MonitorBankRates
☰
  1. Home›
  2. Banks›
  3. PennCrest Bank
iAdvertiser Disclosure
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.

PennCrest Bank Rates & Review November 2026

Content reviewed by
Brian McKay Brian McKay
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.
Read Full Bio →
| 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: November 6, 2026

PennCrest Bank's CD - 48-Month rates are at 1.25%, CD - 60-Month rates are at 1.25%, CD - 12-Month rates are at 1.00%, CD - 18-Month rates are at 1.00%, CD - 24-Month rates are at 1.00%. PennCrest Bank's savings rates are at 0.10%. PennCrest Bank's money market rates are at 2.00%. PennCrest Bank's checking rates are as high as 0.05%. PennCrest Bank's Biweekly Mortgage Loans - 15-Year Fixed Rate rates are at 6.375%, Biweekly Mortgage Loans - 10-Year Fixed Rate rates are at 6.375%, Mortgage Loan - 15-Year Fixed Rate rates are at 6.50%, Mortgage Loan - 10-Year Fixed Rate rates are at 6.50%, Biweekly Mortgage Loans - 20-Year Fixed Rate rates are at 6.625%. PennCrest Bank's Personal Loan Rates are as low as 2.00%. PennCrest Bank's top CD rate of 3.75% APY on a 37 month CD is 32% higher than the MonitorBankRates national average of 2.84% APY for that term, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of PennCrest Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.61%. Rates last updated and verified on 11/06/2026.

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

MonitorBankRates Verified Healthy Badge 2026 Verified Healthy 2026 Use This Badge on Your Bank Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 99/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
2.61%
Excellent Lower than avg
Health Trend ?
Improving 12 quarters
Full history ›
PennCrest Bank
1201 12th St
Altoona, PA 16601
https://www.PennCrest.BANK
MemberFDIC
Customer Reviews
Be the first to review
Write a Review
Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

PennCrest Bank CD Rates

Product Rate APY Term Min. Deposit View More
CD - 37-Month Special - 3.75% 37 Month $10
Min Deposit $10
Min Balance $100
Details Special rate
Last Updated 11/06/2026
Rate History
No change since Oct 14, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Oct 14, 2026: 3.75% APYOct 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
CD - 37-Month Special - 3.75% 37 Month $1,000
Min Deposit $1,000
Min Balance $1,000
Last Updated 11/06/2026
Rate History
No change since Oct 14, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Oct 14, 2026: 3.75% APYOct 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
IRA CD - 37-Month Special - 3.75% 37 Month $10
Min Deposit $10
Min Balance $100
Last Updated 11/06/2026
Rate History
No change since Nov 6, 2026 · 3.75% APY
3.25%3.75%4.25%Nov 6, 2026: 3.75% APYNov 6, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
CD - 17-Month Special - 3.50% 17 Month $10
Min Deposit $10
Min Balance $100
Details Special rate
Last Updated 11/06/2026
Rate History
No change since Oct 14, 2026 · 3.50% APY · checked 5 times
3.00%3.50%4.00%Oct 14, 2026: 3.50% APYOct 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
CD - 17-Month Special - 3.50% 17 Month $1,000
Min Deposit $1,000
Min Balance $1,000
Last Updated 11/06/2026
Rate History
No change since Oct 14, 2026 · 3.50% APY · checked 5 times
3.00%3.50%4.00%Oct 14, 2026: 3.50% APYOct 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
CD - 7-Month Special - 3.25% 7 Month $10
Min Deposit $10
Min Balance $100
Details Special rate
Last Updated 11/06/2026
Rate History
No change since Oct 14, 2026 · 3.25% APY · checked 5 times
2.75%3.25%3.75%Oct 14, 2026: 3.25% APYOct 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
CD - 7-Month Special - 3.25% 7 Month $1,000
Min Deposit $1,000
Min Balance $1,000
Last Updated 11/06/2026
Rate History
No change since Oct 14, 2026 · 3.25% APY · checked 5 times
2.75%3.25%3.75%Oct 14, 2026: 3.25% APYOct 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
CD - 24-Month No Penalty - 2.75% 24 Month $1,000
Min Deposit $1,000
Min Balance $1,000
Details No Penalty
Last Updated 11/06/2026
Rate History
No change since Oct 14, 2026 · 2.75% APY · checked 5 times
2.25%2.75%3.25%Oct 14, 2026: 2.75% APYOct 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
CD - 48-Month - 1.25% 48 Month $10
Min Deposit $10
Min Balance $100
Last Updated 11/06/2026
Rate History
No change since Oct 14, 2026 · 1.25% APY · checked 5 times
0.75%1.25%1.75%Oct 14, 2026: 1.25% APYOct 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
CD - 60-Month - 1.25% 60 Month $10
Min Deposit $10
Min Balance $100
Last Updated 11/06/2026
Rate History
No change since Oct 14, 2026 · 1.25% APY · checked 5 times
0.75%1.25%1.75%Oct 14, 2026: 1.25% APYOct 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
CD - 48-Month - 1.25% 48 Month $1,000
Min Deposit $1,000
Min Balance $1,000
Last Updated 11/06/2026
Rate History
No change since Oct 14, 2026 · 1.25% APY · checked 5 times
0.75%1.25%1.75%Oct 14, 2026: 1.25% APYOct 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
CD - 60-Month - 1.25% 60 Month $1,000
Min Deposit $1,000
Min Balance $1,000
Last Updated 11/06/2026
Rate History
No change since Oct 14, 2026 · 1.25% APY · checked 5 times
0.75%1.25%1.75%Oct 14, 2026: 1.25% APYOct 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
CD - 12-Month - 1.00% 12 Month $10
Min Deposit $10
Min Balance $100
Last Updated 11/06/2026
Rate History
No change since Oct 14, 2026 · 1.00% APY · checked 5 times
0.50%1.00%1.50%Oct 14, 2026: 1.00% APYOct 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
CD - 18-Month - 1.00% 18 Month $10
Min Deposit $10
Min Balance $100
Last Updated 11/06/2026
Rate History
No change since Oct 14, 2026 · 1.00% APY · checked 5 times
0.50%1.00%1.50%Oct 14, 2026: 1.00% APYOct 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
CD - 182 Day - 1.00% 182 Day $10
Min Deposit $10
Min Balance $100
Last Updated 11/06/2026
Rate History
No change since Oct 14, 2026 · 1.00% APY · checked 5 times
0.50%1.00%1.50%Oct 14, 2026: 1.00% APYOct 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
CD - 24-Month - 1.00% 24 Month $10
Min Deposit $10
Min Balance $100
Last Updated 11/06/2026
Rate History
No change since Oct 14, 2026 · 1.00% APY · checked 5 times
0.50%1.00%1.50%Oct 14, 2026: 1.00% APYOct 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
CD - 30-Month - 1.00% 30 Month $10
Min Deposit $10
Min Balance $100
Last Updated 11/06/2026
Rate History
No change since Oct 14, 2026 · 1.00% APY · checked 5 times
0.50%1.00%1.50%Oct 14, 2026: 1.00% APYOct 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
CD - 36-Month - 1.00% 36 Month $10
Min Deposit $10
Min Balance $100
Last Updated 11/06/2026
Rate History
No change since Oct 14, 2026 · 1.00% APY · checked 5 times
0.50%1.00%1.50%Oct 14, 2026: 1.00% APYOct 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
CD - 12-Month - 1.00% 12 Month $1,000
Min Deposit $1,000
Min Balance $1,000
Last Updated 11/06/2026
Rate History
No change since Oct 14, 2026 · 1.00% APY · checked 5 times
0.50%1.00%1.50%Oct 14, 2026: 1.00% APYOct 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
CD - 18-Month - 1.00% 18 Month $1,000
Min Deposit $1,000
Min Balance $1,000
Last Updated 11/06/2026
Rate History
No change since Oct 14, 2026 · 1.00% APY · checked 5 times
0.50%1.00%1.50%Oct 14, 2026: 1.00% APYOct 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
CD - 182 Day - 1.00% 182 Day $1,000
Min Deposit $1,000
Min Balance $1,000
Last Updated 11/06/2026
Rate History
No change since Oct 14, 2026 · 1.00% APY · checked 5 times
0.50%1.00%1.50%Oct 14, 2026: 1.00% APYOct 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
CD - 24-Month - 1.00% 24 Month $1,000
Min Deposit $1,000
Min Balance $1,000
Last Updated 11/06/2026
Rate History
No change since Oct 14, 2026 · 1.00% APY · checked 5 times
0.50%1.00%1.50%Oct 14, 2026: 1.00% APYOct 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
CD - 30-Month - 1.00% 30 Month $1,000
Min Deposit $1,000
Min Balance $1,000
Last Updated 11/06/2026
Rate History
No change since Oct 14, 2026 · 1.00% APY · checked 5 times
0.50%1.00%1.50%Oct 14, 2026: 1.00% APYOct 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
CD - 36-Month - 1.00% 36 Month $1,000
Min Deposit $1,000
Min Balance $1,000
Last Updated 11/06/2026
Rate History
No change since Oct 14, 2026 · 1.00% APY · checked 5 times
0.50%1.00%1.50%Oct 14, 2026: 1.00% APYOct 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Individual Retirement Account (Variable Rate) 18-Month - 0.75% 18 Month $10
Min Deposit $10
Min Balance $100
Details Variable rate; interest rate and APY may change; substantial penalty for early withdrawal may apply
Last Updated 11/06/2026
Rate History
No change since Oct 22, 2026 · 0.75% APY · checked 4 times
0.25%0.75%1.25%Oct 22, 2026: 0.75% APYOct 22, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Individual Retirement Accounts (Variable Rate) - 18-Month - 0.75% 18 Month $10
Min Deposit $10
Min Balance $100
Details Variable rate IRA; Penalty for early withdrawal may apply
Last Updated 11/06/2026
Rate History
No change since Oct 8, 2026 · 0.75% APY · checked 7 times
0.25%0.75%1.25%Oct 8, 2026: 0.75% APYOct 8, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
CD - 91 Day - 0.50% 91 Day $10
Min Deposit $10
Min Balance $100
Last Updated 11/06/2026
Rate History
No change since Oct 14, 2026 · 0.50% APY · checked 5 times
0.00%0.50%1.00%Oct 14, 2026: 0.50% APYOct 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
CD - 91 Day - 0.50% 91 Day $1,000
Min Deposit $1,000
Min Balance $1,000
Last Updated 11/06/2026
Rate History
No change since Oct 14, 2026 · 0.50% APY · checked 5 times
0.00%0.50%1.00%Oct 14, 2026: 0.50% APYOct 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%

PennCrest Bank Savings Rates

Product Rate APY View More
Christmas Club - 0.10%
Min Balance $10
Details Additional .25% interest rate when funds are transferred to a PennCrest BANK checking or saving account upon maturity; penalty for early withdrawals applies
Last Updated 11/06/2026
Rate History
No change since Sep 24, 2026 · 0.10% APY · checked 10 times
0.00%0.30%0.60%Sep 24, 2026: 0.10% APYSep 24, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Passbook Savings - 0.10%
Min Balance $100
Last Updated 11/06/2026
Rate History
No change since Sep 24, 2026 · 0.10% APY · checked 10 times
0.00%0.30%0.60%Sep 24, 2026: 0.10% APYSep 24, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Statement Savings - 0.10%
Min Balance $100
Last Updated 11/06/2026
Rate History
No change since Sep 24, 2026 · 0.10% APY · checked 10 times
0.00%0.30%0.60%Sep 24, 2026: 0.10% APYSep 24, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Vacation Club - 0.10%
Min Balance $10
Details Additional .25% interest rate when funds are transferred to a PennCrest BANK checking or saving account upon maturity; penalty for early withdrawals applies
Last Updated 11/06/2026
Rate History
No change since Sep 24, 2026 · 0.10% APY · checked 10 times
0.00%0.30%0.60%Sep 24, 2026: 0.10% APYSep 24, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%

PennCrest Bank Money Market Rates

Product Rate APY View More
Money Market - 2.00%
Min Balance $250,000
Details Balance: $250,000.00 and over
Last Updated 11/06/2026
Rate History
No change since Sep 24, 2026 · 2.00% APY · checked 10 times
1.50%2.00%2.50%Sep 24, 2026: 2.00% APYSep 24, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Money Market - 1.00%
Min Balance $100,000
Details Balance: $100,000 - $249,999.99
Last Updated 11/06/2026
Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 10 times
0.50%1.00%1.50%Sep 24, 2026: 1.00% APYSep 24, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Money Market - 0.75%
Min Balance $25,000
Details Balance: $25,000 - $99,999.99
Last Updated 11/06/2026
Rate History
No change since Sep 24, 2026 · 0.75% APY · checked 10 times
0.25%0.75%1.25%Sep 24, 2026: 0.75% APYSep 24, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Money Market - 0.50%
Min Balance $0
Details Balance: $0 - $24,999.99
Last Updated 11/06/2026
Rate History
No change since Sep 24, 2026 · 0.50% APY · checked 10 times
0.00%0.50%1.00%Sep 24, 2026: 0.50% APYSep 24, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%

PennCrest Bank Checking Rates

Product Rate APY View More
Bonus Checking - 0.05%
Min Balance $500
Last Updated 11/06/2026
Rate History
No change since Sep 24, 2026 · 0.05% APY · checked 10 times
0.00%0.28%0.55%Sep 24, 2026: 0.05% APYSep 24, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%

PennCrest Bank Mortgage Rates

Product Rate Points APR Term View More
Biweekly Mortgage Loans - 15-Year Fixed Rate 6.375% 0 6.388% 15-Year
Details Biweekly Payment per $1,000: $4.32; Rate requires biweekly payments automatically drafted every 14 days from a PennCrest BANK checking account; Loan amounts up to $832,750; 20% down payment or equity required
Last Updated 11/06/2026
Rate History
1 change since Oct 14, 2026 · 6.26% → 6.39% ▲ 0.13 pts · high 6.39% / low 6.26%
5.76%6.33%6.89%Oct 14, 2026: 6.26% APROct 22, 2026: 6.39% APROct 14, 2026Nov 9, 2026
  • Oct 22, 20266.39%▲ from 6.26%
  • Oct 14, 20266.26%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Biweekly Mortgage Loans - 10-Year Fixed Rate 6.375% 0 6.40% 10-Year
Details Biweekly Payment per $1,000: $5.65; Rate requires biweekly payments automatically drafted every 14 days from a PennCrest BANK checking account; Loan amounts up to $832,750; 20% down payment or equity required
Last Updated 11/06/2026
Rate History
1 change since Oct 14, 2026 · 6.28% → 6.40% ▲ 0.13 pts · high 6.40% / low 6.28%
5.78%6.34%6.90%Oct 14, 2026: 6.28% APROct 22, 2026: 6.40% APROct 14, 2026Nov 9, 2026
  • Oct 22, 20266.40%▲ from 6.28%
  • Oct 14, 20266.28%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Mortgage Loan - 15-Year Fixed Rate 6.50% 0 6.527% 15 Year
Details Loan amounts up to $832,750; 20% down payment or equity required; rate requires monthly payments drafted from PennCrest BANK checking account
Last Updated 11/06/2026
Rate History
No change since Oct 22, 2026 · 6.53% APR · checked 4 times
6.03%6.53%7.03%Oct 22, 2026: 6.53% APROct 22, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Mortgage Loan - 10-Year Fixed Rate 6.50% 0 6.538% 10 Year
Details Loan amounts up to $832,750; 20% down payment or equity required; rate requires monthly payments drafted from PennCrest BANK checking account
Last Updated 11/06/2026
Rate History
No change since Oct 22, 2026 · 6.54% APR · checked 4 times
6.04%6.54%7.04%Oct 22, 2026: 6.54% APROct 22, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Biweekly Mortgage Loans - 20-Year Fixed Rate 6.625% 0 6.631% 20-Year
Details Biweekly Payment per $1,000: $3.76; Rate requires biweekly payments automatically drafted every 14 days from a PennCrest BANK checking account; Loan amounts up to $832,750; 20% down payment or equity required
Last Updated 11/06/2026
Rate History
1 change since Oct 14, 2026 · 6.51% → 6.63% ▲ 0.12 pts · high 6.63% / low 6.51%
6.01%6.57%7.13%Oct 14, 2026: 6.51% APROct 22, 2026: 6.63% APROct 14, 2026Nov 9, 2026
  • Oct 22, 20266.63%▲ from 6.51%
  • Oct 14, 20266.51%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Mortgage Loan - 20-Year Fixed Rate 6.75% 0 6.772% 20 Year
Details Loan amounts up to $832,750; 20% down payment or equity required; rate requires monthly payments drafted from PennCrest BANK checking account
Last Updated 11/06/2026
Rate History
No change since Oct 22, 2026 · 6.77% APR · checked 4 times
6.27%6.77%7.27%Oct 22, 2026: 6.77% APROct 22, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Biweekly Mortgage Loans - 30-Year Fixed Rate 6.875% 0 6.892% 30-Year
Details Biweekly Payment per $1,000: $3.28; Rate requires biweekly payments automatically drafted every 14 days from a PennCrest BANK checking account; Loan amounts up to $832,750; 20% down payment or equity required
Last Updated 11/06/2026
Rate History
1 change since Oct 14, 2026 · 6.77% → 6.89% ▲ 0.13 pts · high 6.89% / low 6.77%
6.27%6.83%7.39%Oct 14, 2026: 6.77% APROct 22, 2026: 6.89% APROct 14, 2026Nov 9, 2026
  • Oct 22, 20266.89%▲ from 6.77%
  • Oct 14, 20266.77%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Mortgage Loan - 30-Year Fixed Rate 7.00% 0 7.017% 30 Year
Details Loan amounts up to $832,750; 20% down payment or equity required; rate requires monthly payments drafted from PennCrest BANK checking account
Last Updated 11/06/2026
Rate History
No change since Oct 22, 2026 · 7.02% APR · checked 4 times
6.52%7.02%7.52%Oct 22, 2026: 7.02% APROct 22, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Mortgage Loan - 1 Year Adjustable Rate 5.125% 0 7.046%
Details 1 Year Adjustable Rate with 0 points; APR is variable and may increase after closing; loan amounts up to $832,750; 20% down payment or equity required
Last Updated 11/06/2026
Rate History
No change since Oct 22, 2026 · 7.05% APR · checked 4 times
6.55%7.05%7.55%Oct 22, 2026: 7.05% APROct 22, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%

PennCrest Bank Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity Loan - 36 Month 5.49% - 5.49% 36 Month
Details Requires monthly payments auto-drafted from PennCrest BANK checking account
Last Updated 11/06/2026
Rate History
No change since Sep 16, 2026 · 5.49% APR · checked 6 times
4.99%5.49%5.99%Sep 16, 2026: 5.49% APRSep 16, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Home Equity Loan - 60 Month 5.49% - 5.49% 60 Month
Details Requires monthly payments auto-drafted from PennCrest BANK checking account
Last Updated 11/06/2026
Rate History
No change since Sep 16, 2026 · 5.49% APR · checked 6 times
4.99%5.49%5.99%Sep 16, 2026: 5.49% APRSep 16, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Home Equity Loan - 120 Month Special 5.64% - 5.64% 120 Month
Details Special offer; requires direct debit of monthly payment from PennCrest BANK checking account; single family owner-occupied homes, maximum loan-to-value 85%; refinance of existing PennCrest credit requires new borrowings of $15,000 or more; home must be primary residence
Last Updated 11/06/2026
Rate History
No change since Sep 16, 2026 · 5.64% APR · checked 6 times
5.14%5.64%6.14%Sep 16, 2026: 5.64% APRSep 16, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Home Equity Loan - 120 Month 6.64% - 6.64% 120 Month
Details Requires monthly payments auto-drafted from PennCrest BANK checking account
Last Updated 11/06/2026
Rate History
No change since Sep 16, 2026 · 6.64% APR · checked 6 times
6.14%6.64%7.14%Sep 16, 2026: 6.64% APRSep 16, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Home Equity Loan - 180 Month 6.74% - 6.74% 180 Month
Details Requires monthly payments auto-drafted from PennCrest BANK checking account
Last Updated 11/06/2026
Rate History
No change since Sep 16, 2026 · 6.74% APR · checked 6 times
6.24%6.74%7.24%Sep 16, 2026: 6.74% APRSep 16, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Home Equity Loan - 240 Month 6.99% - 6.99% 240 Month
Details Subordinate lien position only for 181-240 month terms; requires monthly payments auto-drafted from PennCrest BANK checking account
Last Updated 11/06/2026
Rate History
No change since Sep 16, 2026 · 6.99% APR · checked 6 times
6.49%6.99%7.49%Sep 16, 2026: 6.99% APRSep 16, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%

PennCrest Bank Auto Loan Rates

Product Rate Points APR Term View More
New Automobile - - 6.49% 60 months
Details Rates require monthly payments to be automatically drafted from PennCrest BANK checking account; APR, terms and conditions may vary based on qualifications
Last Updated 11/06/2026
Rate History
No change since Sep 16, 2026 · 6.49% APR · checked 11 times
5.99%6.49%6.99%Sep 16, 2026: 6.49% APRSep 16, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
New Automobile - - 6.49% 66 months
Details Rates require monthly payments to be automatically drafted from PennCrest BANK checking account; APR, terms and conditions may vary based on qualifications
Last Updated 11/06/2026
Rate History
No change since Sep 16, 2026 · 6.49% APR · checked 11 times
5.99%6.49%6.99%Sep 16, 2026: 6.49% APRSep 16, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
New Automobile - - 6.49% 72 months
Details Rates require monthly payments to be automatically drafted from PennCrest BANK checking account; APR, terms and conditions may vary based on qualifications
Last Updated 11/06/2026
Rate History
No change since Sep 16, 2026 · 6.49% APR · checked 11 times
5.99%6.49%6.99%Sep 16, 2026: 6.49% APRSep 16, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Used Automobile (2026 - 2021) - - 6.99% 72 months
Details Rates require monthly payments to be automatically drafted from PennCrest BANK checking account; APR, terms and conditions may vary based on qualifications
Last Updated 11/06/2026
Rate History
No change since Sep 16, 2026 · 6.99% APR · checked 11 times
6.49%6.99%7.49%Sep 16, 2026: 6.99% APRSep 16, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Used Automobile (2020 and older) - - 7.49% 72 months
Details Rates require monthly payments to be automatically drafted from PennCrest BANK checking account; APR, terms and conditions may vary based on qualifications
Last Updated 11/06/2026
Rate History
No change since Sep 16, 2026 · 7.49% APR · checked 11 times
6.99%7.49%7.99%Sep 16, 2026: 7.49% APRSep 16, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%

PennCrest Bank Personal Loan Rates

Product APR Term View More
Share Loan 2.00% Interest Only
Details APR is variable and may increase after consummation; APR is above the collateral rate
Last Updated 11/06/2026
Rate History
No change since Sep 16, 2026 · 2.00% APR · checked 11 times
1.50%2.00%2.50%Sep 16, 2026: 2.00% APRSep 16, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Unsecured Installment Loan 9.99% 60 months
Details Rate requires monthly payments to be automatically drafted from PennCrest BANK checking account
Last Updated 11/06/2026
Rate History
No change since Sep 16, 2026 · 9.99% APR · checked 11 times
9.49%9.99%10.49%Sep 16, 2026: 9.99% APRSep 16, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Personal Line of Credit 10.00% Revolving
Details Introductory APR: 8.990%; Fully Indexed APR: 10.000%; Introductory rate applies for the first six billing cycles; APR is variable and may increase after consummation, up to a maximum of 18%
Last Updated 11/06/2026
Rate History
No change since Oct 12, 2026 · 10.00% APR · checked 6 times
9.50%10.00%10.50%Oct 12, 2026: 10.00% APROct 12, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%

PennCrest Bank Other Rates

Product Rate Points APY/APR Term View More
1 Year Adjustable Rate Loan 5.00% 1 7.121% 1 Year
Details APR is variable and may increase after closing; Loan amounts up to $832,750; 20% down payment or equity required
Last Updated 11/06/2026
Rate History
2 changes since Oct 8, 2026 · 7.05% → 7.12% ▲ 0.07 pts · high 7.12% / low 7.05%
6.55%7.09%7.62%Oct 8, 2026: 7.05% APROct 14, 2026: 7.10% APROct 22, 2026: 7.12% APROct 8, 2026Nov 9, 2026
  • Oct 22, 20267.12%▲ from 7.10%
  • Oct 14, 20267.10%▲ from 7.05%
  • Oct 8, 20267.05%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
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.
Powered by MonitorBankRates

Financial Health History

PennCrest Bank’s Texas Ratio fell from 4.20% in Q3 2023 to 2.61% 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 bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

0% 1.0★ 1.7% 2.0★ 3.3% 3.0★ 5% 4.0★ 6.6% 5.0★ Healthy zone – entire history below the 15% limit 4.20% 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 2.61% 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$247M2.61%5.0A+
March 31, 2026$243M2.50%5.0A+
December 31, 2025$239M2.41%5.0A+
September 30, 2025$236M2.25%5.0A+
June 30, 2025$234M2.43%5.0A+
March 31, 2025$232M2.57%5.0A+
December 31, 2024$226M2.85%5.0A+
September 30, 2024$222M3.25%5.0A+
June 30, 2024$224M4.89%5.0A+
March 31, 2024$224M4.50%5.0A+
December 31, 2023$220M3.86%5.0A+
September 30, 2023$217M4.20%5.0A+
Source: FDIC 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 PennCrest Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer 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 bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather PennCrest Bank 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 PennCrest Bank's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name PennCrest Bank
Website https://www.PennCrest.BANK
Address 1201 12th St, Altoona, PA 16601  ·  Blair
FDIC Certificate # 30119
Regulator FDIC
Established January 1, 1939
FDIC Insurance Date August 9, 1989
Domestic Offices 8
Total Branches 8
FDIC 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
2.61%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
0.4702%
Return on Equity (ROE)
3.8100%
Non-Performing Loans Ratio (NPL)
0.32%
Total Assets
$247,143,000
Total Deposits
$210,034,000
Equity Capital
$30,154,000
Net Income
$571,000
Headquarters
Altoona
Total Branches and Offices
8
Source: FDIC — Last Updated June 30, 2026
MonitorBankRates Verified Healthy Badge 2026
2026 MBR Health & Safety Badge

PennCrest Bank 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.

<a href="https://www.monitorbankrates.com/banks/penncrest-bank-rates-review-30119">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for PennCrest Bank 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 PennCrest Bank
Your Name:
Your Rating:

Frequently Asked Questions About PennCrest Bank

Does PennCrest Bank offer CDs?

Yes. PennCrest Bank current CD rates include its CD - 48-Month at 1.25% APY, its CD - 60-Month at 1.25% APY and its CD - 12-Month at 1.00% APY, verified by MonitorBankRates as of November 6, 2026.

Are CDs from PennCrest Bank FDIC insured?

Yes. PennCrest Bank is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at PennCrest Bank?

The highest PennCrest Bank CD rate is its Certificate of Deposit - 37-Month Special at 3.75% APY, verified by MonitorBankRates as of November 6, 2026.

What CD terms does PennCrest Bank offer?

PennCrest Bank CD rates are 1.00% APY for a 12 month CD, 1.00% APY for an 18 month CD, 1.00% APY for a 2 year CD, 1.00% APY for a 3 year CD, 1.25% APY for a 4 year CD and 1.25% APY for a 5 year CD, verified by MonitorBankRates as of November 6, 2026. The institution may offer other terms or specials that are not listed here, so check with PennCrest Bank for its full lineup.

What is the highest savings rate at PennCrest Bank?

The highest PennCrest Bank savings rate is its Passbook Savings at 0.10% APY, verified by MonitorBankRates as of November 6, 2026.

What is the highest money market rate at PennCrest Bank?

The highest PennCrest Bank money market rate is its Money Market at 2.00% APY, verified by MonitorBankRates as of November 6, 2026.

What is the highest checking rate at PennCrest Bank?

The highest PennCrest Bank checking rate is its Bonus Checking at 0.05% APY, verified by MonitorBankRates as of November 6, 2026.

What is the lowest 30 year fixed mortgage rate at PennCrest Bank?

The lowest PennCrest Bank 30 year fixed mortgage rate is its Biweekly Mortgage Loans - 30-Year Fixed Rate at 6.875%, verified by MonitorBankRates as of November 6, 2026. PennCrest Bank mortgage rates are 6.875% for a 30 year mortgage, 6.625% for a 20 year mortgage, 6.375% for a 15 year mortgage, 6.375% for a 10 year mortgage and 5.125% for a 1 year mortgage.

What is the lowest personal loan rate at PennCrest Bank?

The lowest PennCrest Bank personal loan rate is its Unsecured Installment Loan at 9.99%, verified by MonitorBankRates as of November 6, 2026.

How many branches does PennCrest Bank operate?

PennCrest Bank currently maintains approximately 8 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, PennCrest Bank 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, PennCrest Bank provides members with tools to manage their accounts and build a solid financial history.

Does PennCrest Bank offer online and mobile banking?

Most modern institutions like PennCrest Bank 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.PennCrest.BANK.

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. 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 or an existing account, 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 PennCrest Bank rates compare?

PennCrest Bank's top CD rate of 3.75% APY on a 37 month CD is 32% higher than the MonitorBankRates national average of 2.84% APY for that term, and it has an A+ health rating. PennCrest Bank's top rates are its Certificate of Deposit - 37-Month Special at 3.75% APY, its Passbook Savings at 0.10% APY, its Money Market at 2.00% APY, its Bonus Checking at 0.05% APY, its Mortgage Loan - 1 Year Adjustable Rate at 5.125% and its Share Loan at 2.00% APR, verified by MonitorBankRates on November 6, 2026.

Current PennCrest Bank Rates

  • 12-Month CD1.00%
  • 18-Month CD0.75%
  • 24-Month CD1.00%
  • 36-Month CD1.00%
  • 48-Month CD1.25%
  • 60-Month CD1.25%
  • Savings0.10%
  • MMA2.00%
Retrieved from our database of financial products. Rates subject to change.

Compare to Other Banks

Everett Co-operative Bank Salem Five Cents Savings Bank Cowboy State Bank Haskell National Bank F&M State Bank Winterset, IA Luana Savings Bank First State Bank Clute, TX TriStar Bank First US Bank (AL) Intracoastal Bank Bank of Herrin United Trust Bank Blue Sky Bank First Federal Bank Dunn, NC Castroville State Bank First Trust Bank of Illinois Davidson Trust Co. Kcsb Citizens Community Bank Pilot Grove, MO Wisdom Heritage Bank Farmers B&T Co. Marion, KY