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Penn State Federal Credit Union Rates & Review October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Rates Last Updated and Verified: October 9, 2026

Penn State Federal Credit Union's top rates as of October 9, 2026 are 3.75% APY on its 12 Month CD, 0.35% APY on savings, 1.25% APY on money market accounts, 0.11% APY on checking, auto loans from 4.50% APR, and credit cards from 8.90% APR, according to rates verified by MonitorBankRates. Other Penn State Federal Credit Union CD rates include Business 12 Month CD at 3.75%, 18 Month CD at 3.65%, and Business 18 Month CD at 3.65%. MonitorBankRates evaluates the financial stability of Penn State Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.13%. Rates last updated and verified on 10/09/2026.

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

MonitorBankRates Verified Healthy Badge Q2 2026 Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 99/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
1.13%
Excellent Lower than avg
Health Trend ?
Improving 12 quarters
Full history ›
Penn State Federal Credit Union
Penn State Federal Credit Union
123 Amberleigh Ln
Bellefonte, PA 16823
https://pennstatefederal.com
Member NCUA
Customer Reviews
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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.

Penn State Federal Credit Union CD Rates

Product Rate APY Term View More
12 Month Certificate - 3.75% 12 months
Min Deposit $500
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
18 Month Certificate - 3.65% 18 months
Min Deposit $500
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 6 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
24 Month Certificate - 3.60% 24 months
Min Deposit $500
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
9 Month Certificate - 3.60% 9 months
Min Deposit $500
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
6 Month Certificate - 3.55% 6 months
Min Deposit $500
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 6 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
36 Month Certificate - 3.00% 36 months
Min Deposit $500
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
48 Month Certificate - 3.00% 48 months
Min Deposit $500
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
60 Month Certificate - 3.00% 60 months
Min Deposit $500
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%

Penn State Federal Credit Union Business CD Rates

Product Rate APY Term View More
Business 12 Month Certificate - 3.75% 12 months
Min Deposit $500
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
Business 18 Month Certificate - 3.65% 18 months
Min Deposit $500
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 6 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
Business 24 Month Certificate - 3.60% 24 months
Min Deposit $500
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
Business 9 Month Certificate - 3.60% 9 months
Min Deposit $500
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
Business 6 Month Certificate - 3.55% 6 months
Min Deposit $500
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 6 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
Business 36 Month Certificate - 3.00% 36 months
Min Deposit $500
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
Business 48 Month Certificate - 3.00% 48 months
Min Deposit $500
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
Business 60 Month Certificate - 3.00% 60 months
Min Deposit $500
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%

Penn State Federal Credit Union Savings Rates

Product Rate APY View More
Basic Share Savings - 0.35%
Min Deposit $5
Min Balance $100
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.35% APY · checked 6 times
0.00%0.43%0.85%Sep 14, 2026: 0.35% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
Holiday Club - 0.35%
Min Deposit $0
Min Balance $100
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.35% APY · checked 6 times
0.00%0.43%0.85%Sep 14, 2026: 0.35% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
IRA Accumulative Savings - 0.35%
Min Deposit $25
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.35% APY · checked 6 times
0.00%0.43%0.85%Sep 14, 2026: 0.35% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
Kid and Teen Club Accounts - 0.35%
No additional details.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.35% APY · checked 6 times
0.00%0.43%0.85%Sep 14, 2026: 0.35% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
Kid's Club - 0.35%
Min Deposit $5
Min Balance $5
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.35% APY · checked 6 times
0.00%0.43%0.85%Sep 14, 2026: 0.35% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
Teen Club - 0.35%
Min Deposit $5
Min Balance $5
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.35% APY · checked 6 times
0.00%0.43%0.85%Sep 14, 2026: 0.35% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%

Penn State Federal Credit Union Business Savings Rates

Product Rate APY View More
Basic Business Share Savings - 0.35%
Min Deposit $5
Min Balance $100
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.35% APY · checked 6 times
0.00%0.43%0.85%Sep 14, 2026: 0.35% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%

Penn State Federal Credit Union Money Market Rates

Product Rate APY View More
Money Market - 1.25%
Min Deposit $1,500
Min Balance $100,000
Details Balance: $100,000 or greater
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 1.25% APY · checked 6 times
0.75%1.25%1.75%Sep 14, 2026: 1.25% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
Money Market - 0.95%
Min Deposit $1,500
Min Balance $50,000
Details Balance: $50,000 to $99,999.99
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.95% APY · checked 6 times
0.45%0.95%1.45%Sep 14, 2026: 0.95% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
Money Market - 0.70%
Min Deposit $1,500
Min Balance $25,000
Details Balance: $25,000 to $49,999.99
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.70% APY · checked 6 times
0.20%0.70%1.20%Sep 14, 2026: 0.70% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
Money Market - 0.60%
Min Deposit $1,500
Min Balance $10,000
Details Balance: $10,000 to $24,999.99
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.60% APY · checked 6 times
0.10%0.60%1.10%Sep 14, 2026: 0.60% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
Money Market - 0.50%
Min Deposit $1,500
Min Balance $2,500
Details Balance: $2,500 to $9,999.99
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 6 times
0.00%0.50%1.00%Sep 14, 2026: 0.50% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
Money Market - 0.35%
Min Deposit $1,500
Min Balance $0
Details Balance: $0.00 - $2,499.99
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.35% APY · checked 6 times
0.00%0.43%0.85%Sep 14, 2026: 0.35% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%

Penn State Federal Credit Union Checking Rates

Product Rate APY View More
Premier Checking - 0.11%
Min Deposit $2,000
Min Balance $2,000
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.11% APY · checked 6 times
0.00%0.31%0.61%Sep 14, 2026: 0.11% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%

Penn State Federal Credit Union Business Checking Rates

Product Rate APY View More
Business Non-Profit Organizational Checking - 0.11%
Min Deposit $2,000
Min Balance $2,000
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.11% APY · checked 6 times
0.00%0.31%0.61%Sep 14, 2026: 0.11% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
Deluxe Business Checking - 0.11%
Min Balance $25,000
Details Balance: 25,000 or greater
Last Updated 10/09/2026
Rate History
No change since Oct 5, 2026 · 0.11% APY · checked 2 times
0.00%0.31%0.61%Oct 5, 2026: 0.11% APYOct 5, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
Deluxe Business Checking - 0.10%
Min Balance $15,000
Details Balance: $15,000 to $24,999.99
Last Updated 10/09/2026
Rate History
No change since Oct 5, 2026 · 0.10% APY · checked 2 times
0.00%0.30%0.60%Oct 5, 2026: 0.10% APYOct 5, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
Deluxe Business Checking - 0.09%
Min Deposit $5,000
Min Balance $5,000
Details Balance: $5,000 to $14,999.99
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.09% APY · checked 6 times
0.00%0.30%0.59%Sep 14, 2026: 0.09% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%

Penn State Federal Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
1st Lien Home Equity Loans - - 5.625% 60 Months
Details Limited-Time Offer. Loan-to-value may not exceed 80%. Penn State Federal must be first lien holder on the property. Minimum loan amount of $10,000. Loan amount subject to credit approval. Rates subject to change at any time. No other discounts apply. Home Equity loans are available only on residences in Pennsylvania. The Credit Union may pay third party fees on your behalf. If we do, and you pay off and close your home equity loan within 36 months, you agree to reimburse us for the actual amount of bona fide third-party fees paid, as permitted by applicable law. A 60-month loan at 5.625% APR would have a monthly payment of $1,916.17 per $100,000 borrowed. An 84-month loan at 5.750% APR would have a monthly payment of $1,449.50 per $100,000 borrowed. A 120-month loan at 5.750% APR would have a monthly payment of $1,097.95 per $100,000 borrowed. A 180-month loan at 5.990% APR would have a monthly payment of $843.59 per $100,000 borrowed. Your payment may be different from the examples shown.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 5.63% APR · checked 9 times
5.13%5.63%6.13%Sep 14, 2026: 5.63% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
Home Equity Line of Credit - - 6.50%
Details No Origination Fee. Limited-Time Offer. APR based on an advance of $25,000.00 amortized over 180 months at 6.500%. Interest rate is adjustable based on the Wall Street Journal Prime Rate minus .50%. There is a minimum rate floor of 3.50% APR, and a maximum rate of 18.00% APR. Loan-to-value may not exceed 80%. Minimum loan amount of $5,000. Ten (10) year draw period with interest only monthly payments and five (5) year repayment period of monthly principal and interest payments. During the ten (10) year draw period your monthly payment and APR may vary. During the five (5) year repayment period the APR will be fixed and the payment will not change. A $25,000 loan at 6.500% APR for 30 days of interest would have an interest-only payment of $133.56. Limited-time no origination fee. No annual maintenance fee. No other discounts apply. Home Equity loans are available only on residences in Pennsylvania. Homeowners insurance is required on the property that secures the HELOC; flood insurance may also be required. The Credit Union may pay third-party fees on your behalf. If we do, and you pay off and close your home equity loan within 36 months, you agree to reimburse us for the actual amount of bona fide third-party fees paid, as permitted by applicable law. All loan products subject to credit approval. For a better understanding of Home Equity Lines of Credit, please read: What is a home equity line of credit (HELOC)? | Consumer Financial Protection Bureau.
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 6.50% APR
6.00%6.50%7.00%Oct 9, 2026: 6.50% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%

Penn State Federal Credit Union Auto Loan Rates

Product Rate Points APR Term View More
Auto Loans - - 4.50%
Details As Low As; See our Loan Rates page for details.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 4.50% APR · checked 8 times
4.00%4.50%5.00%Sep 14, 2026: 4.50% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
New Vehicles and Motorcycles (New 2025, 2026) <10,000 miles Loan - - 4.50% Up to 36 months
Details As Low As; * Rates are subject to change without notice.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 4.50% APR · checked 8 times
4.00%4.50%5.00%Sep 14, 2026: 4.50% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
New Vehicles and Motorcycles (New 2025, 2026) <10,000 miles Loan - - 4.75% 37-48 months
Details As Low As; * Rates are subject to change without notice.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 4.75% APR · checked 8 times
4.25%4.75%5.25%Sep 14, 2026: 4.75% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
New Vehicles and Motorcycles (New 2025, 2026) <10,000 miles Loan - - 4.99% 49-60 months
Details As Low As; * Rates are subject to change without notice.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 8 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
Used Vehicles and Motorcycles Loan - - 5.25% Up to 36 months
Details As Low As; *
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 5.25% APR · checked 3 times
4.75%5.25%5.75%Sep 18, 2026: 5.25% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
New Vehicles and Motorcycles (New 2025, 2026) <10,000 miles Loan - - 5.49% 61-72 months
Details As Low As; * Rates are subject to change without notice.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 8 times
4.99%5.49%5.99%Sep 14, 2026: 5.49% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
Used Vehicles and Motorcycles Loan - - 5.74% 37-48 months
Details As Low As; *
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 5.74% APR · checked 3 times
5.24%5.74%6.24%Sep 18, 2026: 5.74% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
New Vehicles and Motorcycles (New 2025, 2026) <10,000 miles Loan - - 5.99% 73-84 months
Details As Low As; * Rates are subject to change without notice.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 5.99% APR · checked 8 times
5.49%5.99%6.49%Sep 14, 2026: 5.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
Used Vehicles and Motorcycles Loan - - 5.99% 49-60 months
Details As Low As; *
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 5.99% APR · checked 3 times
5.49%5.99%6.49%Sep 18, 2026: 5.99% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
Used Vehicles and Motorcycles Loan - - 6.25% 61-72 months
Details As Low As; *
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 6.25% APR · checked 3 times
5.75%6.25%6.75%Sep 18, 2026: 6.25% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
Used Vehicles and Motorcycles (2018 and older) Loan - - 6.50% Up to 24 months
Details As Low As; *
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 6.50% APR · checked 8 times
6.00%6.50%7.00%Sep 14, 2026: 6.50% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
Used Vehicles and Motorcycles (2018 and older) Loan - - 7.00% 25-36 months
Details As Low As; *
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 7.00% APR · checked 8 times
6.50%7.00%7.50%Sep 14, 2026: 7.00% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
Used Vehicles and Motorcycles (2018 and older) Loan - - 7.50% 37-60 months
Details As Low As; *
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 7.50% APR · checked 8 times
7.00%7.50%8.00%Sep 14, 2026: 7.50% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%

Penn State Federal Credit Union RV, Boat and Powersport Loan Rates

Product Rate APR Term View More
New Pull-Along Campers and Motorhomes Loan - 5.50% Up to 60 months
Details As Low As; *
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 5.50% APR · checked 8 times
5.00%5.50%6.00%Sep 14, 2026: 5.50% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
Used Pull-Along Campers and Motorhomes Loan - 5.75% Up to 36 months
Details As Low As; *
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 5.75% APR · checked 8 times
5.25%5.75%6.25%Sep 14, 2026: 5.75% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
New Pull-Along Campers and Motorhomes Loan - 6.50% 61-72 months
Details As Low As; *
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 6.50% APR · checked 8 times
6.00%6.50%7.00%Sep 14, 2026: 6.50% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
Used Pull-Along Campers and Motorhomes Loan - 6.50% 37-48 months
Details As Low As; *
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 6.50% APR · checked 8 times
6.00%6.50%7.00%Sep 14, 2026: 6.50% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
Used Pull-Along Campers and Motorhomes Loan - 6.625% 49-60 months
Details As Low As; *
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 6.63% APR · checked 8 times
6.13%6.63%7.13%Sep 14, 2026: 6.63% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
New Pull-Along Campers and Motorhomes Loan - 6.75% 73-84 months
Details As Low As; *
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 6.75% APR · checked 8 times
6.25%6.75%7.25%Sep 14, 2026: 6.75% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
New Powersports -- ATVs/Boats/Side by Sides/Dirt Bikes/Jet Skis/Snowmobiles Loan - 6.99% Up to 60 months
Details As Low As; *Rates are subject to change without notice. Rates shown are the lowest available and may not be available to all borrowers. Your actual rate will be based on your creditworthiness and other factors.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 6.99% APR · checked 5 times
6.49%6.99%7.49%Sep 14, 2026: 6.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
New Pull-Along Campers and Motorhomes Loan - 6.99% 85-120 months
Details As Low As; *
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 6.99% APR · checked 8 times
6.49%6.99%7.49%Sep 14, 2026: 6.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
Used Pull-Along Campers and Motorhomes Loan - 7.125% 61-72 months
Details As Low As; to APR*
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 7.13% APR · checked 8 times
6.63%7.13%7.63%Sep 14, 2026: 7.13% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
Used Powersports -- ATVs/Boats/Side by Sides/Dirt Bikes/Jet Skis/Snowmobiles Loan - 8.99% Up to 60 months
Details As Low As; *Rates shown are for qualified borrowers.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 8.99% APR · checked 8 times
8.49%8.99%9.49%Sep 14, 2026: 8.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%

Penn State Federal Credit Union Credit Card Rates

Product Rate APR View More
Visa Platinum Rewards Credit Card - 8.90%
No additional details.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 8.90% APR · checked 6 times
8.40%8.90%9.40%Sep 14, 2026: 8.90% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%

Penn State Federal Credit Union Other Rates

Product Rate Points APY/APR Term View More
Access Line of Credit 9.50% - 9.50% 60 months
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 9.25% → 9.50% ▲ 0.25 pts · high 9.50% / low 9.25%
8.75%9.38%10.00%Sep 14, 2026: 9.25% APRSep 17, 2026: 9.50% APRSep 14, 2026Oct 13, 2026
  • Sep 17, 20269.50%▲ from 9.25%
  • Sep 14, 20269.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
Installment and Pull Along Utility Trailers Loan - - 8.99% Up to 36 months
Details As Low As; *Rates subject to change.
Last Updated 10/09/2026
Rate History
No change since Oct 5, 2026 · 8.99% APR · checked 2 times
8.49%8.99%9.49%Oct 5, 2026: 8.99% APROct 5, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
Installment and Pull Along Utility Trailers Loan - - 9.99% 37-60 Months
Details As Low As; *Rates subject to change.
Last Updated 10/09/2026
Rate History
No change since Oct 5, 2026 · 9.99% APR · checked 2 times
9.49%9.99%10.49%Oct 5, 2026: 9.99% APROct 5, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
Installment and Pull Along Utility Trailers Loan - - 9.99% Up to 60 months
Details As Low As; *Rates subject to change.
Last Updated 10/09/2026
Rate History
No change since Oct 5, 2026 · 9.99% APR · checked 2 times
9.49%9.99%10.49%Oct 5, 2026: 9.99% APROct 5, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
Installment Loans - - 8.99%
Details As Low As
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 8.99% APR · checked 3 times
8.49%8.99%9.49%Sep 18, 2026: 8.99% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
Special Accounts - - 0.35%
Min Deposit $0
Min Balance $100
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.35% APY · checked 6 times
0.00%0.43%0.85%Sep 14, 2026: 0.35% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.13%
Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.
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Financial Health History

Penn State Federal Credit Union’s Texas Ratio fell from 2.60% in Q3 2023 to 1.13% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

0% 1.0★ 0.9% 2.0★ 1.8% 3.0★ 2.6% 4.0★ 3.5% 5.0★ Healthy zone – entire history below the 15% limit 2.60% A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 A+ Q1 2026 1.13% A+ Q2 2026
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
Powered by MonitorBankRates

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$274M1.13%5.0A+
March 31, 2026$270M0.83%5.0A+
December 31, 2025$259M0.93%5.0A+
September 30, 2025$255M1.03%5.0A+
June 30, 2025$253M0.93%5.0A+
March 31, 2025$253M1.88%5.0A+
December 31, 2024$251M2.25%5.0A+
September 30, 2024$250M2.36%5.0A+
June 30, 2024$264M1.87%5.0A+
March 31, 2024$263M2.11%5.0A+
December 31, 2023$238M1.99%5.0A+
September 30, 2023$232M2.60%5.0A+
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating
Our rating for Penn State 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 Penn State 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 Penn State Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Penn State Federal Credit Union
Website https://pennstatefederal.com
Address 123 Amberleigh Ln, Bellefonte, PA 16823
Phone 814-355-2711
Fax 814-863-6183
President Bobby White
CEO Frederick Tabor
Full-Time Employees 42
Part-Time Employees 0
Branch Locations 2
ATM Locations 2
NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.13%
Return on Assets (ROA)
0.9279%
Return on Equity (ROE)
6.7983%
Non-Performing Loans Ratio (NPL)
0.33%
Total Assets
274,444,647
Total Amount of Shares and Deposits
238,384,168
Total Shares and Deposits < 1 Year
236,834,777
Total Shares and Deposits 1 3 Years
1,069,329
Total Shares and Deposits > 3 Years
480,062
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
11,608,775
Total Uninsured Shares and Deposits > $250K (F+J)
11,608,775
Total Insured Shares and Deposits > $250K (item 17 less item K)
226,775,393
Total Interest Expense (Sum of items 6 8)
932,721
Share Certificates
1,551
Number of Accounts for Share Drafts
10,037
IRA KEOGH Accounts
314
Number of Accounts for Regular Shares
18,163
Money Market Shares
419
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)
46,231,764
Total Liabilities
241,267,295
Source: NCUA — Last Updated 06/30/2026
MonitorBankRates Verified Healthy Badge Q2 2026
Q2 2026 MBR Health & Safety Badge

Penn State Federal Credit Union earned the Verified Healthy badge

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

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; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/credit-unions/penn-state-federal-credit-union-rates-review-12729">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About Penn State Federal Credit Union

How many branches does Penn State Federal Credit Union operate?

Penn State 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 Penn State Federal Credit Union?

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

Does Penn State Federal Credit Union offer online and mobile banking?

Most modern institutions like Penn State 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://pennstatefederal.com.

Current Penn State Federal Credit Union Rates

  • 12-Month CD3.75%
  • 18-Month CD3.65%
  • 24-Month CD3.60%
  • 60-Month CD3.00%
  • Savings0.35%
  • MMA1.25%
Retrieved from our database of financial products. Rates subject to change.

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