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Clairton Works Federal Credit Union Rates & Review September 2026

Clairton Works Federal Credit Union's Personal Loan Rates are as low as 10.99%. Clairton Works Federal Credit Union's Credit Card Rates are at 9.50%. MonitorBankRates evaluates the financial stability of Clairton Works Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.00%. Rates last updated and verified on 09/23/2026.

Clairton Works 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 Clairton Works Federal Credit Union? Share your experience about Clairton Works Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Clairton Works 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 ?
0.00%
Perfect Lower than avg
Health Trend ?
Very strong 12 quarters
Full history ›
Clairton Works Federal Credit Union
Clairton Works FCU
600 State St Unit 3
Clairton, PA 15025
https://www.clairtonworksfcu.com
Member NCUA

Clairton Works Federal Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity Loan - - 7.00% 1
Details Term: 1st lien position, up to 84 months; As Low As; Appraised Value: 80%; Lien Position: 1st
Last Updated 09/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%
Home Equity Loan - - 7.00% 2
Details Term: 2nd lien position, up to 60 months; As Low As; Appraised Value: 80%; Lien Position: 2nd
Last Updated 09/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%
Home Equity Loan - - 8.00% 1
Details Term: 1st lien position, up to 84 months; As Low As; Appraised Value: 90%; Lien Position: 1st
Last Updated 09/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%
Home Equity Loan - - 8.00% 2
Details Term: 2nd lien position, up to 60 months; As Low As; Appraised Value: 90%; Lien Position: 2nd
Last Updated 09/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%

Clairton Works Federal Credit Union Auto Loan Rates

Product Rate Points APR Term View More
New Vehicle Loan - - 6.50% up to 72 months
Details As Low As; Model Year: 2026 or never titled
Last Updated 09/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%
Used Vehicle Loan - - 6.74% up to 72 months
Details As Low As; Model Year: 2025-2023
Last Updated 09/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%
Used Vehicle Loan - - 7.24% up to 60 months
Details As Low As; Model Year: 2022-2020
Last Updated 09/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%
New Vehicle Loan - - 7.50% up to 84 months
Details As Low As
Last Updated 09/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%
Used Vehicle Loan - - 8.24% up to 48 months
Details As Low As; Model Year: 2019-2017
Last Updated 09/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%
New and Used Vehicles Loan - - 9.50%
Details Fixed rate
Last Updated 09/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%

Clairton Works Federal Credit Union RV, Boat and Powersport Loan Rates

Product Rate APR Term View More
New Motorcycle Loan - 8.24% up to 72 months
Details As Low As
Last Updated 09/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%
New ATV Loan - 9.24% up to 72 months
Details As Low As
Last Updated 09/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%
Used Motorcycle Loan - 9.24% Terms May Vary
Details As Low As; Model Year: 2025-2023
Last Updated 09/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%
New and Used ATV's and RV's Loan - 9.50%
Details Fixed rate
Last Updated 09/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%
New and Used Motorcycles Loan - 9.50%
Details Fixed rate
Last Updated 09/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%
Used Motorcycle Loan - 10.24% Terms May Vary
Details As Low As; Model Year: 2022-2020
Last Updated 09/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%
Used ATV Loan - 11.24% Terms May Vary
Details As Low As; Model Year: 2025-2022
Last Updated 09/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%
Used Motorcycle Loan - 11.74% Terms May Vary
Details As Low As; Model Year: 2019-2017
Last Updated 09/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%
Used ATV Loan - 12.74% Terms May Vary
Details As Low As; Model Year: 2021-2019
Last Updated 09/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%

Clairton Works Federal Credit Union Credit Card Rates

Product Rate APR View More
CWFCU VISA Credit Card - 9.50%
Details Fixed rate; Apply today and take advantage of our 9.5% fixed rate with the CWFCU VISA Credit Card
Last Updated 09/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%
Visa and Secured Visa Credit Cards - 9.50%
Details Fixed rate
Last Updated 09/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%
VISA Credit Card - 9.50%
No additional details.
Last Updated 09/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%

Clairton Works Federal Credit Union Personal Loan Rates

Product APR Term View More
Personal Unsecured Loan 10.99% up to 60 months
Details As Low As
Last Updated 09/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%

Financial Health History

Clairton Works Federal Credit Union’s Texas Ratio stayed near 0.03% in Q2 2023 to 0.00% 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★ 0.4% 2.0★ 0.8% 3.0★ 1.2% 4.0★ 1.5% 5.0★ Healthy zone – entire history below the 15% limit 0.03% 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 0.00% 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
Powered by MonitorBankRates

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$12M0.00%5.0A+
December 31, 2025$13M0.06%5.0A+
September 30, 2025$13M1.14%5.0A+
June 30, 2025$13M0.10%5.0A+
March 31, 2025$13M0.00%5.0A+
December 31, 2024$12M0.00%5.0A+
September 30, 2024$12M0.00%5.0A+
June 30, 2024$12M0.00%5.0A+
March 31, 2024$12M0.09%5.0A+
December 31, 2023$12M0.20%5.0A+
September 30, 2023$12M1.02%5.0A+
June 30, 2023$13M0.03%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 Clairton Works 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 Clairton Works 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 Clairton Works Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Clairton Works Federal Credit Union
Address 600 State St Unit 3, Clairton, PA 15025
Phone 412-384-7088
Fax 412-384-7411
President Steven McKnight
CEO Caroline Spahr
Full-Time Employees 3
Part-Time Employees 0
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
0.00%
Return on Assets (ROA)
0.3316%
Return on Equity (ROE)
2.1948%
Non-Performing Loans Ratio (NPL)
0.00%
Total Assets
12,069,445
Total Amount of Shares and Deposits
10,274,113
Total Shares and Deposits < 1 Year
9,135,532
Total Shares and Deposits 1 3 Years
1,138,578
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
165,086
Total Uninsured Shares and Deposits > $250K (F+J)
165,086
Total Insured Shares and Deposits > $250K (item 17 less item K)
10,109,027
Total Interest Expense (Sum of items 6 8)
11,872
Share Certificates
83
Number of Accounts for Share Drafts
138
Number of Accounts for Regular Shares
1,272
All other shares
104
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)
534,276
Total Liabilities
10,318,565
Source: NCUA — Last Updated 03/31/2026
MonitorBankRates Verified Healthy Badge 2026
2026 MBR Health & Safety Badge

Clairton Works 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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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
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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 Clairton Works Federal Credit Union

How many branches does Clairton Works Federal Credit Union operate?

Clairton Works 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 Clairton Works Federal Credit Union?

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

Does Clairton Works Federal Credit Union offer online and mobile banking?

Most modern institutions like Clairton Works 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.clairtonworksfcu.com.