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PATTERSON Rates & Review April 2026

Q: Is PATTERSON a safe place to deposit money?

Yes, PATTERSON is considered a safe financial institution. With a Texas Ratio of 0.85252261881315%, 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.

Q: How many branches does PATTERSON operate?

PATTERSON 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 PATTERSON?

Yes, to access services at PATTERSON, 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, PATTERSON 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, PATTERSON 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: April 20, 2026

You can compare PATTERSON rates to other rates in our database, including 12-month share certificate rates currently at 1.50%, 6-month share certificate rates at 3.40% and 3-month share certificate rates at 0.25%. Savings rates are at 1.01% and money market rates are at 1.06%. Mortgage rates on 30-year fixed loans are around 5.78%. All these rates can be compared to PATTERSON rates. MonitorBankRates evaluates the financial stability of PATTERSON with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.85%. Rates were last updated on 04/20/2026.

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

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.85%

Excellent Lower than avg

Hill Bank & Trust Co.
Main Office

124 WP Malone Dr
Arkadelphia, AR 71923

http://www.pfcuonline.org

Current Rate Availability

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

Credit Union Profile & Overview

Credit Union Name PATTERSON

Website http://www.pfcuonline.org

Address 124 WP Malone Dr, Arkadelphia, AR 71923

Phone 870-246-8005

Fax 870-246-8006

President Troy Tucker

CEO Shawn Cowart

Full-Time Employees 7

Part-Time Employees 0

Branch Locations 1

ATM Locations 1

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

0.85%

Return on Assets (ROA)

1.8774%

Return on Equity (ROE)

11.0728%

Non-Performing Loans Ratio (NPL)

0.21%

Total Assets

35,785,049

Total Amount of Shares and Deposits

29,525,848

Total Shares and Deposits < 1 Year

29,005,804

Total Shares and Deposits 1 3 Years

366,729

Total Shares and Deposits > 3 Years

153,315

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

131,095

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

131,095

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

29,394,753

Total Interest Expense (Sum of items 6 8)

223,677

Share Certificates

171

Number of Accounts for Share Drafts

2,469

IRA KEOGH Accounts

Number of Accounts for Regular Shares

4,182

Money Market Shares

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

1,360,442

Total Liabilities

29,729,135

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Average Rating

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Total Reviews

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Frequently Asked Questions About PATTERSON

Is PATTERSON a safe place to deposit money?

Yes, PATTERSON is considered a safe financial institution. With a Texas Ratio of 0.85252261881315%, 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 PATTERSON operate?

PATTERSON 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 PATTERSON?

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

Does PATTERSON offer online and mobile banking?

Most modern institutions like PATTERSON 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.pfcuonline.org.