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Pueblo Government Agencies Federal Credit Union

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Pueblo Government Agencies Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Pueblo Government Agencies Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 13, 2026

Pueblo Government Agencies Federal Credit Union's top rates as of October 13, 2026 are personal loans from 8.75% APR, and credit cards from 9.90% APR, according to rates verified by MonitorBankRates. MonitorBankRates evaluates the financial stability of Pueblo Government Agencies Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.03%. Rates last updated and verified on 10/13/2026.

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

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.03%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Pueblo Government Agencies Federal Credit Union
Pueblo Government Agencies Federal Credit Union

720 N Greenwood St
Pueblo, CO 81003-3014

https://www.pgafcu.org

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

Pueblo Government Agencies Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR
2022-or Newer Auto Loan	-	-	5.49%
Details Rates effective January 1, 2025. 5.49% APR is not available to existing PGAFCU loans, must be a new loan. Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 5.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
New or Used Auto Loans	-	-	5.49%
Details As low as quoted with approved credit and are also based off of the term. Approved amount is also based on the value of the vehicle. Rates effective January 1, 2025. Not available to existing PGAFCU loans, must be a new loan. Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 5.99% → 5.49% ▼ 0.50 pts · high 5.99% / low 5.49% Oct 4, 20265.49%▼ from 5.99% Sep 25, 20265.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
2016-2021 Auto Loan	-	-	5.99%
Details Rates effective January 1, 2025. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 5.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
New or Used Auto Loans	-	-	5.99%
Details Additional APR listed for this product: 7.99%. As low as quoted with approved credit and are also based off of the term. Approved amount is also based on the value of the vehicle. Rates effective January 1, 2025. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 5.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
2015 & Older Auto Loan	-	-	7.99%
Details Rates effective January 1, 2025. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 7.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%

Pueblo Government Agencies Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR
Motorcycle, RV, Camper & Trailer Loan	-	6.09%
Details Additional APR listed for this product: 7.09%. As low as quoted with approved credit and are also based off of the term. Approved amount is also based on the value of the vehicle. Rates Effective January 1, 2025. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 6.09% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
Dirt Bikes, ATV's, and Watercrafts Loan	-	6.85%
Details Additional APR listed for this product: 7.85%. As low as quoted with approved credit and are also based off of the term. Approved amount is also based on the value of the vehicle. Rates Effective January 1, 2025. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 6.85% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
Older Motorcycles, RV's, Campers, or Trailers Loan	-	7.09%
Details As Low As; Rates Effective January 1, 2025. Must meet lending policy requirements, rates are as low as quoted with approved credit and are also based off of the term. Approved amount is also based on the value of the vehicle. Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 7.09% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
Older Dirt Bikes, ATV's, and Watercraft Loan	-	7.85%
Details As Low As; Rates Effective January 1, 2025. Must meet lending policy requirements, rates are as low as quoted with approved credit and are also based off of the term. Approved amount is also based on the value of the vehicle. Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 7.85% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%

Pueblo Government Agencies Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
VISA Credit Card	-	9.90%
Details Limits up to $10,000 with rates as low as 9.90% APR (with approved credit). No Balance Transfer Fees. No Annual Fee. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 9.90% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%

Pueblo Government Agencies Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Signature Loan	8.75%
Details Regular Signature Loan. As low as quoted with approved credit and are also based off of the term. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 8.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%

Pueblo Government Agencies Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Second Chance/Credit Builder Program Loan	-	-	5.80%	9 to 60 months
Details Borrow $500- $5,000. Guaranteed Approval as long as you have income. Fixed Interest rates as low as 5.80% APR. You select repayment term (9 to 60 months). Low monthly payments. Payroll deduction or automatic transfer for payment options available. Reports to credit bureaus. Loan proceeds are deposited to your savings then pledged to the loan until it is repaid. Payments made will be shown on your credit report. Ask for more details! Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 5.80% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
Second Chance/Credit Builder Program Loan	-	-	6.30%	24 month
Details Example: $500 goal, $23/monthly payment, 24 month term, Rate as low as 6.30% APR, Interest you'll pay $32.52. More examples. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.30% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Pueblo Government Agencies Federal Credit Union’s Texas Ratio stayed near 0.00% in Q3 2023 to 0.03% 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	$44M	0.03%	5.0	A+
March 31, 2026	$44M	0.09%	5.0	A+
December 31, 2025	$43M	0.10%	5.0	A+
September 30, 2025	$42M	0.35%	5.0	A+
June 30, 2025	$43M	0.78%	5.0	A+
March 31, 2025	$43M	0.04%	5.0	A+
December 31, 2024	$42M	0.03%	5.0	A+
September 30, 2024	$41M	0.00%	5.0	A+
June 30, 2024	$42M	0.00%	5.0	A+
March 31, 2024	$42M	0.00%	5.0	A+
December 31, 2023	$43M	0.00%	5.0	A+
September 30, 2023	$44M	0.00%	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 Pueblo Government Agencies 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 Pueblo Government Agencies 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 Pueblo Government Agencies Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Pueblo Government Agencies Federal Credit Union

Website https://www.pgafcu.org

Address 720 N Greenwood St, Pueblo, CO 81003-3014

Phone 719-542-3379

Fax 719-583-1924

President Debby Moreland

CEO Susan Mckay

Full-Time Employees 11

Part-Time Employees 1

Branch Locations 2

ATM Locations 0

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.03%

Return on Assets (ROA)

0.3284%

Return on Equity (ROE)

2.5883%

Non-Performing Loans Ratio (NPL)

0.02%

Total Assets

43,839,827

Total Amount of Shares and Deposits

37,872,627

Total Shares and Deposits < 1 Year

37,041,533

Total Shares and Deposits 1 3 Years

831,094

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

342,905

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

342,905

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

37,529,722

Total Interest Expense (Sum of items 6 8)

42,736

Share Certificates

101

Number of Accounts for Share Drafts

2,036

IRA KEOGH Accounts

138

Number of Accounts for Regular Shares

3,791

All other shares

Money Market Shares

127

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

2,429,616

Total Liabilities

38,276,597

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Pueblo Government Agencies Federal Credit Union earned the Verified Healthy badge

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

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

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

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Frequently Asked Questions About Pueblo Government Agencies Federal Credit Union

How many branches does Pueblo Government Agencies Federal Credit Union operate?

Pueblo Government Agencies 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 Pueblo Government Agencies Federal Credit Union?

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

Does Pueblo Government Agencies Federal Credit Union offer online and mobile banking?

Most modern institutions like Pueblo Government Agencies 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.pgafcu.org.