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Peoples Alliance Federal Credit Union Rates & Review September 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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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: September 14, 2026

Peoples Alliance Federal Credit Union's 10 Month CD Special rates are at 4.05%, 8 Month CD Special rates are at 3.97%, 6 Month CD rates are at 3.76%, 11 Month CD Special rates are at 3.56%, 18 Month Bump Up rates are at 3.14%. Peoples Alliance Federal Credit Union's savings rates are at 0.10%. Peoples Alliance Federal Credit Union's money market rates are at 0.35%. Peoples Alliance Federal Credit Union's 15 Year Fixed Mortgage rates are at 6.00%, 10 Year Fixed Mortgage rates are at 6.12%, 30 Year Fixed Mortgage rates are at 6.38%, 20 Year Fixed Mortgage rates are at 6.38%. Peoples Alliance Federal Credit Union's Personal Loan Rates are as low as 9.74%. MonitorBankRates evaluates the financial stability of Peoples Alliance Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.08%. Rates last updated and verified on 09/14/2026.

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

MonitorBankRates Verified Healthy Badge 2026 Verified Healthy 2026 Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 98/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
3.08%
Excellent Lower than avg
Health Trend ?
Improving 12 quarters
Full history ›
Peoples Alliance Federal Credit Union
Main Office
125 Wireless Blvd
Hauppauge, NY 11788-3971
https://www.pafcu.org
Member NCUA

Peoples Alliance Federal Credit Union CD Rates

Product Rate APY Term View More
10 Month Certificate Special 3.98% 4.05% 10 Month Special
Min Deposit $1,000
Details Available for new money only, new money is defined as money not currently on deposit or held by People's Alliance Federal Credit Union (PAFCU) within the past 12 months. New money is determined by PAFCU's sole discretion. Early withdrawal penalties may apply and could reduce earnings. Fees may reduce earnings. Offer available for a limited time. Membership eligibility required. Other terms and restrictions may apply. See a PAFCU representative for complete details.
Last Updated 09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
8 Month Certificate Special 3.90% 3.97% 8 Month Special
Min Deposit $1,000
Details Available for new money only, new money is defined as money not currently on deposit or held by People's Alliance Federal Credit Union (PAFCU) within the past 12 months. New money is determined by PAFCU's sole discretion. Early withdrawal penalties may apply and could reduce earnings. Fees may reduce earnings. Offer available for a limited time. Membership eligibility required. Other terms and restrictions may apply. See a PAFCU representative for complete details.
Last Updated 09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
6 Month Certificate 3.70% 3.76% 6 Months
Min Deposit $1,000
Details Available for new money only, new money is defined as money not currently on deposit or held by People's Alliance Federal Credit Union (PAFCU) within the past 12 months. New money is determined by PAFCU's sole discretion. Early withdrawal penalties may apply and could reduce earnings. Fees may reduce earnings. Offer available for a limited time. Membership eligibility required. Other terms and restrictions may apply. See a PAFCU representative for complete details.
Last Updated 09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
11 Month Certificate Special 3.50% 3.56% 11 Month Special
Min Deposit $1,000
Details Available for new money only, new money is defined as money not currently on deposit or held by People's Alliance Federal Credit Union (PAFCU) within the past 12 months. New money is determined by PAFCU's sole discretion. Early withdrawal penalties may apply and could reduce earnings. Fees may reduce earnings. Offer available for a limited time. Membership eligibility required. Other terms and restrictions may apply. See a PAFCU representative for complete details.
Last Updated 09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
18 Month Bump Up 3.10% 3.14% 18 Month Bump Up
Min Deposit $1,000
Details Available for new money only, new money is defined as money not currently on deposit or held by People's Alliance Federal Credit Union (PAFCU) within the past 12 months. New money is determined by PAFCU's sole discretion. Early withdrawal penalties may apply and could reduce earnings. Fees may reduce earnings. Offer available for a limited time. Membership eligibility required. Other terms and restrictions may apply. See a PAFCU representative for complete details.
Last Updated 09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
5 Year Certificate 2.83% 2.87% 5 Year
Min Deposit $1,000
Details Available for new money only, new money is defined as money not currently on deposit or held by People's Alliance Federal Credit Union (PAFCU) within the past 12 months. New money is determined by PAFCU's sole discretion. Early withdrawal penalties may apply and could reduce earnings. Fees may reduce earnings. Offer available for a limited time. Membership eligibility required. Other terms and restrictions may apply. See a PAFCU representative for complete details.
Last Updated 09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
2 Year Certificate 2.50% 2.53% 2 Year
Min Deposit $1,000
Details Available for new money only, new money is defined as money not currently on deposit or held by People's Alliance Federal Credit Union (PAFCU) within the past 12 months. New money is determined by PAFCU's sole discretion. Early withdrawal penalties may apply and could reduce earnings. Fees may reduce earnings. Offer available for a limited time. Membership eligibility required. Other terms and restrictions may apply. See a PAFCU representative for complete details.
Last Updated 09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
3 Year Certificate 2.22% 2.24% 3 Year
Min Deposit $1,000
Details Available for new money only, new money is defined as money not currently on deposit or held by People's Alliance Federal Credit Union (PAFCU) within the past 12 months. New money is determined by PAFCU's sole discretion. Early withdrawal penalties may apply and could reduce earnings. Fees may reduce earnings. Offer available for a limited time. Membership eligibility required. Other terms and restrictions may apply. See a PAFCU representative for complete details.
Last Updated 09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
4 Year Certificate 2.22% 2.24% 4 Year
Min Deposit $1,000
Details Available for new money only, new money is defined as money not currently on deposit or held by People's Alliance Federal Credit Union (PAFCU) within the past 12 months. New money is determined by PAFCU's sole discretion. Early withdrawal penalties may apply and could reduce earnings. Fees may reduce earnings. Offer available for a limited time. Membership eligibility required. Other terms and restrictions may apply. See a PAFCU representative for complete details.
Last Updated 09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
12 Month Young Adult Building 2.08% 2.10% 12 Month
Min Deposit $1,000
Details Term: 12 Month Young Adult Building; Available for new money only, new money is defined as money not currently on deposit or held by People's Alliance Federal Credit Union (PAFCU) within the past 12 months. New money is determined by PAFCU's sole discretion. Early withdrawal penalties may apply and could reduce earnings. Fees may reduce earnings. Offer available for a limited time. Membership eligibility required. Other terms and restrictions may apply. See a PAFCU representative for complete details.
Last Updated 09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
12 Month Youth 2.08% 2.10% 12 Month Youth
Min Deposit $1,000
Details Available for new money only, new money is defined as money not currently on deposit or held by People's Alliance Federal Credit Union (PAFCU) within the past 12 months. New money is determined by PAFCU's sole discretion. Early withdrawal penalties may apply and could reduce earnings. Fees may reduce earnings. Offer available for a limited time. Membership eligibility required. Other terms and restrictions may apply. See a PAFCU representative for complete details.
Last Updated 09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
9 Month Certificate 2.05% 2.07% 9 Months
Min Deposit $1,000
Details Available for new money only, new money is defined as money not currently on deposit or held by People's Alliance Federal Credit Union (PAFCU) within the past 12 months. New money is determined by PAFCU's sole discretion. Early withdrawal penalties may apply and could reduce earnings. Fees may reduce earnings. Offer available for a limited time. Membership eligibility required. Other terms and restrictions may apply. See a PAFCU representative for complete details.
Last Updated 09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
1 Year Certificate 1.83% 1.85% 1 Year
Min Deposit $1,000
Details Available for new money only, new money is defined as money not currently on deposit or held by People's Alliance Federal Credit Union (PAFCU) within the past 12 months. New money is determined by PAFCU's sole discretion. Early withdrawal penalties may apply and could reduce earnings. Fees may reduce earnings. Offer available for a limited time. Membership eligibility required. Other terms and restrictions may apply. See a PAFCU representative for complete details.
Last Updated 09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
Building 1 Year 1.83% 1.85% 1 Year
Min Deposit $1,000
Details Available for new money only, new money is defined as money not currently on deposit or held by People's Alliance Federal Credit Union (PAFCU) within the past 12 months. New money is determined by PAFCU's sole discretion. Early withdrawal penalties may apply and could reduce earnings. Fees may reduce earnings. Offer available for a limited time. Membership eligibility required. Other terms and restrictions may apply. See a PAFCU representative for complete details.
Last Updated 09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
Education 1 Year 1.83% 1.85% 1 Year
Min Deposit $1,000
Details Available for new money only, new money is defined as money not currently on deposit or held by People's Alliance Federal Credit Union (PAFCU) within the past 12 months. New money is determined by PAFCU's sole discretion. Early withdrawal penalties may apply and could reduce earnings. Fees may reduce earnings. Offer available for a limited time. Membership eligibility required. Other terms and restrictions may apply. See a PAFCU representative for complete details.
Last Updated 09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
3 Month Certificate 1.63% 1.64% 3 Months
Min Deposit $1,000
Details Available for new money only, new money is defined as money not currently on deposit or held by People's Alliance Federal Credit Union (PAFCU) within the past 12 months. New money is determined by PAFCU's sole discretion. Early withdrawal penalties may apply and could reduce earnings. Fees may reduce earnings. Offer available for a limited time. Membership eligibility required. Other terms and restrictions may apply. See a PAFCU representative for complete details.
Last Updated 09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%

Peoples Alliance Federal Credit Union Savings Rates

Product Rate APY View More
Youth Savings 4.41% 4.50%
Min Balance $0
Last Updated 09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
Lucky Savers 1.83% 1.85%
Min Deposit $1,000
Details Available for new money only, new money is defined as money not currently on deposit or held by People's Alliance Federal Credit Union (PAFCU) within the past 12 months. New money is determined by PAFCU's sole discretion. Early withdrawal penalties may apply and could reduce earnings. Fees may reduce earnings. Offer available for a limited time. Membership eligibility required. Other terms and restrictions may apply. See a PAFCU representative for complete details.
Last Updated 09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
Health Savings Acct 0.10% 0.10%
No additional details.
Last Updated 09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%

Peoples Alliance Federal Credit Union Money Market Rates

Product Rate APY View More
Money Market - 0.70%
Min Balance $100,000
Last Updated 09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
Money Market - 0.50%
Min Balance $25,000
Last Updated 09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
Money Market - 0.50%
Min Balance $50,000
Last Updated 09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
Money Market - 0.35%
Min Balance $2,500
Last Updated 09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%

Peoples Alliance Federal Credit Union Checking Rates

Product Rate APY View More
VIP Checking 0.05% 0.05%
No additional details.
Last Updated 09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%

Peoples Alliance Federal Credit Union Mortgage Rates

Product Rate Points APR Term View More
15 Year Fixed Mortgage 6.00% 0 6.09% 15 Year
No additional details.
Last Updated 09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
10 Year Fixed Mortgage 6.13% 0 6.26% 10 Year
No additional details.
Last Updated 09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
30 Year Fixed Mortgage 6.38% 0 6.43% 30 Year
No additional details.
Last Updated 09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
20 Year Fixed Mortgage 6.38% 0 6.45% 20 Year
No additional details.
Last Updated 09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%

Peoples Alliance Federal Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
Fixed Home Equity Loan 7.85% - 7.85%
Details Fixed; New Loans*
Last Updated 09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
Mini Home Equity Loan 7.88% - 7.88%
Details variable
Last Updated 09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%

Peoples Alliance Federal Credit Union Auto Loan Rates

Product Rate Points APR Term View More
New Vehicle 4.60% - 4.60% 1-5 years
Details As low as; The above annual percentage rates (APR) are the lowest rates offered to applicants with direct deposit of net pay and a checking account. Applicants who are not approved at these rates or terms may be offered credit at a higher rate and/or different terms. All loan requests and rates are subject to credit approval. Does not apply to member with existing equity loans.
Last Updated 09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
New Vehicle 4.85% - 4.85% 6 years
Details Term: 6 years (over $15,000); As low as; The above annual percentage rates (APR) are the lowest rates offered to applicants with direct deposit of net pay and a checking account. Applicants who are not approved at these rates or terms may be offered credit at a higher rate and/or different terms. All loan requests and rates are subject to credit approval. Does not apply to member with existing equity loans.
Last Updated 09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
New Vehicle 5.45% - 5.45% 7 years
Details Term: 7 years (over $25,000)*** New Vehicle; As low as; The above annual percentage rates (APR) are the lowest rates offered to applicants with direct deposit of net pay and a checking account. Applicants who are not approved at these rates or terms may be offered credit at a higher rate and/or different terms. All loan requests and rates are subject to credit approval. Does not apply to member with existing equity loans.
Last Updated 09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
Used Vehicle / Refinance 5.50% - 5.50% 6 years
Details Term: 6 years (over $15,000); As low as; The above annual percentage rates (APR) are the lowest rates offered to applicants with direct deposit of net pay and a checking account. Applicants who are not approved at these rates or terms may be offered credit at a higher rate and/or different terms. All loan requests and rates are subject to credit approval. Does not apply to member with existing equity loans.
Last Updated 09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
Used Vehicle / Refinance 6.10% - 6.10% 7 years
Details Term: 7 years (over $25,000)*** Used Vehicle / Refinance; As low as; The above annual percentage rates (APR) are the lowest rates offered to applicants with direct deposit of net pay and a checking account. Applicants who are not approved at these rates or terms may be offered credit at a higher rate and/or different terms. All loan requests and rates are subject to credit approval. Does not apply to member with existing equity loans.
Last Updated 09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
Aircraft, Travel Trailer and Rec. Vehicle 7.49% - 7.49% 1-6 years
Details As low as; The above annual percentage rates (APR) are the lowest rates offered to applicants with direct deposit of net pay and a checking account. Applicants who are not approved at these rates or terms may be offered credit at a higher rate and/or different terms. All loan requests and rates are subject to credit approval. Does not apply to member with existing equity loans.
Last Updated 09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
Aircraft, Travel Trailer and Rec. Vehicle 8.49% - 8.49% 7
Details Term: 7-12 years (over $20,000); As low as; The above annual percentage rates (APR) are the lowest rates offered to applicants with direct deposit of net pay and a checking account. Applicants who are not approved at these rates or terms may be offered credit at a higher rate and/or different terms. All loan requests and rates are subject to credit approval. Does not apply to member with existing equity loans.
Last Updated 09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%

Peoples Alliance Federal Credit Union Student Loan Rates

Product Rate Points APR Term View More
Education Loan 8.00% - 8.00% Variable
No additional details.
Last Updated 09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%

Peoples Alliance Federal Credit Union Credit Card Rates

Product Rate APR View More
Credit Card Balance Transfer - 4.00%
Details Introductory period
Last Updated 09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%

Peoples Alliance Federal Credit Union Personal Loan Rates

Product APR Term View More
Signature (Unsecured)/Debt Consolidation 9.74% 1-3 years
Details As low as; The above annual percentage rates (APR) are the lowest rates offered to applicants with direct deposit of net pay and a checking account. Applicants who are not approved at these rates or terms may be offered credit at a higher rate and/or different terms. All loan requests and rates are subject to credit approval. Does not apply to member with existing equity loans.
Last Updated 09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
Debt Consolidation Loan 9.99% 60 months
Details As Low As; The above annual percentage rates (APR) are the lowest rates offered to applicants with direct deposit of net pay and a certain checking account. Applicants who are not approved at these rates or terms may be offered credit at a higher rate and/or different terms. All loan requests and rates are subject to credit approval.
Last Updated 09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
Signature (Unsecured)/Debt Consolidation 10.74% 4-5 years
Details As low as; The above annual percentage rates (APR) are the lowest rates offered to applicants with direct deposit of net pay and a checking account. Applicants who are not approved at these rates or terms may be offered credit at a higher rate and/or different terms. All loan requests and rates are subject to credit approval. Does not apply to member with existing equity loans.
Last Updated 09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%

Peoples Alliance Federal Credit Union Other Rates

Product Rate Points APY/APR Term View More
Variable Equity Line of Credit 5.74% - 5.74%
Last Updated 09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
Escrow Accounts 0.05% - 0.05%
Min Balance $50
Last Updated 09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
IRA 0.17% - 0.17%
Min Balance $50
Last Updated 09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
Prime Share Account 0.10% - 0.10%
Min Balance $50
Last Updated 09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
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

Peoples Alliance Federal Credit Union’s Texas Ratio fell from 4.16% in Q2 2023 to 3.08% in Q1 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★ 1.6% 2.0★ 3.2% 3.0★ 4.7% 4.0★ 6.3% 5.0★ Healthy zone – entire history below the 15% limit 4.16% A+ Q2 2023 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 3.08% A+ Q1 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
March 31, 2026$327M3.08%5.0A+
December 31, 2025$319M3.89%5.0A+
September 30, 2025$320M3.74%5.0A+
June 30, 2025$322M4.31%5.0A+
March 31, 2025$320M4.69%5.0A+
December 31, 2024$315M3.80%5.0A+
September 30, 2024$315M3.58%5.0A+
June 30, 2024$318M3.66%5.0A+
March 31, 2024$324M4.02%5.0A+
December 31, 2023$321M4.40%5.0A+
September 30, 2023$324M4.07%5.0A+
June 30, 2023$329M4.16%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 Peoples Alliance 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 Peoples Alliance 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 Peoples Alliance Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Peoples Alliance Federal Credit Union
Website https://www.pafcu.org
Address 125 Wireless Blvd, Hauppauge, NY 11788-3971
Phone 631-434-3500
Fax 631-434-6652
President Diane Goerz
CEO Carol Allen
Full-Time Employees 82
Part-Time Employees 7
Branch Locations 8
ATM Locations 6
NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
3.08%
Return on Assets (ROA)
0.1092%
Return on Equity (ROE)
1.0051%
Non-Performing Loans Ratio (NPL)
0.61%
Total Assets
326,676,927
Total Amount of Shares and Deposits
288,465,700
Total Shares and Deposits < 1 Year
282,888,732
Total Shares and Deposits 1 3 Years
4,840,470
Total Shares and Deposits > 3 Years
736,498
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
21,580,723
Total Uninsured Shares and Deposits > $250K (F+J)
21,580,723
Total Insured Shares and Deposits > $250K (item 17 less item K)
266,884,977
Total Interest Expense (Sum of items 6 8)
716,786
Share Certificates
3,085
Number of Accounts for Share Drafts
13,564
IRA KEOGH Accounts
701
Number of Accounts for Regular Shares
39,884
Money Market Shares
482
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)
45,934,780
Total Liabilities
293,039,608
Source: NCUA — Last Updated 03/31/2026
MonitorBankRates Verified Healthy Badge 2026
2026 MBR Health & Safety Badge

Peoples Alliance Federal Credit Union earned the Verified Healthy badge

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

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Frequently Asked Questions About Peoples Alliance Federal Credit Union

How many branches does Peoples Alliance Federal Credit Union operate?

Peoples Alliance 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 Peoples Alliance Federal Credit Union?

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

Does Peoples Alliance Federal Credit Union offer online and mobile banking?

Most modern institutions like Peoples Alliance 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.pafcu.org.

Current Peoples Alliance Federal Credit Union Rates

  • 12-Month CD1.85%
  • 18-Month CD3.14%
  • 24-Month CD2.53%
  • 60-Month CD2.87%
  • Savings0.10%
  • MMA0.35%
Retrieved from our database of financial products. Rates subject to change.

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