 ?
0.77%
Excellent Lower than avg
Health Trend ?
Improving 12 quarters
Full history ›
Penlanco Federal Credit Union
Penlanco Federal Credit Union
20E E Roseville Rd
Lancaster, PA 17601-3871
https://www.penlancofcu.com
Member NCUA
Customer Reviews
Be the first to review
Write a Review
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.

Penlanco Federal Credit Union CD Rates

Product Rate APY Term View More
SPECIAL: 12 month or more new money 4.184% 4.25% 12 months
Min Deposit $50,000
Details $50,000; New Money
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 12, 2026: 4.25% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
24 Month Certificate 3.747% 3.80% 24 months
No additional details.
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 8, 2026: 3.80% APYOct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
24 Month IRA Certificate 3.747% 3.80% 24 months
No additional details.
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 8, 2026: 3.80% APYOct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
12 Month Certificate 3.65% 3.70% 12 months
No additional details.
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 8, 2026: 3.70% APYOct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
12 Month IRA Certificate 3.65% 3.70% 12 months
No additional details.
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 8, 2026: 3.70% APYOct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
6 Month Certificate 3.552% 3.60% 6 months
No additional details.
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 8, 2026: 3.60% APYOct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
6 Month IRA Certificate 3.552% 3.60% 6 months
No additional details.
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 8, 2026: 3.60% APYOct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
60 Month Certificate 2.722% 2.75% 60 months
No additional details.
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Oct 8, 2026: 2.75% APYOct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
60 Month IRA Certificate 2.722% 2.75% 60 months
No additional details.
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Oct 8, 2026: 2.75% APYOct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
48 Month Certificate 2.673% 2.70% 48 months
No additional details.
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 2.70% APY · checked 2 times
2.20%2.70%3.20%Oct 8, 2026: 2.70% APYOct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
48 Month IRA Certificate 2.673% 2.70% 48 months
No additional details.
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 2.70% APY · checked 2 times
2.20%2.70%3.20%Oct 8, 2026: 2.70% APYOct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
36 Month Certificate 2.624% 2.65% 36 months
No additional details.
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 2.65% APY · checked 2 times
2.15%2.65%3.15%Oct 8, 2026: 2.65% APYOct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
36 Month IRA Certificate 2.624% 2.65% 36 months
No additional details.
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 2.65% APY · checked 2 times
2.15%2.65%3.15%Oct 8, 2026: 2.65% APYOct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%

Penlanco Federal Credit Union Savings Rates

Product Rate APY View More
Money Market Savings 3.00% 3.045%
Min Balance $100,000
Details Balance: $100,000.01 and higher
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 3.05% APY
2.55%3.05%3.55%Oct 12, 2026: 3.05% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Money Market Savings 2.25% 2.275%
Min Balance $25,000
Details Balance: $25,000.01-$100,000.00
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 2.28% APY
1.78%2.28%2.78%Oct 12, 2026: 2.28% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Money Market Savings 1.50% 1.511%
Min Balance $3,000
Details Balance: $3,000.00-$25,000.00
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 1.51% APY
1.01%1.51%2.01%Oct 12, 2026: 1.51% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
IRA Savings (IRAs) 0.50% 0.50%
No additional details.
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 0.50% APY
0.00%0.50%1.00%Oct 12, 2026: 0.50% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Christmas Club or HSA (0.30%) 0.30% 0.30%
No additional details.
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 0.30% APY
0.00%0.40%0.80%Oct 12, 2026: 0.30% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%

Penlanco Federal Credit Union Money Market Rates

Product Rate APY View More
Money Market Savings 3.00% 3.045%
Min Balance $100,000
Details Balance: $100,000.01 and higher
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 3.05% APY
2.55%3.05%3.55%Oct 12, 2026: 3.05% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Money Market Savings 2.25% 2.275%
Min Balance $25,000
Details Balance: $25,000.01-$100,000.00
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 2.28% APY
1.78%2.28%2.78%Oct 12, 2026: 2.28% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Money Market Savings 1.50% 1.511%
Min Balance $3,000
Details Balance: $3,000.00-$25,000.00
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 1.51% APY
1.01%1.51%2.01%Oct 12, 2026: 1.51% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%

Penlanco Federal Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity Loan 4.95% - 4.95% 10 years
Details FICO: 730 +
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 4.95% APR · checked 5 times
4.45%4.95%5.45%Sep 25, 2026: 4.95% APRSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Home Equity Loan 5.00% - 5.00% 5 years
Details FICO: 690-729
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 5.00% APR · checked 5 times
4.50%5.00%5.50%Sep 25, 2026: 5.00% APRSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Home Equity Loan 5.20% - 5.20% 10 years
Details FICO: 690-729
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 5.20% APR · checked 5 times
4.70%5.20%5.70%Sep 25, 2026: 5.20% APRSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Home Equity Loan 5.50% - 5.50% 5 years
Details FICO: 650-689
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 5.50% APR · checked 5 times
5.00%5.50%6.00%Sep 25, 2026: 5.50% APRSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Home Equity Loan 5.70% - 5.70% 10 years
Details FICO: 650-689
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 5.70% APR · checked 5 times
5.20%5.70%6.20%Sep 25, 2026: 5.70% APRSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Home Equity Loan 5.95% - 5.95% 15 years
Details FICO: 730 +
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 5.95% APR · checked 5 times
5.45%5.95%6.45%Sep 25, 2026: 5.95% APRSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Home Equity Loan 6.20% - 6.20% 15 years
Details FICO: 690-729
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 6.20% APR · checked 5 times
5.70%6.20%6.70%Sep 25, 2026: 6.20% APRSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Home Equity Loan 6.25% - 6.25% 5 years
Details FICO: 610-649
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 6.25% APR · checked 5 times
5.75%6.25%6.75%Sep 25, 2026: 6.25% APRSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Home Equity Loan 6.45% - 6.45% 10 years
Details FICO: 610-649
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 6.45% APR · checked 5 times
5.95%6.45%6.95%Sep 25, 2026: 6.45% APRSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Home Equity Loan 6.70% - 6.70% 15 years
Details FICO: 650-689
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 6.70% APR · checked 5 times
6.20%6.70%7.20%Sep 25, 2026: 6.70% APRSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Home Equity Loan 6.75% - 6.75% 5 years
Details FICO: <610
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 6.75% APR · checked 5 times
6.25%6.75%7.25%Sep 25, 2026: 6.75% APRSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Home Equity Loan 6.95% - 6.95% 10 years
Details FICO: <610
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 6.95% APR · checked 5 times
6.45%6.95%7.45%Sep 25, 2026: 6.95% APRSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Home Equity Loan 7.45% - 7.45% 15 years
Details FICO: 610-649
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 7.45% APR · checked 5 times
6.95%7.45%7.95%Sep 25, 2026: 7.45% APRSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Home Equity Loan 7.95% - 7.95% 15 years
Details FICO: <610
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 7.95% APR · checked 5 times
7.45%7.95%8.45%Sep 25, 2026: 7.95% APRSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%

Penlanco Federal Credit Union Auto Loan Rates

Product Rate Points APR Term View More
New Vehicles Loan - - 4.65% 3 years
Details FICO: 730 +
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 4.65% APR
4.15%4.65%5.15%Oct 12, 2026: 4.65% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
New Vehicles Loan - - 4.95% 5 years
Details FICO: 730 +
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 4.95% APR
4.45%4.95%5.45%Oct 12, 2026: 4.95% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used Vehicles - 2018-2026 Loan - - 4.95% 4 years
Details FICO tier only (drop 'Additional APR' text)
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 4.95% APR
4.45%4.95%5.45%Oct 12, 2026: 4.95% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
New Vehicles Loan - - 5.15% 3 years
Details FICO: 690-729
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 5.15% APR
4.65%5.15%5.65%Oct 12, 2026: 5.15% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
New Vehicles Loan - - 5.15% 6 years
Details FICO: 730 +
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 5.15% APR
4.65%5.15%5.65%Oct 12, 2026: 5.15% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used Vehicles - 2017 and older Loan 5.25% - 5.25% 3 years
Details FICO: 730 +
Last Updated 10/12/2026
Rate History
1 change since Sep 16, 2026 · 4.65% → 5.25% ▲ 0.60 pts · high 5.25% / low 4.65%
4.05%4.95%5.85%Sep 16, 2026: 4.65% APRSep 25, 2026: 5.25% APRSep 16, 2026Oct 13, 2026
  • Sep 25, 20265.25%▲ from 4.65%
  • Sep 16, 20264.65%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
New Vehicles Loan - - 5.45% 5 years
Details FICO: 690-729
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 5.45% APR
4.95%5.45%5.95%Oct 12, 2026: 5.45% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used Vehicles - 2017 and older Loan 5.45% - 5.45% 4 years
Details FICO: 730 +
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 5.45% APR · checked 5 times
4.95%5.45%5.95%Sep 16, 2026: 5.45% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used Vehicles - 2018-2026 Loan - - 5.45% 4 years
Details FICO tier only (drop 'Additional APR' text)
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 5.45% APR
4.95%5.45%5.95%Oct 12, 2026: 5.45% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
New Vehicles Loan - - 5.55% 7 years
Details FICO: 730 +
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 5.55% APR
5.05%5.55%6.05%Oct 12, 2026: 5.55% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
New Vehicles Loan - - 5.65% 6 years
Details FICO: 690-729
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 5.65% APR
5.15%5.65%6.15%Oct 12, 2026: 5.65% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used Vehicles - 2017 and older Loan 5.65% - 5.65% 5 years
Details FICO: 730 +
Last Updated 10/12/2026
Rate History
1 change since Sep 16, 2026 · 4.95% → 5.65% ▲ 0.70 pts · high 5.65% / low 4.95%
4.25%5.30%6.35%Sep 16, 2026: 4.95% APRSep 25, 2026: 5.65% APRSep 16, 2026Oct 13, 2026
  • Sep 25, 20265.65%▲ from 4.95%
  • Sep 16, 20264.95%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used Vehicles - 2017 and older Loan 5.75% - 5.75% 3 years
Details FICO: 690-729
Last Updated 10/12/2026
Rate History
1 change since Sep 16, 2026 · 5.15% → 5.75% ▲ 0.60 pts · high 5.75% / low 5.15%
4.55%5.45%6.35%Sep 16, 2026: 5.15% APRSep 25, 2026: 5.75% APRSep 16, 2026Oct 13, 2026
  • Sep 25, 20265.75%▲ from 5.15%
  • Sep 16, 20265.15%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used Vehicles - 2017 and older Loan 5.95% - 5.95% 4 years
Details FICO: 690-729
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 5.95% APR · checked 5 times
5.45%5.95%6.45%Sep 16, 2026: 5.95% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
New Vehicles Loan - - 6.05% 7 years
Details FICO: 690-729
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 6.05% APR
5.55%6.05%6.55%Oct 12, 2026: 6.05% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used Vehicles - 2017 and older Loan 6.15% - 6.15% 5 years
Details FICO: 690-729
Last Updated 10/12/2026
Rate History
1 change since Sep 16, 2026 · 5.45% → 6.15% ▲ 0.70 pts · high 6.15% / low 5.45%
4.75%5.80%6.85%Sep 16, 2026: 5.45% APRSep 25, 2026: 6.15% APRSep 16, 2026Oct 13, 2026
  • Sep 25, 20266.15%▲ from 5.45%
  • Sep 16, 20265.45%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
New Vehicles Loan - - 6.65% 3 years
Details FICO: 650-689
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 6.65% APR
6.15%6.65%7.15%Oct 12, 2026: 6.65% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
New Vehicles Loan - - 6.95% 5 years
Details FICO: 650-689
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 6.95% APR
6.45%6.95%7.45%Oct 12, 2026: 6.95% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used Vehicles - 2018-2026 Loan - - 6.95% 4 years
Details FICO tier only (drop 'Additional APR' text)
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 6.95% APR
6.45%6.95%7.45%Oct 12, 2026: 6.95% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
New Vehicles Loan - - 7.15% 6 years
Details FICO: 650-689
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 7.15% APR
6.65%7.15%7.65%Oct 12, 2026: 7.15% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used Vehicles - 2017 and older Loan 7.25% - 7.25% 3 years
Details FICO: 650-689
Last Updated 10/12/2026
Rate History
1 change since Sep 16, 2026 · 6.65% → 7.25% ▲ 0.60 pts · high 7.25% / low 6.65%
6.05%6.95%7.85%Sep 16, 2026: 6.65% APRSep 25, 2026: 7.25% APRSep 16, 2026Oct 13, 2026
  • Sep 25, 20267.25%▲ from 6.65%
  • Sep 16, 20266.65%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used Vehicles - 2017 and older Loan 7.45% - 7.45% 4 years
Details FICO: 650-689
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 7.45% APR · checked 5 times
6.95%7.45%7.95%Sep 16, 2026: 7.45% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
New Vehicles Loan - - 7.55% 7 years
Details FICO: 650-689
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 7.55% APR
7.05%7.55%8.05%Oct 12, 2026: 7.55% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used Vehicles - 2017 and older Loan 7.65% - 7.65% 5 years
Details FICO: 650-689
Last Updated 10/12/2026
Rate History
1 change since Sep 16, 2026 · 6.95% → 7.65% ▲ 0.70 pts · high 7.65% / low 6.95%
6.25%7.30%8.35%Sep 16, 2026: 6.95% APRSep 25, 2026: 7.65% APRSep 16, 2026Oct 13, 2026
  • Sep 25, 20267.65%▲ from 6.95%
  • Sep 16, 20266.95%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
New Vehicles Loan - - 8.65% 3 years
Details FICO: 610-649
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 8.65% APR
8.15%8.65%9.15%Oct 12, 2026: 8.65% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
New Vehicles Loan - - 8.95% 5 years
Details FICO: 610-649
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 8.95% APR
8.45%8.95%9.45%Oct 12, 2026: 8.95% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used Vehicles - 2018-2026 Loan - - 8.95% 4 years
Details FICO tier only (drop 'Additional APR' text)
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 8.95% APR
8.45%8.95%9.45%Oct 12, 2026: 8.95% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
New Vehicles Loan - - 9.15% 6 years
Details FICO: 610-649
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 9.15% APR
8.65%9.15%9.65%Oct 12, 2026: 9.15% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used Vehicles - 2017 and older Loan 9.25% - 9.25% 3 years
Details FICO: 610-649
Last Updated 10/12/2026
Rate History
1 change since Sep 16, 2026 · 8.65% → 9.25% ▲ 0.60 pts · high 9.25% / low 8.65%
8.05%8.95%9.85%Sep 16, 2026: 8.65% APRSep 25, 2026: 9.25% APRSep 16, 2026Oct 13, 2026
  • Sep 25, 20269.25%▲ from 8.65%
  • Sep 16, 20268.65%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used Vehicles - 2017 and older Loan 9.45% - 9.45% 4 years
Details FICO: 610-649
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 9.45% APR · checked 5 times
8.95%9.45%9.95%Sep 16, 2026: 9.45% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
New Vehicles Loan - - 9.55% 7 years
Details FICO: 610-649
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 9.55% APR
9.05%9.55%10.05%Oct 12, 2026: 9.55% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used Vehicles - 2017 and older Loan 9.65% - 9.65% 5 years
Details FICO: 610-649
Last Updated 10/12/2026
Rate History
1 change since Sep 16, 2026 · 8.95% → 9.65% ▲ 0.70 pts · high 9.65% / low 8.95%
8.25%9.30%10.35%Sep 16, 2026: 8.95% APRSep 25, 2026: 9.65% APRSep 16, 2026Oct 13, 2026
  • Sep 25, 20269.65%▲ from 8.95%
  • Sep 16, 20268.95%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
New Vehicles Loan - - 10.65% 3 years
Details FICO: <610
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 10.65% APR
10.15%10.65%11.15%Oct 12, 2026: 10.65% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
New Vehicles Loan - - 10.95% 5 years
Details FICO: <610
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 10.95% APR
10.45%10.95%11.45%Oct 12, 2026: 10.95% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used Vehicles - 2018-2026 Loan - - 10.95% 4 years
Details FICO tier only (drop 'Additional APR' text)
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 10.95% APR
10.45%10.95%11.45%Oct 12, 2026: 10.95% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
New Vehicles Loan - - 11.15% 6 years
Details FICO: <610
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 11.15% APR
10.65%11.15%11.65%Oct 12, 2026: 11.15% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used Vehicles - 2017 and older Loan 11.25% - 11.25% 3 years
Details FICO: <610
Last Updated 10/12/2026
Rate History
1 change since Sep 16, 2026 · 10.65% → 11.25% ▲ 0.60 pts · high 11.25% / low 10.65%
10.05%10.95%11.85%Sep 16, 2026: 10.65% APRSep 25, 2026: 11.25% APRSep 16, 2026Oct 13, 2026
  • Sep 25, 202611.25%▲ from 10.65%
  • Sep 16, 202610.65%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used Vehicles - 2017 and older Loan 11.45% - 11.45% 4 years
Details FICO: <610
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 11.45% APR · checked 5 times
10.95%11.45%11.95%Sep 16, 2026: 11.45% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
New Vehicles Loan - - 11.55% 7 years
Details FICO: <610
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 11.55% APR
11.05%11.55%12.05%Oct 12, 2026: 11.55% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used Vehicles - 2017 and older Loan 11.65% - 11.65% 5 years
Details FICO: <610
Last Updated 10/12/2026
Rate History
1 change since Sep 16, 2026 · 10.95% → 11.65% ▲ 0.70 pts · high 11.65% / low 10.95%
10.25%11.30%12.35%Sep 16, 2026: 10.95% APRSep 25, 2026: 11.65% APRSep 16, 2026Oct 13, 2026
  • Sep 25, 202611.65%▲ from 10.95%
  • Sep 16, 202610.95%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%

Penlanco Federal Credit Union RV, Boat and Powersport Loan Rates

Product Rate APR Term View More
Used RV/Boat - 2018-2026 Loan - 5.65% 3 years
Details FICO Score: 730 +
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 5.65% APR · checked 5 times
5.15%5.65%6.15%Sep 16, 2026: 5.65% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used RV/Boat - 2018-2026 Loan - 5.95% 5 years
Details FICO Score: 730 +
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 5.95% APR · checked 5 times
5.45%5.95%6.45%Sep 16, 2026: 5.95% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used RV/Boat - 2018-2026 Loan - 5.95% 4 years
Details FICO Score: 730 +
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 5.95% APR · checked 5 times
5.45%5.95%6.45%Sep 16, 2026: 5.95% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used RV/Boat - 2018-2026 Loan - 6.15% 3 years
Details FICO Score: 690-729
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 6.15% APR · checked 5 times
5.65%6.15%6.65%Sep 16, 2026: 6.15% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used RV/Boat - 2018-2026 Loan - 6.15% 6 years
Details FICO Score: 730 +
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 6.15% APR · checked 5 times
5.65%6.15%6.65%Sep 16, 2026: 6.15% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used RV/Boat - 2018-2026 Loan - 6.45% 5 years
Details FICO Score: 690-729
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 6.45% APR · checked 5 times
5.95%6.45%6.95%Sep 16, 2026: 6.45% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used RV/Boat - 2018-2026 Loan - 6.55% 7 years
Details FICO Score: 730 +
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 6.55% APR · checked 5 times
6.05%6.55%7.05%Sep 16, 2026: 6.55% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used RV/Boat - 2018-2026 Loan - 6.65% 6 years
Details FICO Score: 690-729
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 6.65% APR · checked 5 times
6.15%6.65%7.15%Sep 16, 2026: 6.65% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used RV/Boat - 2018-2026 Loan - 7.05% 7 years
Details FICO Score: 690-729
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 7.05% APR · checked 5 times
6.55%7.05%7.55%Sep 16, 2026: 7.05% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used RV/Boat - 2018-2026 Loan - 7.65% 3 years
Details FICO Score: 650-689
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 7.65% APR · checked 5 times
7.15%7.65%8.15%Sep 16, 2026: 7.65% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used RV/Boat - 2018-2026 Loan - 7.95% 5 years
Details FICO Score: 650-689
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 7.95% APR · checked 5 times
7.45%7.95%8.45%Sep 16, 2026: 7.95% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used RV/Boat - 2018-2026 Loan - 7.95% 4 years
Details FICO Score: 650-689
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 7.95% APR · checked 5 times
7.45%7.95%8.45%Sep 16, 2026: 7.95% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used RV/Boat - 2018-2026 Loan - 8.15% 6 years
Details FICO Score: 650-689
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 8.15% APR · checked 5 times
7.65%8.15%8.65%Sep 16, 2026: 8.15% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used RV/Boat - 2018-2026 Loan - 8.55% 7 years
Details FICO Score: 650-689
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 8.55% APR · checked 5 times
8.05%8.55%9.05%Sep 16, 2026: 8.55% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used RV/Boat - 2018-2026 Loan - 9.65% 3 years
Details FICO Score: 610-649
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 9.65% APR · checked 5 times
9.15%9.65%10.15%Sep 16, 2026: 9.65% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used RV/Boat - 2018-2026 Loan - 9.95% 5 years
Details FICO Score: 610-649
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 9.95% APR · checked 5 times
9.45%9.95%10.45%Sep 16, 2026: 9.95% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used RV/Boat - 2018-2026 Loan - 9.95% 4 years
Details FICO Score: 610-649
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 9.95% APR · checked 5 times
9.45%9.95%10.45%Sep 16, 2026: 9.95% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used RV/Boat - 2018-2026 Loan - 10.15% 6 years
Details FICO Score: 610-649
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 10.15% APR · checked 5 times
9.65%10.15%10.65%Sep 16, 2026: 10.15% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used RV/Boat - 2018-2026 Loan - 10.55% 7 years
Details FICO Score: 610-649
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 10.55% APR · checked 5 times
10.05%10.55%11.05%Sep 16, 2026: 10.55% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used RV/Boat - 2018-2026 Loan - 11.65% 3 years
Details FICO Score: <610
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 11.65% APR · checked 5 times
11.15%11.65%12.15%Sep 16, 2026: 11.65% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used RV/Boat - 2018-2026 Loan - 11.95% 5 years
Details FICO Score: <610
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 11.95% APR · checked 5 times
11.45%11.95%12.45%Sep 16, 2026: 11.95% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used RV/Boat - 2018-2026 Loan - 11.95% 4 years
Details FICO Score: <610
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 11.95% APR · checked 5 times
11.45%11.95%12.45%Sep 16, 2026: 11.95% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used RV/Boat - 2018-2026 Loan - 12.15% 6 years
Details FICO Score: <610
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 12.15% APR · checked 5 times
11.65%12.15%12.65%Sep 16, 2026: 12.15% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used RV/Boat - 2018-2026 Loan - 12.55% 7 years
Details FICO Score: <610
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 12.55% APR · checked 5 times
12.05%12.55%13.05%Sep 16, 2026: 12.55% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%

Penlanco Federal Credit Union Other Rates

Product Rate Points APY/APR Term View More
HSA 0.30% - 0.30%
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 0.30% APY · checked 4 times
0.00%0.40%0.80%Sep 25, 2026: 0.30% APYSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
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.
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Financial Health History

Penlanco Federal Credit Union’s Texas Ratio fell from 3.87% in Q3 2023 to 0.77% in Q2 2026, so its financial health has improved and is now 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.

0% 1.0★ 1.3% 2.0★ 2.6% 3.0★ 3.9% 4.0★ 5.2% 5.0★ Healthy zone – entire history below the 15% limit 3.87% A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 A+ Q1 2026 0.77% A+ Q2 2026
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
Powered by MonitorBankRates

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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$27M0.77%5.0A+
March 31, 2026$28M0.80%5.0A+
December 31, 2025$27M1.94%5.0A+
September 30, 2025$26M0.68%5.0A+
June 30, 2025$26M0.00%5.0A+
March 31, 2025$26M0.06%5.0A+
December 31, 2024$25M0.00%5.0A+
September 30, 2024$26M0.65%5.0A+
June 30, 2024$26M0.00%5.0A+
March 31, 2024$26M0.47%5.0A+
December 31, 2023$26M0.30%5.0A+
September 30, 2023$26M3.87%5.0A+
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 Penlanco 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 Penlanco 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 Penlanco Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Penlanco Federal Credit Union
Website https://www.penlancofcu.com
Address 20E E Roseville Rd, Lancaster, PA 17601-3871
Phone 717-569-9621
Fax 717-569-9665
President ANNETTE CEVIS
CEO STACEY REMICK
Full-Time Employees 5
Part-Time Employees 0
Branch Locations 1
ATM Locations 0
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
0.77%
Return on Assets (ROA)
0.2065%
Return on Equity (ROE)
1.6536%
Non-Performing Loans Ratio (NPL)
0.15%
Total Assets
26,943,669
Total Amount of Shares and Deposits
23,545,395
Total Shares and Deposits < 1 Year
23,347,699
Total Shares and Deposits 1 3 Years
195,484
Total Shares and Deposits > 3 Years
2,208
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
1,735,031
Total Uninsured Shares and Deposits > $250K (F+J)
1,735,031
Total Insured Shares and Deposits > $250K (item 17 less item K)
21,810,364
Total Interest Expense (Sum of items 6 8)
230,885
Share Certificates
412
Number of Accounts for Share Drafts
361
IRA KEOGH Accounts
13
Number of Accounts for Regular Shares
1,971
Money Market Shares
64
Net Income (unless the amount is already included in Undivided Earnings)
55,642
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)
2,620,514
Total Liabilities
23,578,792
Source: NCUA — Last Updated 06/30/2026
MonitorBankRates Verified Healthy Badge Q2 2026
Q2 2026 MBR Health & Safety Badge

Penlanco Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Frequently Asked Questions About Penlanco Federal Credit Union

How many branches does Penlanco Federal Credit Union operate?

Penlanco 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 Penlanco Federal Credit Union?

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

Does Penlanco Federal Credit Union offer online and mobile banking?

Most modern institutions like Penlanco 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.penlancofcu.com.

Current Penlanco Federal Credit Union Rates

  • 12-Month CD3.70%
  • 24-Month CD3.80%
  • 60-Month CD2.75%
  • Savings3.04%
Retrieved from our database of financial products. Rates subject to change.

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