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LUZERNE COUNTY

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LUZERNE COUNTY Rates & Review March 2026

Q: How many branches does LUZERNE COUNTY operate?

LUZERNE COUNTY currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join LUZERNE COUNTY?

Yes, to access services at LUZERNE COUNTY, 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.

Q: Is there a first-time homebuyer program?

Currently, LUZERNE COUNTY 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, LUZERNE COUNTY 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: March 28, 2026

You can compare LUZERNE COUNTY rates to other rates in our database, including 12-month share certificate rates currently at 3.40%, 6-month share certificate rates at 3.90% and 3-month share certificate rates at 0.10%. Savings rates are at 0.25% and money market rates are at 0.25%. Mortgage rates on 30-year fixed loans are around 6.00%. All these rates can be compared to LUZERNE COUNTY rates. MonitorBankRates evaluates the financial stability of LUZERNE COUNTY with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 9.16%. Rates were last updated on 03/28/2026.

LUZERNE COUNTY 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 LUZERNE COUNTY? Share your experience about LUZERNE COUNTY by leaving a review below, or read customer reviews before you decide to use LUZERNE COUNTY.

Overall Health & Safety Grade

Excellent Health Score: 95/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

9.16%

Excellent Higher than avg

First State Community Bank
Corporate Office

20 N PENNSYLVANIA AVE
Wilkes Barre, PA 18701 3503

http://.

Current Rate Availability

We do not have LUZERNE COUNTY 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 LUZERNE COUNTY 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 LUZERNE COUNTY 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 LUZERNE COUNTY's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name LUZERNE COUNTY

Website http://.

Address 20 N PENNSYLVANIA AVE, Wilkes Barre, PA 18701 3503

Phone 570-825-1790

Fax 570-829-4506

President Thomas Pizano

CEO Amy Chappell

Full-Time Employees 7

Part-Time Employees 2

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 (95/100)

Texas Ratio

9.16%

Return on Assets (ROA)

-0.0451%

Return on Equity (ROE)

-0.5731%

Non-Performing Loans Ratio (NPL)

2.07%

Total Assets

20,729,946

Total Amount of Shares and Deposits

18,884,750

Total Shares and Deposits < 1 Year

18,780,424

Total Shares and Deposits 1 3 Years

104,326

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

18,884,750

Total Interest Expense (Sum of items 6 8)

10,113

Share Certificates

Number of Accounts for Share Drafts

992

Number of Accounts for Regular Shares

1,849

All other shares

485

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

1,185,275

Total Liabilities

19,098,393

Source: NCUA — Last Updated 03/31/2024

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Frequently Asked Questions About LUZERNE COUNTY

Is LUZERNE COUNTY a safe place to deposit money?

Yes, LUZERNE COUNTY is considered a safe financial institution. With a Texas Ratio of 9.1597248109808%, 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 LUZERNE COUNTY operate?

LUZERNE COUNTY 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 LUZERNE COUNTY?

Yes, to access services at LUZERNE COUNTY, 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, LUZERNE COUNTY 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, LUZERNE COUNTY provides members with tools to manage their accounts and build a solid financial history.

Does LUZERNE COUNTY offer online and mobile banking?

Most modern institutions like LUZERNE COUNTY 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: http://..