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 Tri State Rail Federal Credit Union Rates & Review August 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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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: August 30, 2026
Tri State Rail Federal Credit Union rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month share certificate rates are currently at 2.89%, 6-month share certificate rates at 2.75% and 3-month share certificate rates at 2.65%. Savings rates are at 0.84% and money market rates are at 1.17%. Mortgage rates on 30-year fixed loans are around 6.69%. These rates come from our rate database, not Tri State Rail Federal Credit Union, and you can see how they compare in the Tri State Rail Federal Credit Union rate tables below. MonitorBankRates evaluates the financial stability of Tri State Rail Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.07%. Database rates last updated and verified on 08/30/2026. Tri State Rail 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 State Rail Federal Credit Union? Share your experience about Tri State Rail Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Tri State Rail Federal Credit Union. 
Tri State Rail Federal Credit Union Home Equity & HELOC
Tri State Rail Federal Credit Union Credit Card Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Tri State Rail 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 State Rail 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 State Rail Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Tri State Rail Federal Credit Union
Website
https://www.tristaterailfcu.com
Address
110 W 13th St,
Erie, PA 16501
Phone
814-455-0092
Fax
814-454-5855
President
Bart Downing
CEO
Steven Tessmer
Full-Time Employees
7
Part-Time Employees
1
Branch Locations
3
ATM Locations
0
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.07%
Return on Assets (ROA)
0.6582%
Return on Equity (ROE)
3.4204%
Non-Performing Loans Ratio (NPL)
1.24%
Total Assets
20,260,467
Total Amount of Shares and Deposits
16,282,198
Total Shares and Deposits < 1 Year
16,282,198
Total Insured Shares and Deposits > $250K (item 17 less item K)
16,282,198
Total Interest Expense (Sum of items 6 8)
24,148
Share Certificates
6
Number of Accounts for Share Drafts
489
IRA KEOGH Accounts
5
Number of Accounts for Regular Shares
2,559
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)
4,329,781
Total Liabilities
16,365,063
Source: NCUA — Last Updated 09/30/2025
Customer Reviews
There are no reviews for Tri State Rail Federal Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Tri State Rail Federal Credit Union
Frequently Asked Questions About Tri State Rail Federal Credit UnionHow many branches does Tri State Rail Federal Credit Union operate?Tri State Rail 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 State Rail Federal Credit Union?Yes, to access services at Tri State Rail 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 State Rail 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 State Rail Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Tri State Rail Federal Credit Union offer online and mobile banking?Most modern institutions like Tri State Rail 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.tristaterailfcu.com. Compare to Other Credit Unions
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