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Pantex Federal Credit Union

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Pantex Federal Credit Union Rates & Review September 2026

Q: Is a member application needed to join Pantex Federal Credit Union?

Yes, to access services at Pantex 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Pantex 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 23, 2026

Pantex Federal Credit Union's Personal Loan Rates are as low as 9.99%. Pantex Federal Credit Union's Credit Card Rates are at 11.00%. MonitorBankRates evaluates the financial stability of Pantex Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.02%. Rates last updated and verified on 09/23/2026.

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

1.02%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Pantex Federal Credit Union
Main Office

1300 W Wilson St
Borger, TX 79007

https://www.pantexfcu.com

Pantex Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loans	5.60%	-	5.60%	Up to 60 Months
Details Loan amounts to $25,000 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%
Home Equity Loans	5.85%	-	5.85%	61 to 84 Months
Details Loan amounts to $25,000 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%
Home Equity Loans	6.45%	-	6.45%	85 to 120 Months
Details Loan amounts to $25,000 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%
Home Equity Loans	-	-	6.60%	85 to 120 Months
Details Rates as low as:(APR) Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%
Home Equity Loans	6.85%	-	6.85%	121 to 180 Months
Details Loan amount over $25,000 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%

Pantex Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Cars, Boats Loan	-	-	5.00%	49 to 60 Months
Details Financing Amount: 120% of Sticker Price (MSRP) Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%
New Vehicles Loan	-	-	5.00%	48 Months or Less
Details Financing Amount: 120% of Sticker Price (MSRP) Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%
New Vehicles Loan	-	-	5.00%	61 to 72 Months
Details Financing Amount: 120% of Sticker Price (MSRP) Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%
Used Vehicle Loan	-	-	5.00%	48 Months or Less
Details Financing Amount: 120% of NADA Clean Retail Value Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%
Used Vehicle Loan	-	-	5.00%	49 to 60 Months
Details Includes Cars, Boats; Financing Amount: 120% of NADA Clean Retail Value Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%
Used Vehicle Loan	-	-	5.00%	61 to 72 Months
Details Financing Amount: 120% of NADA Clean Retail Value Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%
New Rec. Sports Vehicle	5.85%	-	5.85%	Up to 48 Months
Details 120% of Sticker (MSRP) Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%
Used Rec. Sports Vehicle	5.90%	-	5.90%	Up to 48 Months
Details 120% of Retail Value (NADA) Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%
New Vehicles Loan	-	-	6.00%	73 to 84 Months
Details Financing Amount: 120% of Sticker Price (MSRP) Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%
New Rec. Sports Vehicle	6.10%	-	6.10%	49 to 60 Months
Details Over 15,000 and up to 120% of Sticker Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%
Used Rec. Sports Vehicle	6.15%	-	6.15%	49 to 60 Months
Details Over 15,000 and up to 120% of Retail Value Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%
Used Vehicles 10 Years or Older Loan	-	-	6.60%	48 Months or less
Details Financing Amount: 100% of NADA Clean Trade Value Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%

Pantex Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
RV's Loan	-	6.85%	61 to 72 Months
Details Financing Amount: RV's Only Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%
Used RVs Loan	-	7.10%	61 to 72 Months
Details Financing Amount: RVs Only Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%
RV's Loan	-	7.35%	73 to 84 Months
Details Financing Amount: RV's Only Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%
Used RVs Loan	-	7.35%	73 to 84 Months
Details Financing Amount: RVs Only Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%
RV's Loan	-	7.60%	85 to 96 Months
Details Financing Amount: RV's Only Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%
Used RVs Loan	-	7.85%	85 to 96 Months
Details Financing Amount: RVs Only Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%
RV's Loan	-	8.10%	97 to 120 Months
Details Financing Amount: RV's Only Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%
Used RVs 10 Years or Older Loan	-	8.35%	48 Months or less
Details Financing Amount: 100% of NADA Clean Trade Value Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%

Pantex Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
Pantex MasterCard	11.00%	11.00%
Details Up to $5,000 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%

Pantex Federal Credit Union Personal Loan Rates

Product	APR	Term
Signature Loan	9.99%	Up to 12 Months
Details Up to $2,000 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%
Signature Loan	9.99%	Up to 36 Months
Details Up to $5,000 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%

Pantex Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Home Equity Loans	-	-	6.45%	85 to 120 Months
Details Rates as low as:(APR) Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%
Home Equity Loans	-	-	6.85%	121 to 180 Months
Details Rates as low as:(APR) Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%
Pantex Plus Loan	9.99%	-	9.99%	Revolving
Details Up to $5,000 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%
Pantex Plus Loan	-	-	9.99%	Revolving
Details Financing Amount: Up to $5,000 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%
Signature Loan	-	-	9.99%	Up to 12 Months
Details Financing Amount: Up to $2,000 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%
Signature Loan	-	-	9.99%	Up to 36 Months
Details Financing Amount: Up to $5,000 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%

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

Pantex Federal Credit Union’s Texas Ratio stayed near 0.83% in Q2 2023 to 1.02% in Q1 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
March 31, 2026	$239M	1.02%	5.0	A+
December 31, 2025	$236M	0.93%	5.0	A+
September 30, 2025	$238M	1.03%	5.0	A+
June 30, 2025	$236M	0.90%	5.0	A+
March 31, 2025	$238M	0.84%	5.0	A+
December 31, 2024	$230M	1.20%	5.0	A+
September 30, 2024	$232M	1.05%	5.0	A+
June 30, 2024	$235M	0.86%	5.0	A+
March 31, 2024	$235M	0.71%	5.0	A+
December 31, 2023	$225M	0.60%	5.0	A+
September 30, 2023	$223M	0.98%	5.0	A+
June 30, 2023	$221M	0.83%	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 Pantex 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 Pantex 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 Pantex Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Pantex Federal Credit Union

Website https://www.pantexfcu.com

Address 1300 W Wilson St, Borger, TX 79007

Phone 806-273-5692

Fax 806-273-5341

President Harvey Hilbert

CEO Curtis Hall

Full-Time Employees 40

Part-Time Employees 1

Branch Locations 4

ATM Locations 3

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

1.02%

Return on Assets (ROA)

0.3937%

Return on Equity (ROE)

1.8435%

Non-Performing Loans Ratio (NPL)

0.81%

Total Assets

239,198,918

Total Amount of Shares and Deposits

188,624,064

Total Shares and Deposits < 1 Year

183,940,706

Total Shares and Deposits 1 3 Years

4,683,358

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

14,322,267

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

14,322,267

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

174,301,797

Total Interest Expense (Sum of items 6 8)

581,973

Share Certificates

777

Number of Accounts for Share Drafts

9,786

IRA KEOGH Accounts

187

Number of Accounts for Regular Shares

14,640

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)

10,750,839

Total Liabilities

191,235,987

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Pantex 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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Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Pantex Federal Credit Union

Frequently Asked Questions About Pantex Federal Credit Union

How many branches does Pantex Federal Credit Union operate?

Pantex 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 Pantex Federal Credit Union?

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

Does Pantex Federal Credit Union offer online and mobile banking?

Most modern institutions like Pantex 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.pantexfcu.com.