What are the current interest rates at Peoples Federal Credit Union?

Current rates for Peoples Federal Credit Union include: 12-Month CD: 3.15%, 18-Month CD: 3.05%, 24-Month CD: 3.05%

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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

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Peoples Federal Credit Union

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Peoples Federal Credit Union Rates & Review October 2026

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

Yes, to access services at Peoples 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, Peoples 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: October 5, 2026

Peoples Federal Credit Union's top rates as of October 5, 2026 are 3.51% APY on its 1 Year Jumbo IRA CDs CD, 6.55% on its New Lawn / Tractor / Farm Equipment mortgage, and personal loans from 9.70% APR, according to rates verified by MonitorBankRates. Other Peoples Federal Credit Union CD rates include 1 Year Jumbo CDs at 3.51%, 1 Year Jumbo IRA CDs at 3.46%, and 1 Year Jumbo CDs at 3.46%. Other Peoples Federal Credit Union mortgage rates include Mortgage - 10 yr at 7.12%, and Mortgage - 15 yr at 7.25%. MonitorBankRates evaluates the financial stability of Peoples Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 9.03%. Rates last updated and verified on 10/05/2026.

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

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 95/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

9.03%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Peoples Federal Credit Union
Main

419 1st Ave S
Nitro, WV 25143-2313

https://www.peoplesfcu.com

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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.

Peoples Federal Credit Union CD Rates

Product	Rate	APY	Term
1 Year Jumbo IRA Certificates	-	3.51%	1 Year
Min Deposit $200,000 Min Balance $200,000 Details APY Peoples Preferred Club; Balance: $200,000.00 and over Last Updated 10/05/2026 Rate History 3 changes since Sep 14, 2026 · 3.41% → 3.51% ▲ 0.10 pts · high 3.51% / low 3.30% Oct 5, 20263.51%▲ from 3.41% Sep 21, 20263.41%▲ from 3.30% Sep 18, 20263.30%▼ from 3.41% Sep 14, 20263.41%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.03%
1 Year Jumbo Share Certificates	-	3.51%	1 Year
Min Balance $200,000 Details APY Peoples Preferred Club; Balance: $200,000.00 and over Last Updated 10/05/2026 Rate History 2 changes since Sep 18, 2026 · 3.30% → 3.51% ▲ 0.21 pts · high 3.51% / low 3.30% Oct 5, 20263.51%▲ from 3.41% Sep 21, 20263.41%▲ from 3.30% Sep 18, 20263.30%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.03%
1 Year Jumbo IRA Certificates	-	3.46%	1 Year
Min Deposit $150,000 Min Balance $150,000 Details APY Peoples Preferred Club; Balance: $150,000.00 - $199,999.99 Last Updated 10/05/2026 Rate History 2 changes since Sep 14, 2026 · 3.25% → 3.46% ▲ 0.21 pts · high 3.46% / low 3.25% Oct 5, 20263.46%▲ from 3.36% Sep 21, 20263.36%▲ from 3.25% Sep 14, 20263.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.03%
1 Year Jumbo Share Certificates	-	3.46%	1 Year
Min Balance $150,000 Details Balance: $150,000.00 - $199,999.99; APY Peoples Preferred Club Last Updated 10/05/2026 Rate History 2 changes since Sep 14, 2026 · 3.25% → 3.46% ▲ 0.21 pts · high 3.46% / low 3.25% Oct 5, 20263.46%▲ from 3.36% Sep 21, 20263.36%▲ from 3.25% Sep 14, 20263.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.03%
1 Year Jumbo IRA Certificates	-	3.41%	1 Year
Min Deposit $100,000 Min Balance $100,000 Details APY Peoples Preferred Club; Balance: $100,000.00 - $149,999.99 Last Updated 10/05/2026 Rate History 2 changes since Sep 14, 2026 · 3.20% → 3.41% ▲ 0.21 pts · high 3.41% / low 3.20% Sep 25, 20263.41%▲ from 3.30% Sep 21, 20263.30%▲ from 3.20% Sep 14, 20263.20%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.03%
1 Year Jumbo IRA Certificates	-	3.41%	1 Year
Min Deposit $200,000 Min Balance $200,000 Details Balance: $200,000.00 and over Last Updated 10/05/2026 Rate History 2 changes since Sep 14, 2026 · 3.41% → 3.41% ▼ 0.00 pts · high 3.41% / low 3.30% Sep 21, 20263.41%▲ from 3.30% Sep 18, 20263.30%▼ from 3.41% Sep 14, 20263.41%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.03%
1 Year Jumbo Share Certificates	-	3.41%	1 Year
Min Balance $100,000 Details Balance: $100,000.00 - $149,999.99; APY Peoples Preferred Club Last Updated 10/05/2026 Rate History 2 changes since Sep 14, 2026 · 3.20% → 3.41% ▲ 0.21 pts · high 3.41% / low 3.20% Oct 5, 20263.41%▲ from 3.30% Sep 21, 20263.30%▲ from 3.20% Sep 14, 20263.20%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.03%
1 Year Jumbo Share Certificates	-	3.41%	1 Year
Min Balance $200,000 Details Balance: $200,000.00 and over Last Updated 10/05/2026 Rate History 1 change since Sep 18, 2026 · 3.30% → 3.41% ▲ 0.11 pts · high 3.41% / low 3.30% Sep 21, 20263.41%▲ from 3.30% Sep 18, 20263.30%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.03%
2 Year Jumbo IRA Certificates	-	3.41%	2 Years
Min Deposit $200,000 Min Balance $200,000 Details APY Peoples Preferred Club; Balance: $200,000.00 and over Last Updated 10/05/2026 Rate History 2 changes since Sep 14, 2026 · 3.20% → 3.41% ▲ 0.21 pts · high 3.41% / low 3.20% Oct 5, 20263.41%▲ from 3.30% Sep 21, 20263.30%▲ from 3.20% Sep 14, 20263.20%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.03%
2 Year Jumbo Share Certificates	-	3.41%	2 Years
Min Balance $200,000 Details APY Peoples Preferred Club; Balance: $200,000.00 and over Last Updated 10/05/2026 Rate History 2 changes since Sep 18, 2026 · 3.20% → 3.41% ▲ 0.21 pts · high 3.41% / low 3.20% Oct 5, 20263.41%▲ from 3.30% Sep 21, 20263.30%▲ from 3.20% Sep 18, 20263.20%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.03%
1 Year Jumbo IRA Certificates	-	3.36%	1 Year
Min Deposit $150,000 Min Balance $150,000 Details Balance: $150,000.00 - $199,999.99 Last Updated 10/05/2026 Rate History 1 change since Sep 14, 2026 · 3.25% → 3.36% ▲ 0.11 pts · high 3.36% / low 3.25% Sep 21, 20263.36%▲ from 3.25% Sep 14, 20263.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.03%
1 Year Jumbo Share Certificates	-	3.36%	1 Year
Min Balance $150,000 Details Balance: $150,000.00 - $199,999.99 Last Updated 10/05/2026 Rate History 1 change since Sep 14, 2026 · 3.25% → 3.36% ▲ 0.11 pts · high 3.36% / low 3.25% Sep 21, 20263.36%▲ from 3.25% Sep 14, 20263.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.03%
2 Year Jumbo IRA Certificates	-	3.36%	2 Years
Min Deposit $150,000 Min Balance $150,000 Details APY Peoples Preferred Club; Balance: $150,000.00 - $199,999.99 Last Updated 10/05/2026 Rate History 3 changes since Sep 14, 2026 · 3.25% → 3.36% ▲ 0.11 pts · high 3.36% / low 3.15% Oct 5, 20263.36%▲ from 3.25% Sep 21, 20263.25%▲ from 3.15% Sep 18, 20263.15%▼ from 3.25% Sep 14, 20263.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.03%
2 Year Jumbo Share Certificates	-	3.36%	2 Years
Min Balance $150,000 Details Balance: $150,000.00 - $199,999.99; APY Peoples Preferred Club Last Updated 10/05/2026 Rate History 3 changes since Sep 14, 2026 · 3.25% → 3.36% ▲ 0.11 pts · high 3.36% / low 3.15% Oct 5, 20263.36%▲ from 3.25% Sep 21, 20263.25%▲ from 3.15% Sep 18, 20263.15%▼ from 3.25% Sep 14, 20263.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.03%
1 Year Jumbo IRA Certificates	-	3.30%	1 Year
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000.00 - $149,999.99 Last Updated 10/05/2026 Rate History 1 change since Sep 14, 2026 · 3.20% → 3.30% ▲ 0.10 pts · high 3.30% / low 3.20% Sep 21, 20263.30%▲ from 3.20% Sep 14, 20263.20%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.03%
1 Year Jumbo Share Certificates	-	3.30%	1 Year
Min Balance $100,000 Details Balance: $100,000.00 - $149,999.99 Last Updated 10/05/2026 Rate History 1 change since Sep 14, 2026 · 3.20% → 3.30% ▲ 0.10 pts · high 3.30% / low 3.20% Sep 21, 20263.30%▲ from 3.20% Sep 14, 20263.20%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.03%
2 Year Jumbo IRA Certificates	-	3.30%	2 Years
Min Deposit $200,000 Min Balance $200,000 Details Balance: $200,000.00 and over Last Updated 10/05/2026 Rate History 1 change since Sep 14, 2026 · 3.20% → 3.30% ▲ 0.10 pts · high 3.30% / low 3.20% Sep 21, 20263.30%▲ from 3.20% Sep 14, 20263.20%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.03%
2 Year Jumbo Share Certificates	-	3.30%	2 Years
Min Balance $200,000 Details Balance: $200,000.00 and over Last Updated 10/05/2026 Rate History 1 change since Sep 18, 2026 · 3.20% → 3.30% ▲ 0.10 pts · high 3.30% / low 3.20% Sep 21, 20263.30%▲ from 3.20% Sep 18, 20263.20%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.03%
3 Year Jumbo IRA Certificates	-	3.30%	3 Years
Min Deposit $200,000 Min Balance $200,000 Details APY Peoples Preferred Club; Balance: $200,000.00 and over Last Updated 10/05/2026 Rate History 4 changes since Sep 14, 2026 · 3.05% → 3.30% ▲ 0.25 pts · high 3.30% / low 2.94% Oct 5, 20263.30%▲ from 3.20% Sep 25, 20263.20%▲ from 3.05% Sep 21, 20263.05%▲ from 2.94% Sep 18, 20262.94%▼ from 3.05% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.03%
3 Year Jumbo Share Certificates	-	3.30%	3 Years
Min Balance $200,000 Details APY Peoples Preferred Club; Balance: $200,000.00 and over Last Updated 10/05/2026 Rate History 3 changes since Sep 18, 2026 · 2.94% → 3.30% ▲ 0.36 pts · high 3.30% / low 2.94% Oct 5, 20263.30%▲ from 3.20% Sep 25, 20263.20%▲ from 3.05% Sep 21, 20263.05%▲ from 2.94% Sep 18, 20262.94%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.03%
2 Year Jumbo IRA Certificates	-	3.25%	2 Years
Min Deposit $100,000 Min Balance $100,000 Details APY Peoples Preferred Club; Balance: $100,000.00 - $149,999.99 Last Updated 10/05/2026 Rate History 2 changes since Sep 14, 2026 · 3.05% → 3.25% ▲ 0.20 pts · high 3.25% / low 3.05% Sep 25, 20263.25%▲ from 3.15% Sep 21, 20263.15%▲ from 3.05% Sep 14, 20263.05%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.03%
2 Year Jumbo IRA Certificates	-	3.25%	2 Years
Min Deposit $150,000 Min Balance $150,000 Details Balance: $150,000.00 - $199,999.99 Last Updated 10/05/2026 Rate History 2 changes since Sep 14, 2026 · 3.25% → 3.25% ▼ 0.00 pts · high 3.25% / low 3.15% Sep 21, 20263.25%▲ from 3.15% Sep 18, 20263.15%▼ from 3.25% Sep 14, 20263.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.03%
2 Year Jumbo Share Certificates	-	3.25%	2 Years
Min Balance $100,000 Details Balance: $100,000.00 - $149,999.99; APY Peoples Preferred Club Last Updated 10/05/2026 Rate History 2 changes since Sep 14, 2026 · 3.05% → 3.25% ▲ 0.20 pts · high 3.25% / low 3.05% Oct 5, 20263.25%▲ from 3.15% Sep 21, 20263.15%▲ from 3.05% Sep 14, 20263.05%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.03%
2 Year Jumbo Share Certificates	-	3.25%	2 Years
Min Balance $150,000 Details Balance: $150,000.00 - $199,999.99 Last Updated 10/05/2026 Rate History 2 changes since Sep 14, 2026 · 3.25% → 3.25% ▼ 0.00 pts · high 3.25% / low 3.15% Sep 21, 20263.25%▲ from 3.15% Sep 18, 20263.15%▼ from 3.25% Sep 14, 20263.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.03%
3 Year Jumbo IRA Certificates	-	3.25%	3 Years
Min Deposit $150,000 Min Balance $150,000 Details APY Peoples Preferred Club; Balance: $150,000.00 - $199,999.99 Last Updated 10/05/2026 Rate History 3 changes since Sep 14, 2026 · 2.89% → 3.25% ▲ 0.36 pts · high 3.25% / low 2.89% Oct 5, 20263.25%▲ from 3.15% Sep 25, 20263.15%▲ from 2.99% Sep 21, 20262.99%▲ from 2.89% Sep 14, 20262.89%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.03%
3 Year Jumbo Share Certificates	-	3.25%	3 Years
Min Balance $150,000 Details Balance: $150,000.00 - $199,999.99; APY Peoples Preferred Club Last Updated 10/05/2026 Rate History 3 changes since Sep 14, 2026 · 2.89% → 3.25% ▲ 0.36 pts · high 3.25% / low 2.89% Oct 5, 20263.25%▲ from 3.15% Sep 25, 20263.15%▲ from 2.99% Sep 21, 20262.99%▲ from 2.89% Sep 14, 20262.89%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.03%
3 Year Jumbo IRA Certificates	-	3.20%	3 Years
Min Deposit $200,000 Min Balance $200,000 Details Balance: $200,000.00 and over Last Updated 10/05/2026 Rate History 3 changes since Sep 14, 2026 · 3.05% → 3.20% ▲ 0.15 pts · high 3.20% / low 2.94% Sep 25, 20263.20%▲ from 3.05% Sep 21, 20263.05%▲ from 2.94% Sep 18, 20262.94%▼ from 3.05% Sep 14, 20263.05%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.03%
3 Year Jumbo Share Certificates	-	3.20%	3 Years
Min Balance $200,000 Details Balance: $200,000.00 and over Last Updated 10/05/2026 Rate History 2 changes since Sep 18, 2026 · 2.94% → 3.20% ▲ 0.26 pts · high 3.20% / low 2.94% Sep 25, 20263.20%▲ from 3.05% Sep 21, 20263.05%▲ from 2.94% Sep 18, 20262.94%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.03%
1-year IRA Certificate	-	3.15%	1-year
Details Peoples Preferred Club APY: 3.25% Last Updated 10/05/2026 Rate History 1 change since Sep 14, 2026 · 3.05% → 3.15% ▲ 0.10 pts · high 3.15% / low 3.05% Sep 25, 20263.15%▲ from 3.05% Sep 14, 20263.05%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.03%
1-year Share Certificate	-	3.15%	1 year
Details APY Peoples Preferred Club: 3.25% Last Updated 10/05/2026 Rate History 1 change since Sep 14, 2026 · 3.05% → 3.15% ▲ 0.10 pts · high 3.15% / low 3.05% Sep 25, 20263.15%▲ from 3.05% Sep 14, 20263.05%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.03%
2 Year Jumbo IRA Certificates	-	3.15%	2 Years
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000.00 - $149,999.99 Last Updated 10/05/2026 Rate History 1 change since Sep 14, 2026 · 3.05% → 3.15% ▲ 0.10 pts · high 3.15% / low 3.05% Sep 21, 20263.15%▲ from 3.05% Sep 14, 20263.05%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.03%
2 Year Jumbo Share Certificates	-	3.15%	2 Years
Min Balance $100,000 Details Balance: $100,000.00 - $149,999.99 Last Updated 10/05/2026 Rate History 1 change since Sep 14, 2026 · 3.05% → 3.15% ▲ 0.10 pts · high 3.15% / low 3.05% Sep 21, 20263.15%▲ from 3.05% Sep 14, 20263.05%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.03%
3 Year Jumbo IRA Certificates	-	3.15%	3 Years
Min Deposit $150,000 Min Balance $150,000 Details Balance: $150,000.00 - $199,999.99 Last Updated 10/05/2026 Rate History 2 changes since Sep 14, 2026 · 2.89% → 3.15% ▲ 0.26 pts · high 3.15% / low 2.89% Sep 25, 20263.15%▲ from 2.99% Sep 21, 20262.99%▲ from 2.89% Sep 14, 20262.89%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.03%
3 Year Jumbo Share Certificates	-	3.15%	3 Years
Min Balance $150,000 Details Balance: $150,000.00 - $199,999.99 Last Updated 10/05/2026 Rate History 2 changes since Sep 14, 2026 · 2.89% → 3.15% ▲ 0.26 pts · high 3.15% / low 2.89% Sep 25, 20263.15%▲ from 2.99% Sep 21, 20262.99%▲ from 2.89% Sep 14, 20262.89%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.03%
18-month IRA Certificate	-	3.05%	18-month
Details Peoples Preferred Club APY: 3.15% Last Updated 10/05/2026 Rate History 1 change since Sep 14, 2026 · 2.94% → 3.05% ▲ 0.11 pts · high 3.05% / low 2.94% Sep 25, 20263.05%▲ from 2.94% Sep 14, 20262.94%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.03%
18-month Share Certificate	-	3.05%	18 months
Details APY Peoples Preferred Club: 3.15% Last Updated 10/05/2026 Rate History 1 change since Sep 14, 2026 · 2.94% → 3.05% ▲ 0.11 pts · high 3.05% / low 2.94% Sep 25, 20263.05%▲ from 2.94% Sep 14, 20262.94%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.03%
2-year IRA Certificate	-	3.05%	2-year
Details Peoples Preferred Club APY: 3.15% Last Updated 10/05/2026 Rate History 1 change since Sep 14, 2026 · 2.94% → 3.05% ▲ 0.11 pts · high 3.05% / low 2.94% Sep 25, 20263.05%▲ from 2.94% Sep 14, 20262.94%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.03%
2-year Share Certificate	-	3.05%	2 years
Details APY Peoples Preferred Club: 3.15% Last Updated 10/05/2026 Rate History 1 change since Sep 14, 2026 · 2.94% → 3.05% ▲ 0.11 pts · high 3.05% / low 2.94% Sep 25, 20263.05%▲ from 2.94% Sep 14, 20262.94%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.03%
3 Year Jumbo IRA Certificates	-	3.05%	3 Years
Min Deposit $100,000 Min Balance $100,000 Details APY Peoples Preferred Club; Balance: $100,000.00 - $149,999.99 Last Updated 10/05/2026 Rate History 2 changes since Sep 14, 2026 · 2.84% → 3.05% ▲ 0.21 pts · high 3.05% / low 2.84% Oct 5, 20263.05%▲ from 2.94% Sep 21, 20262.94%▲ from 2.84% Sep 14, 20262.84%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.03%
3 Year Jumbo Share Certificates	-	3.05%	3 Years
Min Balance $100,000 Details Balance: $100,000.00 - $149,999.99; APY Peoples Preferred Club Last Updated 10/05/2026 Rate History 2 changes since Sep 14, 2026 · 2.84% → 3.05% ▲ 0.21 pts · high 3.05% / low 2.84% Oct 5, 20263.05%▲ from 2.94% Sep 21, 20262.94%▲ from 2.84% Sep 14, 20262.84%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.03%
3 Year Jumbo IRA Certificates	-	2.94%	3 Years
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000.00 - $149,999.99 Last Updated 10/05/2026 Rate History 1 change since Sep 14, 2026 · 2.84% → 2.94% ▲ 0.10 pts · high 2.94% / low 2.84% Sep 21, 20262.94%▲ from 2.84% Sep 14, 20262.84%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.03%
3 Year Jumbo Share Certificates	-	2.94%	3 Years
Min Balance $100,000 Details Balance: $100,000.00 - $149,999.99 Last Updated 10/05/2026 Rate History 1 change since Sep 14, 2026 · 2.84% → 2.94% ▲ 0.10 pts · high 2.94% / low 2.84% Sep 21, 20262.94%▲ from 2.84% Sep 14, 20262.84%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.03%
3-year IRA Certificate	-	2.94%	3-year
Details Peoples Preferred Club APY: 3.05% Last Updated 10/05/2026 Rate History 1 change since Sep 14, 2026 · 2.68% → 2.94% ▲ 0.26 pts · high 2.94% / low 2.68% Sep 25, 20262.94%▲ from 2.68% Sep 14, 20262.68%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.03%
3-year Share Certificate	-	2.94%	3 years
Details APY Peoples Preferred Club: 3.05% Last Updated 10/05/2026 Rate History 1 change since Sep 14, 2026 · 2.68% → 2.94% ▲ 0.26 pts · high 2.94% / low 2.68% Sep 25, 20262.94%▲ from 2.68% Sep 14, 20262.68%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.03%
6-month IRA Certificate	-	2.53%	6-month
Details Peoples Preferred Club APY: 2.63% Last Updated 10/05/2026 Rate History 1 change since Sep 14, 2026 · 2.43% → 2.53% ▲ 0.10 pts · high 2.53% / low 2.43% Sep 25, 20262.53%▲ from 2.43% Sep 14, 20262.43%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.03%
6-month Share Certificate	-	2.53%	6 months
Details APY Peoples Preferred Club: 2.63% Last Updated 10/05/2026 Rate History 1 change since Sep 14, 2026 · 2.43% → 2.53% ▲ 0.10 pts · high 2.53% / low 2.43% Sep 25, 20262.53%▲ from 2.43% Sep 14, 20262.43%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.03%

Peoples Federal Credit Union Savings Rates

Product	Rate	APY
Money Club	-	0.70%
Min Balance $25,000 Details Balance: $25,000.01 and over Last Updated 10/05/2026 Rate History No change since Sep 14, 2026 · 0.70% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.03%
Money Club	-	0.65%
Min Balance $5,000 Details Balance: $5,000.01 - $25,000.00 Last Updated 10/05/2026 Rate History No change since Sep 14, 2026 · 0.65% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.03%
Money Club	-	0.60%
Min Balance $0 Details Balance: $0.01 - $5,000.00 Last Updated 10/05/2026 Rate History No change since Sep 14, 2026 · 0.60% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.03%
Christmas Club Accounts	-	0.35%
No additional details. Last Updated 10/05/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.03%
Vacation Club Accounts	-	0.35%
No additional details. Last Updated 10/05/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.03%

Peoples Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
New Lawn / Tractor / Farm Equipment	-	-	6.55%
No additional details. Last Updated 10/05/2026 Rate History 1 change since Sep 14, 2026 · 6.40% → 6.55% ▲ 0.15 pts · high 6.55% / low 6.40% Sep 25, 20266.55%▲ from 6.40% Sep 14, 20266.40%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.03%
Mortgage - 10 yr	-	-	7.125%	10 years
No additional details. Last Updated 10/05/2026 Rate History 2 changes since Sep 14, 2026 · 6.00% → 7.13% ▲ 1.13 pts · high 7.13% / low 6.00% Oct 5, 20267.13%▲ from 6.75% Sep 21, 20266.75%▲ from 6.00% Sep 14, 20266.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.03%
Mortgage - 15 yr	-	-	7.25%	15 years
No additional details. Last Updated 10/05/2026 Rate History 2 changes since Sep 14, 2026 · 6.13% → 7.25% ▲ 1.13 pts · high 7.25% / low 6.13% Oct 5, 20267.25%▲ from 6.88% Sep 21, 20266.88%▲ from 6.13% Sep 14, 20266.13%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.03%

Peoples Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity Line of Credit	-	-	7.00%
Details Variable Last Updated 10/05/2026 Rate History 1 change since Sep 14, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75% Oct 2, 20267.00%▲ from 6.75% Sep 14, 20266.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.03%

Peoples Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR
Used Auto	-	-	5.55%
Details As Low As Last Updated 10/05/2026 Rate History 1 change since Sep 14, 2026 · 5.90% → 5.55% ▼ 0.35 pts · high 5.90% / low 5.55% Sep 25, 20265.55%▼ from 5.90% Sep 14, 20265.90%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.03%
New Auto	-	-	6.05%
Details As Low As Last Updated 10/05/2026 Rate History 1 change since Sep 14, 2026 · 4.90% → 6.05% ▲ 1.15 pts · high 6.05% / low 4.90% Sep 25, 20266.05%▲ from 4.90% Sep 14, 20264.90%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.03%

Peoples Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR
New ATV Loan	-	5.30%
Details Peoples Preferred Club & Pre-Approval; As Low As Last Updated 10/05/2026 Rate History 1 change since Sep 14, 2026 · 5.15% → 5.30% ▲ 0.15 pts · high 5.30% / low 5.15% Sep 25, 20265.30%▲ from 5.15% Sep 14, 20265.15%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.03%
New Boat / RV Loan	-	5.30%
Details Peoples Preferred Club & Pre-Approval; As Low As Last Updated 10/05/2026 Rate History 1 change since Sep 14, 2026 · 5.15% → 5.30% ▲ 0.15 pts · high 5.30% / low 5.15% Sep 25, 20265.30%▲ from 5.15% Sep 14, 20265.15%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.03%
New Motorcycle Loan	-	5.30%
Details Peoples Preferred Club & Pre-Approval; As Low As Last Updated 10/05/2026 Rate History 1 change since Sep 14, 2026 · 5.15% → 5.30% ▲ 0.15 pts · high 5.30% / low 5.15% Sep 25, 20265.30%▲ from 5.15% Sep 14, 20265.15%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.03%
New ATV Loan	-	5.55%
Details Peoples Preferred Club; As Low As Last Updated 10/05/2026 Rate History 1 change since Sep 14, 2026 · 5.40% → 5.55% ▲ 0.15 pts · high 5.55% / low 5.40% Sep 25, 20265.55%▲ from 5.40% Sep 14, 20265.40%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.03%
New Boat / RV Loan	-	5.55%
Details Peoples Preferred Club; As Low As Last Updated 10/05/2026 Rate History 1 change since Sep 14, 2026 · 5.40% → 5.55% ▲ 0.15 pts · high 5.55% / low 5.40% Sep 25, 20265.55%▲ from 5.40% Sep 14, 20265.40%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.03%
New Motorcycle Loan	-	5.55%
Details Peoples Preferred Club; As Low As Last Updated 10/05/2026 Rate History 1 change since Sep 14, 2026 · 5.40% → 5.55% ▲ 0.15 pts · high 5.55% / low 5.40% Sep 25, 20265.55%▲ from 5.40% Sep 14, 20265.40%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.03%
Used ATV Loan	-	5.55%
Details Peoples Preferred Club & Pre-Approval; As Low As Last Updated 10/05/2026 Rate History 1 change since Sep 14, 2026 · 5.40% → 5.55% ▲ 0.15 pts · high 5.55% / low 5.40% Sep 25, 20265.55%▲ from 5.40% Sep 14, 20265.40%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.03%
Used Boat / RV Loan	-	5.55%
Details Peoples Preferred Club & Pre-Approval; As Low As Last Updated 10/05/2026 Rate History 1 change since Sep 14, 2026 · 5.40% → 5.55% ▲ 0.15 pts · high 5.55% / low 5.40% Sep 25, 20265.55%▲ from 5.40% Sep 14, 20265.40%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.03%
Used Motorcycle Loan	-	5.55%
Details Peoples Preferred Club & Pre-Approval; As Low As Last Updated 10/05/2026 Rate History 1 change since Sep 14, 2026 · 5.40% → 5.55% ▲ 0.15 pts · high 5.55% / low 5.40% Sep 25, 20265.55%▲ from 5.40% Sep 14, 20265.40%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.03%
Used ATV Loan	-	5.80%
Details Peoples Preferred Club; As Low As Last Updated 10/05/2026 Rate History 1 change since Sep 14, 2026 · 5.65% → 5.80% ▲ 0.15 pts · high 5.80% / low 5.65% Sep 25, 20265.80%▲ from 5.65% Sep 14, 20265.65%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.03%
Used Boat / RV Loan	-	5.80%
Details Peoples Preferred Club; As Low As Last Updated 10/05/2026 Rate History 1 change since Sep 14, 2026 · 5.65% → 5.80% ▲ 0.15 pts · high 5.80% / low 5.65% Sep 25, 20265.80%▲ from 5.65% Sep 14, 20265.65%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.03%
Used Motorcycle Loan	-	5.80%
Details Peoples Preferred Club; As Low As Last Updated 10/05/2026 Rate History 1 change since Sep 14, 2026 · 5.65% → 5.80% ▲ 0.15 pts · high 5.80% / low 5.65% Sep 25, 20265.80%▲ from 5.65% Sep 14, 20265.65%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.03%
New ATV Loan	-	6.05%
Details As Low As Last Updated 10/05/2026 Rate History 1 change since Sep 14, 2026 · 5.90% → 6.05% ▲ 0.15 pts · high 6.05% / low 5.90% Sep 25, 20266.05%▲ from 5.90% Sep 14, 20265.90%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.03%
New Boat / RV Loan	-	6.05%
Details As Low As Last Updated 10/05/2026 Rate History 1 change since Sep 14, 2026 · 5.90% → 6.05% ▲ 0.15 pts · high 6.05% / low 5.90% Sep 25, 20266.05%▲ from 5.90% Sep 14, 20265.90%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.03%
New Motorcycle Loan	-	6.05%
Details As Low As Last Updated 10/05/2026 Rate History 1 change since Sep 14, 2026 · 5.90% → 6.05% ▲ 0.15 pts · high 6.05% / low 5.90% Sep 25, 20266.05%▲ from 5.90% Sep 14, 20265.90%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.03%
Used ATV Loan	-	6.30%
Details As Low As Last Updated 10/05/2026 Rate History 1 change since Sep 14, 2026 · 6.15% → 6.30% ▲ 0.15 pts · high 6.30% / low 6.15% Sep 25, 20266.30%▲ from 6.15% Sep 14, 20266.15%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.03%
Used Boat / RV Loan	-	6.30%
Details As Low As Last Updated 10/05/2026 Rate History 1 change since Sep 14, 2026 · 6.15% → 6.30% ▲ 0.15 pts · high 6.30% / low 6.15% Sep 25, 20266.30%▲ from 6.15% Sep 14, 20266.15%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.03%
Used Motorcycle Loan	-	6.30%
Details As Low As Last Updated 10/05/2026 Rate History 1 change since Sep 14, 2026 · 6.15% → 6.30% ▲ 0.15 pts · high 6.30% / low 6.15% Sep 25, 20266.30%▲ from 6.15% Sep 14, 20266.15%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.03%

Peoples Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Signature Loan	9.70%
No additional details. Last Updated 10/05/2026 Rate History 1 change since Sep 14, 2026 · 9.55% → 9.70% ▲ 0.15 pts · high 9.70% / low 9.55% Sep 25, 20269.70%▲ from 9.55% Sep 14, 20269.55%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.03%

Peoples Federal Credit Union Other Rates

Product	Rate	Points	APY/APR
Fuel Loan	-	-	8.00%
Last Updated 10/05/2026 Rate History 1 change since Sep 14, 2026 · 7.75% → 8.00% ▲ 0.25 pts · high 8.00% / low 7.75% Oct 5, 20268.00%▲ from 7.75% Sep 14, 20267.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.03%
Instant Cash Line of Credit	-	-	7.99%
Last Updated 10/05/2026 Rate History No change since Sep 14, 2026 · 7.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.03%
New PWC Loan	-	-	6.05%
Details As Low As Last Updated 10/05/2026 Rate History 1 change since Sep 14, 2026 · 5.90% → 6.05% ▲ 0.15 pts · high 6.05% / low 5.90% Sep 25, 20266.05%▲ from 5.90% Sep 14, 20265.90%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.03%
New PWC Loan	-	-	5.55%
Details Peoples Preferred Club; As Low As Last Updated 10/05/2026 Rate History 1 change since Sep 14, 2026 · 5.40% → 5.55% ▲ 0.15 pts · high 5.55% / low 5.40% Sep 25, 20265.55%▲ from 5.40% Sep 14, 20265.40%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.03%
New PWC Loan	-	-	5.30%
Details Peoples Preferred Club & Pre-Approval; As Low As Last Updated 10/05/2026 Rate History 1 change since Sep 14, 2026 · 5.15% → 5.30% ▲ 0.15 pts · high 5.30% / low 5.15% Sep 25, 20265.30%▲ from 5.15% Sep 14, 20265.15%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.03%
Used Lawn / Tractor / Farm Equipment	-	-	7.55%
Last Updated 10/05/2026 Rate History 1 change since Sep 14, 2026 · 7.40% → 7.55% ▲ 0.15 pts · high 7.55% / low 7.40% Sep 25, 20267.55%▲ from 7.40% Sep 14, 20267.40%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.03%
Used PWC Loan	-	-	6.30%
Details As Low As Last Updated 10/05/2026 Rate History 1 change since Sep 14, 2026 · 6.15% → 6.30% ▲ 0.15 pts · high 6.30% / low 6.15% Sep 25, 20266.30%▲ from 6.15% Sep 14, 20266.15%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.03%
Used PWC Loan	-	-	5.80%
Details Peoples Preferred Club; As Low As Last Updated 10/05/2026 Rate History 1 change since Sep 14, 2026 · 5.65% → 5.80% ▲ 0.15 pts · high 5.80% / low 5.65% Sep 25, 20265.80%▲ from 5.65% Sep 14, 20265.65%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.03%
Used PWC Loan	-	-	5.55%
Details Peoples Preferred Club & Pre-Approval; As Low As Last Updated 10/05/2026 Rate History 1 change since Sep 14, 2026 · 5.40% → 5.55% ▲ 0.15 pts · high 5.55% / low 5.40% Sep 25, 20265.55%▲ from 5.40% Sep 14, 20265.40%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.03%
Coverdell Educational Savings Account	-	-	0.75%
Details Peoples Preferred Club APY: NA Last Updated 10/05/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.03%
Regular Shares	-	-	0.15%
Last Updated 10/05/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.03%

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

Peoples Federal Credit Union’s Texas Ratio rose from 7.26% in Q3 2023 to 9.03% 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; the green zone below the amber 15% line is where a credit union must stay 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 limit (green zone below = healthy)

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
June 30, 2026	$131M	9.03%	5.0	A
March 31, 2026	$131M	6.65%	5.0	A
December 31, 2025	$128M	12.06%	5.0	A
September 30, 2025	$126M	8.82%	5.0	A
June 30, 2025	$126M	11.21%	5.0	A
March 31, 2025	$123M	7.69%	5.0	A
December 31, 2024	$118M	10.13%	5.0	A
September 30, 2024	$118M	6.41%	5.0	A
June 30, 2024	$120M	10.73%	5.0	A
March 31, 2024	$120M	6.74%	5.0	A
December 31, 2023	$116M	10.46%	5.0	A
September 30, 2023	$116M	7.26%	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 Peoples 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 Peoples 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 Peoples Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Peoples Federal Credit Union

Website https://www.peoplesfcu.com

Address 419 1st Ave S, Nitro, WV 25143-2313

Phone 304-722-2274

Fax 304-722-2285

President Jesse Scott II

CEO Andrew Myers

Full-Time Employees 30

Part-Time Employees 0

Branch Locations 5

ATM Locations 5

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (95/100)

Texas Ratio

9.03%

Return on Assets (ROA)

0.4928%

Return on Equity (ROE)

2.9810%

Non-Performing Loans Ratio (NPL)

2.19%

Total Assets

130,639,629

Total Amount of Shares and Deposits

108,304,279

Total Shares and Deposits < 1 Year

91,880,932

Total Shares and Deposits 1 3 Years

16,423,347

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

3,102,545

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

3,102,545

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

105,201,734

Total Interest Expense (Sum of items 6 8)

360,315

Share Certificates

448

Number of Accounts for Share Drafts

6,552

IRA KEOGH Accounts

245

Number of Accounts for Regular Shares

12,035

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)

3,351,556

Total Liabilities

109,044,237

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Peoples 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.

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       width="160" height="160">
</a>

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

Customer Reviews

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☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Peoples Federal Credit Union

How many branches does Peoples Federal Credit Union operate?

Peoples 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 Peoples Federal Credit Union?

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

Does Peoples Federal Credit Union offer online and mobile banking?

Most modern institutions like Peoples 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.peoplesfcu.com.

Current Peoples Federal Credit Union Rates

12-Month CD3.15%
18-Month CD3.05%
24-Month CD3.05%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Peoples Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Peoples Federal Credit Union Texas Ratio

Peoples Federal Credit Union Health Trend

Peoples Federal Credit Union CD Rates

Peoples Federal Credit Union Savings Rates

Peoples Federal Credit Union Mortgage Rates

Peoples Federal Credit Union Home Equity & HELOC

Peoples Federal Credit Union Auto Loan Rates

Peoples Federal Credit Union RV, Boat and Powersport Loan Rates

Peoples Federal Credit Union Personal Loan Rates

Peoples Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Peoples Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Peoples Federal Credit Union

How many branches does Peoples Federal Credit Union operate?

Is a member application needed to join Peoples Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Peoples Federal Credit Union offer online and mobile banking?

Current Peoples Federal Credit Union Rates

Compare to Other Credit Unions