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Blackhawk Federal Credit Union

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Blackhawk Federal Credit Union Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Blackhawk 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: September 21, 2026

Blackhawk Federal Credit Union's Personal Loan Rates are as low as 8.50%. Blackhawk Federal Credit Union's Credit Card Rates are at 14.00%. MonitorBankRates evaluates the financial stability of Blackhawk Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.89%. Rates last updated and verified on 09/21/2026.

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

3.89%

Excellent Lower than avg

Health Trend

Worsening 12 quarters

Full history ›

Blackhawk Federal Credit Union
Blackhawk Federal Credit Union

2358 Darlington RD
Beaver Falls, PA 15010

https://www.bfcu.net

Blackhawk Federal Credit Union Savings Rates

Product	Rate	APY	View More
Regular Share Account	-	0.25%
Min Deposit $1 Min Balance $5 Details Statements will be forwarded quarterly; Share withdrawals greater than $3,000.00 requires a 3 business day notice; Dividends are compounded and paid quarterly on the last day of the quarter Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.89%

Blackhawk Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
HOME EQUITY/PRIMARY RESIDENCE Limited	-	-	5.89%	120 Months
Details Annual Percentage Rate. Home Equity Line of Credit. The 5.89% Fixed APR applies for Loan to Value (LTV) up to 85%. There is a 10-year repayment period from the date of the last advance. The minimum draw amount is $500.00 Each draw represents a new credit decision by the credit union and an approved draw carries the current interest rate on Home Equity loans. Any borrower who closes/satisfies their HELOC in the first 12 months of the loan being granted, will reimburse the credit union a flat fee of $500 to pay for all loan processing fees. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.89%

Blackhawk Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Model (2025-2026) VEHICLE LOANS	-	-	5.59%	60 Months
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.89%
New Model (2025-2026) VEHICLE LOANS	-	-	5.89%	72 Months
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.89%
Used/ 4 Years- (2021-2024) VEHICLE LOANS	-	-	6.25%	60 Months
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.89%
New Model (2025-2026) VEHICLE LOANS	-	-	6.49%	84 Months
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.89%
Used/ 4 Years- (2021-2024) VEHICLE LOANS	-	-	6.50%	72 Months
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.89%
Used/ 4 Years- (2021-2024) VEHICLE LOANS	-	-	6.99%	84 Months
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.89%

Blackhawk Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
MOTORCYCLE LOANS Used/New (2024-2026)	-	8.25%	72 Months
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.89%
MOTORCYCLE LOANS Used (2022-2023)	-	8.75%	72 Months
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.89%
MOTORCYCLE LOANS Used (2021 and older)	-	9.00%	60 Months
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.89%

Blackhawk Federal Credit Union Credit Card Rates

Product	Rate	APR
BFCU VISA Credit Card	-	14.00%
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.89%
VISA Credit Card	-	14.00%
Details No Annual Fee; Credit Limits Up To $10,000; 25-Day Grace Period On Purchases; Low 14 % APR; Starts low and stays low - everyday! Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.89%

Blackhawk Federal Credit Union Personal Loan Rates

Product	APR	Term
SIGNATURE LOANS	8.50%	12 Months
Details UP TO $10,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.89%
SIGNATURE LOANS	9.50%	24 Months
Details UP TO $10,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.89%
SIGNATURE LOANS	10.50%	36 Months
Details UP TO $10,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.89%
SIGNATURE LOANS	11.50%	48 Months
Details UP TO $10,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.89%
SIGNATURE LOANS	12.50%	60 Months
Details UP TO $10,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.89%

Blackhawk Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
EDUCATIONAL LOANS Special K	-	-	5.00%	120 Months
Details Up to $10 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.89%
Individual Retirement Account (IRA)	-	-	0.80%
Min Deposit $5 Details Maximum deposit annually of $5000.00; Statements will be forwarded to members quarterly; All IRA withdrawals require 24 hour notice; Dividends are compounded and paid quarterly on the last day of the quarter Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.89%

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.
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Financial Health History

Blackhawk Federal Credit Union’s Texas Ratio rose from 0.00% in Q2 2023 to 3.89% in Q1 2026, so its financial health has weakened 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
March 31, 2026	$15M	3.89%	5.0	A+
December 31, 2025	$15M	2.59%	5.0	A+
September 30, 2025	$15M	0.00%	5.0	A+
June 30, 2025	$15M	3.34%	5.0	A+
March 31, 2025	$15M	0.04%	5.0	A+
December 31, 2024	$15M	2.25%	5.0	A+
September 30, 2024	$15M	1.06%	5.0	A+
June 30, 2024	$15M	1.08%	5.0	A+
March 31, 2024	$15M	2.67%	5.0	A+
December 31, 2023	$15M	0.00%	5.0	A+
September 30, 2023	$15M	1.13%	5.0	A+
June 30, 2023	$16M	0.00%	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 Blackhawk 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 Blackhawk 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 Blackhawk Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Blackhawk Federal Credit Union

Website https://www.bfcu.net

Address 2358 Darlington RD, Beaver Falls, PA 15010

Phone 724-846-7929

Fax 724-847-7618

President Brian Farkas

CEO Christine Ozenich

Full-Time Employees 4

Part-Time Employees 1

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+ (98/100)

Texas Ratio

3.89%

Return on Assets (ROA)

0.1660%

Return on Equity (ROE)

0.9937%

Non-Performing Loans Ratio (NPL)

1.65%

Total Assets

14,996,808

Total Amount of Shares and Deposits

12,403,747

Total Shares and Deposits < 1 Year

12,167,007

Total Shares and Deposits 1 3 Years

236,741

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

161,333

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

161,333

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

12,242,414

Total Interest Expense (Sum of items 6 8)

17,697

Share Certificates

106

Number of Accounts for Share Drafts

455

IRA KEOGH Accounts

Number of Accounts for Regular Shares

1,480

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)

1,081,552

Total Liabilities

12,492,162

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

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

Customer Reviews

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Frequently Asked Questions About Blackhawk Federal Credit Union

How many branches does Blackhawk Federal Credit Union operate?

Blackhawk 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 Blackhawk Federal Credit Union?

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

Does Blackhawk Federal Credit Union offer online and mobile banking?

Most modern institutions like Blackhawk 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.bfcu.net.