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PENN HILLS MUNICIPAL

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PENN HILLS MUNICIPAL Rates & Review April 2026

Q: How many branches does PENN HILLS MUNICIPAL operate?

PENN HILLS MUNICIPAL currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join PENN HILLS MUNICIPAL?

Yes, to access services at PENN HILLS MUNICIPAL, 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.

Q: Is there a first-time homebuyer program?

Currently, PENN HILLS MUNICIPAL 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, PENN HILLS MUNICIPAL provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: April 26, 2026

You can compare PENN HILLS MUNICIPAL rates to other rates in our database, including 12-month share certificate rates currently at 3.60%, 6-month share certificate rates at 0.25% and 3-month share certificate rates at 1.41%. Savings rates are at 0.25% and money market rates are at 1.20%. Mortgage rates on 30-year fixed loans are around 6.26%. All these rates can be compared to PENN HILLS MUNICIPAL rates. MonitorBankRates evaluates the financial stability of PENN HILLS MUNICIPAL with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.49%. Rates were last updated on 04/26/2026.

PENN HILLS MUNICIPAL 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 PENN HILLS MUNICIPAL? Share your experience about PENN HILLS MUNICIPAL by leaving a review below, or read customer reviews before you decide to use PENN HILLS MUNICIPAL.

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.49%

Excellent Lower than avg

Torrington Savings Bank
Penn Hills Municipal FCU

102 Duff Rd
Pittsburgh, PA 15235 3219

Current Rate Availability

We do not have PENN HILLS MUNICIPAL rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for PENN HILLS MUNICIPAL 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 PENN HILLS MUNICIPAL 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 PENN HILLS MUNICIPAL's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name PENN HILLS MUNICIPAL

Website

Address 102 Duff Rd, Pittsburgh, PA 15235 3219

Phone 412-342-0361

Fax 412-342-0026

President Robert Meyers

CEO SHEREE STRAYER

Full-Time Employees 0

Part-Time Employees 2

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+ (97/100)

Texas Ratio

5.49%

Return on Assets (ROA)

0.5585%

Return on Equity (ROE)

2.0384%

Non-Performing Loans Ratio (NPL)

3.52%

Total Assets

2,233,080

Total Amount of Shares and Deposits

1,620,416

Total Shares and Deposits < 1 Year

1,620,416

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

1,620,416

Total Interest Expense (Sum of items 6 8)

8,697

Number of Accounts for Regular Shares

204

Net Income (unless the amount is already included in Undivided Earnings)

12,471

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

883,465

Total Liabilities

1,621,273

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Frequently Asked Questions About PENN HILLS MUNICIPAL

Is PENN HILLS MUNICIPAL a safe place to deposit money?

Yes, PENN HILLS MUNICIPAL is considered a safe financial institution. With a Texas Ratio of 5.4879184516653%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does PENN HILLS MUNICIPAL operate?

PENN HILLS MUNICIPAL 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 PENN HILLS MUNICIPAL?

Yes, to access services at PENN HILLS MUNICIPAL, 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, PENN HILLS MUNICIPAL 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, PENN HILLS MUNICIPAL provides members with tools to manage their accounts and build a solid financial history.

Does PENN HILLS MUNICIPAL offer online and mobile banking?

Most modern institutions like PENN HILLS MUNICIPAL provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online.