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University of Pennsylvania Students Federal Credit Union Rates & Review September 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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| iEditorial Disclosure
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: September 23, 2026

University of Pennsylvania Students Federal Credit Union's Personal Loan Rates are as low as 9.25%. MonitorBankRates evaluates the financial stability of University of Pennsylvania Students Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.26%. Rates last updated and verified on 09/23/2026.

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

MonitorBankRates Verified Healthy Badge 2026 Verified Healthy 2026 Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 100/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
0.26%
Excellent Lower than avg
Health Trend ?
Very strong 12 quarters
Full history ›
University of Pennsylvania Students Federal Credit Union
University of Pennsylvania Students Federal Credit Union
3401 Walnut St
Philadelphia, PA 19104
https://www.upennsfcu.org
Member NCUA

University of Pennsylvania Students Federal Credit Union Personal Loan Rates

Product APR Term View More
Personal Loans 9.25% 3 months to 5 years
Details Interest rates as of 01/09/24. Interest rates are subject to change. An eligible co-signer/co-maker is required for all loans greater than $10,000. Defer payments for up to 6 months. No prepayment penalty.
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.26%
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.
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Financial Health History

University of Pennsylvania Students Federal Credit Union’s Texas Ratio stayed near 0.67% in Q2 2023 to 0.26% in Q1 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.

0% 1.0★ 0.6% 2.0★ 1.1% 3.0★ 1.7% 4.0★ 2.2% 5.0★ Healthy zone – entire history below the 15% limit 0.67% A+ Q2 2023 A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 0.26% A+ Q1 2026
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
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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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
March 31, 2026$5M0.26%5.0A+
December 31, 2025$5M0.53%5.0A+
September 30, 2025$5M0.41%5.0A+
June 30, 2025$5M0.44%5.0A+
March 31, 2025$5M1.66%5.0A+
December 31, 2024$5M1.27%5.0A+
September 30, 2024$5M0.72%5.0A+
June 30, 2024$5M0.79%5.0A+
March 31, 2024$6M1.05%5.0A+
December 31, 2023$6M0.43%5.0A+
September 30, 2023$6M0.86%5.0A+
June 30, 2023$7M0.67%5.0A+
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 University of Pennsylvania Students 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 University of Pennsylvania Students 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 University of Pennsylvania Students Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name University of Pennsylvania Students Federal Credit Union
Website https://www.upennsfcu.org
Address 3401 Walnut St, Philadelphia, PA 19104
Phone 215-222-2604
Fax 215-222-2607
President Oliver Li
CEO Jazz Ch'ng
Full-Time Employees 0
Part-Time Employees 80
Branch Locations 1
ATM Locations 0
NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.26%
Return on Assets (ROA)
0.3055%
Return on Equity (ROE)
1.8070%
Non-Performing Loans Ratio (NPL)
2.52%
Total Assets
4,860,601
Total Amount of Shares and Deposits
3,982,297
Total Shares and Deposits < 1 Year
3,732,297
Total Shares and Deposits 1 3 Years
250,000
Total Insured Shares and Deposits > $250K (item 17 less item K)
3,982,297
Total Interest Expense (Sum of items 6 8)
3,464
Share Certificates
2
Number of Accounts for Share Drafts
586
Number of Accounts for Regular Shares
808
Non Member Deposits
1
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)
821,515
Total Liabilities
4,083,683
Source: NCUA — Last Updated 03/31/2026
MonitorBankRates Verified Healthy Badge 2026
2026 MBR Health & Safety Badge

University of Pennsylvania Students 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.

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 — no need to download or upload anything.

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Customer Reviews

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Frequently Asked Questions About University of Pennsylvania Students Federal Credit Union

How many branches does University of Pennsylvania Students Federal Credit Union operate?

University of Pennsylvania Students 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 University of Pennsylvania Students Federal Credit Union?

Yes, to access services at University of Pennsylvania Students 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, University of Pennsylvania Students 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, University of Pennsylvania Students Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does University of Pennsylvania Students Federal Credit Union offer online and mobile banking?

Most modern institutions like University of Pennsylvania Students 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.upennsfcu.org.

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