Palco FCU
Verified rate book
Current Palco FCU rates
56 published offers verified as of August 4, 2026.
Auto & vehicle rates
4 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| 48-Month Auto Loanauto_any_48mo | 4.490% APR | 4.490% | 48 mo | Standard |
| 60-Month Auto Loanauto_any_60mo | 4.990% APR | 4.990% | 60 mo | Standard |
| 72-Month Auto Loanauto_any_72mo | 5.390% APR | 5.390% | 72 mo | Standard |
| 84-Month Auto Loanauto_any_84mo | 5.490% APR | 5.490% | 84 mo | Standard |
HELOC rates
3 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Home Equity Loan (Fixed)heloc_fixed | 4.990% APR | 4.990% | — | Standard |
| $200,000; Max LTV: 80%heloc | 5.500% APR | 5.500% | — | Standard |
| HELOC (Variable)heloc_variable | 5.500% APR | 5.500% | — | Standard |
Personal loan rates
6 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Certificate-Secured Loanpersonal_secured | 2.000% APR | 2.000% | — | Standard |
| Share-Secured Loanpersonal_secured | 4.000% APR | 4.000% | — | Standard |
| Personal Line of Creditploc_variable | 8.000% APR | 8.000% | — | Standard |
| Vacation Helper Loanpersonal | 8.990% APR | 8.990% | — | Standard |
| Up to 60-Month Unsecured Personal Loanpersonal_unsecured_60mo | 8.990% APR | 8.990% | 60 mo | Standard |
| Unsecured Personal Loanpersonal_unsecured | 8.990% APR | 8.990% | — | Standard |
Credit card rates
3 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Visa® Classic Credit Cardcredit_card | 10.900% APR | 10.900% | — | Standard |
| Fixed APRcredit_card | 15.900% APR | 15.900% | — | Standard |
| Rewards Credit Cardcredit_card_rewards | 15.900% APR | 15.900% | — | Standard |
Savings & CD rates
23 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Standard Account Dividends (Christmas (S3) & Vacation Clubs (S4))savings | 0.15% APY | 0.15% | — | Standard |
| Term Negotiablesavings | 2.00% APY | 2.00% | — | Standard |
| Checkingmoney_market | 2.50% APY | 2.50% | — | Standard |
| $2,500.00 - $10,000.00savings | 2.50% APY | 2.50% | — | Standard |
| $2,000.00 - $20,000.00savings | 2.50% APY | 2.50% | — | Standard |
| Money Market Account Dividends ($2,000.00 - $20,000.00)money_market | 2.50% APY | 2.50% | — | Standard |
| $20,000.00 - $75,000.00savings | 2.55% APY | 2.55% | — | Standard |
| $10,000.00 and Oversavings | 2.55% APY | 2.55% | — | Standard |
| Money Market Account Dividends ($20,000.00 - $75,000.00)money_market | 2.55% APY | 2.55% | — | Standard |
| Money Marketmoney_market | 2.55% APY | 2.55% | — | Standard |
| Money Market Account Dividends ($75,000.01 and Over)money_market | 2.60% APY | 2.60% | — | Standard |
| $75,000.01 and Oversavings | 2.60% APY | 2.60% | — | Standard |
| Held against funds in the account (36 months)cd_36mo | 3.00% APY | 3.00% | 36 mo | Standard |
| 12-Month Certificatecd_12mo | 3.50% APY | 3.50% | 12 mo | Standard |
| 6-Month Certificatecd_6mo | 3.50% APY | 3.50% | 6 mo | Standard |
| Regular Certificateshare_certificate | 3.50% APY | 3.50% | — | Standard |
| 24-Month Certificatecd_24mo | 3.55% APY | 3.55% | 24 mo | Standard |
| 18-Month Certificatecd_18mo | 3.55% APY | 3.55% | 18 mo | Standard |
| 36-Month Certificatecd_36mo | 3.60% APY | 3.60% | 36 mo | Standard |
| 48-Month Certificatecd_48mo | 3.65% APY | 3.65% | 48 mo | Standard |
| 60-Month Certificatecd_60mo | 3.65% APY | 3.65% | 60 mo | Standard |
| Held against funds in the account (60 months)cd_60mo | 4.00% APY | 4.00% | 60 mo | Standard |
| Held against funds in the account (120 months)cd_120mo | 6.00% APY | 6.00% | 120 mo | Standard |
Other rates
17 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Up to 110% LTV (LTV based on NADA retail or MSRP) (Up to 36 months)other | 4.440% % | 4.440% | — | Standard |
| Up to 130% LTV (LTV based on NADA retail or MSRP) (Up to 36 months)other | 4.490% % | 4.490% | — | Standard |
| Up to 110% LTV (LTV based on NADA retail or MSRP) (Up to 48 months)other | 4.690% % | 4.690% | — | Standard |
| Up to 110% LTV (LTV based on NADA retail or MSRP) (Up to 60 months)other | 4.890% % | 4.890% | — | Standard |
| Up to 130% LTV (LTV based on NADA retail or MSRP) (Up to 48 months)other | 4.990% % | 4.990% | — | Standard |
| Limit $200,000 - Max LTV: 80% (5 years or less)other | 4.990% % | 4.990% | — | Standard |
| Limit $200,000 - Max LTV: 80% (Up to 7 years)other | 5.290% % | 5.290% | — | Standard |
| Up to 130% LTV (LTV based on NADA retail or MSRP) (Up to 60 months)other | 5.390% % | 5.390% | — | Standard |
| Up to 110% LTV (LTV based on NADA retail or MSRP) (Up to 72 months)other | 5.440% % | 5.440% | — | Standard |
| Up to 130% LTV (LTV based on NADA retail or MSRP) (Up to 72 months)other | 5.490% % | 5.490% | — | Standard |
| Limit $200,000 - Max LTV: 80% (Up to 10 years)other | 5.640% % | 5.640% | — | Standard |
| Up to 110% LTV (LTV based on NADA retail or MSRP) (Up to 84 months*)other | 5.690% % | 5.690% | — | Standard |
| Limit $200,000 - Max LTV: 80% (Up to 15 years)other | 5.740% % | 5.740% | — | Standard |
| Up to 130% LTV (LTV based on NADA retail or MSRP) (Up to 84 months*)other | 5.990% % | 5.990% | — | Standard |
| Up to 110% LTV (LTV based on NADA retail or MSRP) (Up to 96 months**)other | 6.690% % | 6.690% | — | Standard |
| Up to 110% LTV (LTV based on NADA retail or MSRP) (Up to 120 months**)other | 6.890% % | 6.890% | — | Standard |
| Only Available 4/1/2026 - 8/31/2026 (12 months)other | 8.990% % | 8.990% | — | Standard |
Auto loans available from 4.49% APR for 48 months. HELOC rates from 4.99% APR. Personal loan rates from 2% APR. Credit card rates from 10.9% APR. Savings and certificate yields up to 6.00% APY.
Source: RateAPI.dev, verified from Palco FCU's official website
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About Palco FCU
Institution facts reported to the National Credit Union Administration for Invalid Date.
- Members
- 6.2K
- Assets
- $109.5M
- Founded
- 1938
- Locations reported
- 2
- NCUA charter
- 2959
- Charter type
- Federal credit union
Services and member support
- Online membership application
- Online loan application
- Open an account online
- Electronic statements
- Mobile check deposit
- Mobile payments
- Student scholarships
Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.
Other credit unions with branches nearby
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Who Can Join Palco FCU
Membership eligibility from Palco FCU's own published criteria. How we verify this.
Community charter: live/work in Bradford, Columbia, Lycoming +5 more, PA
- LocationBradford, Columbia, Lycoming, Montour, Northumberland, Sullivan, Tioga, Union — PA
Verified from Palco FCU's membership page. Final membership determination is always made by the credit union.
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Frequently Asked Questions
What rates does Palco FCU offer?
Palco FCU currently offers Auto loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.
How often are Palco FCU rates updated?
RateAPI verifies Palco FCU's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.
Where does RateAPI get Palco FCU's rate data?
Rate data is collected directly from Palco FCU's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.
What are Palco FCU's auto loan rates?
As of August 4, 2026, Palco FCU offers auto loans from 4.49% APR.
What is Palco FCU's HELOC rate?
As of August 4, 2026, Palco FCU offers home equity lines of credit from 4.99% APR.
What is Palco FCU's personal loan rate?
As of August 4, 2026, Palco FCU offers personal loans from 2% APR.
What is Palco FCU's best CD rate?
As of August 4, 2026, Palco FCU offers savings and certificate (CD) yields up to 6.00% APY.
Related Rate Data
Compare Palco FCU's rates against national credit-union benchmarks.
Source Information
Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.
View Original SourceMethodology
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# Get rates for Palco FCU
curl "https://api.rateapi.dev/credit-unions/pennsylvania/palco-fcu" \
-H "Authorization: Bearer YOUR_API_KEY"