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Erie Police Federal Credit Union

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Erie Police Federal Credit Union Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Erie Police 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 16, 2026

Erie Police Federal Credit Union's Auto Loan Rates are as low as 4.24%. MonitorBankRates evaluates the financial stability of Erie Police Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.00%. Rates last updated and verified on 09/16/2026.

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

0.00%

Perfect Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Erie Police Federal Credit Union
main branch

300 State St Ste 303
Erie, PA 16507

https://www.eriepolicefcu1.com/

Erie Police Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New & Used Car Loan	-	-	4.24%	24 months
Details Model Year: 2027-2024; Min. value of car $15,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
New & Used Car Loan	-	-	4.49%	36 months
Details Model Year: 2027-2024; Min. value of car $15,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
New & Used Car Loan	-	-	4.74%	48 months
Details Model Year: 2027-2024; Min. value of car $15,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
New & Used Car Loan	-	-	4.99%	60 months
Details Model Year: 2027-2024; Min. value of car $15,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Used Car Loan	-	-	5.14%	24 months
Details Model Year: 2023-2020; Min. value of car $15,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
New & Used Car Loan	-	-	5.24%	72 months
Details Model Year: 2027-2024; Min. value of car $25,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Used Car Loan	-	-	5.24%	36 months
Details Model Year: 2023-2020; Min. value of car $15,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Used Car Loan	-	-	5.49%	48 months
Details Model Year: 2023-2020; Min. value of car $15,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
New & Used Car Loan	-	-	5.59%	84 months
Details Model Year: 2027-2024; Min. value of car $30,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Used Car Loan	-	-	5.74%	60 months
Details Model Year: 2023-2020; Min. value of car $15,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Used Car Loan	-	-	5.99%	72 months
Details Model Year: 2023-2020; Min. value of car $25,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Used Car Loan	-	-	6.49%	24 months
Details Model Year: 2019-2016; Min. value of car $15,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Used Car Loan - 36 months	-	-	6.74%	36 months
Details Model Year: 2019-2016; Min. value of car $15,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Used Car Loan - 84 months	-	-	6.74%	84 months
Details Model Year: 2023-2020; Min. value of car $30,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Used Car Loan	-	-	7.49%	48 months
Details Model Year: 2019-2016; Min. value of car $15,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Used Car Loan	-	-	7.74%	60 months
Details Model Year: 2019-2016; Min. value of car $15,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Cars older than 2015 model year Loan	-	-	8.99%	48 months
Details Minimum loan amount $5,000.00 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%

Erie Police Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New Boat, RV, ATV Loan	-	8.25%	24 months
No additional details. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
New Boat, RV, ATV Loan - 24 months	8.25%	8.25%	24 months
Details Must have a Bill of Sale that includes the price signed by all parties. Must have evidence of value on the Boat, RV, or ATV, such as a statement from NADA or an appraisal Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
New Boat, RV, ATV Loan	-	8.50%	36 months
No additional details. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
New Boat, RV, ATV Loan - 36 months	8.50%	8.50%	36 months
Details Must have a Bill of Sale that includes the price signed by all parties. Must have evidence of value on the Boat, RV, or ATV, such as a statement from NADA or an appraisal Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
New Boat, RV, ATV Loan	-	8.75%	48 months
No additional details. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
New Boat, RV, ATV Loan - 48 months	8.75%	8.75%	48 months
Details Must have a Bill of Sale that includes the price signed by all parties. Must have evidence of value on the Boat, RV, or ATV, such as a statement from NADA or an appraisal Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Used Boat, RV, ATV Loan	-	8.75%	24 months
No additional details. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Used Boat, RV, ATV Loan - 24 months	8.75%	8.75%	24 months
Details Must have a Bill of Sale that includes the price signed by all parties. Must have evidence of value on the Boat, RV, or ATV, such as a statement from NADA or an appraisal Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
New Boat, RV, ATV Loan	-	9.00%	60 months
No additional details. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
New Boat, RV, ATV Loan - 60 months	9.00%	9.00%	60 months
Details Must have a Bill of Sale that includes the price signed by all parties. Must have evidence of value on the Boat, RV, or ATV, such as a statement from NADA or an appraisal Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Used Boat, RV, ATV Loan	-	9.00%	36 months
No additional details. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Used Boat, RV, ATV Loan - 36 months	9.00%	9.00%	36 months
Details Must have a Bill of Sale that includes the price signed by all parties. Must have evidence of value on the Boat, RV, or ATV, such as a statement from NADA or an appraisal Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Used Boat, RV, ATV Loan	-	9.25%	48 months
No additional details. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Used Boat, RV, ATV Loan - 48 months	9.25%	9.25%	48 months
Details Must have a Bill of Sale that includes the price signed by all parties. Must have evidence of value on the Boat, RV, or ATV, such as a statement from NADA or an appraisal Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
New Boat, RV, ATV Loan	-	9.50%	72 months
No additional details. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
New Boat, RV, ATV Loan - 72 months	9.50%	9.50%	72 months
Details Must have a Bill of Sale that includes the price signed by all parties. Must have evidence of value on the Boat, RV, or ATV, such as a statement from NADA or an appraisal Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Used Boat, RV, ATV Loan	-	9.50%	60 months
No additional details. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Used Boat, RV, ATV Loan - 60 months	9.50%	9.50%	60 months
Details Must have a Bill of Sale that includes the price signed by all parties. Must have evidence of value on the Boat, RV, or ATV, such as a statement from NADA or an appraisal Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
New Boat, RV, ATV Loan	-	9.75%	84 months
No additional details. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
New Boat, RV, ATV Loan - 84 months	9.75%	9.75%	84 months
Details Must have a Bill of Sale that includes the price signed by all parties. Must have evidence of value on the Boat, RV, or ATV, such as a statement from NADA or an appraisal Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
New Boat, RV, ATV Loan	-	11.50%	120 months
No additional details. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
New Boat, RV, ATV Loan - 120 months	11.50%	11.50%	120 months
Details Must have a Bill of Sale that includes the price signed by all parties. Must have evidence of value on the Boat, RV, or ATV, such as a statement from NADA or an appraisal Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%

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.
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Financial Health History

Erie Police Federal Credit Union’s Texas Ratio stayed near 0.45% in Q2 2023 to 0.00% in Q1 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
March 31, 2026	$2M	0.00%	5.0	A+
December 31, 2025	$2M	0.00%	5.0	A+
September 30, 2025	$2M	0.00%	5.0	A+
June 30, 2025	$3M	0.00%	5.0	A+
March 31, 2025	$3M	0.00%	5.0	A+
December 31, 2024	$3M	0.00%	5.0	A+
September 30, 2024	$3M	0.00%	5.0	A+
June 30, 2024	$3M	0.00%	5.0	A+
March 31, 2024	$3M	0.00%	5.0	A+
December 31, 2023	$3M	0.00%	5.0	A+
September 30, 2023	$3M	0.00%	5.0	A+
June 30, 2023	$3M	0.45%	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 Erie Police 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 Erie Police 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 Erie Police Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Erie Police Federal Credit Union

Website https://www.eriepolicefcu1.com/

Address 300 State St Ste 303, Erie, PA 16507

Phone 814-453-2540

Fax 814-453-2540

President Kenneth Merchant

CEO Michelle Kraus

Full-Time Employees 0

Part-Time Employees 3

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

0.00%

Return on Assets (ROA)

0.1329%

Return on Equity (ROE)

0.4958%

Non-Performing Loans Ratio (NPL)

0.00%

Total Assets

2,452,377

Total Amount of Shares and Deposits

1,786,627

Total Shares and Deposits < 1 Year

1,784,477

Total Shares and Deposits 1 3 Years

2,150

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

1,786,627

Total Interest Expense (Sum of items 6 8)

2,580

Share Certificates

Number of Accounts for Regular Shares

517

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

3,259

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)

379,418

Total Liabilities

1,795,078

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Erie Police Federal Credit Union earned the Verified Healthy badge

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Customer Reviews

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Frequently Asked Questions About Erie Police Federal Credit Union

How many branches does Erie Police Federal Credit Union operate?

Erie Police 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 Erie Police Federal Credit Union?

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

Does Erie Police Federal Credit Union offer online and mobile banking?

Most modern institutions like Erie Police 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.eriepolicefcu1.com/.