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Police And Fire Federal Credit Union Rates & Review November 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 28, 2026
Police And Fire Federal Credit Union's CD - 5 Year rates are at 3.30%, CD - 4 Year rates are at 3.25%, CD - 3 Year rates are at 3.20%, CD - 30 Month rates are at 3.15%, CD - 2 Year rates are at 3.10%. Police And Fire Federal Credit Union's savings rates are at 1.00%. Police And Fire Federal Credit Union's money market rates are at 3.00%. Police And Fire Federal Credit Union's checking rates are as high as 0.25%. Police And Fire Federal Credit Union's 5/30 ARM rates are at 6.38%, EXPRESS Refi Mortgage - 5/30 ARM rates are at 6.38%, Fixed-Rate Mortgage - 15-Year Fixed Jumbo rates are at 6.50%, EXPRESS Refi Mortgage - 15-Year Fixed Rate Jumbo rates are at 6.50%, Fixed-Rate Mortgage - 15-Year Fixed rates are at 6.50%. Police And Fire Federal Credit Union's Personal Loan Rates are as low as 9.99%. Police And Fire Federal Credit Union's Credit Card Rates are at 12.65%. Police And Fire Federal Credit Union's CD rates are 11% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Police And Fire Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.70%. Rates last updated and verified on 10/28/2026.
Police And Fire 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 Police And Fire Federal Credit Union? Share your experience about Police And Fire Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Police And Fire Federal Credit Union.
Police And Fire 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
Police And Fire 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
?
0.70%
ExcellentLower than avg
Police And Fire Federal Credit Union Texas Ratio
Police And Fire Federal Credit Union's Texas Ratio is 0.70%, which is considered excellent and is lower than the national average of 6.13%.
Police And Fire Federal Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
0.60% to 0.70% over 12 quarters, very strongFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this credit union has stayed 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.
No change since Sep 25, 2026 · 0.25% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.70%
Police And Fire Federal Credit Union Money Market Rates
Product
Rate
APY
View More
IRA Money Markets-Traditional and Roth (S6/S12)
2.96%
3.00%
No additional details.
Last Updated10/28/2026
Rate History
1 change since Sep 25, 2026 · 2.75% → 3.00% ▲ 0.25 pts · high 3.00% / low 2.75%
Oct 4, 20263.00%▲ from 2.75%
Sep 25, 20262.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.70%
Police And Fire Federal Credit Union Checking Rates
Product
Rate
APY
View More
Free PFFCU Checking Account
0.25%
0.25%
DetailsShare Account Checking (S4); Balance: On all balances
Last Updated10/28/2026
Rate History
No change since Sep 16, 2026 · 0.25% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.70%
Police And Fire Federal Credit Union Mortgage Rates
Product
Rate
Points
APR
Term
View More
5/30 ARM
6.375%
0.000
6.487%
DetailsAdjustable-Rate Mortgage; Conventional Fannie Mae Mortgage Product; Origination Fee or Lender Credit: 0.000%; Rates stated for loan amounts over $100,000, 780+ credit score, LTV 80% or less, 60-day rate lock
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 6.49% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.70%
EXPRESS Refi Mortgage - 5/30 ARM
6.375%
-
6.498%
5/30
DetailsAdjustable-rate mortgage; Origination Fee or Lender Credit: 0.000%
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 6.50% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.70%
EXPRESS Refi Mortgage - 5/30 ARM
6.375%
0.000%
6.498%
30 years
DetailsAdjustable rate mortgage; Origination Fee or Lender Credit: 0.000%
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 6.50% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.70%
Fixed-Rate Mortgage - 15-Year Fixed Jumbo
6.50%
0.000
6.516%
15 years
DetailsConventional Fannie Mae Mortgage Product; Origination Fee or Lender Credit: 0.000%; Rates stated for loan amounts over $100,000, 780+ credit score, LTV 80% or less, 60-day rate lock
Last Updated10/28/2026
Rate History
No change since Oct 28, 2026 · 6.52% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.70%
EXPRESS Refi Mortgage - 15-Year Fixed Rate Jumbo
6.50%
-
6.521%
15-Year
DetailsJumbo; Origination Fee or Lender Credit: 0.000%
Last Updated10/28/2026
Rate History
2 changes since Oct 8, 2026 · 6.65% → 6.52% ▼ 0.13 pts · high 6.77% / low 6.52%
Oct 23, 20266.52%▼ from 6.77%
Oct 12, 20266.77%▲ from 6.65%
Oct 8, 20266.65%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.70%
Fixed-Rate Mortgage - 15-Year Fixed
6.50%
0.000
6.561%
15 years
DetailsConventional Fannie Mae Mortgage Product; Origination Fee or Lender Credit: 0.000%; Rates stated for loan amounts over $100,000, 780+ credit score, LTV 80% or less, 60-day rate lock
Last Updated10/28/2026
Rate History
No change since Oct 28, 2026 · 6.56% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.70%
7/30 ARM Jumbo
6.625%
0.000
6.575%
DetailsAdjustable-Rate Mortgage; Conventional Fannie Mae Mortgage Product; Origination Fee or Lender Credit: 0.000%; Rates stated for loan amounts over $100,000, 780+ credit score, LTV 80% or less, 60-day rate lock
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 6.58% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.70%
EXPRESS Refi Mortgage - 7/30 ARM Jumbo
6.625%
-
6.578%
7/30
DetailsJumbo; Adjustable-rate mortgage; Origination Fee or Lender Credit: 0.000%
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 6.58% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.70%
EXPRESS Refi Mortgage - 7/30 ARM Jumbo
6.625%
0.000%
6.578%
30 years
DetailsJumbo; Adjustable rate mortgage; Origination Fee or Lender Credit: 0.000%
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 6.58% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.70%
EXPRESS Refi Mortgage - 15-Year Fixed Rate
6.50%
-
6.579%
15-Year
DetailsOrigination Fee or Lender Credit: 0.000%
Last Updated10/28/2026
Rate History
2 changes since Oct 8, 2026 · 6.70% → 6.58% ▼ 0.13 pts · high 6.83% / low 6.58%
Oct 23, 20266.58%▼ from 6.83%
Oct 12, 20266.83%▲ from 6.70%
Oct 8, 20266.70%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.70%
Fixed-Rate Mortgage - 10-Year Fixed
6.50%
0.000
6.586%
10 years
DetailsConventional Fannie Mae Mortgage Product; Origination Fee or Lender Credit: 0.000%; Rates stated for loan amounts over $100,000, 780+ credit score, LTV 80% or less, 60-day rate lock
Last Updated10/28/2026
Rate History
No change since Oct 28, 2026 · 6.59% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.70%
7/30 ARM
6.625%
0.000
6.602%
DetailsAdjustable-Rate Mortgage; Conventional Fannie Mae Mortgage Product; Origination Fee or Lender Credit: 0.000%; Rates stated for loan amounts over $100,000, 780+ credit score, LTV 80% or less, 60-day rate lock
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 6.60% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.70%
EXPRESS Refi Mortgage - 10-Year Fixed Rate
6.50%
-
6.611%
10-Year
DetailsOrigination Fee or Lender Credit: 0.000%
Last Updated10/28/2026
Rate History
2 changes since Oct 8, 2026 · 6.74% → 6.61% ▼ 0.13 pts · high 6.86% / low 6.61%
Oct 23, 20266.61%▼ from 6.86%
Oct 12, 20266.86%▲ from 6.74%
Oct 8, 20266.74%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.70%
EXPRESS Refi Mortgage - 7/30 ARM
6.625%
-
6.613%
7/30
DetailsAdjustable-rate mortgage; Origination Fee or Lender Credit: 0.000%
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 6.61% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.70%
EXPRESS Refi Mortgage - 7/30 ARM
6.625%
0.000%
6.613%
30 years
DetailsAdjustable rate mortgage; Origination Fee or Lender Credit: 0.000%
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 6.61% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.70%
Fixed-Rate Mortgage - 20-Year Fixed
6.975%
-0.032
7.00%
20 years
DetailsConventional Fannie Mae Mortgage Product; Origination Fee or Lender Credit: -0.032% (lender credit); Rates stated for loan amounts over $100,000, 780+ credit score, LTV 80% or less, 60-day rate lock
Last Updated10/28/2026
Rate History
No change since Oct 28, 2026 · 7.00% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.70%
Fixed-Rate Mortgage - 30-Year Fixed
7.375%
-0.029
7.414%
30 years
DetailsConventional Fannie Mae Mortgage Product; Origination Fee or Lender Credit: -0.029% (lender credit); Rates stated for loan amounts over $100,000, 780+ credit score, LTV 80% or less, 60-day rate lock
Last Updated10/28/2026
Rate History
No change since Oct 28, 2026 · 7.41% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.70%
15-Year Fixed Rate Non-Owner Occupied
7.625%
-
7.721%
15 years
DetailsOrigination Fee or Lender Credit: 0.153%; Rates effective as of October 29, 2026
Last Updated10/28/2026
Rate History
6 changes since Sep 16, 2026 · 7.70% → 7.72% ▲ 0.03 pts · high 7.75% / low 7.68%
Oct 28, 20267.72%▼ from 7.75%
Oct 12, 20267.75%▲ from 7.72%
Oct 8, 20267.72%▲ from 7.68%
Oct 4, 20267.68%▼ from 7.69%
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.70%
30-Year Fixed Rate Non-Owner Occupied
8.00%
-
8.046%
30 years
DetailsOrigination Fee or Lender Credit: -0.137%; Rates effective as of October 29, 2026
Last Updated10/28/2026
Rate History
6 changes since Sep 16, 2026 · 7.42% → 8.05% ▲ 0.63 pts · high 8.31% / low 7.42%
Oct 28, 20268.05%▼ from 8.17%
Oct 12, 20268.17%▲ from 8.05%
Oct 8, 20268.05%▼ from 8.31%
Oct 4, 20268.31%▲ from 8.30%
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.70%
Police And Fire Federal Credit Union Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
Home Equity Line of Credit
-
-
6.00%
DetailsLoan to Value: Up to 80%; Margin: -0.75%; Intro APR 4.99% held through December 31, 2027; 0.25% discount with automatic payment from an active PFFCU Checking or Savings Account
Last Updated10/28/2026
Rate History
1 change since Sep 16, 2026 · 6.50% → 6.00% ▼ 0.50 pts · high 6.50% / low 6.00%
Oct 2, 20266.00%▼ from 6.50%
Sep 16, 20266.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.70%
Home Equity Lines of Credit (HELOCs)
-
-
6.00%
DetailsLoan to Value: Up to 80%; Margin: -0.75%; Variable rate of Prime Rate minus a margin; Intro APR: 4.99% held through December 31, 2027
Last Updated10/28/2026
Rate History
No change since Oct 15, 2026 · 6.00% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.70%
Home Equity Loan (Second Mortgage) - 10 Years
-
-
6.49%
10 Years
DetailsLTV: Up to 80%; Loan Amount: $50,000 - $600,000
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 6.49% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.70%
Home Equity Loan - 10 Year
-
-
6.49%
10 Years
DetailsLTV: Up to 80%; Loan Amount: $50,000 - $600,000
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 6.49% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.70%
Home Equity Line of Credit
-
-
6.50%
DetailsLoan to Value: Up to 80%; Margin: -0.25%; Intro APR 4.99% held through December 31, 2027; 0.25% discount with automatic payment from an active PFFCU Checking or Savings Account
Last Updated10/28/2026
Rate History
2 changes since Sep 16, 2026 · 6.50% → 6.50% ▼ 0.00 pts · high 6.50% / low 6.00%
Oct 15, 20266.50%▲ from 6.00%
Oct 2, 20266.00%▼ from 6.50%
Sep 16, 20266.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.70%
Home Equity Lines of Credit (HELOCs)
-
-
6.50%
DetailsLoan to Value: Up to 80%; Margin: -0.25%; Variable rate of Prime Rate minus a margin; Intro APR: 4.99% held through December 31, 2027
Last Updated10/28/2026
Rate History
No change since Oct 15, 2026 · 6.50% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.70%
Home Equity Loan (Second Mortgage) - 15 Years
-
-
6.74%
15 Years
DetailsLTV: Up to 80%; Loan Amount: $50,000 - $600,000
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 6.74% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.70%
Home Equity Loan - 15 Year
-
-
6.74%
15 Years
DetailsLTV: Up to 80%; Loan Amount: $50,000 - $600,000
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 6.74% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.70%
Home Equity Loan (Second Mortgage) - 10 Years
-
-
6.99%
10 Years
DetailsLTV: Up to 80%; Loan Amount: $25,000 - $49,999
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 6.99% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.70%
Home Equity Loan - 10 Year
-
-
6.99%
10 Years
DetailsLTV: Up to 80%; Loan Amount: $25,000 - $49,999
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 6.99% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.70%
Home Equity Loan (Second Mortgage) - 15 Years
-
-
7.24%
15 Years
DetailsLTV: Up to 80%; Loan Amount: $25,000 - $49,999
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 7.24% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.70%
Home Equity Loan - 15 Year
-
-
7.24%
15 Years
DetailsLTV: Up to 80%; Loan Amount: $25,000 - $49,999
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 7.24% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.70%
Home Equity Loan (Second Mortgage) - 10 Years
-
-
8.49%
10 Years
DetailsLTV: 80.01% to 100%; Loan Amount: $50,000 - $100,000
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 8.49% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.70%
Home Equity Loan - 10 Year
-
-
8.49%
10 Years
DetailsLTV: 80.01% to 100%; Loan Amount: $50,000 - $100,000
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 8.49% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.70%
Home Equity Loan (Second Mortgage) - 15 Years
-
-
8.74%
15 Years
DetailsLTV: 80.01% to 100%; Loan Amount: $50,000 - $100,000
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 8.74% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.70%
Home Equity Loan - 15 Year
-
-
8.74%
15 Years
DetailsLTV: 80.01% to 100%; Loan Amount: $50,000 - $100,000
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 8.74% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.70%
Home Equity Loan (Second Mortgage) - 10 Years
-
-
8.99%
10 Years
DetailsLTV: 80.01% to 100%; Loan Amount: $25,000 - $49,999
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 8.99% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.70%
Home Equity Loan - 10 Year
-
-
8.99%
10 Years
DetailsLTV: 80.01% to 100%; Loan Amount: $25,000 - $49,999
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 8.99% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.70%
Home Equity Loan (Second Mortgage) - 15 Years
-
-
9.24%
15 Years
DetailsLTV: 80.01% to 100%; Loan Amount: $25,000 - $49,999
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 9.24% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.70%
Home Equity Loan - 15 Year
-
-
9.24%
15 Years
DetailsLTV: 80.01% to 100%; Loan Amount: $25,000 - $49,999
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 9.24% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.70%
Non-Owner-Occupied Home Equity Loan
-
-
9.24%
15 Years
DetailsLTV: Up to 65%; Loan Amount: $50,000 - $200,000; Monthly Payment per $1,000: $10.29
Last Updated10/28/2026
Rate History
No change since Oct 12, 2026 · 9.24% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.70%
Non-Owner-Occupied Home Equity Loan
-
-
9.99%
15 Years
DetailsLTV: Up to 65%; Loan Amount: $50,000 - $200,000; Monthly Payment per $1,000: $10.74
Last Updated10/28/2026
Rate History
1 change since Oct 12, 2026 · 9.24% → 9.99% ▲ 0.75 pts · high 9.99% / low 9.24%
Oct 15, 20269.99%▲ from 9.24%
Oct 12, 20269.24%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.70%
Police And Fire Federal Credit Union Auto Loan Rates
Product
Rate
Points
APR
Term
View More
2027, 2026, and 2025 Model Vehicles Loan
-
-
5.79%
63 months
DetailsModel Years: 2027, 2026, 2025; Minimum $7,500; APR option 1 of 4 for this term; Monthly Payment per $1,000 not captured
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 5.79% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.70%
Auto Loan - All Model Vehicles (2027, 2026, 2025 Models)
-
-
5.79%
63 months
DetailsModel Year: 2027, 2026, 2025; Minimum loan $7,500; Rate option 1 of 4 for 63 months; APR depends on credit score, loan term and model year
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 5.79% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.70%
2027, 2026, and 2025 Model Vehicles Loan
-
-
6.04%
63 months
DetailsModel Years: 2027, 2026, 2025; Minimum $7,500; APR option 2 of 4 for this term; Monthly Payment per $1,000 not captured
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 6.04% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.70%
2027, 2026, and 2025 Model Vehicles Loan
-
-
6.04%
72 months
DetailsMinimum $10,000; APR option 1 of 4 for 72 months
Last Updated10/28/2026
Rate History
No change since Oct 15, 2026 · 6.04% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.70%
Auto Loan - 2024, 2023, and 2022 Model Vehicles
-
-
6.04%
63 months
DetailsAdditional APR listed for this product: 6.29%, 7.29%, 8.29%. Minimum loan amount $7,500; APR depends on credit score and model year
Last Updated10/28/2026
Rate History
No change since Oct 15, 2026 · 6.04% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.70%
Auto Loan - 2027, 2026, and 2025 Model Vehicles
-
-
6.04%
72 months
DetailsAdditional APR listed for this product: 6.29%, 7.29%, 8.29%. Model Year: 2027, 2026, 2025; Minimum loan $10,000; Credit score tier not labeled in source; Automatic payment discount may apply
Last Updated10/28/2026
Rate History
No change since Oct 12, 2026 · 6.04% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.70%
Auto Loan - All Model Vehicles (2027, 2026, 2025 Models)
-
-
6.04%
63 months
DetailsModel Year: 2027, 2026, 2025; Minimum loan $7,500; Rate option 2 of 4 for 63 months; APR depends on credit score, loan term and model year
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 6.04% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.70%
2024, 2023, and 2022 Model Vehicles Loan
-
-
6.29%
72 months
DetailsAdditional APR listed for this product: 6.54%, 7.54%, 8.54%. Minimum $10,000
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 6.29% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.70%
2027, 2026, and 2025 Model Vehicles Loan
-
-
6.29%
72 months
DetailsMinimum $10,000; APR option 2 of 4 for 72 months
Last Updated10/28/2026
Rate History
1 change since Oct 15, 2026 · 6.04% → 6.29% ▲ 0.25 pts · high 6.29% / low 6.04%
Oct 23, 20266.29%▲ from 6.04%
Oct 15, 20266.04%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.70%
Auto Loan - 2024, 2023, and 2022 Model Vehicles
-
-
6.29%
72 months
DetailsMinimum loan $10,000; Payment per $1,000: $16.71; APR option 1 of 4 in this row (credit tier not shown in source)
Last Updated10/28/2026
Rate History
No change since Oct 12, 2026 · 6.29% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.70%
Auto Loan - 2027, 2026, and 2025 Model Vehicles
-
-
6.29%
75 months
DetailsMinimum loan $12,500; APR option 1 of 3 (credit-score tier not labeled in source); Financing up to 120% LTV available for Tier A+, Tier 1, and Tier 2 credit scores; APR effective as of October 22, 2026
Last Updated10/28/2026
Rate History
No change since Oct 12, 2026 · 6.29% APR · checked 4 times
No change since Oct 23, 2026 · 6.54% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.70%
2021, 2020, and 2019 Model Vehicles Loan
-
-
6.54%
63 months
DetailsAdditional APR listed for this product: 6.79%, 7.79%, 8.79%. Minimum loan $7,500; APR varies by credit score tier (tier not labeled in table)
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 6.54% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.70%
2024, 2023, and 2022 Model Vehicles Loan
-
-
6.54%
75 months
DetailsAuto Loans; Minimum $12,500; Monthly payment per $1,000: $16.28; APR tier 1 of 3 in this term row (credit tier label not shown in source)
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 6.54% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.70%
2027, 2026, and 2025 Model Vehicles Loan
-
-
6.54%
84 months
DetailsMinimum $15,000; Monthly Payment per $1,000: $14.87
Last Updated10/28/2026
Rate History
No change since Oct 15, 2026 · 6.54% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.70%
Auto Loan - 2024, 2023, and 2022 Model Vehicles
-
-
6.54%
72 months
DetailsMinimum loan $10,000; Payment per $1,000: $16.83; APR option 2 of 4 in this row (credit tier not shown in source)
Last Updated10/28/2026
Rate History
1 change since Oct 12, 2026 · 6.29% → 6.54% ▲ 0.25 pts · high 6.54% / low 6.29%
Oct 15, 20266.54%▲ from 6.29%
Oct 12, 20266.29%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.70%
Auto Loan - 2024, 2023, and 2022 Model Vehicles
-
-
6.54%
75 months
DetailsModel Year: 2024, 2023, 2022; Minimum loan $12,500; Rate option 1 of 3 for 75 months
Last Updated10/28/2026
Rate History
No change since Oct 12, 2026 · 6.54% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.70%
Auto Loan - 2027, 2026, and 2025 Model Vehicles
-
-
6.54%
75 months
DetailsMinimum loan $12,500; APR option 2 of 3 (credit-score tier not labeled in source); Financing up to 120% LTV available for Tier A+, Tier 1, and Tier 2 credit scores; APR effective as of October 22, 2026
Last Updated10/28/2026
Rate History
1 change since Oct 12, 2026 · 6.29% → 6.54% ▲ 0.25 pts · high 6.54% / low 6.29%
Oct 15, 20266.54%▲ from 6.29%
Oct 12, 20266.29%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.70%
Auto Loan - 2027, 2026, and 2025 Model Vehicles
-
-
6.54%
84 months
DetailsMinimum $15,000; APR option 1 of 3 for 84 months; APR depends on credit score at time of application; Financing up to 120% LTV available for Tier A+, Tier 1, and Tier 2 credit scores
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 6.54% APR · checked 2 times
No change since Oct 23, 2026 · 6.79% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.70%
2021, 2020, and 2019 Model Vehicles Loan
-
-
6.79%
72 months
DetailsMinimum loan $10,000 for 64-72 month terms; Monthly payment per $1,000 $16.95 (not a rate); Auto loan; APR tier 1 of 3
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 6.79% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.70%
2024, 2023, and 2022 Model Vehicles Loan
-
-
6.79%
75 months
DetailsAuto Loans; Minimum $12,500; Monthly payment per $1,000: $16.40; APR tier 2 of 3 in this term row (credit tier label not shown in source)
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 6.79% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.70%
2027, 2026, and 2025 Model Vehicles Loan
-
-
6.79%
84 months
DetailsMinimum $15,000; Monthly Payment per $1,000: $14.99
Last Updated10/28/2026
Rate History
1 change since Oct 15, 2026 · 6.54% → 6.79% ▲ 0.25 pts · high 6.79% / low 6.54%
Oct 23, 20266.79%▲ from 6.54%
Oct 15, 20266.54%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.70%
Auto Loan - 2024, 2023, and 2022 Model Vehicles
-
-
6.79%
75 months
DetailsModel Year: 2024, 2023, 2022; Minimum loan $12,500; Rate option 2 of 3 for 75 months
Last Updated10/28/2026
Rate History
1 change since Oct 12, 2026 · 6.54% → 6.79% ▲ 0.25 pts · high 6.79% / low 6.54%
Oct 23, 20266.79%▲ from 6.54%
Oct 12, 20266.54%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.70%
Auto Loan - 2027, 2026, and 2025 Model Vehicles
-
-
6.79%
84 months
DetailsMinimum $15,000; APR option 2 of 3 for 84 months; APR depends on credit score at time of application; Financing up to 120% LTV available for Tier A+, Tier 1, and Tier 2 credit scores
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 6.79% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.70%
2021, 2020, and 2019 Model Vehicles Loan
-
-
7.04%
72 months
DetailsMinimum loan $10,000 for 64-72 month terms; Monthly payment per $1,000 $17.07 (not a rate); Auto loan; APR tier 2 of 3
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 7.04% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.70%
2027, 2026, and 2025 Model Vehicles Loan
-
-
7.04%
63 months
DetailsModel Years: 2027, 2026, 2025; Minimum $7,500; APR option 3 of 4 for this term; Monthly Payment per $1,000 not captured
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 7.04% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.70%
Auto Loan - All Model Vehicles (2027, 2026, 2025 Models)
-
-
7.04%
63 months
DetailsModel Year: 2027, 2026, 2025; Minimum loan $7,500; Rate option 3 of 4 for 63 months; APR depends on credit score, loan term and model year
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 7.04% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.70%
2027, 2026, and 2025 Model Vehicles Loan
-
-
7.29%
72 months
DetailsMinimum $10,000; APR option 3 of 4 for 72 months
Last Updated10/28/2026
Rate History
1 change since Oct 15, 2026 · 6.04% → 7.29% ▲ 1.25 pts · high 7.29% / low 6.04%
Oct 23, 20267.29%▲ from 6.04%
Oct 15, 20266.04%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.70%
Auto Loan - 2024, 2023, and 2022 Model Vehicles
-
-
7.54%
72 months
DetailsMinimum loan $10,000; Payment per $1,000: $17.31; APR option 3 of 4 in this row (credit tier not shown in source)
Last Updated10/28/2026
Rate History
1 change since Oct 12, 2026 · 6.29% → 7.54% ▲ 1.25 pts · high 7.54% / low 6.29%
Oct 15, 20267.54%▲ from 6.29%
Oct 12, 20266.29%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.70%
Auto Loan - 2027, 2026, and 2025 Model Vehicles
-
-
7.54%
75 months
DetailsMinimum loan $12,500; APR option 3 of 3 (credit-score tier not labeled in source); Financing up to 120% LTV available for Tier A+, Tier 1, and Tier 2 credit scores; APR effective as of October 22, 2026
Last Updated10/28/2026
Rate History
1 change since Oct 12, 2026 · 6.29% → 7.54% ▲ 1.25 pts · high 7.54% / low 6.29%
No change since Oct 23, 2026 · 7.79% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.70%
2024, 2023, and 2022 Model Vehicles Loan
-
-
7.79%
75 months
DetailsAuto Loans; Minimum $12,500; Monthly payment per $1,000: $16.88; APR tier 3 of 3 in this term row (credit tier label not shown in source)
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 7.79% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.70%
2027, 2026, and 2025 Model Vehicles Loan
-
-
7.79%
84 months
DetailsMinimum $15,000; Monthly Payment per $1,000: $15.48
Last Updated10/28/2026
Rate History
1 change since Oct 15, 2026 · 6.54% → 7.79% ▲ 1.25 pts · high 7.79% / low 6.54%
Oct 23, 20267.79%▲ from 6.54%
Oct 15, 20266.54%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.70%
Auto Loan - 2024, 2023, and 2022 Model Vehicles
-
-
7.79%
75 months
DetailsModel Year: 2024, 2023, 2022; Minimum loan $12,500; Rate option 3 of 3 for 75 months
Last Updated10/28/2026
Rate History
1 change since Oct 12, 2026 · 6.54% → 7.79% ▲ 1.25 pts · high 7.79% / low 6.54%
Oct 23, 20267.79%▲ from 6.54%
Oct 12, 20266.54%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.70%
Auto Loan - 2027, 2026, and 2025 Model Vehicles
-
-
7.79%
84 months
DetailsMinimum $15,000; APR option 3 of 3 for 84 months; APR depends on credit score at time of application; Financing up to 120% LTV available for Tier A+, Tier 1, and Tier 2 credit scores
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 7.79% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.70%
2021, 2020, and 2019 Model Vehicles Loan
-
-
8.04%
72 months
DetailsMinimum loan $10,000 for 64-72 month terms; Monthly payment per $1,000 $17.55 (not a rate); Auto loan; APR tier 3 of 3
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 8.04% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.70%
2027, 2026, and 2025 Model Vehicles Loan
-
-
8.04%
63 months
DetailsModel Years: 2027, 2026, 2025; Minimum $7,500; APR option 4 of 4 for this term; Monthly Payment per $1,000 not captured
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 8.04% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.70%
Auto Loan - All Model Vehicles (2027, 2026, 2025 Models)
-
-
8.04%
63 months
DetailsModel Year: 2027, 2026, 2025; Minimum loan $7,500; Rate option 4 of 4 for 63 months; APR depends on credit score, loan term and model year
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 8.04% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.70%
2027, 2026, and 2025 Model Vehicles Loan
-
-
8.29%
72 months
DetailsMinimum $10,000; APR option 4 of 4 for 72 months
Last Updated10/28/2026
Rate History
1 change since Oct 15, 2026 · 6.04% → 8.29% ▲ 2.25 pts · high 8.29% / low 6.04%
Oct 23, 20268.29%▲ from 6.04%
Oct 15, 20266.04%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.70%
Auto Loan - 2024, 2023, and 2022 Model Vehicles
-
-
8.54%
72 months
DetailsMinimum loan $10,000; Payment per $1,000: $17.80; APR option 4 of 4 in this row (credit tier not shown in source)
Last Updated10/28/2026
Rate History
1 change since Oct 12, 2026 · 6.29% → 8.54% ▲ 2.25 pts · high 8.54% / low 6.29%
No change since Oct 23, 2026 · 8.79% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.70%
Police And Fire Federal Credit Union Credit Card Rates
Product
Rate
APR
View More
Credit Card
-
12.65%
DetailsVariable APR: Prime + 5.9%; Intro 0% APR for twelve (12) months after account opening; Monthly payment is 2.50% of outstanding balance with a minimum of $10
Last Updated10/28/2026
Rate History
No change since Sep 25, 2026 · 12.65% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.70%
Credit Card
-
16.65%
DetailsVariable APR: Prime + 9.9%; Intro 0% APR for twelve (12) months after account opening; Monthly payment is 2.50% of outstanding balance with a minimum of $10
Last Updated10/28/2026
Rate History
No change since Sep 25, 2026 · 16.65% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.70%
Credit Card
-
18.00%
DetailsVariable APR: Prime + 14.65%; Intro 0% APR for twelve (12) months after account opening; Monthly payment is 2.50% of outstanding balance with a minimum of $10
Last Updated10/28/2026
Rate History
No change since Sep 25, 2026 · 18.00% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.70%
Police And Fire Federal Credit Union Personal Loan Rates
Product
APR
Term
View More
Signature Loan
9.99%
DetailsAdditional APR listed for this product: 13.99%, 18.00%. Rates effective as of October 22, 2026; 0.50% discount with automatic payment from an active PFFCU Checking or Savings Account or payroll distribution; 72-month Signature Loan has a $10,000 minimum loan
Last Updated10/28/2026
Rate History
No change since Oct 15, 2026 · 9.99% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.70%
Personal Line of Credit
11.65%
DetailsVariable APR: Prime + 4.9%; Minimum Rate: 8.9%; Monthly payment 2.25% of line with minimum $25; 0.50% discount with automatic payment from PFFCU checking/savings or payroll distribution; 5-year draw period, then repay over 15 years
Last Updated10/28/2026
Rate History
No change since Sep 16, 2026 · 11.65% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.70%
Personal Line of Credit
15.65%
DetailsVariable APR: Prime + 8.9%; Minimum Rate: 12.9%; Monthly payment 2.25% of line with minimum $25; 0.50% discount with automatic payment from PFFCU checking/savings or payroll distribution; 5-year draw period, then repay over 15 years
Last Updated10/28/2026
Rate History
No change since Sep 16, 2026 · 15.65% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.70%
Personal Line of Credit
18.00%
DetailsVariable APR: Prime + 12.9%; Minimum Rate: 17.9%; Monthly payment 2.25% of line with minimum $25; 0.50% discount with automatic payment from PFFCU checking/savings or payroll distribution; 5-year draw period, then repay over 15 years
Last Updated10/28/2026
Rate History
No change since Sep 16, 2026 · 18.00% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.70%
Police And Fire Federal Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
Pledge Loan
-
-
4.99%
84 months
DetailsPersonal Loans; APR as printed in the Pledge Loan table; the Pledge Loan is based on a term of 84 months per disclosure
Last Updated10/28/2026
Rate History
1 change since Oct 4, 2026 · 6.50% → 4.99% ▼ 1.51 pts · high 6.50% / low 4.99%
Oct 12, 20264.99%▼ from 6.50%
Oct 4, 20266.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.70%
Premium Yield Account (S25)
2.716%
-
2.75%
Min Balance$2,500
DetailsBalance: $2,500 - $49,999
Last Updated10/28/2026
Rate History
1 change since Sep 25, 2026 · 2.50% → 2.75% ▲ 0.25 pts · high 2.75% / low 2.50%
Oct 4, 20262.75%▲ from 2.50%
Sep 25, 20262.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.70%
Premium Yield Account (S25)
2.96%
-
3.00%
Min Balance$50,000
DetailsBalance: $50,000 and over
Last Updated10/28/2026
Rate History
1 change since Sep 25, 2026 · 2.75% → 3.00% ▲ 0.25 pts · high 3.00% / low 2.75%
Oct 4, 20263.00%▲ from 2.75%
Sep 25, 20262.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.70%
Financial Health History
Police And Fire Federal Credit Union’s Texas Ratio stayed near 0.60% in Q3 2023 to 0.70% in Q2 2026, so its financial health has stayed 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.
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
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
$10.2B
0.70%
5.0
A+
March 31, 2026
$10.2B
0.49%
5.0
A+
December 31, 2025
$10.0B
0.73%
5.0
A+
September 30, 2025
$9.8B
0.61%
5.0
A+
June 30, 2025
$9.8B
0.67%
5.0
A+
March 31, 2025
$9.7B
0.50%
5.0
A+
December 31, 2024
$9.5B
0.65%
5.0
A+
September 30, 2024
$9.3B
0.72%
5.0
A+
June 30, 2024
$9.2B
0.83%
5.0
A+
March 31, 2024
$9.0B
0.67%
5.0
A+
December 31, 2023
$8.8B
0.59%
5.0
A+
September 30, 2023
$8.6B
0.60%
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 Police And Fire 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 Police And Fire 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 Police And Fire Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union NamePolice And Fire Federal Credit Union
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
756,613,398
Total Uninsured Shares and Deposits > $250K (F+J)
756,613,398
Total Insured Shares and Deposits > $250K (item 17 less item K)
7,515,542,894
Total Interest Expense (Sum of items 6 8)
90,561,093
Share Certificates
31,071
Number of Accounts for Share Drafts
370,350
IRA KEOGH Accounts
37,306
Number of Accounts for Regular Shares
547,657
All other shares
139,445
Money Market Shares
280,935
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)
3,168,974,717
Total Liabilities
8,337,689,830
Source: NCUA — Last Updated 06/30/2026
2026 MBR Health & Safety Badge
Police And Fire 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.
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, and this profile page always shows the latest results, so the code never needs to change.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
There are no reviews for Police And Fire Federal Credit Union yet. Feel free to create one below.
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Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for Police And Fire Federal Credit Union
Frequently Asked Questions About Police And Fire Federal Credit Union
Does Police And Fire Federal Credit Union offer CDs?
Yes. Police And Fire Federal Credit Union current CD rates include its CD - 5 Year at 3.30% APY, its CD - 4 Year at 3.25% APY and its CD - 3 Year at 3.20% APY, verified by MonitorBankRates as of October 28, 2026.
Are CDs from Police And Fire Federal Credit Union NCUA insured?
Yes. Police And Fire Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.
What is the highest CD rate at Police And Fire Federal Credit Union?
The highest Police And Fire Federal Credit Union CD rate is its 5 Year Jumbo CDs at 3.55% APY, verified by MonitorBankRates as of October 28, 2026.
What CD terms does Police And Fire Federal Credit Union offer?
Police And Fire Federal Credit Union CD rates are 2.95% APY for a 12 month CD, 3.05% APY for an 18 month CD, 3.10% APY for a 2 year CD, 3.15% APY for a 30 month CD, 3.20% APY for a 3 year CD, 3.25% APY for a 4 year CD and 3.30% APY for a 5 year CD, verified by MonitorBankRates as of October 28, 2026. The institution may offer other terms or specials that are not listed here, so check with Police And Fire Federal Credit Union for its full lineup.
What is the highest savings rate at Police And Fire Federal Credit Union?
The highest Police And Fire Federal Credit Union savings rate is its Education Savings Account (S18) at 1.00% APY, verified by MonitorBankRates as of October 28, 2026.
What is the highest money market rate at Police And Fire Federal Credit Union?
The highest Police And Fire Federal Credit Union money market rate is its IRA Money Market-Traditional and Roth (S6/S12) at 3.00% APY, verified by MonitorBankRates as of October 28, 2026.
What is the highest checking rate at Police And Fire Federal Credit Union?
The highest Police And Fire Federal Credit Union checking rate is its Free PFFCU Checking Account at 0.25% APY, verified by MonitorBankRates as of October 28, 2026.
What is the lowest 30 year fixed mortgage rate at Police And Fire Federal Credit Union?
The lowest Police And Fire Federal Credit Union 30 year fixed mortgage rate is its Fixed-Rate Mortgage - 30-Year Fixed at 7.375%, verified by MonitorBankRates as of October 28, 2026. Police And Fire Federal Credit Union mortgage rates are 7.375% for a 30 year mortgage, 6.975% for a 20 year mortgage, 6.50% for a 15 year mortgage, 6.50% for a 10 year mortgage, 6.375% for a 5/30 ARM and 6.625% for a 7/30 ARM.
What is the lowest auto loan rate at Police And Fire Federal Credit Union?
The lowest Police And Fire Federal Credit Union auto loan rate is its 2027, 2026, and 2025 Model Vehicles Loan at 5.79% APR, verified by MonitorBankRates as of October 28, 2026.
What is the lowest personal loan rate at Police And Fire Federal Credit Union?
The lowest Police And Fire Federal Credit Union personal loan rate is its Signature Loan at 9.99% APR, verified by MonitorBankRates as of October 28, 2026.
What is the lowest credit card APR at Police And Fire Federal Credit Union?
The lowest Police And Fire Federal Credit Union credit card APR is its Credit Card at 12.65% APR, verified by MonitorBankRates as of October 28, 2026.
How many branches does Police And Fire Federal Credit Union operate?
Police And Fire 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 Police And Fire Federal Credit Union?
Yes, to access services at Police And Fire 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, Police And Fire 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, Police And Fire Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.
Does Police And Fire Federal Credit Union offer online and mobile banking?
Most modern institutions like Police And Fire 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.pffcu.org.
Are all CD rates listed on MonitorBankRates federally insured?
Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.
I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?
You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.
If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?
Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.
Why are some CD offers not available for me to open?
Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.
How do Police And Fire Federal Credit Union rates compare?
Police And Fire Federal Credit Union's CD rates are 11% higher than the MonitorBankRates national average, and it has an A+ health rating. Police And Fire Federal Credit Union's top rates are its 5 Year Jumbo CDs at 3.55% APY, its Education Savings Account (S18) at 1.00% APY, its IRA Money Market-Traditional and Roth (S6/S12) at 3.00% APY, its Free PFFCU Checking Account at 0.25% APY, its 5/30 ARM at 6.375%, its Signature Loan at 9.99% APR and its Credit Card at 12.65% APR, verified by MonitorBankRates on October 28, 2026.
Current Police And Fire Federal Credit Union Rates
12-Month CD2.95%
18-Month CD3.05%
24-Month CD3.10%
60-Month CD3.30%
Savings1.00%
MMA3.00%
Retrieved from our database of financial products. Rates subject to change.