--- title: "Saint Nicholas Credit Union Rates (Nov 2026): Personal 12.00%" description: "Saint Nicholas Credit Union rates today: personal loans from 12.00% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Saint Nicholas Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/pennsylvania/saint-nicholas" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Saint Nicholas Credit Union Rates (Nov 2026): Personal 12.00% ### Auto & vehicle rates 4 offers | Product | Published | Rate | Term / condition | Status | | **New Car/Truck** auto_new | — APR | 6.000% | new | Standard | | **Used Car/Truck** auto_used | — APR | 7.000% | used | Standard | | **RV Loan** rv | — APR | 7.000% | — | Standard | | **Cosigner** auto | — APR | 12.000% | — | Standard | Saint Nicholas Credit Union auto & vehicle rates as of November 13, 2026 ### Personal loan rates 5 offers | Product | Published | Rate | Term / condition | Status | | **Share-Secured Loan** personal_secured | — APR | 3.000% | — | Standard | | **Personal-2** personal | — APR | 9.000% | — | Standard | | **Personal-3** personal | — APR | 10.000% | — | Standard | | **Personal-4** personal | — APR | 11.000% | — | Standard | | **Personal-5** personal | 12.000% APR | 12.000% | — | Standard | Saint Nicholas Credit Union personal loan rates as of November 13, 2026 Personal loan rates from 12% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/pennsylvania/saint-nicholas) , verified from [Saint Nicholas Credit Union's official website](https://www.snfcu.org/) Best product position **Room to improve vs. the Pennsylvania median** personal loan Gap to state best **1001 bp** 1001 bp from state best Vs. state median **300 bp behind median** personal loan Products ranked **1** across tracked Pennsylvania markets | Product | Published APR | Position | Vs. state best | Vs. state median | | personal loan | 12.00% | Room to improve vs. the Pennsylvania median | 1001 bp from state best | 300 bp behind median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Saint Nicholas 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=saint-nicholas&state=pennsylvania&code=PA&name=Saint%20Nicholas%20Credit%20Union) Loading branch locator… ## About Saint Nicholas Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 854 Assets $3.6M Founded 1938 Locations reported 1 NCUA charter 2583 Charter type Federal credit union ### Services and member support - Bilingual services 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. [**Citymark** City Hall Office · Wilkes Barre · PA · 18711 About 0.3 miles away](https://rateapi.dev/credit-unions/pennsylvania/citymark) [**Corner Post** Corner Post FCU · Wilkes Barre · PA · 18701-2102 About 0.8 miles away](https://rateapi.dev/credit-unions/pennsylvania/corner-post) [**Cross Valley** Spring Street · Wilkes Barre · PA · 18702-5528 About 1.2 miles away](https://rateapi.dev/credit-unions/pennsylvania/cross-valley) [**Vantage Trust** MAIN OFFICE · WILKES BARRE · PA · 18702-6705 About 1.2 miles away](https://rateapi.dev/credit-unions/pennsylvania/vantage-trust) [**Wyoming Valley Educational Empl** Main Office · Plains · PA · 18705-1033 About 1.6 miles away](https://rateapi.dev/credit-unions/pennsylvania/wyoming-valley-educational-empl) [**Choice One Community** Kingston · Kingston · PA · 18704 About 2.1 miles away](https://rateapi.dev/credit-unions/pennsylvania/choice-one-community) 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 Saint Nicholas Credit Union Membership eligibility from Saint Nicholas Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Saint Nicholas Credit Union's website. Check the membership page below to confirm whether you qualify. - Place of worship St. Nicholas parish, St. Andrew's parish, St. Mary's – Our Lady of Fatima parish - School St. Nicholas – St. Mary's School Verified from [Saint Nicholas Credit Union's membership page](https://www.snfcu.org/Member) . Final membership determination is always made by the credit union. ## Membership rules for Saint Nicholas Credit Union Schools · Places of worship 6 · Family 2 9 published paths to membership, last verified August 27, 2026, quoted from Saint Nicholas Credit Union’s own published criteria. Source-page proposal coverage: 8 of 8 extracted claims verified; 0 withheld. Only verified rules are shown here. This measures claims found on the reviewed source page, not every possible real-world membership path. ### Schools 1 Human-reviewed quoted from the credit union’s own published criteria · last verified August 27, 2026 - School employee of St. Nicholas – St. Mary's School “Be a member of the Faculty, Staff, or Student Body of St. Nicholas – St. Mary's School.” > [source ↗](https://www.snfcu.org/Member) - Employee of St. Nicholas – St. Mary's School ### Places of worship 6 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Member of St. Nicholas parish (as written on the source page) “Be a member of St. Nicholas parish.” > [source ↗](https://www.snfcu.org/Member) - Member of St. Nicholas parish - Member of St. Andrew's parish (as written on the source page) “Be a member of St. Andrew's parish.” > [source ↗](https://www.snfcu.org/Member) - Member of St. Andrew's parish - Member of St. Mary's – Our Lady of Fatima parish (as written on the source page) “Be a member of St. Mary's – Our Lady of Fatima parish.” > [source ↗](https://www.snfcu.org/Member) - Member of St. Mary's – Our Lady of Fatima parish - Member of St. Nicholas parish “Be a member of St. Nicholas parish.” > [source ↗](https://www.snfcu.org/Member) - Member of St. Nicholas parish - Member of St. Andrew's parish “Be a member of St. Andrew's parish.” > [source ↗](https://www.snfcu.org/Member) - Member of St. Andrew's parish - Member of St. Mary's – Our Lady of Fatima parish “Be a member of St. Mary's – Our Lady of Fatima parish.” > [source ↗](https://www.snfcu.org/Member) - Member of St. Mary's – Our Lady of Fatima parish ### Family 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Family of a member “Be related to a member of St. Nicholas parish.” > [source ↗](https://www.snfcu.org/Member) - Family member of a member - Family of a member related to a member “Be related to a member of St. Nicholas parish.” > [source ↗](https://www.snfcu.org/Member) - Family member (related to a member) of a member 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 Saint Nicholas Credit Union? Yes No ## Work at Saint Nicholas 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 Saint Nicholas Credit Union ranks against Pennsylvania peers. - See which AI assistants fetched Saint Nicholas 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=saint-nicholas&state=pennsylvania&code=PA&name=Saint%20Nicholas%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Saint Nicholas Credit Union offer? Saint Nicholas Credit Union currently offers vehicle loan, and personal loan rates. The rates shown on this page were last verified November 13, 2026 directly from the credit union's official website. ### How often are Saint Nicholas Credit Union rates updated? RateAPI verifies Saint Nicholas Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 13, 2026. ### Where does RateAPI get Saint Nicholas Credit Union's rate data? Rate data is collected directly from Saint Nicholas Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Saint Nicholas Credit Union's personal loan rate? As of November 13, 2026, Saint Nicholas Credit Union offers personal loans from 12% APR. ### Who can join Saint Nicholas Credit Union? Saint Nicholas Credit Union publishes its membership criteria on its own website. RateAPI tracks 9 published membership paths covering 1 school and 6 places of worship for Saint Nicholas Credit Union, each quoted from Saint Nicholas Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Saint Nicholas 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) [Pennsylvania personal loan leaders](https://rateapi.dev/personal-loan-rates/pennsylvania) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [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://www.snfcu.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 Saint Nicholas 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 Saint Nicholas Credit Union curl "https://api.rateapi.dev/credit-unions/pennsylvania /saint-nicholas " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Saint Nicholas 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/saint-nicholas Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp