What are the current interest rates at Pheple Federal Credit Union?

Current rates for Pheple Federal Credit Union include: 12-Month CD: 2.75%, 60-Month CD: 2.00%, Savings: 0.05%, MMA: 0.75%

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Pheple Federal Credit Union

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Pheple Federal Credit Union Rates & Review October 2026

Q: Is a member application needed to join Pheple Federal Credit Union?

Yes, to access services at Pheple 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Pheple 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

Pheple Federal Credit Union's top rates as of October 12, 2026 are 2.80% APY on its IRA CD - 12 month, 0.05% APY on savings, 0.75% APY on money market accounts, personal loans from 9.49% APR, and credit cards from 7.99% APR, according to rates verified by MonitorBankRates. Other Pheple Federal Credit Union CD rates include CDs - 12 month at 2.75%, IRA CD - 36 month at 2.30%, and CDs - 36 month at 2.25%. MonitorBankRates evaluates the financial stability of Pheple Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.60%. Rates last updated and verified on 10/12/2026.

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

Verified Healthy Q2 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

4.60%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Pheple Federal Credit Union
Administrative Offices

230 Theobold Ave
Greensburg, PA 15601-5536

https://www.pheplefcu.org

Customer Reviews

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Pheple Federal Credit Union CD Rates

Product	Rate	APY	Term
IRA Share Certificate - 12 month	2.77%	2.80%	12 Months
Min Deposit $100 Details Minimum $100.00 investment to open share certificate and obtain APY; Legacy Member Club benefit: earn an additional 0.15% (Legacy Member Club is for members 60 and older); Penalty for early withdrawal may reduce earnings Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 2.80% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.60%
Share Certificates - 12 month	2.72%	2.75%	12 Months
Min Deposit $100 Details $100.00 minimum investment to open share certificate and obtain APY; Legacy Member Club benefit: earn an additional 0.15% (Legacy Member Club is for members 60 and older) Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 2.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.60%
IRA Share Certificate - 36 month	2.28%	2.30%	36 Months
Min Deposit $100 Details Minimum $100.00 investment to open share certificate and obtain APY; Legacy Member Club benefit: earn an additional 0.15% (Legacy Member Club is for members 60 and older); Penalty for early withdrawal may reduce earnings Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 2.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.60%
Share Certificates - 36 month	2.23%	2.25%	36 Months
Min Deposit $100 Details $100.00 minimum investment to open share certificate and obtain APY; Legacy Member Club benefit: earn an additional 0.15% (Legacy Member Club is for members 60 and older) Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 2.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.60%
IRA Share Certificate - 60 month	2.03%	2.05%	60 Months
Min Deposit $100 Details Minimum $100.00 investment to open share certificate and obtain APY; Legacy Member Club benefit: earn an additional 0.15% (Legacy Member Club is for members 60 and older); Penalty for early withdrawal may reduce earnings Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 2.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.60%
Share Certificates - 60 month	1.98%	2.00%	60 Months
Min Deposit $100 Details $100.00 minimum investment to open share certificate and obtain APY; Legacy Member Club benefit: earn an additional 0.15% (Legacy Member Club is for members 60 and older) Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 2.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.60%

Pheple Federal Credit Union Savings Rates

Product	Rate	APY
IRA Savings	0.05%	0.05%
Details Rate may change after account is opened 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: 4.60%
Share Savings	0.01%	0.01%
Details Rate may change after account is opened Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.01% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.60%

Pheple Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market	0.75%	0.75%
Min Balance $50,000 Details Balance: $50,000.00 and over; Rate may change after account is opened Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.60%
Money Market	0.25%	0.25%
Min Balance $25,000 Details Balance: $25,000.00 - $49.999.99; Rate may change after account is opened Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.60%
Money Market	0.10%	0.10%
Min Balance $500 Details Balance: $500.00 - $24,999.99; Rate may change after account is opened 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: 4.60%

Pheple Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan - First Lien	6.40%	-	6.40%	Up to 5 years
Details As Low As; First Lien; Est. Pmt./$10,000 borrowed: $195.19; Estimated payment excludes taxes and insurance Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.40% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.60%
Home Equity Loan - First Lien	6.55%	-	6.55%	Up to 10 years
Details As Low As; First Lien; Est. Pmt./$10,000 borrowed: $113.80; Estimated payment excludes taxes and insurance Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.55% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.60%
Home Equity Loan - First Lien	6.60%	-	6.60%	Up to 15 years
Details As Low As; First Lien; Est. Pmt./$10,000 borrowed: $87.66; Estimated payment excludes taxes and insurance Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.60% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.60%
Home Equity Loan - First Lien	7.04%	-	7.04%	Up to 20 years
Details As Low As; First Lien; Est. Pmt./$10,000 borrowed: $77.77; Estimated payment excludes taxes and insurance Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.04% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.60%

Pheple Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR
New Auto - Relationship Pricing	-	-	3.24%
Details As Low As; Relationship Pricing Discount Rate; Rate is based on vehicles that are 5 model years or newer with less than 150,000 miles. Rate is subject to change if the vehicle falls outside of these guidelines, or if the vehicle has a rebuilt title. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.60%
Used Auto - Relationship Pricing	-	-	4.24%
Details As Low As; Relationship Pricing Discount Rate; Rate is based on vehicles that are 5 model years or newer with less than 150,000 miles. Rate is subject to change if the vehicle falls outside of these guidelines, or if the vehicle has a rebuilt title. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.60%
New Auto	-	-	4.49%
Details As Low As; Rate is based on vehicles that are 5 model years or newer with less than 150,000 miles. Rate is subject to change if the vehicle falls outside of these guidelines, or if the vehicle has a rebuilt title. Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 4.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.60%
Used Auto	-	-	5.49%
Details As Low As; Rate is based on vehicles that are 5 model years or newer with less than 150,000 miles. Rate is subject to change if the vehicle falls outside of these guidelines, or if the vehicle has a rebuilt title. Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 5.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.60%

Pheple Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR
New Motorcycle Loan	-	5.99%
Details As Low As; Motorcycle Loans; Other rates and terms available Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 5.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.60%
Used Motorcycle Loan	-	6.99%
Details As Low As; Motorcycle Loans; Other rates and terms available Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 6.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.60%

Pheple Federal Credit Union Credit Card Rates

Product	Rate	APR
Student Credit Card	-	7.99%
Details As Low As; Application subject to approval Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 7.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.60%
Platinum Credit Card	-	9.49%
Details As Low As; Application subject to approval 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: 4.60%
Credit Builder Credit Card	-	9.99%
Details As Low As; Application subject to approval 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: 4.60%

Pheple Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loan	9.49%
Details As Low As; Signature Loans; APR shown for standard pricing Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 9.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.60%

Pheple Federal Credit Union Other Rates

Product	Rate	Points	APY/APR
PAL Loan	-	-	18.00%
Details Application subject to approval; All loans subject to normal underwriting guidelines Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 18.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.60%
KASASA Cash & Saver (Non Qualifying) Checking	0.05%	-	0.05%
Details Balance: All Balances; Rate may change after account is opened 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: 4.60%
KASASA Cash Checking (Qualifying)	4.89%	-	5.00%
Details Qualifying balance up to $15,000.00 Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 5.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.60%
KASASA Checking	-	-	5.00%
Details Qualifications Required; Qualifying balance up to $15,000.00 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.60%
KASASA Saver (Qualifying) Savings	-	-	0.45%
Min Balance $50,000 Details Published APY range: 0.45% - 0.75%. Balance: Above $50,000.00 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.45% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.60%
KASASA Saver (Qualifying) Savings	0.75%	-	0.75%
Details Balance: Up to $50,000.00 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.60%

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

Pheple Federal Credit Union’s Texas Ratio fell from 8.27% in Q3 2023 to 4.60% 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 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	$134M	4.60%	5.0	A+
March 31, 2026	$137M	4.86%	5.0	A+
December 31, 2025	$133M	6.03%	5.0	A
September 30, 2025	$132M	5.63%	5.0	A+
June 30, 2025	$130M	4.90%	5.0	A+
March 31, 2025	$133M	4.30%	5.0	A+
December 31, 2024	$132M	6.14%	5.0	A
September 30, 2024	$121M	6.53%	5.0	A
June 30, 2024	$122M	7.04%	5.0	A
March 31, 2024	$122M	5.80%	5.0	A+
December 31, 2023	$117M	6.65%	5.0	A
September 30, 2023	$118M	8.27%	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 Pheple 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 Pheple 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 Pheple Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Pheple Federal Credit Union

Website https://www.pheplefcu.org

Address 230 Theobold Ave, Greensburg, PA 15601-5536

Phone 724-837-4883

Fax 724-837-4955

President Lyzona Marshall

CEO Maria LaVelle

Full-Time Employees 48

Part-Time Employees 18

Branch Locations 9

ATM Locations 3

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

4.60%

Return on Assets (ROA)

0.3797%

Return on Equity (ROE)

3.9746%

Non-Performing Loans Ratio (NPL)

0.57%

Total Assets

134,019,828

Total Amount of Shares and Deposits

121,090,226

Total Shares and Deposits < 1 Year

119,235,385

Total Shares and Deposits 1 3 Years

1,646,259

Total Shares and Deposits > 3 Years

208,582

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

1,450,535

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

1,450,535

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

119,639,691

Total Interest Expense (Sum of items 6 8)

515,216

Share Certificates

1,265

Number of Accounts for Share Drafts

9,101

IRA KEOGH Accounts

393

Number of Accounts for Regular Shares

22,618

All other shares

Money Market Shares

243

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

508,930

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)

2,652,474

Total Liabilities

122,948,878

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Pheple Federal Credit Union earned the Verified Healthy badge

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

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

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

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Frequently Asked Questions About Pheple Federal Credit Union

How many branches does Pheple Federal Credit Union operate?

Pheple 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 Pheple Federal Credit Union?

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

Does Pheple Federal Credit Union offer online and mobile banking?

Most modern institutions like Pheple 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.pheplefcu.org.