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Earning Tree Federal Credit Union

iAdvertiser Disclosure

Earning Tree Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Earning Tree 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 13, 2026

Earning Tree Federal Credit Union's top rate as of October 13, 2026 is personal loans from 6.90% APR, according to rates verified by MonitorBankRates. MonitorBankRates evaluates the financial stability of Earning Tree Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.11%. Rates last updated and verified on 10/13/2026.

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

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

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.11%

Excellent Lower than avg

Health Trend

Steady 12 quarters

Full history ›

Earning Tree Federal Credit Union
Main Office

800 Wyoming Ave
Wyoming, PA 18644

https://www.ufcwlocal72fcu.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.

Earning Tree Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
HOME EQUITY LOANS	-	-	4.75%	60 Months
Details 1ST POSITION Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.99% → 4.75% ▼ 0.24 pts · high 4.99% / low 4.75% Oct 5, 20264.75%▼ from 4.99% Sep 14, 20264.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.11%
HOME EQUITY LOANS	-	-	4.99%	60 Months
Details 2ND POSITION Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 4.99% → 4.99% ▼ 0.00 pts · high 4.99% / low 4.75% Oct 9, 20264.99%▲ from 4.75% Oct 5, 20264.75%▼ from 4.99% Sep 14, 20264.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.11%
HOME EQUITY LOANS	-	-	4.99%	72 Months
Details 1ST POSITION Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 5.25% → 4.99% ▼ 0.26 pts · high 5.25% / low 4.99% Oct 5, 20264.99%▼ from 5.25% Sep 14, 20265.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.11%
HOME EQUITY LOANS	-	-	5.25%	72 Months
Details 2ND POSITION Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 5.25% → 5.25% ▼ 0.00 pts · high 5.25% / low 4.99% Oct 9, 20265.25%▲ from 4.99% Oct 5, 20264.99%▼ from 5.25% Sep 14, 20265.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.11%
HOME EQUITY LOANS	-	-	5.50%	84-108 Months
Details 1ST POSITION Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 5.75% → 5.50% ▼ 0.25 pts · high 5.75% / low 5.50% Oct 5, 20265.50%▼ from 5.75% Sep 14, 20265.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.11%
HOME EQUITY LOANS	-	-	5.75%	84-108 Months
Details 2ND POSITION Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 5.75% → 5.75% ▼ 0.00 pts · high 5.75% / low 5.50% Oct 9, 20265.75%▲ from 5.50% Oct 5, 20265.50%▼ from 5.75% Sep 14, 20265.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.11%
HOME EQUITY LOANS	-	-	5.75%	120 Months
Details 1ST POSITION Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 5.99% → 5.75% ▼ 0.24 pts · high 5.99% / low 5.75% Oct 5, 20265.75%▼ from 5.99% Sep 14, 20265.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.11%
HOME EQUITY LOANS	-	-	5.99%	120 Months
Details 2ND POSITION Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 5.99% → 5.99% ▼ 0.00 pts · high 5.99% / low 5.75% Oct 9, 20265.99%▲ from 5.75% Oct 5, 20265.75%▼ from 5.99% Sep 14, 20265.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.11%
HOME EQUITY LOANS	-	-	5.99%	132-144 Months
Details 1ST POSITION Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.25% → 5.99% ▼ 0.26 pts · high 6.25% / low 5.99% Oct 5, 20265.99%▼ from 6.25% Sep 14, 20266.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.11%
HOME EQUITY LOANS	-	-	6.25%	132-144 Months
Details 2ND POSITION Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 6.25% → 6.25% ▼ 0.00 pts · high 6.25% / low 5.99% Oct 9, 20266.25%▲ from 5.99% Oct 5, 20265.99%▼ from 6.25% Sep 14, 20266.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.11%
HOME EQUITY LOANS	-	-	6.50%	156-180 Months
Details 1ST POSITION Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.75% → 6.50% ▼ 0.25 pts · high 6.75% / low 6.50% Oct 5, 20266.50%▼ from 6.75% Sep 14, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.11%
HOME EQUITY LOANS	-	-	6.75%	156-180 Months
Details 2ND POSITION Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 6.75% → 6.75% ▼ 0.00 pts · high 6.75% / low 6.50% Oct 9, 20266.75%▲ from 6.50% Oct 5, 20266.50%▼ from 6.75% Sep 14, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.11%

Earning Tree Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Vehicle Loan	4.50%	-	4.50%	24 Months & Under
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.75% → 4.50% ▼ 0.25 pts · high 4.75% / low 4.50% Sep 17, 20264.50%▼ from 4.75% Sep 14, 20264.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.11%
Vehicle Loan	4.75%	-	4.75%	36 Months
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 5.00% → 4.75% ▼ 0.25 pts · high 5.00% / low 4.75% Sep 17, 20264.75%▼ from 5.00% Sep 14, 20265.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.11%
Vehicle Loan	-	-	4.75%	24 Months & Under
No additional details. Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 4.75% → 4.75% ▼ 0.00 pts · high 4.75% / low 4.50% Sep 25, 20264.75%▲ from 4.50% Sep 17, 20264.50%▼ from 4.75% Sep 14, 20264.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.11%
Vehicle Loan	5.00%	-	5.00%	48 Months
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 5.25% → 5.00% ▼ 0.25 pts · high 5.25% / low 5.00% Sep 17, 20265.00%▼ from 5.25% Sep 14, 20265.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.11%
Vehicle Loan	-	-	5.00%	36 Months
No additional details. Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 5.00% → 5.00% ▼ 0.00 pts · high 5.00% / low 4.75% Sep 25, 20265.00%▲ from 4.75% Sep 17, 20264.75%▼ from 5.00% Sep 14, 20265.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.11%
Vehicle Loan	5.25%	-	5.25%	24 Months & Under
No additional details. Last Updated 10/09/2026 Rate History 3 changes since Sep 14, 2026 · 4.75% → 5.25% ▲ 0.50 pts · high 5.25% / low 4.50% Oct 5, 20265.25%▲ from 4.75% Sep 25, 20264.75%▲ from 4.50% Sep 17, 20264.50%▼ from 4.75% Sep 14, 20264.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.11%
Vehicle Loan	5.25%	-	5.25%	60 Months
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 5.50% → 5.25% ▼ 0.25 pts · high 5.50% / low 5.25% Sep 17, 20265.25%▼ from 5.50% Sep 14, 20265.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.11%
Vehicle Loan	-	-	5.25%	48 Months
No additional details. Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 5.25% → 5.25% ▼ 0.00 pts · high 5.25% / low 5.00% Sep 25, 20265.25%▲ from 5.00% Sep 17, 20265.00%▼ from 5.25% Sep 14, 20265.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.11%
Vehicle Loan	5.50%	-	5.50%	36 Months
No additional details. Last Updated 10/09/2026 Rate History 3 changes since Sep 14, 2026 · 5.00% → 5.50% ▲ 0.50 pts · high 5.50% / low 4.75% Oct 5, 20265.50%▲ from 5.00% Sep 25, 20265.00%▲ from 4.75% Sep 17, 20264.75%▼ from 5.00% Sep 14, 20265.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.11%
Vehicle Loan	5.50%	-	5.50%	72 Months
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 5.75% → 5.50% ▼ 0.25 pts · high 5.75% / low 5.50% Sep 17, 20265.50%▼ from 5.75% Sep 14, 20265.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.11%
Vehicle Loan	-	-	5.50%	60 Months
No additional details. Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 5.50% → 5.50% ▼ 0.00 pts · high 5.50% / low 5.25% Sep 25, 20265.50%▲ from 5.25% Sep 17, 20265.25%▼ from 5.50% Sep 14, 20265.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.11%
Vehicle Loan	5.75%	-	5.75%	48 Months
No additional details. Last Updated 10/09/2026 Rate History 3 changes since Sep 14, 2026 · 5.25% → 5.75% ▲ 0.50 pts · high 5.75% / low 5.00% Oct 5, 20265.75%▲ from 5.25% Sep 25, 20265.25%▲ from 5.00% Sep 17, 20265.00%▼ from 5.25% Sep 14, 20265.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.11%
Vehicle Loan	5.75%	-	5.75%	78 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 5.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.11%
Vehicle Loan	-	-	5.75%	72 Months
No additional details. Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 5.75% → 5.75% ▼ 0.00 pts · high 5.75% / low 5.50% Sep 25, 20265.75%▲ from 5.50% Sep 17, 20265.50%▼ from 5.75% Sep 14, 20265.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.11%
Vehicle Loan	5.75%	-	5.75%	24 Months & Under
No additional details. Last Updated 10/09/2026 Rate History 3 changes since Sep 14, 2026 · 4.75% → 5.75% ▲ 1.00 pts · high 5.75% / low 4.50% Oct 5, 20265.75%▲ from 4.75% Sep 25, 20264.75%▲ from 4.50% Sep 17, 20264.50%▼ from 4.75% Sep 14, 20264.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.11%
Vehicle Loan	6.25%	-	6.25%	60 Months
Details Term: 60 Months (2023 only) Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 5.50% → 6.25% ▲ 0.75 pts · high 6.25% / low 5.25% Sep 18, 20266.25%▲ from 5.25% Sep 17, 20265.25%▼ from 5.50% Sep 14, 20265.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.11%
Vehicle Loan	6.25%	-	6.25%	84 Months
Details loans $35,000+ Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 6.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.11%
Vehicle Loan	6.50%	-	6.50%	36 Months
No additional details. Last Updated 10/09/2026 Rate History 3 changes since Sep 14, 2026 · 5.00% → 6.50% ▲ 1.50 pts · high 6.50% / low 4.75% Oct 5, 20266.50%▲ from 5.00% Sep 25, 20265.00%▲ from 4.75% Sep 17, 20264.75%▼ from 5.00% Sep 14, 20265.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.11%
VEHICLE LOANS	-	-	6.99%	24 Months & Under
Details 2027, 2026 (with mileage under 20,000) Last Updated 10/09/2026 Rate History 3 changes since Sep 14, 2026 · 4.75% → 6.99% ▲ 2.24 pts · high 6.99% / low 4.50% Oct 5, 20266.99%▲ from 4.75% Sep 25, 20264.75%▲ from 4.50% Sep 17, 20264.50%▼ from 4.75% Sep 14, 20264.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.11%
Vehicle Loan	7.50%	-	7.50%	48 Months
Details Term: 48 Months (2020 only) Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.11%
VEHICLE LOANS	-	-	7.99%	36 Months
Details 2027, 2026 (with mileage under 20,000) Last Updated 10/09/2026 Rate History 3 changes since Sep 14, 2026 · 5.00% → 7.99% ▲ 2.99 pts · high 7.99% / low 4.75% Oct 5, 20267.99%▲ from 5.00% Sep 25, 20265.00%▲ from 4.75% Sep 17, 20264.75%▼ from 5.00% Sep 14, 20265.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.11%

Earning Tree Federal Credit Union Personal Loan Rates

Product	APR	Term
Signature Loan	6.90%	12 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.90% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.11%
Signature Loan	7.90%	24 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.90% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.11%
SIGNATURE LOANS	8.50%
Details All loans under $2,000 have a rate of 8.5%. Signature loans are available after 60 days of membership. There is no waiting period with a credit score of 700 or higher. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.11%
Signature Loan	8.90%	36 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.90% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.11%
Signature Loan	9.90%	48 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 9.90% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.11%
Signature Loan	10.50%	60 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 10.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.11%

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

Earning Tree Federal Credit Union’s Texas Ratio rose from 0.84% in Q3 2023 to 5.11% 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. 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	$49M	5.11%	5.0	A+
March 31, 2026	$48M	4.06%	5.0	A+
December 31, 2025	$47M	2.95%	5.0	A+
September 30, 2025	$46M	2.05%	5.0	A+
June 30, 2025	$46M	3.04%	5.0	A+
March 31, 2025	$45M	2.45%	5.0	A+
December 31, 2024	$43M	1.64%	5.0	A+
September 30, 2024	$43M	2.43%	5.0	A+
June 30, 2024	$43M	2.21%	5.0	A+
March 31, 2024	$42M	1.25%	5.0	A+
December 31, 2023	$43M	1.63%	5.0	A+
September 30, 2023	$43M	0.84%	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 Earning Tree 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 Earning Tree 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 Earning Tree Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Earning Tree Federal Credit Union

Website https://www.ufcwlocal72fcu.com

Address 800 Wyoming Ave, Wyoming, PA 18644

Phone 570-693-4072

Fax 570-693-3489

President Joseph Bruno

CEO Wendy Stout

Full-Time Employees 2

Part-Time Employees 3

Branch Locations 4

ATM Locations 1

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (97/100)

Texas Ratio

5.11%

Return on Assets (ROA)

0.1415%

Return on Equity (ROE)

1.3883%

Non-Performing Loans Ratio (NPL)

3.89%

Total Assets

49,448,025

Total Amount of Shares and Deposits

44,662,660

Total Shares and Deposits < 1 Year

44,662,660

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

3,149,579

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

3,149,579

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

41,513,081

Total Interest Expense (Sum of items 6 8)

632,859

Number of Accounts for Share Drafts

490

IRA KEOGH Accounts

Number of Accounts for Regular Shares

2,191

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)

11,793,614

Total Liabilities

44,688,380

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Earning Tree 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.

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Frequently Asked Questions About Earning Tree Federal Credit Union

How many branches does Earning Tree Federal Credit Union operate?

Earning Tree 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 Earning Tree Federal Credit Union?

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

Does Earning Tree Federal Credit Union offer online and mobile banking?

Most modern institutions like Earning Tree 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.ufcwlocal72fcu.com.