What are the current interest rates at Central Keystone Federal Credit Union?

Current rates for Central Keystone Federal Credit Union include: 12-Month CD: 3.16%, 24-Month CD: 3.29%, 60-Month CD: 3.49%, MMA: 3.04%

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Central Keystone Federal Credit Union

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Central Keystone Federal Credit Union Rates & Review August 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Central Keystone 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: August 28, 2026

Central Keystone Federal Credit Union's 60 month CD rates are at 3.49%, 48 month CD rates are at 3.44%, 36 month CD rates are at 3.36%, 24 month CD rates are at 3.29%, 6 month CD rates are at 3.24%. Central Keystone Federal Credit Union's money market rates are at 3.04%. Central Keystone Federal Credit Union's Personal Loan Rates are at 4.49%. MonitorBankRates evaluates the financial stability of Central Keystone Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.23%. Rates last updated and verified on 08/28/2026.

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

Verified Strong Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.23%

Excellent Lower than avg

Central Keystone Federal Credit Union
Main Office

1000 Market St
Sunbury, PA 17801 2403

https://www.ckfcu.org

Central Keystone Federal Credit Union CD Rates

Product	Rate	APY	Term
60 month Certificate	-	3.49%	60 months
Min Deposit $1,000 Details Early Withdrawal Penalty: 180 Days Dividends Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.23%
48 month Certificate	-	3.44%	48 months
Min Deposit $1,000 Details Early Withdrawal Penalty: 180 Days Dividends Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.23%
36 month Certificate	-	3.36%	36 months
Min Deposit $1,000 Details Early Withdrawal Penalty: 180 Days Dividends Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.23%
24 month Certificate	-	3.29%	24 months
Min Deposit $1,000 Details Early Withdrawal Penalty: 90 Days Dividends Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.23%
6 month Certificate	-	3.24%	6 months
Min Deposit $1,000 Details Early Withdrawal Penalty: 90 Days Dividends Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.23%
12 month Certificate	-	3.16%	12 months
Min Deposit $1,000 Details Early Withdrawal Penalty: 90 Days Dividends Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.23%

Central Keystone Federal Credit Union Savings Rates

Product	Rate	APY	View More
Christmas and Vacation Club	-	1.00%
Min Balance $0 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.23%

Central Keystone Federal Credit Union Money Market Rates

Product	Rate	APY	View More
Money Market Account (Golden Shares)	-	3.05%
Min Balance $10,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.23%

Central Keystone Federal Credit Union Checking Rates

Product	Rate	APY	View More
Checking	-	0.10%
Min Balance $0 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.23%

Central Keystone Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Line of Credit - variable-rate, open-end	-	-	6.63%
Details As low as**; This is a variable rate line of credit loan based on the 6 month Treasury Bill Rate plus 3.00% margin. The annual percentage rate can change on the first day of January and July each year. The minimum payment is $50.00, rounded to the nearest $1.00. The maximum APR on Home Equity Line of Credit (HELOC) is 18.00%. After you obtain the first advance, the minimum amount of each subsequent advance is $1,000.00. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.23%
Home Equity Loans - 0 - 60 months	-	-	6.75%	60 Months
Details As low as*; Minimum loan amount is $5,000 Check with credit union for rates. Loan rates are based on credit worthiness of applicants and may vary from those above. Pay $183.55 for every $10,000 borrowed at 4.00% for 60 months. Examle for illustration purposes only. Consult a tax advisor regarding the deductibility of interest. (fixed-rate, closed-end) Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.23%
Home Equity Loans - 61 - 90 months	-	-	7.00%	90 Months
Details As low as*; Minimum loan amount is $5,000 Check with credit union for rates. Loan rates are based on credit worthiness of applicants and may vary from those above. Pay $183.55 for every $10,000 borrowed at 4.00% for 60 months. Examle for illustration purposes only. Consult a tax advisor regarding the deductibility of interest. (fixed-rate, closed-end) Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.23%
Home Equity Loans - 91 - 120 months	-	-	7.25%	120 Months
Details As low as*; Minimum loan amount is $5,000 Check with credit union for rates. Loan rates are based on credit worthiness of applicants and may vary from those above. Pay $183.55 for every $10,000 borrowed at 4.00% for 60 months. Examle for illustration purposes only. Consult a tax advisor regarding the deductibility of interest. (fixed-rate, closed-end) Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.23%

Central Keystone Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Autos - Up to 48 months	-	-	4.49%	Up to 48 months
Details As Low As; Minimum credit score for applicant is 620. Add 1.0 basis points if lower score approved. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.23%
New Autos - 49-60 months	-	-	4.89%	60 Months
Details As Low As; Minimum credit score for applicant is 620. Add 1.0 basis points if lower score approved. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.23%
Used Autos - 2025-23 - Up to 60 months	-	-	4.99%	Up to 60 months
Details As Low As; Minimum credit score for applicant is 620. Add 1.0 basis points if lower score approved. Maximum mileage for used vehicles is 90,000. Add .50 basis if higher mileage approved. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.23%
New Autos - Up to 48 months	-	-	5.19%	Up to 48 months
Details As Low As; Minimum credit score for applicant is 620. Add 1.0 basis points if lower score approved. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.23%
New Autos - 61-72 months	-	-	5.29%	72 Months
Details As Low As; Minimum credit score for applicant is 620. Add 1.0 basis points if lower score approved. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.23%
New Autos - 49-60 months	-	-	5.49%	60 Months
Details As Low As; Minimum credit score for applicant is 620. Add 1.0 basis points if lower score approved. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.23%
Used Autos - 2025-23 - 61-72 months	-	-	5.69%	72 Months
Details As Low As; Minimum credit score for applicant is 620. Add 1.0 basis points if lower score approved. Maximum mileage for used vehicles is 90,000. Add .50 basis if higher mileage approved. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.23%
Used Autos - 2025-23 - Up to 60 months	-	-	5.79%	Up to 60 months
Details As Low As; Minimum credit score for applicant is 620. Add 1.0 basis points if lower score approved. Maximum mileage for used vehicles is 90,000. Add .50 basis if higher mileage approved. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.23%
Used Autos - 2022-21 - Up to 66 months	-	-	6.09%	Up to 66 months
Details As Low As; Minimum credit score for applicant is 620. Add 1.0 basis points if lower score approved. Maximum mileage for used vehicles is 90,000. Add .50 basis if higher mileage approved. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.23%
New Autos - 61-72 months	-	-	6.29%	72 Months
Details As Low As; Minimum credit score for applicant is 620. Add 1.0 basis points if lower score approved. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.23%
New Autos - Up to 48 months	-	-	6.39%	Up to 48 months
Details As Low As; Minimum credit score for applicant is 620. Add 1.0 basis points if lower score approved. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.23%
Used Autos - 2020-19 - Up to 54 months	-	-	6.49%	Up to 54 months
Details As Low As; Minimum credit score for applicant is 620. Add 1.0 basis points if lower score approved. Maximum mileage for used vehicles is 90,000. Add .50 basis if higher mileage approved. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.23%
Used Autos - 2025-23 - 61-72 months	-	-	6.49%	72 Months
Details As Low As; Minimum credit score for applicant is 620. Add 1.0 basis points if lower score approved. Maximum mileage for used vehicles is 90,000. Add .50 basis if higher mileage approved. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.23%
New Autos - 49-60 months	-	-	6.79%	60 Months
Details As Low As; Minimum credit score for applicant is 620. Add 1.0 basis points if lower score approved. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.23%
Used Autos - 2025-23 - Up to 60 months	-	-	6.89%	Up to 60 months
Details As Low As; Minimum credit score for applicant is 620. Add 1.0 basis points if lower score approved. Maximum mileage for used vehicles is 90,000. Add .50 basis if higher mileage approved. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.23%
Used Autos - 2018-17 - Up to 48 months	-	-	6.99%	Up to 48 months
Details As Low As; Minimum credit score for applicant is 620. Add 1.0 basis points if lower score approved. Maximum mileage for used vehicles is 90,000. Add .50 basis if higher mileage approved. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.23%
Used Autos - 2022-21 - Up to 66 months	-	-	6.99%	Up to 66 months
Details As Low As; Minimum credit score for applicant is 620. Add 1.0 basis points if lower score approved. Maximum mileage for used vehicles is 90,000. Add .50 basis if higher mileage approved. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.23%
Used Autos - 2020-19 - Up to 54 months	-	-	7.19%	Up to 54 months
Details As Low As; Minimum credit score for applicant is 620. Add 1.0 basis points if lower score approved. Maximum mileage for used vehicles is 90,000. Add .50 basis if higher mileage approved. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.23%
New Autos - 61-72 months	-	-	7.29%	72 Months
Details As Low As; Minimum credit score for applicant is 620. Add 1.0 basis points if lower score approved. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.23%
New Autos - Up to 48 months	-	-	7.49%	Up to 48 months
Details As Low As; Minimum credit score for applicant is 620. Add 1.0 basis points if lower score approved. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.23%
Used Autos - 16 or older - Up to 36 months	-	-	7.49%	Up to 36 months
Details As Low As; Minimum credit score for applicant is 620. Add 1.0 basis points if lower score approved. Maximum mileage for used vehicles is 90,000. Add .50 basis if higher mileage approved. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.23%
Used Autos - 2018-17 - Up to 48 months	-	-	7.49%	Up to 48 months
Details As Low As; Minimum credit score for applicant is 620. Add 1.0 basis points if lower score approved. Maximum mileage for used vehicles is 90,000. Add .50 basis if higher mileage approved. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.23%
Used Autos - 2025-23 - 61-72 months	-	-	7.49%	72 Months
Details As Low As; Minimum credit score for applicant is 620. Add 1.0 basis points if lower score approved. Maximum mileage for used vehicles is 90,000. Add .50 basis if higher mileage approved. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.23%
New Autos - 49-60 months	-	-	7.89%	60 Months
Details As Low As; Minimum credit score for applicant is 620. Add 1.0 basis points if lower score approved. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.23%
Used Autos - 16 or older - Up to 36 months	-	-	7.99%	Up to 36 months
Details As Low As; Minimum credit score for applicant is 620. Add 1.0 basis points if lower score approved. Maximum mileage for used vehicles is 90,000. Add .50 basis if higher mileage approved. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.23%
Used Autos - 2022-21 - Up to 66 months	-	-	7.99%	Up to 66 months
Details As Low As; Minimum credit score for applicant is 620. Add 1.0 basis points if lower score approved. Maximum mileage for used vehicles is 90,000. Add .50 basis if higher mileage approved. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.23%
Used Autos - 2025-23 - Up to 60 months	-	-	7.99%	Up to 60 months
Details As Low As; Minimum credit score for applicant is 620. Add 1.0 basis points if lower score approved. Maximum mileage for used vehicles is 90,000. Add .50 basis if higher mileage approved. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.23%
Used Autos - 2020-19 - Up to 54 months	-	-	8.49%	Up to 54 months
Details As Low As; Minimum credit score for applicant is 620. Add 1.0 basis points if lower score approved. Maximum mileage for used vehicles is 90,000. Add .50 basis if higher mileage approved. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.23%
New Autos - 61-72 months	-	-	8.79%	72 Months
Details As Low As; Minimum credit score for applicant is 620. Add 1.0 basis points if lower score approved. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.23%
Used Autos - 2018-17 - Up to 48 months	-	-	8.79%	Up to 48 months
Details As Low As; Minimum credit score for applicant is 620. Add 1.0 basis points if lower score approved. Maximum mileage for used vehicles is 90,000. Add .50 basis if higher mileage approved. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.23%
Used Autos - 2025-23 - 61-72 months	-	-	8.89%	72 Months
Details As Low As; Minimum credit score for applicant is 620. Add 1.0 basis points if lower score approved. Maximum mileage for used vehicles is 90,000. Add .50 basis if higher mileage approved. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.23%
Used Autos - 2022-21 - Up to 66 months	-	-	9.29%	Up to 66 months
Details As Low As; Minimum credit score for applicant is 620. Add 1.0 basis points if lower score approved. Maximum mileage for used vehicles is 90,000. Add .50 basis if higher mileage approved. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.23%
Used Autos - 16 or older - Up to 36 months	-	-	9.39%	Up to 36 months
Details As Low As; Minimum credit score for applicant is 620. Add 1.0 basis points if lower score approved. Maximum mileage for used vehicles is 90,000. Add .50 basis if higher mileage approved. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.23%
Used Autos - 2020-19 - Up to 54 months	-	-	9.49%	Up to 54 months
Details As Low As; Minimum credit score for applicant is 620. Add 1.0 basis points if lower score approved. Maximum mileage for used vehicles is 90,000. Add .50 basis if higher mileage approved. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.23%
Used Autos - 2018-17 - Up to 48 months	-	-	9.99%	Up to 48 months
Details As Low As; Minimum credit score for applicant is 620. Add 1.0 basis points if lower score approved. Maximum mileage for used vehicles is 90,000. Add .50 basis if higher mileage approved. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.23%
Used Autos - 16 or older - Up to 36 months	-	-	10.49%	Up to 36 months
Details As Low As; Minimum credit score for applicant is 620. Add 1.0 basis points if lower score approved. Maximum mileage for used vehicles is 90,000. Add .50 basis if higher mileage approved. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.23%

Central Keystone Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
VISA Credit Card	-	9.90%
Details No annual fee Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.23%

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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Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Central Keystone 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 Central Keystone 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 Central Keystone Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Central Keystone Federal Credit Union

Website https://www.ckfcu.org

Address 1000 Market St, Sunbury, PA 17801 2403

Phone 570-286-5739

Fax 570-286-5738

President Robert Varano

CEO Kris Kauffman

Full-Time Employees 4

Part-Time Employees 3

Branch Locations 1

ATM Locations 1

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.23%

Return on Assets (ROA)

0.9483%

Return on Equity (ROE)

5.0928%

Non-Performing Loans Ratio (NPL)

0.98%

Total Assets

61,610,213

Total Amount of Shares and Deposits

49,899,512

Total Shares and Deposits < 1 Year

47,564,071

Total Shares and Deposits 1 3 Years

1,975,868

Total Shares and Deposits > 3 Years

359,572

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

3,352,612

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

3,352,612

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

46,546,900

Total Interest Expense (Sum of items 6 8)

726,740

Share Certificates

280

Number of Accounts for Share Drafts

2,084

IRA KEOGH Accounts

216

Number of Accounts for Regular Shares

3,415

Money Market Shares

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)

17,954,012

Total Liabilities

50,178,288

Source: NCUA — Last Updated 09/30/2025

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Frequently Asked Questions About Central Keystone Federal Credit Union

How many branches does Central Keystone Federal Credit Union operate?

Central Keystone 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 Central Keystone Federal Credit Union?

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

Does Central Keystone Federal Credit Union offer online and mobile banking?

Most modern institutions like Central Keystone 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.ckfcu.org.