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

Current rates for Panhandle Federal Credit Union include: 12-Month CD: 2.02%, 18-Month CD: 2.52%, 24-Month CD: 2.98%, 60-Month CD: 3.39%

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Panhandle Federal Credit Union

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Panhandle Federal Credit Union Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Panhandle 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: September 21, 2026

Panhandle Federal Credit Union's 60 Month CD rates are at 3.55%, 60 Month IRA CD rates are at 3.55%, 60 Month CD rates are at 3.44%, 60 Month IRA CD rates are at 3.44%, 48 Month CD rates are at 3.39%. MonitorBankRates evaluates the financial stability of Panhandle Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.12%. Rates last updated and verified on 09/21/2026.

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

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.12%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Panhandle Federal Credit Union
Panhandle Federal Credit Union - WNH Branch

1300 E 5th Ave
Winfield, KS 67156-2407

https://www.panhandlefcu.com

Panhandle Federal Credit Union CD Rates

Product	Rate	APY	Term
60 Month CD	-	3.55%	60 Month
Min Deposit $75,000 Details Balance: > $75,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
60 Month IRA CD	-	3.55%	60 Month
Min Balance $75,001 Details Balance: > $75,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
60 Month CD	-	3.44%	60 Month
Min Deposit $25,000 Details Balance: $25,000 - $75,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
60 Month IRA CD	-	3.44%	60 Month
Min Balance $25,001 Details Balance: $25,001 - $75,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
48 Month CD	-	3.39%	48 Month
Min Deposit $75,000 Details Balance: > $75,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
48 Month IRA CD	-	3.39%	48 Month
Min Balance $75,001 Details Balance: > $75,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
60 Month CD	-	3.39%	60 Month
Min Deposit $250 Details Balance: $250 - $25,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
60 Month IRA CD	-	3.39%	60 Month
Min Balance $250 Details Balance: $250 - $25,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
36 Month CD	-	3.34%	36 Month
Min Deposit $75,000 Details Balance: > $75,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
36 Month IRA CD	-	3.34%	36 Month
Min Balance $75,001 Details Balance: > $75,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
48 Month CD	-	3.33%	48 Month
Min Deposit $25,000 Details Balance: $25,000 - $75,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
48 Month IRA CD	-	3.33%	48 Month
Min Balance $25,001 Details Balance: $25,001 - $75,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
24 Month CD	-	3.29%	24 Month
Min Deposit $75,000 Details Balance: > $75,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
24 Month IRA CD	-	3.29%	24 Month
Min Balance $75,001 Details Balance: > $75,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
48 Month CD	-	3.23%	48 Month
Min Deposit $250 Details Balance: $250 - $25,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
48 Month IRA CD	-	3.23%	48 Month
Min Balance $250 Details Balance: $250 - $25,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
36 Month CD	-	3.19%	36 Month
Min Deposit $25,000 Details Balance: $25,000 - $75,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
36 Month IRA CD	-	3.19%	36 Month
Min Balance $25,001 Details Balance: $25,001 - $75,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
36 Month IRA CD	-	3.14%	36 Month
Min Balance $250 Details Balance: $250 - $25,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
24 Month CD	-	3.09%	24 Month
Min Deposit $25,000 Details Balance: $25,000 - $75,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
24 Month IRA CD	-	3.09%	24 Month
Min Balance $25,001 Details Balance: $25,001 - $75,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
36 Month CD	-	3.09%	36 Month
Min Deposit $250 Details Balance: $250 - $25,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
24 Month CD	-	2.98%	24 Month
Min Deposit $250 Details Balance: $250 - $25,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
24 Month IRA CD	-	2.98%	24 Month
Min Balance $250 Details Balance: $250 - $25,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
18 Month CD	-	2.78%	18 Month
Min Deposit $75,000 Details Balance: > $75,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
18 Month IRA CD	-	2.78%	18 Month
Min Balance $75,001 Details Balance: > $75,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
18 Month IRA CD	-	2.63%	18 Month
Min Balance $25,001 Details Balance: $25,001 - $75,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
18 Month CD	-	2.52%	18 Month
Min Deposit $250 Details Balance: $250 - $25,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
18 Month CD	-	2.52%	18 Month
Min Deposit $25,000 Details Balance: $25,000 - $75,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
18 Month IRA CD	-	2.52%	18 Month
Min Balance $250 Details Balance: $250 - $25,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
12 Month CD	-	2.42%	12 Month
Min Deposit $75,000 Details Balance: > $75,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
12 Month IRA CD	-	2.42%	12 Month
Min Balance $75,001 Details Balance: > $75,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
12 Month CD	-	2.22%	12 Month
Min Deposit $25,000 Details Balance: $25,000 - $75,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
12 Month IRA CD	-	2.22%	12 Month
Min Balance $25,001 Details Balance: $25,001 - $75,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
180 Day CD	-	2.12%	180 Day
Min Deposit $75,000 Details Balance: > $75,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
12 Month CD	-	2.02%	12 Month
Min Deposit $250 Details Balance: $250 - $25,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
12 Month IRA CD	-	2.02%	12 Month
Min Balance $250 Details Balance: $250 - $25,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
180 Day CD	-	1.81%	180 Day
Min Deposit $25,000 Details Balance: $25,000 - $75,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
90 Day CD	-	1.81%	90 Day
Min Deposit $75,000 Details Balance: > $75,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
180 Day CD	-	1.61%	180 Day
Min Deposit $250 Details Balance: $250 - $25,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
90 Day CD	-	1.51%	90 Day
Min Deposit $25,000 Details Balance: $25,000 - $75,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
90 Day CD	-	1.31%	90 Day
Min Deposit $250 Details Balance: $250 - $25,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%

Panhandle Federal Credit Union Other Rates

Product	Rate	Points	APY/APR
Regular Share Draft	0.05%	-	0.05%
Min Deposit $50 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
Regular Shares	0.30%	-	0.30%
Min Deposit $105 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
Super Share Draft	0.40%	-	0.40%
Min Balance $2,500 Details Balance: $2,500.00 - $10,000.00 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
Super Share Draft	0.45%	-	0.45%
Min Balance $10,001 Details Balance: $10,001.00 - $25,000.00 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
Super Share Draft	0.50%	-	0.50%
Min Balance $25,001 Details Balance: $25,001.00 - $50,000.00 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
Super Share Draft	0.60%	-	0.60%
Min Balance $50,000 Details Balance: >$50,000.00 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%

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

Panhandle Federal Credit Union’s Texas Ratio fell from 2.97% in Q2 2023 to 1.12% in Q1 2026, so its financial health has improved and is now 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
March 31, 2026	$63M	1.12%	5.0	A+
December 31, 2025	$61M	2.20%	5.0	A+
September 30, 2025	$62M	0.78%	5.0	A+
June 30, 2025	$62M	0.83%	5.0	A+
March 31, 2025	$63M	1.56%	5.0	A+
December 31, 2024	$63M	0.73%	5.0	A+
September 30, 2024	$63M	0.76%	5.0	A+
June 30, 2024	$63M	0.77%	5.0	A+
March 31, 2024	$65M	0.75%	5.0	A+
December 31, 2023	$60M	0.79%	5.0	A+
September 30, 2023	$61M	2.27%	5.0	A+
June 30, 2023	$61M	2.97%	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 Panhandle 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 Panhandle 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 Panhandle Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Panhandle Federal Credit Union

Website https://www.panhandlefcu.com

Address 1300 E 5th Ave, Winfield, KS 67156-2407

Phone 620-326-2285

Fax 620-326-3156

President Steve Meeker

CEO Danny Crittenden

Full-Time Employees 18

Part-Time Employees 0

Branch Locations 3

ATM Locations 2

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.12%

Return on Assets (ROA)

-0.0571%

Return on Equity (ROE)

-0.3472%

Non-Performing Loans Ratio (NPL)

0.35%

Total Assets

62,950,513

Total Amount of Shares and Deposits

53,478,165

Total Shares and Deposits < 1 Year

51,049,678

Total Shares and Deposits 1 3 Years

2,103,450

Total Shares and Deposits > 3 Years

325,036

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

3,695,732

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

3,695,732

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

49,782,433

Total Interest Expense (Sum of items 6 8)

124,223

Share Certificates

276

Number of Accounts for Share Drafts

2,498

IRA KEOGH Accounts

164

Number of Accounts for Regular Shares

3,905

All other shares

456

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)

3,221,124

Total Liabilities

52,603,235

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Panhandle Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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

Customer Reviews

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Frequently Asked Questions About Panhandle Federal Credit Union

How many branches does Panhandle Federal Credit Union operate?

Panhandle 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 Panhandle Federal Credit Union?

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

Does Panhandle Federal Credit Union offer online and mobile banking?

Most modern institutions like Panhandle 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.panhandlefcu.com.