What are the current interest rates at FirstEnergy Family Credit Union?

Current rates for FirstEnergy Family Credit Union include: 12-Month CD: 4.06%, 24-Month CD: 4.06%

☰

Home›
Credit Unions›
FirstEnergy Family Credit Union

iAdvertiser Disclosure

FirstEnergy Family Credit Union Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, FirstEnergy Family 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: August 31, 2026

FirstEnergy Family Credit Union's 12 month rates are at 4.06%, 24 month rates are at 4.06%, 6 month rates are at 3.54%. FirstEnergy Family Credit Union's Personal Loan Rates are at 10.00%. MonitorBankRates evaluates the financial stability of FirstEnergy Family Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.02%. Rates last updated and verified on 08/31/2026.

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

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.02%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

FirstEnergy Family Credit Union
Main Office

575 White Pond Dr Ste E
Akron, OH 44320-1184

https://www.fefcu.com

FirstEnergy Family Credit Union CD Rates

Product	Rate	APY	Term
12 month	4.00%	4.06%	12 Months
No additional details. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%
24 month	4.00%	4.06%	24 Months
No additional details. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%
6 month	3.50%	3.54%	6 months
No additional details. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%

FirstEnergy Family Credit Union Savings Rates

Product	Rate	APY	View More
Christmas Club Account	0.30%	0.30%
No additional details. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%

FirstEnergy Family Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity Line	-	-	5.75%	240 months
Details As low as; Rate: Prime -1% (Wall Street Journal); The annual percentage rate can change annually on the first day of February. The rate cannot increase or decrease more than 2 percentage points in any one-year period.; Minimum APR is 2.99%; Maximum APR is 18%; 5 year draw period/20 year total repayment of loan Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%

FirstEnergy Family Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New and Used Vehicles Loan	-	-	4.50%	36 months
Details New: 100% financing; Used: 100% of NADA Avg. Retail Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%
New and Used Vehicles Loan	-	-	5.50%	72 months
Details New: 100% financing; Used: 100% of NADA Avg. Retail Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%
New and Used Vehicles Loan	-	-	6.00%	84 months
Details New: 100% financing; Used: 100% of NADA Avg. Retail Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%

FirstEnergy Family Credit Union Personal Loan Rates

Product	APR	Term	View More
Unsecured Loans	10.00%	Up to 48 months
Details Up to $10,000 Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%

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

FirstEnergy Family Credit Union’s Texas Ratio rose from 0.25% in Q2 2023 to 1.02% 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; the amber line marks the 15% level a credit union must stay under 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 threshold

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	$47M	1.02%	5.0	A+
December 31, 2025	$45M	1.59%	5.0	A+
September 30, 2025	$44M	1.90%	5.0	A+
June 30, 2025	$44M	1.62%	5.0	A+
March 31, 2025	$44M	1.69%	5.0	A+
December 31, 2024	$43M	0.95%	5.0	A+
September 30, 2024	$43M	0.76%	5.0	A+
June 30, 2024	$43M	0.09%	5.0	A+
March 31, 2024	$43M	0.13%	5.0	A+
December 31, 2023	$42M	0.18%	5.0	A+
September 30, 2023	$42M	0.21%	5.0	A+
June 30, 2023	$43M	0.25%	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 FirstEnergy Family 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 FirstEnergy Family 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 FirstEnergy Family Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name FirstEnergy Family Credit Union

Website https://www.fefcu.com

Address 575 White Pond Dr Ste E, Akron, OH 44320-1184

Phone 330-535-3611

Fax 330-535-3611

President William Shonk

CEO Timothy Baker

Full-Time Employees 4

Part-Time Employees 1

Branch Locations 2

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+ (99/100)

Texas Ratio

1.02%

Return on Assets (ROA)

0.4196%

Return on Equity (ROE)

2.6076%

Non-Performing Loans Ratio (NPL)

0.30%

Total Assets

46,728,881

Total Amount of Shares and Deposits

39,208,983

Total Shares and Deposits < 1 Year

39,207,713

Total Shares and Deposits 1 3 Years

1,270

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

760,405

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

760,405

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

38,448,578

Total Interest Expense (Sum of items 6 8)

122,520

Share Certificates

400

Number of Accounts for Regular Shares

4,314

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

196,052

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)

1,269,429

Total Liabilities

39,210,266

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

FirstEnergy Family 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.

<a href="https://monitorbankrates.com/credit-unions/firstenergy-family-credit-union-rates-review-61620">
  <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 FirstEnergy Family 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 FirstEnergy Family Credit Union

Frequently Asked Questions About FirstEnergy Family Credit Union

How many branches does FirstEnergy Family Credit Union operate?

FirstEnergy Family 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 FirstEnergy Family Credit Union?

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

Does FirstEnergy Family Credit Union offer online and mobile banking?

Most modern institutions like FirstEnergy Family 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.fefcu.com.