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UFCW Local #72 Federal Credit Union

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UFCW Local #72 Federal Credit Union Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, UFCW Local #72 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: September 10, 2026

UFCW Local #72 Federal Credit Union's Personal Loan Rates are at 6.90%. MonitorBankRates evaluates the financial stability of UFCW Local #72 Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.06%. Rates last updated and verified on 09/10/2026.

UFCW Local #72 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 UFCW Local #72 Federal Credit Union? Share your experience about UFCW Local #72 Federal Credit Union by leaving a review below, or read customer reviews before you decide to use UFCW Local #72 Federal Credit Union.

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

4.06%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

UFCW Local #72 Federal Credit Union
Main Office

800 Wyoming Ave
Wyoming, PA 18644

https://www.ufcwlocal72fcu.com

UFCW Local #72 Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
HOME EQUITY LOANS	4.75%	-	4.99%	60 Months
No additional details. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%
HOME EQUITY LOANS	4.99%	-	5.25%	72 Months
No additional details. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%
HOME EQUITY LOANS	5.50%	-	5.75%	84-108 Months
No additional details. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%
HOME EQUITY LOANS	5.75%	-	5.99%	120 Months
No additional details. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%
HOME EQUITY LOANS	5.99%	-	6.25%	132-144 Months
No additional details. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%
HOME EQUITY LOANS	6.50%	-	6.75%	156-180 Months
No additional details. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%

UFCW Local #72 Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
VEHICLE LOANS	-	-	4.75%	24 Months & Under
No additional details. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%
VEHICLE LOANS	-	-	5.00%	36 Months
No additional details. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%
VEHICLE LOANS	-	-	5.25%	48 Months
No additional details. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%
VEHICLE LOANS	-	-	5.50%	60 Months
No additional details. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%
VEHICLE LOANS	-	-	5.75%	72 Months
No additional details. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%
Vehicle Loans	-	-	6.25%	60 Months
Details Term: 60 Months (2022 only) Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%
Vehicle Loans	-	-	6.50%	36 Months
No additional details. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%
Vehicle Loans	-	-	6.99%	24 Months & Under
Details 2026, 2025 (with mileage under 20,000) Maximum loan: Credit score under 650: 95% of vehicle selling price before manufacturer rebates (new) or 95% of NADA retail value (used) Credit score 650-699: 100% of vehicle selling price before manufacturer rebates (new) or 95% of NADA retail value (used) Credit score 700+: 100% of total out-the-door price (new) or 100% of NADA retail value (used) 2025 (mileage above 20,000), 2024, 2023 Maximum loan: Credit score under 700: 95% of NADA retail value Credit score 700+: 100% of NADA retail value * Vehicles with mileage over 60,000 will have 2 points added to these rates. 2022, 2021, 2020 Maximum loan of 90% NADA retail value. * Mileage of 75,000-100,000 will have 1 point added to these rates. Mileage of 100,001-125,000 will have 2 points added to these rates. Vehicles will not be accepted with mileage over 125,000. 2019, 2018, 2017 Vehicle must have book value of at least $7,000 to qualify. Maximum loan of 85% NADA retail value. * Mileage of 100,001-125,000 will have 1 point added to these rates. Vehicles will not be accepted with mileage over 125,000. 2016, 2015 Vehicle must have book value of at least $6,000 and 30 day warranty or guarantee to qualify. Mileage must not exceed 125,000. Maximum loan of 85% NADA retail value. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%
Vehicle Loans	-	-	7.50%	48 Months
Details Term: 48 Months (2019 only) Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%
Vehicle Loans	-	-	7.99%	36 Months
Details 2026, 2025 (with mileage under 20,000) Maximum loan: Credit score under 650: 95% of vehicle selling price before manufacturer rebates (new) or 95% of NADA retail value (used) Credit score 650-699: 100% of vehicle selling price before manufacturer rebates (new) or 95% of NADA retail value (used) Credit score 700+: 100% of total out-the-door price (new) or 100% of NADA retail value (used) 2025 (mileage above 20,000), 2024, 2023 Maximum loan: Credit score under 700: 95% of NADA retail value Credit score 700+: 100% of NADA retail value * Vehicles with mileage over 60,000 will have 2 points added to these rates. 2022, 2021, 2020 Maximum loan of 90% NADA retail value. * Mileage of 75,000-100,000 will have 1 point added to these rates. Mileage of 100,001-125,000 will have 2 points added to these rates. Vehicles will not be accepted with mileage over 125,000. 2019, 2018, 2017 Vehicle must have book value of at least $7,000 to qualify. Maximum loan of 85% NADA retail value. * Mileage of 100,001-125,000 will have 1 point added to these rates. Vehicles will not be accepted with mileage over 125,000. 2016, 2015 Vehicle must have book value of at least $6,000 and 30 day warranty or guarantee to qualify. Mileage must not exceed 125,000. Maximum loan of 85% NADA retail value. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%

UFCW Local #72 Federal Credit Union Personal Loan Rates

Product	APR	Term
SIGNATURE LOANS	6.90%	12 months
No additional details. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%
SIGNATURE LOANS	7.90%	24 months
No additional details. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%
Signature Loans	8.50%
Details Dollar limits are based on income and credit score. All loans under $2,000 have a rate of 8.5%. Signature loans are available after 60 days of membership. There is no waiting period with a credit score of 700 or higher. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%
SIGNATURE LOANS	8.90%	36 months
No additional details. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%
SIGNATURE LOANS	9.90%	48 months
No additional details. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%
SIGNATURE LOANS	10.50%	60 months
No additional details. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%

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

UFCW Local #72 Federal Credit Union’s Texas Ratio rose from 1.63% in Q2 2023 to 4.06% in Q1 2026, so its financial health has stayed 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	$48M	4.06%	5.0	A+
December 31, 2025	$47M	2.95%	5.0	A+
September 30, 2025	$46M	2.05%	5.0	A+
June 30, 2025	$46M	3.04%	5.0	A+
March 31, 2025	$45M	2.45%	5.0	A+
December 31, 2024	$43M	1.64%	5.0	A+
September 30, 2024	$43M	2.43%	5.0	A+
June 30, 2024	$43M	2.21%	5.0	A+
March 31, 2024	$42M	1.25%	5.0	A+
December 31, 2023	$43M	1.63%	5.0	A+
September 30, 2023	$43M	0.84%	5.0	A+
June 30, 2023	$32M	1.63%	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 UFCW Local #72 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 UFCW Local #72 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 UFCW Local #72 Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name UFCW Local #72 Federal Credit Union

Website https://www.ufcwlocal72fcu.com

Address 800 Wyoming Ave, Wyoming, PA 18644

Phone 570-693-4072

Fax 570-693-3489

President Joseph Bruno

CEO Wendy Stout

Full-Time Employees 2

Part-Time Employees 3

Branch Locations 4

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+ (98/100)

Texas Ratio

4.06%

Return on Assets (ROA)

0.1092%

Return on Equity (ROE)

1.0465%

Non-Performing Loans Ratio (NPL)

3.08%

Total Assets

48,109,696

Total Amount of Shares and Deposits

43,334,578

Total Shares and Deposits < 1 Year

43,334,578

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

2,797,515

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

2,797,515

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

40,537,063

Total Interest Expense (Sum of items 6 8)

308,699

Number of Accounts for Share Drafts

490

IRA KEOGH Accounts

Number of Accounts for Regular Shares

2,188

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)

11,790,782

Total Liabilities

43,359,209

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

UFCW Local #72 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.

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Customer Reviews

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☆☆☆☆☆

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Frequently Asked Questions About UFCW Local #72 Federal Credit Union

How many branches does UFCW Local #72 Federal Credit Union operate?

UFCW Local #72 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 UFCW Local #72 Federal Credit Union?

Yes, to access services at UFCW Local #72 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, UFCW Local #72 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, UFCW Local #72 Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does UFCW Local #72 Federal Credit Union offer online and mobile banking?

Most modern institutions like UFCW Local #72 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.ufcwlocal72fcu.com.