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Phoenixville Federal B&T Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
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.
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 27, 2026
Phoenixville Federal B&T's 14-Month Special Offers Certificates of Deposit rates are at 4.00%, 9-Month Special Offers Certificates of Deposit rates are at 4.00%, 3 to 6-Months 3 - 6-Month Growth Certificates of Deposit rates are at 3.60%, Income Certificates of Deposit - 6-Month rates are at 3.60%, 27-Month Special Offers Certificates of Deposit rates are at 3.30%. Phoenixville Federal B&T's savings rates are at 0.18%. Phoenixville Federal B&T's money market rates are at 0.60%. Phoenixville Federal B&T's Mortgage - 20 Year rates are at 7.00%, Mortgage - 30 Year rates are at 7.25%. MonitorBankRates evaluates the financial stability of Phoenixville Federal B&T with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 8.13%. Rates last updated and verified on 10/27/2026.
Phoenixville Federal B&T 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 Phoenixville Federal B&T? Share your experience about Phoenixville Federal B&T by leaving a review below, or read customer reviews before you decide to use Phoenixville Federal B&T.
Phoenixville Federal B&T has earned an overall safety grade of A (Excellent, Score: 96/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective FDIC regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Phoenixville Federal B&T has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
8.13%
ExcellentHigher than avg
Phoenixville Federal B&T Texas Ratio
Phoenixville Federal B&T's Texas Ratio is 8.13%, which is considered excellent and is higher than the national average of 5.85%.
Phoenixville Federal B&T has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
5.89% to 8.13% over 12 quarters, steadyFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A
The Texas Ratio for this bank has held steady at a healthy level since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
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.
Phoenixville Federal B&T CD Rates
Product
Rate
APY
Term
View More
14 Month Special Offers Certificates of Deposit
-
4.00%
14 Months
Min Balance$1,000
DetailsMinimum balance to open and obtain APY is $1,000; interest calculated on daily balance, daily compounding, credited quarterly; substantial penalty for early withdrawal; fees could reduce earnings
Last Updated10/27/2026
Rate History
No change since Oct 22, 2026 · 4.00% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.13%
9 Month Special Offers Certificates of Deposit
-
4.00%
9 Months
Min Balance$1,000
DetailsMinimum balance to open and obtain APY is $1,000; interest calculated on daily balance, daily compounding, credited quarterly; substantial penalty for early withdrawal; fees could reduce earnings
Last Updated10/27/2026
Rate History
No change since Oct 22, 2026 · 4.00% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.13%
3 - 6 Month Growth Certificates of Deposit
-
3.60%
3 to 6 Months
Min Balance$500
DetailsPenalty may be imposed for early withdrawal; interest calculated on daily balance, daily compounding, credited quarterly
Last Updated10/27/2026
Rate History
No change since Oct 14, 2026 · 3.60% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.13%
Income Certificates of Deposit - 6 month
-
3.60%
6 Months
Min Balance$5,000
DetailsMinimum balance of $5,000 required to open and obtain the APY; simple interest credited monthly or quarterly; penalty may be imposed for early withdrawal
Last Updated10/27/2026
Rate History
No change since Sep 24, 2026 · 3.60% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.13%
27 Month Special Offers Certificates of Deposit
-
3.30%
27 Months
Min Balance$1,000
DetailsMinimum balance to open and obtain APY is $1,000; interest calculated on daily balance, daily compounding, credited quarterly; substantial penalty for early withdrawal; fees could reduce earnings
Last Updated10/27/2026
Rate History
No change since Oct 22, 2026 · 3.30% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.13%
2 Month Special Offers Certificates of Deposit
-
3.20%
2 Months
Min Balance$10,000
DetailsMinimum balance to open and obtain APY is $10,000; interest calculated on daily balance, daily compounding, credited at maturity; withdrawals permitted without penalty after seven days on deposit; fees could reduce earnings
Last Updated10/27/2026
Rate History
No change since Oct 22, 2026 · 3.20% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.13%
49 - 60 Month Growth Certificates of Deposit
-
3.20%
49 to 60 Months
Min Balance$500
DetailsPenalty may be imposed for early withdrawal; interest calculated on daily balance, daily compounding, credited quarterly
Last Updated10/27/2026
Rate History
No change since Oct 14, 2026 · 3.20% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.13%
Income Certificates of Deposit - 60 month
-
3.20%
60 Months
Min Balance$5,000
DetailsMinimum balance of $5,000 required to open and obtain the APY; simple interest credited monthly or quarterly; penalty may be imposed for early withdrawal
Last Updated10/27/2026
Rate History
No change since Sep 24, 2026 · 3.20% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.13%
31 - 48 Month Growth Certificates of Deposit
-
3.15%
31 to 48 Months
Min Balance$500
DetailsPenalty may be imposed for early withdrawal; interest calculated on daily balance, daily compounding, credited quarterly
Last Updated10/27/2026
Rate History
No change since Oct 14, 2026 · 3.15% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.13%
19 - 30 Month Growth Certificates of Deposit
-
3.10%
19 to 30 Months
Min Balance$500
DetailsPenalty may be imposed for early withdrawal; interest calculated on daily balance, daily compounding, credited quarterly
Last Updated10/27/2026
Rate History
No change since Oct 14, 2026 · 3.10% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.13%
39 Month Special Offers Certificates of Deposit
-
3.10%
39 Months
Min Balance$1,000
DetailsMinimum balance to open and obtain APY is $1,000; interest calculated on daily balance, daily compounding, credited quarterly; substantial penalty for early withdrawal; fees could reduce earnings
Last Updated10/27/2026
Rate History
No change since Oct 22, 2026 · 3.10% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.13%
Income Certificates of Deposit - 30 month
-
3.10%
30 Months
Min Balance$5,000
DetailsMinimum balance of $5,000 required to open and obtain the APY; simple interest credited monthly or quarterly; penalty may be imposed for early withdrawal
Last Updated10/27/2026
Rate History
No change since Sep 24, 2026 · 3.10% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.13%
13 - 18 Month Growth Certificates of Deposit
-
3.05%
13 to 18 Months
Min Balance$500
DetailsPenalty may be imposed for early withdrawal; interest calculated on daily balance, daily compounding, credited quarterly
Last Updated10/27/2026
Rate History
No change since Oct 14, 2026 · 3.05% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.13%
Income Certificates of Deposit - 18 month
-
3.05%
18 Months
Min Balance$5,000
DetailsMinimum balance of $5,000 required to open and obtain the APY; simple interest credited monthly or quarterly; penalty may be imposed for early withdrawal
Last Updated10/27/2026
Rate History
No change since Sep 24, 2026 · 3.05% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.13%
7 - 12 Month Growth Certificates of Deposit
-
3.00%
7 to 12 Months
Min Balance$500
DetailsPenalty may be imposed for early withdrawal; interest calculated on daily balance, daily compounding, credited quarterly
Last Updated10/27/2026
Rate History
No change since Oct 14, 2026 · 3.00% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.13%
Income Certificates of Deposit - 12 month
-
3.00%
12 Months
Min Balance$5,000
DetailsMinimum balance of $5,000 required to open and obtain the APY; simple interest credited monthly or quarterly; penalty may be imposed for early withdrawal
Last Updated10/27/2026
Rate History
No change since Sep 24, 2026 · 3.00% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.13%
Phoenixville Federal B&T Savings Rates
Product
Rate
APY
View More
Christmas Club
-
2.00%
Min Deposit$10
Min Balance$50
DetailsSimple interest credited at maturity; $10 minimum to open and $50 minimum to obtain APY; withdrawals prior to maturity require account closure and forfeiture of interest
Last Updated10/27/2026
Rate History
No change since Sep 24, 2026 · 2.00% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.13%
Vacation Club
-
2.00%
Min Deposit$10
Min Balance$50
DetailsSimple interest credited at maturity; $10 minimum to open and $50 minimum to obtain APY; withdrawals prior to maturity require account closure and forfeiture of interest
Last Updated10/27/2026
Rate History
No change since Sep 24, 2026 · 2.00% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.13%
Senior Gold Savings
-
0.18%
Min Deposit$20
Min Balance$20
DetailsInterest calculated on the daily balance, daily compounding, credited quarterly; $20 minimum required to open and earn interest
Last Updated10/27/2026
Rate History
No change since Sep 24, 2026 · 0.18% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.13%
Children's Savings Club
-
0.15%
Min Deposit$20
Min Balance$20
DetailsInterest calculated on the daily balance, daily compounding, credited quarterly; $20 minimum required to open and earn interest
Last Updated10/27/2026
Rate History
No change since Sep 24, 2026 · 0.15% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.13%
IRA Statement Savings
-
0.15%
Min Balance$20
DetailsIndividual Retirement Accounts; $20 minimum required to open and earn interest; Interest calculated on the daily balance, daily compounding, credited quarterly
Last Updated10/27/2026
Rate History
No change since Sep 28, 2026 · 0.15% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.13%
Passbook Savings
-
0.15%
Min Deposit$100
Min Balance$100
DetailsInterest calculated on the daily balance, daily compounding, credited quarterly; $100 minimum required to open and earn interest
Last Updated10/27/2026
Rate History
No change since Sep 24, 2026 · 0.15% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.13%
Statement Savings
-
0.15%
Min Deposit$100
Min Balance$100
DetailsInterest calculated on the daily balance, daily compounding, credited quarterly; $100 minimum required to open and earn interest
Last Updated10/27/2026
Rate History
No change since Sep 24, 2026 · 0.15% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.13%
Phoenixville Federal B&T Money Market Rates
Product
Rate
APY
View More
Phoenix Money Market
-
0.60%
Min Deposit$2,500
Min Balance$150,000
DetailsBalance: $150,000.00 and up; Interest calculated on the daily balance, daily compounding, credited monthly. Fees could reduce the earnings on the account.
Last Updated10/27/2026
Rate History
No change since Sep 24, 2026 · 0.60% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.13%
Phoenix Money Market
-
0.50%
Min Deposit$2,500
Min Balance$100,000
DetailsBalance: $100,000.00 to $149,999.99; Interest calculated on the daily balance, daily compounding, credited monthly. Fees could reduce the earnings on the account.
Last Updated10/27/2026
Rate History
No change since Sep 24, 2026 · 0.50% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.13%
Phoenix Money Market
-
0.40%
Min Deposit$2,500
Min Balance$50,000
DetailsBalance: $50,000.00 to $99,999.99; Interest calculated on the daily balance, daily compounding, credited monthly. Fees could reduce the earnings on the account.
Last Updated10/27/2026
Rate History
No change since Sep 24, 2026 · 0.40% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.13%
Phoenix Money Market
-
0.30%
Min Deposit$2,500
Min Balance$25,000
DetailsBalance: $25,000.00 to $49,999.99; Interest calculated on the daily balance, daily compounding, credited monthly. Fees could reduce the earnings on the account.
Last Updated10/27/2026
Rate History
No change since Sep 24, 2026 · 0.30% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.13%
Phoenix Money Market
-
0.20%
Min Deposit$2,500
Min Balance$10,000
DetailsBalance: $10,000.00 to $24,999.99; Interest calculated on the daily balance, daily compounding, credited monthly. Fees could reduce the earnings on the account.
Last Updated10/27/2026
Rate History
No change since Sep 24, 2026 · 0.20% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.13%
Phoenix Money Market
-
0.15%
Min Deposit$2,500
Min Balance$2,500
DetailsBalance: $2,500.00 to $9,999.99; Interest calculated on the daily balance, daily compounding, credited monthly. Fees could reduce the earnings on the account.
Last Updated10/27/2026
Rate History
No change since Sep 24, 2026 · 0.15% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.13%
Phoenixville Federal B&T Mortgage Rates
Product
Rate
Points
APR
Term
View More
Mortgage - 20 Year
7.00%
-
7.125%
20 Year
DetailsApplication Fee: $600; Origination Fee: 0.250%; Rates effective for 90 days from application; Max loan to value 95% purchase / 90% refinance; owner-occupied residences only
Last Updated10/27/2026
Rate History
1 change since Oct 22, 2026 · 7.00% → 7.13% ▲ 0.13 pts · high 7.13% / low 7.00%
Oct 27, 20267.13%▲ from 7.00%
Oct 22, 20267.00%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.13%
Mortgage - 30 Year
7.25%
-
7.348%
30 Year
DetailsApplication Fee: $600; Origination Fee: 0.250%; Rates effective for 90 days from application; Max loan to value 95% purchase / 90% refinance; owner-occupied residences only
Last Updated10/27/2026
Rate History
1 change since Oct 22, 2026 · 7.22% → 7.35% ▲ 0.13 pts · high 7.35% / low 7.22%
Oct 27, 20267.35%▲ from 7.22%
Oct 22, 20267.22%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.13%
Phoenixville Federal B&T Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
Home Equity Loan - Pay
6.25%
-
6.312%
1 to 5 years
DetailsPayment: Auto Pay; Maximum LTV 80%; Auto Pay rate margin of minus .26% applies for auto pay from a Phoenixville Federal Bank & Trust deposit account; rates subject to credit approval
Last Updated10/27/2026
Rate History
1 change since Oct 14, 2026 · 5.81% → 6.31% ▲ 0.50 pts · high 6.31% / low 5.81%
Oct 27, 20266.31%▲ from 5.81%
Oct 14, 20265.81%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.13%
Home Equity Loan - Pay
6.50%
-
6.533%
6 to 10 years
DetailsPayment: Auto Pay; Maximum LTV 80%; Auto Pay rate margin of minus .26% applies for auto pay from a Phoenixville Federal Bank & Trust deposit account; rates subject to credit approval
Last Updated10/27/2026
Rate History
1 change since Oct 14, 2026 · 6.03% → 6.53% ▲ 0.50 pts · high 6.53% / low 6.03%
Oct 27, 20266.53%▲ from 6.03%
Oct 14, 20266.03%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.13%
Home Equity Loan - Statement
6.51%
-
6.572%
1 to 5 years
DetailsPayment: Statement (no auto pay discount); Maximum LTV 80%; rates subject to credit approval
Last Updated10/27/2026
Rate History
1 change since Oct 14, 2026 · 6.07% → 6.57% ▲ 0.50 pts · high 6.57% / low 6.07%
Oct 27, 20266.57%▲ from 6.07%
Oct 14, 20266.07%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.13%
Home Equity Line of Credit - Pay Loan
-
-
6.74%
DetailsAuto Pay APR; Statement APR 7.00%; variable rate; Maximum APR is 18%; Maximum LTV 80%
Last Updated10/27/2026
Rate History
No change since Oct 22, 2026 · 6.74% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.13%
Home Equity Loan - Statement
6.76%
-
6.793%
6 to 10 years
DetailsPayment: Statement (no auto pay discount); Maximum LTV 80%; rates subject to credit approval
Last Updated10/27/2026
Rate History
1 change since Oct 14, 2026 · 6.29% → 6.79% ▲ 0.50 pts · high 6.79% / low 6.29%
Oct 27, 20266.79%▲ from 6.29%
Oct 14, 20266.29%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.13%
Home Equity Line of Credit - Statement
-
-
7.00%
DetailsStatement APR; Auto Pay APR 6.74%; variable rate; Maximum APR is 18%; Maximum LTV 80%
Last Updated10/27/2026
Rate History
No change since Oct 22, 2026 · 7.00% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.13%
Home Equity Loan - Pay
7.00%
-
7.024%
11 to 15 years
DetailsPayment: Auto Pay; Maximum LTV 80%; Auto Pay rate margin of minus .26% applies for auto pay from a Phoenixville Federal Bank & Trust deposit account; rates subject to credit approval
Last Updated10/27/2026
Rate History
1 change since Oct 14, 2026 · 6.27% → 7.02% ▲ 0.75 pts · high 7.02% / low 6.27%
Oct 27, 20267.02%▲ from 6.27%
Oct 14, 20266.27%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.13%
Home Equity Loan - Pay
7.25%
-
7.269%
16 to 20 years
DetailsPayment: Auto Pay; Maximum LTV 80%; Auto Pay rate margin of minus .26% applies for auto pay from a Phoenixville Federal Bank & Trust deposit account; rates subject to credit approval
Last Updated10/27/2026
Rate History
1 change since Oct 14, 2026 · 6.77% → 7.27% ▲ 0.50 pts · high 7.27% / low 6.77%
Oct 27, 20267.27%▲ from 6.77%
Oct 14, 20266.77%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.13%
Home Equity Loan - Statement
7.26%
-
7.284%
11 to 15 years
DetailsPayment: Statement (no auto pay discount); Maximum LTV 80%; rates subject to credit approval
Last Updated10/27/2026
Rate History
1 change since Oct 14, 2026 · 6.53% → 7.28% ▲ 0.75 pts · high 7.28% / low 6.53%
Oct 27, 20267.28%▲ from 6.53%
Oct 14, 20266.53%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.13%
Home Equity Loan - Statement
7.51%
-
7.53%
16 to 20 years
DetailsPayment: Statement (no auto pay discount); Maximum LTV 80%; rates subject to credit approval
Last Updated10/27/2026
Rate History
1 change since Oct 14, 2026 · 7.03% → 7.53% ▲ 0.50 pts · high 7.53% / low 7.03%
Oct 27, 20267.53%▲ from 7.03%
Oct 14, 20267.03%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.13%
Phoenixville Federal B&T Other Rates
Product
Rate
Points
APY/APR
Term
View More
50 N' Better
-
-
0.05%
Min Deposit$25
DetailsBalance to Obtain APY:; Interest Bearing Checking Accounts; Interest calculated on the daily balance, simple interest credited monthly
Last Updated10/27/2026
Rate History
No change since Sep 24, 2026 · 0.05% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.13%
Direct Free Interest
-
-
0.05%
Min Deposit$25
DetailsBalance to Obtain APY:; Interest Bearing Checking Accounts; Interest calculated on the daily balance, simple interest credited monthly
Last Updated10/27/2026
Rate History
No change since Sep 24, 2026 · 0.05% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.13%
Premium Interest
-
-
0.05%
Min Deposit$25
Min Balance$0
DetailsBalance: $0.01 to $2,499.99; Interest Bearing Checking Accounts; Interest calculated on the daily balance, simple interest credited monthly
Last Updated10/27/2026
Rate History
No change since Sep 24, 2026 · 0.05% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.13%
Premium Interest
-
-
0.30%
Min Deposit$25
Min Balance$2,500
DetailsBalance: $2,500.00 and up; Interest Bearing Checking Accounts; Interest calculated on the daily balance, simple interest credited monthly
Last Updated10/27/2026
Rate History
No change since Sep 24, 2026 · 0.30% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.13%
Financial Health History
Phoenixville Federal B&T’s Texas Ratio rose from 5.89% in Q3 2023 to 8.13% 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 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank 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
$648M
8.13%
5.0
A
March 31, 2026
$654M
8.12%
5.0
A
December 31, 2025
$641M
9.40%
5.0
A
September 30, 2025
$635M
5.30%
5.0
A+
June 30, 2025
$644M
5.43%
5.0
A+
March 31, 2025
$652M
5.79%
5.0
A+
December 31, 2024
$655M
5.77%
5.0
A+
September 30, 2024
$653M
5.18%
5.0
A+
June 30, 2024
$662M
6.22%
5.0
A
March 31, 2024
$650M
6.47%
5.0
A
December 31, 2023
$660M
5.81%
5.0
A+
September 30, 2023
$644M
5.89%
5.0
A+
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 Phoenixville Federal B&T 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 Phoenixville Federal B&T 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 Phoenixville Federal B&T's official website for the most current offers and terms.
Address
564 Nutt Rd,
Phoenixville, PA 19460 · Chester
FDIC Certificate #29995
RegulatorFDIC
EstablishedJanuary 1, 1911
FDIC Insurance DateAugust 9, 1989
Domestic Offices7
Total Branches7
FDIC Insured✓ Yes, up to $250,000 per depositor
Financials
MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (96/100)
Texas Ratio
8.13%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
0.7702%
Return on Equity (ROE)
6.5900%
Non-Performing Loans Ratio (NPL)
0.96%
Total Assets
$648,020,000
Total Deposits
$559,094,000
Equity Capital
$76,859,000
Net Income
$2,495,000
Headquarters
Phoenixville
Total Branches and Offices
7
Source: FDIC — Last Updated June 30, 2026
2026 MBR Health & Safety Badge
Phoenixville Federal B&T earned the Verified Healthy badge
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Frequently Asked Questions About Phoenixville Federal B&T
Does Phoenixville Federal B&T offer CDs?
Yes. Phoenixville Federal B&T offers certificates of deposit (CDs) with fixed interest rates across multiple term lengths. CD rates verified by MonitorBankRates as of October 27, 2026 include 4.00% APY on its 14-Month Special Offers Certificates of Deposit, 4.00% APY on its 9-Month Special Offers Certificates of Deposit and 3.60% APY on its 3 to 6-Months 3 - 6-Month Growth Certificates of Deposit.
Are CDs from Phoenixville Federal B&T FDIC insured?
Yes. Phoenixville Federal B&T is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category.
What is the highest CD rate at Phoenixville Federal B&T?
The highest CD rate MonitorBankRates has verified for Phoenixville Federal B&T is 4.00% APY on its 14-Months 14-Month Special Offers Certificates of Deposit, as of October 27, 2026.
What CD terms does Phoenixville Federal B&T offer?
The Phoenixville Federal B&T CD terms MonitorBankRates tracks include 6 month, 9 month, 12 month, 14 month, 18 month, 27 month, 3 year, 4 year and 5 year terms, with rates from 3.30% to 4.00% APY. The institution may offer other terms or specials that are not listed here, so check with Phoenixville Federal B&T for its full lineup.
What is the highest savings rate at Phoenixville Federal B&T?
The highest savings rate MonitorBankRates has verified for Phoenixville Federal B&T is 0.18% APY on its Senior Gold Savings, as of October 27, 2026.
What is the highest money market rate at Phoenixville Federal B&T?
The highest money market rate MonitorBankRates has verified for Phoenixville Federal B&T is 0.60% APY on its Phoenix Money Market, as of October 27, 2026.
What is the lowest mortgage rate at Phoenixville Federal B&T?
The lowest mortgage rate MonitorBankRates has verified for Phoenixville Federal B&T is 7.00% rate on its Mortgage - 20 Year, as of October 27, 2026.
How many branches does Phoenixville Federal B&T operate?
Phoenixville Federal B&T currently maintains approximately 7 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, Phoenixville Federal B&T 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, Phoenixville Federal B&T provides members with tools to manage their accounts and build a solid financial history.
Does Phoenixville Federal B&T offer online and mobile banking?
Most modern institutions like Phoenixville Federal B&T 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.phoenixfed.com.
Are all CD rates listed on MonitorBankRates federally insured?
Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.
I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?
You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit.
If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?
Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.
Why are some CD offers not available for me to open?
Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.
How do Phoenixville Federal B&T rates compare?
Phoenixville Federal B&T's top rates are 4.00% APY on its 14-Months 14-Month Special Offers Certificates of Deposit, 0.18% APY on its Senior Gold Savings, 0.60% APY on its Phoenix Money Market and 7.00% on its Mortgage - 20 Year, verified by MonitorBankRates on October 27, 2026.
Current Phoenixville Federal B&T Rates
12-Month CD3.00%
18-Month CD3.05%
36-Month CD3.10%
48-Month CD3.15%
60-Month CD3.20%
Savings0.18%
MMA0.60%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
