What are the current interest rates at Elliott Community Federal Credit Union?

Current rates for Elliott Community Federal Credit Union include: 12-Month CD: 2.50%, 24-Month CD: 2.25%, Savings: 0.02%

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Elliott Community Federal Credit Union

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Elliott Community Federal Credit Union Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Elliott Community 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 31, 2026

Elliott Community Federal Credit Union's 1 Year Roth/Traditional IRA rates are at 2.50%, 1 Year CD rates are at 2.50%, 6 Month CD rates are at 2.50%, 2 Year Roth/Traditional IRA rates are at 2.25%, 2 Year CD rates are at 2.25%. Elliott Community Federal Credit Union's savings rates are at 0.02%. Elliott Community Federal Credit Union's Personal Loan Rates are at 9.75%. MonitorBankRates evaluates the financial stability of Elliott Community Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.57%. Rates last updated and verified on 08/31/2026.

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

Verified Healthy 2026 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

1.57%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Elliott Community Federal Credit Union
Elliott Federal Credit Union

920 N 4th St
Jeannette, PA 15644

https://elliottfcu.com

Elliott Community Federal Credit Union CD Rates

Product	Rate	APY	Term
1 Year Roth/Traditional IRA	-	2.50%	1 Year
No additional details. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.57%
1 Year Share Certificate	-	2.50%	1 Year
No additional details. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.57%
6 Month Share Certificate	-	2.50%	6 Month
No additional details. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.57%
2 Year Roth/Traditional IRA	-	2.25%	2 Year
No additional details. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.57%
2 Year Share Certificate	-	2.25%	2 Year
No additional details. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.57%
3 Year Roth/Traditional IRA	-	2.25%	3 Year
No additional details. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.57%
3 Year Share Certificate	-	2.25%	3 Year
No additional details. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.57%

Elliott Community Federal Credit Union Savings Rates

Product	Rate	APY
Christmas Club	-	0.02%
No additional details. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.57%
Special Savings Account	-	0.02%
No additional details. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.57%
Vacation Club	-	0.02%
No additional details. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.57%

Elliott Community Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Vehicle Loan	-	-	4.50%	24 months (2 years)
Details As Low As; All rates are subject to change without notice and based on credit history. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.57%
Used Vehicle Loan	-	-	5.00%	24 months
Details Rates as low as Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.57%
Antique/Classic Vehicle Loan	-	-	5.50%	36 months (3 years)
Details Rates as low as Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.57%

Elliott Community Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
Visa Credit Cards	-	9.90%
Details Transfer an Existing Balance and Save; No Annual Fee; Can be used for Cash Advances; Free Price Guarantee; Travel Accident, Extended Warranty, Buyers Protection, and Baggage Delay Insurance Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.57%

Elliott Community Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Signature Loan	9.75%	30 Months
Details Rates as low as Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.57%

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

Elliott Community Federal Credit Union’s Texas Ratio fell from 3.26% in Q2 2023 to 1.57% in Q1 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the amber line marks the 15% level a credit union must stay under 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 threshold

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
March 31, 2026	$54M	1.57%	5.0	A+
December 31, 2025	$52M	3.14%	5.0	A+
September 30, 2025	$53M	1.49%	5.0	A+
June 30, 2025	$54M	1.89%	5.0	A+
March 31, 2025	$54M	1.66%	5.0	A+
December 31, 2024	$52M	1.79%	5.0	A+
September 30, 2024	$51M	4.68%	5.0	A+
June 30, 2024	$51M	3.75%	5.0	A+
March 31, 2024	$52M	3.13%	5.0	A+
December 31, 2023	$51M	3.36%	5.0	A+
September 30, 2023	$51M	3.45%	5.0	A+
June 30, 2023	$52M	3.26%	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 Elliott Community 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 Elliott Community 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 Elliott Community Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Elliott Community Federal Credit Union

Website https://elliottfcu.com

Address 920 N 4th St, Jeannette, PA 15644

Phone 724-527-2822

Fax 724-527-2063

President Dallas Leonard

CEO James Benson

Full-Time Employees 20

Part-Time Employees 6

Branch Locations 5

ATM Locations 3

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

1.57%

Return on Assets (ROA)

0.1804%

Return on Equity (ROE)

1.2243%

Non-Performing Loans Ratio (NPL)

0.39%

Total Assets

54,307,084

Total Amount of Shares and Deposits

46,287,345

Total Shares and Deposits < 1 Year

45,487,816

Total Shares and Deposits 1 3 Years

799,528

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

46,287,345

Total Interest Expense (Sum of items 6 8)

39,307

Share Certificates

199

Number of Accounts for Share Drafts

2,565

IRA KEOGH Accounts

Number of Accounts for Regular Shares

7,856

Money Market Shares

254

Net Income (unless the amount is already included in Undivided Earnings)

107,571

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)

5,854,134

Total Liabilities

46,304,175

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Elliott Community Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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

Customer Reviews

There are no reviews for Elliott Community Federal Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

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Frequently Asked Questions About Elliott Community Federal Credit Union

How many branches does Elliott Community Federal Credit Union operate?

Elliott Community 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 Elliott Community Federal Credit Union?

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

Does Elliott Community Federal Credit Union offer online and mobile banking?

Most modern institutions like Elliott Community 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://elliottfcu.com.