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 First Commonwealth Federal Credit Union Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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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 21, 2026
First Commonwealth Federal Credit Union's 19-month CD rates are at 4.25%. First Commonwealth Federal Credit Union's Mortgage - FHA rates are at 6.50%, Mortgage - Fixed Rate rates are at 6.38%, Mortgage - Fixed Rate rates are at 6.12%, Mortgage - Fixed Rate rates are at 6.62%, Mortgage - Fixed Rate rates are at 6.62%. First Commonwealth Federal Credit Union's Personal Loan Rates are as low as 9.99%. First Commonwealth Federal Credit Union's Credit Card Rates are at 10.49%. MonitorBankRates evaluates the financial stability of First Commonwealth Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.88%. Rates last updated and verified on 09/21/2026. First Commonwealth 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 First Commonwealth Federal Credit Union? Share your experience about First Commonwealth Federal Credit Union by leaving a review below, or read customer reviews before you decide to use First Commonwealth Federal Credit Union. First Commonwealth Federal Credit Union
Trexlertown Corporate Office 6126 Hamilton Blvd Ste 100
https://www.firstcomcu.org Allentown, PA 18106 
First Commonwealth Federal Credit Union CD Rates
First Commonwealth Federal Credit Union Mortgage Rates
First Commonwealth Federal Credit Union Home Equity & HELOC
First Commonwealth Federal Credit Union Auto Loan Rates
First Commonwealth Federal Credit Union RV, Boat and Powersport Loan Rates
First Commonwealth Federal Credit Union Credit Card Rates
First Commonwealth Federal Credit Union Personal Loan Rates
First Commonwealth Federal Credit Union Other Rates
Financial Health HistoryFirst Commonwealth Federal Credit Union’s Texas Ratio rose from 5.55% in Q2 2023 to 6.88% in Q1 2026, so its financial health has held steady at a healthy level 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)
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for First Commonwealth 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 First Commonwealth 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 First Commonwealth Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
First Commonwealth Federal Credit Union
Website
https://www.firstcomcu.org
Address
6126 Hamilton Blvd Ste 100,
Allentown, PA 18106
Phone
610-821-2400
Fax
President
William Ehritz
CEO
Donna LoStocco
Full-Time Employees
244
Part-Time Employees
2
Branch Locations
16
ATM Locations
15
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (97/100)
Texas Ratio
6.88%
Return on Assets (ROA)
0.1460%
Return on Equity (ROE)
1.4989%
Non-Performing Loans Ratio (NPL)
1.02%
Total Assets
1,481,213,771
Total Amount of Shares and Deposits
1,332,190,714
Total Shares and Deposits < 1 Year
1,313,379,923
Total Shares and Deposits 1 3 Years
14,669,780
Total Shares and Deposits > 3 Years
4,141,011
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
106,909,341
Total Uninsured Shares and Deposits > $250K (F+J)
106,909,341
Total Insured Shares and Deposits > $250K (item 17 less item K)
1,225,281,373
Total Interest Expense (Sum of items 6 8)
4,808,858
Share Certificates
13,808
Number of Accounts for Share Drafts
62,932
IRA KEOGH Accounts
3,849
Number of Accounts for Regular Shares
121,628
All other shares
2,554
Money Market Shares
6,818
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)
141,096,867
Total Liabilities
1,346,249,576
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for First Commonwealth Federal Credit Union yet. Feel free to create one below.
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Add Your Rating and Review for First Commonwealth Federal Credit Union
Frequently Asked Questions About First Commonwealth Federal Credit UnionHow many branches does First Commonwealth Federal Credit Union operate?First Commonwealth 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 First Commonwealth Federal Credit Union?Yes, to access services at First Commonwealth 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, First Commonwealth 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, First Commonwealth Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does First Commonwealth Federal Credit Union offer online and mobile banking?Most modern institutions like First Commonwealth 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.firstcomcu.org. Current First Commonwealth Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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