What are the current interest rates at Penn State Federal Credit Union?

Current rates for Penn State Federal Credit Union include: 12-Month CD: 3.75%, 18-Month CD: 3.65%, 24-Month CD: 3.60%, 60-Month CD: 3.00%, Savings: 0.35%, MMA: 1.25%

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Penn State Federal Credit Union

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Penn State Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Penn State 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 13, 2026

Penn State Federal Credit Union's top rates as of October 13, 2026 are 3.75% APY on its Business Limited-Time Offer CD of Deposit Special - 12 Month CD, 0.35% APY on savings, 1.25% APY on money market accounts, 0.11% APY on checking, rv, boat and powersport loans from 4.50% APR, and credit cards from 8.90% APR, according to rates verified by MonitorBankRates. Other Penn State Federal Credit Union CD rates include IRA 12 Month CD at 3.75%, CDs - 12 Month CD at 3.75%, and Business Limited-Time Offer CD of Deposit Special - 18 Month CD at 3.65%. MonitorBankRates evaluates the financial stability of Penn State Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.13%. Rates last updated and verified on 10/13/2026.

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

Verified Healthy Q2 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

1.13%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Penn State Federal Credit Union
Penn State Federal Credit Union

123 Amberleigh Ln
Bellefonte, PA 16823

https://pennstatefederal.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.

Penn State Federal Credit Union CD Rates

Product	Rate	APY	Term
IRA 12 Month Certificate	-	3.75%	12 months
Min Deposit $500 Details IRA Accounts - Limited-Time Offer; Renew your Current CD at the Advertised Rate and get a 0.05% Loyalty Bonus Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%
Share Certificates - 12 Month Certificate	-	3.75%	12 months
Min Deposit $500 Details Limited-Time Offer Certificate of Deposit Special; Renew your Current CD at the Advertised Rate and get a 0.05% Loyalty Bonus Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%
IRA 18 Month Certificate	-	3.65%	18 months
Min Deposit $500 Details IRA Accounts - Limited-Time Offer; Renew your Current CD at the Advertised Rate and get a 0.05% Loyalty Bonus Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.65% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%
Share Certificates - 18 Month Certificate	-	3.65%	18 months
Min Deposit $500 Details Limited-Time Offer Certificate of Deposit Special; Renew your Current CD at the Advertised Rate and get a 0.05% Loyalty Bonus Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.65% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%
IRA 24 Month Certificate	-	3.60%	24 months
Min Deposit $500 Details IRA Accounts - Limited-Time Offer; Renew your Current CD at the Advertised Rate and get a 0.05% Loyalty Bonus Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.60% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%
IRA 9 Month Certificate	-	3.60%	9 months
Min Deposit $500 Details IRA Accounts - Limited-Time Offer; Renew your Current CD at the Advertised Rate and get a 0.05% Loyalty Bonus Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.60% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%
Share Certificates - 24 Month Certificate	-	3.60%	24 months
Min Deposit $500 Details Limited-Time Offer Certificate of Deposit Special; Renew your Current CD at the Advertised Rate and get a 0.05% Loyalty Bonus Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.60% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%
Share Certificates - 9 Month Certificate	-	3.60%	9 months
Min Deposit $500 Details Limited-Time Offer Certificate of Deposit Special; Renew your Current CD at the Advertised Rate and get a 0.05% Loyalty Bonus Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.60% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%
IRA 6 Month Certificate	-	3.55%	6 months
Min Deposit $500 Details IRA Accounts - Limited-Time Offer; Renew your Current CD at the Advertised Rate and get a 0.05% Loyalty Bonus Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.55% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%
Share Certificates - 6 Month Certificate	-	3.55%	6 months
Min Deposit $500 Details Limited-Time Offer Certificate of Deposit Special; Renew your Current CD at the Advertised Rate and get a 0.05% Loyalty Bonus Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.55% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%
IRA 36 Month Certificate	-	3.00%	36 months
Min Deposit $500 Details IRA Accounts - Limited-Time Offer; Renew your Current CD at the Advertised Rate and get a 0.05% Loyalty Bonus Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%
IRA 48 Month Certificate	-	3.00%	48 months
Min Deposit $500 Details IRA Accounts - Limited-Time Offer; Renew your Current CD at the Advertised Rate and get a 0.05% Loyalty Bonus Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%
IRA 60 Month Certificate	-	3.00%	60 months
Min Deposit $500 Details IRA Accounts - Limited-Time Offer; Renew your Current CD at the Advertised Rate and get a 0.05% Loyalty Bonus Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%
Share Certificates - 36 Month Certificate	-	3.00%	36 months
Min Deposit $500 Details Limited-Time Offer Certificate of Deposit Special; Renew your Current CD at the Advertised Rate and get a 0.05% Loyalty Bonus Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%
Share Certificates - 48 Month Certificate	-	3.00%	48 months
Min Deposit $500 Details Limited-Time Offer Certificate of Deposit Special; Renew your Current CD at the Advertised Rate and get a 0.05% Loyalty Bonus Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%
Share Certificates - 60 Month Certificate	-	3.00%	60 months
Min Deposit $500 Details Limited-Time Offer Certificate of Deposit Special; Renew your Current CD at the Advertised Rate and get a 0.05% Loyalty Bonus Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%

Penn State Federal Credit Union Business CD Rates

Product	Rate	APY	Term
Business Limited-Time Offer Certificate of Deposit Special - 12 Month Certificate	-	3.75%	12 months
Min Deposit $500 Details Renew your Current CD at the Advertised Rate and get a 0.05% Loyalty Bonus Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%
Business Limited-Time Offer Certificate of Deposit Special - 18 Month Certificate	-	3.65%	18 months
Min Deposit $500 Details Renew your Current CD at the Advertised Rate and get a 0.05% Loyalty Bonus Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.65% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%
Business Limited-Time Offer Certificate of Deposit Special - 24 Month Certificate	-	3.60%	24 months
Min Deposit $500 Details Renew your Current CD at the Advertised Rate and get a 0.05% Loyalty Bonus Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.60% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%
Business Limited-Time Offer Certificate of Deposit Special - 9 Month Certificate	-	3.60%	9 months
Min Deposit $500 Details Renew your Current CD at the Advertised Rate and get a 0.05% Loyalty Bonus Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.60% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%
Business Limited-Time Offer Certificate of Deposit Special - 6 Month Certificate	-	3.55%	6 months
Min Deposit $500 Details Renew your Current CD at the Advertised Rate and get a 0.05% Loyalty Bonus Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.55% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%
Business Limited-Time Offer Certificate of Deposit Special - 36 Month Certificate	-	3.00%	36 months
Min Deposit $500 Details Renew your Current CD at the Advertised Rate and get a 0.05% Loyalty Bonus Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%
Business Limited-Time Offer Certificate of Deposit Special - 48 Month Certificate	-	3.00%	48 months
Min Deposit $500 Details Renew your Current CD at the Advertised Rate and get a 0.05% Loyalty Bonus Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%
Business Limited-Time Offer Certificate of Deposit Special - 60 Month Certificate	-	3.00%	60 months
Min Deposit $500 Details Renew your Current CD at the Advertised Rate and get a 0.05% Loyalty Bonus Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%

Penn State Federal Credit Union Savings Rates

Product	Rate	APY
Basic Share Savings	-	0.35%
Min Deposit $5 Min Balance $100 Details Effective June 25, 2026 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%
Holiday Club	-	0.35%
Min Deposit $0 Min Balance $100 Details Effective June 25, 2026 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%
Kid's Club	-	0.35%
Min Deposit $5 Min Balance $5 Details Effective June 25, 2026 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%
Teen Club	-	0.35%
Min Deposit $5 Min Balance $5 Details Effective June 25, 2026 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%
Term IRA Accounts - IRA Accumulative Savings	-	0.35%
Min Deposit $25 Details Limited-Time Offer; renew current CD at advertised rate and get 0.05% Loyalty Bonus Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.35% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%

Penn State Federal Credit Union Business Savings Rates

Product	Rate	APY	View More
Basic Business Share Savings	-	0.35%
Min Deposit $5 Min Balance $100 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%

Penn State Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market Accounts	-	1.25%
Min Deposit $1,500 Min Balance $100,000 Details Balance: $100,000 or greater; Minimum to Obtain APY: $0 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%
Money Market Accounts	-	0.95%
Min Deposit $1,500 Min Balance $50,000 Details Balance: $50,000 to $99,999.99; Minimum to Obtain APY: $0 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.95% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%
Money Market Accounts	-	0.70%
Min Deposit $1,500 Min Balance $25,000 Details Balance: $25,000 to $49,999.99; Minimum to Obtain APY: $0 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.70% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%
Money Market Accounts	-	0.60%
Min Deposit $1,500 Min Balance $10,000 Details Balance: $10,000 to $24,999.99; Minimum to Obtain APY: $0 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.60% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%
Money Market Accounts	-	0.50%
Min Deposit $1,500 Min Balance $2,500 Details Balance: $2,500 to $9,999.99; Minimum to Obtain APY: $0 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%
Money Market Accounts	-	0.35%
Min Deposit $1,500 Min Balance $0 Details Balance: $2,499.99 or below; Minimum to Obtain APY: $0 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%

Penn State Federal Credit Union Checking Rates

Product	Rate	APY	View More
Premier Checking	-	0.11%
Min Deposit $2,000 Min Balance $2,000 Details Effective June 25, 2026 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.11% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%

Penn State Federal Credit Union Business Checking Rates

Product	Rate	APY
Business Non-Profit Organizational Checking	-	0.11%
Min Deposit $2,000 Min Balance $2,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.11% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%
Deluxe Business Checking	-	0.11%
Details Balance: $25,000 or greater Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.11% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%
Deluxe Business Checking	-	0.10%
Details Balance: $15,000 to $24,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%
Deluxe Business Checking	-	0.09%
Min Deposit $5,000 Min Balance $5,000 Details Balance: $5,000 to $14,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.09% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%

Penn State Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
1st Lien Home Equity Loans	5.625%	-	5.625%	Up to 60 months
Details As Low As; Rate varies by number of years financed and credit score Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 5.63% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%
Home Equity Loan	5.625%	-	5.625%	60 months
Details 1st Lien Home Equity Loan; Table: Standard Rates; APR* Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 5.63% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%
1st Lien Home Equity Loans	5.75%	-	5.75%	61-84 months
Details As Low As; Rate varies by number of years financed and credit score Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%
Home Equity Loan	5.75%	-	5.75%	84 months
Details 1st Lien Home Equity Loan; Table: Standard Rates; APR* Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%
Home Equity Loan	5.75%	-	5.75%	120 months
Details 1st Lien Home Equity Loan; Table: Standard Rates; APR* Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%
1st Lien Home Equity Loans	5.875%	-	5.875%	85-120 months
Details As Low As; Rate varies by number of years financed and credit score Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.88% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%
Home Equity Loan	5.99%	-	5.99%	180 months
Details 1st Lien Home Equity Loan; Table: Standard Rates; APR* Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%
Home Equity Line of Credit	6.50%	-	6.50%	180 months
Details Interest rate adjustable based on WSJ Prime Rate minus .50%; minimum rate floor 3.50% APR, maximum 18.00% APR; no origination fee (limited-time); no annual maintenance fee; minimum loan amount $5,000 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 6.25% → 6.50% ▲ 0.25 pts · high 6.50% / low 6.25% Sep 17, 20266.50%▲ from 6.25% Sep 14, 20266.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%

Penn State Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Vehicles and Motorcycles (New 2025, 2026) <10,000 miles Loan	-	-	4.50%	Up to 36 months
Details As Low As; Valid on New 2025 and 2026 vehicle and motorcycle loans less than 10,000 miles Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 4.50% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%
New Vehicles and Motorcycles (New 2025, 2026) <10,000 miles Loan	-	-	4.75%	37-48 months
Details As Low As; Valid on New 2025 and 2026 vehicle and motorcycle loans less than 10,000 miles Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 4.75% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%
New Vehicles and Motorcycles (New 2025, 2026) <10,000 miles Loan	-	-	4.99%	49-60 months
Details As Low As; Valid on New 2025 and 2026 vehicle and motorcycle loans less than 10,000 miles Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 4.99% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%
Used Vehicles and Motorcycles (2019 to 2025) Loan	-	-	5.25%	Up to 36 months
Details As Low As; Valid on Used 2019 to 2025 vehicle and motorcycle loans; APR assumes excellent creditworthiness Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 5.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%
New Vehicles and Motorcycles (New 2025, 2026) <10,000 miles Loan	-	-	5.49%	61-72 months
Details As Low As; Valid on New 2025 and 2026 vehicle and motorcycle loans less than 10,000 miles Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 5.49% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%
Used Vehicles and Motorcycles (2019 to 2025) Loan	-	-	5.74%	37-48 months
Details As Low As; Valid on Used 2019 to 2025 vehicle and motorcycle loans; APR assumes excellent creditworthiness Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 5.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%
New Vehicles and Motorcycles (New 2025, 2026) <10,000 miles Loan	-	-	5.99%	73-84 months
Details As Low As; Valid on New 2025 and 2026 vehicle and motorcycle loans less than 10,000 miles Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 5.99% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%
Used Vehicles and Motorcycles (2019 to 2025) Loan	-	-	5.99%	49-60 months
Details As Low As; Valid on Used 2019 to 2025 vehicle and motorcycle loans; APR assumes excellent creditworthiness Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 5.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%
Used Vehicles and Motorcycles (2019 to 2025) Loan	-	-	6.25%	61-72 months
Details As Low As; Valid on Used 2019 to 2025 vehicle and motorcycle loans; APR assumes excellent creditworthiness Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 6.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%
Used Vehicles and Motorcycles (2018 and older) - Up to 24 months Loan	-	-	6.50%	Up to 24 months
Details Rates as low as; APR assumes excellent creditworthiness; Valid on Used 2018 and older vehicle and motorcycle loans; Minimum APR 6.500%, Maximum APR 17.000% Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%
Used Vehicles and Motorcycles (2018 and older) - 25-36 months Loan	-	-	7.00%	25-36 months
Details Rates as low as; APR assumes excellent creditworthiness; Valid on Used 2018 and older vehicle and motorcycle loans; Minimum APR 6.500%, Maximum APR 17.000% Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%
Used Vehicles and Motorcycles (2018 and older) - 37-60 months Loan	-	-	7.50%	37-60 months
Details Rates as low as; APR assumes excellent creditworthiness; Valid on Used 2018 and older vehicle and motorcycle loans; Minimum APR 6.500%, Maximum APR 17.000% Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%

Penn State Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New Pull-Along Campers and Motorhomes - Up to 60 months Loan	-	5.50%	Up to 60 months
Details Rates as low as; Valid on New Pull-Along Camper and Motorhome loans; Maximum APR is 16.490%; Minimum APR is 5.500% Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%
Used Pull-Along Campers and Motorhomes Loan	-	5.75%	Up to 36 months
Details As Low As; Valid on Used Pull-Along Camper and Motorhome loans; Minimum APR 5.750%, maximum APR 16.625% Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 5.75% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%
New Pull-Along Campers and Motorhomes - 61-72 months Loan	-	6.50%	61-72 months
Details Rates as low as; Valid on New Pull-Along Camper and Motorhome loans; Maximum APR is 16.490%; Minimum APR is 5.500% Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%
Used Pull-Along Campers and Motorhomes Loan	-	6.50%	37-48 months
Details As Low As; Valid on Used Pull-Along Camper and Motorhome loans; Minimum APR 5.750%, maximum APR 16.625% Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 6.50% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%
Used Pull-Along Campers and Motorhomes Loan	-	6.625%	49-60 months
Details As Low As; Valid on Used Pull-Along Camper and Motorhome loans; Minimum APR 5.750%, maximum APR 16.625% Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 6.63% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%
New Pull-Along Campers and Motorhomes - 73-84 months Loan	-	6.75%	73-84 months
Details Rates as low as; Valid on New Pull-Along Camper and Motorhome loans; Maximum APR is 16.490%; Minimum APR is 5.500% Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%
New Powersports (ATVs/Boats/Side by Sides/Dirt Bikes/Jet Skis/Snowmobiles) Loan	-	6.99%	Up to 60 months
Details As Low As; Minimum APR 6.990%, maximum APR 16.490% Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 6.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%
New Pull-Along Campers and Motorhomes - 85-120 months Loan	-	6.99%	85-120 months
Details Rates as low as; Valid on New Pull-Along Camper and Motorhome loans; Maximum APR is 16.490%; Minimum APR is 5.500% Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%
Used Pull-Along Campers and Motorhomes Loan	-	7.125%	61-72 months
Details As Low As; Valid on Used Pull-Along Camper and Motorhome loans; Minimum APR 5.750%, maximum APR 16.625% Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 7.13% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%
Used Powersports (ATVs/Boats/Side by Sides/Dirt Bikes/Jet Skis/Snowmobiles) Loan	-	8.99%	Up to 60 months
Details As Low As; Minimum APR 8.990%, maximum APR 18.000% Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 8.99% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%

Penn State Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
Platinum Rewards Credit Card	-	8.90%
Details As Low As; Visa Credit Cards; Cash back rewards Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 8.90% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%

Penn State Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Access Line of Credit	9.50%	-	9.50%	Based on 60 months
Details Interest rate is variable based on the Wall Street Journal Prime Rate plus 2.50%, maximum rate 18.00%; minimum APR no lower than the margin established when the line of credit was opened Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 9.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%
Installment Loan	-	-	8.99%	Up to 36 months
Details As Low As; Term - Installment Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 8.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%
Installment Loan	-	-	9.99%	37-60 Months
Details As Low As; Term - Installment Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 9.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%
Pull Along Utility Trailers Loan	-	-	9.99%	Up to 60 months
Details As Low As Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 9.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%
Special Accounts	-	-	0.35%
Min Deposit $0 Min Balance $100 Details Effective June 25, 2026 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%

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

Penn State Federal Credit Union’s Texas Ratio fell from 2.60% in Q3 2023 to 1.13% in Q2 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 — this credit union’s entire history sits far below the 15% threshold 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 Grade

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	$274M	1.13%	5.0	A+
March 31, 2026	$270M	0.83%	5.0	A+
December 31, 2025	$259M	0.93%	5.0	A+
September 30, 2025	$255M	1.03%	5.0	A+
June 30, 2025	$253M	0.93%	5.0	A+
March 31, 2025	$253M	1.88%	5.0	A+
December 31, 2024	$251M	2.25%	5.0	A+
September 30, 2024	$250M	2.36%	5.0	A+
June 30, 2024	$264M	1.87%	5.0	A+
March 31, 2024	$263M	2.11%	5.0	A+
December 31, 2023	$238M	1.99%	5.0	A+
September 30, 2023	$232M	2.60%	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 Penn State 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 Penn State 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 Penn State Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Penn State Federal Credit Union

Website https://pennstatefederal.com

Address 123 Amberleigh Ln, Bellefonte, PA 16823

Phone 814-355-2711

Fax 814-863-6183

President Bobby White

CEO Frederick Tabor

Full-Time Employees 42

Part-Time Employees 0

Branch Locations 2

ATM Locations 2

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

1.13%

Return on Assets (ROA)

0.9279%

Return on Equity (ROE)

6.7983%

Non-Performing Loans Ratio (NPL)

0.33%

Total Assets

274,444,647

Total Amount of Shares and Deposits

238,384,168

Total Shares and Deposits < 1 Year

236,834,777

Total Shares and Deposits 1 3 Years

1,069,329

Total Shares and Deposits > 3 Years

480,062

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

11,608,775

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

11,608,775

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

226,775,393

Total Interest Expense (Sum of items 6 8)

932,721

Share Certificates

1,551

Number of Accounts for Share Drafts

10,037

IRA KEOGH Accounts

314

Number of Accounts for Regular Shares

18,163

Money Market Shares

419

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)

46,231,764

Total Liabilities

241,267,295

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

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

Customer Reviews

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Frequently Asked Questions About Penn State Federal Credit Union

How many branches does Penn State Federal Credit Union operate?

Penn State 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 Penn State Federal Credit Union?

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

Does Penn State Federal Credit Union offer online and mobile banking?

Most modern institutions like Penn State 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://pennstatefederal.com.

Current Penn State Federal Credit Union Rates

12-Month CD3.75%
18-Month CD3.65%
24-Month CD3.60%
60-Month CD3.00%
Savings0.35%
MMA1.25%

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

Compare to Other Credit Unions

Penn State Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Penn State Federal Credit Union Texas Ratio

Penn State Federal Credit Union Health Trend

Penn State Federal Credit Union CD Rates

Penn State Federal Credit Union Business CD Rates

Penn State Federal Credit Union Savings Rates

Penn State Federal Credit Union Business Savings Rates

Penn State Federal Credit Union Money Market Rates

Penn State Federal Credit Union Checking Rates

Penn State Federal Credit Union Business Checking Rates

Penn State Federal Credit Union Home Equity & HELOC

Penn State Federal Credit Union Auto Loan Rates

Penn State Federal Credit Union RV, Boat and Powersport Loan Rates

Penn State Federal Credit Union Credit Card Rates

Penn State Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Penn State Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Penn State Federal Credit Union

How many branches does Penn State Federal Credit Union operate?

Is a member application needed to join Penn State Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Penn State Federal Credit Union offer online and mobile banking?

Current Penn State Federal Credit Union Rates

Compare to Other Credit Unions