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The Peoples Credit Union Rates & Review October 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 9, 2026
The Peoples Credit Union's top rates as of October 9, 2026 are 4.00% APY on its 10 Month CD of Deposit, 0.50% APY on savings, 3.00% APY on money market accounts, 0.10% APY on checking, 6.38% on its First Time Home Buyer Mortgage - Year 1, and auto loans from 5.20% APR, according to rates verified by MonitorBankRates. Other The Peoples Credit Union CD rates include 12 Month CD of Deposit at 4.00%, 6 Month CD of Deposit at 4.00%, and 7 Month CD of Deposit at 4.00%. Other The Peoples Credit Union mortgage rates include 15 Year Fixed Rate at 6.50%, Adjustable Rate Mortgage - 5/1 ARM at 6.50%, and Adjustable Rate Mortgage - 7/1 ARM at 6.62%. MonitorBankRates evaluates the financial stability of The Peoples Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.51%. Rates last updated and verified on 10/09/2026.
The Peoples 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 The Peoples Credit Union? Share your experience about The Peoples Credit Union by leaving a review below, or read customer reviews before you decide to use The Peoples Credit Union.
The Peoples 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
The Peoples 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
?
4.51%
ExcellentLower than avg
The Peoples Credit Union Texas Ratio
The Peoples Credit Union's Texas Ratio is 4.51%, which is considered excellent and is lower than the national average of 6.13%.
The Peoples 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.
3.37% to 4.51% 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.
The Peoples Credit Union CD Rates
Product
Rate
APY
Term
View More
10 Month Certificate of Deposit
-
4.00%
10 Months
Min Deposit$500
Min Balance$500
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 3.15% → 4.00% ▲ 0.85 pts · high 4.00% / low 3.15%
Oct 9, 20264.00%▲ from 3.15%
Sep 14, 20263.15%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.51%
12 Month Certificate of Deposit
-
4.00%
12 Months
Min Deposit$500
Min Balance$500
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 3.55% → 4.00% ▲ 0.45 pts · high 4.00% / low 3.55%
Oct 9, 20264.00%▲ from 3.55%
Sep 14, 20263.55%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.51%
6 Month Certificate of Deposit
-
4.00%
6 Months
Min Deposit$500
Min Balance$500
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 3.00% → 4.00% ▲ 1.00 pts · high 4.00% / low 3.00%
Oct 9, 20264.00%▲ from 3.00%
Sep 14, 20263.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.51%
7 Month Certificate of Deposit
-
4.00%
7 Months
Min Deposit$500
Min Balance$500
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 3.55% → 4.00% ▲ 0.45 pts · high 4.00% / low 3.55%
Oct 9, 20264.00%▲ from 3.55%
Sep 14, 20263.55%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.51%
9 Month Certificate of Deposit
-
4.00%
9 Months
Min Deposit$500
Min Balance$500
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 3.35% → 4.00% ▲ 0.65 pts · high 4.00% / low 3.35%
Oct 9, 20264.00%▲ from 3.35%
Sep 14, 20263.35%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.51%
18 Month Certificate of Deposit
-
3.50%
18 Months
Min Deposit$500
Min Balance$500
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.51%
24 Month Certificate of Deposit
-
3.50%
24 Months
Min Deposit$500
Min Balance$500
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.51%
15 Month Certificate of Deposit
-
3.25%
15 Months
Min Deposit$500
Min Balance$500
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.51%
30 Month Certificate of Deposit
-
2.60%
30 Months
Min Deposit$500
Min Balance$500
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 2.60% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.51%
36 Month Certificate of Deposit
-
2.50%
36 Months
Min Deposit$500
Min Balance$500
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.51%
48 Month Certificate of Deposit
-
2.35%
48 Months
Min Deposit$500
Min Balance$500
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 2.35% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.51%
60 Month Certificate of Deposit
-
2.35%
60 Months
Min Deposit$500
Min Balance$500
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 2.35% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.51%
3 Month Certificate of Deposit
-
0.10%
3 Months
Min Deposit$500
Min Balance$500
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 5 times
The Peoples Credit Union Business Money Market Rates
Product
Rate
APY
View More
Business Selective Reserve Money Market Account
-
3.00%
Min Deposit$2,500
Min Balance$2,500
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 3.00% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.51%
Business Max Yield Money Market
-
2.50%
Min Deposit$2,500
Min Balance$500,000
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.51%
Business Max Yield Money Market
-
2.25%
Min Deposit$2,500
Min Balance$50,000
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.51%
Business Max Yield Money Market
-
2.00%
Min Deposit$2,500
Min Balance$2,500
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.51%
Business Money Market
-
0.25%
Min Deposit$2,500
Min Balance$75,000
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.51%
Business Money Market
-
0.15%
Min Deposit$2,500
Min Balance$50,000
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.51%
Business Money Market
-
0.10%
Min Deposit$2,500
Min Balance$25,000
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.51%
Business Money Market
-
0.05%
Min Deposit$2,500
Min Balance$2,500
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.51%
The Peoples Credit Union Checking Rates
Product
Rate
APY
View More
Max Yield Checking
-
0.10%
Min Deposit$25
Min Balance$1,500
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.51%
Max Yield Checking
-
0.10%
Min Deposit$25
DetailsMin daily balance $1,500.00
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.51%
Max Yield Checking
-
0.05%
Min Deposit$25
Min Balance$0
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.51%
Max Yield Checking
-
0.05%
Min Deposit$25
DetailsMin daily balance $.01
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.51%
myDirect Interest Checking
-
0.05%
Min Deposit$25
Min Balance$0
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.51%
myDirect Interest Checking
-
0.05%
Min Deposit$25
DetailsMin daily balance $.01; $10 monthly fee without direct deposit
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.51%
The Peoples Credit Union Business Checking Rates
Product
Rate
APY
View More
Business Interest Checking
-
0.10%
Min Deposit$25
Min Balance$5,000
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.51%
Business Interest Checking
-
0.05%
Min Deposit$25
Min Balance$0
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.51%
The Peoples Credit Union Mortgage Rates
Product
Rate
Points
APR
Term
View More
15 Year Fixed Rate
6.50%
0
6.651%
15 Year
No additional details.
Last Updated10/09/2026
Rate History
2 changes since Sep 14, 2026 · 6.14% → 6.65% ▲ 0.51 pts · high 6.65% / low 6.14%
Oct 9, 20266.65%▲ from 6.40%
Oct 1, 20266.40%▲ from 6.14%
Sep 14, 20266.14%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.51%
Adjustable Rate Mortgage - 5/1 ARM
6.50%
0
6.838%
No additional details.
Last Updated10/09/2026
Rate History
2 changes since Sep 14, 2026 · 6.29% → 6.84% ▲ 0.55 pts · high 6.84% / low 6.29%
Oct 9, 20266.84%▲ from 6.62%
Oct 1, 20266.62%▲ from 6.29%
Sep 14, 20266.29%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.51%
Adjustable Rate Mortgage - 7/1 ARM
6.625%
0
6.898%
No additional details.
Last Updated10/09/2026
Rate History
2 changes since Sep 14, 2026 · 6.33% → 6.90% ▲ 0.57 pts · high 6.90% / low 6.33%
Oct 9, 20266.90%▲ from 6.64%
Oct 1, 20266.64%▲ from 6.33%
Sep 14, 20266.33%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.51%
Adjustable Rate Mortgage - 10/1 ARM
6.875%
0
7.013%
No additional details.
Last Updated10/09/2026
Rate History
2 changes since Sep 14, 2026 · 6.34% → 7.01% ▲ 0.67 pts · high 7.01% / low 6.34%
Oct 9, 20267.01%▲ from 6.63%
Oct 1, 20266.63%▲ from 6.34%
Sep 14, 20266.34%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.51%
First Time Home Buyer Mortgage - Year 1
6.375%
0
7.122%
1 year
No additional details.
Last Updated10/09/2026
Rate History
2 changes since Sep 18, 2026 · 6.37% → 7.12% ▲ 0.75 pts · high 7.12% / low 6.37%
Oct 9, 20267.12%▲ from 6.62%
Oct 1, 20266.62%▲ from 6.37%
Sep 18, 20266.37%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.51%
First Time Home Buyer Mortgage - Year 2
6.625%
0
7.122%
2 year
No additional details.
Last Updated10/09/2026
Rate History
2 changes since Sep 18, 2026 · 6.37% → 7.12% ▲ 0.75 pts · high 7.12% / low 6.37%
Oct 9, 20267.12%▲ from 6.62%
Oct 1, 20266.62%▲ from 6.37%
Sep 18, 20266.37%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.51%
First Time Home Buyer Mortgage - Year 3
6.875%
0
7.122%
3 year
No additional details.
Last Updated10/09/2026
Rate History
2 changes since Sep 18, 2026 · 6.37% → 7.12% ▲ 0.75 pts · high 7.12% / low 6.37%
Oct 9, 20267.12%▲ from 6.62%
Oct 1, 20266.62%▲ from 6.37%
Sep 18, 20266.37%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.51%
20 Year Fixed Rate
7.00%
0
7.129%
20 Year
No additional details.
Last Updated10/09/2026
Rate History
2 changes since Sep 14, 2026 · 6.37% → 7.13% ▲ 0.76 pts · high 7.13% / low 6.37%
Oct 9, 20267.13%▲ from 6.62%
Oct 1, 20266.62%▲ from 6.37%
Sep 14, 20266.37%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.51%
30-Year Fixed Rate
7.125%
0
7.226%
30 years
No additional details.
Last Updated10/09/2026
Rate History
2 changes since Sep 14, 2026 · 6.47% → 7.23% ▲ 0.76 pts · high 7.23% / low 6.47%
Oct 9, 20267.23%▲ from 6.72%
Oct 1, 20266.72%▲ from 6.47%
Sep 14, 20266.47%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.51%
The Peoples Credit Union Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
Centennial Home Equity Line of Credit - Primary Residence
6.25%
0
6.25%
No additional details.
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 6.00% → 6.25% ▲ 0.25 pts · high 6.25% / low 6.00%
Sep 22, 20266.25%▲ from 6.00%
Sep 14, 20266.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.51%
Home Equity Primary Residence
6.25%
0
6.25%
No additional details.
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 6.00% → 6.25% ▲ 0.25 pts · high 6.25% / low 6.00%
Sep 22, 20266.25%▲ from 6.00%
Sep 14, 20266.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.51%
Home Equity 10 Years - Primary Residence
6.50%
0
6.50%
10 Years
No additional details.
Last Updated10/09/2026
Rate History
1 change since Sep 18, 2026 · 6.25% → 6.50% ▲ 0.25 pts · high 6.50% / low 6.25%
Oct 9, 20266.50%▲ from 6.25%
Sep 18, 20266.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.51%
Centennial Home Equity Line of Credit - Second Home
6.75%
0
6.75%
No additional details.
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 6.50% → 6.75% ▲ 0.25 pts · high 6.75% / low 6.50%
Sep 22, 20266.75%▲ from 6.50%
Sep 14, 20266.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.51%
Home Equity 15 Years - Primary Residence
6.75%
0
6.75%
15 Years
No additional details.
Last Updated10/09/2026
Rate History
1 change since Sep 18, 2026 · 6.50% → 6.75% ▲ 0.25 pts · high 6.75% / low 6.50%
Oct 9, 20266.75%▲ from 6.50%
Sep 18, 20266.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.51%
Home Equity Second Home
6.75%
0
6.75%
No additional details.
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 6.50% → 6.75% ▲ 0.25 pts · high 6.75% / low 6.50%
Sep 22, 20266.75%▲ from 6.50%
Sep 14, 20266.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.51%
Home Equity 10 Years - Second Home
7.00%
0
7.00%
10 Years
No additional details.
Last Updated10/09/2026
Rate History
1 change since Sep 18, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75%
Oct 9, 20267.00%▲ from 6.75%
Sep 18, 20266.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.51%
Home Equity 20 Years - Primary Residence
7.125%
0
7.125%
20 Years
No additional details.
Last Updated10/09/2026
Rate History
1 change since Sep 18, 2026 · 6.88% → 7.13% ▲ 0.25 pts · high 7.13% / low 6.88%
Oct 9, 20267.13%▲ from 6.88%
Sep 18, 20266.88%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.51%
Centennial Home Equity Line of Credit - Investment Property
7.25%
0
7.25%
No additional details.
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 7.00% → 7.25% ▲ 0.25 pts · high 7.25% / low 7.00%
Sep 22, 20267.25%▲ from 7.00%
Sep 14, 20267.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.51%
Home Equity 15 Years - Second Home
7.25%
0
7.25%
15 Years
No additional details.
Last Updated10/09/2026
Rate History
1 change since Sep 18, 2026 · 7.00% → 7.25% ▲ 0.25 pts · high 7.25% / low 7.00%
Oct 9, 20267.25%▲ from 7.00%
Sep 18, 20267.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.51%
Home Equity Investment Property
7.25%
0
7.25%
No additional details.
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 7.00% → 7.25% ▲ 0.25 pts · high 7.25% / low 7.00%
Sep 22, 20267.25%▲ from 7.00%
Sep 14, 20267.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.51%
Home Equity 10 Years - Investment Property
7.50%
0
7.50%
10 Years
No additional details.
Last Updated10/09/2026
Rate History
1 change since Sep 18, 2026 · 7.25% → 7.50% ▲ 0.25 pts · high 7.50% / low 7.25%
Oct 9, 20267.50%▲ from 7.25%
Sep 18, 20267.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.51%
Home Equity 20 Years - Second Home
7.625%
0
7.625%
20 Years
No additional details.
Last Updated10/09/2026
Rate History
1 change since Sep 18, 2026 · 7.38% → 7.63% ▲ 0.25 pts · high 7.63% / low 7.38%
Oct 9, 20267.63%▲ from 7.38%
Sep 18, 20267.38%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.51%
Home Equity 15 Years - Investment Property
7.75%
0
7.75%
15 Years
No additional details.
Last Updated10/09/2026
Rate History
1 change since Sep 18, 2026 · 7.50% → 7.75% ▲ 0.25 pts · high 7.75% / low 7.50%
Oct 9, 20267.75%▲ from 7.50%
Sep 18, 20267.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.51%
Home Equity 20 Years - Investment Property
8.125%
0
8.125%
20 Years
No additional details.
Last Updated10/09/2026
Rate History
1 change since Sep 18, 2026 · 7.88% → 8.13% ▲ 0.25 pts · high 8.13% / low 7.88%
Oct 9, 20268.13%▲ from 7.88%
Sep 18, 20267.88%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.51%
The Peoples Credit Union Auto Loan Rates
Product
Rate
Points
APR
Term
View More
2022-2025 Auto Loan
-
-
5.20%
63 months
DetailsAdvertised APR is based on a credit score of 700 and a maximum Loan-To-Value (LTV) of 120% of retail value or MSRP value for new vehicles. Published rate includes a 0.25% discount given when you maintain automatic electronic payments. To qualify for the automatic payment rate discount, loan payments must be made automatically from an internal People's checking account. An ACH authorization form must be completed at closing. Rate is subject to increase upon cancellation or cessation of the discount program. Other rates available based on creditworthiness. Monthly payment is advertised for the full term of the loan.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 5.20% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.51%
2022-2025 Auto Loan
-
-
5.34%
66 months
DetailsAdvertised APR is based on a credit score of 700 and a maximum Loan-To-Value (LTV) of 120% of retail value or MSRP value for new vehicles. Published rate includes a 0.25% discount given when you maintain automatic electronic payments. To qualify for the automatic payment rate discount, loan payments must be made automatically from an internal People's checking account. An ACH authorization form must be completed at closing. Rate is subject to increase upon cancellation or cessation of the discount program. Other rates available based on creditworthiness. Monthly payment is advertised for the full term of the loan.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 5.34% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.51%
Auto - 2023-2026 Loan
-
-
5.49%
63 Months
No additional details.
Last Updated10/09/2026
Rate History
1 change since Sep 18, 2026 · 5.34% → 5.49% ▲ 0.15 pts · high 5.49% / low 5.34%
Oct 9, 20265.49%▲ from 5.34%
Sep 18, 20265.34%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.51%
Auto - 2023-2026 Loan
-
-
5.49%
66 Months
No additional details.
Last Updated10/09/2026
Rate History
1 change since Sep 18, 2026 · 5.34% → 5.49% ▲ 0.15 pts · high 5.49% / low 5.34%
Oct 9, 20265.49%▲ from 5.34%
Sep 18, 20265.34%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.51%
2019-2021 Auto Loan
-
-
5.50%
63 months
DetailsInterest Rates are subject to change without notice. Annual Percentage Rate (APR) subject to change without notice. Advertised APR is based on a credit score of 700 and a maximum Loan-To-Value (LTV) of 120% of retail value or MSRP value for new vehicles. Published rates includes a 0.25% discount given when you maintain automatic electronic payments. To qualify for the automatic payment rate discount, loan payments must be made automatically from a People's checking account. An ACH authorization form must be completed at closing. Rate is subject to increase upon cancellation or cessation of the discount program. Other rates available based on creditworthiness. Monthly payment is advertised for the full term of the loan.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 5.50% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.51%
2022-2025 Auto Loan
-
-
5.50%
72 months
DetailsAdvertised APR is based on a credit score of 700 and a maximum Loan-To-Value (LTV) of 120% of retail value or MSRP value for new vehicles. Published rate includes a 0.25% discount given when you maintain automatic electronic payments. To qualify for the automatic payment rate discount, loan payments must be made automatically from an internal People's checking account. An ACH authorization form must be completed at closing. Rate is subject to increase upon cancellation or cessation of the discount program. Other rates available based on creditworthiness. Monthly payment is advertised for the full term of the loan.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 5.50% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.51%
2019-2021 Auto Loan
-
-
5.74%
66 months
DetailsInterest Rates are subject to change without notice. Annual Percentage Rate (APR) subject to change without notice. Advertised APR is based on a credit score of 700 and a maximum Loan-To-Value (LTV) of 120% of retail value or MSRP value for new vehicles. Published rates includes a 0.25% discount given when you maintain automatic electronic payments. To qualify for the automatic payment rate discount, loan payments must be made automatically from a People's checking account. An ACH authorization form must be completed at closing. Rate is subject to increase upon cancellation or cessation of the discount program. Other rates available based on creditworthiness. Monthly payment is advertised for the full term of the loan.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 5.74% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.51%
Auto - 2020-2022 Loan
-
-
5.74%
63 Months
No additional details.
Last Updated10/09/2026
Rate History
1 change since Sep 18, 2026 · 5.54% → 5.74% ▲ 0.20 pts · high 5.74% / low 5.54%
Oct 9, 20265.74%▲ from 5.54%
Sep 18, 20265.54%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.51%
Auto - 2020-2022 Loan
-
-
5.74%
66 Months
No additional details.
Last Updated10/09/2026
Rate History
1 change since Sep 18, 2026 · 5.54% → 5.74% ▲ 0.20 pts · high 5.74% / low 5.54%
Oct 9, 20265.74%▲ from 5.54%
Sep 18, 20265.54%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.51%
Auto - 2023-2026 Loan
-
-
5.74%
75 Months
No additional details.
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 5.79% → 5.74% ▼ 0.05 pts · high 5.79% / low 5.74%
Oct 9, 20265.74%▼ from 5.79%
Sep 14, 20265.79%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.51%
Auto - 2020-2022 Loan
-
-
6.14%
75 Months
No additional details.
Last Updated10/09/2026
Rate History
1 change since Sep 18, 2026 · 5.99% → 6.14% ▲ 0.15 pts · high 6.14% / low 5.99%
Oct 9, 20266.14%▲ from 5.99%
Sep 18, 20265.99%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.51%
2016-2018 Auto Loan
-
-
6.24%
63 months
DetailsInterest Rates are subject to change without notice. Annual Percentage Rate (APR) subject to change without notice. Advertised APR is based on a credit score of 700 and a maximum Loan-To-Value (LTV) of 120% of retail value or MSRP value for new vehicles. Published rates includes a 0.25% discount given when you maintain automatic electronic payments. To qualify for the automatic payment rate discount, loan payments must be made automatically from a People's checking account. An ACH authorization form must be completed at closing. Rate is subject to increase upon cancellation or cessation of the discount program. Other rates available based on creditworthiness. Monthly payment is advertised for the full term of the loan.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 6.24% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.51%
2022-2025 Auto Loan
-
-
6.74%
84 months
DetailsAdvertised APR is based on a credit score of 700 and a maximum Loan-To-Value (LTV) of 120% of retail value or MSRP value for new vehicles. Published rate includes a 0.25% discount given when you maintain automatic electronic payments. To qualify for the automatic payment rate discount, loan payments must be made automatically from an internal People's checking account. An ACH authorization form must be completed at closing. Rate is subject to increase upon cancellation or cessation of the discount program. Other rates available based on creditworthiness. Monthly payment is advertised for the full term of the loan. Minimum loan amount of $25,000 with maximum mileage of 25,000 with terms of 84 months.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 6.74% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.51%
Auto - 2023-2026 Loan
-
-
6.74%
84 Months
Details84** Months
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 6.64% → 6.74% ▲ 0.10 pts · high 6.74% / low 6.64%
Oct 9, 20266.74%▲ from 6.64%
Sep 14, 20266.64%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.51%
Auto - 2017-2019 Loan
-
-
6.90%
66 month
No additional details.
Last Updated10/09/2026
Rate History
1 change since Sep 18, 2026 · 6.70% → 6.90% ▲ 0.20 pts · high 6.90% / low 6.70%
Oct 9, 20266.90%▲ from 6.70%
Sep 18, 20266.70%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.51%
Auto - 2016 Loan
-
-
7.10%
66 months
No additional details.
Last Updated10/09/2026
Rate History
1 change since Sep 18, 2026 · 7.24% → 7.10% ▼ 0.14 pts · high 7.24% / low 7.10%
Oct 9, 20267.10%▼ from 7.24%
Sep 18, 20267.24%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.51%
Auto - 2017-2019 Loan
-
-
7.54%
75 month
No additional details.
Last Updated10/09/2026
Rate History
1 change since Sep 18, 2026 · 7.24% → 7.54% ▲ 0.30 pts · high 7.54% / low 7.24%
Oct 9, 20267.54%▲ from 7.24%
Sep 18, 20267.24%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.51%
The Peoples Credit Union RV, Boat and Powersport Loan Rates
Product
Rate
APR
Term
View More
Motorcycle - 2021-2024 Loan
-
7.49%
60 Months
No additional details.
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 7.49% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.51%
Motorcycle - 2019-2020 Loan
-
7.99%
72 Months
No additional details.
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 7.99% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.51%
The Peoples Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
Any Purpose Loan
-
-
9.99%
DetailsAs Low As
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 9.99% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.51%
Any Purpose Loan
-
-
13.75%
DetailsAdditional APR listed for this product: 15.25%. Maximum amount of line: $15,000. Advertised APR based on a credit score of 700 or higher. Other rates available based on creditworthiness.
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 15.25% → 13.75% ▼ 1.50 pts · high 15.25% / low 13.75%
Sep 22, 202613.75%▼ from 15.25%
Sep 14, 202615.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.51%
Construction to Permanent Fixed Rate
7.125%
0.500
7.201%
Last Updated10/09/2026
Rate History
2 changes since Sep 14, 2026 · 6.44% → 7.20% ▲ 0.76 pts · high 7.20% / low 6.44%
Oct 9, 20267.20%▲ from 6.69%
Oct 1, 20266.69%▲ from 6.44%
Sep 14, 20266.44%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.51%
Fixed Rate Home
6.00%
-
6.00%
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 6.00% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.51%
Line of Credit
-
-
13.75%
DetailsAs Low As
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 14.75% → 13.75% ▼ 1.00 pts · high 14.75% / low 13.75%
Sep 22, 202613.75%▼ from 14.75%
Sep 14, 202614.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.51%
Low-Rate Loan
-
-
12.74%
DetailsIntro APR: 0.00%; Regular APR: 12.74%
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 12.49% → 12.74% ▲ 0.25 pts · high 12.74% / low 12.49%
Sep 22, 202612.74%▲ from 12.49%
Sep 14, 202612.49%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.51%
People's CU Low-Rate Loan
-
-
12.49%
DetailsPublished APR range: 12.49% to 15.99%. Lowest APR for Purchases
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 12.49% APR · checked 5 times
No change since Sep 14, 2026 · 15.99% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.51%
Rewards Loan
-
-
16.24%
DetailsIntro APR: 0.00%; Regular APR: 16.24%
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 15.99% → 16.24% ▲ 0.25 pts · high 16.24% / low 15.99%
Sep 22, 202616.24%▲ from 15.99%
Sep 14, 202615.99%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.51%
Financial Health History
The Peoples Credit Union’s Texas Ratio rose from 3.37% in Q3 2023 to 4.51% 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
$811M
4.51%
5.0
A+
March 31, 2026
$802M
3.20%
5.0
A+
December 31, 2025
$808M
3.32%
5.0
A+
September 30, 2025
$810M
3.35%
5.0
A+
June 30, 2025
$799M
2.24%
5.0
A+
March 31, 2025
$772M
2.82%
5.0
A+
December 31, 2024
$747M
2.92%
5.0
A+
September 30, 2024
$750M
3.52%
5.0
A+
June 30, 2024
$741M
2.15%
5.0
A+
March 31, 2024
$712M
2.99%
5.0
A+
December 31, 2023
$718M
3.61%
5.0
A+
September 30, 2023
$707M
3.37%
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 The Peoples 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 The Peoples 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 The Peoples 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)
69,623,962
Total Uninsured Shares and Deposits > $250K (F+J)
69,623,962
Total Insured Shares and Deposits > $250K (item 17 less item K)
569,482,148
Total Interest Expense (Sum of items 6 8)
5,939,410
Share Certificates
3,729
Number of Accounts for Share Drafts
23,611
IRA KEOGH Accounts
740
Number of Accounts for Regular Shares
23,600
All other shares
1,491
Money Market Shares
1,792
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)
25,721,581
Total Liabilities
738,132,917
Source: NCUA — Last Updated 06/30/2026
Q2 2026 MBR Health & Safety Badge
The Peoples 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.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
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Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About The Peoples Credit Union
How many branches does The Peoples Credit Union operate?
The Peoples 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 The Peoples Credit Union?
Yes, to access services at The Peoples 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, The Peoples 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, The Peoples Credit Union provides members with tools to manage their accounts and build a solid financial history.
Does The Peoples Credit Union offer online and mobile banking?
Most modern institutions like The Peoples 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.peoplescu.com.
Current The Peoples Credit Union Rates
12-Month CD4.00%
18-Month CD3.50%
24-Month CD3.50%
60-Month CD2.35%
Savings0.50%
MMA3.00%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
