What are the current interest rates at Palisades Federal Credit Union?

Current rates for Palisades Federal Credit Union include: 12-Month CD: 0.05%, 18-Month CD: 0.05%, 24-Month CD: 0.05%, 60-Month CD: 0.05%, Savings: 2.25%

MonitorBankRates

☰

Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results

Home›
Credit Unions›
Palisades Federal Credit Union

iAdvertiser Disclosure

Palisades Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Palisades Federal 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 and Verified: October 12, 2026

Palisades Federal Credit Union's top rates as of October 12, 2026 are 5.00% APY on its 11-Month CD (new money only), 2.25% APY on savings, personal loans from 10.99% APR, and credit cards from 15.99% APR, according to rates verified by MonitorBankRates. Other Palisades Federal Credit Union CD rates include 16-Month CD at 4.50%, 4-Month CD at 4.00%, and 12 Month IRA CD at 0.20%. MonitorBankRates evaluates the financial stability of Palisades Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.31%. Rates last updated and verified on 10/12/2026.

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

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

7.31%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Palisades Federal Credit Union
Pearl River

1 Blue Hill Plz
Pearl River, NY 10965-3104

https://www.palisadesfcu.org

Customer Reviews

Be the first to review

Write a Review

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.

Palisades Federal Credit Union CD Rates

Product	Rate	APY	Term
11-Month Certificate (new money only)	4.88%	5.00%	11-Month
Min Balance $500 Details Balance: $500 +; New money only Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.00% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
16-Month Certificate	4.40%	4.50%	16-Month
Min Balance $500 Details Balance: $500 + Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 4.30% → 4.50% ▲ 0.20 pts · high 4.50% / low 4.30% Oct 12, 20264.50%▲ from 4.30% Sep 14, 20264.30%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
4-Month Certificate	3.92%	4.00%	4-Month
Min Balance $500 Details Balance: $500 + Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 3.90% → 4.00% ▲ 0.10 pts · high 4.00% / low 3.90% Oct 12, 20264.00%▲ from 3.90% Sep 14, 20263.90%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
12 Month IRA Certificate	0.20%	0.20%	12 Month
Min Balance $100,000 Details Balance: $100,000 - $149,999.99 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
12 Month IRA Certificate	0.20%	0.20%	12 Month
Min Balance $150,000 Details Balance: $150,000 + Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
12-Month Certificate	0.20%	0.20%	12-Month
Min Balance $100,000 Details Balance: $100,000.00 - $149,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
12-Month Certificate	0.20%	0.20%	12-Month
Min Balance $150,000 Details Balance: $150,000.00 + Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
18-Month Certificate	0.20%	0.20%	18-Month
Min Balance $100,000 Details Balance: $100,000.00 - $149,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
18-Month Certificate	0.20%	0.20%	18-Month
Min Balance $150,000 Details Balance: $150,000.00 + Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
24 Month IRA Certificate	0.20%	0.20%	24 Month
Min Balance $100,000 Details Balance: $100,000 - $149,999.99 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
24 Month IRA Certificate	0.20%	0.20%	24 Month
Min Balance $150,000 Details Balance: $150,000 + Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
24-Month Certificate	0.20%	0.20%	24-Month
Min Balance $100,000 Details Balance: $100,000.00 - $149,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
24-Month Certificate	0.20%	0.20%	24-Month
Min Balance $150,000 Details Balance: $150,000.00 + Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
3-Month Certificate	0.20%	0.20%	3-Month
Min Balance $100,000 Details Balance: $100,000.00 - $149,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
3-Month Certificate	0.20%	0.20%	3-Month
Min Balance $150,000 Details Balance: $150,000.00 + Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
36 Month IRA Certificate	0.20%	0.20%	36 Month
Min Balance $100,000 Details Balance: $100,000 - $149,999.99 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
36 Month IRA Certificate	0.20%	0.20%	36 Month
Min Balance $150,000 Details Balance: $150,000 + Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
36-Month Certificate	0.20%	0.20%	36-Month
Min Balance $100,000 Details Balance: $100,000.00 - $149,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
36-Month Certificate	0.20%	0.20%	36-Month
Min Balance $150,000 Details Balance: $150,000.00 + Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
48 Month IRA Certificate	0.20%	0.20%	48 Month
Min Balance $100,000 Details Balance: $100,000 - $149,999.99 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
48 Month IRA Certificate	0.20%	0.20%	48 Month
Min Balance $150,000 Details Balance: $150,000 + Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
48-Month Certificate	0.20%	0.20%	48-Month
Min Balance $100,000 Details Balance: $100,000.00 - $149,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
48-Month Certificate	0.20%	0.20%	48-Month
Min Balance $150,000 Details Balance: $150,000.00 + Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
6-Month Certificate	0.20%	0.20%	6-Month
Min Balance $100,000 Details Balance: $100,000.00 - $149,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
6-Month Certificate	0.20%	0.20%	6-Month
Min Balance $150,000 Details Balance: $150,000.00 + Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
60 Month IRA Certificate	0.20%	0.20%	60 Month
Min Balance $100,000 Details Balance: $100,000 - $149,999.99 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
60 Month IRA Certificate	0.20%	0.20%	60 Month
Min Balance $150,000 Details Balance: $150,000 + Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
60-Month Certificate	0.20%	0.20%	60-Month
Min Balance $100,000 Details Balance: $100,000.00 - $149,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
60-Month Certificate	0.20%	0.20%	60-Month
Min Balance $150,000 Details Balance: $150,000.00 + Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
12 Month IRA Certificate	0.15%	0.15%	12 Month
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
12-Month Certificate	0.15%	0.15%	12-Month
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
18-Month Certificate	0.15%	0.15%	18-Month
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
24 Month IRA Certificate	0.15%	0.15%	24 Month
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
24-Month Certificate	0.15%	0.15%	24-Month
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
36 Month IRA Certificate	0.15%	0.15%	36 Month
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
36-Month Certificate	0.15%	0.15%	36-Month
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
48 Month IRA Certificate	0.15%	0.15%	48 Month
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
48-Month Certificate	0.15%	0.15%	48-Month
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
6-Month Certificate	0.15%	0.15%	6-Month
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
60 Month IRA Certificate	0.15%	0.15%	60 Month
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
60-Month Certificate	0.15%	0.15%	60-Month
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
12 Month IRA Certificate	0.10%	0.10%	12 Month
Min Balance $10,000 Details Balance: $10,000- $49,999.99 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
12-Month Certificate	0.10%	0.10%	12-Month
Min Balance $10,000 Details Balance: $10,000- $49,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
18-Month Certificate	0.10%	0.10%	18-Month
Min Balance $10,000 Details Balance: $10,000- $49,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
24 Month IRA Certificate	0.10%	0.10%	24 Month
Min Balance $10,000 Details Balance: $10,000- $49,999.99 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
24-Month Certificate	0.10%	0.10%	24-Month
Min Balance $10,000 Details Balance: $10,000- $49,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
36 Month IRA Certificate	0.10%	0.10%	36 Month
Min Balance $10,000 Details Balance: $10,000- $49,999.99 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
36-Month Certificate	0.10%	0.10%	36-Month
Min Balance $10,000 Details Balance: $10,000- $49,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
48 Month IRA Certificate	0.10%	0.10%	48 Month
Min Balance $10,000 Details Balance: $10,000- $49,999.99 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
48-Month Certificate	0.10%	0.10%	48-Month
Min Balance $10,000 Details Balance: $10,000- $49,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
6-Month Certificate	0.10%	0.10%	6-Month
Min Balance $10,000 Details Balance: $10,000.00 - $49,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
60 Month IRA Certificate	0.10%	0.10%	60 Month
Min Balance $10,000 Details Balance: $10,000- $49,999.99 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
60-Month Certificate	0.10%	0.10%	60-Month
Min Balance $10,000 Details Balance: $10,000- $49,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
12 Month IRA Certificate	0.05%	0.05%	12 Month
Min Balance $500 Details Balance: $500 - $9,999.99 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
12-Month Certificate	0.05%	0.05%	12-Month
Min Balance $500 Details Balance: $500.00 - $9,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
18-Month Certificate	0.05%	0.05%	18-Month
Min Balance $500 Details Balance: $500.00 - $9,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
24 Month IRA Certificate	0.05%	0.05%	24 Month
Min Balance $500 Details Balance: $500 - $9,999.99 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
24-Month Certificate	0.05%	0.05%	24-Month
Min Balance $500 Details Balance: $500.00 - $9,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
3-Month Certificate	0.05%	0.05%	3-Month
Min Balance $500 Details Balance: $500.00 - $9,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
3-Month Certificate	0.05%	0.05%	3-Month
Min Balance $10,000 Details Balance: $10,000.00 - $49,999.99 Last Updated 10/12/2026 Rate History 3 changes since Sep 14, 2026 · 0.10% → 0.05% ▼ 0.05 pts · high 0.10% / low 0.05% Oct 12, 20260.05%▼ from 0.10% Sep 25, 20260.10%▲ from 0.05% Sep 18, 20260.05%▼ from 0.10% Sep 14, 20260.10%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
3-Month Certificate	0.05%	0.05%	3-Month
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/12/2026 Rate History 3 changes since Sep 14, 2026 · 0.15% → 0.05% ▼ 0.10 pts · high 0.15% / low 0.05% Oct 12, 20260.05%▼ from 0.15% Sep 25, 20260.15%▲ from 0.05% Sep 18, 20260.05%▼ from 0.15% Sep 14, 20260.15%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
36 Month IRA Certificate	0.05%	0.05%	36 Month
Min Balance $500 Details Balance: $500 - $9,999.99 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
36-Month Certificate	0.05%	0.05%	36-Month
Min Balance $500 Details Balance: $500.00 - $9,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
48 Month IRA Certificate	0.05%	0.05%	48 Month
Min Balance $500 Details Balance: $500 - $9,999.99 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
48-Month Certificate	0.05%	0.05%	48-Month
Min Balance $500 Details Balance: $500.00 - $9,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
6-Month Certificate	0.05%	0.05%	6-Month
Min Balance $500 Details Balance: $500.00 - $9,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
60 Month IRA Certificate	0.05%	0.05%	60 Month
Min Balance $500 Details Balance: $500 - $9,999.99 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
60-Month Certificate	0.05%	0.05%	60-Month
Min Balance $500 Details Balance: $500.00 - $9,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%

Palisades Federal Credit Union Savings Rates

Product	Rate	APY
High-Yield Savings	2.23%	2.25%
Min Balance $150,000 Details Balance: $150,000+ Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 2.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
Youth Savings	1.49%	1.50%
Min Balance $0 Details Balance: $0 - $2,000.00 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
High-Yield Savings	1.00%	1.00%
Min Balance $10,000 Details Balance: $10,000+ Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
IRA Savings	0.14%	0.14%
Min Balance $25,000 Details Balance: $25,000 + Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.14% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
High-Yield Savings	0.04%	0.04%
Min Balance $0 Details Balance: $0 - $9,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.04% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
IRA Savings	0.04%	0.04%
Min Balance $0 Details Balance: $0 - $24,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.04% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
Savings	0.04%	0.04%
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.04% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
Special Savings	0.04%	0.04%
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.04% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
Youth Savings	0.04%	0.04%
Min Balance $2,000 Details Balance: $2,000+ Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.04% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%

Palisades Federal Credit Union Business Savings Rates

Product	Rate	APY
High-Yield Business Savings	2.23%	2.25%
Min Balance $15,000 Details Balance: $150,00+ Last Updated 10/12/2026 Rate History No change since Sep 18, 2026 · 2.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
High-Yield Business Savings	1.00%	1.00%
Min Balance $10,000 Details Balance: $10,000+ Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
Business Savings	0.04%	0.04%
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.04% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
High-Yield Business Savings	0.04%	0.04%
Min Balance $0 Details Balance: $0 - $9,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.04% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%

Palisades Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Fixed Home Equity Loan	5.99%	-	5.99%	Up to 60 months
Details Lien Position: 1st Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 5.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
Fixed Home Equity Loan	6.50%	-	6.50%	61 to 180 months
Details Lien Position: 1st Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 6.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
Fixed Home Equity Loan	6.75%	-	6.75%	Up to 180 months
Details Lien Position: 2nd Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 6.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
Home Equity Line of Credit	-	-	6.90%
Details Lien Position: 1st; Loan-to-Value (LTV): 1.00% - 70.00%; Rate: Prime - 0.10% Last Updated 10/12/2026 Rate History No change since Oct 2, 2026 · 6.90% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
Home Equity Line of Credit	-	-	8.00%
Details Lien Position: 2nd; Loan-to-Value (LTV): 70.01% - 80.00%; Rate: Prime + 1.00% Last Updated 10/12/2026 Rate History No change since Oct 2, 2026 · 8.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
Home Equity Line of Credit	-	-	8.50%
Details Lien Position: 1st; Loan-to-Value (LTV): 80.01% - 100.00%; Rate: Prime + 1.50% Last Updated 10/12/2026 Rate History No change since Oct 2, 2026 · 8.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%

Palisades Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR
New Auto	-	-	4.49%
Details As Low As; 2024 & newer Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 4.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
Used Auto	-	-	5.39%
Details As Low As; 2021-2023 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 5.39% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
Used Auto	-	-	7.39%
Details As Low As; 2020 & older Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 7.39% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%

Palisades Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR
New Motorcycle (2024 & newer) Loan	-	4.49%
Details As Low As Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 4.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
Used Motorcycle (2021-2023) Loan	-	5.39%
Details As Low As Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 5.39% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
Used Motorcycle (2020 & older) Loan	-	7.39%
Details As Low As Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 7.39% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
New Boat/RV (2024 & newer) Loan	-	9.49%
Details As Low As Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 9.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
Used Boat/RV (2021-2023) Loan	-	10.39%
Details As Low As Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 10.39% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
Used Boat/RV (2020 & older) Loan	-	12.39%
Details As Low As Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 12.39% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%

Palisades Federal Credit Union Credit Card Rates

Product	Rate	APR
Platinum Rewards MasterCard	-	15.99%
Details Published APR range: 15.99% - 17.99%. variable rate based on the Prime Rate Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 15.74% → 15.99% ▲ 0.25 pts · high 15.99% / low 15.74% Sep 25, 202615.99%▲ from 15.74% Sep 14, 202615.74%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
Platinum Rewards Mastercard	-	17.99%
Details Introductory Balance Transfer APR & Terms: 0% introductory APR for 15 months. After introductory period, standard balance transfer APR will apply. Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 17.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
Secured MasterCard	-	17.99%
Details Introductory Balance Transfer APR & Terms: 0% introductory APR for 15 months. After introductory period, standard balance transfer APR will apply. Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 17.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%

Palisades Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loan	10.99%
Details As Low As Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 7.24% → 10.99% ▲ 3.75 pts · high 10.99% / low 7.24% Oct 4, 202610.99%▲ from 7.24% Sep 14, 20267.24%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%

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

Palisades Federal Credit Union’s Texas Ratio rose from 4.13% in Q3 2023 to 7.31% 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	$212M	7.31%	5.0	A
March 31, 2026	$207M	6.88%	5.0	A
December 31, 2025	$205M	7.42%	5.0	A
September 30, 2025	$201M	7.94%	5.0	A
June 30, 2025	$204M	6.89%	5.0	A
March 31, 2025	$209M	5.85%	5.0	A+
December 31, 2024	$204M	6.11%	5.0	A
September 30, 2024	$201M	6.18%	5.0	A
June 30, 2024	$208M	4.97%	5.0	A+
March 31, 2024	$210M	4.56%	5.0	A+
December 31, 2023	$208M	4.77%	5.0	A+
September 30, 2023	$200M	4.13%	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 Palisades 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 Palisades 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 Palisades Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Palisades Federal Credit Union

Website https://www.palisadesfcu.org

Address 1 Blue Hill Plz, Pearl River, NY 10965-3104

Phone 845-602-4242

Fax 845-602-4444

President Pamela Wiss

CEO Anthony Kurdziel

Full-Time Employees 35

Part-Time Employees 2

Branch Locations 3

ATM Locations 4

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (96/100)

Texas Ratio

7.31%

Return on Assets (ROA)

0.0021%

Return on Equity (ROE)

0.0228%

Non-Performing Loans Ratio (NPL)

0.93%

Total Assets

212,221,897

Total Amount of Shares and Deposits

181,071,124

Total Shares and Deposits < 1 Year

170,170,006

Total Shares and Deposits 1 3 Years

10,167,429

Total Shares and Deposits > 3 Years

733,689

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

17,004,362

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

17,004,362

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

164,066,762

Total Interest Expense (Sum of items 6 8)

1,334,240

Share Certificates

1,166

Number of Accounts for Share Drafts

5,388

IRA KEOGH Accounts

257

Number of Accounts for Regular Shares

12,361

All other shares

Non Member Deposits

Money Market Shares

133

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)

10,346,163

Total Liabilities

196,978,487

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Palisades 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.

<a href="https://monitorbankrates.com/credit-unions/palisades-federal-credit-union-rates-review-4480">
  <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.

Customer Reviews

There are no reviews for Palisades Federal Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Palisades Federal Credit Union

Frequently Asked Questions About Palisades Federal Credit Union

How many branches does Palisades Federal Credit Union operate?

Palisades 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 Palisades Federal Credit Union?

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

Does Palisades Federal Credit Union offer online and mobile banking?

Most modern institutions like Palisades 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.palisadesfcu.org.

Current Palisades Federal Credit Union Rates

12-Month CD0.05%
18-Month CD0.05%
24-Month CD0.05%
60-Month CD0.05%
Savings2.25%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Palisades Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Palisades Federal Credit Union Texas Ratio

Palisades Federal Credit Union Health Trend

Palisades Federal Credit Union CD Rates

Palisades Federal Credit Union Savings Rates

Palisades Federal Credit Union Business Savings Rates

Palisades Federal Credit Union Home Equity & HELOC

Palisades Federal Credit Union Auto Loan Rates

Palisades Federal Credit Union RV, Boat and Powersport Loan Rates

Palisades Federal Credit Union Credit Card Rates

Palisades Federal Credit Union Personal Loan Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Palisades Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Palisades Federal Credit Union

How many branches does Palisades Federal Credit Union operate?

Is a member application needed to join Palisades Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Palisades Federal Credit Union offer online and mobile banking?

Current Palisades Federal Credit Union Rates

Compare to Other Credit Unions