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St Pius X Church Federal Credit Union Rates & Review April 2026

St Pius X Church Federal Credit Union's 18 Month Jumbo CDs rates are at 3.25%, 18 Month CD (Jumbo) rates are at 3.25%, 24 Month Jumbo CDs rates are at 3.25%, 12 Month Jumbo CDs rates are at 3.20%, 18 Month CDs rates are at 3.15%. St Pius X Church Federal Credit Union's savings rates are at 0.04%. St Pius X Church Federal Credit Union's money market rates are at 0.75%. St Pius X Church Federal Credit Union's Personal Loan Rates are at 8.25%. MonitorBankRates evaluates the financial stability of St Pius X Church Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.99%. Rates were last updated on 04/05/2026.

St Pius X Church 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 St Pius X Church Federal Credit Union? Share your experience about St Pius X Church Federal Credit Union by leaving a review below, or read customer reviews before you decide to use St Pius X Church Federal Credit Union.

Overall Health & Safety Grade ?
A
Excellent Health Score: 96/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
7.99%
Excellent Higher than avg
St Pius X Church Federal Credit Union
St Pius X FCU
2998 Chili Ave
Rochester, NY 14624 4537
https://www.spxfcu.org
Member NCUA

St Pius X Church Federal Credit Union CD Rates

Product Rate APY Term View More
18 Month Jumbo Share Certificates 3.20% 3.25% 18 Month Jumbo
Min Balance $100,000
Last Updated 04/05/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.99%
18 Month Share Certificate (Jumbo) - 3.25% 18
No additional details.
Last Updated 04/05/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.99%
24 Month Jumbo Share Certificates 3.20% 3.25% 24 Month Jumbo
Min Balance $100,000
Last Updated 04/05/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.99%
12 Month Jumbo Share Certificates 3.15% 3.20% 12 Month Jumbo
Min Balance $100,000
Last Updated 04/05/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.99%
18 Month Share Certificates 3.10% 3.15% 18 Month
Min Balance $500
Last Updated 04/05/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.99%
24 Month Share Certificates 3.10% 3.15% 24 Month
Min Balance $500
Last Updated 04/05/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.99%
12 Month Share Certificates 3.05% 3.10% 12 Month
Min Balance $500
Last Updated 04/05/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.99%
6 Month Jumbo Share Certificates 3.05% 3.10% 6 Month Jumbo
Min Balance $100,000
Last Updated 04/05/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.99%
9 Month Jumbo Share Certificates 3.05% 3.10% 9 Month Jumbo
Min Balance $100,000
Last Updated 04/05/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.99%
6 Month Share Certificates 2.96% 3.00% 6 Month
Min Balance $500
Last Updated 04/05/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.99%
9 Month Share Certificates 2.96% 3.00% 9 Month
Min Balance $500
Last Updated 04/05/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.99%
36 Month Jumbo Share Certificates 2.66% 2.70% 36 Month Jumbo
Min Balance $100,000
Last Updated 04/05/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.99%
36 Month Share Certificates 2.57% 2.60% 36 Month
Min Balance $500
Last Updated 04/05/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.99%
48 Month Jumbo Share Certificates 2.27% 2.30% 48 Month Jumbo
Min Balance $100,000
Last Updated 04/05/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.99%
60 Month Jumbo Share Certificates 2.27% 2.30% 60 Month Jumbo
Min Balance $100,000
Last Updated 04/05/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.99%
48 Month Share Certificates 2.18% 2.20% 48 Month
Min Balance $500
Last Updated 04/05/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.99%
60 Month Share Certificates 2.18% 2.20% 60 Month
Min Balance $500
Last Updated 04/05/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.99%

St Pius X Church Federal Credit Union Savings Rates

Product Rate APY View More
Share (savings) 0.04% 0.04%
Min Balance $5
Last Updated 04/05/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.99%

St Pius X Church Federal Credit Union Money Market Rates

Product Rate APY View More
Money Market 1.49% 1.50%
Min Balance $75,000
Last Updated 04/05/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.99%
Money Market 0.99% 1.00%
Min Balance $25,000
Last Updated 04/05/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.99%
Money Market 0.75% 0.75%
Min Balance $2,500
Last Updated 04/05/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.99%

St Pius X Church Federal Credit Union Checking Rates

Product Rate APY View More
Share Draft (checking) - 0.00%
No additional details.
Last Updated 04/05/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.99%

St Pius X Church Federal Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
Fixed Home Equity Loan - - 5.99%
Details As Low As
Last Updated 04/05/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.99%
Home Equity Loan (Fixed Rate, 180 months) - - 5.99% 15
Details As Low As
Last Updated 04/05/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.99%
Home Equity Line of Credit - - 6.25% 15
Details As Low As; See current promotion.
Last Updated 04/05/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.99%
Home Equity Line of Credit - - 6.50% 15
Details As Low As; See current promotion.
Last Updated 04/05/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.99%
Home Equity Loan (Variable Rate, 180 months) - - 6.50% 15
Details As Low As
Last Updated 04/05/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.99%

St Pius X Church Federal Credit Union Personal Loan Rates

Product Rate APR View More
Personal - 8.25%
Details As Low As
Last Updated 04/05/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.99%

Methodology & Data Sources

MonitorBankRates Star Rating
Our rating for St Pius X Church 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 St Pius X Church 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 St Pius X Church Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name St Pius X Church Federal Credit Union
Address 2998 Chili Ave, Rochester, NY 14624 4537
Phone 585-247-0724
Fax 585-247-0729
President Suzanne Leicht
CEO Adam Amesbury
Full-Time Employees 12
Part-Time Employees 3
Branch Locations 1
ATM Locations 1
NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (96/100)
Texas Ratio
7.99%
Return on Assets (ROA)
0.2551%
Return on Equity (ROE)
2.5748%
Non-Performing Loans Ratio (NPL)
1.24%
Total Assets
95,819,073
Total Amount of Shares and Deposits
86,393,868
Total Shares and Deposits < 1 Year
78,988,539
Total Shares and Deposits 1 3 Years
6,951,703
Total Shares and Deposits > 3 Years
453,625
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
12,353,935
Total Uninsured Shares and Deposits > $250K (F+J)
12,353,935
Total Insured Shares and Deposits > $250K (item 17 less item K)
74,039,933
Total Interest Expense (Sum of items 6 8)
1,343,512
Share Certificates
1,027
Number of Accounts for Share Drafts
2,398
IRA KEOGH Accounts
289
Number of Accounts for Regular Shares
5,675
All other shares
105
Money Market Shares
427
Net Income (unless the amount is already included in Undivided Earnings)
244,434
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
5,165,202
Total Liabilities
86,417,282
Source: NCUA — Last Updated 09/30/2025

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Total Reviews
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Frequently Asked Questions About St Pius X Church Federal Credit Union

Is St Pius X Church Federal Credit Union a safe place to deposit money?

Yes, St Pius X Church Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 7.9900244385455%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does St Pius X Church Federal Credit Union operate?

St Pius X Church 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 St Pius X Church Federal Credit Union?

Yes, to access services at St Pius X Church 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, St Pius X Church 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, St Pius X Church Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does St Pius X Church Federal Credit Union offer online and mobile banking?

Most modern institutions like St Pius X Church 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.spxfcu.org.

Current St Pius X Church Federal Credit Union Rates

  • 12-Month CD3.10%
  • 18-Month CD3.15%
  • 24-Month CD3.15%
  • 60-Month CD2.20%
  • Savings0.04%
  • MMA0.75%
Retrieved from our database of financial products. Rates subject to change.