What are the current interest rates at Peoples Alliance Federal Credit Union?

Current rates for Peoples Alliance Federal Credit Union include: 12-Month CD: 1.85%, 18-Month CD: 3.14%, 24-Month CD: 2.24%, 60-Month CD: 2.87%, Savings: 4.50%, MMA: 0.70%

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Peoples Alliance Federal Credit Union

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Peoples Alliance Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Peoples Alliance 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 12, 2026

Peoples Alliance Federal Credit Union's top rates as of October 12, 2026 are 4.05% APY on its 10 Month CD Special, 4.50% APY on savings, 0.70% APY on money market accounts, 0.05% APY on checking, 6.00% on its 15 Year Fixed Mortgage, and personal loans from 9.74% APR, according to rates verified by MonitorBankRates. Other Peoples Alliance Federal Credit Union CD rates include 8 Month CD Special at 3.97%, 6 Month CD at 3.76%, and 11 Month CD Special at 3.56%. Other Peoples Alliance Federal Credit Union mortgage rates include 10 Year Fixed Mortgage at 6.12%, 30 Year Fixed Mortgage at 6.38%, and 20 Year Fixed Mortgage at 6.38%. MonitorBankRates evaluates the financial stability of Peoples Alliance Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.34%. Rates last updated and verified on 10/12/2026.

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

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

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.34%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Peoples Alliance Federal Credit Union
Main Office

125 Wireless Blvd
Hauppauge, NY 11788-3971

https://www.pafcu.org

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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.

Peoples Alliance Federal Credit Union CD Rates

Product	Rate	APY	Term
10 Month Certificate Special	3.98%	4.05%	10 Month
Details New money is defined as money not currently on deposit with People's Alliance Federal Credit Union (PAFCU) and not held by PAFCU within the past 12 months. PAFCU determines whether funds qualify as new money at its sole discretion. Early withdrawal penalties may apply and could reduce earnings. Fees may reduce earnings. Limited-time offer. Membership eligibility required. Other terms and restrictions may apply. See a PAFCU representative for complete details. Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 4.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.34%
8 Month Certificate Special	3.90%	3.97%	8 Month
Details New money is defined as money not currently on deposit with People's Alliance Federal Credit Union (PAFCU) and not held by PAFCU within the past 12 months. PAFCU determines whether funds qualify as new money at its sole discretion. Early withdrawal penalties may apply and could reduce earnings. Fees may reduce earnings. Limited-time offer. Membership eligibility required. Other terms and restrictions may apply. See a PAFCU representative for complete details. Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.97% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.34%
6 Month Certificate	3.70%	3.76%	6 Months
Min Deposit $1,000 Details New money is defined as money not currently on deposit with People's Alliance Federal Credit Union (PAFCU) and not held by PAFCU within the past 12 months. PAFCU determines whether funds qualify as new money at its sole discretion. Early withdrawal penalties may apply and could reduce earnings. Fees may reduce earnings. Limited-time offer. Membership eligibility required. Other terms and restrictions may apply. See a PAFCU representative for complete details. Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.76% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.34%
11 Month Certificate Special	3.50%	3.56%	11 Month
Details New money is defined as money not currently on deposit with People's Alliance Federal Credit Union (PAFCU) and not held by PAFCU within the past 12 months. PAFCU determines whether funds qualify as new money at its sole discretion. Early withdrawal penalties may apply and could reduce earnings. Fees may reduce earnings. Limited-time offer. Membership eligibility required. Other terms and restrictions may apply. See a PAFCU representative for complete details. Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.56% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.34%
18 Month Bump Up	3.10%	3.14%	18 Month
Details New money is defined as money not currently on deposit with People's Alliance Federal Credit Union (PAFCU) and not held by PAFCU within the past 12 months. PAFCU determines whether funds qualify as new money at its sole discretion. Early withdrawal penalties may apply and could reduce earnings. Fees may reduce earnings. Limited-time offer. Membership eligibility required. Other terms and restrictions may apply. See a PAFCU representative for complete details. Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.14% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.34%
5 Year Certificate	2.83%	2.87%	5 Year
Min Deposit $1,000 Details New money is defined as money not currently on deposit with People's Alliance Federal Credit Union (PAFCU) and not held by PAFCU within the past 12 months. PAFCU determines whether funds qualify as new money at its sole discretion. Early withdrawal penalties may apply and could reduce earnings. Fees may reduce earnings. Limited-time offer. Membership eligibility required. Other terms and restrictions may apply. See a PAFCU representative for complete details. Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 2.87% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.34%
2 Year Certificate	2.22%	2.24%	2 Year
Min Deposit $1,000 Details New money is defined as money not currently on deposit with People's Alliance Federal Credit Union (PAFCU) and not held by PAFCU within the past 12 months. PAFCU determines whether funds qualify as new money at its sole discretion. Early withdrawal penalties may apply and could reduce earnings. Fees may reduce earnings. Limited-time offer. Membership eligibility required. Other terms and restrictions may apply. See a PAFCU representative for complete details. Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 2.53% → 2.24% ▼ 0.29 pts · high 2.53% / low 2.24% Oct 12, 20262.24%▼ from 2.53% Sep 14, 20262.53%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.34%
3 Year Certificate	2.22%	2.24%	3 Year
Min Deposit $1,000 Details New money is defined as money not currently on deposit with People's Alliance Federal Credit Union (PAFCU) and not held by PAFCU within the past 12 months. PAFCU determines whether funds qualify as new money at its sole discretion. Early withdrawal penalties may apply and could reduce earnings. Fees may reduce earnings. Limited-time offer. Membership eligibility required. Other terms and restrictions may apply. See a PAFCU representative for complete details. Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 2.24% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.34%
4 Year Certificate	2.22%	2.24%	4 Year
Min Deposit $1,000 Details New money is defined as money not currently on deposit with People's Alliance Federal Credit Union (PAFCU) and not held by PAFCU within the past 12 months. PAFCU determines whether funds qualify as new money at its sole discretion. Early withdrawal penalties may apply and could reduce earnings. Fees may reduce earnings. Limited-time offer. Membership eligibility required. Other terms and restrictions may apply. See a PAFCU representative for complete details. Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 2.24% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.34%
12 Month Young Adult Building	2.08%	2.10%	12 Month
Min Deposit $1,000 Details New money is defined as money not currently on deposit with People's Alliance Federal Credit Union (PAFCU) and not held by PAFCU within the past 12 months. PAFCU determines whether funds qualify as new money at its sole discretion. Early withdrawal penalties may apply and could reduce earnings. Fees may reduce earnings. Limited-time offer. Membership eligibility required. Other terms and restrictions may apply. See a PAFCU representative for complete details. Last Updated 10/12/2026 Rate History 2 changes since Sep 14, 2026 · 2.10% → 2.10% ▼ 0.00 pts · high 2.24% / low 2.10% Oct 12, 20262.10%▼ from 2.24% Oct 4, 20262.24%▲ from 2.10% Sep 14, 20262.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.34%
12 Month Youth	2.08%	2.10%	12 Month
Min Deposit $1,000 Details New money is defined as money not currently on deposit with People's Alliance Federal Credit Union (PAFCU) and not held by PAFCU within the past 12 months. PAFCU determines whether funds qualify as new money at its sole discretion. Early withdrawal penalties may apply and could reduce earnings. Fees may reduce earnings. Limited-time offer. Membership eligibility required. Other terms and restrictions may apply. See a PAFCU representative for complete details. Last Updated 10/12/2026 Rate History 2 changes since Sep 14, 2026 · 2.10% → 2.10% ▼ 0.00 pts · high 2.24% / low 2.10% Oct 12, 20262.10%▼ from 2.24% Oct 4, 20262.24%▲ from 2.10% Sep 14, 20262.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.34%
9 Month Certificate	2.05%	2.07%	9 Months
Min Deposit $1,000 Details New money is defined as money not currently on deposit with People's Alliance Federal Credit Union (PAFCU) and not held by PAFCU within the past 12 months. PAFCU determines whether funds qualify as new money at its sole discretion. Early withdrawal penalties may apply and could reduce earnings. Fees may reduce earnings. Limited-time offer. Membership eligibility required. Other terms and restrictions may apply. See a PAFCU representative for complete details. Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 2.07% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.34%
1 Year Certificate	1.83%	1.85%	1 Year
Min Deposit $1,000 Details New money is defined as money not currently on deposit with People's Alliance Federal Credit Union (PAFCU) and not held by PAFCU within the past 12 months. PAFCU determines whether funds qualify as new money at its sole discretion. Early withdrawal penalties may apply and could reduce earnings. Fees may reduce earnings. Limited-time offer. Membership eligibility required. Other terms and restrictions may apply. See a PAFCU representative for complete details. Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 1.85% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.34%
Building 1 Year	1.83%	1.85%	1 Year
Min Deposit $1,000 Details New money is defined as money not currently on deposit with People's Alliance Federal Credit Union (PAFCU) and not held by PAFCU within the past 12 months. PAFCU determines whether funds qualify as new money at its sole discretion. Early withdrawal penalties may apply and could reduce earnings. Fees may reduce earnings. Limited-time offer. Membership eligibility required. Other terms and restrictions may apply. See a PAFCU representative for complete details. Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 1.85% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.34%
Education 1 Year	1.83%	1.85%	1 Year
Min Deposit $1,000 Details New money is defined as money not currently on deposit with People's Alliance Federal Credit Union (PAFCU) and not held by PAFCU within the past 12 months. PAFCU determines whether funds qualify as new money at its sole discretion. Early withdrawal penalties may apply and could reduce earnings. Fees may reduce earnings. Limited-time offer. Membership eligibility required. Other terms and restrictions may apply. See a PAFCU representative for complete details. Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 1.85% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.34%
3 Month Certificate	1.63%	1.64%	3 Months
Min Deposit $1,000 Details New money is defined as money not currently on deposit with People's Alliance Federal Credit Union (PAFCU) and not held by PAFCU within the past 12 months. PAFCU determines whether funds qualify as new money at its sole discretion. Early withdrawal penalties may apply and could reduce earnings. Fees may reduce earnings. Limited-time offer. Membership eligibility required. Other terms and restrictions may apply. See a PAFCU representative for complete details. Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 1.64% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.34%

Peoples Alliance Federal Credit Union Savings Rates

Product	Rate	APY
Youth Savings	4.41%	4.50%
Min Balance $0 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 4.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.34%
Lucky Savers	1.83%	1.85%
Min Deposit $1,000 Details New money is defined as money not currently on deposit with People's Alliance Federal Credit Union (PAFCU) and not held by PAFCU within the past 12 months. PAFCU determines whether funds qualify as new money at its sole discretion. Early withdrawal penalties may apply and could reduce earnings. Fees may reduce earnings. Limited-time offer. Membership eligibility required. Other terms and restrictions may apply. See a PAFCU representative for complete details. Last Updated 10/12/2026 Rate History 2 changes since Sep 14, 2026 · 1.85% → 1.85% ▼ 0.00 pts · high 1.99% / low 1.85% Oct 12, 20261.85%▼ from 1.99% Oct 4, 20261.99%▲ from 1.85% Sep 14, 20261.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.34%
Health Savings Acct	0.10%	0.10%
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.34%

Peoples Alliance Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market	-	0.70%
Min Balance $100,000 Details Balance: $100,000 & $249,999 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.70% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.34%
Money Market	-	0.50%
Min Balance $25,000 Details Balance: $25,000 to $49,999 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.34%
Money Market	-	0.50%
Min Balance $50,000 Details Balance: $50,000 to $99,999 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.34%
Money Market	-	0.35%
Min Balance $2,500 Details Balance: $2,500 to $24,999 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.34%

Peoples Alliance Federal Credit Union Checking Rates

Product	Rate	APY	View More
VIP Checking	0.05%	0.05%
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.34%

Peoples Alliance Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
15 Year Fixed Mortgage	6.00%	0	6.09%	15 Year
No additional details. Last Updated 10/12/2026 Rate History 2 changes since Sep 14, 2026 · 6.09% → 6.09% ▼ 0.00 pts · high 6.72% / low 6.09% Oct 12, 20266.09%▼ from 6.72% Sep 25, 20266.72%▲ from 6.09% Sep 14, 20266.09%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.34%
10 Year Fixed Mortgage	6.125%	0	6.26%	10 Year
No additional details. Last Updated 10/12/2026 Rate History 2 changes since Sep 14, 2026 · 6.26% → 6.26% ▼ 0.00 pts · high 6.64% / low 6.26% Oct 12, 20266.26%▼ from 6.64% Sep 25, 20266.64%▲ from 6.26% Sep 14, 20266.26%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.34%
30 Year Fixed Mortgage	6.375%	0	6.43%	30 Year
No additional details. Last Updated 10/12/2026 Rate History 2 changes since Sep 14, 2026 · 6.43% → 6.43% ▼ 0.00 pts · high 6.93% / low 6.43% Oct 12, 20266.43%▼ from 6.93% Sep 25, 20266.93%▲ from 6.43% Sep 14, 20266.43%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.34%
20 Year Fixed Mortgage	6.375%	0	6.45%	20 Year
No additional details. Last Updated 10/12/2026 Rate History 2 changes since Sep 14, 2026 · 6.45% → 6.45% ▼ 0.00 pts · high 6.95% / low 6.45% Oct 12, 20266.45%▼ from 6.95% Sep 25, 20266.95%▲ from 6.45% Sep 14, 20266.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.34%

Peoples Alliance Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR
Fixed Home Equity Loan	6.99%	-	6.99%
Details New Loans* 1st position*; Applies to applicants with direct deposit of net pay and a checking account.; RATE range: 6.99% to 7.125% Fixed Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 7.85% → 6.99% ▼ 0.86 pts · high 7.85% / low 6.99% Sep 25, 20266.99%▼ from 7.85%* Sep 14, 20267.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.34%
Fixed Home Equity Loan	7.85%	-	7.85%
Details New Loans*; Applies to applicants with direct deposit of net pay and a checking account.; RATE range: 7.85% to 9.30% Fixed Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 7.85% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.34%
Mini Home Equity Loan	8.00%	-	8.00%
Details Variable rate; Applies to applicants with direct deposit of net pay and a checking account. Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 7.88% → 8.00% ▲ 0.13 pts · high 8.00% / low 7.88% Oct 12, 20268.00%▲ from 7.88% Sep 14, 20267.88%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.34%

Peoples Alliance Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Vehicle Loan	-	-	4.60%	1-5 years
Details As low as 4.60%*; Applies to applicants with direct deposit of net pay and a checking account. Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 4.60% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.34%
New Vehicle Loan	-	-	4.85%	6 years
Details Term: 6 years (over $15,000); As low as 4.85%*; Applies to applicants with direct deposit of net pay and a checking account. Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 4.85% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.34%
New Vehicle Loan	-	-	5.45%	7 years
Details Term: 7 years (over $25,000); As low as 5.70%; Applies to applicants with direct deposit of net pay and a checking account. Last Updated 10/12/2026 Rate History 2 changes since Sep 14, 2026 · 5.45% → 5.45% ▼ 0.00 pts · high 5.70% / low 5.45% Oct 12, 20265.45%▼ from 5.70%* Sep 25, 20265.70%▲ from 5.45% Sep 14, 20265.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.34%
Used Vehicle / Refinance	-	-	5.50%	6 years
Details Term: 6 years (over $15,000); As low as 5.50%*; Applies to applicants with direct deposit of net pay and a checking account. Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 5.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.34%
Used Vehicle / Refinance	-	-	6.10%	7 years
Details Term: 7 years (over $25,000); As low as 6.75%; Applies to applicants with direct deposit of net pay and a checking account. Last Updated 10/12/2026 Rate History 2 changes since Sep 14, 2026 · 6.10% → 6.10% ▼ 0.00 pts · high 6.75% / low 6.10% Oct 12, 20266.10%▼ from 6.75%* Sep 25, 20266.75%▲ from 6.10% Sep 14, 20266.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.34%
Aircraft, Travel Trailer and Rec. Vehicle Loan	-	-	7.49%	1-6 years
Details As low as 7.49%*; Applies to applicants with direct deposit of net pay and a checking account. Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 7.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.34%
Aircraft, Travel Trailer and Rec. Vehicle Loan	-	-	8.49%	7-12 years
Details Term: 7-12 years (over $20,000); As low as 8.49%*; Applies to applicants with direct deposit of net pay and a checking account. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 8.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.34%

Peoples Alliance Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motorcycles, Jet Ski, & ATV Loan	-	5.99%	1-3 years
Details As low as 5.99%; Applies to applicants with direct deposit of net pay and a checking account. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 5.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.34%
Motorcycles, Jet Ski, & ATV Loan	-	6.24%	4-5 years
Details As low as 6.24%; Applies to applicants with direct deposit of net pay and a checking account. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 6.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.34%
Motorcycles, Jet Ski, & ATV Loan	-	6.49%	6-7 years
Details Term: 6-7 years (over $15,000); As low as 6.49%; Applies to applicants with direct deposit of net pay and a checking account. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.34%
Motorcycles, Jet Ski, & ATV Loan	-	6.49%	7 Year
Details Term: 7 Year current rate & 1 yr prior model only; As low as 6.49%; Applies to applicants with direct deposit of net pay and a checking account. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 6.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.34%
New Boat Loan	-	6.74%	192-240 months
Details As low as 6.74%*; Applies to applicants with direct deposit of net pay and a checking account. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 6.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.34%
New Boat Loan	-	6.99%	156-180 months
Details As low as 6.99%*; Applies to applicants with direct deposit of net pay and a checking account. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 6.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.34%
New Boat Loan	-	7.24%	84-122 months
Details As low as 7.24%*; Applies to applicants with direct deposit of net pay and a checking account. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 7.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.34%
Used Boat Loan	-	7.24%	192-240 months
Details As low as 7.24%; Applies to applicants with direct deposit of net pay and a checking account. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 7.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.34%
New Boat Loan	-	7.49%	Up to 72 months
Details As low as 7.49%*; Applies to applicants with direct deposit of net pay and a checking account. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 7.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.34%
Used Boat Loan	-	7.49%	156-180 months
Details As low as 7.49%; Applies to applicants with direct deposit of net pay and a checking account. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 7.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.34%
Used Boat Loan	-	7.74%	84-122 months
Details As low as 7.74%; Applies to applicants with direct deposit of net pay and a checking account. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 7.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.34%
Used Boat Loan	-	7.99%	Up to 72 months
Details As low as 7.99%; Applies to applicants with direct deposit of net pay and a checking account. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 7.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.34%

Peoples Alliance Federal Credit Union Student Loan Rates

Product	Rate	Points	APR	Term	View More
Education Loan	8.00%	-	8.00%	Variable
Details Variable rate; Applies to applicants with direct deposit of net pay and a checking account. Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 8.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.34%

Peoples Alliance Federal Credit Union Personal Loan Rates

Product	APR	Term
Signature (Unsecured)/Debt Consolidation Loan	9.74%	1-3 years
Details As low as 9.74%*; Applies to applicants with direct deposit of net pay and a checking account. Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 9.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.34%
Debt Consolidation Loan	9.99%	Up to 60 months
Details As Low As; The above annual percentage rates (APR) are the lowest rates offered to applicants with direct deposit of net pay and a checking account. Applicants who are not approved at these rates or terms may be offered credit at a higher rate and/or different terms. All loan requests and rates are subject to credit approval. Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 9.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.34%
Signature (Unsecured)/Debt Consolidation Loan	10.74%	4-5 years
Details As low as 10.74%*; Applies to applicants with direct deposit of net pay and a checking account. Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 10.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.34%

Peoples Alliance Federal Credit Union Other Rates

Product	Rate	Points	APY/APR
Variable Equity Line of Credit	-	-	5.74%
Details Applies to applicants with direct deposit of net pay and a checking account. Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 5.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.34%
Escrow Accounts	0.05%	-	0.05%
Min Balance $50 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.34%
IRA	0.17%	-	0.17%
Min Balance $50 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.17% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.34%
Prime Share Account	0.10%	-	0.10%
Min Balance $50 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.34%

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Financial Health History

Peoples Alliance Federal Credit Union’s Texas Ratio fell from 4.07% in Q3 2023 to 3.34% in Q2 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
June 30, 2026	$322M	3.34%	5.0	A+
March 31, 2026	$327M	3.08%	5.0	A+
December 31, 2025	$319M	3.89%	5.0	A+
September 30, 2025	$320M	3.74%	5.0	A+
June 30, 2025	$322M	4.31%	5.0	A+
March 31, 2025	$320M	4.69%	5.0	A+
December 31, 2024	$315M	3.80%	5.0	A+
September 30, 2024	$315M	3.58%	5.0	A+
June 30, 2024	$318M	3.66%	5.0	A+
March 31, 2024	$324M	4.02%	5.0	A+
December 31, 2023	$321M	4.40%	5.0	A+
September 30, 2023	$324M	4.07%	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 Peoples Alliance 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 Peoples Alliance 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 Peoples Alliance Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Peoples Alliance Federal Credit Union

Website https://www.pafcu.org

Address 125 Wireless Blvd, Hauppauge, NY 11788-3971

Phone 631-434-3500

Fax 631-434-6652

President Diane Goerz

CEO Carol Allen

Full-Time Employees 83

Part-Time Employees 7

Branch Locations 8

ATM Locations 6

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.34%

Return on Assets (ROA)

0.2243%

Return on Equity (ROE)

2.0147%

Non-Performing Loans Ratio (NPL)

0.58%

Total Assets

322,210,907

Total Amount of Shares and Deposits

282,458,666

Total Shares and Deposits < 1 Year

276,648,970

Total Shares and Deposits 1 3 Years

5,202,647

Total Shares and Deposits > 3 Years

607,049

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

21,426,464

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

21,426,464

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

261,032,202

Total Interest Expense (Sum of items 6 8)

1,410,990

Share Certificates

3,050

Number of Accounts for Share Drafts

13,483

IRA KEOGH Accounts

693

Number of Accounts for Regular Shares

40,391

Money Market Shares

468

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)

19,097,906

Total Liabilities

288,207,761

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Peoples Alliance 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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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
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       width="160" height="160">
</a>

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

Customer Reviews

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Frequently Asked Questions About Peoples Alliance Federal Credit Union

How many branches does Peoples Alliance Federal Credit Union operate?

Peoples Alliance 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 Peoples Alliance Federal Credit Union?

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

Does Peoples Alliance Federal Credit Union offer online and mobile banking?

Most modern institutions like Peoples Alliance 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.pafcu.org.

Current Peoples Alliance Federal Credit Union Rates

12-Month CD1.85%
18-Month CD3.14%
24-Month CD2.24%
60-Month CD2.87%
Savings4.50%
MMA0.70%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Peoples Alliance Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Peoples Alliance Federal Credit Union Texas Ratio

Peoples Alliance Federal Credit Union Health Trend

Peoples Alliance Federal Credit Union CD Rates

Peoples Alliance Federal Credit Union Savings Rates

Peoples Alliance Federal Credit Union Money Market Rates

Peoples Alliance Federal Credit Union Checking Rates

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Peoples Alliance Federal Credit Union Home Equity & HELOC

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Peoples Alliance Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Peoples Alliance Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Peoples Alliance Federal Credit Union

How many branches does Peoples Alliance Federal Credit Union operate?

Is a member application needed to join Peoples Alliance Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Peoples Alliance Federal Credit Union offer online and mobile banking?

Current Peoples Alliance Federal Credit Union Rates

Compare to Other Credit Unions