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PennCrest Bank Rates & Review October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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  • Location-Based Rate Tables
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Rates Last Updated and Verified: October 12, 2026

PennCrest Bank's top rates as of October 12, 2026 are 3.75% APY on its 37-Month Sepcial IRA Certificate, 0.10% APY on savings, 2.00% APY on money market accounts, 0.05% APY on checking, 6.25% on its 15-Year Fixed Rate Biweekly Mortgage Loan, and personal loans from 8.99% APR, according to rates verified by MonitorBankRates. Other PennCrest Bank CD rates include 37-Month Special Certificate at 3.75%, 17-Month Special Certificate at 3.50%, and 17-Month Special IRA Certificate at 3.50%. Other PennCrest Bank mortgage rates include 10-Year Fixed Rate Biweekly Mortgage Loan at 6.25%, 15-Year Fixed Rate Mortgage at 6.375%, and 10-Year Fixed Rate Mortgage at 6.375%. MonitorBankRates evaluates the financial stability of PennCrest Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.61%. Rates last updated and verified on 10/12/2026.

PennCrest Bank 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 PennCrest Bank? Share your experience about PennCrest Bank by leaving a review below, or read customer reviews before you decide to use PennCrest Bank.

MonitorBankRates Verified Healthy Badge Q2 2026 Verified Healthy Q2 2026 Use This Badge on Your Bank Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 99/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
2.61%
Excellent Lower than avg
Health Trend ?
Improving 12 quarters
Full history ›
PennCrest Bank
1201 12th St
Altoona, PA 16601
https://www.PennCrest.BANK
MemberFDIC
Customer Reviews
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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

PennCrest Bank CD Rates

Product Rate APY Term View More
37 Month Sepcial IRA Certificate - 3.75% 37 Month
Min Deposit $10
Min Balance $100
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 8, 2026: 3.75% APYOct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
37 Month Special Certificate - 3.75% 37 Month
Min Deposit $1,000
Min Balance $1,000
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 8, 2026: 3.75% APYOct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
17 Month Special Certificate - 3.50% 17 Month
Min Deposit $1,000
Min Balance $1,000
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 8, 2026: 3.50% APYOct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
17 Month Special IRA Certificate - 3.50% 17 Month
Min Deposit $10
Min Balance $100
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 8, 2026: 3.50% APYOct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
7 Month Special Certificate - 3.25% 7 Month
Min Deposit $1,000
Min Balance $1,000
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 8, 2026: 3.25% APYOct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
7 Month Special IRA Certificate - 3.25% 7 Month
Min Deposit $10
Min Balance $100
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 8, 2026: 3.25% APYOct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
24 Month No Penalty Certificate - 2.75% 24 Month
Min Deposit $1,000
Min Balance $1,000
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Oct 8, 2026: 2.75% APYOct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
48 Month Certificate - 1.25% 48 Month
Min Deposit $1,000
Min Balance $1,000
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 1.25% APY · checked 2 times
0.75%1.25%1.75%Oct 8, 2026: 1.25% APYOct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
48 Month IRA Certificates - 1.25% 48 Month
Min Deposit $10
Min Balance $100
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 1.25% APY · checked 2 times
0.75%1.25%1.75%Oct 8, 2026: 1.25% APYOct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
60 Month Certificate - 1.25% 60 Month
Min Deposit $1,000
Min Balance $1,000
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 1.25% APY · checked 2 times
0.75%1.25%1.75%Oct 8, 2026: 1.25% APYOct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
60 Month IRA Certificates - 1.25% 60 Month
Min Deposit $10
Min Balance $100
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 1.25% APY · checked 2 times
0.75%1.25%1.75%Oct 8, 2026: 1.25% APYOct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
12 Month Certificate - 1.00% 12 Month
Min Deposit $1,000
Min Balance $1,000
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Oct 8, 2026: 1.00% APYOct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
12 Month IRA Certificates - 1.00% 12 Month
Min Deposit $10
Min Balance $100
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Oct 8, 2026: 1.00% APYOct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
18 Month Certificate - 1.00% 18 Month
Min Deposit $1,000
Min Balance $1,000
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Oct 8, 2026: 1.00% APYOct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
18 Month IRA Certificates - 1.00% 18 Month
Min Deposit $10
Min Balance $100
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Oct 8, 2026: 1.00% APYOct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
182 Day Certificate - 1.00% 182 Day
Min Deposit $1,000
Min Balance $1,000
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Oct 8, 2026: 1.00% APYOct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
182 Day IRA Certificates - 1.00% 182 Day
Min Deposit $10
Min Balance $100
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Oct 8, 2026: 1.00% APYOct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
24 Month Certificate - 1.00% 24 Month
Min Deposit $1,000
Min Balance $1,000
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Oct 8, 2026: 1.00% APYOct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
24 Month IRA Certificates - 1.00% 24 Month
Min Deposit $10
Min Balance $100
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Oct 8, 2026: 1.00% APYOct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
30 Month Certificate - 1.00% 30 Month
Min Deposit $1,000
Min Balance $1,000
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Oct 8, 2026: 1.00% APYOct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
30 Month IRA Certificates - 1.00% 30 Month
Min Deposit $10
Min Balance $100
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Oct 8, 2026: 1.00% APYOct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
36 Month Certificate - 1.00% 36 Month
Min Deposit $1,000
Min Balance $1,000
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Oct 8, 2026: 1.00% APYOct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
36 Month IRA Certificates - 1.00% 36 Month
Min Deposit $10
Min Balance $100
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Oct 8, 2026: 1.00% APYOct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Individual Retirement Accounts (Variable Rate) - 18 Month - 0.75% 18 Month
Min Deposit $10
Min Balance $100
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 0.75% APY · checked 2 times
0.25%0.75%1.25%Oct 8, 2026: 0.75% APYOct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
91 Day Certificate - 0.50% 91 Day
Min Deposit $1,000
Min Balance $1,000
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 0.50% APY · checked 2 times
0.00%0.50%1.00%Oct 8, 2026: 0.50% APYOct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
91 Day IRA Certificates - 0.50% 91 Day
Min Deposit $10
Min Balance $100
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 0.50% APY · checked 2 times
0.00%0.50%1.00%Oct 8, 2026: 0.50% APYOct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%

PennCrest Bank Savings Rates

Product Rate APY View More
Christmas Club - 0.10%
Min Balance $10
Last Updated 10/12/2026
Rate History
No change since Sep 24, 2026 · 0.10% APY · checked 5 times
0.00%0.30%0.60%Sep 24, 2026: 0.10% APYSep 24, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Passbook Savings - 0.10%
Min Balance $100
Last Updated 10/12/2026
Rate History
No change since Sep 24, 2026 · 0.10% APY · checked 5 times
0.00%0.30%0.60%Sep 24, 2026: 0.10% APYSep 24, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Statement Savings - 0.10%
Min Balance $100
Last Updated 10/12/2026
Rate History
No change since Sep 24, 2026 · 0.10% APY · checked 5 times
0.00%0.30%0.60%Sep 24, 2026: 0.10% APYSep 24, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Vacation Club - 0.10%
Min Balance $10
Last Updated 10/12/2026
Rate History
No change since Sep 24, 2026 · 0.10% APY · checked 5 times
0.00%0.30%0.60%Sep 24, 2026: 0.10% APYSep 24, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%

PennCrest Bank Money Market Rates

Product Rate APY View More
Money Market - 2.00%
Min Balance $250,000
Details Balance: $250,000.00+
Last Updated 10/12/2026
Rate History
No change since Sep 24, 2026 · 2.00% APY · checked 5 times
1.50%2.00%2.50%Sep 24, 2026: 2.00% APYSep 24, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Money Market - 1.00%
Min Balance $100,000
Details Balance: $100,000 - $249,999.99
Last Updated 10/12/2026
Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 5 times
0.50%1.00%1.50%Sep 24, 2026: 1.00% APYSep 24, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Money Market - 0.75%
Min Balance $25,000
Details Balance: $25,000 - $99,999.99
Last Updated 10/12/2026
Rate History
No change since Sep 24, 2026 · 0.75% APY · checked 5 times
0.25%0.75%1.25%Sep 24, 2026: 0.75% APYSep 24, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Money Market - 0.50%
Min Balance $0
Details Balance: $0 - $24,999.99
Last Updated 10/12/2026
Rate History
No change since Sep 24, 2026 · 0.50% APY · checked 5 times
0.00%0.50%1.00%Sep 24, 2026: 0.50% APYSep 24, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%

PennCrest Bank Checking Rates

Product Rate APY View More
Bonus Checking - 0.05%
Min Balance $500
Last Updated 10/12/2026
Rate History
No change since Sep 24, 2026 · 0.05% APY · checked 5 times
0.00%0.28%0.55%Sep 24, 2026: 0.05% APYSep 24, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%

PennCrest Bank Mortgage Rates

Product Rate Points APR Term View More
15-Year Fixed Rate Biweekly Mortgage Loan 6.25% 0 6.263% 15-Year
No additional details.
Last Updated 10/12/2026
Rate History
1 change since Oct 8, 2026 · 6.00% → 6.26% ▲ 0.26 pts · high 6.26% / low 6.00%
5.50%6.13%6.76%Oct 8, 2026: 6.00% APROct 12, 2026: 6.26% APROct 8, 2026Oct 13, 2026
  • Oct 12, 20266.26%▲ from 6.00%
  • Oct 8, 20266.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
10-Year Fixed Rate Biweekly Mortgage Loan 6.25% 0 6.275% 10-Year
No additional details.
Last Updated 10/12/2026
Rate History
1 change since Oct 8, 2026 · 6.02% → 6.28% ▲ 0.26 pts · high 6.28% / low 6.02%
5.52%6.15%6.78%Oct 8, 2026: 6.02% APROct 12, 2026: 6.28% APROct 8, 2026Oct 13, 2026
  • Oct 12, 20266.28%▲ from 6.02%
  • Oct 8, 20266.02%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
15-Year Fixed Rate Mortgage 6.375% 0 6.402% 15-Year
No additional details.
Last Updated 10/12/2026
Rate History
2 changes since Sep 16, 2026 · 6.03% → 6.40% ▲ 0.38 pts · high 6.40% / low 6.03%
5.53%6.21%6.90%Sep 16, 2026: 6.03% APROct 1, 2026: 6.15% APROct 12, 2026: 6.40% APRSep 16, 2026Oct 13, 2026
  • Oct 12, 20266.40%▲ from 6.15%
  • Oct 1, 20266.15%▲ from 6.03%
  • Sep 16, 20266.03%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
10-Year Fixed Rate Mortgage 6.375% 0 6.413% 10 Year
No additional details.
Last Updated 10/12/2026
Rate History
2 changes since Sep 16, 2026 · 6.04% → 6.41% ▲ 0.38 pts · high 6.41% / low 6.04%
5.54%6.23%6.91%Sep 16, 2026: 6.04% APROct 1, 2026: 6.16% APROct 12, 2026: 6.41% APRSep 16, 2026Oct 13, 2026
  • Oct 12, 20266.41%▲ from 6.16%
  • Oct 1, 20266.16%▲ from 6.04%
  • Sep 16, 20266.04%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
20-Year Fixed Rate Biweekly Mortgage Loan 6.50% 0 6.507% 20-Year
No additional details.
Last Updated 10/12/2026
Rate History
1 change since Oct 8, 2026 · 6.26% → 6.51% ▲ 0.25 pts · high 6.51% / low 6.26%
5.76%6.38%7.01%Oct 8, 2026: 6.26% APROct 12, 2026: 6.51% APROct 8, 2026Oct 13, 2026
  • Oct 12, 20266.51%▲ from 6.26%
  • Oct 8, 20266.26%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
20-Year Fixed Rate Mortgage 6.625% 0 6.647% 20-Year
No additional details.
Last Updated 10/12/2026
Rate History
1 change since Sep 16, 2026 · 6.40% → 6.65% ▲ 0.25 pts · high 6.65% / low 6.40%
5.90%6.52%7.15%Sep 16, 2026: 6.40% APROct 12, 2026: 6.65% APRSep 16, 2026Oct 13, 2026
  • Oct 12, 20266.65%▲ from 6.40%
  • Sep 16, 20266.40%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
30-Year Fixed Rate Biweekly Mortgage Loan 6.75% 0 6.767% 30-Year
No additional details.
Last Updated 10/12/2026
Rate History
1 change since Oct 8, 2026 · 6.51% → 6.77% ▲ 0.26 pts · high 6.77% / low 6.51%
6.01%6.64%7.27%Oct 8, 2026: 6.51% APROct 12, 2026: 6.77% APROct 8, 2026Oct 13, 2026
  • Oct 12, 20266.77%▲ from 6.51%
  • Oct 8, 20266.51%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
30-Year Fixed Rate Mortgage 6.875% 0 6.892% 30-Year
No additional details.
Last Updated 10/12/2026
Rate History
2 changes since Sep 16, 2026 · 6.52% → 6.89% ▲ 0.38 pts · high 6.89% / low 6.52%
6.02%6.70%7.39%Sep 16, 2026: 6.52% APROct 1, 2026: 6.64% APROct 12, 2026: 6.89% APRSep 16, 2026Oct 13, 2026
  • Oct 12, 20266.89%▲ from 6.64%
  • Oct 1, 20266.64%▲ from 6.52%
  • Sep 16, 20266.52%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
1 Year Adjustable Rate Mortgage - 0 7.023% 1 Year
Details Additional APR listed for this product: 7.098%.
Last Updated 10/12/2026
Rate History
2 changes since Sep 16, 2026 · 6.55% → 7.02% ▲ 0.47 pts · high 7.02% / low 6.55%
6.05%6.79%7.52%Sep 16, 2026: 6.55% APROct 1, 2026: 6.98% APROct 12, 2026: 7.02% APRSep 16, 2026Oct 13, 2026
  • Oct 12, 20267.02%▲ from 6.98%
  • Oct 1, 20266.98%▲ from 6.55%
  • Sep 16, 20266.55%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%

PennCrest Bank Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity Loan 5.49% - 5.49% 36 Month
No additional details.
Last Updated 10/12/2026
Rate History
No change since Sep 24, 2026 · 5.49% APR · checked 6 times
4.99%5.49%5.99%Sep 24, 2026: 5.49% APRSep 24, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Home Equity Loan 5.49% - 5.49% 60 Month
No additional details.
Last Updated 10/12/2026
Rate History
No change since Sep 24, 2026 · 5.49% APR · checked 6 times
4.99%5.49%5.99%Sep 24, 2026: 5.49% APRSep 24, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Home Equity Loan 5.64% - 5.64% 120 Month Special
Details Special*
Last Updated 10/12/2026
Rate History
No change since Sep 24, 2026 · 5.64% APR · checked 6 times
5.14%5.64%6.14%Sep 24, 2026: 5.64% APRSep 24, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Home Equity Loan 6.64% - 6.64% 120 Month
No additional details.
Last Updated 10/12/2026
Rate History
No change since Sep 24, 2026 · 6.64% APR · checked 6 times
6.14%6.64%7.14%Sep 24, 2026: 6.64% APRSep 24, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Home Equity Loan 6.74% - 6.74% 180 Month
No additional details.
Last Updated 10/12/2026
Rate History
No change since Sep 24, 2026 · 6.74% APR · checked 6 times
6.24%6.74%7.24%Sep 24, 2026: 6.74% APRSep 24, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Home Equity Loan 6.99% - 6.99% 240 Month
No additional details.
Last Updated 10/12/2026
Rate History
No change since Sep 24, 2026 · 6.99% APR · checked 6 times
6.49%6.99%7.49%Sep 24, 2026: 6.99% APRSep 24, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Home Equity Lines of Credit 5.99% - 7.00% Revolving
Details Introductory APR
Last Updated 10/12/2026
Rate History
1 change since Sep 16, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75%
6.25%6.88%7.50%Sep 16, 2026: 6.75% APROct 8, 2026: 7.00% APRSep 16, 2026Oct 13, 2026
  • Oct 8, 20267.00%▲ from 6.75%
  • Sep 16, 20266.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%

PennCrest Bank Auto Loan Rates

Product Rate Points APR Term View More
New Automobile - - 6.49% 60 months
No additional details.
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 6.49% APR · checked 6 times
5.99%6.49%6.99%Sep 16, 2026: 6.49% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
New Automobile - - 6.49% 66 months
No additional details.
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 6.49% APR · checked 6 times
5.99%6.49%6.99%Sep 16, 2026: 6.49% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
New Automobile - - 6.49% 72 months
No additional details.
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 6.49% APR · checked 6 times
5.99%6.49%6.99%Sep 16, 2026: 6.49% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Used Automobile (2026 - 2021) - - 6.99% 72 months
No additional details.
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 6.99% APR · checked 6 times
6.49%6.99%7.49%Sep 16, 2026: 6.99% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Used Automobile (2020 and older) - - 7.49% 72 months
No additional details.
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 7.49% APR · checked 6 times
6.99%7.49%7.99%Sep 16, 2026: 7.49% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%

PennCrest Bank Personal Loan Rates

Product APR Term View More
Personal Line of Credit 8.99% Revolving
Details Introductory APR; Fully Indexed APR: 10.000%
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 8.99% APR
8.49%8.99%9.49%Oct 12, 2026: 8.99% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Unsecured Installment Loan 9.99% 60 months
No additional details.
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 9.99% APR · checked 6 times
9.49%9.99%10.49%Sep 16, 2026: 9.99% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Personal Line of Credit 10.00% Revolving
No additional details.
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 10.00% APR
9.50%10.00%10.50%Oct 12, 2026: 10.00% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%

PennCrest Bank Other Rates

Product Rate Points APY/APR Term View More
Share Loan 2.00% - 2.00% Interest Only
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 2.00% APR · checked 6 times
1.50%2.00%2.50%Sep 16, 2026: 2.00% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Share Loan 2.00% - 2.00% Interest Only months
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 2.00% APR · checked 2 times
1.50%2.00%2.50%Oct 8, 2026: 2.00% APROct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
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

PennCrest Bank’s Texas Ratio fell from 4.20% in Q3 2023 to 2.61% in Q2 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 bank’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★ 3.3% 3.0★ 5% 4.0★ 6.6% 5.0★ Healthy zone – entire history below the 15% limit 4.20% 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 2.61% 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$247M2.61%5.0A+
March 31, 2026$243M2.50%5.0A+
December 31, 2025$239M2.41%5.0A+
September 30, 2025$236M2.25%5.0A+
June 30, 2025$234M2.43%5.0A+
March 31, 2025$232M2.57%5.0A+
December 31, 2024$226M2.85%5.0A+
September 30, 2024$222M3.25%5.0A+
June 30, 2024$224M4.89%5.0A+
March 31, 2024$224M4.50%5.0A+
December 31, 2023$220M3.86%5.0A+
September 30, 2023$217M4.20%5.0A+
Source: FDIC 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 PennCrest Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer 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 bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather PennCrest Bank 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 PennCrest Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name PennCrest Bank
FDIC Certificate # 30119
Address 1201 12th St, Altoona, PA 16601  ·  Blair
Website https://www.PennCrest.BANK
Established 19390101
FDIC Insurance Date 19890809
Domestic Offices 8
Total Branches 8
Regulator FDIC
FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+
Overall Health Grade Score: 99/100
5.0
Exceptional Out of 5.0 Stars
2.61%
Texas Ratio Nat'l avg: 5.85%
Return on Assets (ROA) 0.4702%
Return on Equity (ROE) 3.8100%
Non-Performing Loans (NPL) 0.32%
Total Assets $247,143,000
Total Deposits $210,034,000
Equity Capital $30,154,000
Net Income $571,000
Headquarters Altoona
Total Branches and Offices 8
Source: FDIC  |  Last Updated 06/30/2026
MonitorBankRates Verified Healthy Badge Q2 2026
Q2 2026 MBR Health & Safety Badge

PennCrest Bank 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://www.monitorbankrates.com/banks/penncrest-bank-rates-review-30119">
  <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

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Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About PennCrest Bank

How many branches does PennCrest Bank operate?

PennCrest Bank currently maintains approximately 8 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, PennCrest Bank 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, PennCrest Bank provides members with tools to manage their accounts and build a solid financial history.

Does PennCrest Bank offer online and mobile banking?

Most modern institutions like PennCrest Bank 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.PennCrest.BANK.

Current PennCrest Bank Rates

  • 12-Month CD1.00%
  • 18-Month CD0.75%
  • 24-Month CD1.00%
  • 36-Month CD1.00%
  • 48-Month CD1.25%
  • 60-Month CD1.25%
  • Savings0.10%
  • MMA2.00%
Retrieved from our database of financial products. Rates subject to change.

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