New ReportFall 2026 Housing Affordability Report: every state is less affordable than in late August as average 30-year mortgage rates passed 7%.Read the report
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
Penlanco 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
Penlanco Federal Credit Union's CD - 24 month rates are at 3.80%, CD - 12 month rates are at 3.70%, CD - 6 month rates are at 3.60%, CD - 60 month rates are at 2.75%, CD - 48 month rates are at 2.70%. Penlanco Federal Credit Union's savings rates are at 3.30%. Penlanco Federal Credit Union's Personal Loan Rates are as low as 8.45%. Penlanco Federal Credit Union's Credit Card Rates are at 8.45%. Penlanco Federal Credit Union's CD rates are 11% higher than the MonitorBankRates national average, and it has an A+ health rating. 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 10/28/2026.
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.
Penlanco Federal Credit Union has earned an overall safety grade of A+ (Exceptional, Score: 100/100).
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
Penlanco 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
?
0.77%
ExcellentLower than avg
Penlanco Federal Credit Union Texas Ratio
Penlanco Federal Credit Union's Texas Ratio is 0.77%, which is considered excellent and is lower than the national average of 6.13%.
Penlanco 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.
3.87% to 0.77% over 12 quarters, improvingFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this credit union has improved and is now 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.
Penlanco Federal Credit Union CD Rates
Product
Rate
APY
Term
View More
12 Month Share Certificate - New Money Special
4.184%
4.25%
12 months
Min Deposit$50,000
DetailsSPECIAL: $50,000 or more new money; New Money Certificate Special; Minimum deposit of $50,000 in new money required to earn 4.25% APY; Early withdrawal penalties apply
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 4.25% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
12 Month Share Certificate - New Money Special
3.941%
4.00%
12 months
Min Deposit$500
DetailsSPECIAL: $500 or more new money; New Money Certificate Special; Minimum deposit of $500 in new money required to earn 4.00% APY; Early withdrawal penalties apply
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 4.00% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Certificate - 24 month
3.747%
3.80%
24 months
No additional details.
Last Updated10/28/2026
Rate History
No change since Oct 4, 2026 · 3.80% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Certificate - 12 month
3.65%
3.70%
12 months
No additional details.
Last Updated10/28/2026
Rate History
No change since Oct 4, 2026 · 3.70% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Certificate - 6 month
3.552%
3.60%
6 months
No additional details.
Last Updated10/28/2026
Rate History
No change since Oct 4, 2026 · 3.60% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Certificate - 60 month
2.722%
2.75%
60 months
No additional details.
Last Updated10/28/2026
Rate History
No change since Oct 4, 2026 · 2.75% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Certificate - 48 month
2.673%
2.70%
48 months
No additional details.
Last Updated10/28/2026
Rate History
No change since Oct 4, 2026 · 2.70% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Certificate - 36 month
2.624%
2.65%
36 months
No additional details.
Last Updated10/28/2026
Rate History
No change since Oct 4, 2026 · 2.65% APY · checked 6 times
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
3.25%
3.298%
Min Balance$100,000
DetailsBalance: $100,000.01 and higher
Last Updated10/28/2026
Rate History
1 change since Oct 12, 2026 · 3.05% → 3.30% ▲ 0.25 pts · high 3.30% / low 3.05%
Oct 15, 20263.30%▲ from 3.05%
Oct 12, 20263.05%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Money Market Savings
2.50%
2.528%
Min Balance$25,000
DetailsBalance: $25,000.01 - $100,000.00
Last Updated10/28/2026
Rate History
1 change since Oct 12, 2026 · 2.28% → 2.53% ▲ 0.25 pts · high 2.53% / low 2.28%
Oct 15, 20262.53%▲ from 2.28%
Oct 12, 20262.28%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Money Market Savings
1.75%
1.764%
Min Balance$3,000
DetailsBalance: $3,000.00 - $25,000.00
Last Updated10/28/2026
Rate History
1 change since Oct 12, 2026 · 1.51% → 1.76% ▲ 0.25 pts · high 1.76% / low 1.51%
Oct 15, 20261.76%▲ from 1.51%
Oct 12, 20261.51%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Money Market Savings
0.75%
0.752%
Min Balance$500
DetailsBalance: $500.00 - $2,999.99
Last Updated10/28/2026
Rate History
2 changes since Oct 12, 2026 · 1.51% → 0.75% ▼ 0.76 pts · high 1.76% / low 0.75%
Oct 28, 20260.75%▼ from 1.76%
Oct 15, 20261.76%▲ from 1.51%
Oct 12, 20261.51%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Health Savings Account
0.30%
0.30%
No additional details.
Last Updated10/28/2026
Rate History
No change since Oct 28, 2026 · 0.30% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Money Market Savings
0.30%
0.30%
Min Balance$500
DetailsBalance: Up to $5,000.00; Minimum balance is $500.00; Up to two withdrawals or transfers per month with no fee
Last Updated10/28/2026
Rate History
2 changes since Oct 12, 2026 · 1.51% → 0.30% ▼ 1.21 pts · high 1.76% / low 0.30%
Oct 28, 20260.30%▼ from 1.76%
Oct 15, 20261.76%▲ from 1.51%
Oct 12, 20261.51%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Share Savings
0.30%
0.30%
DetailsBalance: Up to $5,000.00
Last Updated10/28/2026
Rate History
No change since Oct 15, 2026 · 0.30% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Money Market Savings
0.25%
0.25%
Min Balance$5,000
DetailsBalance: $5,000.01 and up; Minimum balance is $500.00; Up to two withdrawals or transfers per month with no fee
Last Updated10/28/2026
Rate History
2 changes since Oct 12, 2026 · 1.51% → 0.25% ▼ 1.26 pts · high 1.76% / low 0.25%
Oct 28, 20260.25%▼ from 1.76%
Oct 15, 20261.76%▲ from 1.51%
Oct 12, 20261.51%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Share Savings
0.25%
0.25%
Min Deposit$5
DetailsOpening deposit $5 with valid photo ID
Last Updated10/28/2026
Rate History
No change since Oct 15, 2026 · 0.25% APY · checked 3 times
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
3.25%
3.298%
Min Balance$100,000
DetailsBalance: $100,000.01 and higher
Last Updated10/28/2026
Rate History
1 change since Oct 12, 2026 · 3.05% → 3.30% ▲ 0.25 pts · high 3.30% / low 3.05%
Oct 15, 20263.30%▲ from 3.05%
Oct 12, 20263.05%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Money Market Savings
2.50%
2.528%
Min Balance$25,000
DetailsBalance: $25,000.01 - $100,000.00
Last Updated10/28/2026
Rate History
1 change since Oct 12, 2026 · 2.28% → 2.53% ▲ 0.25 pts · high 2.53% / low 2.28%
Oct 15, 20262.53%▲ from 2.28%
Oct 12, 20262.28%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Money Market Savings
1.75%
1.764%
Min Balance$3,000
DetailsBalance: $3,000.00 - $25,000.00
Last Updated10/28/2026
Rate History
1 change since Oct 12, 2026 · 1.51% → 1.76% ▲ 0.25 pts · high 1.76% / low 1.51%
Oct 15, 20261.76%▲ from 1.51%
Oct 12, 20261.51%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Money Market Savings
0.75%
0.752%
Min Balance$500
DetailsBalance: $500.00 - $2,999.99
Last Updated10/28/2026
Rate History
2 changes since Oct 12, 2026 · 1.51% → 0.75% ▼ 0.76 pts · high 1.76% / low 0.75%
Oct 28, 20260.75%▼ from 1.76%
Oct 15, 20261.76%▲ from 1.51%
Oct 12, 20261.51%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Money Market Savings
0.30%
0.30%
Min Balance$500
DetailsBalance: Up to $5,000.00; Minimum balance is $500.00; Up to two withdrawals or transfers per month with no fee
Last Updated10/28/2026
Rate History
2 changes since Oct 12, 2026 · 1.51% → 0.30% ▼ 1.21 pts · high 1.76% / low 0.30%
Oct 28, 20260.30%▼ from 1.76%
Oct 15, 20261.76%▲ from 1.51%
Oct 12, 20261.51%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Money Market Savings
0.25%
0.25%
Min Balance$5,000
DetailsBalance: $5,000.01 and up; Minimum balance is $500.00; Up to two withdrawals or transfers per month with no fee
Last Updated10/28/2026
Rate History
2 changes since Oct 12, 2026 · 1.51% → 0.25% ▼ 1.26 pts · high 1.76% / low 0.25%
Oct 28, 20260.25%▼ from 1.76%
Oct 15, 20261.76%▲ from 1.51%
Oct 12, 20261.51%first recorded
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
Fixed Home Equity Loan - 5 Years
-
-
4.95%
5 years
DetailsCredit Score: 730 + FICO; Fixed Home Equity Loans available in amounts of $5,000 or more; Maximum Loan-to-Value 80%; property must be in PA and be the primary residence; closing costs increase the APR
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 4.95% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Fixed Home Equity Loan - 5 Years
-
-
5.20%
5 years
DetailsCredit Score: 690-729 FICO; Fixed Home Equity Loans available in amounts of $5,000 or more; Maximum Loan-to-Value 80%; property must be in PA and be the primary residence; closing costs increase the APR
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 5.20% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Home Equity Loan
-
-
5.20%
5 years
DetailsFICO: 690-729 FICO; Rates shown are APR; Fixed Home Equity Loans available in amounts of $5,000 or more; Maximum Loan-to-Value is 80%; Property must be in PA and be the primary residence; APR based on TransUnion credit score; closing costs increase the APR
Last Updated10/28/2026
Rate History
1 change since Sep 25, 2026 · 5.00% → 5.20% ▲ 0.20 pts · high 5.20% / low 5.00%
Oct 23, 20265.20%▲ from 5.00%
Sep 25, 20265.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Fixed Home Equity Loan - 10 Years
-
-
5.25%
10 years
DetailsCredit Score: 730 + FICO; Fixed Home Equity Loans available in amounts of $5,000 or more; Maximum Loan-to-Value 80%; property must be in PA and be the primary residence; closing costs increase the APR
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 5.25% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Home Equity Loan
-
-
5.25%
10 years
DetailsFICO: 730 + FICO; Rates shown are APR; Fixed Home Equity Loans available in amounts of $5,000 or more; Maximum Loan-to-Value is 80%; Property must be in PA and be the primary residence; APR based on TransUnion credit score; closing costs increase the APR
Last Updated10/28/2026
Rate History
1 change since Sep 25, 2026 · 5.20% → 5.25% ▲ 0.05 pts · high 5.25% / low 5.20%
Oct 23, 20265.25%▲ from 5.20%
Sep 25, 20265.20%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Fixed Home Equity Loan - 10 Years
-
-
5.50%
10 years
DetailsCredit Score: 690-729 FICO; Fixed Home Equity Loans available in amounts of $5,000 or more; Maximum Loan-to-Value 80%; property must be in PA and be the primary residence; closing costs increase the APR
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 5.50% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Home Equity Loan
-
-
5.50%
10 years
DetailsFICO: 690-729 FICO; Rates shown are APR; Fixed Home Equity Loans available in amounts of $5,000 or more; Maximum Loan-to-Value is 80%; Property must be in PA and be the primary residence; APR based on TransUnion credit score; closing costs increase the APR
Last Updated10/28/2026
Rate History
1 change since Sep 25, 2026 · 5.70% → 5.50% ▼ 0.20 pts · high 5.70% / low 5.50%
Oct 23, 20265.50%▼ from 5.70%
Sep 25, 20265.70%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Fixed Home Equity Loan - 5 Years
-
-
5.70%
5 years
DetailsCredit Score: 650-689 FICO; Fixed Home Equity Loans available in amounts of $5,000 or more; Maximum Loan-to-Value 80%; property must be in PA and be the primary residence; closing costs increase the APR
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 5.70% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Home Equity Loan
-
-
5.70%
5 years
DetailsFICO: 650-689 FICO; Rates shown are APR; Fixed Home Equity Loans available in amounts of $5,000 or more; Maximum Loan-to-Value is 80%; Property must be in PA and be the primary residence; APR based on TransUnion credit score; closing costs increase the APR
Last Updated10/28/2026
Rate History
1 change since Sep 25, 2026 · 5.50% → 5.70% ▲ 0.20 pts · high 5.70% / low 5.50%
Oct 23, 20265.70%▲ from 5.50%
Sep 25, 20265.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Fixed Home Equity Loan - 10 Years
-
-
6.00%
10 years
DetailsCredit Score: 650-689 FICO; Fixed Home Equity Loans available in amounts of $5,000 or more; Maximum Loan-to-Value 80%; property must be in PA and be the primary residence; closing costs increase the APR
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 6.00% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Home Equity Loan
-
-
6.00%
10 years
DetailsFICO: 650-689 FICO; Rates shown are APR; Fixed Home Equity Loans available in amounts of $5,000 or more; Maximum Loan-to-Value is 80%; Property must be in PA and be the primary residence; APR based on TransUnion credit score; closing costs increase the APR
Last Updated10/28/2026
Rate History
1 change since Sep 25, 2026 · 5.70% → 6.00% ▲ 0.30 pts · high 6.00% / low 5.70%
Oct 23, 20266.00%▲ from 5.70%
Sep 25, 20265.70%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Fixed Home Equity Loan - 15 Years
-
-
6.05%
15 years
DetailsCredit Score: 730 + FICO; Fixed Home Equity Loans available in amounts of $5,000 or more; Maximum Loan-to-Value 80%; property must be in PA and be the primary residence; closing costs increase the APR
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 6.05% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Home Equity Loan
-
-
6.05%
15 years
DetailsFICO: 730 + FICO; Rates shown are APR; Fixed Home Equity Loans available in amounts of $5,000 or more; Maximum Loan-to-Value is 80%; Property must be in PA and be the primary residence; APR based on TransUnion credit score; closing costs increase the APR
Last Updated10/28/2026
Rate History
1 change since Sep 25, 2026 · 5.95% → 6.05% ▲ 0.10 pts · high 6.05% / low 5.95%
Oct 23, 20266.05%▲ from 5.95%
Sep 25, 20265.95%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Fixed Home Equity Loan - 15 Years
-
-
6.30%
15 years
DetailsCredit Score: 690-729 FICO; Fixed Home Equity Loans available in amounts of $5,000 or more; Maximum Loan-to-Value 80%; property must be in PA and be the primary residence; closing costs increase the APR
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 6.30% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Home Equity Loan
-
-
6.30%
15 years
DetailsFICO: 690-729 FICO; Rates shown are APR; Fixed Home Equity Loans available in amounts of $5,000 or more; Maximum Loan-to-Value is 80%; Property must be in PA and be the primary residence; APR based on TransUnion credit score; closing costs increase the APR
Last Updated10/28/2026
Rate History
1 change since Sep 25, 2026 · 6.20% → 6.30% ▲ 0.10 pts · high 6.30% / low 6.20%
Oct 23, 20266.30%▲ from 6.20%
Sep 25, 20266.20%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Fixed Home Equity Loan - 5 Years
-
-
6.45%
5 years
DetailsCredit Score: 610-649 FICO; Fixed Home Equity Loans available in amounts of $5,000 or more; Maximum Loan-to-Value 80%; property must be in PA and be the primary residence; closing costs increase the APR
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 6.45% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Home Equity Loan
-
-
6.45%
5 years
DetailsFICO: 610-649 FICO; Rates shown are APR; Fixed Home Equity Loans available in amounts of $5,000 or more; Maximum Loan-to-Value is 80%; Property must be in PA and be the primary residence; APR based on TransUnion credit score; closing costs increase the APR
Last Updated10/28/2026
Rate History
1 change since Sep 25, 2026 · 6.25% → 6.45% ▲ 0.20 pts · high 6.45% / low 6.25%
Oct 23, 20266.45%▲ from 6.25%
Sep 25, 20266.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Fixed Home Equity Loan - 10 Years
-
-
6.75%
10 years
DetailsCredit Score: 610-649 FICO; Fixed Home Equity Loans available in amounts of $5,000 or more; Maximum Loan-to-Value 80%; property must be in PA and be the primary residence; closing costs increase the APR
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 6.75% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Home Equity Loan
-
-
6.75%
10 years
DetailsFICO: 610-649 FICO; Rates shown are APR; Fixed Home Equity Loans available in amounts of $5,000 or more; Maximum Loan-to-Value is 80%; Property must be in PA and be the primary residence; APR based on TransUnion credit score; closing costs increase the APR
Last Updated10/28/2026
Rate History
1 change since Sep 25, 2026 · 6.95% → 6.75% ▼ 0.20 pts · high 6.95% / low 6.75%
Oct 23, 20266.75%▼ from 6.95%
Sep 25, 20266.95%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Fixed Home Equity Loan - 15 Years
-
-
6.80%
15 years
DetailsCredit Score: 650-689 FICO; Fixed Home Equity Loans available in amounts of $5,000 or more; Maximum Loan-to-Value 80%; property must be in PA and be the primary residence; closing costs increase the APR
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 6.80% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Home Equity Loan
-
-
6.80%
15 years
DetailsFICO: 650-689 FICO; Rates shown are APR; Fixed Home Equity Loans available in amounts of $5,000 or more; Maximum Loan-to-Value is 80%; Property must be in PA and be the primary residence; APR based on TransUnion credit score; closing costs increase the APR
Last Updated10/28/2026
Rate History
1 change since Sep 25, 2026 · 6.70% → 6.80% ▲ 0.10 pts · high 6.80% / low 6.70%
Oct 23, 20266.80%▲ from 6.70%
Sep 25, 20266.70%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Fixed Home Equity Loan - 5 Years
-
-
6.95%
5 years
DetailsCredit Score: <610 FICO; Fixed Home Equity Loans available in amounts of $5,000 or more; Maximum Loan-to-Value 80%; property must be in PA and be the primary residence; closing costs increase the APR
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 6.95% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Home Equity Loan
-
-
6.95%
5 years
DetailsFICO: <610 FICO; Rates shown are APR; Fixed Home Equity Loans available in amounts of $5,000 or more; Maximum Loan-to-Value is 80%; Property must be in PA and be the primary residence; APR based on TransUnion credit score; closing costs increase the APR
Last Updated10/28/2026
Rate History
1 change since Sep 25, 2026 · 6.75% → 6.95% ▲ 0.20 pts · high 6.95% / low 6.75%
Oct 23, 20266.95%▲ from 6.75%
Sep 25, 20266.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Fixed Home Equity Loan - 10 Years
-
-
7.25%
10 years
DetailsCredit Score: <610 FICO; Fixed Home Equity Loans available in amounts of $5,000 or more; Maximum Loan-to-Value 80%; property must be in PA and be the primary residence; closing costs increase the APR
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 7.25% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Home Equity Loan
-
-
7.25%
10 years
DetailsFICO: <610 FICO; Rates shown are APR; Fixed Home Equity Loans available in amounts of $5,000 or more; Maximum Loan-to-Value is 80%; Property must be in PA and be the primary residence; APR based on TransUnion credit score; closing costs increase the APR
Last Updated10/28/2026
Rate History
1 change since Sep 25, 2026 · 6.95% → 7.25% ▲ 0.30 pts · high 7.25% / low 6.95%
Oct 23, 20267.25%▲ from 6.95%
Sep 25, 20266.95%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Fixed Home Equity Loan - 15 Years
-
-
7.55%
15 years
DetailsCredit Score: 610-649 FICO; Fixed Home Equity Loans available in amounts of $5,000 or more; Maximum Loan-to-Value 80%; property must be in PA and be the primary residence; closing costs increase the APR
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 7.55% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Home Equity Loan
-
-
7.55%
15 years
DetailsFICO: 610-649 FICO; Rates shown are APR; Fixed Home Equity Loans available in amounts of $5,000 or more; Maximum Loan-to-Value is 80%; Property must be in PA and be the primary residence; APR based on TransUnion credit score; closing costs increase the APR
Last Updated10/28/2026
Rate History
1 change since Sep 25, 2026 · 7.45% → 7.55% ▲ 0.10 pts · high 7.55% / low 7.45%
Oct 23, 20267.55%▲ from 7.45%
Sep 25, 20267.45%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Fixed Home Equity Loan - 15 Years
-
-
8.05%
15 years
DetailsCredit Score: <610 FICO; Fixed Home Equity Loans available in amounts of $5,000 or more; Maximum Loan-to-Value 80%; property must be in PA and be the primary residence; closing costs increase the APR
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 8.05% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Home Equity Loan
-
-
8.05%
15 years
DetailsFICO: <610 FICO; Rates shown are APR; Fixed Home Equity Loans available in amounts of $5,000 or more; Maximum Loan-to-Value is 80%; Property must be in PA and be the primary residence; APR based on TransUnion credit score; closing costs increase the APR
Last Updated10/28/2026
Rate History
1 change since Sep 25, 2026 · 7.95% → 8.05% ▲ 0.10 pts · high 8.05% / low 7.95%
Oct 23, 20268.05%▲ from 7.95%
Sep 25, 20267.95%first recorded
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
Auto Loan
-
-
4.85%
3 years
DetailsNew Vehicles; Credit Score: 730 + FICO; Rates shown are APR based on TransUnion credit score(s)
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 4.85% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
New Vehicle Auto Loan
-
-
4.85%
3 years
DetailsCredit Score: 730 + FICO; Rates shown are APR based on TransUnion credit score(s)
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 4.85% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used Vehicle Auto Loan (2018-2026)
-
-
4.85%
3 years
DetailsCredit score: 730 + FICO; Rates shown are APR based on TransUnion score
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 4.85% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Auto Loan
-
-
5.05%
5 years
DetailsNew Vehicles; Credit Score: 730 + FICO; Rates shown are APR based on TransUnion credit score(s)
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 5.05% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
New Vehicle Auto Loan
-
-
5.05%
5 years
DetailsCredit Score: 730 + FICO; Rates shown are APR based on TransUnion credit score(s)
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 5.05% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used Vehicle Auto Loan (2018-2026)
-
-
5.05%
4 years
DetailsCredit score: 730 + FICO; Rates shown are APR based on TransUnion score
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 5.05% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Auto Loan
-
-
5.25%
6 years
DetailsNew Vehicles; Credit Score: 730 + FICO; Rates shown are APR based on TransUnion credit score(s)
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 5.25% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
New Vehicle Auto Loan
-
-
5.25%
6 years
DetailsCredit Score: 730 + FICO; Rates shown are APR based on TransUnion credit score(s)
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 5.25% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used Vehicle Auto Loan (2018-2026)
-
-
5.25%
6 years
DetailsCredit score: 730 + FICO; Rates shown are APR based on TransUnion score
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 5.25% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Auto Loan
-
-
5.35%
3 years
DetailsNew Vehicles; Credit Score: 690-729 FICO; Rates shown are APR based on TransUnion credit score(s)
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 5.35% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
New Vehicle Auto Loan
-
-
5.35%
3 years
DetailsCredit Score: 690-729 FICO; Rates shown are APR based on TransUnion credit score(s)
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 5.35% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used Vehicle Auto Loan (2017 and older)
-
-
5.35%
3 years
DetailsCredit score: 730 + FICO; Rates shown are APR based on TransUnion score
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 5.35% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used Vehicle Auto Loan (2018-2026)
-
-
5.35%
3 years
DetailsCredit score: 690-729 FICO; Rates shown are APR based on TransUnion score
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 5.35% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used Vehicles - 2017 and older Loan
-
-
5.35%
3 years
DetailsCredit Score: 730 + FICO; Rates shown are APR
Last Updated10/28/2026
Rate History
1 change since Sep 16, 2026 · 5.25% → 5.35% ▲ 0.10 pts · high 5.35% / low 5.25%
No change since Oct 23, 2026 · 5.75% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used Vehicles - 2017 and older Loan
-
-
5.85%
3 years
DetailsCredit Score: 690-729 FICO; Rates shown are APR
Last Updated10/28/2026
Rate History
1 change since Sep 16, 2026 · 5.75% → 5.85% ▲ 0.10 pts · high 5.85% / low 5.75%
Oct 23, 20265.85%▲ from 5.75%
Sep 16, 20265.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used Vehicles 2017 and Older Auto Loan
-
-
5.85%
3 years
DetailsFICO: 690-729 FICO; Rates shown are Annual Percentage Rate (APR)
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 5.85% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used Vehicles - 2017 and older Loan
-
-
6.05%
4 years
DetailsCredit Score: 690-729 FICO; Rates shown are APR
Last Updated10/28/2026
Rate History
1 change since Sep 16, 2026 · 5.95% → 6.05% ▲ 0.10 pts · high 6.05% / low 5.95%
Oct 23, 20266.05%▲ from 5.95%
Sep 16, 20265.95%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used Vehicles 2017 and Older Auto Loan
-
-
6.05%
4 years
DetailsFICO: 690-729 FICO; Rates shown are Annual Percentage Rate (APR)
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 6.05% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Auto Loan
-
-
6.15%
7 years
DetailsNew Vehicles; Credit Score: 690-729 FICO; Rates shown are APR based on TransUnion credit score(s)
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 6.15% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
New Vehicle Auto Loan
-
-
6.15%
7 years
DetailsCredit Score: 690-729 FICO; Rates shown are APR based on TransUnion credit score(s)
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 6.15% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used Vehicle Auto Loan (2018-2026)
-
-
6.15%
7 years
DetailsCredit score: 690-729 FICO; Rates shown are APR based on TransUnion score
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 6.15% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used Vehicles - 2017 and older Loan
-
-
6.25%
5 years
DetailsCredit Score: 690-729 FICO; Rates shown are APR
Last Updated10/28/2026
Rate History
1 change since Sep 16, 2026 · 6.15% → 6.25% ▲ 0.10 pts · high 6.25% / low 6.15%
Oct 23, 20266.25%▲ from 6.15%
Sep 16, 20266.15%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used Vehicles 2017 and Older Auto Loan
-
-
6.25%
5 years
DetailsFICO: 690-729 FICO; Rates shown are Annual Percentage Rate (APR)
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 6.25% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Auto Loan
-
-
6.85%
3 years
DetailsNew Vehicles; Credit Score: 650-689 FICO; Rates shown are APR based on TransUnion credit score(s)
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 6.85% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
New Vehicle Auto Loan
-
-
6.85%
3 years
DetailsCredit Score: 650-689 FICO; Rates shown are APR based on TransUnion credit score(s)
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 6.85% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used Vehicle Auto Loan (2018-2026)
-
-
6.85%
3 years
DetailsCredit score: 650-689 FICO; Rates shown are APR based on TransUnion score
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 6.85% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Auto Loan
-
-
7.05%
5 years
DetailsNew Vehicles; Credit Score: 650-689 FICO; Rates shown are APR based on TransUnion credit score(s)
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 7.05% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
New Vehicle Auto Loan
-
-
7.05%
5 years
DetailsCredit Score: 650-689 FICO; Rates shown are APR based on TransUnion credit score(s)
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 7.05% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used Vehicle Auto Loan (2018-2026)
-
-
7.05%
4 years
DetailsCredit score: 650-689 FICO; Rates shown are APR based on TransUnion score
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 7.05% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Auto Loan
-
-
7.25%
6 years
DetailsNew Vehicles; Credit Score: 650-689 FICO; Rates shown are APR based on TransUnion credit score(s)
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 7.25% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
New Vehicle Auto Loan
-
-
7.25%
6 years
DetailsCredit Score: 650-689 FICO; Rates shown are APR based on TransUnion credit score(s)
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 7.25% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used Vehicle Auto Loan (2018-2026)
-
-
7.25%
6 years
DetailsCredit score: 650-689 FICO; Rates shown are APR based on TransUnion score
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 7.25% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used Vehicles - 2017 and older Loan
-
-
7.35%
3 years
DetailsCredit Score: 650-689 FICO; Rates shown are APR
Last Updated10/28/2026
Rate History
1 change since Sep 16, 2026 · 7.25% → 7.35% ▲ 0.10 pts · high 7.35% / low 7.25%
Oct 23, 20267.35%▲ from 7.25%
Sep 16, 20267.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used Vehicles 2017 and Older Auto Loan
-
-
7.35%
3 years
DetailsFICO: 650-689 FICO; Rates shown are Annual Percentage Rate (APR)
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 7.35% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used Vehicles - 2017 and older Loan
-
-
7.55%
4 years
DetailsCredit Score: 650-689 FICO; Rates shown are APR
Last Updated10/28/2026
Rate History
1 change since Sep 16, 2026 · 7.45% → 7.55% ▲ 0.10 pts · high 7.55% / low 7.45%
Oct 23, 20267.55%▲ from 7.45%
Sep 16, 20267.45%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used Vehicles 2017 and Older Auto Loan
-
-
7.55%
4 years
DetailsFICO: 650-689 FICO; Rates shown are Annual Percentage Rate (APR)
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 7.55% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Auto Loan
-
-
7.65%
7 years
DetailsNew Vehicles; Credit Score: 650-689 FICO; Rates shown are APR based on TransUnion credit score(s)
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 7.65% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
New Vehicle Auto Loan
-
-
7.65%
7 years
DetailsCredit Score: 650-689 FICO; Rates shown are APR based on TransUnion credit score(s)
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 7.65% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used Vehicle Auto Loan (2018-2026)
-
-
7.65%
7 years
DetailsCredit score: 650-689 FICO; Rates shown are APR based on TransUnion score
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 7.65% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used Vehicles - 2017 and older Loan
-
-
7.75%
5 years
DetailsCredit Score: 650-689 FICO; Rates shown are APR
Last Updated10/28/2026
Rate History
1 change since Sep 16, 2026 · 7.65% → 7.75% ▲ 0.10 pts · high 7.75% / low 7.65%
Oct 23, 20267.75%▲ from 7.65%
Sep 16, 20267.65%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used Vehicles 2017 and Older Auto Loan
-
-
7.75%
5 years
DetailsFICO: 650-689 FICO; Rates shown are Annual Percentage Rate (APR)
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 7.75% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Auto Loan
-
-
8.85%
3 years
DetailsNew Vehicles; Credit Score: 610-649 FICO; Rates shown are APR based on TransUnion credit score(s)
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 8.85% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
New Vehicle Auto Loan
-
-
8.85%
3 years
DetailsCredit Score: 610-649 FICO; Rates shown are APR based on TransUnion credit score(s)
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 8.85% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used Vehicle Auto Loan (2018-2026)
-
-
8.85%
3 years
DetailsCredit score: 610-649 FICO; Rates shown are APR based on TransUnion score
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 8.85% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Auto Loan
-
-
9.05%
5 years
DetailsNew Vehicles; Credit Score: 610-649 FICO; Rates shown are APR based on TransUnion credit score(s)
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 9.05% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
New Vehicle Auto Loan
-
-
9.05%
5 years
DetailsCredit Score: 610-649 FICO; Rates shown are APR based on TransUnion credit score(s)
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 9.05% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used Vehicle Auto Loan (2018-2026)
-
-
9.05%
4 years
DetailsCredit score: 610-649 FICO; Rates shown are APR based on TransUnion score
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 9.05% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Auto Loan
-
-
9.25%
6 years
DetailsNew Vehicles; Credit Score: 610-649 FICO; Rates shown are APR based on TransUnion credit score(s)
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 9.25% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
New Vehicle Auto Loan
-
-
9.25%
6 years
DetailsCredit Score: 610-649 FICO; Rates shown are APR based on TransUnion credit score(s)
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 9.25% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used Vehicle Auto Loan (2018-2026)
-
-
9.25%
6 years
DetailsCredit score: 610-649 FICO; Rates shown are APR based on TransUnion score
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 9.25% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used Vehicles - 2017 and older Loan
-
-
9.35%
3 years
DetailsCredit Score: 610-649 FICO; Rates shown are APR
Last Updated10/28/2026
Rate History
1 change since Sep 16, 2026 · 9.25% → 9.35% ▲ 0.10 pts · high 9.35% / low 9.25%
Oct 23, 20269.35%▲ from 9.25%
Sep 16, 20269.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used Vehicles 2017 and Older Auto Loan
-
-
9.35%
3 years
DetailsFICO: 610-649 FICO; Rates shown are Annual Percentage Rate (APR)
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 9.35% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used Vehicles - 2017 and older Loan
-
-
9.55%
4 years
DetailsCredit Score: 610-649 FICO; Rates shown are APR
Last Updated10/28/2026
Rate History
1 change since Sep 16, 2026 · 9.45% → 9.55% ▲ 0.10 pts · high 9.55% / low 9.45%
Oct 23, 20269.55%▲ from 9.45%
Sep 16, 20269.45%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used Vehicles 2017 and Older Auto Loan
-
-
9.55%
4 years
DetailsFICO: 610-649 FICO; Rates shown are Annual Percentage Rate (APR)
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 9.55% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Auto Loan
-
-
9.65%
7 years
DetailsNew Vehicles; Credit Score: 610-649 FICO; Rates shown are APR based on TransUnion credit score(s)
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 9.65% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
New Vehicle Auto Loan
-
-
9.65%
7 years
DetailsCredit Score: 610-649 FICO; Rates shown are APR based on TransUnion credit score(s)
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 9.65% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used Vehicle Auto Loan (2018-2026)
-
-
9.65%
7 years
DetailsCredit score: 610-649 FICO; Rates shown are APR based on TransUnion score
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 9.65% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used Vehicles - 2017 and older Loan
-
-
9.75%
5 years
DetailsCredit Score: 610-649 FICO; Rates shown are APR
Last Updated10/28/2026
Rate History
1 change since Sep 16, 2026 · 9.65% → 9.75% ▲ 0.10 pts · high 9.75% / low 9.65%
Oct 23, 20269.75%▲ from 9.65%
Sep 16, 20269.65%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used Vehicles 2017 and Older Auto Loan
-
-
9.75%
5 years
DetailsFICO: 610-649 FICO; Rates shown are Annual Percentage Rate (APR)
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 9.75% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Auto Loan
-
-
10.85%
3 years
DetailsNew Vehicles; Credit Score: <610 FICO; Rates shown are APR based on TransUnion credit score(s)
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 10.85% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
New Vehicle Auto Loan
-
-
10.85%
3 years
DetailsCredit Score: <610 FICO; Rates shown are APR based on TransUnion credit score(s)
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 10.85% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used Vehicle Auto Loan (2018-2026)
-
-
10.85%
3 years
DetailsCredit score: <610 FICO; Rates shown are APR based on TransUnion score
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 10.85% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Auto Loan
-
-
11.05%
5 years
DetailsNew Vehicles; Credit Score: <610 FICO; Rates shown are APR based on TransUnion credit score(s)
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 11.05% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
New Vehicle Auto Loan
-
-
11.05%
5 years
DetailsCredit Score: <610 FICO; Rates shown are APR based on TransUnion credit score(s)
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 11.05% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used Vehicle Auto Loan (2018-2026)
-
-
11.05%
4 years
DetailsCredit score: <610 FICO; Rates shown are APR based on TransUnion score
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 11.05% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Auto Loan
-
-
11.25%
6 years
DetailsNew Vehicles; Credit Score: <610 FICO; Rates shown are APR based on TransUnion credit score(s)
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 11.25% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
New Vehicle Auto Loan
-
-
11.25%
6 years
DetailsCredit Score: <610 FICO; Rates shown are APR based on TransUnion credit score(s)
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 11.25% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used Vehicle Auto Loan (2018-2026)
-
-
11.25%
6 years
DetailsCredit score: <610 FICO; Rates shown are APR based on TransUnion score
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 11.25% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used Vehicles - 2017 and older Loan
-
-
11.35%
3 years
DetailsCredit Score: <610 FICO; Rates shown are APR
Last Updated10/28/2026
Rate History
1 change since Sep 16, 2026 · 11.25% → 11.35% ▲ 0.10 pts · high 11.35% / low 11.25%
Oct 23, 202611.35%▲ from 11.25%
Sep 16, 202611.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used Vehicles 2017 and Older Auto Loan
-
-
11.35%
3 years
DetailsFICO: <610 FICO; Rates shown are Annual Percentage Rate (APR)
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 11.35% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used Vehicles - 2017 and older Loan
-
-
11.55%
4 years
DetailsCredit Score: <610 FICO; Rates shown are APR
Last Updated10/28/2026
Rate History
1 change since Sep 16, 2026 · 11.45% → 11.55% ▲ 0.10 pts · high 11.55% / low 11.45%
Oct 23, 202611.55%▲ from 11.45%
Sep 16, 202611.45%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used Vehicles 2017 and Older Auto Loan
-
-
11.55%
4 years
DetailsFICO: <610 FICO; Rates shown are Annual Percentage Rate (APR)
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 11.55% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Auto Loan
-
-
11.65%
7 years
DetailsNew Vehicles; Credit Score: <610 FICO; Rates shown are APR based on TransUnion credit score(s)
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 11.65% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
New Vehicle Auto Loan
-
-
11.65%
7 years
DetailsCredit Score: <610 FICO; Rates shown are APR based on TransUnion credit score(s)
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 11.65% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used Vehicle Auto Loan (2018-2026)
-
-
11.65%
7 years
DetailsCredit score: <610 FICO; Rates shown are APR based on TransUnion score
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 11.65% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used Vehicles - 2017 and older Loan
-
-
11.75%
5 years
DetailsCredit Score: <610 FICO; Rates shown are APR
Last Updated10/28/2026
Rate History
1 change since Sep 16, 2026 · 11.65% → 11.75% ▲ 0.10 pts · high 11.75% / low 11.65%
Oct 23, 202611.75%▲ from 11.65%
Sep 16, 202611.65%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used Vehicles 2017 and Older Auto Loan
-
-
11.75%
5 years
DetailsFICO: <610 FICO; Rates shown are Annual Percentage Rate (APR)
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 11.75% APR · checked 2 times
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
New RV/Boat Loan
-
5.85%
3 years
DetailsCredit score: 730 + FICO; Source table matches the New RV/Boat table in page context, not the Used RV/Boat - 2018-2026 label
Last Updated10/28/2026
Rate History
No change since Oct 15, 2026 · 5.85% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used RV/Boat - 2018-2026 Loan
-
5.85%
3 years
DetailsFICO: 730 + FICO; Rates shown are APR based on TransUnion credit score
Last Updated10/28/2026
Rate History
1 change since Sep 16, 2026 · 5.65% → 5.85% ▲ 0.20 pts · high 5.85% / low 5.65%
Oct 15, 20265.85%▲ from 5.65%
Sep 16, 20265.65%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
New RV/Boat Loan
-
6.05%
5 years
DetailsCredit score: 730 + FICO; Source table matches the New RV/Boat table in page context, not the Used RV/Boat - 2018-2026 label
Last Updated10/28/2026
Rate History
No change since Oct 15, 2026 · 6.05% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used RV/Boat - 2018-2026 Loan
-
6.05%
4 years
DetailsFICO: 730 + FICO; Rates shown are APR based on TransUnion credit score
Last Updated10/28/2026
Rate History
1 change since Sep 16, 2026 · 5.95% → 6.05% ▲ 0.10 pts · high 6.05% / low 5.95%
Oct 15, 20266.05%▲ from 5.95%
Sep 16, 20265.95%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used RV/Boat - 2018-2026 Loan
-
6.05%
5 years
DetailsFICO: 730 + FICO; Rates shown are APR based on TransUnion credit score
Last Updated10/28/2026
Rate History
1 change since Sep 16, 2026 · 5.95% → 6.05% ▲ 0.10 pts · high 6.05% / low 5.95%
Oct 15, 20266.05%▲ from 5.95%
Sep 16, 20265.95%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
New RV/Boat Loan
-
6.25%
6 years
DetailsCredit score: 730 + FICO; Source table matches the New RV/Boat table in page context, not the Used RV/Boat - 2018-2026 label
Last Updated10/28/2026
Rate History
No change since Oct 15, 2026 · 6.25% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used RV/Boat - 2018-2026 Loan
-
6.25%
6 years
DetailsFICO: 730 + FICO; Rates shown are APR based on TransUnion credit score
Last Updated10/28/2026
Rate History
1 change since Sep 16, 2026 · 6.15% → 6.25% ▲ 0.10 pts · high 6.25% / low 6.15%
Oct 15, 20266.25%▲ from 6.15%
Sep 16, 20266.15%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
New RV/Boat Loan
-
6.35%
3 years
DetailsCredit score: 690-729 FICO; Source table matches the New RV/Boat table in page context, not the Used RV/Boat - 2018-2026 label
Last Updated10/28/2026
Rate History
No change since Oct 15, 2026 · 6.35% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used RV/Boat - 2018-2026 Loan
-
6.35%
3 years
DetailsFICO: 690-729 FICO; Rates shown are APR based on TransUnion credit score
Last Updated10/28/2026
Rate History
1 change since Sep 16, 2026 · 6.15% → 6.35% ▲ 0.20 pts · high 6.35% / low 6.15%
Oct 15, 20266.35%▲ from 6.15%
Sep 16, 20266.15%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used RV/Boat Loan
-
6.35%
3 years
DetailsCredit Score: 730 + FICO; Used RV/Boat - 2017 and Older (per page tab order)
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 6.35% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
New RV/Boat Loan
-
6.55%
5 years
DetailsCredit score: 690-729 FICO; Source table matches the New RV/Boat table in page context, not the Used RV/Boat - 2018-2026 label
Last Updated10/28/2026
Rate History
No change since Oct 15, 2026 · 6.55% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used RV/Boat - 2018-2026 Loan
-
6.55%
4 years
DetailsFICO: 690-729 FICO; Rates shown are APR based on TransUnion credit score
Last Updated10/28/2026
Rate History
1 change since Sep 16, 2026 · 5.95% → 6.55% ▲ 0.60 pts · high 6.55% / low 5.95%
Oct 15, 20266.55%▲ from 5.95%
Sep 16, 20265.95%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used RV/Boat - 2018-2026 Loan
-
6.55%
5 years
DetailsFICO: 690-729 FICO; Rates shown are APR based on TransUnion credit score
Last Updated10/28/2026
Rate History
1 change since Sep 16, 2026 · 6.45% → 6.55% ▲ 0.10 pts · high 6.55% / low 6.45%
Oct 15, 20266.55%▲ from 6.45%
Sep 16, 20266.45%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used RV/Boat Loan
-
6.55%
4 years
DetailsCredit Score: 730 + FICO; Used RV/Boat - 2017 and Older (per page tab order)
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 6.55% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
New RV/Boat Loan
-
6.65%
7 years
DetailsCredit score: 730 + FICO; Source table matches the New RV/Boat table in page context, not the Used RV/Boat - 2018-2026 label
Last Updated10/28/2026
Rate History
No change since Oct 15, 2026 · 6.65% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used RV/Boat - 2018-2026 Loan
-
6.65%
7 years
DetailsFICO: 730 + FICO; Rates shown are APR based on TransUnion credit score
Last Updated10/28/2026
Rate History
1 change since Sep 16, 2026 · 6.55% → 6.65% ▲ 0.10 pts · high 6.65% / low 6.55%
Oct 15, 20266.65%▲ from 6.55%
Sep 16, 20266.55%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
New RV/Boat Loan
-
6.75%
6 years
DetailsCredit score: 690-729 FICO; Source table matches the New RV/Boat table in page context, not the Used RV/Boat - 2018-2026 label
Last Updated10/28/2026
Rate History
No change since Oct 15, 2026 · 6.75% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used RV/Boat - 2018-2026 Loan
-
6.75%
6 years
DetailsFICO: 690-729 FICO; Rates shown are APR based on TransUnion credit score
Last Updated10/28/2026
Rate History
1 change since Sep 16, 2026 · 6.65% → 6.75% ▲ 0.10 pts · high 6.75% / low 6.65%
Oct 15, 20266.75%▲ from 6.65%
Sep 16, 20266.65%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used RV/Boat Loan
-
6.75%
5 years
DetailsCredit Score: 730 + FICO; Used RV/Boat - 2017 and Older (per page tab order)
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 6.75% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used RV/Boat Loan
-
6.85%
3 years
DetailsCredit Score: 690-729 FICO; Used RV/Boat - 2017 and Older (per page tab order)
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 6.85% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used RV/Boat Loan
-
7.05%
4 years
DetailsCredit Score: 690-729 FICO; Used RV/Boat - 2017 and Older (per page tab order)
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 7.05% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
New RV/Boat Loan
-
7.15%
7 years
DetailsCredit score: 690-729 FICO; Source table matches the New RV/Boat table in page context, not the Used RV/Boat - 2018-2026 label
Last Updated10/28/2026
Rate History
No change since Oct 15, 2026 · 7.15% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used RV/Boat - 2018-2026 Loan
-
7.15%
7 years
DetailsFICO: 690-729 FICO; Rates shown are APR based on TransUnion credit score
Last Updated10/28/2026
Rate History
1 change since Sep 16, 2026 · 7.05% → 7.15% ▲ 0.10 pts · high 7.15% / low 7.05%
Oct 15, 20267.15%▲ from 7.05%
Sep 16, 20267.05%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used RV/Boat Loan
-
7.25%
5 years
DetailsCredit Score: 690-729 FICO; Used RV/Boat - 2017 and Older (per page tab order)
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 7.25% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
New RV/Boat Loan
-
7.85%
3 years
DetailsCredit score: 650-689 FICO; Source table matches the New RV/Boat table in page context, not the Used RV/Boat - 2018-2026 label
Last Updated10/28/2026
Rate History
No change since Oct 15, 2026 · 7.85% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used RV/Boat - 2018-2026 Loan
-
7.85%
3 years
DetailsFICO: 650-689 FICO; Rates shown are APR based on TransUnion credit score
Last Updated10/28/2026
Rate History
1 change since Sep 16, 2026 · 7.65% → 7.85% ▲ 0.20 pts · high 7.85% / low 7.65%
Oct 15, 20267.85%▲ from 7.65%
Sep 16, 20267.65%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
New RV/Boat Loan
-
8.05%
5 years
DetailsCredit score: 650-689 FICO; Source table matches the New RV/Boat table in page context, not the Used RV/Boat - 2018-2026 label
Last Updated10/28/2026
Rate History
No change since Oct 15, 2026 · 8.05% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used RV/Boat - 2018-2026 Loan
-
8.05%
4 years
DetailsFICO: 650-689 FICO; Rates shown are APR based on TransUnion credit score
Last Updated10/28/2026
Rate History
1 change since Sep 16, 2026 · 7.95% → 8.05% ▲ 0.10 pts · high 8.05% / low 7.95%
Oct 15, 20268.05%▲ from 7.95%
Sep 16, 20267.95%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used RV/Boat - 2018-2026 Loan
-
8.05%
5 years
DetailsFICO: 650-689 FICO; Rates shown are APR based on TransUnion credit score
Last Updated10/28/2026
Rate History
1 change since Sep 16, 2026 · 7.95% → 8.05% ▲ 0.10 pts · high 8.05% / low 7.95%
Oct 15, 20268.05%▲ from 7.95%
Sep 16, 20267.95%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
New RV/Boat Loan
-
8.25%
6 years
DetailsCredit score: 650-689 FICO; Source table matches the New RV/Boat table in page context, not the Used RV/Boat - 2018-2026 label
Last Updated10/28/2026
Rate History
No change since Oct 15, 2026 · 8.25% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used RV/Boat - 2018-2026 Loan
-
8.25%
6 years
DetailsFICO: 650-689 FICO; Rates shown are APR based on TransUnion credit score
Last Updated10/28/2026
Rate History
1 change since Sep 16, 2026 · 8.15% → 8.25% ▲ 0.10 pts · high 8.25% / low 8.15%
Oct 15, 20268.25%▲ from 8.15%
Sep 16, 20268.15%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used RV/Boat Loan
-
8.35%
3 years
DetailsCredit Score: 650-689 FICO; Used RV/Boat - 2017 and Older (per page tab order)
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 8.35% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used RV/Boat Loan
-
8.55%
4 years
DetailsCredit Score: 650-689 FICO; Used RV/Boat - 2017 and Older (per page tab order)
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 8.55% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
New RV/Boat Loan
-
8.65%
7 years
DetailsCredit score: 650-689 FICO; Source table matches the New RV/Boat table in page context, not the Used RV/Boat - 2018-2026 label
Last Updated10/28/2026
Rate History
No change since Oct 15, 2026 · 8.65% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used RV/Boat - 2018-2026 Loan
-
8.65%
7 years
DetailsFICO: 650-689 FICO; Rates shown are APR based on TransUnion credit score
Last Updated10/28/2026
Rate History
1 change since Sep 16, 2026 · 8.55% → 8.65% ▲ 0.10 pts · high 8.65% / low 8.55%
Oct 15, 20268.65%▲ from 8.55%
Sep 16, 20268.55%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used RV/Boat Loan
-
8.75%
5 years
DetailsCredit Score: 650-689 FICO; Used RV/Boat - 2017 and Older (per page tab order)
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 8.75% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
New RV/Boat Loan
-
9.85%
3 years
DetailsCredit score: 610-649 FICO; Source table matches the New RV/Boat table in page context, not the Used RV/Boat - 2018-2026 label
Last Updated10/28/2026
Rate History
No change since Oct 15, 2026 · 9.85% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used RV/Boat - 2018-2026 Loan
-
9.85%
3 years
DetailsFICO: 610-649 FICO; Rates shown are APR based on TransUnion credit score
Last Updated10/28/2026
Rate History
1 change since Sep 16, 2026 · 9.65% → 9.85% ▲ 0.20 pts · high 9.85% / low 9.65%
Oct 15, 20269.85%▲ from 9.65%
Sep 16, 20269.65%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
New RV/Boat Loan
-
10.05%
5 years
DetailsCredit score: 610-649 FICO; Source table matches the New RV/Boat table in page context, not the Used RV/Boat - 2018-2026 label
Last Updated10/28/2026
Rate History
No change since Oct 15, 2026 · 10.05% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used RV/Boat - 2018-2026 Loan
-
10.05%
4 years
DetailsFICO: 610-649 FICO; Rates shown are APR based on TransUnion credit score
Last Updated10/28/2026
Rate History
1 change since Sep 16, 2026 · 9.95% → 10.05% ▲ 0.10 pts · high 10.05% / low 9.95%
Oct 15, 202610.05%▲ from 9.95%
Sep 16, 20269.95%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used RV/Boat - 2018-2026 Loan
-
10.05%
5 years
DetailsFICO: 610-649 FICO; Rates shown are APR based on TransUnion credit score
Last Updated10/28/2026
Rate History
1 change since Sep 16, 2026 · 9.95% → 10.05% ▲ 0.10 pts · high 10.05% / low 9.95%
Oct 15, 202610.05%▲ from 9.95%
Sep 16, 20269.95%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
New RV/Boat Loan
-
10.25%
6 years
DetailsCredit score: 610-649 FICO; Source table matches the New RV/Boat table in page context, not the Used RV/Boat - 2018-2026 label
Last Updated10/28/2026
Rate History
No change since Oct 15, 2026 · 10.25% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used RV/Boat - 2018-2026 Loan
-
10.25%
6 years
DetailsFICO: 610-649 FICO; Rates shown are APR based on TransUnion credit score
Last Updated10/28/2026
Rate History
1 change since Sep 16, 2026 · 10.15% → 10.25% ▲ 0.10 pts · high 10.25% / low 10.15%
Oct 15, 202610.25%▲ from 10.15%
Sep 16, 202610.15%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used RV/Boat Loan
-
10.35%
3 years
DetailsCredit Score: 610-649 FICO; Used RV/Boat - 2017 and Older (per page tab order)
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 10.35% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used RV/Boat Loan
-
10.55%
4 years
DetailsCredit Score: 610-649 FICO; Used RV/Boat - 2017 and Older (per page tab order)
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 10.55% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
New RV/Boat Loan
-
10.65%
7 years
DetailsCredit score: 610-649 FICO; Source table matches the New RV/Boat table in page context, not the Used RV/Boat - 2018-2026 label
Last Updated10/28/2026
Rate History
No change since Oct 15, 2026 · 10.65% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used RV/Boat - 2018-2026 Loan
-
10.65%
7 years
DetailsFICO: 610-649 FICO; Rates shown are APR based on TransUnion credit score
Last Updated10/28/2026
Rate History
1 change since Sep 16, 2026 · 10.55% → 10.65% ▲ 0.10 pts · high 10.65% / low 10.55%
Oct 15, 202610.65%▲ from 10.55%
Sep 16, 202610.55%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used RV/Boat Loan
-
10.75%
5 years
DetailsCredit Score: 610-649 FICO; Used RV/Boat - 2017 and Older (per page tab order)
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 10.75% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
New RV/Boat Loan
-
11.85%
3 years
DetailsCredit score: <610 FICO; Source table matches the New RV/Boat table in page context, not the Used RV/Boat - 2018-2026 label
Last Updated10/28/2026
Rate History
No change since Oct 15, 2026 · 11.85% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used RV/Boat - 2018-2026 Loan
-
11.85%
3 years
DetailsFICO: <610 FICO; Rates shown are APR based on TransUnion credit score
Last Updated10/28/2026
Rate History
1 change since Sep 16, 2026 · 11.65% → 11.85% ▲ 0.20 pts · high 11.85% / low 11.65%
Oct 15, 202611.85%▲ from 11.65%
Sep 16, 202611.65%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
New RV/Boat Loan
-
12.05%
5 years
DetailsCredit score: <610 FICO; Source table matches the New RV/Boat table in page context, not the Used RV/Boat - 2018-2026 label
Last Updated10/28/2026
Rate History
No change since Oct 15, 2026 · 12.05% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used RV/Boat - 2018-2026 Loan
-
12.05%
4 years
DetailsFICO: <610 FICO; Rates shown are APR based on TransUnion credit score
Last Updated10/28/2026
Rate History
1 change since Sep 16, 2026 · 11.95% → 12.05% ▲ 0.10 pts · high 12.05% / low 11.95%
Oct 15, 202612.05%▲ from 11.95%
Sep 16, 202611.95%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used RV/Boat - 2018-2026 Loan
-
12.05%
5 years
DetailsFICO: <610 FICO; Rates shown are APR based on TransUnion credit score
Last Updated10/28/2026
Rate History
1 change since Sep 16, 2026 · 11.95% → 12.05% ▲ 0.10 pts · high 12.05% / low 11.95%
Oct 15, 202612.05%▲ from 11.95%
Sep 16, 202611.95%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
New RV/Boat Loan
-
12.25%
6 years
DetailsCredit score: <610 FICO; Source table matches the New RV/Boat table in page context, not the Used RV/Boat - 2018-2026 label
Last Updated10/28/2026
Rate History
No change since Oct 15, 2026 · 12.25% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used RV/Boat - 2018-2026 Loan
-
12.25%
6 years
DetailsFICO: <610 FICO; Rates shown are APR based on TransUnion credit score
Last Updated10/28/2026
Rate History
1 change since Sep 16, 2026 · 12.15% → 12.25% ▲ 0.10 pts · high 12.25% / low 12.15%
Oct 15, 202612.25%▲ from 12.15%
Sep 16, 202612.15%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used RV/Boat Loan
-
12.35%
3 years
DetailsCredit Score: <610 FICO; Used RV/Boat - 2017 and Older (per page tab order)
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 12.35% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used RV/Boat Loan
-
12.55%
4 years
DetailsCredit Score: <610 FICO; Used RV/Boat - 2017 and Older (per page tab order)
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 12.55% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
New RV/Boat Loan
-
12.65%
7 years
DetailsCredit score: <610 FICO; Source table matches the New RV/Boat table in page context, not the Used RV/Boat - 2018-2026 label
Last Updated10/28/2026
Rate History
No change since Oct 15, 2026 · 12.65% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used RV/Boat - 2018-2026 Loan
-
12.65%
7 years
DetailsFICO: <610 FICO; Rates shown are APR based on TransUnion credit score
Last Updated10/28/2026
Rate History
1 change since Sep 16, 2026 · 12.55% → 12.65% ▲ 0.10 pts · high 12.65% / low 12.55%
Oct 15, 202612.65%▲ from 12.55%
Sep 16, 202612.55%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Used RV/Boat Loan
-
12.75%
5 years
DetailsCredit Score: <610 FICO; Used RV/Boat - 2017 and Older (per page tab order)
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 12.75% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Penlanco Federal Credit Union Student Loan Rates
Product
Rate
Points
APR
Term
View More
Education Loan
-
-
5.25%
5 years
DetailsCredit Score: 730 + FICO; APR based on TransUnion score
Last Updated10/28/2026
Rate History
No change since Oct 15, 2026 · 5.25% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Education Loan
-
-
5.50%
10 years
DetailsCredit Score: 730 + FICO; APR based on TransUnion score
Last Updated10/28/2026
Rate History
No change since Oct 15, 2026 · 5.50% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Education Loan
-
-
5.75%
5 years
DetailsCredit Score: 690-729 FICO; APR based on TransUnion score
Last Updated10/28/2026
Rate History
No change since Oct 15, 2026 · 5.75% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Education Loan
-
-
6.00%
10 years
DetailsCredit Score: 690-729 FICO; APR based on TransUnion score
Last Updated10/28/2026
Rate History
No change since Oct 15, 2026 · 6.00% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Education Loan
-
-
7.25%
5 years
DetailsCredit Score: 650-689 FICO; APR based on TransUnion score
Last Updated10/28/2026
Rate History
No change since Oct 15, 2026 · 7.25% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Education Loan
-
-
7.50%
10 years
DetailsCredit Score: 650-689 FICO; APR based on TransUnion score
Last Updated10/28/2026
Rate History
No change since Oct 15, 2026 · 7.50% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Education Loan
-
-
9.25%
5 years
DetailsCredit Score: 610-649 FICO; APR based on TransUnion score
Last Updated10/28/2026
Rate History
No change since Oct 15, 2026 · 9.25% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Education Loan
-
-
9.50%
10 years
DetailsCredit Score: 610-649 FICO; APR based on TransUnion score
Last Updated10/28/2026
Rate History
No change since Oct 15, 2026 · 9.50% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Education Loan
-
-
11.25%
5 years
DetailsCredit Score: <610 FICO; APR based on TransUnion score
Last Updated10/28/2026
Rate History
No change since Oct 15, 2026 · 11.25% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Education Loan
-
-
11.50%
10 years
DetailsCredit Score: <610 FICO; APR based on TransUnion score
Last Updated10/28/2026
Rate History
No change since Oct 15, 2026 · 11.50% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Penlanco Federal Credit Union Credit Card Rates
Product
Rate
APR
View More
Personal Credit Card
-
8.45%
DetailsAs Low As; Featured rate card
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 8.45% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
Penlanco Federal Credit Union Personal Loan Rates
Product
APR
Term
View More
Personal Credit Card
8.45%
DetailsAs Low As; Featured rate card
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 8.45% APR · checked 2 times
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
HSAs
0.30%
-
0.30%
DetailsEarly withdrawal penalties apply to certificates only where stated
Last Updated10/28/2026
Rate History
No change since Oct 28, 2026 · 0.30% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
IRAs
0.50%
-
0.50%
Last Updated10/28/2026
Rate History
No change since Oct 15, 2026 · 0.50% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
New Money Certificate Special - 12 Months
3.941%
-
4.00%
12 months
Min Deposit$500
DetailsNew money special; $500 or more new money; minimum deposit of $500 in new money required to earn 4.00% APY; maximum $1 million total deposits under this promotion, $250,000 per household; transfers from existing Penlanco FCU accounts or certificates do not qualify
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 4.00% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
New Money Certificate Special - 12 Months
4.184%
-
4.25%
12 months
Min Deposit$50,000
DetailsNew money special; $50,000 or more new money; minimum deposit of $50,000 in new money required to earn 4.25% APY; maximum $1 million total deposits under this promotion, $250,000 per household; transfers from existing Penlanco FCU accounts or certificates do not qualify
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 4.25% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.77%
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.
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
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
$27M
0.77%
5.0
A+
March 31, 2026
$28M
0.80%
5.0
A+
December 31, 2025
$27M
1.94%
5.0
A+
September 30, 2025
$26M
0.68%
5.0
A+
June 30, 2025
$26M
0.00%
5.0
A+
March 31, 2025
$26M
0.06%
5.0
A+
December 31, 2024
$25M
0.00%
5.0
A+
September 30, 2024
$26M
0.65%
5.0
A+
June 30, 2024
$26M
0.00%
5.0
A+
March 31, 2024
$26M
0.47%
5.0
A+
December 31, 2023
$26M
0.30%
5.0
A+
September 30, 2023
$26M
3.87%
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 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.
Address
20E E Roseville Rd,
Lancaster, PA 17601-3871
Phone717-569-9621
Fax717-569-9665
PresidentANNETTE CEVIS
CEOSTACEY REMICK
Full-Time Employees5
Part-Time Employees0
Branch Locations1
ATM Locations0
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
2026 MBR Health & Safety Badge
Penlanco 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
There are no reviews for Penlanco Federal Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for Penlanco Federal Credit Union
Frequently Asked Questions About Penlanco Federal Credit Union
Does Penlanco Federal Credit Union offer CDs?
Yes. Penlanco Federal Credit Union current CD rates include its CD - 24 month at 3.80% APY, its CD - 12 month at 3.70% APY and its CD - 6 month at 3.60% APY, verified by MonitorBankRates as of October 28, 2026.
Are CDs from Penlanco Federal Credit Union NCUA insured?
Yes. Penlanco 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 Penlanco Federal Credit Union?
The highest Penlanco Federal Credit Union CD rate is its 12 Month CD - New Money Special at 4.25% APY, verified by MonitorBankRates as of October 28, 2026.
What CD terms does Penlanco Federal Credit Union offer?
Penlanco Federal Credit Union CD rates are 3.60% APY for a 6 month CD, 3.70% APY for a 12 month CD, 3.80% APY for a 2 year CD, 2.70% APY for a 4 year CD and 2.75% 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 Penlanco Federal Credit Union for its full lineup.
What is the highest savings rate at Penlanco Federal Credit Union?
The highest Penlanco Federal Credit Union savings rate is its Health Savings Account at 0.30% APY, verified by MonitorBankRates as of October 28, 2026.
What is the highest money market rate at Penlanco Federal Credit Union?
The highest Penlanco Federal Credit Union money market rate is its Money Market Savings at 3.298% APY, verified by MonitorBankRates as of October 28, 2026.
What is the lowest auto loan rate at Penlanco Federal Credit Union?
The lowest Penlanco Federal Credit Union auto loan rate is its Auto Loan at 4.85% APR, verified by MonitorBankRates as of October 28, 2026.
What is the lowest personal loan rate at Penlanco Federal Credit Union?
The lowest Penlanco Federal Credit Union personal loan rate is its Personal Credit Card at 8.45% APR, verified by MonitorBankRates as of October 28, 2026.
What is the lowest credit card APR at Penlanco Federal Credit Union?
The lowest Penlanco Federal Credit Union credit card APR is its Personal Credit Card at 8.45% APR, verified by MonitorBankRates as of October 28, 2026.
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.
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 Penlanco Federal Credit Union rates compare?
Penlanco Federal Credit Union's CD rates are 11% higher than the MonitorBankRates national average, and it has an A+ health rating. Penlanco Federal Credit Union's top rates are its 12 Month CD - New Money Special at 4.25% APY, its Money Market Savings at 3.298% APY, its Personal Credit Card at 8.45% APR and its Personal Credit Card at 8.45% APR, verified by MonitorBankRates on October 28, 2026.
Current Penlanco Federal Credit Union Rates
12-Month CD3.70%
24-Month CD3.80%
60-Month CD2.75%
Savings3.30%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
