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Armco Credit Union Rates and Review February 2026

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Armco Credit Union's 12 month CD Growth rates are at 3.56%, 12 month CD Income rates are at 3.50%. Armco Credit Union's savings rates are at 0.60%. Armco Credit Union's Mortgage rates are at 5.50%, Mortgage rates are at 5.50%, Mortgage rates are at 5.88%, Mortgage rates are at 5.88%, Mortgage rates are at 6.00%. Armco Credit Union's Personal Loan Rates are at 11.00%.

Armco Credit Union

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

Armco Credit Union Texas Ratio

Armco Credit Union's Texas Ratio is at 2.40%, which is considered excellent. The Texas Ratio for Armco Credit Union is lower than the national average of all banks, currently at 6.13%. The Texas Ratio is a key indicator of financial health. This indicates that Armco Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.

MonitorBankRates Rating

5.0
Excellent
Out of 5.0 Stars

Armco Credit Union has earned a Smart Rating of 5.0 out of 5 stars. 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.

Overall, Armco Credit Union is an excellent credit union worth considering, with an overall rating of 5.0 stars out of 5 stars.

Current Interest Rates

Product
APY/APR
vs.Avg
12-Month CD
3.50%
18-Month CD
N/A
24-Month CD
N/A
36-Month CD
N/A
48-Month CD
N/A
60-Month CD
N/A
Savings
0.60%
MMA
N/A
30-Year Fixed
N/A
Credit Card
N/A
Personal Loan
11.00%

"N/A" indicates the product is not offered or the rate is unavailable.

Armco Credit Union
Armco Employees Credit Union
101 Hollywood Dr
Butler, PA 16001 7607
Member NCUA
MonitorBankRates
Official Financial Rating
5.0
★★★★★
EXCELLENT
🏆

Credit Unions:
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Armco Credit Union CD Rates

Product Rate APY Term View More
12 month Certificate Growth 3.50% 3.56% 12 Months
No additional details.
Last Updated 02/10/2026
12 month Certificate Income 3.50% 3.50% 12 Months
No additional details.
Last Updated 02/10/2026

Armco Credit Union Savings Rates

Product Rate APY View More
Savings & IRA Savings 1.25% 1.26%
Min Deposit$50,000
DetailsBalance Tier: 50,000.01 - above
Last Updated 02/10/2026
Savings & IRA Savings 1.00% 1.00%
Min Deposit$25,000
DetailsBalance Tier: 25,000.01 - 50,000.00
Last Updated 02/10/2026
Savings & IRA Savings 0.85% 0.85%
Min Deposit$10,000
DetailsBalance Tier: 10,000.01 - 25,000.00
Last Updated 02/10/2026
Christmas Club 0.60% 0.60%
Min Deposit$0
Last Updated 02/10/2026
Savings & IRA Savings 0.60% 0.60%
Min Deposit$0
DetailsBalance Tier: $0.01 - 10,000.00
Last Updated 02/10/2026

Armco Credit Union Checking Rates

Product Rate APY View More
Checking 0.10% 0.10%
Min Deposit$0
DetailsBalance Tier: 0.01 - above
Last Updated 02/10/2026

Armco Credit Union Mortgage Rates

Product Rate Points APR Term View More
Mortgage 5.50% - 5.65% 15 Year
No additional details.
Last Updated 02/10/2026
Mortgage 5.50% - 5.82% 10 Year
No additional details.
Last Updated 02/10/2026
Mortgage 5.88% - 5.97% 30 Year
DetailsAmount $151 - $200
Last Updated 02/10/2026
Mortgage 5.88% - 6.00% 20 Year
No additional details.
Last Updated 02/10/2026
Mortgage 6.00% - 6.09% 30 Year
DetailsAmount $251 - $300
Last Updated 02/10/2026
Mortgage 6.13% - 6.22% 30 Year
DetailsAmount $301 & Over
Last Updated 02/10/2026

Armco Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity Loan - 1st Lien 5.25% - 5.34% 84 Months
Details0-85% LTV
Last Updated 02/10/2026
Home Equity Loan - 1st Lien 5.25% - 5.37% 60 Months
Details0-85% LTV
Last Updated 02/10/2026
Home Equity Loan - 1st Lien 5.50% - 5.57% 120 Months
Details0-85% LTV
Last Updated 02/10/2026
Home Equity Loan - 1st Lien 5.75% - 5.80% 180 Months
Details0-85% LTV
Last Updated 02/10/2026
Home Equity Loan - 2nd Lien 5.75% - 5.87% 60 Months
Details0-85% LTV
Last Updated 02/10/2026
Home Equity Loan - 1st Lien 6.00% - 6.04% 240 Months
Details0-85% LTV
Last Updated 02/10/2026
Home Equity Loan - 2nd Lien 6.00% - 6.07% 120 Months
Details0-85% LTV
Last Updated 02/10/2026
Home Equity Loan - 2nd Lien 6.00% - 6.09% 84 Months
Details0-85% LTV
Last Updated 02/10/2026
Home Equity Loan - 2nd Lien 6.25% - 6.30% 180 Months
Details0-85% LTV
Last Updated 02/10/2026
Home Equity Loan - 2nd Lien 6.50% - 6.54% 240 Months
Details0-85% LTV
Last Updated 02/10/2026

Armco Credit Union Credit Card Rates

Product Rate Points APR Term View More
VISA - - 9.99%
No additional details.
Last Updated 02/10/2026

Armco Credit Union Personal Loan Rates

Product Rate Points APR Term View More
Personal - - 11.00% 42 Months
No additional details.
Last Updated 02/10/2026

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Armco 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 Armco 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 Armco Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name: Armco Credit Union
Full Time Employees: 98
Part Time Employees: 11
President: John Gibson Jr
CEO: Randall Cypher
Branch Locations: 5
ATM Locations: 4
Corporate Office Address:
101 Hollywood Dr
Butler, PA 16001 7607
Phone Number: 724-284-2020
Fax Number: 724-285-6158

Financials

Total Assets:
700,537,600
Total Amount of Shares and Deposits:
606,904,380
Total Shares and Deposits < 1 Year:
606,904,380
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E):
15,881,337
Total Uninsured Shares and Deposits > $250K (F+J):
15,881,337
Total Insured Shares and Deposits > $250K (item 17 less item K):
591,023,043
Total Interest Expense (Sum of items 6 8):
9,085,985
Share Certificates:
6,446
Number of Accounts for Share Drafts:
23,697
IRA KEOGH Accounts:
879
Number of Accounts for Regular Shares:
45,605
All other shares:
1
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
188,224,553
Total Liabilities:
611,282,970
Show More
Source: NCUA Last Updated 09/30/2025

Customer Reviews

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Frequently Asked Questions About Armco Credit Union

Is a member application needed to join Armco Credit Union?

Yes, to access services at Armco Credit Union, a member application is required.

Is there a first-time homebuyer program?

Currently, Armco Credit Union provides a range of mortgage and home equity products.

Is Armco Credit Union a safe place to deposit money?

Yes, Armco Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor.

Does Armco Credit Union offer online and mobile banking?

Most modern institutions like Armco Credit Union provide digital access including online balance checks and transfers.

Current Armco Credit Union Rates

ProductAPY
12-Month CD3.50%
Savings0.60%
Personal Loan11.00%

Rates subject to change.