What are the current interest rates at People First Federal Credit Union?

Current rates for People First Federal Credit Union include: 12-Month CD: 4.15%, 18-Month CD: 3.50%, 24-Month CD: 3.50%, 60-Month CD: 3.35%, Savings: 0.05%, MMA: 2.30%

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People First Federal Credit Union

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People First Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, People First Federal Credit Union 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 and Verified: October 12, 2026

People First Federal Credit Union's top rates as of October 12, 2026 are 4.15% APY on its 12 Month Business CDs CD, 0.05% APY on savings, 2.30% APY on money market accounts, 4.00% APY on checking, 6.00% on its 5/1 Conforming ARM mortgage, personal loans from 10.49% APR, and credit cards from 12.40% APR, according to rates verified by MonitorBankRates. Other People First Federal Credit Union CD rates include 12 Month Share & IRA CD at 4.15%, 3 Month Business CDs at 4.00%, and 3 Month Share & IRA CD at 4.00%. Other People First Federal Credit Union mortgage rates include Fixed-Rate Mortgages at 6.38%, Fixed-Rate Mortgages at 6.38%, and Fixed-Rate Mortgages at 6.75%. MonitorBankRates evaluates the financial stability of People First Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 9.56%. Rates last updated and verified on 10/12/2026.

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

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 95/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

9.56%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

People First Federal Credit Union
Headquarters

740 W Hamilton St Ste 300
Allentown, PA 18101-2474

https://www.peoplefirst.com

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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.

People First Federal Credit Union CD Rates

Product	Rate	APY	Term
12 Month Share & IRA Share Certificate	4.07%	4.15%	12 months
Min Deposit $500 Details Dividend rates and APYs effective August 5, 2026; Penalty for early withdrawal; IRA rates include Traditional, Roth, and Education IRAs Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 4.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
3 Month Share & IRA Share Certificate	3.93%	4.00%	3 months
Min Deposit $500 Details Dividend rates and APYs effective August 5, 2026; Penalty for early withdrawal; IRA rates include Traditional, Roth, and Education IRAs Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
6 Month Share & IRA Share Certificate	3.93%	4.00%	6 months
Min Deposit $500 Details Dividend rates and APYs effective August 5, 2026; Penalty for early withdrawal; IRA rates include Traditional, Roth, and Education IRAs Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
8 Month Share & IRA Share Certificate	3.93%	4.00%	8 months
Min Deposit $500 Details Dividend rates and APYs effective August 5, 2026; Penalty for early withdrawal; IRA rates include Traditional, Roth, and Education IRAs Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
15 Month Share & IRA Share Certificate	3.64%	3.70%	15 months
Min Deposit $500 Details Dividend rates and APYs effective August 5, 2026; Penalty for early withdrawal; IRA rates include Traditional, Roth, and Education IRAs Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.70% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
18 Month Share & IRA Share Certificate	3.45%	3.50%	18 months
Min Deposit $500 Details Dividend rates and APYs effective August 5, 2026; Penalty for early withdrawal; IRA rates include Traditional, Roth, and Education IRAs Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
24 Month Share & IRA Share Certificate	3.45%	3.50%	24 months
Min Deposit $500 Details Dividend rates and APYs effective August 5, 2026; Penalty for early withdrawal; IRA rates include Traditional, Roth, and Education IRAs Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
60 Month Share & IRA Share Certificate	3.30%	3.35%	60 months
Min Deposit $500 Details Dividend rates and APYs effective August 5, 2026; Penalty for early withdrawal; IRA rates include Traditional, Roth, and Education IRAs Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
30 Month Share & IRA Share Certificate	3.20%	3.25%	30 months
Min Deposit $500 Details Dividend rates and APYs effective August 5, 2026; Penalty for early withdrawal; IRA rates include Traditional, Roth, and Education IRAs Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
36 Month Share & IRA Share Certificate	3.20%	3.25%	36 months
Min Deposit $500 Details Dividend rates and APYs effective August 5, 2026; Penalty for early withdrawal; IRA rates include Traditional, Roth, and Education IRAs Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
48 Month Share & IRA Share Certificate	3.20%	3.25%	48 months
Min Deposit $500 Details Dividend rates and APYs effective August 5, 2026; Penalty for early withdrawal; IRA rates include Traditional, Roth, and Education IRAs Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%

People First Federal Credit Union Business CD Rates

Product	Rate	APY	Term
12 Month Business Certificates	4.07%	4.15%	12 months
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 4.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
3 Month Business Certificates	3.93%	4.00%	3 months
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 4.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
6 Month Business Certificates	3.93%	4.00%	6 months
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 4.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
8 Month Business Certificates	3.93%	4.00%	8 months
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 4.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
15 Month Business Certificates	3.64%	3.70%	15 months
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 3.70% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
18 Month Business Certificates	3.45%	3.50%	18 months
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 3.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
24 Month Business Certificates	3.45%	3.50%	24 months
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 3.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
60 Month Business Certificates	3.30%	3.35%	60 months
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 3.35% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
30 Month Business Certificates	3.20%	3.25%	30 months
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 3.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
36 Month Business Certificates	3.20%	3.25%	36 months
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 3.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
48 Month Business Certificates	3.20%	3.25%	48 months
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 3.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%

People First Federal Credit Union Savings Rates

Product	Rate	APY
Smart Saver Account	3.45%	3.50%
Min Balance $0 Details Balance: $0.00 - 2,499.99; Limit of one Smart Saver Account per member Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 0.25% → 3.50% ▲ 3.25 pts · high 3.50% / low 0.25% Oct 12, 20263.50%▲ from 0.25% Sep 25, 20260.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
Smart Saver Account	1.24%	1.25%
Min Balance $2,500 Details Balance: $2,500 - $4,999.99; Limit of one Smart Saver Account per member Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 0.25% → 1.25% ▲ 1.00 pts · high 1.25% / low 0.25% Oct 12, 20261.25%▲ from 0.25% Sep 25, 20260.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
Smart Saver Account	0.50%	0.50%
Min Balance $5,000 Details Balance: $5,000 - $9,999.99; Limit of one Smart Saver Account per member Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 0.25% → 0.50% ▲ 0.25 pts · high 0.50% / low 0.25% Oct 12, 20260.50%▲ from 0.25% Sep 25, 20260.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
Smart Saver Account	0.25%	0.25%
Min Balance $10,000 Details Published rate range: 0.25% - 0.30%. Balance: $10,000+ or greater; Limit of one Smart Saver Account per member Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
Savings Account (S1)	0.05%	0.05%
Min Balance $5 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%

People First Federal Credit Union Business Savings Rates

Product	Rate	APY	View More
Business Savings Account (S1)	0.05%	0.05%
Min Balance $5 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%

People First Federal Credit Union Business Money Market Rates

Product	Rate	APY
Business Money Market	2.28%	2.30%
Min Balance $1,000,000 Details Balance: $1,000,000+ Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 2.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
Business Money Market	1.79%	1.80%
Min Balance $250,000 Details Balance: $250,000 - $999,999.99 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 1.80% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
Business Money Market	1.54%	1.55%
Min Balance $75,000 Details Balance: $75,000 - $249,999.99 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 1.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
Business Money Market	1.29%	1.30%
Min Balance $25,000 Details Balance: $25,000 - $74,999.99 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 1.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
Business Money Market	1.04%	1.05%
Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 1.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
Business Money Market	0.75%	0.75%
Min Balance $2,500 Details Balance: $2,500 - $9,999.99 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%

People First Federal Credit Union Checking Rates

Product	Rate	APY	View More
Hometown Hero Checking	3.93%	4.00%
Min Balance $0 Details Balance: $0.00 - $25,000.00; Qualifying balance up to $25,000.00 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 4.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%

People First Federal Credit Union Business Checking Rates

Product	Rate	APY
Business Checking Account 150, 300, & 450	0.15%	0.15%
Min Balance $25,000 Details Balance: $25,000.00+; Dividend Rates and APYs effective September 1, 2021 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
Business Checking Account 150, 300, & 450	0.10%	0.10%
Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99; Dividend Rates and APYs effective September 1, 2021 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
Business Checking Account 150, 300, & 450	0.05%	0.05%
Min Balance $2,500 Details Balance: $2,500.00 - $9,999.99; Dividend Rates and APYs effective September 1, 2021 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%

People First Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Fixed-Rate Mortgages	6.375%	0	6.658%	15 Year
Details As Low As; Interest Rates and APRs effective October 2, 2026; Conforming loan amounts from $50,000 to $832,750 Last Updated 10/12/2026 Rate History No change since Oct 2, 2026 · 6.66% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
Fixed-Rate Mortgages	6.375%	0	6.773%	10 Year
Details As Low As; Interest Rates and APRs effective October 2, 2026; Conforming loan amounts from $50,000 to $832,750 Last Updated 10/12/2026 Rate History No change since Oct 2, 2026 · 6.77% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
Fixed-Rate Mortgages	6.75%	0	6.98%	20 Year
Details As Low As; Interest Rates and APRs effective October 2, 2026; Conforming loan amounts from $50,000 to $832,750 Last Updated 10/12/2026 Rate History No change since Oct 2, 2026 · 6.98% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
10/1 Conforming ARM	6.49%	0	6.996%
Details As Low As; Rates and APRs effective October 2, 2026; Adjustable-rate mortgage; Conforming loan amounts from $50,000 to $832,750 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.00% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
5/1 Conforming ARM	6.00%	0	7.063%
Details As Low As; Rates and APRs effective October 2, 2026; Adjustable-rate mortgage; Conforming loan amounts from $50,000 to $832,750 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.06% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
Fixed-Rate Mortgages	7.00%	0	7.178%	30 Year
Details As Low As; Interest Rates and APRs effective October 2, 2026; Conforming loan amounts from $50,000 to $832,750 Last Updated 10/12/2026 Rate History 1 change since Oct 2, 2026 · 7.00% → 7.18% ▲ 0.18 pts · high 7.18% / low 7.00% Oct 12, 20267.18%▲ from 7.00% Oct 2, 20267.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
5/1 Jumbo ARM	6.99%	0	7.309%
Details As Low As; Rates and APRs effective October 2, 2026; Adjustable-rate mortgage; Jumbo loan amounts greater than $832,750 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.31% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
FHA Rate Mortgage - 15 Year	6.50%	1.834	7.499%	15 Year
Details As Low As; Rates and APRs effective October 2, 2026; FHA/VA loan Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.50% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
10/1 Jumbo ARM	7.50%	0	7.519%
Details As Low As; Rates and APRs effective October 2, 2026; Adjustable-rate mortgage; Jumbo loan amounts greater than $832,750 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.52% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
FHA Rate Mortgage - 30 Year	7.00%	0.000	7.755%	30 Year
Details As Low As; Rates and APRs effective October 2, 2026; FHA/VA loan Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 7.63% → 7.76% ▲ 0.13 pts · high 7.76% / low 7.63% Oct 12, 20267.76%▲ from 7.63% Sep 25, 20267.63%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
FHA Rate Mortgage - 203k 30 Year	7.00%	0.000	7.859%	30 Year
Details As Low As; Rates and APRs effective October 2, 2026; FHA/VA loan Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.86% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%

People First Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Fixed-Rate Loan	-	-	6.00%	36 months
Details Loan rates effective: August 10, 2026 Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 6.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
Home Equity Fixed-Rate Loan	-	-	6.00%	60 months
Details Loan rates effective: August 10, 2026 Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 6.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
Home Equity Fixed-Rate Loan	-	-	6.50%	120 months
Details Loan rates effective: August 10, 2026 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 6.50% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
Home Equity Fixed-Rate Loan	-	-	6.65%	180 months
Details Loan rates effective: August 10, 2026 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 6.65% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
Home Equity Fixed-Rate Loan	-	-	6.75%	240 months
Details Loan rates effective: August 10, 2026 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 6.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
Home Equity Line of Credit	-	-	7.00%
Details Approx. Loan Payment: Minimum monthly payment of $100; Rate is prime-based, subject to change monthly, with a 0.0% margin; minimum APR 3.99%, maximum APR 18%; Loan rates effective October 1, 2026 Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75% Oct 2, 20267.00%▲ from 6.75% Sep 12, 20266.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%

People First Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New & Used Auto Loan	-	-	5.74%	Up to 66 months
Details As Low As; Model Year: 2026 - 2023 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.74% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
New & Used Auto Loan	-	-	6.00%	Up to 66 months
Details As Low As; Model Year: 2022 - 2020 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.00% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
New & Used Auto Loan	-	-	6.14%	67-75 months
Details As Low As; Model Year: 2026 - 2023 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.14% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
New & Used Auto Loan	-	-	6.24%	67-75 months
Details As Low As; Model Year: 2022 - 2020 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.24% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
New & Used Auto Loan	-	-	6.44%	Up to 66 months
Details As Low As; Model Year: 2019 - 2017 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.44% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
New & Used Auto Loan	-	-	6.64%	76-84 months
Details As Low As; Model Year: 2026 - 2023 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.64% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
New & Used Auto Loan	-	-	6.74%	76-84 months
Details As Low As; Model Year: 2022 - 2020 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.74% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
New & Used Auto Loan	-	-	6.84%	67-75 months
Details As Low As; Model Year: 2019 - 2017 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.84% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
New & Used Auto Loan	-	-	7.24%	76-84 months
Details As Low As; Model Year: 2019 - 2017 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.24% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
New & Used Auto Loan	-	-	8.00%	Up to 66 months
Details As Low As; Model Year: 2016 & Older Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 8.00% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
New & Used Auto Loan	-	-	10.74%	67-75 months
Details As Low As; Model Year: 2016 & Older Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 10.74% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%

People First Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New Motorcycles Loan	-	6.74%	Up to 36 months
Details As Low As; Loan rates are effective: July 20, 2026 Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 6.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
New Motorcycles Loan	-	6.99%	37-48 months
Details As Low As; Loan rates are effective: July 20, 2026 Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 6.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
New Motorcycles Loan	-	7.24%	49-60 months
Details As Low As; Loan rates are effective: July 20, 2026 Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 7.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
Used Motorcycles Loan	-	7.74%	Up to 36 months
Details As Low As; Loan rates are effective: July 20, 2026 Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 7.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
Used Motorcycles Loan	-	7.99%	37-48 months
Details As Low As; Loan rates are effective: July 20, 2026 Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 7.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
Used Motorcycles Loan	-	8.24%	49-60 months
Details As Low As; Loan rates are effective: July 20, 2026 Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 8.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
New & Used Recreational Vehicles Loan	-	8.49%	Up to 60 months
Details As Low As; Loan Type: New, Used, & Older Recreational Vehicles Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 8.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
New Motorcycles Loan	-	8.49%	61-72 months
Details As Low As; Loan rates are effective: July 20, 2026 Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 8.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
New & Used Recreational Vehicles Loan	-	8.99%	61-84 months
Details As Low As; Loan Type: New, Used, & Older Recreational Vehicles Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 8.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
New & Used Recreational Vehicles Loan	-	9.49%	85-144 months
Details As Low As; Loan Type: New, Used, & Older Recreational Vehicles; 144-month term available for loans greater than $25,000 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 9.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
New & Used Recreational Vehicles Loan	-	9.99%	145-180 months
Details As Low As; Loan Type: New, Used, & Older Recreational Vehicles; 180-month term available for loans greater than $50,000 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 9.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
Older Used Recreational Vehicles Loan	-	10.49%	Up to 60 months
Details As Low As; Loan Type: New, Used, & Older Recreational Vehicles; 2017 through 2023 model years; $5,000 minimum loan amount; Maximum RV age equals 10 years Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 10.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
Older Used Recreational Vehicles Loan	-	10.99%	61-84 months
Details As Low As; Loan Type: New, Used, & Older Recreational Vehicles; 2017 through 2023 model years; $5,000 minimum loan amount; Maximum RV age equals 10 years Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 10.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%

People First Federal Credit Union Credit Card Rates

Product	Rate	APR
Visa Platinum	-	12.40%
Details Published APR range: 12.40% - 18.00%. Variable Rate; Monthly Payment: the greater of 2% of the outstanding balance or $10 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 12.40% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
Visa Platinum Rewards	-	13.40%
Details Published APR range: 13.40% - 16.40%. Variable Rate; Monthly Payment: the greater of 2% of the outstanding balance or $10 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 13.40% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
Business Credit Card - Visa Platinum	-	14.40%
Details Published APR range: 14.40% - 18.00%. Business Credit Card; Rates effective March 2, 2026; Variable Rate; Interest rate is Prime plus margin, never greater than 18.00% Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 14.40% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
Visa Signature Cashback Card	-	14.40%
Details Published APR range: 14.40% - 17.40%. Variable Rate; Monthly Payment: the greater of 2% of the outstanding balance or $10 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 14.40% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%

People First Federal Credit Union Personal Loan Rates

Product	APR	Term
Unsecured Fixed-Rate Loan	10.49%	up to 12 months
Details As Low As; Rates effective: July 20, 2026 Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 10.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
Unsecured Fixed-Rate Loan	10.49%	up to 36 months
Details As Low As; Rates effective: July 20, 2026 Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 10.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
Unsecured Fixed-Rate Loan	10.49%	up to 60 months
Details As Low As; Rates effective: July 20, 2026 Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 10.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
Personal Line of Credit	13.75%
Details Rate Type: Variable; Minimum; Variable rate based on prime plus 6.75% margin; Maximum APR 18%; Rates effective October 1, 2026 Last Updated 10/12/2026 Rate History 1 change since Oct 4, 2026 · 7.00% → 13.75% ▲ 6.75 pts · high 13.75% / low 7.00% Oct 12, 202613.75%▲ from 7.00% Oct 4, 20267.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
Visa Signature Cashback Card	14.40%
Details Published APR range: 14.40% - 17.40%. Variable Rate; Monthly Payment: the greater of 2% of the outstanding balance or $10 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 14.40% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%

People First Federal Credit Union Other Rates

Product	Rate	Points	APY/APR
Business Holiday Account (S2)	0.05%	-	0.05%
Min Balance $0 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
Business Special Account (S6)	0.05%	-	0.05%
Min Balance $0 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
Business Vacation Account (S3)	0.05%	-	0.05%
Min Balance $0 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
Coverdell ESA (S12)	0.15%	-	0.15%
Details Minimum Balance: Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
Coverdell IRA Savings Account (S5)	0.15%	-	0.15%
Details Minimum Balance:; IRA & Coverdell ESA Rates Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
Holiday Account (S2)	0.05%	-	0.05%
Min Balance $0 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
Roth Contributory IRA (S10)	0.15%	-	0.15%
Details Minimum Balance: Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
Special Account (S6)	0.05%	-	0.05%
Min Balance $0 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
Vacation Account (S3)	0.05%	-	0.05%
Min Balance $0 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%

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.
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Financial Health History

People First Federal Credit Union’s Texas Ratio rose from 3.12% in Q3 2023 to 9.56% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)

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	$1.0B	9.56%	5.0	A
March 31, 2026	$1.0B	7.16%	5.0	A
December 31, 2025	$999M	8.87%	5.0	A
September 30, 2025	$958M	7.39%	5.0	A
June 30, 2025	$964M	6.61%	5.0	A
March 31, 2025	$955M	3.91%	5.0	A+
December 31, 2024	$924M	4.58%	5.0	A+
September 30, 2024	$898M	5.35%	5.0	A+
June 30, 2024	$884M	4.51%	5.0	A+
March 31, 2024	$884M	3.76%	5.0	A+
December 31, 2023	$860M	4.47%	5.0	A+
September 30, 2023	$836M	3.12%	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 People First 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 People First 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 People First Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name People First Federal Credit Union

Website https://www.peoplefirst.com

Address 740 W Hamilton St Ste 300, Allentown, PA 18101-2474

Phone 610-797-7440

Fax 610-798-9241

President Gary Haas

CEO Howard Meller

Full-Time Employees 153

Part-Time Employees 12

Branch Locations 9

ATM Locations 9

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (95/100)

Texas Ratio

9.56%

Return on Assets (ROA)

0.1807%

Return on Equity (ROE)

2.3813%

Non-Performing Loans Ratio (NPL)

1.10%

Total Assets

1,040,779,853

Total Amount of Shares and Deposits

968,215,770

Total Shares and Deposits < 1 Year

943,905,473

Total Shares and Deposits 1 3 Years

20,120,174

Total Shares and Deposits > 3 Years

4,190,123

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

33,729,808

Total Uninsured Shares and Deposits > $250K (F+J)

33,729,808

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

934,485,962

Total Interest Expense (Sum of items 6 8)

6,751,551

Share Certificates

10,899

Number of Accounts for Share Drafts

44,778

IRA KEOGH Accounts

3,012

Number of Accounts for Regular Shares

85,497

Money Market Shares

2,368

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)

28,886,296

Total Liabilities

978,953,480

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

People First Federal Credit Union earned the Verified Healthy badge

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

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       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About People First Federal Credit Union

How many branches does People First Federal Credit Union operate?

People First 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 People First Federal Credit Union?

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

Does People First Federal Credit Union offer online and mobile banking?

Most modern institutions like People First 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.peoplefirst.com.

Current People First Federal Credit Union Rates

12-Month CD4.15%
18-Month CD3.50%
24-Month CD3.50%
60-Month CD3.35%
Savings0.05%
MMA2.30%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

People First Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

People First Federal Credit Union Texas Ratio

People First Federal Credit Union Health Trend

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People First Federal Credit Union Business CD Rates

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People First Federal Credit Union RV, Boat and Powersport Loan Rates

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People First Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

People First Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About People First Federal Credit Union

How many branches does People First Federal Credit Union operate?

Is a member application needed to join People First Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does People First Federal Credit Union offer online and mobile banking?

Current People First Federal Credit Union Rates

Compare to Other Credit Unions