Quick Poll
The Fed raised rates 0.25% on Sept. 16. Will you move money into a higher-yield account?
|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Penn State Federal Credit Union Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: September 21, 2026
Penn State Federal Credit Union's 12 Month CD rates are at 3.75%, Business 12 Month CD rates are at 3.75%, 18 Month CD rates are at 3.65%, Business 18 Month CD rates are at 3.65%, 24 Month CD rates are at 3.60%. Penn State Federal Credit Union's savings rates are at 0.35%. Penn State Federal Credit Union's money market rates are at 0.35%. Penn State Federal Credit Union's Auto Loan Rates are as low as 4.50%. Penn State Federal Credit Union's Credit Card Rates are at 8.90%. MonitorBankRates evaluates the financial stability of Penn State Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.83%. Rates last updated and verified on 09/21/2026. Penn State 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 Penn State Federal Credit Union? Share your experience about Penn State Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Penn State Federal Credit Union. Penn State Federal Credit Union
Penn State Federal Credit Union 123 Amberleigh Ln
https://pennstatefederal.com Bellefonte, PA 16823 
Penn State Federal Credit Union CD Rates
Penn State Federal Credit Union Savings Rates
Penn State Federal Credit Union Money Market Rates
Penn State Federal Credit Union Checking Rates
Penn State Federal Credit Union Home Equity & HELOC
Penn State Federal Credit Union Auto Loan Rates
Penn State Federal Credit Union RV, Boat and Powersport Loan Rates
Penn State Federal Credit Union Credit Card Rates
Penn State Federal Credit Union Other Rates
Financial Health HistoryPenn State Federal Credit Union’s Texas Ratio fell from 2.54% in Q2 2023 to 0.83% 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
Powered by
MonitorBankRates
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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Penn State 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 Penn State 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 Penn State Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Penn State Federal Credit Union
Website
https://pennstatefederal.com
Address
123 Amberleigh Ln,
Bellefonte, PA 16823
Phone
814-355-2711
Fax
814-863-6183
President
Bobby White
CEO
Frederick Tabor
Full-Time Employees
42
Part-Time Employees
0
Branch Locations
2
ATM Locations
2
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.83%
Return on Assets (ROA)
0.4567%
Return on Equity (ROE)
3.4148%
Non-Performing Loans Ratio (NPL)
0.22%
Total Assets
270,247,107
Total Amount of Shares and Deposits
235,409,402
Total Shares and Deposits < 1 Year
233,979,144
Total Shares and Deposits 1 3 Years
910,614
Total Shares and Deposits > 3 Years
519,644
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
8,866,242
Total Uninsured Shares and Deposits > $250K (F+J)
8,866,242
Total Insured Shares and Deposits > $250K (item 17 less item K)
226,543,160
Total Interest Expense (Sum of items 6 8)
454,129
Share Certificates
1,512
Number of Accounts for Share Drafts
10,038
IRA KEOGH Accounts
325
Number of Accounts for Regular Shares
18,258
Money Market Shares
418
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)
37,424,616
Total Liabilities
238,141,298
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for Penn State 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.
Add Your Rating and Review for Penn State Federal Credit Union
Frequently Asked Questions About Penn State Federal Credit UnionHow many branches does Penn State Federal Credit Union operate?Penn State 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 Penn State Federal Credit Union?Yes, to access services at Penn State 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, Penn State 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, Penn State Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Penn State Federal Credit Union offer online and mobile banking?Most modern institutions like Penn State 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://pennstatefederal.com. Current Penn State Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Credit Unions
Bay Shore Credit Union
MAMTA Federal Credit Union
Mountain Credit Union
ANECA Federal Credit Union
Deepwater Industries Federal Credit Union
Central Credit Union of Florida
Numerica Credit Union
Methodist Hospital Employees Federal Credit Union
YTR Community Federal Credit Union
WESTconsin Credit Union
Pace Federal Credit Union
American Eagle Financial Credit Union
AlaTrust Credit Union
TruEnergy Federal Credit Union
Baptist Credit Union
Sebasticook Valley Federal Credit Union
Upper Cumberland Federal Credit Union
ADVANTAGE FINANCIAL
Certified Federal Credit Union
Nizari Progressive Federal Credit Union
New Castle County Delaware Employees Federal Credit Union
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Rate Assistant
MonitorBankRates.com · Live Data
Try asking