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Bradford Area School Employees Federal Credit Union

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Bradford Area School Employees Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Bradford Area School Employees 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

Bradford Area School Employees Federal Credit Union's top rate as of October 13, 2026 is personal loans from 9.50% APR, according to rates verified by MonitorBankRates. MonitorBankRates evaluates the financial stability of Bradford Area School Employees Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.46%. Rates last updated and verified on 10/13/2026.

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

Verified Healthy Q2 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

0.46%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Bradford Area School Employees Federal Credit Union
Office

125 Main St Rm 206
Bradford, PA 16701

https://www.basecu.org

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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.

Bradford Area School Employees Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Brand New Vehicle	4.00%	-	4.00%	0-60 months
Details Credit Grade: A; Never been titled; Add .75% to all categories for 72 months; Add .50% for vehicles over 100,000 miles Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.46%
New Vehicle (2016 and newer)	5.00%	-	5.00%	0-60 months
Details Credit Grade: A; Add 1.0% to all categories for 72 months; Add 1.5% to all categories for 84 months Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.46%
Brand New Vehicle	6.00%	-	6.00%	0-60 months
Details Credit Grade: B; Never been titled; Add .75% to all categories for 72 months; Add .50% for vehicles over 100,000 miles Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.46%
Used Vehicle (not older than 2012)	6.25%	-	6.25%	0-48 months
Details Credit Grade: A; Add 1.5% to all categories for 49-72 months; Add .50% for vehicles over 100,000 miles Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.46%
New Vehicle (2016 and newer)	7.75%	-	7.75%	0-60 months
Details Credit Grade: B; Add 1.0% to all categories for 72 months; Add 1.5% to all categories for 84 months Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.46%
Used Vehicle (not older than 2012)	8.25%	-	8.25%	0-48 months
Details Credit Grade: B; Add 1.5% to all categories for 49-72 months; Add .50% for vehicles over 100,000 miles Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 8.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.46%
Brand New Vehicle	8.50%	-	8.50%	0-60 months
Details Credit Grade: C; Never been titled; Add .75% to all categories for 72 months; Add .50% for vehicles over 100,000 miles Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 8.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.46%
Older Used Vehicle (2011-2008)	8.50%	-	8.50%	0-48 months
Details Credit Grade: A; Annually adjusted to allow financing to be nothing older than 15 years from current car year; Add .50% for vehicles over 100,000 miles Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 8.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.46%
Older Used Vehicle (2011-2008)	10.50%	-	10.50%	0-48 months
Details Credit Grade: B; Annually adjusted to allow financing to be nothing older than 15 years from current car year; Add .50% for vehicles over 100,000 miles Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 10.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.46%
Brand New Vehicle	11.50%	-	11.50%	0-60 months
Details Credit Grade: D; Never been titled; Add .75% to all categories for 72 months; Add .50% for vehicles over 100,000 miles Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 11.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.46%
New Vehicle (2016 and newer)	11.75%	-	11.75%	0-60 months
Details Credit Grade: C; Add 1.0% to all categories for 72 months; Add 1.5% to all categories for 84 months Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 11.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.46%
Used Vehicle (not older than 2012)	12.50%	-	12.50%	0-48 months
Details Credit Grade: C; Add 1.5% to all categories for 49-72 months; Add .50% for vehicles over 100,000 miles Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 12.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.46%
Older Used Vehicle (2011-2008)	14.00%	-	14.00%	0-48 months
Details Credit Grade: C; Annually adjusted to allow financing to be nothing older than 15 years from current car year; Add .50% for vehicles over 100,000 miles Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 14.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.46%
New Vehicle (2016 and newer)	14.75%	-	14.75%	0-60 months
Details Credit Grade: D; Add 1.0% to all categories for 72 months; Add 1.5% to all categories for 84 months Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 14.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.46%
Used Vehicle (not older than 2012)	15.50%	-	15.50%	0-48 months
Details Credit Grade: D; Add 1.5% to all categories for 49-72 months; Add .50% for vehicles over 100,000 miles Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 15.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.46%
Older Used Vehicle (2011-2008)	17.00%	-	17.00%	0-48 months
Details Credit Grade: D; Annually adjusted to allow financing to be nothing older than 15 years from current car year; Add .50% for vehicles over 100,000 miles Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 17.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.46%

Bradford Area School Employees Federal Credit Union Personal Loan Rates

Product	APR	Term
Personal Loan	9.50%	0-60 months
Details Credit Grade: A (700 and above, A+ & A); Loan up to $10,000; A+ reduces A rate by .5% but not below 1.5% Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 9.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.46%
Personal Loan	10.50%	0-60 months
Details Credit Grade: B (600-699); Loan up to $8,000 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 10.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.46%
Personal Loan	13.50%	0-60 months
Details Credit Grade: C (500-599); Loan up to $5,000 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 13.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.46%
Personal Loan	16.50%	0-60 months
Details Credit Grade: D (Below 500); Loan up to $5,000 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 16.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.46%

Bradford Area School Employees Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Home Repair Loan (0-24 months)	6.50%	-	6.50%	0-24 months
Details Credit Grade: A; Limit $10,000; Paid to vendors or providers; Borrower must provide proof of home ownership Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.46%
Home Repair Loan (0-24 months)	8.50%	-	8.50%	0-24 months
Details Credit Grade: B; Limit $10,000; Paid to vendors or providers; Borrower must provide proof of home ownership Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 8.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.46%
Home Repair Loan (0-24 months)	11.50%	-	11.50%	0-24 months
Details Credit Grade: C; Limit $10,000; Paid to vendors or providers; Borrower must provide proof of home ownership Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 11.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.46%
Home Repair Loan (0-24 months)	14.00%	-	14.00%	0-24 months
Details Credit Grade: D; Limit $10,000; Paid to vendors or providers; Borrower must provide proof of home ownership Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 14.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.46%
Home Repair Loan (25-60 months)	8.99%	-	8.99%	25-60 months
Details Credit Grade: A; Limit $10,000; Paid to vendors or providers; Borrower must provide proof of home ownership Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 8.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.46%
Home Repair Loan (25-60 months)	9.99%	-	9.99%	25-60 months
Details Credit Grade: B; Limit $10,000; Paid to vendors or providers; Borrower must provide proof of home ownership Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 9.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.46%
Home Repair Loan (25-60 months)	12.99%	-	12.99%	25-60 months
Details Credit Grade: C; Limit $10,000; Paid to vendors or providers; Borrower must provide proof of home ownership Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 12.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.46%
Home Repair Loan (25-60 months)	15.99%	-	15.99%	25-60 months
Details Credit Grade: D; Limit $10,000; Paid to vendors or providers; Borrower must provide proof of home ownership Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 15.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.46%

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

Bradford Area School Employees Federal Credit Union’s Texas Ratio fell from 8.37% in Q3 2023 to 0.46% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A to A+. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)

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	$1M	0.46%	5.0	A+
March 31, 2026	$1M	4.67%	5.0	A+
December 31, 2025	$1M	0.53%	5.0	A+
September 30, 2025	$1M	0.65%	5.0	A+
June 30, 2025	$1M	0.77%	5.0	A+
March 31, 2025	$1M	5.22%	5.0	A+
December 31, 2024	$1M	10.31%	5.0	A
September 30, 2024	$1M	11.88%	5.0	A
June 30, 2024	$1M	3.15%	5.0	A+
March 31, 2024	$1M	3.49%	5.0	A+
December 31, 2023	$1M	3.50%	5.0	A+
September 30, 2023	$1M	8.37%	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 Bradford Area School Employees 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 Bradford Area School Employees 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 Bradford Area School Employees Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Bradford Area School Employees Federal Credit Union

Website https://www.basecu.org

Address 125 Main St Rm 206, Bradford, PA 16701

Phone 814-368-5595

Fax

President Steve Kloss

CEO Michelle Aaron-Simmons

Full-Time Employees 1

Part-Time Employees 1

Branch Locations 2

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

0.46%

Return on Assets (ROA)

0.9014%

Return on Equity (ROE)

3.9418%

Non-Performing Loans Ratio (NPL)

0.12%

Total Assets

1,091,774

Total Amount of Shares and Deposits

841,717

Total Shares and Deposits < 1 Year

841,717

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

841,717

Total Interest Expense (Sum of items 6 8)

1,042

Number of Accounts for Regular Shares

264

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)

48,003

Total Liabilities

842,117

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Bradford Area School Employees 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.

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, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
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Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About Bradford Area School Employees Federal Credit Union

How many branches does Bradford Area School Employees Federal Credit Union operate?

Bradford Area School Employees 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 Bradford Area School Employees Federal Credit Union?

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

Does Bradford Area School Employees Federal Credit Union offer online and mobile banking?

Most modern institutions like Bradford Area School Employees 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.basecu.org.