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 Spojnia Credit Union Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
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.
Read Full Bio →
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 9, 2026
Spojnia Credit Union's top rates as of October 9, 2026 are 2.88% APY on its CD (CD) - 60 Month, and personal loans from 11.57% APR, according to rates verified by MonitorBankRates. Other Spojnia Credit Union CD rates include CD (CD) - 48 Month at 2.83%, CD (CD) - 36 Month at 2.77%, and CD (CD) - 24 Month at 2.73%. MonitorBankRates evaluates the financial stability of Spojnia Credit Union with a 4.5 Star Rating, an B Overall Health Grade, and a Texas Ratio of 20.92%. Rates last updated and verified on 10/09/2026. Spojnia 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 Spojnia Credit Union? Share your experience about Spojnia Credit Union by leaving a review below, or read customer reviews before you decide to use Spojnia Credit Union. Spojnia Credit Union
Spojnia Credit Union 1006 Pittston Ave
https://www.spojniacreditunion.org Scranton, PA 18505  Customer Reviews
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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. Spojnia Credit Union CD Rates
Spojnia Credit Union Home Equity & HELOC
Spojnia Credit Union Auto Loan Rates
Spojnia Credit Union RV, Boat and Powersport Loan Rates
Spojnia Credit Union Personal Loan Rates
Spojnia Credit Union Other Rates
Financial Health HistorySpojnia Credit Union’s Texas Ratio rose from 4.23% in Q3 2023 to 20.92% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 4.5 and its Health Grade from A+ to B. 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)
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Spojnia 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 Spojnia 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 Spojnia Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Spojnia Credit Union
Address
1006 Pittston Ave,
Scranton, PA 18505
Phone
570-344-1513
Fax
570-961-5961
President
Jan Cwikla
CEO
MARCELLA MILLER
Full-Time Employees
3
Part-Time Employees
2
Branch Locations
1
ATM Locations
0
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
4.5 / 5.0 ★
Overall Health & Safety Grade
B (85/100)
Texas Ratio
20.92%
Return on Assets (ROA)
-0.3153%
Return on Equity (ROE)
-2.0355%
Non-Performing Loans Ratio (NPL)
8.33%
Total Assets
14,314,921
Total Amount of Shares and Deposits
12,087,679
Total Shares and Deposits < 1 Year
10,392,510
Total Shares and Deposits 1 3 Years
843,024
Total Shares and Deposits > 3 Years
852,144
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
2,699,846
Total Uninsured Shares and Deposits > $250K (F+J)
2,699,846
Total Insured Shares and Deposits > $250K (item 17 less item K)
9,387,833
Total Interest Expense (Sum of items 6 8)
93,734
Share Certificates
283
Number of Accounts for Share Drafts
141
Number of Accounts for Regular Shares
879
Net Income (unless the amount is already included in Undivided Earnings)
-45,138
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)
1,655,523
Total Liabilities
12,098,501
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Frequently Asked Questions About Spojnia Credit UnionHow many branches does Spojnia Credit Union operate?Spojnia 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 Spojnia Credit Union?Yes, to access services at Spojnia 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, Spojnia 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, Spojnia Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Spojnia Credit Union offer online and mobile banking?Most modern institutions like Spojnia 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.spojniacreditunion.org. Current Spojnia Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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