--- title: "Pagoda Credit Union Rates (Nov 2026): Auto 5.25%" description: "Pagoda Credit Union rates today: auto loans from 5.25% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Pagoda Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/pennsylvania/pagoda" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Pagoda Credit Union Rates (Nov 2026): Auto 5.25% ### Auto & vehicle rates 2 offers | Product | Published | Rate | Term / condition | Status | | **New Auto Loan** auto_new | 5.250% APR | 5.250% | new | Standard | | **Used Auto Loan** auto_used | 5.250% APR | 5.250% | used | Standard | Pagoda Credit Union auto & vehicle rates as of November 12, 2026 ### Credit card rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Credit Card** credit_card | 3.990% APR | 3.990% | — | Context only | Pagoda Credit Union credit card rates as of November 12, 2026 Auto loans available from 5.25% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/pennsylvania/pagoda) , verified from [Pagoda Credit Union's official website](https://pagodafcu.org/) Best product position **Better than the Pennsylvania median** used-car loan Gap to state best **56 bp** 56 bp from state best Vs. state median **74 bp better than median** used-car loan Products ranked **2** across tracked Pennsylvania markets | Product | Published APR | Position | Vs. state best | Vs. state median | | new-car loan | 5.25% | Better than the Pennsylvania median | 76 bp from state best | 25 bp better than median | | used-car loan | 5.25% | Better than the Pennsylvania median | 56 bp from state best | 74 bp better than median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Pagoda Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=pagoda&state=pennsylvania&code=PA&name=Pagoda%20Credit%20Union) Loading branch locator… ## About Pagoda Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 2.6K Assets $33M Founded 1963 Locations reported 1 NCUA charter 15532 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Electronic statements - Mobile check deposit Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**First Commonwealth** Wyomissing · Wyomissing · PA · 19610 About 1.4 miles away](https://rateapi.dev/credit-unions/pennsylvania/first-commonwealth) [**Visions** Reading HS · Reading · PA · 19604-2449 About 1.5 miles away](https://rateapi.dev/credit-unions/new-york/visions) [**Reading Berks School Employees** pagoda federal c.u. · Reading · PA · 19601-3658 About 1.7 miles away](https://rateapi.dev/credit-unions/pennsylvania/reading-berks-school-employees) [**Diamond** Reading Hospital Branch · West Reading · PA · 19611 About 1.8 miles away](https://rateapi.dev/credit-unions/pennsylvania/diamond) [**Riverfront** Museum Road Branch · Wyomissing · PA · 19610-2859 About 2.2 miles away](https://rateapi.dev/credit-unions/pennsylvania/riverfront) [**Discovery** Main Office · Wyomissing · PA · 19610 About 2.6 miles away](https://rateapi.dev/credit-unions/pennsylvania/discovery) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Pagoda Credit Union Membership eligibility from Pagoda Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Pagoda Credit Union's website. Check the membership page below to confirm whether you qualify. - Location Berks — PA Verified from [Pagoda Credit Union's membership page](https://pagodafcu.org/) . Final membership determination is always made by the credit union. ## Membership rules for Pagoda Credit Union Geography 1 county 1 published path to membership, last verified August 5, 2026, from NCUA regulator charter records. ### Geography 1 Auto-verified against the source page from NCUA regulator charter records · last verified August 5, 2026 - Berks County, PA “NCUA call report 2026-03-31: TOM_CODE=00 (community charter); branch footprint: Berks County, PA” > [source ↗](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Pagoda Credit Union? Yes No ## Work at Pagoda Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Pagoda Credit Union ranks against Pennsylvania peers. - See which AI assistants fetched Pagoda Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Pennsylvania - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=pagoda&state=pennsylvania&code=PA&name=Pagoda%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Pagoda Credit Union offer? Pagoda Credit Union currently offers Auto loan, and credit card rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Pagoda Credit Union rates updated? RateAPI verifies Pagoda Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Pagoda Credit Union's rate data? Rate data is collected directly from Pagoda Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What are Pagoda Credit Union's auto loan rates? As of November 12, 2026, Pagoda Credit Union offers auto loans from 5.25% APR. ### Who can join Pagoda Credit Union? Pagoda Credit Union publishes its membership criteria on its own website. RateAPI tracks 1 published membership path covering 1 county for Pagoda Credit Union, each quoted from NCUA charter records. ## Related Rate Data Compare Pagoda Credit Union's rates against national credit-union benchmarks. [More Pennsylvania credit unions](https://rateapi.dev/credit-unions/pennsylvania) [Pennsylvania auto loan rate leaders](https://rateapi.dev/auto-loan-rates/pennsylvania) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://pagodafcu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Pagoda Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Pennsylvania credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Pagoda Credit Union curl "https://api.rateapi.dev/credit-unions/pennsylvania /pagoda " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Pagoda Credit Union locations Search, filter, and browse all 1 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/pennsylvania/pagoda Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp