Survey ResultsWe asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase.See the full results
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.
PHI Federal Credit Union Rates & Review October 2026
Content reviewed by
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.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: October 13, 2026
PHI Federal Credit Union's top rate as of October 13, 2026 is auto loans from 6.99% APR, according to rates verified by MonitorBankRates. MonitorBankRates evaluates the financial stability of PHI Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.00%. Rates last updated and verified on 10/13/2026.
PHI 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 PHI Federal Credit Union? Share your experience about PHI Federal Credit Union by leaving a review below, or read customer reviews before you decide to use PHI Federal Credit Union.
PHI Federal Credit Union has earned an overall safety grade of A+ (Exceptional, Score: 100/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
PHI Federal Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
0.00%
PerfectLower than avg
PHI Federal Credit Union Texas Ratio
PHI Federal Credit Union's Texas Ratio is 0.00%, which is considered perfect and is lower than the national average of 6.13%.
A 0.00% ratio is the best possible score. PHI Federal Credit Union currently has zero non-performing assets or foreclosed properties on its books.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
2.11% to 0.00% over 12 quarters, improvingFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this credit union has improved and is now very strong since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
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.
PHI Federal Credit Union Auto Loan Rates
Product
Rate
Points
APR
Term
View More
New Vehicle Loan
-
-
6.99%
6 Years
DetailsRating: A; Score: 730; Loan to Value: 100% LTV
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 6.99% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Used Vehicle Loan
-
-
6.99%
6 Years
DetailsRating: A; Score: 730; Loan to Value: 100% LTV
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 6.99% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
New Vehicle Loan
-
-
7.49%
6 Years
DetailsRating: A; Score: 680-729; Loan to Value: 100% LTV
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 7.49% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Used Vehicle Loan
-
-
7.49%
6 Years
DetailsRating: A; Score: 680-729; Loan to Value: 100% LTV
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 7.49% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
New Vehicle and greater Loan
-
-
7.99%
7 Years
Details$50,000.00; Rating: A; Score: 730; Loan to Value: 100% LTV
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 7.99% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
New Vehicle and greater Loan
-
-
8.49%
7 Years
Details$50,000.00; Rating: A; Score: 680-729; Loan to Value: 100% LTV
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 8.49% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
New Vehicle Loan
-
-
8.49%
6 Years
DetailsRating: B; Score: 640-679; Loan to Value: 100% LTV
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 8.49% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Used Vehicle Loan
-
-
8.49%
6 Years
DetailsRating: B; Score: 640-679; Loan to Value: 100% LTV
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 8.49% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
New Vehicle and greater Loan
-
-
9.49%
7 Years
Details$50,000.00; Rating: B; Score: 640-679; Loan to Value: 100% LTV
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 9.49% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
New Vehicle Loan
-
-
10.49%
6 Years
DetailsRating: C; Score: 600-639; Loan to Value: 90% LTV
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 10.49% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Used Vehicle Loan
-
-
10.49%
6 Years
DetailsRating: C; Score: 600-639; Loan to Value: 90% LTV
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 10.49% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
New Vehicle and greater Loan
-
-
11.49%
7 Years
Details$50,000.00; Rating: C; Score: 600-639; Loan to Value: 90% LTV
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 11.49% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
New Vehicle Loan
-
-
12.49%
6 Years
DetailsRating: D; Score: 550-599; Loan to Value: 85% LTV
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 12.49% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Used Vehicle Loan
-
-
12.49%
6 Years
DetailsRating: D; Score: 550-599; Loan to Value: 85% LTV
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 12.49% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
New Vehicle and greater Loan
-
-
13.49%
7 Years
Details$50,000.00; Rating: D; Score: 550-599; Loan to Value: 85% LTV
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 13.49% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
New Vehicle Loan
-
-
16.49%
6 Years
DetailsRating: E; Score: 549 or less; Loan to Value: 85% LTV
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 16.49% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Used Vehicle Loan
-
-
16.49%
6 Years
DetailsRating: E; Score: 549 or less; Loan to Value: 85% LTV
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 16.49% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
New Vehicle and greater Loan
-
-
17.49%
7 Years
Details$50,000.00; Rating: E; Score: 549 or less; Loan to Value: 85% LTV
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 17.49% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
PHI Federal Credit Union RV, Boat and Powersport Loan Rates
Product
Rate
APR
Term
View More
New and Used Boats Loan
7.49%
7.49%
6 Years
DetailsRating: A; Score: 730; Loan to Value: 100% LTV
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 7.49% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
New Motorcycle, ATV, etc. Loan
-
7.49%
6 Years
DetailsRating: A; Score: 730; Loan to Value: 100% LTV
Last Updated10/09/2026
Rate History
No change since Sep 17, 2026 · 7.49% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Used Motorcycle, ATV, etc. Loan
-
7.49%
6 Years
DetailsRating: A; Score: 730; Loan to Value: 100% LTV
Last Updated10/09/2026
Rate History
No change since Sep 17, 2026 · 7.49% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
New and Used Boats Loan
7.99%
7.99%
6 Years
DetailsRating: A; Score: 680-729; Loan to Value: 100% LTV
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 7.99% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
New and Used Boats Loan
7.99%
7.99%
7 years
DetailsRating: A; Score: 730; Loan to Value: 100% LTV
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 7.99% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
New and Used Camper, RV, Etc Loan
7.99%
7.99%
6 years
DetailsRating: A; Score: 730; Loan to Value: 100% LTV
Last Updated10/09/2026
Rate History
No change since Sep 21, 2026 · 7.99% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
New Motorcycle, ATV, etc. Loan
-
7.99%
6 Years
DetailsRating: A; Score: 680-729; Loan to Value: 100% LTV
Last Updated10/09/2026
Rate History
No change since Sep 17, 2026 · 7.99% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
New Motorcycle, ATV, etc. Loan
-
7.99%
7 Years
DetailsRating: A; Score: 730; Loan to Value: 100% LTV
Last Updated10/09/2026
Rate History
No change since Sep 17, 2026 · 7.99% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
New and Used Boats Loan
8.49%
8.49%
7 years
DetailsRating: A; Score: 680-729; Loan to Value: 100% LTV
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 8.49% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
New and Used Boats Loan
8.49%
8.49%
8 years
DetailsRating: A; Score: 730; Loan to Value: 100% LTV
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 8.49% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
New and Used Camper, RV, Etc Loan
8.49%
8.49%
6 years
DetailsRating: A; Score: 680-729; Loan to Value: 100% LTV
Last Updated10/09/2026
Rate History
No change since Sep 21, 2026 · 8.49% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
New and Used Camper, RV, Etc Loan
8.49%
8.49%
7 years
DetailsRating: A; Score: 730; Loan to Value: 100% LTV
Last Updated10/09/2026
Rate History
No change since Sep 21, 2026 · 8.49% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
New Motorcycle, ATV, etc. Loan
-
8.49%
7 Years
DetailsRating: A; Score: 680-729; Loan to Value: 100% LTV
Last Updated10/09/2026
Rate History
No change since Sep 17, 2026 · 8.49% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
New Motorcycle, ATV, etc. Loan
-
8.49%
8 Years
DetailsRating: A; Score: 730; Loan to Value: 100% LTV
Last Updated10/09/2026
Rate History
No change since Sep 17, 2026 · 8.49% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Used Motorcycle, ATV, etc. Loan
-
8.49%
6 Years
DetailsRating: A; Score: 680-729; Loan to Value: 100% LTV
Last Updated10/09/2026
Rate History
No change since Sep 17, 2026 · 8.49% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Used Motorcycle, ATV, etc. Loan
-
8.49%
7 Years
DetailsRating: A; Score: 730; Loan to Value: 100% LTV
Last Updated10/09/2026
Rate History
No change since Sep 17, 2026 · 8.49% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
New and Used Boats Loan
8.99%
8.99%
6 Years
DetailsRating: B; Score: 640-679; Loan to Value: 100% LTV
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 8.99% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
New and Used Boats Loan
8.99%
8.99%
8 years
DetailsRating: A; Score: 680-729; Loan to Value: 100% LTV
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 8.99% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
New and Used Boats Loan
8.99%
8.99%
10 years
DetailsRating: A; Score: 730; Loan to Value: 100% LTV
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 8.99% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
New and Used Camper, RV, Etc Loan
8.99%
8.99%
7 years
DetailsRating: A; Score: 680-729; Loan to Value: 100% LTV
Last Updated10/09/2026
Rate History
No change since Sep 21, 2026 · 8.99% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
New and Used Camper, RV, Etc Loan
8.99%
8.99%
8 years
DetailsRating: A; Score: 730; Loan to Value: 100% LTV
Last Updated10/09/2026
Rate History
No change since Sep 21, 2026 · 8.99% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
New Motorcycle, ATV, etc. Loan
-
8.99%
6 Years
DetailsRating: B; Score: 640-679; Loan to Value: 100% LTV
Last Updated10/09/2026
Rate History
No change since Sep 17, 2026 · 8.99% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
New Motorcycle, ATV, etc. Loan
-
8.99%
8 Years
DetailsRating: A; Score: 680-729; Loan to Value: 100% LTV
Last Updated10/09/2026
Rate History
No change since Sep 17, 2026 · 8.99% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Used Motorcycle, ATV, etc. Loan
-
8.99%
7 Years
DetailsRating: A; Score: 680-729; Loan to Value: 100% LTV
Last Updated10/09/2026
Rate History
No change since Sep 17, 2026 · 8.99% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Used Motorcycle, ATV, etc. Loan
-
8.99%
8 Years
DetailsRating: A; Score: 730; Loan to Value: 100% LTV
Last Updated10/09/2026
Rate History
No change since Sep 17, 2026 · 8.99% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
New and Used Boats Loan
9.49%
9.49%
7 years
DetailsRating: B; Score: 640-679; Loan to Value: 100% LTV
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 9.49% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
New and Used Boats Loan
9.49%
9.49%
10 years
DetailsRating: A; Score: 680-729; Loan to Value: 100% LTV
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 9.49% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
New and Used Camper, RV, Etc Loan
9.49%
9.49%
6 years
DetailsRating: B; Score: 640-679; Loan to Value: 100% LTV
Last Updated10/09/2026
Rate History
No change since Sep 21, 2026 · 9.49% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
New and Used Camper, RV, Etc Loan
9.49%
9.49%
8 years
DetailsRating: A; Score: 680-729; Loan to Value: 100% LTV
Last Updated10/09/2026
Rate History
No change since Sep 21, 2026 · 9.49% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
New and Used Camper, RV, Etc Loan
9.49%
9.49%
10 years
DetailsRating: A; Score: 730; Loan to Value: 100% LTV
Last Updated10/09/2026
Rate History
No change since Sep 21, 2026 · 9.49% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
New Motorcycle, ATV, etc. Loan
-
9.49%
7 Years
DetailsRating: B; Score: 640-679; Loan to Value: 100% LTV
Last Updated10/09/2026
Rate History
No change since Sep 17, 2026 · 9.49% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Used Motorcycle, ATV, etc. Loan
-
9.49%
6 Years
DetailsRating: B; Score: 640-679; Loan to Value: 100% LTV
Last Updated10/09/2026
Rate History
No change since Sep 17, 2026 · 9.49% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Used Motorcycle, ATV, etc. Loan
-
9.49%
8 Years
DetailsRating: A; Score: 680-729; Loan to Value: 100% LTV
Last Updated10/09/2026
Rate History
No change since Sep 17, 2026 · 9.49% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
New and Used Boats Loan
9.99%
9.99%
8 years
DetailsRating: B; Score: 640-679; Loan to Value: 100% LTV
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 9.99% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
New and Used Camper, RV, Etc Loan
9.99%
9.99%
7 years
DetailsRating: B; Score: 640-679; Loan to Value: 100% LTV
Last Updated10/09/2026
Rate History
No change since Sep 21, 2026 · 9.99% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
New and Used Camper, RV, Etc Loan
9.99%
9.99%
10 years
DetailsRating: A; Score: 680-729; Loan to Value: 100% LTV
Last Updated10/09/2026
Rate History
No change since Sep 21, 2026 · 9.99% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
New and Used Campers, ETC. Loan
9.99%
9.99%
12 Years
DetailsRating: A; Score: 730; Loan to Value: 100% LTV
Last Updated10/09/2026
Rate History
No change since Sep 21, 2026 · 9.99% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
New Motorcycle, ATV, etc. Loan
-
9.99%
8 Years
DetailsRating: B; Score: 640-679; Loan to Value: 100% LTV
Last Updated10/09/2026
Rate History
No change since Sep 17, 2026 · 9.99% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Used Motorcycle, ATV, etc. Loan
-
9.99%
7 Years
DetailsRating: B; Score: 640-679; Loan to Value: 100% LTV
Last Updated10/09/2026
Rate History
No change since Sep 17, 2026 · 9.99% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
New and Used Boats Loan
10.49%
10.49%
10 years
DetailsRating: B; Score: 640-679; Loan to Value: 100% LTV
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 10.49% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
New and Used Camper, RV, Etc Loan
10.49%
10.49%
8 years
DetailsRating: B; Score: 640-679; Loan to Value: 100% LTV
Last Updated10/09/2026
Rate History
No change since Sep 21, 2026 · 10.49% APR · checked 5 times
No change since Sep 21, 2026 · 16.49% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
New and Used Boats Loan
18.00%
18.00%
6 Years
DetailsRating: E; Score: 549 or less; Loan to Value: 85% LTV
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 18.00% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
New and Used Boats Loan
18.00%
18.00%
7 years
DetailsRating: E; Score: 549 or less; Loan to Value: 85% LTV
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 18.00% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
New and Used Boats Loan
18.00%
18.00%
8 years
DetailsRating: E; Score: 549 or less; Loan to Value: 85% LTV
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 18.00% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
New and Used Boats Loan
18.00%
18.00%
10 years
DetailsRating: E; Score: 549 or less; Loan to Value: 85% LTV
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 18.00% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
New and Used Camper, RV, Etc Loan
18.00%
18.00%
6 years
DetailsRating: E; Score: 549 or less; Loan to Value: 85% LTV
Last Updated10/09/2026
Rate History
No change since Sep 21, 2026 · 18.00% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
New and Used Camper, RV, Etc Loan
18.00%
18.00%
7 years
DetailsRating: E; Score: 549 or less; Loan to Value: 85% LTV
Last Updated10/09/2026
Rate History
No change since Sep 21, 2026 · 18.00% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
New and Used Camper, RV, Etc Loan
18.00%
18.00%
8 years
DetailsRating: E; Score: 549 or less; Loan to Value: 85% LTV
Last Updated10/09/2026
Rate History
No change since Sep 21, 2026 · 18.00% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
New and Used Camper, RV, Etc Loan
18.00%
18.00%
10 years
DetailsRating: E; Score: 549 or less; Loan to Value: 85% LTV
Last Updated10/09/2026
Rate History
No change since Sep 21, 2026 · 18.00% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
New and Used Campers, ETC. Loan
18.00%
18.00%
12 Years
DetailsRating: E; Score: 549 or Less; Loan to Value: 85% LTV
Last Updated10/09/2026
Rate History
No change since Sep 21, 2026 · 18.00% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
New Motorcycle, ATV, etc. Loan
-
18.00%
6 Years
DetailsRating: E; Score: 549 or less; Loan to Value: 85% LTV
Last Updated10/09/2026
Rate History
No change since Sep 17, 2026 · 18.00% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
New Motorcycle, ATV, etc. Loan
-
18.00%
7 Years
DetailsRating: E; Score: 549 or less; Loan to Value: 85% LTV
Last Updated10/09/2026
Rate History
No change since Sep 17, 2026 · 18.00% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
New Motorcycle, ATV, etc. Loan
-
18.00%
8 Years
DetailsRating: E; Score: 549 or less; Loan to Value: 85% LTV
Last Updated10/09/2026
Rate History
No change since Sep 17, 2026 · 18.00% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Used Motorcycle, ATV, etc. Loan
-
18.00%
6 Years
DetailsRating: E; Score: 549 or less; Loan to Value: 85% LTV
Last Updated10/09/2026
Rate History
No change since Sep 17, 2026 · 18.00% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Used Motorcycle, ATV, etc. Loan
-
18.00%
7 Years
DetailsRating: E; Score: 549 or less; Loan to Value: 85% LTV
Last Updated10/09/2026
Rate History
No change since Sep 17, 2026 · 18.00% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Used Motorcycle, ATV, etc. Loan
-
18.00%
8 Years
DetailsRating: E; Score: 549 or less; Loan to Value: 85% LTV
Last Updated10/09/2026
Rate History
No change since Sep 17, 2026 · 18.00% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Financial Health History
PHI Federal Credit Union’s Texas Ratio fell from 2.11% in Q3 2023 to 0.00% 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; 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
$5M
0.00%
5.0
A+
March 31, 2026
$5M
0.00%
4.9
A+
December 31, 2025
$5M
0.00%
5.0
A+
September 30, 2025
$5M
9.14%
5.0
A
June 30, 2025
$5M
17.62%
4.8
B+
March 31, 2025
$5M
18.96%
4.7
B+
December 31, 2024
$5M
14.86%
5.0
A-
September 30, 2024
$5M
7.11%
5.0
A
June 30, 2024
$6M
2.82%
5.0
A+
March 31, 2024
$6M
0.00%
5.0
A+
December 31, 2023
$6M
0.00%
5.0
A+
September 30, 2023
$6M
2.11%
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 PHI 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 PHI 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 PHI Federal Credit Union's official website for the most current offers and terms.
Address
714 E Kaliste Saloom Rd Ste A3,
Lafayette, LA 70508-2529
Phone337-233-2274
Fax337-232-0026
PresidentKyle Boss
CEOSandra Hall
Full-Time Employees2
Part-Time Employees1
Branch Locations1
ATM Locations0
NCUA Insured✓ Yes, up to $250,000 per depositor
Financials
MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.00%
Return on Assets (ROA)
-0.2937%
Return on Equity (ROE)
-4.2114%
Non-Performing Loans Ratio (NPL)
0.00%
Total Assets
4,889,888
Total Amount of Shares and Deposits
4,516,589
Total Shares and Deposits < 1 Year
4,498,171
Total Shares and Deposits 1 3 Years
18,418
Total Insured Shares and Deposits > $250K (item 17 less item K)
4,516,589
Total Interest Expense (Sum of items 6 8)
1,146
Share Certificates
10
Number of Accounts for Share Drafts
109
Number of Accounts for Regular Shares
951
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Adequately Capitalized
Net Worth Classification if credit union is a new credit union
Adequately Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
1,737,567
Total Liabilities
4,548,861
Source: NCUA — Last Updated 06/30/2026
Q2 2026 MBR Health & Safety Badge
PHI 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.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
There are no reviews for PHI Federal Credit Union 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 PHI Federal Credit Union
Frequently Asked Questions About PHI Federal Credit Union
How many branches does PHI Federal Credit Union operate?
PHI 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 PHI Federal Credit Union?
Yes, to access services at PHI 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, PHI 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, PHI Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.
Does PHI Federal Credit Union offer online and mobile banking?
Most modern institutions like PHI 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.phifcu.com.
Brian McKay
