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Popa 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 29, 2026
Popa Federal Credit Union's 18 Month CDs rates are at 4.05%, Promotional CD - 11 month rates are at 4.00%, 12 Month CDs rates are at 3.70%, 6 Month CDs rates are at 2.90%, 24 Month Roth & Traditional IRA CDs rates are at 4.05%. Popa Federal Credit Union's savings rates are at 0.95%. Popa Federal Credit Union's Conventional Fixed - 15 Year Fixed Rate rates are at 6.25%, Conventional Fixed - 30 Year Fixed Rate rates are at 6.99%, Conventional Fixed - 30 Year Fixed - Investment Property rates are at 7.50%, High Balance - 15 Year Fixed Rate rates are at 7.50%, High Balance - 30 Year Fixed Rate rates are at 7.62%. Popa Federal Credit Union's Personal Loan Rates are as low as 12.49%. Popa Federal Credit Union's Credit Card Rates are at 11.75%. Popa Federal Credit Union's CD rates are 30% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Popa Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.71%. Rates last updated and verified on 10/29/2026.
Popa 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 Popa Federal Credit Union? Share your experience about Popa Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Popa Federal Credit Union.
Popa Federal Credit Union has earned an overall safety grade of A+ (Exceptional, Score: 98/100).
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
Popa 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
?
3.71%
ExcellentLower than avg
Popa Federal Credit Union Texas Ratio
Popa Federal Credit Union's Texas Ratio is 3.71%, which is considered excellent and is lower than the national average of 6.13%.
Popa 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.
3.70% to 3.71% 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.
Popa Federal Credit Union CD Rates
Product
Rate
APY
Term
View More
18 Month Share Certificates
3.977%
4.05%
18 Months
Min Balance$200,000
DetailsBalance: $200,000.00 and over
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.71%
24 Month Roth & Traditional IRA Share Certificates
3.977%
4.05%
24 Months
Min Balance$200,000
DetailsBalance: $200,000.00 and over
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 4.05% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.71%
36 Month Roth & Traditional IRA Share Certificates
3.977%
4.05%
36 Months
Min Balance$200,000
DetailsBalance: $200,000.00 and over
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 4.05% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.71%
18 Month Share Certificates
3.928%
4.00%
18 Months
Min Balance$90,000
DetailsBalance: $90,000.00 - $199,999.99
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.71%
24 Month Roth & Traditional IRA Share Certificates
3.928%
4.00%
24 Months
Min Balance$90,000
DetailsBalance: $90,000.00 - $199,999.99
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 4.00% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.71%
36 Month Roth & Traditional IRA Share Certificates
3.928%
4.00%
36 Months
Min Balance$90,000
DetailsBalance: $90,000.00 - $199,999.99
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 4.00% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.71%
Promotional Share Certificate - 11 month
3.928%
4.00%
11 Months
Min Balance$1,000
DetailsBalance: $1,000 +; Promotional rate effective as of 08/17/2026; limited time offer; membership required; early withdrawals subject to penalties
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.71%
18 Month Share Certificates
3.88%
3.95%
18 Months
Min Balance$50,000
DetailsBalance: $50,000.00 - $89,999.99
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.71%
24 Month Roth & Traditional IRA Share Certificates
3.88%
3.95%
24 Months
Min Balance$50,000
DetailsBalance: $50,000.00 - $89,999.99
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 3.95% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.71%
36 Month Roth & Traditional IRA Share Certificates
3.88%
3.95%
36 Months
Min Balance$50,000
DetailsBalance: $50,000.00 - $89,999.99
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 3.95% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.71%
18 Month Share Certificates
3.832%
3.90%
18 Months
Min Balance$10,000
DetailsBalance: $10,000.00 - $49,999.99
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.71%
24 Month Roth & Traditional IRA Share Certificates
3.832%
3.90%
24 Months
Min Balance$10,000
DetailsBalance: $10,000.00 - $49,999.99
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 3.90% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.71%
36 Month Roth & Traditional IRA Share Certificates
3.832%
3.90%
36 Months
Min Balance$10,000
DetailsBalance: $10,000.00 - $49,999.99
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 3.90% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.71%
18 Month Share Certificates
3.784%
3.85%
18 Months
Min Balance$1,000
DetailsBalance: $1,000.00 - $9,999.99
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.71%
24 Month Roth & Traditional IRA Share Certificates
3.784%
3.85%
24 Months
Min Balance$1,000
DetailsBalance: $1,000.00 - $9,999.99
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 3.85% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.71%
36 Month Roth & Traditional IRA Share Certificates
3.784%
3.85%
36 Months
Min Balance$1,000
DetailsBalance: $1,000.00 - $9,999.99
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 3.85% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.71%
12 Month Share Certificates
3.639%
3.70%
12 Months
Min Balance$200,000
DetailsBalance: $200,000.00 and over
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.71%
12 Month Share Certificates
3.59%
3.65%
12 Months
Min Balance$90,000
DetailsBalance: $90,000.00 - $199,999.99
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.71%
12 Month Share Certificates
3.542%
3.60%
12 Months
Min Balance$50,000
DetailsBalance: $50,000.00 - $89,999.99
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.71%
12 Month Share Certificates
3.494%
3.55%
12 Months
Min Balance$10,000
DetailsBalance: $10,000.00 - $49,999.99
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.71%
12 Month Share Certificates
3.445%
3.50%
12 Months
Min Balance$1,000
DetailsBalance: $1,000.00 - $9,999.99
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.71%
6 Month Share Certificates
2.862%
2.90%
6 Months
Min Balance$50,000
DetailsBalance: $50,000.00 and over
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 2.90% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.71%
6 Month Share Certificates
2.765%
2.80%
6 Months
Min Balance$25,000
DetailsBalance: $25,000.00 - $49,999.99
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 2.80% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.71%
6 Month Share Certificates
2.716%
2.75%
6 Months
Min Balance$1,000
DetailsBalance: $1,000.00 - $24,999.99
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.71%
Popa Federal Credit Union Savings Rates
Product
Rate
APY
View More
Money Market Savings
0.946%
0.95%
Min Deposit$50
Min Balance$100,000
DetailsBalance: $100,000 and over; $50.00 minimum deposit to open
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.95% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.71%
Money Market Savings
0.747%
0.75%
Min Deposit$50
Min Balance$50,000
DetailsBalance: $50,000 - $99,999.99; $50.00 minimum deposit to open
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.75% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.71%
Money Market Savings
0.598%
0.60%
Min Deposit$50
Min Balance$25,000
DetailsBalance: $25,000 - $49,999.99; $50.00 minimum deposit to open
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.60% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.71%
IRA Shares
0.499%
0.50%
Min Balance$5
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.71%
Money Market Savings
0.499%
0.50%
Min Deposit$50
Min Balance$10,000
DetailsBalance: $10,000 - $24,999.99; $50.00 minimum deposit to open
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.71%
Money Market Savings
0.349%
0.35%
Min Deposit$50
Min Balance$50
DetailsBalance: $50 - $9,999.99; $50.00 minimum deposit to open; Balances below $50.00 do not earn dividends
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.35% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.71%
Club/Sub-Share Savings
0.05%
0.05%
Min Balance$50
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.71%
K-9 $avers Share Savings
0.05%
0.05%
Min Balance$50
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.71%
Regular Share Savings
0.05%
0.05%
Min Balance$50
DetailsLess than $25k
Last Updated10/29/2026
Rate History
No change since Sep 21, 2026 · 0.05% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.71%
Regular Share Savings
0.05%
0.05%
Min Balance$25,000
DetailsMore than $25k
Last Updated10/29/2026
Rate History
No change since Sep 21, 2026 · 0.05% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.71%
Popa Federal Credit Union Money Market Rates
Product
Rate
APY
View More
Money Market Savings
0.946%
0.95%
Min Deposit$50
Min Balance$100,000
DetailsBalance: $100,000 and over; $50.00 minimum deposit to open
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.95% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.71%
Money Market Savings
0.747%
0.75%
Min Deposit$50
Min Balance$50,000
DetailsBalance: $50,000 - $99,999.99; $50.00 minimum deposit to open
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.75% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.71%
Money Market Savings
0.598%
0.60%
Min Deposit$50
Min Balance$25,000
DetailsBalance: $25,000 - $49,999.99; $50.00 minimum deposit to open
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.60% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.71%
Money Market Savings
0.499%
0.50%
Min Deposit$50
Min Balance$10,000
DetailsBalance: $10,000 - $24,999.99; $50.00 minimum deposit to open
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.71%
Money Market Savings
0.349%
0.35%
Min Deposit$50
Min Balance$50
DetailsBalance: $50 - $9,999.99; $50.00 minimum deposit to open; Balances below $50.00 do not earn dividends
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.35% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.71%
Popa Federal Credit Union Mortgage Rates
Product
Rate
Points
APR
Term
View More
Conventional Fixed - 15 Year Fixed Rate
6.25%
0.000
6.345%
15 Year
DetailsAdditional APR listed for this product: 6.505%. 1st Adj Rate N/A; 1st Adj Payment N/A
Last Updated10/29/2026
Rate History
1 change since Oct 2, 2026 · 6.59% → 6.35% ▼ 0.24 pts · high 6.59% / low 6.35%
Oct 13, 20266.35%▼ from 6.59%
Oct 2, 20266.59%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.71%
Conventional Fixed - 30 Year Fixed Rate
6.99%
1.000
7.154%
30 Year
Details1st Adj Rate N/A; 1st Adj Payment N/A
Last Updated10/29/2026
Rate History
1 change since Oct 2, 2026 · 7.42% → 7.15% ▼ 0.26 pts · high 7.42% / low 7.15%
Oct 29, 20267.15%▼ from 7.42%
Oct 2, 20267.42%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.71%
Conventional Fixed - 30 Year Fixed Rate
7.25%
0.000
7.315%
30 Year
Details1st Adj Rate N/A; 1st Adj Payment N/A
Last Updated10/29/2026
Rate History
1 change since Oct 2, 2026 · 7.44% → 7.32% ▼ 0.13 pts · high 7.44% / low 7.32%
Oct 29, 20267.32%▼ from 7.44%
Oct 2, 20267.44%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.71%
Conventional Fixed - 30 Year Fixed - Investment Property
7.50%
0.000
7.567%
30 Year
Details1st Adj Rate N/A; 1st Adj Payment N/A
Last Updated10/29/2026
Rate History
No change since Oct 2, 2026 · 7.57% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.71%
High Balance - 15 Year Fixed Rate
7.50%
0.000
7.579%
15 Year
Details1st Adj Rate N/A; 1st Adj Payment N/A
Last Updated10/29/2026
Rate History
No change since Oct 2, 2026 · 7.58% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.71%
High Balance - 30 Year Fixed Rate
7.625%
0.000
7.675%
30 Year
DetailsAdditional APR listed for this product: 7.780%. 1st Adj Rate N/A; 1st Adj Payment N/A
Last Updated10/29/2026
Rate History
1 change since Oct 2, 2026 · 8.05% → 7.68% ▼ 0.38 pts · high 8.05% / low 7.68%
Oct 23, 20267.68%▼ from 8.05%
Oct 2, 20268.05%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.71%
Popa Federal Credit Union Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
Home Equity Line of Credit - Variable
-
-
7.00%
Revolving
DetailsAs Low As; Max Amount Financed: up to 80% CLTV; Variable rate based on Prime Rate plus a margin
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75%
Sep 17, 20267.00%▲ from 6.75%
Sep 14, 20266.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.71%
Home Equity Loan - Fixed
-
-
7.00%
1 to 10 years
DetailsAs Low As; Max Amount Financed: up to 80% CLTV
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75%
Sep 17, 20267.00%▲ from 6.75%
Sep 14, 20266.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.71%
Home Equity Loan - Fixed
-
-
8.00%
11 to 20 years
DetailsAs Low As; Max Amount Financed: up to 80% CLTV
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 8.75% → 8.00% ▼ 0.75 pts · high 8.75% / low 8.00%
Sep 17, 20268.00%▼ from 8.75%
Sep 14, 20268.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.71%
Home Equity Loan - Fixed
-
-
8.00%
1 to 10 years
DetailsAs Low As; Max Amount Financed: over 80.01% up to 90.00% CLTV
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 6.75% → 8.00% ▲ 1.25 pts · high 8.00% / low 6.75%
Sep 17, 20268.00%▲ from 6.75%
Sep 14, 20266.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.71%
Home Equity Loan - Fixed
-
-
9.00%
11 to 20 years
DetailsAs Low As; Max Amount Financed: over 80.01% up to 90.00% CLTV
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 8.75% → 9.00% ▲ 0.25 pts · high 9.00% / low 8.75%
Sep 17, 20269.00%▲ from 8.75%
Sep 14, 20268.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.71%
Popa Federal Credit Union Auto Loan Rates
Product
Rate
Points
APR
Term
View More
New Auto
-
-
3.99%
48 Months
DetailsAs Low As; Max Amount Financed: up to 125%
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 13 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.71%
Used Auto
-
-
3.99%
48 Months
DetailsAs Low As; Max Amount Financed: up to 125%
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 13 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.71%
New Auto
-
-
4.49%
60 Months
DetailsAs Low As; Max Amount Financed: up to 125%
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 4.49% APR · checked 13 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.71%
Used Auto
-
-
4.49%
60 Months
DetailsAs Low As; Max Amount Financed: up to 125%
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 4.49% APR · checked 13 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.71%
New Auto
-
-
4.99%
72 Months
DetailsAs Low As; Max Amount Financed: up to 125%
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 13 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.71%
Used Auto
-
-
4.99%
72 Months
DetailsAs Low As; Max Amount Financed: up to 125%
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 13 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.71%
New Auto
-
-
5.49%
84 Months
DetailsAs Low As; Max Amount Financed: up to 125%
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 13 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.71%
New Auto
-
-
6.49%
96 Months
DetailsAs Low As; Max Amount Financed: up to 125%; Not available for Experian FICO scores 649 and below
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 6.49% APR · checked 13 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.71%
Popa Federal Credit Union RV, Boat and Powersport Loan Rates
Product
Rate
APR
Term
View More
Motorcycle Loan - 48 Months
-
5.74%
48 Months
DetailsAs Low As; Max Amount Financed: up to 125%; Dual sport motorcycles qualify under Off-Road/ATV vehicle rates; Rates reflect 0.50% Relationship Benefits discount for qualifying members
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 5.74% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.71%
Motorcycle Loan - 60 Months
-
5.99%
60 Months
DetailsAs Low As; Max Amount Financed: up to 125%; Dual sport motorcycles qualify under Off-Road/ATV vehicle rates; Rates reflect 0.50% Relationship Benefits discount for qualifying members
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 5.99% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.71%
Motorcycle Loan - 72 Months
-
6.49%
72 Months
DetailsAs Low As; Max Amount Financed: up to 125%; Dual sport motorcycles qualify under Off-Road/ATV vehicle rates; Rates reflect 0.50% Relationship Benefits discount for qualifying members
Last Updated10/29/2026
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: 3.71%
Boat Loan
-
6.74%
48 Months
DetailsAs Low As; Max amount financed: up to 100%; Relationship Benefits discount of 0.50% may apply
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 6.74% APR · checked 13 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.71%
Boat Loan
-
6.99%
60 Months
DetailsAs Low As; Max amount financed: up to 100%; Relationship Benefits discount of 0.50% may apply
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 6.99% APR · checked 13 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.71%
Boat Loan
-
7.49%
72 Months
DetailsAs Low As; Max amount financed: up to 100%; Relationship Benefits discount of 0.50% may apply
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 7.49% APR · checked 13 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.71%
Boat Loan
-
7.99%
up to 180 Months
DetailsAs Low As; Max amount financed: up to 100%; Relationship Benefits discount of 0.50% may apply
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 7.99% APR · checked 13 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.71%
ATV & Watercraft Loan
-
9.74%
48 Months
DetailsAs Low As; Max Amount Financed: up to 90%
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 9.74% APR · checked 13 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.71%
ATV & Watercraft Loan
-
9.99%
60 Months
DetailsAs Low As; Max Amount Financed: up to 90%
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 9.99% APR · checked 13 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.71%
ATV & Watercraft Loan
-
10.49%
72 Months
DetailsAs Low As; Max Amount Financed: up to 90%
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 10.49% APR · checked 13 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.71%
Popa Federal Credit Union Credit Card Rates
Product
Rate
APR
View More
Cash Rewards VISA
-
11.75%
DetailsAs Low As; Term: Revolving; Maximum Line of Credit: $500.00 - $30,000.00
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 11.75% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.71%
VISA Credit Card
-
11.75%
DetailsAPR range 11.75% to 18.00% for purchases, cash advances and balance transfers; Rate varies by creditworthiness within range; Benefits include VISA Cash Rewards
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 11.75% APR · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.71%
VISA Bulldogs
-
13.90%
DetailsAs Low As; Term: Fixed; Maximum Line of Credit: $500.00 - $1,000.00
Last Updated10/29/2026
Rate History
No change since Sep 21, 2026 · 13.90% APR · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.71%
Popa Federal Credit Union Personal Loan Rates
Product
APR
Term
View More
Personal Loan - Signature
12.49%
Up to 60 Months
DetailsAs Low As; Loan Amount: Up to $15,000.00
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 12.49% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.71%
Personal Loan - Special Debt Consolidation
13.49%
Up to 60 Months
DetailsAs Low As; Loan Amount: Up to $30,000.00
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 13.49% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.71%
Personal Loan - Signature
14.49%
Up to 84 Months
DetailsAs Low As; Loan Amount: $15,000.01 to $30,000.00
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 14.49% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.71%
Personal Loan - SHIELD
17.99%
6 to 24 Months
DetailsAs Low As; Loan Amount: Up to $3,500.00; Fixed rate
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 17.99% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.71%
Financial Health History
Popa Federal Credit Union’s Texas Ratio stayed near 3.70% in Q3 2023 to 3.71% 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
$405M
3.71%
5.0
A+
March 31, 2026
$399M
1.15%
5.0
A+
December 31, 2025
$391M
1.68%
5.0
A+
September 30, 2025
$394M
2.02%
5.0
A+
June 30, 2025
$389M
1.85%
5.0
A+
March 31, 2025
$383M
1.73%
5.0
A+
December 31, 2024
$365M
2.75%
5.0
A+
September 30, 2024
$378M
2.57%
5.0
A+
June 30, 2024
$386M
3.46%
5.0
A+
March 31, 2024
$385M
1.79%
5.0
A+
December 31, 2023
$378M
1.85%
5.0
A+
September 30, 2023
$367M
3.70%
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 Popa 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 Popa 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 Popa Federal Credit Union's official website for the most current offers and terms.
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
21,787,841
Total Uninsured Shares and Deposits > $250K (F+J)
21,787,841
Total Insured Shares and Deposits > $250K (item 17 less item K)
336,450,942
Total Interest Expense (Sum of items 6 8)
2,033,773
Share Certificates
1,741
Number of Accounts for Share Drafts
13,807
IRA KEOGH Accounts
339
Number of Accounts for Regular Shares
23,095
All other shares
40
Money Market Shares
830
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)
55,480,457
Total Liabilities
363,575,735
Source: NCUA — Last Updated 06/30/2026
2026 MBR Health & Safety Badge
Popa 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
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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 Popa Federal Credit Union
Frequently Asked Questions About Popa Federal Credit Union
Does Popa Federal Credit Union offer CDs?
Yes. Popa Federal Credit Union current CD rates include its 18 Month CDs at 4.05% APY, its 24 Month Roth & Traditional IRA CDs at 4.05% APY and its Promotional CD - 11 month at 4.00% APY, verified by MonitorBankRates as of October 29, 2026.
Are CDs from Popa Federal Credit Union NCUA insured?
Yes. Popa 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 Popa Federal Credit Union?
The highest Popa Federal Credit Union CD rate is its 18 Month CDs at 4.05% APY, verified by MonitorBankRates as of October 29, 2026.
What CD terms does Popa Federal Credit Union offer?
Popa Federal Credit Union CD rates are 2.90% APY for a 6 month CD, 4.00% APY for an 11 month CD, 3.70% APY for a 12 month CD, 4.05% APY for an 18 month CD and 3.85% APY for a 2 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Popa Federal Credit Union for its full lineup.
What is the highest savings rate at Popa Federal Credit Union?
The highest Popa Federal Credit Union savings rate is its Club/Sub-Savings at 0.05% APY, verified by MonitorBankRates as of October 29, 2026.
What is the highest money market rate at Popa Federal Credit Union?
The highest Popa Federal Credit Union money market rate is its Money Market Savings at 0.95% APY, verified by MonitorBankRates as of October 29, 2026.
What is the lowest 30 year fixed mortgage rate at Popa Federal Credit Union?
The lowest Popa Federal Credit Union 30 year fixed mortgage rate is its Conventional Fixed - 30 Year Fixed Rate at 6.99%, verified by MonitorBankRates as of October 29, 2026. Popa Federal Credit Union mortgage rates are 6.99% for a 30 year mortgage and 6.25% for a 15 year mortgage.
What is the lowest auto loan rate at Popa Federal Credit Union?
The lowest Popa Federal Credit Union auto loan rate is its New Auto at 3.99% APR, verified by MonitorBankRates as of October 29, 2026.
What is the lowest personal loan rate at Popa Federal Credit Union?
The lowest Popa Federal Credit Union personal loan rate is its Personal Loan - Signature at 12.49% APR, verified by MonitorBankRates as of October 29, 2026.
What is the lowest credit card APR at Popa Federal Credit Union?
The lowest Popa Federal Credit Union credit card APR is its Cash Rewards VISA Credit Card at 11.75% APR, verified by MonitorBankRates as of October 29, 2026.
How many branches does Popa Federal Credit Union operate?
Popa 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 Popa Federal Credit Union?
Yes, to access services at Popa 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, Popa 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, Popa Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.
Does Popa Federal Credit Union offer online and mobile banking?
Most modern institutions like Popa 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.popafcu.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 Popa Federal Credit Union rates compare?
Popa Federal Credit Union's CD rates are 30% higher than the MonitorBankRates national average, and it has an A+ health rating. Popa Federal Credit Union's top rates are its 18 Month CDs at 4.05% APY, its Money Market Savings at 0.95% APY, its Conventional Fixed - 15 Year Fixed Rate at 6.25%, its Personal Loan - Signature at 12.49% APR and its Cash Rewards VISA Credit Card at 11.75% APR, verified by MonitorBankRates on October 29, 2026.
Current Popa Federal Credit Union Rates
12-Month CD3.50%
18-Month CD3.85%
24-Month CD3.85%
Savings0.95%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
