What are the current interest rates at PAGODA?

Current rates for PAGODA include: 12-Month CD: 2.00%

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PAGODA Rates & Review October 2026

Q: How many branches does PAGODA operate?

PAGODA 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 PAGODA?

Yes, to access services at PAGODA, 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, PAGODA 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, PAGODA 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 and Verified: October 10, 2026

PAGODA's top rates as of October 10, 2026 are 2.00% APY on its 12 Month CD, and personal loans from 8.99% APR, according to rates verified by MonitorBankRates. MonitorBankRates evaluates the financial stability of PAGODA with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.75%. Rates last updated and verified on 10/10/2026.

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

Verified Healthy Q2 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

0.75%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

PAGODA
Reading Office

833 Washington St
Reading, PA 19601-3658

http://www.pagodafcu.org

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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.

PAGODA CD Rates

Product	Rate	APY	Term	View More
12 Month Certificate	2.00%	2.00%	12 Month
Min Balance $500 Details As low as 2.00%* Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 2.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%

PAGODA Savings Rates

Product	Rate	APY
Club Account	0.15%	0.15%
Min Balance $15,000 Details As low as; Balance: $15,000 + Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 0.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Club Account	0.10%	0.10%
Min Balance $2,500 Details As low as; Balance: $2,500 to $14,999.99 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Club Account	0.05%	0.05%
Min Balance $100 Details As low as; Balance: $100 to $2,499.99 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%

PAGODA Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto	-	-	5.25%	24 - 48 Months
Details As low as; See rate sheet for details. Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 5.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
New Auto	-	-	5.25%	60 Months
Details As low as; See rate sheet for details. Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 5.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Used Auto	-	-	5.25%	24-48 Months
Details As low as*; Years: 2026-2019 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 5.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Used Auto	-	-	5.25%	60 Months
Details As low as*; Years: 2026-2019 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 5.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
New Auto	-	-	5.75%	72 Months
Details As low as; See rate sheet for details. Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 5.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Used Auto	-	-	5.75%	72 Months
Details As low as*; Years: 2026-2019 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 5.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
New Auto	-	-	6.00%	84-96 Months
Details As low as; See rate sheet for details. Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 6.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%

PAGODA Personal Loan Rates

Product	APR	Term
Signature Individual Loan	8.99%	12 Months
Details $10,000; As low as Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 8.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Signature Loan	9.25%	24 Months
Details As low as Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 9.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Signature Loan	9.49%	36 Months
Details As low as Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 9.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Signature Loan	9.75%	48 Months
Details As low as Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 9.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Signature Loan	9.99%	60 Months
Details As low as Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 9.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Personal Service Loan	12.00%
Details As low as; $2500 Individual ONLY Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 12.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%

PAGODA Other Rates

Product	Rate	Points	APY/APR
IRA Accumulation	0.05%	-	0.05%
Min Balance $100 Details As low as; Balance: $100 to $2,499.99 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
IRA Accumulation	0.10%	-	0.10%
Min Balance $2,500 Details As low as; Balance: $2,500 to $14,999.99 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
IRA Accumulation	0.15%	-	0.15%
Min Balance $15,000 Details As low as; Balance: $15,000 + Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 0.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Regular Share	0.05%	-	0.05%
Min Balance $100 Details As low as; Balance: $100 to $2,499.99 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Regular Share	0.10%	-	0.10%
Min Balance $2,500 Details As low as; Balance: $2,500 to $14,999.99 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Regular Share	0.15%	-	0.15%
Min Balance $15,000 Details As low as; Balance: $15,000 + Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 0.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

PAGODA’s Texas Ratio fell from 1.44% in Q3 2023 to 0.75% in Q2 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.

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

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	$33M	0.75%	5.0	A+
March 31, 2026	$33M	0.78%	5.0	A+
December 31, 2025	$32M	1.42%	5.0	A+
September 30, 2025	$31M	0.27%	5.0	A+
June 30, 2025	$31M	0.11%	5.0	A+
March 31, 2025	$32M	0.00%	5.0	A+
December 31, 2024	$30M	0.27%	5.0	A+
September 30, 2024	$30M	0.00%	5.0	A+
June 30, 2024	$30M	0.00%	5.0	A+
March 31, 2024	$30M	0.33%	5.0	A+
December 31, 2023	$30M	1.57%	5.0	A+
September 30, 2023	$31M	1.44%	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 PAGODA 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 PAGODA 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 PAGODA's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name PAGODA

Website http://www.pagodafcu.org

Address 833 Washington St, Reading, PA 19601-3658

Phone 610-373-3840

Fax 610-373-4479

President Sandy Hummel

CEO Debra Guthier

Full-Time Employees 5

Part-Time Employees 0

Branch Locations 1

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

0.75%

Return on Assets (ROA)

0.9072%

Return on Equity (ROE)

7.5798%

Non-Performing Loans Ratio (NPL)

0.31%

Total Assets

32,621,832

Total Amount of Shares and Deposits

28,590,823

Total Shares and Deposits < 1 Year

28,590,823

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

1,173,506

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

1,173,506

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

27,417,317

Total Interest Expense (Sum of items 6 8)

20,493

Share Certificates

Number of Accounts for Share Drafts

1,544

IRA KEOGH Accounts

Number of Accounts for Regular Shares

3,228

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)

3,156,560

Total Liabilities

28,717,331

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

PAGODA 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.

<a href="https://monitorbankrates.com/credit-unions/pagoda-rates-review-15532">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About PAGODA

How many branches does PAGODA operate?

PAGODA 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 PAGODA?

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

Does PAGODA offer online and mobile banking?

Most modern institutions like PAGODA 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://www.pagodafcu.org.