What are the current interest rates at The Peoples Federal Credit Union?

Current rates for The Peoples Federal Credit Union include: 12-Month CD: 3.50%, 24-Month CD: 2.75%

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The Peoples Federal Credit Union

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The Peoples Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, The Peoples 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 12, 2026

The Peoples Federal Credit Union's top rates as of October 12, 2026 are 3.50% APY on its 12 Month CD of Deposit, personal loans from 8.00% APR, and credit cards from 7.90% APR, according to rates verified by MonitorBankRates. Other The Peoples Federal Credit Union CD rates include 6 Month CD of Deposit at 3.40%, and 24 Month CD of Deposit at 2.75%. MonitorBankRates evaluates the financial stability of The Peoples Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.80%. Rates last updated and verified on 10/12/2026.

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

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

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

7.80%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

The Peoples Federal Credit Union
Hill

7200 Hillside Rd
Amarillo, TX 79109-7460

https://www.tpfcu.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.

The Peoples Federal Credit Union CD Rates

Product	Rate	APY	Term
12 Month Certificate of Deposit	3.46%	3.50%	12 Months
Min Deposit $5,000 Details Payout Frequency: Paid quarterly Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.80%
6 Month Certificate of Deposit	3.38%	3.40%	6 Months
Min Deposit $5,000 Details Payout Frequency: At maturity Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.80%
24 Month Certificate of Deposit	2.72%	2.75%	24 Months
Min Deposit $5,000 Details Payout Frequency: Paid quarterly Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.80%

The Peoples Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New & Used Vehicles	4.29%	-	4.29%	3 years
Details As Low As; Rate includes both discounts Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 4.29% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.80%
New & Used Vehicles	4.29%	-	4.29%	4 years
Details Rate includes both discounts Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 4.29% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.80%
New & Used Vehicles	4.59%	-	4.59%	5 years
Details Rate includes both discounts Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 4.59% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.80%
New & Used Vehicles	4.59%	-	4.59%	6 years
Details Rate includes both discounts Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 4.59% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.80%
New & Used Vehicles	4.99%	-	4.99%	7 years
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 4.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.80%

The Peoples Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New & Used Recreational Vehicles	5.79%	5.79%	3 years
Details As Low As; Rate includes both discounts Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 5.79% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.80%
New & Used Recreational Vehicles	5.79%	5.79%	4 years
Details Rate includes both discounts Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 5.79% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.80%
New & Used Recreational Vehicles	6.09%	6.09%	5 years
Details Rate includes both discounts Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 6.09% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.80%
New & Used Recreational Vehicles	6.09%	6.09%	6 years
Details Rate includes both discounts Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 6.09% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.80%
New & Used Recreational Vehicles	6.49%	6.49%	7 years
Details Rate includes both discounts Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 6.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.80%

The Peoples Federal Credit Union Credit Card Rates

Product	Rate	APR
MasterCard Credit Card - without Rewards	-	7.90%
Details Credit limit: $15,000.00 and under; Regular APR; rates quoted at APR and based on credit score and qualifying discounts Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 7.90% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.80%
MasterCard Credit Card - with Rewards Program	-	9.90%
Details Credit limit: $15,000.00 and under; Rewards Program; rates quoted at APR and based on credit score and qualifying discounts Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 9.90% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.80%

The Peoples Federal Credit Union Personal Loan Rates

Product	APR	Term
Vacation or Christmas Loan - Unsecured	8.00%	1 years
Details Rate quoted as APR per page footnote Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 8.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.80%
Signature Loans - Unsecured	10.00%	1 years
Details Rate quoted as APR per page footnote Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 10.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.80%
Signature Loans - Unsecured	11.00%	2 years
Details Rate quoted as APR per page footnote Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 11.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.80%
Credit Builder Loan - Unsecured	12.00%	2 years
Details Rate quoted as APR per page footnote Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 12.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.80%
Signature Loans - Unsecured	12.00%	3 years
Details Rate quoted as APR per page footnote Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 12.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.80%
Line of Credit - Unsecured	13.00%
Details Rate is based on individual credit score and term of the loan; all rates quoted at APR; rates based on qualifying discounts Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 13.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.80%

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

The Peoples Federal Credit Union’s Texas Ratio rose from 3.73% in Q3 2023 to 7.80% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. 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	$229M	7.80%	5.0	A
March 31, 2026	$225M	7.88%	5.0	A
December 31, 2025	$221M	9.04%	5.0	A
September 30, 2025	$218M	10.36%	5.0	A
June 30, 2025	$216M	9.61%	5.0	A
March 31, 2025	$215M	8.18%	5.0	A
December 31, 2024	$210M	8.78%	5.0	A
September 30, 2024	$210M	6.35%	5.0	A
June 30, 2024	$209M	4.89%	5.0	A+
March 31, 2024	$208M	5.34%	5.0	A+
December 31, 2023	$206M	5.50%	5.0	A+
September 30, 2023	$205M	3.73%	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 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 The Peoples 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 The Peoples Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name The Peoples Federal Credit Union

Website https://www.tpfcu.com

Address 7200 Hillside Rd, Amarillo, TX 79109-7460

Phone 806-359-8571

Fax 806-242-1137

President Christie Brown Stewart

CEO Arthur Hornell, Jr.

Full-Time Employees 57

Part-Time Employees 13

Branch Locations 5

ATM Locations 5

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

7.80%

Return on Assets (ROA)

0.2583%

Return on Equity (ROE)

2.9392%

Non-Performing Loans Ratio (NPL)

1.15%

Total Assets

229,006,059

Total Amount of Shares and Deposits

210,115,690

Total Shares and Deposits < 1 Year

209,282,903

Total Shares and Deposits 1 3 Years

832,787

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

2,012,206

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

2,012,206

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

208,103,484

Total Interest Expense (Sum of items 6 8)

752,207

Share Certificates

426

Number of Accounts for Share Drafts

12,296

IRA KEOGH Accounts

266

Number of Accounts for Regular Shares

18,300

All other shares

1,991

Non Member Deposits

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

353,067

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)

25,020,480

Total Liabilities

212,130,417

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

The Peoples 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 The Peoples Federal Credit Union

How many branches does The Peoples Federal Credit Union operate?

The Peoples 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 The Peoples Federal Credit Union?

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

Does The Peoples Federal Credit Union offer online and mobile banking?

Most modern institutions like The Peoples 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.tpfcu.com.