MonitorBankRates
☰
Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results
  1. Home›
  2. Credit Unions›
  3. Earning Tree Federal Credit Union
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.

Earning Tree Federal Credit Union Rates & Review October 2026

Earning Tree Federal Credit Union's top rate as of October 13, 2026 is personal loans from 6.90% APR, according to rates verified by MonitorBankRates. MonitorBankRates evaluates the financial stability of Earning Tree Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.11%. Rates last updated and verified on 10/13/2026.

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

MonitorBankRates Verified Healthy Badge Q2 2026 Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 97/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
5.11%
Excellent Lower than avg
Health Trend ?
Steady 12 quarters
Full history ›
Earning Tree Federal Credit Union
Main Office
800 Wyoming Ave
Wyoming, PA 18644
https://www.ufcwlocal72fcu.com
Member NCUA
Customer Reviews
Be the first to review
Write a Review
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.

Earning Tree Federal Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
HOME EQUITY LOANS - - 4.75% 60 Months
Details 1ST POSITION
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 4.99% → 4.75% ▼ 0.24 pts · high 4.99% / low 4.75%
4.25%4.87%5.49%Sep 14, 2026: 4.99% APROct 5, 2026: 4.75% APRSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.75%▼ from 4.99%
  • Sep 14, 20264.99%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.11%
HOME EQUITY LOANS - - 4.99% 60 Months
Details 2ND POSITION
Last Updated 10/09/2026
Rate History
2 changes since Sep 14, 2026 · 4.99% → 4.99% ▼ 0.00 pts · high 4.99% / low 4.75%
4.25%4.87%5.49%Sep 14, 2026: 4.99% APROct 5, 2026: 4.75% APROct 9, 2026: 4.99% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.99%▲ from 4.75%
  • Oct 5, 20264.75%▼ from 4.99%
  • Sep 14, 20264.99%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.11%
HOME EQUITY LOANS - - 4.99% 72 Months
Details 1ST POSITION
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 5.25% → 4.99% ▼ 0.26 pts · high 5.25% / low 4.99%
4.49%5.12%5.75%Sep 14, 2026: 5.25% APROct 5, 2026: 4.99% APRSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.99%▼ from 5.25%
  • Sep 14, 20265.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.11%
HOME EQUITY LOANS - - 5.25% 72 Months
Details 2ND POSITION
Last Updated 10/09/2026
Rate History
2 changes since Sep 14, 2026 · 5.25% → 5.25% ▼ 0.00 pts · high 5.25% / low 4.99%
4.49%5.12%5.75%Sep 14, 2026: 5.25% APROct 5, 2026: 4.99% APROct 9, 2026: 5.25% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20265.25%▲ from 4.99%
  • Oct 5, 20264.99%▼ from 5.25%
  • Sep 14, 20265.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.11%
HOME EQUITY LOANS - - 5.50% 84-108 Months
Details 1ST POSITION
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 5.75% → 5.50% ▼ 0.25 pts · high 5.75% / low 5.50%
5.00%5.63%6.25%Sep 14, 2026: 5.75% APROct 5, 2026: 5.50% APRSep 14, 2026Oct 13, 2026
  • Oct 5, 20265.50%▼ from 5.75%
  • Sep 14, 20265.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.11%
HOME EQUITY LOANS - - 5.75% 84-108 Months
Details 2ND POSITION
Last Updated 10/09/2026
Rate History
2 changes since Sep 14, 2026 · 5.75% → 5.75% ▼ 0.00 pts · high 5.75% / low 5.50%
5.00%5.63%6.25%Sep 14, 2026: 5.75% APROct 5, 2026: 5.50% APROct 9, 2026: 5.75% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20265.75%▲ from 5.50%
  • Oct 5, 20265.50%▼ from 5.75%
  • Sep 14, 20265.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.11%
HOME EQUITY LOANS - - 5.75% 120 Months
Details 1ST POSITION
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 5.99% → 5.75% ▼ 0.24 pts · high 5.99% / low 5.75%
5.25%5.87%6.49%Sep 14, 2026: 5.99% APROct 5, 2026: 5.75% APRSep 14, 2026Oct 13, 2026
  • Oct 5, 20265.75%▼ from 5.99%
  • Sep 14, 20265.99%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.11%
HOME EQUITY LOANS - - 5.99% 120 Months
Details 2ND POSITION
Last Updated 10/09/2026
Rate History
2 changes since Sep 14, 2026 · 5.99% → 5.99% ▼ 0.00 pts · high 5.99% / low 5.75%
5.25%5.87%6.49%Sep 14, 2026: 5.99% APROct 5, 2026: 5.75% APROct 9, 2026: 5.99% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20265.99%▲ from 5.75%
  • Oct 5, 20265.75%▼ from 5.99%
  • Sep 14, 20265.99%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.11%
HOME EQUITY LOANS - - 5.99% 132-144 Months
Details 1ST POSITION
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 6.25% → 5.99% ▼ 0.26 pts · high 6.25% / low 5.99%
5.49%6.12%6.75%Sep 14, 2026: 6.25% APROct 5, 2026: 5.99% APRSep 14, 2026Oct 13, 2026
  • Oct 5, 20265.99%▼ from 6.25%
  • Sep 14, 20266.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.11%
HOME EQUITY LOANS - - 6.25% 132-144 Months
Details 2ND POSITION
Last Updated 10/09/2026
Rate History
2 changes since Sep 14, 2026 · 6.25% → 6.25% ▼ 0.00 pts · high 6.25% / low 5.99%
5.49%6.12%6.75%Sep 14, 2026: 6.25% APROct 5, 2026: 5.99% APROct 9, 2026: 6.25% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20266.25%▲ from 5.99%
  • Oct 5, 20265.99%▼ from 6.25%
  • Sep 14, 20266.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.11%
HOME EQUITY LOANS - - 6.50% 156-180 Months
Details 1ST POSITION
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 6.75% → 6.50% ▼ 0.25 pts · high 6.75% / low 6.50%
6.00%6.63%7.25%Sep 14, 2026: 6.75% APROct 5, 2026: 6.50% APRSep 14, 2026Oct 13, 2026
  • Oct 5, 20266.50%▼ from 6.75%
  • Sep 14, 20266.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.11%
HOME EQUITY LOANS - - 6.75% 156-180 Months
Details 2ND POSITION
Last Updated 10/09/2026
Rate History
2 changes since Sep 14, 2026 · 6.75% → 6.75% ▼ 0.00 pts · high 6.75% / low 6.50%
6.00%6.63%7.25%Sep 14, 2026: 6.75% APROct 5, 2026: 6.50% APROct 9, 2026: 6.75% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20266.75%▲ from 6.50%
  • Oct 5, 20266.50%▼ from 6.75%
  • Sep 14, 20266.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.11%

Earning Tree Federal Credit Union Auto Loan Rates

Product Rate Points APR Term View More
Vehicle Loan 4.50% - 4.50% 24 Months & Under
No additional details.
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 4.75% → 4.50% ▼ 0.25 pts · high 4.75% / low 4.50%
4.00%4.63%5.25%Sep 14, 2026: 4.75% APRSep 17, 2026: 4.50% APRSep 14, 2026Oct 13, 2026
  • Sep 17, 20264.50%▼ from 4.75%
  • Sep 14, 20264.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.11%
Vehicle Loan 4.75% - 4.75% 36 Months
No additional details.
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 5.00% → 4.75% ▼ 0.25 pts · high 5.00% / low 4.75%
4.25%4.88%5.50%Sep 14, 2026: 5.00% APRSep 17, 2026: 4.75% APRSep 14, 2026Oct 13, 2026
  • Sep 17, 20264.75%▼ from 5.00%
  • Sep 14, 20265.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.11%
Vehicle Loan - - 4.75% 24 Months & Under
No additional details.
Last Updated 10/09/2026
Rate History
2 changes since Sep 14, 2026 · 4.75% → 4.75% ▼ 0.00 pts · high 4.75% / low 4.50%
4.00%4.63%5.25%Sep 14, 2026: 4.75% APRSep 17, 2026: 4.50% APRSep 25, 2026: 4.75% APRSep 14, 2026Oct 13, 2026
  • Sep 25, 20264.75%▲ from 4.50%
  • Sep 17, 20264.50%▼ from 4.75%
  • Sep 14, 20264.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.11%
Vehicle Loan 5.00% - 5.00% 48 Months
No additional details.
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 5.25% → 5.00% ▼ 0.25 pts · high 5.25% / low 5.00%
4.50%5.13%5.75%Sep 14, 2026: 5.25% APRSep 17, 2026: 5.00% APRSep 14, 2026Oct 13, 2026
  • Sep 17, 20265.00%▼ from 5.25%
  • Sep 14, 20265.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.11%
Vehicle Loan - - 5.00% 36 Months
No additional details.
Last Updated 10/09/2026
Rate History
2 changes since Sep 14, 2026 · 5.00% → 5.00% ▼ 0.00 pts · high 5.00% / low 4.75%
4.25%4.88%5.50%Sep 14, 2026: 5.00% APRSep 17, 2026: 4.75% APRSep 25, 2026: 5.00% APRSep 14, 2026Oct 13, 2026
  • Sep 25, 20265.00%▲ from 4.75%
  • Sep 17, 20264.75%▼ from 5.00%
  • Sep 14, 20265.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.11%
Vehicle Loan 5.25% - 5.25% 24 Months & Under
No additional details.
Last Updated 10/09/2026
Rate History
3 changes since Sep 14, 2026 · 4.75% → 5.25% ▲ 0.50 pts · high 5.25% / low 4.50%
3.75%4.88%6.00%Sep 14, 2026: 4.75% APRSep 17, 2026: 4.50% APRSep 25, 2026: 4.75% APROct 5, 2026: 5.25% APRSep 14, 2026Oct 13, 2026
  • Oct 5, 20265.25%▲ from 4.75%
  • Sep 25, 20264.75%▲ from 4.50%
  • Sep 17, 20264.50%▼ from 4.75%
  • Sep 14, 20264.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.11%
Vehicle Loan 5.25% - 5.25% 60 Months
No additional details.
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 5.50% → 5.25% ▼ 0.25 pts · high 5.50% / low 5.25%
4.75%5.38%6.00%Sep 14, 2026: 5.50% APRSep 17, 2026: 5.25% APRSep 14, 2026Oct 13, 2026
  • Sep 17, 20265.25%▼ from 5.50%
  • Sep 14, 20265.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.11%
Vehicle Loan - - 5.25% 48 Months
No additional details.
Last Updated 10/09/2026
Rate History
2 changes since Sep 14, 2026 · 5.25% → 5.25% ▼ 0.00 pts · high 5.25% / low 5.00%
4.50%5.13%5.75%Sep 14, 2026: 5.25% APRSep 17, 2026: 5.00% APRSep 25, 2026: 5.25% APRSep 14, 2026Oct 13, 2026
  • Sep 25, 20265.25%▲ from 5.00%
  • Sep 17, 20265.00%▼ from 5.25%
  • Sep 14, 20265.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.11%
Vehicle Loan 5.50% - 5.50% 36 Months
No additional details.
Last Updated 10/09/2026
Rate History
3 changes since Sep 14, 2026 · 5.00% → 5.50% ▲ 0.50 pts · high 5.50% / low 4.75%
4.00%5.13%6.25%Sep 14, 2026: 5.00% APRSep 17, 2026: 4.75% APRSep 25, 2026: 5.00% APROct 5, 2026: 5.50% APRSep 14, 2026Oct 13, 2026
  • Oct 5, 20265.50%▲ from 5.00%
  • Sep 25, 20265.00%▲ from 4.75%
  • Sep 17, 20264.75%▼ from 5.00%
  • Sep 14, 20265.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.11%
Vehicle Loan 5.50% - 5.50% 72 Months
No additional details.
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 5.75% → 5.50% ▼ 0.25 pts · high 5.75% / low 5.50%
5.00%5.63%6.25%Sep 14, 2026: 5.75% APRSep 17, 2026: 5.50% APRSep 14, 2026Oct 13, 2026
  • Sep 17, 20265.50%▼ from 5.75%
  • Sep 14, 20265.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.11%
Vehicle Loan - - 5.50% 60 Months
No additional details.
Last Updated 10/09/2026
Rate History
2 changes since Sep 14, 2026 · 5.50% → 5.50% ▼ 0.00 pts · high 5.50% / low 5.25%
4.75%5.38%6.00%Sep 14, 2026: 5.50% APRSep 17, 2026: 5.25% APRSep 25, 2026: 5.50% APRSep 14, 2026Oct 13, 2026
  • Sep 25, 20265.50%▲ from 5.25%
  • Sep 17, 20265.25%▼ from 5.50%
  • Sep 14, 20265.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.11%
Vehicle Loan 5.75% - 5.75% 48 Months
No additional details.
Last Updated 10/09/2026
Rate History
3 changes since Sep 14, 2026 · 5.25% → 5.75% ▲ 0.50 pts · high 5.75% / low 5.00%
4.25%5.38%6.50%Sep 14, 2026: 5.25% APRSep 17, 2026: 5.00% APRSep 25, 2026: 5.25% APROct 5, 2026: 5.75% APRSep 14, 2026Oct 13, 2026
  • Oct 5, 20265.75%▲ from 5.25%
  • Sep 25, 20265.25%▲ from 5.00%
  • Sep 17, 20265.00%▼ from 5.25%
  • Sep 14, 20265.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.11%
Vehicle Loan 5.75% - 5.75% 78 Months
No additional details.
Last Updated 10/09/2026
Rate History
No change since Sep 17, 2026 · 5.75% APR · checked 7 times
5.25%5.75%6.25%Sep 17, 2026: 5.75% APRSep 17, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.11%
Vehicle Loan - - 5.75% 72 Months
No additional details.
Last Updated 10/09/2026
Rate History
2 changes since Sep 14, 2026 · 5.75% → 5.75% ▼ 0.00 pts · high 5.75% / low 5.50%
5.00%5.63%6.25%Sep 14, 2026: 5.75% APRSep 17, 2026: 5.50% APRSep 25, 2026: 5.75% APRSep 14, 2026Oct 13, 2026
  • Sep 25, 20265.75%▲ from 5.50%
  • Sep 17, 20265.50%▼ from 5.75%
  • Sep 14, 20265.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.11%
Vehicle Loan 5.75% - 5.75% 24 Months & Under
No additional details.
Last Updated 10/09/2026
Rate History
3 changes since Sep 14, 2026 · 4.75% → 5.75% ▲ 1.00 pts · high 5.75% / low 4.50%
3.25%5.13%7.00%Sep 14, 2026: 4.75% APRSep 17, 2026: 4.50% APRSep 25, 2026: 4.75% APROct 5, 2026: 5.75% APRSep 14, 2026Oct 13, 2026
  • Oct 5, 20265.75%▲ from 4.75%
  • Sep 25, 20264.75%▲ from 4.50%
  • Sep 17, 20264.50%▼ from 4.75%
  • Sep 14, 20264.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.11%
Vehicle Loan 6.25% - 6.25% 60 Months
Details Term: 60 Months (2023 only)
Last Updated 10/09/2026
Rate History
2 changes since Sep 14, 2026 · 5.50% → 6.25% ▲ 0.75 pts · high 6.25% / low 5.25%
4.25%5.75%7.25%Sep 14, 2026: 5.50% APRSep 17, 2026: 5.25% APRSep 18, 2026: 6.25% APRSep 14, 2026Oct 13, 2026
  • Sep 18, 20266.25%▲ from 5.25%
  • Sep 17, 20265.25%▼ from 5.50%
  • Sep 14, 20265.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.11%
Vehicle Loan 6.25% - 6.25% 84 Months
Details loans $35,000+
Last Updated 10/09/2026
Rate History
No change since Sep 17, 2026 · 6.25% APR · checked 7 times
5.75%6.25%6.75%Sep 17, 2026: 6.25% APRSep 17, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.11%
Vehicle Loan 6.50% - 6.50% 36 Months
No additional details.
Last Updated 10/09/2026
Rate History
3 changes since Sep 14, 2026 · 5.00% → 6.50% ▲ 1.50 pts · high 6.50% / low 4.75%
3.00%5.63%8.25%Sep 14, 2026: 5.00% APRSep 17, 2026: 4.75% APRSep 25, 2026: 5.00% APROct 5, 2026: 6.50% APRSep 14, 2026Oct 13, 2026
  • Oct 5, 20266.50%▲ from 5.00%
  • Sep 25, 20265.00%▲ from 4.75%
  • Sep 17, 20264.75%▼ from 5.00%
  • Sep 14, 20265.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.11%
VEHICLE LOANS - - 6.99% 24 Months & Under
Details 2027, 2026 (with mileage under 20,000)
Last Updated 10/09/2026
Rate History
3 changes since Sep 14, 2026 · 4.75% → 6.99% ▲ 2.24 pts · high 6.99% / low 4.50%
2.01%5.75%9.48%Sep 14, 2026: 4.75% APRSep 17, 2026: 4.50% APRSep 25, 2026: 4.75% APROct 5, 2026: 6.99% APRSep 14, 2026Oct 13, 2026
  • Oct 5, 20266.99%▲ from 4.75%
  • Sep 25, 20264.75%▲ from 4.50%
  • Sep 17, 20264.50%▼ from 4.75%
  • Sep 14, 20264.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.11%
Vehicle Loan 7.50% - 7.50% 48 Months
Details Term: 48 Months (2020 only)
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 7.50% APR · checked 8 times
7.00%7.50%8.00%Sep 14, 2026: 7.50% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.11%
VEHICLE LOANS - - 7.99% 36 Months
Details 2027, 2026 (with mileage under 20,000)
Last Updated 10/09/2026
Rate History
3 changes since Sep 14, 2026 · 5.00% → 7.99% ▲ 2.99 pts · high 7.99% / low 4.75%
1.51%6.37%11.23%Sep 14, 2026: 5.00% APRSep 17, 2026: 4.75% APRSep 25, 2026: 5.00% APROct 5, 2026: 7.99% APRSep 14, 2026Oct 13, 2026
  • Oct 5, 20267.99%▲ from 5.00%
  • Sep 25, 20265.00%▲ from 4.75%
  • Sep 17, 20264.75%▼ from 5.00%
  • Sep 14, 20265.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.11%

Earning Tree Federal Credit Union Personal Loan Rates

Product APR Term View More
Signature Loan 6.90% 12 months
No additional details.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 6.90% APR · checked 8 times
6.40%6.90%7.40%Sep 14, 2026: 6.90% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.11%
Signature Loan 7.90% 24 months
No additional details.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 7.90% APR · checked 8 times
7.40%7.90%8.40%Sep 14, 2026: 7.90% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.11%
SIGNATURE LOANS 8.50%
Details All loans under $2,000 have a rate of 8.5%. Signature loans are available after 60 days of membership. There is no waiting period with a credit score of 700 or higher.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 8.50% APR · checked 8 times
8.00%8.50%9.00%Sep 14, 2026: 8.50% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.11%
Signature Loan 8.90% 36 months
No additional details.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 8.90% APR · checked 8 times
8.40%8.90%9.40%Sep 14, 2026: 8.90% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.11%
Signature Loan 9.90% 48 months
No additional details.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 9.90% APR · checked 8 times
9.40%9.90%10.40%Sep 14, 2026: 9.90% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.11%
Signature Loan 10.50% 60 months
No additional details.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 10.50% APR · checked 8 times
10.00%10.50%11.00%Sep 14, 2026: 10.50% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.11%

Financial Health History

Earning Tree Federal Credit Union’s Texas Ratio rose from 0.84% in Q3 2023 to 5.11% 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. 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.

0% 1.0★ 1.7% 2.0★ 3.4% 3.0★ 5.2% 4.0★ 6.9% 5.0★ Healthy zone – entire history below the 15% limit 0.84% A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 A+ Q1 2026 5.11% A+ Q2 2026
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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$49M5.11%5.0A+
March 31, 2026$48M4.06%5.0A+
December 31, 2025$47M2.95%5.0A+
September 30, 2025$46M2.05%5.0A+
June 30, 2025$46M3.04%5.0A+
March 31, 2025$45M2.45%5.0A+
December 31, 2024$43M1.64%5.0A+
September 30, 2024$43M2.43%5.0A+
June 30, 2024$43M2.21%5.0A+
March 31, 2024$42M1.25%5.0A+
December 31, 2023$43M1.63%5.0A+
September 30, 2023$43M0.84%5.0A+
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 Earning Tree 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 Earning Tree 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 Earning Tree Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Earning Tree Federal Credit Union
Address 800 Wyoming Ave, Wyoming, PA 18644
Phone 570-693-4072
Fax 570-693-3489
President Joseph Bruno
CEO Wendy Stout
Full-Time Employees 2
Part-Time Employees 3
Branch Locations 4
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+ (97/100)
Texas Ratio
5.11%
Return on Assets (ROA)
0.1415%
Return on Equity (ROE)
1.3883%
Non-Performing Loans Ratio (NPL)
3.89%
Total Assets
49,448,025
Total Amount of Shares and Deposits
44,662,660
Total Shares and Deposits < 1 Year
44,662,660
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
3,149,579
Total Uninsured Shares and Deposits > $250K (F+J)
3,149,579
Total Insured Shares and Deposits > $250K (item 17 less item K)
41,513,081
Total Interest Expense (Sum of items 6 8)
632,859
Number of Accounts for Share Drafts
490
IRA KEOGH Accounts
63
Number of Accounts for Regular Shares
2,191
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)
11,793,614
Total Liabilities
44,688,380
Source: NCUA — Last Updated 06/30/2026
MonitorBankRates Verified Healthy Badge Q2 2026
Q2 2026 MBR Health & Safety Badge

Earning Tree 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.

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, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/credit-unions/u-f-c-w-local-72-federal-credit-union-rates-review-12333">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 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 Earning Tree Federal Credit Union yet. Feel free to create one below.
Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for Earning Tree Federal Credit Union
Your Name:
Your Rating:

Frequently Asked Questions About Earning Tree Federal Credit Union

How many branches does Earning Tree Federal Credit Union operate?

Earning Tree 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 Earning Tree Federal Credit Union?

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

Does Earning Tree Federal Credit Union offer online and mobile banking?

Most modern institutions like Earning Tree 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.ufcwlocal72fcu.com.