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PFD Firefighters Credit Union Inc

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PFD Firefighters Credit Union Inc Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, PFD Firefighters Credit Union Inc 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: September 10, 2026

PFD Firefighters Credit Union Inc rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month share certificate rates are currently at 2.77%, 6-month share certificate rates at 2.65% and 3-month share certificate rates at 2.52%. Savings rates are at 0.84% and money market rates are at 1.15%. Mortgage rates on 30-year fixed loans are around 6.75%. These rates come from our rate database, not PFD Firefighters Credit Union Inc, and you can see how they compare in the PFD Firefighters Credit Union Inc rate tables below. MonitorBankRates evaluates the financial stability of PFD Firefighters Credit Union Inc with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.55%. Database rates last updated and verified on 09/10/2026.

PFD Firefighters Credit Union Inc 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 PFD Firefighters Credit Union Inc? Share your experience about PFD Firefighters Credit Union Inc by leaving a review below, or read customer reviews before you decide to use PFD Firefighters Credit Union Inc.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.55%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

PFD Firefighters Credit Union Inc
PFD Firefighters Credit Union, Inc

3209 Cedar Ln
Portsmouth, VA 23703-4101

https://www.pfdcu.com

Current Rate Availability

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Financial Health History

PFD Firefighters Credit Union Inc’s Texas Ratio fell from 5.08% in Q2 2023 to 3.55% 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	$34M	3.55%	5.0	A+
December 31, 2025	$33M	2.70%	5.0	A+
September 30, 2025	$33M	4.09%	5.0	A+
June 30, 2025	$33M	3.84%	5.0	A+
March 31, 2025	$33M	4.01%	5.0	A+
December 31, 2024	$32M	2.50%	5.0	A+
September 30, 2024	$32M	0.92%	5.0	A+
June 30, 2024	$32M	1.12%	5.0	A+
March 31, 2024	$34M	2.14%	5.0	A+
December 31, 2023	$34M	0.47%	5.0	A+
September 30, 2023	$34M	0.00%	5.0	A+
June 30, 2023	$34M	5.08%	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 PFD Firefighters Credit Union Inc 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 PFD Firefighters Credit Union Inc 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 PFD Firefighters Credit Union Inc's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name PFD Firefighters Credit Union Inc

Website https://www.pfdcu.com

Address 3209 Cedar Ln, Portsmouth, VA 23703-4101

Phone 757-686-3051

Fax 757-686-5817

President Grover Holloman

CEO Susan Easter

Full-Time Employees 6

Part-Time Employees 4

Branch Locations 1

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+ (98/100)

Texas Ratio

3.55%

Return on Assets (ROA)

0.1402%

Return on Equity (ROE)

0.9320%

Non-Performing Loans Ratio (NPL)

0.67%

Total Assets

33,765,296

Total Amount of Shares and Deposits

28,599,036

Total Shares and Deposits < 1 Year

17,334,251

Total Shares and Deposits 1 3 Years

10,950,135

Total Shares and Deposits > 3 Years

314,650

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

28,599,036

Total Interest Expense (Sum of items 6 8)

145,806

Share Certificates

399

Number of Accounts for Share Drafts

860

IRA KEOGH Accounts

Number of Accounts for Regular Shares

2,637

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)

4,472,010

Total Liabilities

28,686,173

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

PFD Firefighters Credit Union Inc 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.

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Customer Reviews

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Total Reviews

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Frequently Asked Questions About PFD Firefighters Credit Union Inc

How many branches does PFD Firefighters Credit Union Inc operate?

PFD Firefighters Credit Union Inc 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 PFD Firefighters Credit Union Inc?

Yes, to access services at PFD Firefighters Credit Union Inc, 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, PFD Firefighters Credit Union Inc 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, PFD Firefighters Credit Union Inc provides members with tools to manage their accounts and build a solid financial history.

Does PFD Firefighters Credit Union Inc offer online and mobile banking?

Most modern institutions like PFD Firefighters Credit Union Inc 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.pfdcu.com.