What are the current interest rates at Reading Berks School Employees Credit Union?

Current rates for Reading Berks School Employees Credit Union include: Savings: 2.00%

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Reading Berks School Employees Credit Union

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Reading Berks School Employees Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Reading Berks School Employees 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 9, 2026

Reading Berks School Employees Credit Union's top rates as of October 9, 2026 are 2.00% APY on savings, and personal loans from 10.50% APR, according to rates verified by MonitorBankRates. MonitorBankRates evaluates the financial stability of Reading Berks School Employees Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.71%. Rates last updated and verified on 10/09/2026.

Reading Berks School Employees 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 Reading Berks School Employees Credit Union? Share your experience about Reading Berks School Employees Credit Union by leaving a review below, or read customer reviews before you decide to use Reading Berks School Employees Credit Union.

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

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.71%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Reading Berks School Employees Credit Union
reading berks school emp cu

4641 Pottsville Pike
Reading, PA 19605

https://rbsecu.com

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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.

Reading Berks School Employees Credit Union Savings Rates

Product	Rate	APY	View More
Share (Savings Deposit)	2.00%	2.00%
Min Deposit $25 Details Membership Fee: $1.00; Must be an Employee of a Berks County School District. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 1.80% → 2.00% ▲ 0.20 pts · high 2.00% / low 1.80% Sep 29, 20262.00%▲ from 1.80% Sep 14, 20261.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%

Reading Berks School Employees Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan	5.75%	-	5.75%	Up to 10 years
Details 1st Position; Up to $30,000; Home 80% Value Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 5.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%
Home Equity Loan	6.00%	-	6.00%	Up to 15 years
Details 1st Position; Over $30,000 to $100,000; Home 80% Value Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 6.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%
Home Equity Loan	6.25%	-	6.25%	Up to 20 years
Details 1st Position; Over $100,000 to $150,000; Home 80% Value Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 6.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%
Home Equity Loan	6.25%	-	6.25%	Up to 15 years
Details 2nd Position; Over $30,000 to $75,000; Land 70% Value Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 6.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%
Home Equity Loan	6.50%	-	6.50%	Up to 25 years
Details 1st Position; Over $150,000 to $250,000; Home 80% Value Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 6.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%

Reading Berks School Employees Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Vehicle Loan	5.50%	-	5.50%	Up to 48 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 5.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%
New Vehicle Loan	5.75%	-	5.75%	Up to 60 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 5.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%
2019 and Newer Vehicle Loan	6.00%	-	6.00%	Up to 60 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%
New Vehicle Loan	6.00%	-	6.00%	Up to 72 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 6.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%
2019 and Newer Vehicle Loan	6.25%	-	6.25%	Up to 72 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%
New Vehicle Loan	6.25%	-	6.25%	Up to 84 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 6.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%
2019 and Newer Vehicle Loan	6.50%	-	6.50%	Up to 84 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%
Older Vehicles Loan	9.99%	-	9.99%	60 months
Details 2018 & Older; NADA Book Value Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 9.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%

Reading Berks School Employees Credit Union Personal Loan Rates

Product	APR	Term	View More
Unsecured Loan	10.50%	12 to 48 months
Details Up to $5,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 10.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%

Reading Berks School Employees Credit Union Other Rates

Product	Rate	Points	APY/APR	Term	View More
Pledged Share Loan	4.50%	-	4.50%	Up to 72 months
Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%

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

Reading Berks School Employees Credit Union’s Texas Ratio fell from 5.06% in Q3 2023 to 2.71% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$13M	2.71%	5.0	A+
March 31, 2026	$13M	0.89%	5.0	A+
December 31, 2025	$14M	0.77%	5.0	A+
September 30, 2025	$14M	5.79%	5.0	A+
June 30, 2025	$14M	5.13%	5.0	A+
March 31, 2025	$14M	5.60%	5.0	A+
December 31, 2024	$14M	14.02%	5.0	A-
September 30, 2024	$15M	5.58%	5.0	A+
June 30, 2024	$15M	0.72%	5.0	A+
March 31, 2024	$16M	4.48%	5.0	A+
December 31, 2023	$16M	10.20%	5.0	A
September 30, 2023	$17M	5.06%	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 Reading Berks School Employees 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 Reading Berks School Employees 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 Reading Berks School Employees Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Reading Berks School Employees Credit Union

Website https://rbsecu.com

Address 4641 Pottsville Pike, Reading, PA 19605

Phone 610-921-1003

Fax 610-921-9237

President

CEO Steven Harris

Full-Time Employees 0

Part-Time Employees 6

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+ (99/100)

Texas Ratio

2.71%

Return on Assets (ROA)

0.1617%

Return on Equity (ROE)

0.9742%

Non-Performing Loans Ratio (NPL)

1.07%

Total Assets

13,177,090

Total Amount of Shares and Deposits

10,980,699

Total Shares and Deposits < 1 Year

10,980,699

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

127,640

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

127,640

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

10,853,059

Total Interest Expense (Sum of items 6 8)

92,480

Number of Accounts for Regular Shares

1,322

Net Income (unless the amount is already included in Undivided Earnings)

5,692

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)

915,239

Total Liabilities

10,980,879

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Reading Berks School Employees 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.

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Frequently Asked Questions About Reading Berks School Employees Credit Union

How many branches does Reading Berks School Employees Credit Union operate?

Reading Berks School Employees 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 Reading Berks School Employees Credit Union?

Yes, to access services at Reading Berks School Employees 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, Reading Berks School Employees 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, Reading Berks School Employees Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Reading Berks School Employees Credit Union offer online and mobile banking?

Most modern institutions like Reading Berks School Employees 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://rbsecu.com.