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Tri Boro Federal Credit Union

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Tri Boro Federal Credit Union Rates & Review November 2026

Q: What are the current interest rates at Tri Boro Federal Credit Union?

Current rates for Tri Boro Federal Credit Union include: 12-Month CD: 2.40%, 18-Month CD: 3.00%, 24-Month CD: 2.90%, 60-Month CD: 2.80%

Q: What CD terms does Tri Boro Federal Credit Union offer?

Tri Boro Federal Credit Union CD rates are 4.25% APY for a 9 month CD, 3.00% APY for a 12 month CD, 4.50% APY for a 17 month CD, 3.00% APY for an 18 month CD, 2.90% APY for a 2 year CD and 2.80% APY for a 5 year CD, verified by MonitorBankRates as of October 28, 2026. The institution may offer other terms or specials that are not listed here, so check with Tri Boro Federal Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 28, 2026

Tri Boro Federal Credit Union's 17 Month CD rates are at 4.50%, 9 Month CD rates are at 4.25%, 12 Month CD rates are at 3.00%, 18 Month CD rates are at 3.00%, 24 Month CD rates are at 2.90%. Tri Boro Federal Credit Union's First Mortgage - 15 Years rates are at 5.50%, First Mortgage - 10 Years rates are at 5.50%, First Mortgage - 20 Years rates are at 5.75%, First Mortgage - 30 Years rates are at 5.88%. Tri Boro Federal Credit Union's Auto Loan Rates are as low as 5.99%. Tri Boro Federal Credit Union's Credit Card Rates are at 6.99%. Tri Boro Federal Credit Union's CD rates are 3% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Tri Boro Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.26%. Rates last updated and verified on 10/28/2026.

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

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.26%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Tri Boro Federal Credit Union
Tri Boro FCU

600 E 8th Ave
Munhall, PA 15120-1906

https://www.triboro-fcu.org/

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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.

Tri Boro Federal Credit Union CD Rates

Product	Rate	APY	Term
17 Month Certificate	4.43%	4.50%	17 months
Min Balance $2,500 Details Limited time special; Effective Date: October 13, 2026 Last Updated 10/28/2026 Rate History 3 changes since Sep 16, 2026 · 4.05% → 4.50% ▲ 0.45 pts · high 4.50% / low 4.05% Oct 15, 20264.50%▲ from 4.05% Oct 12, 20264.05%▼ from 4.35% Sep 25, 20264.35%▲ from 4.05% Sep 16, 20264.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
9 Month Certificate	4.19%	4.25%	9 months
Min Balance $1,000 Details Limited time special; Effective Date: October 13, 2026 Last Updated 10/28/2026 Rate History 3 changes since Sep 16, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90% Oct 15, 20264.25%▲ from 3.90% Oct 12, 20263.90%▼ from 4.10% Sep 25, 20264.10%▲ from 3.90% Sep 16, 20263.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
5 Year IRA Certificate	3.36%	3.40%	5 years
Min Balance $500 Details Effective Date: October 13, 2026 Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 3.40% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
3 Year IRA Certificate	3.12%	3.15%	3 years
Min Balance $500 Details Effective Date: October 13, 2026 Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 3.15% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
12 Month Certificate	2.97%	3.00%	12 months
Min Balance $500 Details Effective Date: October 13, 2026 Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 3.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
18 Month Certificate	2.97%	3.00%	18 months
Min Balance $500 Details Effective Date: October 13, 2026 Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 3.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
24 Month Certificate	2.87%	2.90%	24 months
Min Balance $500 Details Effective Date: October 13, 2026 Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 2.90% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
36 Month Certificate	2.86%	2.90%	36 months
Min Balance $500 Details Effective Date: October 13, 2026 Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 2.90% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
48 Month Certificate	2.75%	2.80%	48 months
Min Balance $500 Details Effective Date: October 13, 2026 Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 2.80% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
60 Month Certificate	2.78%	2.80%	60 months
Min Balance $500 Details Effective Date: October 13, 2026 Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 2.80% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
1 Year IRA Certificate	2.38%	2.40%	1 year
Min Balance $500 Details Effective Date: October 13, 2026 Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 2.40% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
6 Month Certificate	1.99%	2.00%	6 months
Min Balance $1,000 Details Effective Date: October 13, 2026 Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 2.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%

Tri Boro Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
First Mortgage - 15 Years	5.50%	0.000	5.601%	15 Years
Details Financing up to 95% LTV; Effective Date: April 1, 2026; Rates as low as 5.500% + 0 points; $5,000.00 minimum on First Mortgage Loans; Loans over $550,000 add 1/8% to base rate; Loans over 80% LTV require PMI; Maximum LTV 95% Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 5.60% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
First Mortgage - 10 Years	5.50%	0.000	5.643%	10 Years
Details Financing up to 95% LTV; Effective Date: April 1, 2026; Rates as low as 5.500% + 0 points; $5,000.00 minimum on First Mortgage Loans; Loans over $550,000 add 1/8% to base rate; Loans over 80% LTV require PMI; Maximum LTV 95% Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 5.64% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
First Mortgage - 20 Years	5.75%	0.000	5.83%	20 Years
Details Financing up to 95% LTV; Effective Date: April 1, 2026; Rates as low as 5.750% + 0 points; $5,000.00 minimum on First Mortgage Loans; Loans over $550,000 add 1/8% to base rate; Loans over 80% LTV require PMI; Maximum LTV 95% Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 5.83% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
First Mortgage - 30 Years	5.875%	0.000	5.935%	30 Years
Details Financing up to 95% LTV; Effective Date: April 1, 2026; Rates as low as 5.875% + 0 points; $5,000.00 minimum on First Mortgage Loans; Loans over $550,000 add 1/8% to base rate; Loans over 80% LTV require PMI; Maximum LTV 95% Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 5.94% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%

Tri Boro Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Fixed Rate Home Equity	-	-	4.99%	7 year
Details As Low As; Membership eligibility required; loan amounts exceeding 80% LTV up to 90% LTV are 1.00% higher; minimum $15,000 new money financed; 4.99% APR is an 84-month term based on A+ credit as a first lien; $250.00 rebate for closing costs on loans that are funded Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 4.99% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
1st Lien Position Home Equity	-	-	5.75%	5 Years
Details As Low As; Maximum LTV: 80%; Lien position: 1st; Loans under $150,000 pay closing costs of $399.00; First position rate 1.00% higher for loan amounts over 80% LTV, up to 90% LTV max; Rates determined by member's credit worthiness Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 5.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
Fixed Rate Home Equity	-	-	5.99%	12 year
Details As Low As; Membership eligibility required; loan amounts exceeding 80% LTV up to 90% LTV are 1.00% higher; minimum $15,000 new money financed; 5.99% APR is a 144-month term based on A+ credit as a first lien; $250.00 rebate for closing costs on loans that are funded Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 5.99% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
1st Lien Position Home Equity	-	-	6.00%	10 Years
Details As Low As; Maximum LTV: 80%; Lien position: 1st; Loans under $150,000 pay closing costs of $399.00; First position rate 1.00% higher for loan amounts over 80% LTV, up to 90% LTV max; Rates determined by member's credit worthiness Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 6.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
1st Lien Position Home Equity	-	-	6.25%	15 Years
Details As Low As; Maximum LTV: 80%; Lien position: 1st; Loans under $150,000 pay closing costs of $399.00; First position rate 1.00% higher for loan amounts over 80% LTV, up to 90% LTV max; Rates determined by member's credit worthiness Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 6.25% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
2nd Lien Position Home Equity	-	-	6.25%	5 Years
Details As Low As; Maximum LTV: 80%; Lien position: 2nd; Loans under $150,000 pay closing costs of $399.00; Second position rate 1.50% higher for loan amounts over 80% LTV, up to 90% LTV max; Rates determined by member's credit worthiness Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 6.25% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
1st Lien Position Home Equity	-	-	6.50%	20 Years
Details As Low As; Maximum LTV: 80%; Lien position: 1st; Loans under $150,000 pay closing costs of $399.00; First position rate 1.00% higher for loan amounts over 80% LTV, up to 90% LTV max; Rates determined by member's credit worthiness Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 6.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
2nd Lien Position Home Equity	-	-	6.50%	10 Years
Details As Low As; Maximum LTV: 80%; Lien position: 2nd; Loans under $150,000 pay closing costs of $399.00; Second position rate 1.50% higher for loan amounts over 80% LTV, up to 90% LTV max; Rates determined by member's credit worthiness Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 6.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
2nd Lien Position Home Equity	-	-	6.75%	15 Years
Details As Low As; Maximum LTV: 80%; Lien position: 2nd; Loans under $150,000 pay closing costs of $399.00; Second position rate 1.50% higher for loan amounts over 80% LTV, up to 90% LTV max; Rates determined by member's credit worthiness Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 6.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
Home Equity Check Credit	-	-	6.75%
Details As Low As; Term: Variable; Loans under $150,000 pay closing costs of $399.00; Rates determined by member's credit worthiness Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 6.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
2nd Lien Position Home Equity	-	-	7.00%	20 Years
Details As Low As; Maximum LTV: 80%; Lien position: 2nd; Loans under $150,000 pay closing costs of $399.00; Second position rate 1.50% higher for loan amounts over 80% LTV, up to 90% LTV max; Rates determined by member's credit worthiness Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 7.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%

Tri Boro Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Car/Truck Loan	-	-	5.99%	Less than 60 Months
Details As Low As; Effective Date: October 15, 2026; New Autos (2027/2025) less than 5,000 miles; .25% added for refinance of existing Tri Boro loan; Financing must originate at Tri Boro FCU Last Updated 10/28/2026 Rate History 1 change since Sep 16, 2026 · 5.69% → 5.99% ▲ 0.30 pts · high 5.99% / low 5.69% Oct 23, 20265.99%▲ from 5.69% Sep 16, 20265.69%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
New Car/Truck Loan	-	-	6.09%	Up to 63 Months
Details As Low As; Effective Date: October 15, 2026; New Autos (2027/2025) less than 5,000 miles; .25% added for refinance of existing Tri Boro loan; Financing must originate at Tri Boro FCU Last Updated 10/28/2026 Rate History 1 change since Sep 16, 2026 · 5.79% → 6.09% ▲ 0.30 pts · high 6.09% / low 5.79% Oct 23, 20266.09%▲ from 5.79% Sep 16, 20265.79%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
Used Car/Truck Loan	-	-	6.19%	Up to 63 Months
Details As Low As; Effective Date: October 15, 2026; .25% added for refinance of an existing Tri Boro loan; Financing must originate at Tri Boro FCU Last Updated 10/28/2026 Rate History 1 change since Sep 16, 2026 · 5.89% → 6.19% ▲ 0.30 pts · high 6.19% / low 5.89% Oct 23, 20266.19%▲ from 5.89% Sep 16, 20265.89%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
New Car/Truck Loan	-	-	6.49%	Up to 75 Months
Details As Low As; Effective Date: October 15, 2026; New Autos (2027/2025) less than 5,000 miles; .25% added for refinance of existing Tri Boro loan; Financing must originate at Tri Boro FCU Last Updated 10/28/2026 Rate History 1 change since Sep 16, 2026 · 6.19% → 6.49% ▲ 0.30 pts · high 6.49% / low 6.19% Oct 23, 20266.49%▲ from 6.19% Sep 16, 20266.19%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
Used Car/Truck Loan	-	-	6.69%	Up to 75 Months
Details As Low As; Effective Date: October 15, 2026; .25% added for refinance of an existing Tri Boro loan; Financing must originate at Tri Boro FCU Last Updated 10/28/2026 Rate History 1 change since Sep 16, 2026 · 6.39% → 6.69% ▲ 0.30 pts · high 6.69% / low 6.39% Oct 23, 20266.69%▲ from 6.39% Sep 16, 20266.39%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
New Car/Truck Loan	-	-	6.99%	Up to 84 Months
Details As Low As; Effective Date: October 15, 2026; New Autos (2027/2025) less than 5,000 miles; .25% added for refinance of existing Tri Boro loan; Financing must originate at Tri Boro FCU Last Updated 10/28/2026 Rate History 1 change since Sep 16, 2026 · 6.69% → 6.99% ▲ 0.30 pts · high 6.99% / low 6.69% Oct 23, 20266.99%▲ from 6.69% Sep 16, 20266.69%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
Used Car/Truck Loan	-	-	9.29%	Up to 48 Months
Details As Low As; Older Model Vehicles (2017 & Older); Effective Date: October 15, 2026; .25% added for refinance of an existing Tri Boro loan; Financing must originate at Tri Boro FCU Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 9.29% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%

Tri Boro Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New Motorcycle Loan	-	7.74%	Up to 63 Months
Details As Low As; Effective Date: April 1, 2026; .25% added for refinance of an existing Tri Boro loan; Financing must originate at Tri Boro FCU Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 7.74% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
New RV/Boat Loan	-	7.74%	Up to 63 Months
Details As Low As; Effective Date: April 1, 2026; .25% added for refinance of existing Tri Boro loan; Financing must originate at Tri Boro FCU Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 7.74% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
Used Motorcycle Loan	-	7.84%	Up to 63 Months
Details As Low As; Effective Date: April 1, 2026; .25% added for refinance of an existing Tri Boro loan; Financing must originate at Tri Boro FCU Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 7.84% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
Used RV/Boat Loan	-	7.84%	Up to 63 Months
Details As Low As; Effective Date: April 1, 2026; .25% added for refinance of existing Tri Boro loan; Financing must originate at Tri Boro FCU Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 7.84% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
New Motorcycle Loan	-	8.04%	Up to 75 Months
Details As Low As; Effective Date: April 1, 2026; .25% added for refinance of an existing Tri Boro loan; Financing must originate at Tri Boro FCU Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 8.04% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
New RV/Boat Loan	-	8.04%	Up to 75 Months
Details As Low As; Effective Date: April 1, 2026; .25% added for refinance of existing Tri Boro loan; Financing must originate at Tri Boro FCU Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 8.04% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
Used Motorcycle Loan	-	8.14%	Up to 75 Months
Details As Low As; Effective Date: April 1, 2026; .25% added for refinance of an existing Tri Boro loan; Financing must originate at Tri Boro FCU Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 8.14% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
Used RV/Boat Loan	-	8.14%	Up to 75 Months
Details As Low As; Effective Date: April 1, 2026; .25% added for refinance of existing Tri Boro loan; Financing must originate at Tri Boro FCU Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 8.14% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
New RV/Boat Loan	-	8.74%	Up to 84 Months
Details As Low As; Effective Date: April 1, 2026; .25% added for refinance of existing Tri Boro loan; Financing must originate at Tri Boro FCU Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 8.74% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
New RV/Boat Loan	-	9.24%	Up to 120 Months
Details As Low As; Effective Date: April 1, 2026; .25% added for refinance of existing Tri Boro loan; Financing must originate at Tri Boro FCU Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 9.24% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
New ATV Loan - Up to 54 Months	-	9.45%	Up to 54 Months
Details As Low As; APR* As Low As; New ATV; Financing must originate at Tri Boro FCU; .25% added for refinance of existing Tri Boro loan Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 9.45% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
Used ATV Loan - Up to 54 Months	-	9.70%	Up to 54 Months
Details As Low As; APR* As Low As; Used ATV; Financing must originate at Tri Boro FCU; .25% added for refinance of existing Tri Boro loan Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 9.70% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
New RV/Boat Loan	-	9.74%	Up to 180 Months
Details As Low As; Effective Date: April 1, 2026; .25% added for refinance of existing Tri Boro loan; Financing must originate at Tri Boro FCU Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 9.74% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
Used RV/Boat Loan	-	9.74%	Up to 84 Months
Details As Low As; Effective Date: April 1, 2026; .25% added for refinance of existing Tri Boro loan; Financing must originate at Tri Boro FCU Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 9.74% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
New ATV Loan - Up to 63 Months	-	9.75%	Up to 63 Months
Details As Low As; APR* As Low As; New ATV; Financing must originate at Tri Boro FCU; .25% added for refinance of existing Tri Boro loan Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 9.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
Used RV/Boat Loan	-	9.94%	Up to 120 Months
Details As Low As; Effective Date: April 1, 2026; .25% added for refinance of existing Tri Boro loan; Financing must originate at Tri Boro FCU Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 9.94% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
Used ATV Loan - Up to 63 Months	-	10.00%	Up to 63 Months
Details As Low As; APR* As Low As; Used ATV; Financing must originate at Tri Boro FCU; .25% added for refinance of existing Tri Boro loan Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 10.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
New ATV Loan - Up to 75 Months	-	10.25%	Up to 75 Months
Details As Low As; APR* As Low As; New ATV; Financing must originate at Tri Boro FCU; .25% added for refinance of existing Tri Boro loan Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 10.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
Used RV/Boat Loan	-	10.44%	Up to 180 Months
Details As Low As; Effective Date: April 1, 2026; .25% added for refinance of existing Tri Boro loan; Financing must originate at Tri Boro FCU Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 10.44% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
Used ATV Loan - Up to 75 Months	-	10.50%	Up to 75 Months
Details As Low As; APR* As Low As; Used ATV; Financing must originate at Tri Boro FCU; .25% added for refinance of existing Tri Boro loan Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 10.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
Older Model Motorcycle Loan (2017 & Older)	-	11.19%	Up to 48 Months
Details As Low As; Effective Date: April 1, 2026; Older vehicles subject to a Condition Report; .25% added for refinance of an existing Tri Boro loan; Financing must originate at Tri Boro FCU Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 11.19% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
Older Model RV or Boat (2017 & Older) Loan	-	11.19%	Up to 48 Months
Details As Low As; Effective Date: April 1, 2026; .25% added for refinance of existing Tri Boro loan; Financing must originate at Tri Boro FCU Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 11.19% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
Older Model RV or Boat (2017 & Older) Loan	-	12.19%	Up to 84 Months
Details As Low As; Effective Date: April 1, 2026; .25% added for refinance of existing Tri Boro loan; Financing must originate at Tri Boro FCU Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 12.19% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
Older Model RV or Boat (2017 & Older) Loan	-	12.69%	Up to 120 Months
Details As Low As; Effective Date: April 1, 2026; .25% added for refinance of existing Tri Boro loan; Financing must originate at Tri Boro FCU Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 12.69% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
Older Model RV or Boat (2017 & Older) Loan	-	13.19%	Up to 180 Months
Details As Low As; Effective Date: April 1, 2026; .25% added for refinance of existing Tri Boro loan; Financing must originate at Tri Boro FCU Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 13.19% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%

Tri Boro Federal Credit Union Credit Card Rates

Product	Rate	APR
Initial Classic VISA	-	6.99%
Details APR Fixed Rate; Limits: Up to $1,000; Minimum credit line $250.00; $10.00 Annual Fee Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 6.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
Platinum Preferred VISA	-	9.90%
Details APR Fixed Rate; Limits: Up to $15,000; $10.00 Annual Fee Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 9.90% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
Classic VISA	-	12.75%
Details APR Fixed Rate; Limits: Up to $10,000; $10.00 Annual Fee Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 12.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%

Tri Boro Federal Credit Union Other Rates

Product	Rate	Points	APY/APR
Premium Business Money Fund	2.03%	-	2.03%
Details Balance: $25,000.00-$49,999.99; Effective Date: 12/01/2023 Last Updated 10/28/2026 Rate History 1 change since Oct 4, 2026 · 2.05% → 2.03% ▼ 0.02 pts · high 2.05% / low 2.03% Oct 28, 20262.03%▼ from 2.05% Oct 4, 20262.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
Premium Business Money Fund	2.13%	-	2.13%
Details Balance: $50,000.00-$99,999.99; Effective Date: 12/01/2023 Last Updated 10/28/2026 Rate History 1 change since Oct 4, 2026 · 2.15% → 2.13% ▼ 0.02 pts · high 2.15% / low 2.13% Oct 28, 20262.13%▼ from 2.15% Oct 4, 20262.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
Premium Business Money Fund	2.23%	-	2.23%
Details Balance: $100,000.00 and above; Effective Date: 12/01/2023 Last Updated 10/28/2026 Rate History 1 change since Oct 4, 2026 · 2.25% → 2.23% ▼ 0.02 pts · high 2.25% / low 2.23% Oct 28, 20262.23%▼ from 2.25% Oct 4, 20262.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
Premium Money Fund	2.03%	-	2.03%
Details Balance: $25,000.00-$49,999.99; Effective Date: 12/01/2023 Last Updated 10/28/2026 Rate History 1 change since Sep 25, 2026 · 2.05% → 2.03% ▼ 0.02 pts · high 2.05% / low 2.03% Oct 28, 20262.03%▼ from 2.05% Sep 25, 20262.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
Premium Money Fund	2.13%	-	2.13%
Details Balance: $50,000.00-$99,999.99; Effective Date: 12/01/2023 Last Updated 10/28/2026 Rate History 1 change since Sep 25, 2026 · 2.15% → 2.13% ▼ 0.02 pts · high 2.15% / low 2.13% Oct 28, 20262.13%▼ from 2.15% Sep 25, 20262.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
Premium Money Fund	2.23%	-	2.23%
Details Balance: $100,000.00 and above; Effective Date: 12/01/2023 Last Updated 10/28/2026 Rate History 1 change since Sep 25, 2026 · 2.25% → 2.23% ▼ 0.02 pts · high 2.25% / low 2.23% Oct 28, 20262.23%▼ from 2.25% Sep 25, 20262.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%

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

Tri Boro Federal Credit Union’s Texas Ratio rose from 3.31% in Q3 2023 to 4.26% 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	$131M	4.26%	5.0	A+
March 31, 2026	$131M	1.72%	5.0	A+
December 31, 2025	$128M	2.37%	5.0	A+
September 30, 2025	$127M	1.31%	5.0	A+
June 30, 2025	$126M	3.52%	5.0	A+
March 31, 2025	$125M	2.27%	5.0	A+
December 31, 2024	$124M	3.05%	5.0	A+
September 30, 2024	$123M	3.63%	5.0	A+
June 30, 2024	$123M	3.15%	5.0	A+
March 31, 2024	$123M	2.43%	5.0	A+
December 31, 2023	$116M	2.75%	5.0	A+
September 30, 2023	$116M	3.31%	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 Tri Boro 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 Tri Boro 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 Tri Boro Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Tri Boro Federal Credit Union

Website https://www.triboro-fcu.org/

Address 600 E 8th Ave, Munhall, PA 15120-1906

Phone 412-461-3018

Fax 412-461-8722

President William Angotti

CEO Dennis Ferchak

Full-Time Employees 24

Part-Time Employees 5

Branch Locations 3

ATM Locations 2

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

4.26%

Return on Assets (ROA)

0.2944%

Return on Equity (ROE)

2.0298%

Non-Performing Loans Ratio (NPL)

0.94%

Total Assets

130,604,965

Total Amount of Shares and Deposits

111,418,562

Total Shares and Deposits < 1 Year

107,551,245

Total Shares and Deposits 1 3 Years

2,216,196

Total Shares and Deposits > 3 Years

1,651,120

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

2,199,039

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

2,199,039

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

109,219,523

Total Interest Expense (Sum of items 6 8)

783,064

Share Certificates

1,430

Number of Accounts for Share Drafts

3,611

IRA KEOGH Accounts

382

Number of Accounts for Regular Shares

10,100

Money Market Shares

187

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)

5,979,758

Total Liabilities

111,662,961

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Tri Boro Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
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       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Tri Boro Federal Credit Union

Does Tri Boro Federal Credit Union offer CDs?

Yes. Tri Boro Federal Credit Union current CD rates include its 17 Month CD at 4.50% APY, its 9 Month CD at 4.25% APY and its 12 Month CD at 3.00% APY, verified by MonitorBankRates as of October 28, 2026.

Are CDs from Tri Boro Federal Credit Union NCUA insured?

Yes. Tri Boro Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Tri Boro Federal Credit Union?

The highest Tri Boro Federal Credit Union CD rate is its 17 Month CD at 4.50% APY, verified by MonitorBankRates as of October 28, 2026.

What CD terms does Tri Boro Federal Credit Union offer?

Tri Boro Federal Credit Union CD rates are 4.25% APY for a 9 month CD, 3.00% APY for a 12 month CD, 4.50% APY for a 17 month CD, 3.00% APY for an 18 month CD, 2.90% APY for a 2 year CD and 2.80% APY for a 5 year CD, verified by MonitorBankRates as of October 28, 2026. The institution may offer other terms or specials that are not listed here, so check with Tri Boro Federal Credit Union for its full lineup.

What is the lowest mortgage rate at Tri Boro Federal Credit Union?

The lowest Tri Boro Federal Credit Union mortgage rate is its First Mortgage - 15 Years at 5.50%, verified by MonitorBankRates as of October 28, 2026. Tri Boro Federal Credit Union mortgage rates are 5.875% for a 30 year mortgage, 5.75% for a 20 year mortgage, 5.50% for a 15 year mortgage and 5.50% for a 10 year mortgage.

What is the lowest auto loan rate at Tri Boro Federal Credit Union?

The lowest Tri Boro Federal Credit Union auto loan rate is its New Car/Truck Loan at 5.99% APR, verified by MonitorBankRates as of October 28, 2026.

What is the lowest credit card APR at Tri Boro Federal Credit Union?

The lowest Tri Boro Federal Credit Union credit card APR is its Initial Classic VISA Credit Card at 6.99% APR, verified by MonitorBankRates as of October 28, 2026.

How many branches does Tri Boro Federal Credit Union operate?

Tri Boro 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 Tri Boro Federal Credit Union?

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

Does Tri Boro Federal Credit Union offer online and mobile banking?

Most modern institutions like Tri Boro 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.triboro-fcu.org/.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Tri Boro Federal Credit Union rates compare?

Tri Boro Federal Credit Union's CD rates are 3% higher than the MonitorBankRates national average, and it has an A+ health rating. Tri Boro Federal Credit Union's top rates are its 17 Month CD at 4.50% APY, its First Mortgage - 15 Years at 5.50%, its New Car/Truck Loan at 5.99% APR and its Initial Classic VISA Credit Card at 6.99% APR, verified by MonitorBankRates on October 28, 2026.

Current Tri Boro Federal Credit Union Rates

12-Month CD2.40%
18-Month CD3.00%
24-Month CD2.90%
60-Month CD2.80%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Tri Boro Federal Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Tri Boro Federal Credit Union Texas Ratio

Tri Boro Federal Credit Union Health Trend

Tri Boro Federal Credit Union CD Rates

Tri Boro Federal Credit Union Mortgage Rates

Tri Boro Federal Credit Union Home Equity & HELOC

Tri Boro Federal Credit Union Auto Loan Rates

Tri Boro Federal Credit Union RV, Boat and Powersport Loan Rates

Tri Boro Federal Credit Union Credit Card Rates

Tri Boro Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Tri Boro Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Tri Boro Federal Credit Union

Does Tri Boro Federal Credit Union offer CDs?

Are CDs from Tri Boro Federal Credit Union NCUA insured?

What is the highest CD rate at Tri Boro Federal Credit Union?

What CD terms does Tri Boro Federal Credit Union offer?

What is the lowest mortgage rate at Tri Boro Federal Credit Union?

What is the lowest auto loan rate at Tri Boro Federal Credit Union?

What is the lowest credit card APR at Tri Boro Federal Credit Union?

How many branches does Tri Boro Federal Credit Union operate?

Is a member application needed to join Tri Boro Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Tri Boro Federal Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Tri Boro Federal Credit Union rates compare?

Current Tri Boro Federal Credit Union Rates

Compare to Other Credit Unions