What are the current interest rates at PennTech Employees Federal Credit Union?

Current rates for PennTech Employees Federal Credit Union include: 12-Month CD: 3.65%, 18-Month CD: 3.50%, 24-Month CD: 3.25%

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PennTech Employees Federal Credit Union

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PennTech Employees Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, PennTech Employees 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 9, 2026

PennTech Employees Federal Credit Union's top rates as of October 9, 2026 are 4.00% APY on its CDs (CD's) - 9-MONTH, and personal loans from 12.50% APR, according to rates verified by MonitorBankRates. Other PennTech Employees Federal Credit Union CD rates include CDs (CD's) - 6-MONTH at 3.75%, CDs (CD's) - 12-MONTH at 3.65%, and CDs (CD's) - 18-MONTH at 3.50%. MonitorBankRates evaluates the financial stability of PennTech Employees Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 9.14%. Rates last updated and verified on 10/09/2026.

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

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

Overall Health & Safety Grade

Excellent Health Score: 95/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

9.14%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

PennTech Employees Federal Credit Union
Main Office

409 Center St Ste C
Johnsonburg, PA 15845-1307

https://penntechfcu.com

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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.

PennTech Employees Federal Credit Union CD Rates

Product	Rate	APY	Term
Share Certificates (CD's) - 9-MONTH	-	4.00%	9-MONTH
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.14%
Share Certificates (CD's) - 6-MONTH	-	3.75%	6-MONTH
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 3.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.14%
Share Certificates (CD's) - 12-MONTH	-	3.65%	12-MONTH
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 3.65% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.14%
Share Certificates (CD's) - 18-MONTH	-	3.50%	18-MONTH
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 3.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.14%
Share Certificates (CD's) - 24-MONTH	-	3.25%	24-MONTH
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.14%

PennTech Employees Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New or Used Vehicles Loan	-	-	4.15%	3 YEAR REPAY
Details As Low As; 2025 to 2026 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 4.15% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.14%
New or Used Vehicles Loan	-	-	4.25%	4 YEAR REPAY
Details As Low As; 2025 to 2026 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 4.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.14%
New or Used Vehicles Loan	-	-	4.75%	5 YEAR REPAY
Details As Low As; 2025 to 2026 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 4.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.14%
New or Used Vehicles Loan	-	-	5.25%	6 YEAR REPAY
Details As Low As; 2025 to 2026 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 5.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.14%
Used Vehicles Loan	-	-	5.35%	6 YEAR REPAY
Details 2018-2024 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 5.35% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.14%
New or Used Vehicles Loan	-	-	5.75%	7 YEAR REPAY
Details As Low As; 2025 to 2026 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 5.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.14%
Used Vehicles Loan	-	-	6.00%	5 YEAR REPAY
Details 2014-2017 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 6.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.14%
Used Vehicles Loan	-	-	10.00%	4 YEAR REPAY
Details 2013 & Below Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 10.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.14%

PennTech Employees Federal Credit Union Personal Loan Rates

Product	APR	Term
Personal Loans	12.50%	UP TO 5 years REPAY
Details Up to $12,000 MAX - New Loans Only Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 12.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.14%
Personal Loans	12.75%
Details Refinanced Loans Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 12.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.14%

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

PennTech Employees Federal Credit Union’s Texas Ratio rose from 2.03% in Q3 2023 to 9.14% 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	$14M	9.14%	5.0	A
March 31, 2026	$13M	2.28%	5.0	A+
December 31, 2025	$13M	8.69%	5.0	A
September 30, 2025	$12M	6.77%	5.0	A
June 30, 2025	$12M	7.87%	5.0	A
March 31, 2025	$12M	5.10%	5.0	A+
December 31, 2024	$12M	7.89%	5.0	A
September 30, 2024	$12M	6.92%	5.0	A
June 30, 2024	$11M	8.27%	5.0	A
March 31, 2024	$11M	2.65%	5.0	A+
December 31, 2023	$11M	2.17%	5.0	A+
September 30, 2023	$11M	2.03%	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 PennTech Employees 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 PennTech Employees 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 PennTech Employees Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name PennTech Employees Federal Credit Union

Website https://penntechfcu.com

Address 409 Center St Ste C, Johnsonburg, PA 15845-1307

Phone 814-965-4311

Fax 814-965-4623

President Robert Paladino

CEO Julie Ribovic

Full-Time Employees 4

Part-Time Employees 0

Branch Locations 1

ATM Locations 0

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (95/100)

Texas Ratio

9.14%

Return on Assets (ROA)

0.1396%

Return on Equity (ROE)

1.3553%

Non-Performing Loans Ratio (NPL)

2.90%

Total Assets

13,887,844

Total Amount of Shares and Deposits

12,366,570

Total Shares and Deposits < 1 Year

12,303,633

Total Shares and Deposits 1 3 Years

62,938

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

5,842

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

5,842

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

12,360,728

Total Interest Expense (Sum of items 6 8)

100,482

Share Certificates

219

Number of Accounts for Share Drafts

159

Number of Accounts for Regular Shares

1,369

Net Income (unless the amount is already included in Undivided Earnings)

2,768

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)

903,231

Total Liabilities

12,457,322

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

PennTech Employees 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.

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Frequently Asked Questions About PennTech Employees Federal Credit Union

How many branches does PennTech Employees Federal Credit Union operate?

PennTech Employees 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 PennTech Employees Federal Credit Union?

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

Does PennTech Employees Federal Credit Union offer online and mobile banking?

Most modern institutions like PennTech Employees 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://penntechfcu.com.