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PINPOINT Rates & Review April 2026

Q: Is PINPOINT a safe place to deposit money?

Yes, PINPOINT is considered a safe financial institution. With a Texas Ratio of 26.828533177029%, the institution's financial health is rated as stable. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

Q: How many branches does PINPOINT operate?

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

Q: Is a member application needed to join PINPOINT?

Yes, to access services at PINPOINT, 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: Is there a first-time homebuyer program?

Currently, PINPOINT 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, PINPOINT 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: April 18, 2026

You can compare PINPOINT rates to other rates in our database, including 12-month share certificate rates currently at 3.80%, 6-month share certificate rates at 0.40% and 3-month share certificate rates at 4.16%. Savings rates are at 0.25% and money market rates are at 0.20%. Mortgage rates on 30-year fixed loans are around 6.07%. All these rates can be compared to PINPOINT rates. MonitorBankRates evaluates the financial stability of PINPOINT with a 4.0 Star Rating, an C Overall Health Grade, and a Texas Ratio of 26.83%. Rates were last updated on 04/18/2026.

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

Overall Health & Safety Grade

Average Health Score: 77/100

MonitorBankRates Rating

4.0

Excellent Out of 5.0 Stars

Texas Ratio

26.83%

Good Higher than avg

McGehee Bank
MAIN OFFICE

37 FERRY LN
MILTON, PA 17847 2601

https://www.pinpointfcu.org

Current Rate Availability

We do not have PINPOINT rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for PINPOINT 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 PINPOINT 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 PINPOINT's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name PINPOINT

Website https://www.pinpointfcu.org

Address 37 FERRY LN, MILTON, PA 17847 2601

Phone 570-742-3903

Fax 570-742-0389

President Jason Budman

CEO Brenda Raker

Full-Time Employees 5

Part-Time Employees 3

Branch Locations 1

ATM Locations 1

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

4.0 / 5.0 ★

Overall Health & Safety Grade

C (77/100)

Texas Ratio

26.83%

Return on Assets (ROA)

0.7195%

Return on Equity (ROE)

9.5194%

Non-Performing Loans Ratio (NPL)

2.96%

Total Assets

31,783,303

Total Amount of Shares and Deposits

29,389,572

Total Shares and Deposits < 1 Year

28,060,954

Total Shares and Deposits 1 3 Years

1,328,618

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

3,217,164

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

3,217,164

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

26,172,408

Total Interest Expense (Sum of items 6 8)

275,881

Share Certificates

104

Number of Accounts for Share Drafts

1,692

Number of Accounts for Regular Shares

2,984

All other shares

865

Non Member Deposits

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

4,109,137

Total Liabilities

29,405,786

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Frequently Asked Questions About PINPOINT

Is PINPOINT a safe place to deposit money?

Yes, PINPOINT is considered a safe financial institution. With a Texas Ratio of 26.828533177029%, the institution's financial health is rated as stable. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does PINPOINT operate?

PINPOINT 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 PINPOINT?

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

Does PINPOINT offer online and mobile banking?

Most modern institutions like PINPOINT 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.pinpointfcu.org.