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Titan Federal Credit Union

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Titan Federal Credit Union Rates & Review September 2026

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

Yes, to access services at Titan 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, Titan 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

Titan Federal Credit Union's Personal Loan Rates are as low as 10.00%. Titan Federal Credit Union's Credit Card Rates are at 9.90%. MonitorBankRates evaluates the financial stability of Titan Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.20%. Rates last updated and verified on 09/23/2026.

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

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.20%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Titan Federal Credit Union
Main Office

114 Mack Ave
Pleasant Gap, PA 16823-3104

https://www.titanfcu.com

Titan Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home equity (Fixed Rate)	-	-	4.75%	up to 60 months
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.20%
Home equity (Fixed Rate)	-	-	5.25%	up to 120 months
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.20%
Home equity (fixed rate)	-	-	5.75%	up to 180 months
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.20%
Home equity (fixed rate)	-	-	6.50%	up to 240 months
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.20%

Titan Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto	-	-	4.50%	up to 36 months
Details All model years with approved value Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.20%
Auto	-	-	4.50%	up to 48 months
Details Autos 12 years old or newer Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.20%
Auto	-	-	4.75%	up to 60 months
Details Autos 10 years old or newer Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.20%
Auto	-	-	5.75%	up to 72 months
Details Autos 5 years old or newer Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.20%

Titan Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term	View More
ATV and Boat Loan	-	8.00%	up to 48 months
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.20%

Titan Federal Credit Union Credit Card Rates

Product	Rate	APR
Visa Credit Card	-	9.90%
Details Regular APR: 9.90% (Variable Rate) Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.20%
Visa Credit Card	-	10.90%
Details Regular APR: 10.90% (Variable Rate) Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.20%

Titan Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal loan	10.00%	up to 60 months
Details Maximum loan amount up to $20,000 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.20%

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

Titan Federal Credit Union’s Texas Ratio fell from 1.20% in Q2 2023 to 0.20% 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

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	$69M	0.20%	5.0	A+
December 31, 2025	$68M	1.07%	5.0	A+
September 30, 2025	$66M	0.78%	5.0	A+
June 30, 2025	$65M	1.32%	5.0	A+
March 31, 2025	$64M	1.06%	5.0	A+
December 31, 2024	$62M	1.76%	5.0	A+
September 30, 2024	$61M	1.89%	5.0	A+
June 30, 2024	$63M	0.85%	5.0	A+
March 31, 2024	$62M	0.86%	5.0	A+
December 31, 2023	$60M	0.84%	5.0	A+
September 30, 2023	$61M	0.91%	5.0	A+
June 30, 2023	$62M	1.20%	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 Titan 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 Titan 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 Titan Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Titan Federal Credit Union

Website https://www.titanfcu.com

Address 114 Mack Ave, Pleasant Gap, PA 16823-3104

Phone 814-359-4540

Fax 814-359-4543

President Joseph Galbraith

CEO Joshua Vlajic

Full-Time Employees 5

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+ (100/100)

Texas Ratio

0.20%

Return on Assets (ROA)

0.3837%

Return on Equity (ROE)

2.5273%

Non-Performing Loans Ratio (NPL)

0.07%

Total Assets

68,857,379

Total Amount of Shares and Deposits

58,399,199

Total Shares and Deposits < 1 Year

58,399,199

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

1,483,852

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

1,483,852

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

56,915,347

Total Interest Expense (Sum of items 6 8)

252,083

Share Certificates

250

Number of Accounts for Share Drafts

1,624

IRA KEOGH Accounts

138

Number of Accounts for Regular Shares

4,634

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)

11,793,202

Total Liabilities

58,403,419

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Titan 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.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

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

Customer Reviews

There are no reviews for Titan 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.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Titan Federal Credit Union

Frequently Asked Questions About Titan Federal Credit Union

How many branches does Titan Federal Credit Union operate?

Titan 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 Titan Federal Credit Union?

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

Does Titan Federal Credit Union offer online and mobile banking?

Most modern institutions like Titan 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.titanfcu.com.