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Franklin Oil Region Credit Union

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Franklin Oil Region Credit Union Rates & Review April 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Franklin Oil Region 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: April 23, 2026

You can compare Franklin Oil Region Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 3.24%, 6-month share certificate rates at 3.00% and 3-month share certificate rates at 0.50%. Savings rates are at 0.75% and money market rates are at 0.30%. Mortgage rates on 30-year fixed loans are around 5.97%. All these rates can be compared to Franklin Oil Region Credit Union rates. MonitorBankRates evaluates the financial stability of Franklin Oil Region Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.52%. Rates were last updated on 04/23/2026.

Franklin Oil Region 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 Franklin Oil Region Credit Union? Share your experience about Franklin Oil Region Credit Union by leaving a review below, or read customer reviews before you decide to use Franklin Oil Region Credit Union.

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.52%

Excellent Lower than avg

Franklin Oil Region Credit Union
Franklin Oil Region Credit Union

101 N 13th ST
Franklin, PA 16323 2343

https://for-cu.com/

Current Rate Availability

We do not have Franklin Oil Region Credit Union rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Franklin Oil Region 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 Franklin Oil Region 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 Franklin Oil Region Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Franklin Oil Region Credit Union

Website https://for-cu.com/

Address 101 N 13th ST, Franklin, PA 16323 2343

Phone 814-432-4091

Fax 814-437-2720

President Joyce Luton

CEO Karen Baldwin

Full-Time Employees 19

Part-Time Employees 1

Branch Locations 3

ATM Locations 5

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

3.52%

Return on Assets (ROA)

0.0526%

Return on Equity (ROE)

0.3404%

Non-Performing Loans Ratio (NPL)

0.81%

Total Assets

37,884,903

Total Amount of Shares and Deposits

31,902,811

Total Shares and Deposits < 1 Year

31,304,117

Total Shares and Deposits 1 3 Years

581,787

Total Shares and Deposits > 3 Years

16,907

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

4,054

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

4,054

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

31,898,757

Total Interest Expense (Sum of items 6 8)

227,416

Share Certificates

273

Number of Accounts for Share Drafts

3,515

IRA KEOGH Accounts

Number of Accounts for Regular Shares

7,577

Money Market Shares

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

1,836,415

Total Liabilities

32,029,107

Source: NCUA — Last Updated 09/30/2025

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Frequently Asked Questions About Franklin Oil Region Credit Union

Is Franklin Oil Region Credit Union a safe place to deposit money?

Yes, Franklin Oil Region Credit Union is considered a safe financial institution. With a Texas Ratio of 3.5172161052059%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does Franklin Oil Region Credit Union operate?

Franklin Oil Region 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 Franklin Oil Region Credit Union?

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

Does Franklin Oil Region Credit Union offer online and mobile banking?

Most modern institutions like Franklin Oil Region 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://for-cu.com/.