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C-B-W Schools Federal Credit Union Rates & Review August 2026

C-B-W Schools Federal Credit Union's 12 month Mini-Jumbo - 1 Year CD rates are at 3.85%, 12 month 1 Year IRA CD rates are at 3.75%, 12 month High Yield - 1 Year CD rates are at 3.70%, 12 month 1 Year CD - Non Compounding rates are at 3.50%, 12 month 1 Year Compounding CD rates are at 3.50%. C-B-W Schools Federal Credit Union's 1st Lien Mortgage Loans rates are at 5.40%, 1st Lien Mortgage Loans rates are at 5.65%, 1st Lien Mortgage Loans rates are at 5.90%. C-B-W Schools Federal Credit Union's Personal Loan Rates are at 4.40%. MonitorBankRates evaluates the financial stability of C-B-W Schools Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.21%. Rates last updated and verified on 08/28/2026.

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

Ranked #55 in MonitorBankRates Top 100 Healthiest Small Credit Unions 2026 Ranked #55 Healthiest Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 100/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
0.21%
Excellent Lower than avg
C-B-W Schools Federal Credit Union
C B W Schools Federal Credit Union
PO Box 400
Sidman, PA 15955 0400
https://www.cbwsfcu.org
Member NCUA

C-B-W Schools Federal Credit Union CD Rates

Product Rate APY Term View More
12 month Mini-Jumbo - 1 Year Certificate 3.85% 3.85% 12 months
Min Deposit $50,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.21%
12 month 1 Year IRA Certificate 3.70% 3.75% 12 months
Min Deposit $500
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.21%
12 month High Yield - 1 Year Certificate 3.70% 3.70% 12 months
Min Deposit $10,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.21%
12 month 1 Year Certificate - Non Compounding 3.50% 3.50% 12 months
Min Deposit $1,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.21%
12 month 1 Year Compounding Certificate 3.45% 3.50% 12 months
Min Deposit $1,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.21%
24 month 2 Year Certificate 3.25% 3.25% 24 months
Min Deposit $1,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.21%
24 month 2 Year IRA Certificate 3.21% 3.25% 24 months
Min Deposit $500
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.21%
36 month 3 Year Certificate 3.25% 3.25% 36 months
Min Deposit $1,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.21%
36 month 3 Year IRA Certificate 3.21% 3.25% 36 months
Min Deposit $500
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.21%
6 month 180 Day Certificate 2.00% 2.00% 6 months
Min Deposit $2,500
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.21%
3 month 90 Day Certificate 1.50% 1.50% 3 months
Min Deposit $2,500
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.21%

C-B-W Schools Federal Credit Union Savings Rates

Product Rate APY View More
Christmas Club 1.00% 1.00%
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.21%
Vacation Club 1.00% 1.00%
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.21%

C-B-W Schools Federal Credit Union Checking Rates

Product Rate APY View More
Checking Account 0.01% 0.01%
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.21%

C-B-W Schools Federal Credit Union Mortgage Rates

Product Rate Points APR Term View More
1st Lien Mortgage Loans 5.40% - 5.40% 120
Details Up to 10 years
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.21%
1st Lien Mortgage Loans 5.65% - 5.65% 180
Details 10 to 15 years
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.21%
1st Lien Mortgage Loans 5.90% - 5.90% 240
Details 15 to 20 years
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.21%

C-B-W Schools Federal Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity Line of Credit 5.53% - 5.53%
Details Variable Interest Rate
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.21%

C-B-W Schools Federal Credit Union Auto Loan Rates

Product Rate Points APR Term View More
New Vehicles Loan 4.40% - 4.40% 36
Details 36 months or less
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.21%
New Vehicles Loan 4.65% - 4.65% 60
Details 37 to 60 months
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.21%
Used Vehicles up to 5 years old Loan 4.65% - 4.65% 36
Details 36 months or less
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.21%
Used Vehicles up to 5 years old Loan 4.90% - 4.90% 60
Details 37 to 60 months
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.21%
New Vehicles Loan 5.15% - 5.15% 72
Details 61 to 72 months
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.21%
New Vehicles Loan 5.40% - 5.40% 84
Details 73 to 84 months $35,000 minimum loan
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.21%
Used Vehicles up to 5 years old Loan 5.40% - 5.40% 72
Details 61 to 72 months
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.21%

Methodology & Data Sources

MonitorBankRates Star Rating
Our rating for C-B-W Schools 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 C-B-W Schools 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 C-B-W Schools Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name C-B-W Schools Federal Credit Union
Address PO Box 400, Sidman, PA 15955 0400
Phone 814-487-5714
Fax 814-487-4997
President James Roccio
CEO Ryan Glista
Full-Time Employees 9
Part-Time Employees 3
Branch Locations 2
ATM Locations 0
NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.21%
Return on Assets (ROA)
0.7659%
Return on Equity (ROE)
2.5133%
Non-Performing Loans Ratio (NPL)
0.29%
Total Assets
124,891,581
Total Amount of Shares and Deposits
90,383,245
Total Shares and Deposits < 1 Year
87,868,958
Total Shares and Deposits 1 3 Years
2,514,287
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
6,179,537
Total Uninsured Shares and Deposits > $250K (F+J)
6,179,537
Total Insured Shares and Deposits > $250K (item 17 less item K)
84,203,708
Total Interest Expense (Sum of items 6 8)
1,099,433
Share Certificates
1,468
Number of Accounts for Share Drafts
1,829
IRA KEOGH Accounts
538
Number of Accounts for Regular Shares
5,051
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)
12,274,883
Total Liabilities
90,557,942
Source: NCUA — Last Updated 09/30/2025
Ranked #55 in MonitorBankRates Top 100 Healthiest Small Credit Unions 2026
2026 MBR Health & Safety Badge

C-B-W Schools Federal Credit Union earned the Top 100 Healthiest badge

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Customer Reviews

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Frequently Asked Questions About C-B-W Schools Federal Credit Union

How many branches does C-B-W Schools Federal Credit Union operate?

C-B-W Schools 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 C-B-W Schools Federal Credit Union?

Yes, to access services at C-B-W Schools 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, C-B-W Schools 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, C-B-W Schools Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does C-B-W Schools Federal Credit Union offer online and mobile banking?

Most modern institutions like C-B-W Schools 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.cbwsfcu.org.

Current C-B-W Schools Federal Credit Union Rates

  • 12-Month CD3.50%
  • 24-Month CD3.25%
Retrieved from our database of financial products. Rates subject to change.