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First Commonwealth Federal Credit Union Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
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.
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: October 9, 2026
First Commonwealth Federal Credit Union's top rates as of October 9, 2026 are 4.25% APY on its 19-month CD, 6.38% on its Fixed Rate Mortgage, personal loans from 9.99% APR, and credit cards from 10.74% APR, according to rates verified by MonitorBankRates. Other First Commonwealth Federal Credit Union mortgage rates include Fixed Rate Mortgage at 6.50%, Fixed Rate Mortgage at 6.75%, and Fixed Rate Mortgage at 6.88%. 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 10.25%. Rates last updated and verified on 10/09/2026.
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 has earned an overall safety grade of A (Excellent, Score: 95/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
First Commonwealth Federal Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
10.25%
ExcellentHigher than avg
First Commonwealth Federal Credit Union Texas Ratio
First Commonwealth Federal Credit Union's Texas Ratio is 10.25%, which is considered excellent and is higher than the national average of 6.13%.
First Commonwealth Federal Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
First Commonwealth Federal Credit Union Health Trend
5.87% to 10.25% over 12 quarters, steadyFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A
The Texas Ratio for this credit union has held steady at a healthy level since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
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.
First Commonwealth Federal Credit Union CD Rates
Product
Rate
APY
Term
View More
19-month Certificate
-
4.25%
19-Months
DetailsLock In 4.25% APY* Before It's Gone Our 19-month Certificate is offering 4.25% APY* for a limited time. Put your money to work at a rate that's hard to find right now, with the security of a fixed return.
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
Sep 18, 20264.25%▲ from 4.00%
Sep 14, 20264.00%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
First Commonwealth Federal Credit Union Mortgage Rates
Product
Rate
Points
APR
Term
View More
Fixed Rate Mortgage
6.50%
2%
7.148%
15 Years
DetailsAs low as; Loans with less than 20% down payment will require private mortgage insurance.
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 7.15% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
Fixed Rate Mortgage
6.75%
2%
7.273%
20 Years
DetailsAs low as; Loans with less than 20% down payment will require private mortgage insurance.
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 7.27% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
Fixed Rate Mortgage
6.875%
2%
7.278%
30 Years
DetailsAs low as; Loans with less than 20% down payment will require private mortgage insurance.
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 7.28% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
Fixed Rate Mortgage
6.375%
2%
7.284%
10 Years
DetailsAs low as; Loans with less than 20% down payment will require private mortgage insurance.
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 7.28% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
Fixed Rate Mortgage
7.00%
0%
7.321%
15 Years
DetailsAs low as; Loans with less than 20% down payment will require private mortgage insurance.
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 7.32% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
Fixed Rate Mortgage
6.875%
0%
7.324%
10 Years
DetailsAs low as; Loans with less than 20% down payment will require private mortgage insurance.
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 7.32% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
Mortgage - FHA
7.00%
0%
7.394%
30 Years
DetailsAs of October 1, 2026; Subject to credit approval. Rates, terms, and information are subject to change at any time. Rates offered are dependent on credit score at application. Rates are locked for 60 days. Loans with less than 20% down payment will require private mortgage insurance. NMLS 595144
Last Updated10/09/2026
Rate History
1 change since Sep 21, 2026 · 6.88% → 7.39% ▲ 0.51 pts · high 7.39% / low 6.88%
Oct 2, 20267.39%▲ from 6.88%
Sep 21, 20266.88%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
Fixed Rate Mortgage
7.25%
0%
7.511%
20 Years
DetailsAs low as; Loans with less than 20% down payment will require private mortgage insurance.
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 7.51% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
Fixed Rate Mortgage
7.375%
0%
7.578%
30 Years
DetailsAs low as; Loans with less than 20% down payment will require private mortgage insurance.
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 7.58% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
First Commonwealth Federal Credit Union Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
Home Equity Loan
-
-
5.74%
5 Years
DetailsLoan to Value: up to 80%; 1st Lien Position
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 5.74% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
Home Equity Loan
-
-
5.99%
5 Years
DetailsLoan to Value: up to 80%; 2nd Lien Position
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 5.74% → 5.99% ▲ 0.25 pts · high 5.99% / low 5.74%
Sep 17, 20265.99%▲ from 5.74%
Sep 14, 20265.74%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
Home Equity Loan
-
-
5.99%
10 Years
DetailsLoan to Value: up to 80%; 1st Lien Position
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 6.38% → 5.99% ▼ 0.39 pts · high 6.38% / low 5.99%
Sep 17, 20265.99%▼ from 6.38%
Sep 14, 20266.38%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
Home Equity Loan
-
-
6.12%
5 Years
DetailsLoan to Value: up to 90%; 1st Lien Position
Last Updated10/09/2026
Rate History
4 changes since Sep 14, 2026 · 5.74% → 6.12% ▲ 0.38 pts · high 6.12% / low 5.74%
Oct 5, 20266.12%▲ from 5.99%
Oct 2, 20265.99%▼ from 6.12%
Sep 21, 20266.12%▲ from 5.99%
Sep 17, 20265.99%▲ from 5.74%
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
Home Equity Loan
-
-
6.12%
15 Years
DetailsLoan to Value: up to 80%; 1st Lien Position
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 6.37% → 6.12% ▼ 0.25 pts · high 6.37% / low 6.12%
Sep 17, 20266.12%▼ from 6.37%
Sep 14, 20266.37%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
Home Equity Loan
-
-
6.24%
10 Years
DetailsLoan to Value: up to 90%; 1st Lien Position
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 6.38% → 6.24% ▼ 0.14 pts · high 6.38% / low 6.24%
Sep 17, 20266.24%▼ from 6.38%
Sep 14, 20266.38%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
Home Equity Loan
-
-
6.24%
20 Years
DetailsLoan to Value: up to 80%; 1st Lien Position
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 6.49% → 6.24% ▼ 0.25 pts · high 6.49% / low 6.24%
Sep 17, 20266.24%▼ from 6.49%
Sep 14, 20266.49%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
Home Equity Loan
-
-
6.37%
15 Years
DetailsLoan to Value: up to 90%; 1st Lien Position
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 6.37% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
Home Equity Loan
-
-
6.38%
10 Years
DetailsLoan to Value: up to 80%; 2nd Lien Position
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 6.38% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
Home Equity Loan
-
-
6.49%
20 Years
DetailsLoan to Value: up to 90%; 1st Lien Position
Last Updated10/09/2026
Rate History
2 changes since Sep 14, 2026 · 6.49% → 6.49% ▼ 0.00 pts · high 6.49% / low 6.24%
Sep 29, 20266.49%▲ from 6.24%
Sep 25, 20266.24%▼ from 6.49%
Sep 14, 20266.49%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
Home Equity Loan
-
-
6.50%
15 Years
DetailsLoan to Value: up to 80%; 2nd Lien Position
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 6.50% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
Home Equity Loan
-
-
6.74%
5 Years
DetailsLoan to Value: up to 90%; 2nd Lien Position
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 5.74% → 6.74% ▲ 1.00 pts · high 6.74% / low 5.74%
Sep 17, 20266.74%▲ from 5.74%
Sep 14, 20265.74%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
Home Equity Line of Credit - 3-Year Fixed-Rate 1st Lien
6.75%
-
6.75%
3-Year
DetailsLoan to Value: up to 80%; APR After Initial Period: 6.75%; Home Equity Line of Credits (HELOC) are variable, and your rate and APR may change after the original fixed-rate period. Your initial rate for the introductory period will be fixed and in effect for 3 years. Your subsequent rates may vary and will be based on the then Prime Rate plus a margin. Accounts have a draw period of 15 years, after which you will be required to repay any outstanding amount in one balloon payment. If only minimum payments are made, the loan balance will not decrease.
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 6.75% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
Home Equity Loan
-
-
6.75%
20 Years
DetailsLoan to Value: up to 80%; 2nd Lien Position
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 6.75% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
Home Equity Loan
-
-
7.74%
10 Years
DetailsLoan to Value: up to 90%; 2nd Lien Position
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 6.74% → 7.74% ▲ 1.00 pts · high 7.74% / low 6.74%
Sep 17, 20267.74%▲ from 6.74%
Sep 14, 20266.74%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
Home Equity Loan
-
-
7.99%
15 Years
DetailsLoan to Value: up to 90%; 2nd Lien Position
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 7.99% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
Home Equity Loan
-
-
8.49%
20 Years
DetailsLoan to Value: up to 90%; 2nd Lien Position
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 8.49% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
First Commonwealth Federal Credit Union Auto Loan Rates
Product
Rate
Points
APR
Term
View More
New Auto Loan
-
-
5.49%
3 - 36 months
DetailsModel Years: 2025 - 2027
Last Updated10/09/2026
Rate History
1 change since Sep 17, 2026 · 4.99% → 5.49% ▲ 0.50 pts · high 5.49% / low 4.99%
Oct 5, 20265.49%▲ from 4.99%
Sep 17, 20264.99%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
New Auto Loan
-
-
5.49%
37 - 48 months
DetailsModel Years: 2025 - 2027
Last Updated10/09/2026
Rate History
1 change since Sep 17, 2026 · 4.99% → 5.49% ▲ 0.50 pts · high 5.49% / low 4.99%
Oct 5, 20265.49%▲ from 4.99%
Sep 17, 20264.99%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
New Auto Loan
-
-
5.49%
49 - 60 months
DetailsModel Years: 2025 - 2027
Last Updated10/09/2026
Rate History
1 change since Sep 17, 2026 · 4.99% → 5.49% ▲ 0.50 pts · high 5.49% / low 4.99%
Oct 5, 20265.49%▲ from 4.99%
Sep 17, 20264.99%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
Used Auto Loan
-
-
5.49%
67 - 75 months
DetailsModel Years: 2022 - 2027
Last Updated10/09/2026
Rate History
No change since Sep 17, 2026 · 5.49% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
New Auto Loan
-
-
5.74%
61 - 66 months
DetailsModel Years: 2025 - 2027
Last Updated10/09/2026
Rate History
1 change since Sep 17, 2026 · 5.24% → 5.74% ▲ 0.50 pts · high 5.74% / low 5.24%
Oct 5, 20265.74%▲ from 5.24%
Sep 17, 20265.24%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
Used Auto Loan
-
-
5.74%
3 - 36 months
DetailsModel Years: 2022 - 2027
Last Updated10/09/2026
Rate History
1 change since Sep 17, 2026 · 5.24% → 5.74% ▲ 0.50 pts · high 5.74% / low 5.24%
Oct 5, 20265.74%▲ from 5.24%
Sep 17, 20265.24%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
Used Auto Loan
-
-
5.74%
37 - 48 months
DetailsModel Years: 2022 - 2027
Last Updated10/09/2026
Rate History
1 change since Sep 17, 2026 · 5.24% → 5.74% ▲ 0.50 pts · high 5.74% / low 5.24%
Oct 5, 20265.74%▲ from 5.24%
Sep 17, 20265.24%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
Used Auto Loan
-
-
5.74%
49 - 60 months
DetailsModel Years: 2022 - 2027
Last Updated10/09/2026
Rate History
2 changes since Sep 14, 2026 · 7.99% → 5.74% ▼ 2.25 pts · high 7.99% / low 5.24%
Oct 5, 20265.74%▲ from 5.24%
Sep 17, 20265.24%▼ from 7.99%
Sep 14, 20267.99%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
New Auto Loan
-
-
5.99%
67 - 75 months
DetailsModel Years: 2025 - 2027
Last Updated10/09/2026
Rate History
1 change since Sep 17, 2026 · 5.24% → 5.99% ▲ 0.75 pts · high 5.99% / low 5.24%
Oct 5, 20265.99%▲ from 5.24%
Sep 17, 20265.24%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
Used Auto Loan
-
-
5.99%
61 - 66 months
DetailsModel Years: 2022 - 2027
Last Updated10/09/2026
Rate History
1 change since Sep 17, 2026 · 5.49% → 5.99% ▲ 0.50 pts · high 5.99% / low 5.49%
Oct 5, 20265.99%▲ from 5.49%
Sep 17, 20265.49%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
Used Auto Loan
-
-
5.99%
67 - 75 months
DetailsModel Years: 2018 - 2021
Last Updated10/09/2026
Rate History
No change since Sep 17, 2026 · 5.99% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
New Auto Loan
-
-
6.24%
76 - 84 months
DetailsModel Years: 2025 - 2027
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 5.74% → 6.24% ▲ 0.50 pts · high 6.24% / low 5.74%
Oct 5, 20266.24%▲ from 5.74%
Sep 14, 20265.74%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
Used Auto Loan
-
-
6.24%
3 - 36 months
DetailsModel Years: 2018 - 2021
Last Updated10/09/2026
Rate History
1 change since Sep 17, 2026 · 5.74% → 6.24% ▲ 0.50 pts · high 6.24% / low 5.74%
Oct 5, 20266.24%▲ from 5.74%
Sep 17, 20265.74%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
Used Auto Loan
-
-
6.24%
37 - 48 months
DetailsModel Years: 2018 - 2021
Last Updated10/09/2026
Rate History
1 change since Sep 17, 2026 · 5.74% → 6.24% ▲ 0.50 pts · high 6.24% / low 5.74%
Oct 5, 20266.24%▲ from 5.74%
Sep 17, 20265.74%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
Used Auto Loan
-
-
6.24%
49 - 60 months
DetailsModel Years: 2018 - 2021
Last Updated10/09/2026
Rate History
2 changes since Sep 14, 2026 · 7.99% → 6.24% ▼ 1.75 pts · high 7.99% / low 5.74%
Oct 5, 20266.24%▲ from 5.74%
Sep 17, 20265.74%▼ from 7.99%
Sep 14, 20267.99%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
Used Auto Loan
-
-
6.49%
61 - 66 months
DetailsModel Years: 2018 - 2021
Last Updated10/09/2026
Rate History
1 change since Sep 17, 2026 · 5.99% → 6.49% ▲ 0.50 pts · high 6.49% / low 5.99%
Oct 5, 20266.49%▲ from 5.99%
Sep 17, 20265.99%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
Used Auto Loan
-
-
6.49%
76 - 84 months
DetailsModel Years: 2022 - 2027
Last Updated10/09/2026
Rate History
1 change since Sep 17, 2026 · 5.99% → 6.49% ▲ 0.50 pts · high 6.49% / low 5.99%
Oct 5, 20266.49%▲ from 5.99%
Sep 17, 20265.99%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
Used Auto Loan
-
-
8.24%
3 - 36 months
DetailsModel Years: 2017 & older
Last Updated10/09/2026
Rate History
1 change since Sep 17, 2026 · 7.74% → 8.24% ▲ 0.50 pts · high 8.24% / low 7.74%
Oct 5, 20268.24%▲ from 7.74%
Sep 17, 20267.74%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
Used Auto Loan
-
-
8.24%
37 - 48 months
DetailsModel Years: 2017 & older
Last Updated10/09/2026
Rate History
1 change since Sep 17, 2026 · 7.74% → 8.24% ▲ 0.50 pts · high 8.24% / low 7.74%
Oct 5, 20268.24%▲ from 7.74%
Sep 17, 20267.74%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
Used Auto Loan
-
-
8.49%
49 - 60 months
DetailsModel Years: 2017 & older
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 7.99% → 8.49% ▲ 0.50 pts · high 8.49% / low 7.99%
Oct 5, 20268.49%▲ from 7.99%
Sep 14, 20267.99%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
First Commonwealth Federal Credit Union RV, Boat and Powersport Loan Rates
Product
Rate
APR
Term
View More
New Motorcycle and Powersport Loan
-
6.74%
3 - 72 months
DetailsModel Years: 2025 - 2027
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 6.74% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
New Motorcycle and Powersport Loan
-
7.24%
73 - 84 months
DetailsModel Years: 2025 - 2027
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 7.24% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
Used Motorcycle and Powersport Loan
-
7.24%
3 - 66 months
DetailsModel Years: 2022 - 2027
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 7.24% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
New RV & Boat Loan
-
7.74%
3 - 60 months
DetailsModel Years: 2025 - 2027
Last Updated10/09/2026
Rate History
No change since Sep 17, 2026 · 7.74% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
New RV & Boat Loan
-
7.74%
61 - 84 months
DetailsModel Years: 2025 - 2027
Last Updated10/09/2026
Rate History
No change since Sep 17, 2026 · 7.74% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
Used Motorcycle and Powersport Loan
-
7.74%
67 - 72 months
DetailsModel Years: 2025 - 2026
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 7.74% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
New RV & Boat Loan
-
7.99%
85 - 120 months
DetailsModel Years: 2025 - 2027
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 7.99% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
Used Motorcycle and Powersport Loan
-
7.99%
3 - 66 months
DetailsModel Years: 2021 & older
Last Updated10/09/2026
Rate History
2 changes since Sep 14, 2026 · 7.99% → 7.99% ▼ 0.00 pts · high 7.99% / low 7.24%
Sep 18, 20267.99%▲ from 7.24%
Sep 17, 20267.24%▼ from 7.99%
Sep 14, 20267.99%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
Used RV & Boat Loan
-
7.99%
3 - 60 months
DetailsModel Years: 2022 & newer
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 7.99% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
New RV & Boat Loan
-
8.24%
121 - 144 months
DetailsModel Years: 2025 - 2027
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 8.24% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
New RV & Boat Loan
-
8.49%
145-180 months
DetailsModel Years: 2025 - 2027
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 8.49% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
Used RV & Boat Loan
-
8.49%
3 - 60 months
DetailsModel Years: 2018 - 2021
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 7.99% → 8.49% ▲ 0.50 pts · high 8.49% / low 7.99%
Sep 17, 20268.49%▲ from 7.99%
Sep 14, 20267.99%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
Used RV & Boat Loan
-
8.99%
61 - 84 months
DetailsModel Years: 2022 & newer
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 8.99% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
Used RV & Boat Loan
-
9.99%
85 - 120 months
DetailsModel Years: 2022 & newer
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 9.99% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
Used RV & Boat Loan
-
10.24%
121 - 144 months
DetailsModel Years: 2024 & newer
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 10.24% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
First Commonwealth Federal Credit Union Credit Card Rates
Product
Rate
APR
View More
VISA Platinum
-
10.74%
No additional details.
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 10.49% → 10.74% ▲ 0.25 pts · high 10.74% / low 10.49%
Oct 5, 202610.74%▲ from 10.49%
Sep 14, 202610.49%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
VISA Platinum Rewards
-
12.00%
No additional details.
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 11.75% → 12.00% ▲ 0.25 pts · high 12.00% / low 11.75%
Oct 5, 202612.00%▲ from 11.75%
Sep 14, 202611.75%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
VISA Signature
-
18.00%
No additional details.
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 17.75% → 18.00% ▲ 0.25 pts · high 18.00% / low 17.75%
Oct 5, 202618.00%▲ from 17.75%
Sep 14, 202617.75%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
First Commonwealth Federal Credit Union Personal Loan Rates
Product
APR
Term
View More
Personal Loans (unsecured - fixed rate)
9.99%
3 - 24 months
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 9.99% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
Personal Loans (unsecured - fixed rate)
10.49%
25 - 60 months
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 10.49% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
Personal Line of Credit (variable rate)
12.75%
No additional details.
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 12.50% → 12.75% ▲ 0.25 pts · high 12.75% / low 12.50%
Oct 5, 202612.75%▲ from 12.50%
Sep 14, 202612.50%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
VISA Signature
18.00%
No additional details.
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 17.75% → 18.00% ▲ 0.25 pts · high 18.00% / low 17.75%
Oct 5, 202618.00%▲ from 17.75%
Sep 14, 202617.75%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
First Commonwealth Federal Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
Special Loan
-
-
7.99%
3 - 12 months
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 7.99% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
Financial Health History
First Commonwealth Federal Credit Union’s Texas Ratio rose from 5.87% in Q3 2023 to 10.25% in Q2 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)
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
$1.5B
10.25%
5.0
A
March 31, 2026
$1.5B
6.88%
5.0
A
December 31, 2025
$1.5B
8.64%
5.0
A
September 30, 2025
$1.4B
8.65%
5.0
A
June 30, 2025
$1.4B
8.92%
5.0
A
March 31, 2025
$1.4B
7.83%
5.0
A
December 31, 2024
$1.4B
5.74%
5.0
A+
September 30, 2024
$1.3B
6.59%
5.0
A
June 30, 2024
$1.4B
5.47%
5.0
A+
March 31, 2024
$1.2B
5.76%
5.0
A+
December 31, 2023
$1.2B
6.73%
5.0
A
September 30, 2023
$1.2B
5.87%
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 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 NameFirst Commonwealth Federal Credit Union
Address
6126 Hamilton Blvd Ste 100,
Allentown, PA 18106
Phone610-821-2400
Fax
PresidentWilliam Ehritz
CEODonna LoStocco
Full-Time Employees240
Part-Time Employees2
Branch Locations16
ATM Locations15
NCUA Insured✓ Yes, up to $250,000 per depositor
Financials
MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (95/100)
Texas Ratio
10.25%
Return on Assets (ROA)
0.3422%
Return on Equity (ROE)
3.4151%
Non-Performing Loans Ratio (NPL)
1.53%
Total Assets
1,468,442,993
Total Amount of Shares and Deposits
1,315,605,586
Total Shares and Deposits < 1 Year
1,299,485,565
Total Shares and Deposits 1 3 Years
12,176,489
Total Shares and Deposits > 3 Years
3,943,532
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
101,499,320
Total Uninsured Shares and Deposits > $250K (F+J)
101,499,320
Total Insured Shares and Deposits > $250K (item 17 less item K)
1,214,106,266
Total Interest Expense (Sum of items 6 8)
9,529,011
Share Certificates
13,842
Number of Accounts for Share Drafts
63,444
IRA KEOGH Accounts
3,840
Number of Accounts for Regular Shares
121,878
All other shares
2,566
Money Market Shares
6,870
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)
100,189,339
Total Liabilities
1,331,460,494
Source: NCUA — Last Updated 06/30/2026
Q2 2026 MBR Health & Safety Badge
First Commonwealth 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.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
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Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for First Commonwealth Federal Credit Union
Frequently Asked Questions About First Commonwealth Federal Credit Union
How 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
18-Month CD4.25%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
