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P&S Credit Union Rates & Review October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
  • Automated Online Rate Data Aggregation
  • Location-Based Rate Tables
  • Bank & Credit Union Health Safety Ratings
  • Bank & Credit Union Star Ratings
  • Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Rates Last Updated and Verified: October 9, 2026

P&S Credit Union's top rates as of October 9, 2026 are 5.00% APY on its 12 Month CD - STUDENT Accounts, 2.50% APY on savings, 3.30% APY on money market accounts, 5.50% on its First Mortgage Loans - 10 Year Term, and personal loans from 10.50% APR, according to rates verified by MonitorBankRates. Other P&S Credit Union CD rates include 60 Month CD at 4.10%, 48 Month CD at 4.05%, and 24 Month CD at 4.00%. Other P&S Credit Union mortgage rates include First Mortgage Loans - 15 Year Term at 6.00%. MonitorBankRates evaluates the financial stability of P&S Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.10%. Rates last updated and verified on 10/09/2026.

P&S 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 P&S Credit Union? Share your experience about P&S Credit Union by leaving a review below, or read customer reviews before you decide to use P&S Credit Union.

MonitorBankRates Verified Healthy Badge Q2 2026 Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 100/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
0.10%
Excellent Lower than avg
Health Trend ?
Very strong 12 quarters
Full history ›
P&S Credit Union
P & S Credit Union/Main Office
2250 S Redwood Rd Ste 6
Salt Lake City, UT 84119-1356
https://www.pandscu.org
Member NCUA
Customer Reviews
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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

P&S Credit Union CD Rates

Product Rate APY Term View More
12 Month Certificate - STUDENT Accounts - 5.00% 12 Month
Min Deposit $100
Details Maximum $10,000 (Automatic Renewal)
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 5.00% APY · checked 7 times
4.50%5.00%5.50%Sep 14, 2026: 5.00% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
60 Month Certificate - 4.10% 60 Month
Min Deposit $500
Details Automatic Renewal to Regular Certificate
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 7 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
48 Month Certificate - 4.05% 48 Month
Min Deposit $500
Details Automatic Renewal to Regular Certificate
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 7 times
3.55%4.05%4.55%Sep 14, 2026: 4.05% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
24 Month Certificate - 4.00% 24 Month
Min Deposit $500
Details Automatic Renewal
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
36 Month Certificate - 4.00% 36 Month
Min Deposit $500
Details Automatic Renewal
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
24 Month Certificate - 3.95% 24 Month
Min Deposit $500
Details Automatic Renewal to Regular Certificate
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 7 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
48 Month Certificate - 3.95% 48 Month
Min Deposit $500
Details Automatic Renewal
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 7 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
6 Month Certificate - 3.95% 6 Month
Min Deposit $500
Details Automatic Renewal
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 7 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
12 Month Certificate - 3.90% 12 Month
Min Deposit $500
Details Automatic Renewal
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 7 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
18 Month Certificate - 3.90% 18 Month
Min Deposit $500
Details Automatic Renewal to Regular Certificate
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 7 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
6 Month Certificate - 3.85% 6 Month
Min Deposit $500
Details Automatic Renewal to Regular Certificate
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 7 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
60 Month Certificate - 3.85% 60 Month
Min Deposit $500
Details Automatic Renewal
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 7 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
18 Month Certificate - 3.80% 18 Month
Min Deposit $500
Details Automatic Renewal
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 7 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%

P&S Credit Union Savings Rates

Product Rate APY View More
Christmas Club Certificate - 4.25%
Min Deposit $5
Details Automatic Renewal
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 7 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
Apprentice Tuition Savings - 2.50%
No additional details.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 7 times
2.00%2.50%3.00%Sep 14, 2026: 2.50% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
Christmas Club Savings - 0.10%
Details Dividends Paid October 31st
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 7 times
0.00%0.30%0.60%Sep 14, 2026: 0.10% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
Share Savings - 0.10%
Min Deposit $25
Min Balance $100
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 7 times
0.00%0.30%0.60%Sep 14, 2026: 0.10% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
Share Youth Savings - 0.10%
Min Deposit $5
Min Balance $100
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 7 times
0.00%0.30%0.60%Sep 14, 2026: 0.10% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
Student Savings - 0.10%
No additional details.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 7 times
0.00%0.30%0.60%Sep 14, 2026: 0.10% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
Union Member Vacation Savings - 0.10%
No additional details.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 7 times
0.00%0.30%0.60%Sep 14, 2026: 0.10% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%

P&S Credit Union Business Savings Rates

Product Rate APY View More
Business Share Savings - 0.10%
Min Deposit $25
Min Balance $25
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 7 times
0.00%0.30%0.60%Sep 14, 2026: 0.10% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%

P&S Credit Union Money Market Rates

Product Rate APY View More
Money Market Account - 2.75%
Min Balance $100,000
Details Balance: $100,000+
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 7 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
Money Market Account - 1.90%
Min Balance $50,000
Details Balance: $50,000 - $99,999
Last Updated 10/09/2026
Rate History
No change since Sep 26, 2026 · 1.90% APY · checked 4 times
1.40%1.90%2.40%Sep 26, 2026: 1.90% APYSep 26, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
Money Market Account - 1.30%
Min Balance $20,000
Details Balance: $20,000 - $49,999
Last Updated 10/09/2026
Rate History
No change since Sep 26, 2026 · 1.30% APY · checked 4 times
0.80%1.30%1.80%Sep 26, 2026: 1.30% APYSep 26, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
Money Market Account - 1.20%
Min Balance $10,000
Details Balance: $10,000 - $19,999
Last Updated 10/09/2026
Rate History
No change since Sep 26, 2026 · 1.20% APY · checked 4 times
0.70%1.20%1.70%Sep 26, 2026: 1.20% APYSep 26, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
Money Market Account - 1.15%
Min Balance $5,000
Details Balance: $5,000 - $9,999
Last Updated 10/09/2026
Rate History
No change since Sep 26, 2026 · 1.15% APY · checked 4 times
0.65%1.15%1.65%Sep 26, 2026: 1.15% APYSep 26, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
Money Market Account - 0.75%
Min Balance $0
Details Balance: Less than $4,999
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.75% APY · checked 7 times
0.25%0.75%1.25%Sep 14, 2026: 0.75% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%

P&S Credit Union Business Money Market Rates

Product Rate APY View More
Business Money Market Accounts - 3.30%
Min Balance $250,000
Details Balance: $250,000+
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 4 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
Business Money Market Accounts - 2.70%
Min Balance $100,000
Details Balance: $100,000 - $249,999
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 2.70% APY · checked 4 times
2.20%2.70%3.20%Sep 14, 2026: 2.70% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
Business Money Market Accounts - 2.00%
Min Balance $50,000
Details Balance: $50,000 - $99,999
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 4 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
Business Money Market Accounts - 1.60%
Min Balance $25,000
Details Balance: $25,000 - $49,999
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 1.60% APY · checked 4 times
1.10%1.60%2.10%Sep 14, 2026: 1.60% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
Business Money Market Accounts - 1.15%
Min Balance $5,000
Details Balance: $5,000 - $9,999
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 1.15% APY · checked 3 times
0.65%1.15%1.65%Sep 18, 2026: 1.15% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
Business Money Market Accounts - 1.15%
Min Balance $10,000
Details Balance: $10,000 - $24,999
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 1.15% APY · checked 3 times
0.65%1.15%1.65%Sep 18, 2026: 1.15% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
Business Money Market Accounts - 0.75%
Min Balance $25
Details Balance: $25 - $4,999
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.75% APY · checked 4 times
0.25%0.75%1.25%Sep 14, 2026: 0.75% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%

P&S Credit Union Mortgage Rates

Product Rate Points APR Term View More
First Mortgage Loans - 10 Year Term - - 5.50% 10 Year
Details Fixed (as low as)
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 5.50% APR · checked 8 times
5.00%5.50%6.00%Sep 14, 2026: 5.50% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
First Mortgage Loans - 15 Year Term - - 6.00% 15 Year
Details Fixed (as low as)
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 6.00% APR · checked 8 times
5.50%6.00%6.50%Sep 14, 2026: 6.00% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%

P&S Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity Line of Credit - 60% LTV - - 6.25%
Details Minimum Variable APR; Max Rate: 18%
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 6.25% APR · checked 4 times
5.75%6.25%6.75%Sep 14, 2026: 6.25% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
Home Equity Line of Credit - 70% LTV - - 6.75%
Details Minimum Variable APR; Max Rate: 18%
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 6.75% APR · checked 4 times
6.25%6.75%7.25%Sep 14, 2026: 6.75% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
Home Equity Line of Credit - 80% LTV - - 7.25%
Details Minimum Variable APR; Max Rate: 18%
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 7.25% APR · checked 4 times
6.75%7.25%7.75%Sep 14, 2026: 7.25% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
Home Equity Line of Credit - 85% LTV - - 7.50%
Details Minimum Variable APR; Max Rate: 18%
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 7.50% APR · checked 4 times
7.00%7.50%8.00%Sep 14, 2026: 7.50% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
Home Equity Line of Credit - 90% LTV - - 8.25%
Details Minimum Variable APR; Max Rate: 18%
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 8.25% APR · checked 4 times
7.75%8.25%8.75%Sep 14, 2026: 8.25% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%

P&S Credit Union Auto Loan Rates

Product Rate Points APR Term View More
New Truck & Auto Loans (2026 and Untitled 2025 Vehicles) 2.49% - 2.49% Up to 12 Months
Details Fixed (as low as)
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 2.49% APR · checked 6 times
1.99%2.49%2.99%Sep 18, 2026: 2.49% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
New Truck & Auto Loans (2026 and Untitled 2025 Vehicles) 4.75% - 4.75% 13 to 48 Months
Details Fixed (as low as)
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 4.75% APR · checked 6 times
4.25%4.75%5.25%Sep 18, 2026: 4.75% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
Used Truck & Auto Loans (2018 to 2025 Previously Titled Vehicles) 4.75% - 4.75% Up to 48 Months
Details Fixed (as low as)
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 4.75% APR · checked 6 times
4.25%4.75%5.25%Sep 18, 2026: 4.75% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
New Truck & Auto Loans (2026 and Untitled 2025 Vehicles) 4.99% - 4.99% 49 to 60 Months
Details Fixed (as low as)
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 4.99% APR · checked 6 times
4.49%4.99%5.49%Sep 18, 2026: 4.99% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
New Truck & Auto Loans (2026 and Untitled 2025 Vehicles) 4.99% - 4.99% 61 to 72 Months
Details Fixed (as low as)
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 4.99% APR · checked 6 times
4.49%4.99%5.49%Sep 18, 2026: 4.99% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
Used Truck & Auto Loans (2018 to 2025 Previously Titled Vehicles) 4.99% - 4.99% Up to 60 Months
Details Fixed (as low as)
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 4.99% APR · checked 6 times
4.49%4.99%5.49%Sep 18, 2026: 4.99% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
Used Truck & Auto Loans (2018 to 2025 Previously Titled Vehicles) 5.40% - 5.40% 61 to 72 Months
Details Fixed (as low as)
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 5.40% APR · checked 6 times
4.90%5.40%5.90%Sep 18, 2026: 5.40% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
New Truck & Auto Loans (2026 and Untitled 2025 Vehicles) 5.95% - 5.95% 73 to 84 Months
Details Fixed (as low as)
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 5.95% APR · checked 6 times
5.45%5.95%6.45%Sep 18, 2026: 5.95% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
Used Truck & Auto Loans (2018 to 2025 Previously Titled Vehicles) 6.00% - 6.00% 73 to 84 Months
Details Fixed (as low as)
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 6.00% APR · checked 6 times
5.50%6.00%6.50%Sep 18, 2026: 6.00% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
Used Truck & Auto Loans (Classic/Vintage Vehicles) 6.25% - 6.25% Up to 60 Months
Details Fixed (as low as)
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 6.25% APR · checked 6 times
5.75%6.25%6.75%Sep 18, 2026: 6.25% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
Used Truck & Auto Loans (2017 and Older Previously Titled Vehicles) 7.00% - 7.00% Up to 36 Months
Details Fixed (as low as)
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 7.00% APR · checked 6 times
6.50%7.00%7.50%Sep 18, 2026: 7.00% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
New RV & Boat Loans (2026 and Untitled 2025 Vehicles) - 73 to 84 Months-PROMO - - 7.25% 73 to 84 Months
Details Fixed (as low as); PROMO
Last Updated 10/09/2026
Rate History
No change since Oct 5, 2026 · 7.25% APR · checked 2 times
6.75%7.25%7.75%Oct 5, 2026: 7.25% APROct 5, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
New RV & Boat Loans (2026 and Untitled 2025 Vehicles) - Up to 72 Months-PROMO - - 7.25% Up to 72 Months
Details Fixed (as low as); PROMO
Last Updated 10/09/2026
Rate History
No change since Oct 5, 2026 · 7.25% APR · checked 2 times
6.75%7.25%7.75%Oct 5, 2026: 7.25% APROct 5, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
Used Truck & Auto Loans (2017 and Older Previously Titled Vehicles) 7.25% - 7.25% 37 to 48 Months
Details Fixed (as low as)
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 7.25% APR · checked 6 times
6.75%7.25%7.75%Sep 18, 2026: 7.25% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
New RV & Boat Loans (2026 and Untitled 2025 Vehicles) - Up to 48 Months-PROMO RATE - - 7.50% Up to 48 Months
Details Fixed (as low as); PROMO RATE
Last Updated 10/09/2026
Rate History
No change since Oct 5, 2026 · 7.50% APR · checked 2 times
7.00%7.50%8.00%Oct 5, 2026: 7.50% APROct 5, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
Used RV & Boat Loans (2025 to 2018 Previously Titled Vehicles) - 49 to 60 Months-PROMO - - 7.50% 49 to 60 Months
Details Fixed (as low as); PROMO
Last Updated 10/09/2026
Rate History
No change since Oct 5, 2026 · 7.50% APR · checked 2 times
7.00%7.50%8.00%Oct 5, 2026: 7.50% APROct 5, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
Used RV & Boat Loans (2025 to 2018 Previously Titled Vehicles) - 61 to 72 Months-PROMO - - 7.50% 61 to 72 Months
Details Fixed (as low as); PROMO
Last Updated 10/09/2026
Rate History
No change since Oct 5, 2026 · 7.50% APR · checked 2 times
7.00%7.50%8.00%Oct 5, 2026: 7.50% APROct 5, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
Used RV & Boat Loans (2025 to 2018 Previously Titled Vehicles) - 73 to 84 Months-PROMO - - 7.50% 73 to 84 Months
Details Fixed (as low as); PROMO
Last Updated 10/09/2026
Rate History
No change since Oct 5, 2026 · 7.50% APR · checked 2 times
7.00%7.50%8.00%Oct 5, 2026: 7.50% APROct 5, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
Used RV & Boat Loans (2025 to 2018 Previously Titled Vehicles) - Up to 48 Months-PROMO - - 7.50% Up to 48 Months
Details Fixed (as low as); PROMO
Last Updated 10/09/2026
Rate History
No change since Oct 5, 2026 · 7.50% APR · checked 2 times
7.00%7.50%8.00%Oct 5, 2026: 7.50% APROct 5, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
Used Truck & Auto Loans (Classic/Vintage Vehicles) 7.50% - 7.50% Up to 84 Months
Details Fixed (as low as)
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 7.50% APR · checked 6 times
7.00%7.50%8.00%Sep 18, 2026: 7.50% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
New RV & Boat Loans (2026 and Untitled 2025 Vehicles) - 85 to 144 Months-PROMO - - 8.25% 85 to 144 Months
Details $30,000 and above; Fixed (as low as); PROMO
Last Updated 10/09/2026
Rate History
No change since Oct 5, 2026 · 8.25% APR · checked 2 times
7.75%8.25%8.75%Oct 5, 2026: 8.25% APROct 5, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
Used RV & Boat Loans (2025 to 2018 Previously Titled Vehicles) - 85 to 144 Months-PROMO , less than 5 years old - - 8.25% 85 to 144 Months
Details $30,000 and above; Fixed (as low as); PROMO; $30,000 and above, less than 5 years old
Last Updated 10/09/2026
Rate History
No change since Oct 5, 2026 · 8.25% APR · checked 2 times
7.75%8.25%8.75%Oct 5, 2026: 8.25% APROct 5, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
Used RV & Boat Loans (2017 and Older Previously Titled Vehicles) - Up to 48 Months - - 12.50% Up to 48 Months
Details Fixed (as low as)
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 12.50% APR · checked 6 times
12.00%12.50%13.00%Sep 14, 2026: 12.50% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
Used RV & Boat Loans (2017 and Older Previously Titled Vehicles) - 49 to 60 Months - - 13.25% 49 to 60 Months
Details Fixed (as low as)
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 13.25% APR · checked 6 times
12.75%13.25%13.75%Sep 14, 2026: 13.25% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
Used RV & Boat Loans (2017 and Older Previously Titled Vehicles) - 61 to 72 Months , less than 10 years old - - 13.75% 61 to 72 Months
Details $20,000 and above; Fixed (as low as); $20,000 and above, less than 10 years old
Last Updated 10/09/2026
Rate History
No change since Oct 5, 2026 · 13.75% APR · checked 2 times
13.25%13.75%14.25%Oct 5, 2026: 13.75% APROct 5, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%

P&S Credit Union Personal Loan Rates

Product APR Term View More
Personal & Signature Unsecured (Closed-end) Up to 12 Months Loan 10.50% Up to 12 Months
Details Fixed (as low as)
Last Updated 10/09/2026
Rate History
No change since Sep 22, 2026 · 10.50% APR · checked 5 times
10.00%10.50%11.00%Sep 22, 2026: 10.50% APRSep 22, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
Personal & Signature Unsecured (Closed-end) 13 to 24 Months Loan 10.75% 13 to 24 Months
Details Fixed (as low as)
Last Updated 10/09/2026
Rate History
No change since Sep 22, 2026 · 10.75% APR · checked 5 times
10.25%10.75%11.25%Sep 22, 2026: 10.75% APRSep 22, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
Personal & Signature Unsecured (Closed-end) 25 to 36 Months Loan 11.00% 25 to 36 Months
Details Fixed (as low as)
Last Updated 10/09/2026
Rate History
No change since Sep 22, 2026 · 11.00% APR · checked 5 times
10.50%11.00%11.50%Sep 22, 2026: 11.00% APRSep 22, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
Personal & Signature Unsecured (Closed-end) 37 to 48 Months Loan 11.50% 37 to 48 Months
Details Fixed (as low as)
Last Updated 10/09/2026
Rate History
No change since Sep 22, 2026 · 11.50% APR · checked 5 times
11.00%11.50%12.00%Sep 22, 2026: 11.50% APRSep 22, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
Personal & Signature Unsecured (Closed-end) 49 to 60 Months Loan 12.00% 49 to 60 Months
Details Fixed (as low as)
Last Updated 10/09/2026
Rate History
No change since Sep 22, 2026 · 12.00% APR · checked 5 times
11.50%12.00%12.50%Sep 22, 2026: 12.00% APRSep 22, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%

P&S Credit Union Other Rates

Product Rate Points APY/APR Term View More
Fast Cash Loan (No Credit Check) Up to 12 Months, Amounts of to $2,000 - - 32.00% Up to 12 Months
Details $500; Fixed (as low as)
Last Updated 10/09/2026
Rate History
No change since Sep 22, 2026 · 32.00% APR · checked 5 times
31.50%32.00%32.50%Sep 22, 2026: 32.00% APRSep 22, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
Second Mortgage Loans - 10 Year Term - - 6.49% 10 Year
Details Fixed (as low as)
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 6.49% APR · checked 8 times
5.99%6.49%6.99%Sep 14, 2026: 6.49% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
Second Mortgage Loans - 15 Year Term - - 7.00% 15 Year
Details Fixed (as low as)
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 7.00% APR · checked 8 times
6.50%7.00%7.50%Sep 14, 2026: 7.00% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
Second Mortgage Loans - 5 Year Term - - 6.25% 5 Year
Details Fixed (as low as)
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 6.25% APR · checked 8 times
5.75%6.25%6.75%Sep 14, 2026: 6.25% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
IRA Accumulator - - 0.50%
Min Balance $0
Details Balance: $0.00 to $2,499.99
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 7 times
0.00%0.50%1.00%Sep 14, 2026: 0.50% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
IRA Accumulator - - 1.00%
Min Balance $2,500
Details Balance: $2,500 to $9,999.99
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 1.00% APY · checked 6 times
0.50%1.00%1.50%Sep 18, 2026: 1.00% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
IRA Accumulator - - 1.25%
Min Balance $10,000
Details Balance: $10,000 to $24,999.99
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 1.25% APY · checked 7 times
0.75%1.25%1.75%Sep 14, 2026: 1.25% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
IRA Accumulator - - 1.50%
Min Balance $25,000
Details Balance: $25,000 to $49,999.99
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 7 times
1.00%1.50%2.00%Sep 14, 2026: 1.50% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
IRA Accumulator - - 1.60%
Min Balance $50,000
Details Balance: $50,000 and Over
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 1.60% APY · checked 7 times
1.10%1.60%2.10%Sep 14, 2026: 1.60% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.
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Financial Health History

P&S Credit Union’s Texas Ratio stayed near 0.25% in Q3 2023 to 0.10% in Q2 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 — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

0% 1.0★ 0.6% 2.0★ 1.1% 3.0★ 1.7% 4.0★ 2.2% 5.0★ Healthy zone – entire history below the 15% limit 0.25% A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 A+ Q1 2026 0.10% A+ Q2 2026
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
Powered by MonitorBankRates

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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$25M0.10%5.0A+
March 31, 2026$25M0.19%5.0A+
December 31, 2025$26M0.13%5.0A+
September 30, 2025$25M0.13%5.0A+
June 30, 2025$25M1.00%5.0A+
March 31, 2025$25M1.04%5.0A+
December 31, 2024$24M1.66%5.0A+
September 30, 2024$25M1.32%5.0A+
June 30, 2024$25M0.00%5.0A+
March 31, 2024$25M0.00%5.0A+
December 31, 2023$23M0.12%5.0A+
September 30, 2023$24M0.25%5.0A+
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 P&S 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 P&S 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 P&S Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name P&S Credit Union
Website https://www.pandscu.org
Address 2250 S Redwood Rd Ste 6, Salt Lake City, UT 84119-1356
Phone 801-973-0575
Fax 801-977-8414
President Allen Robins
CEO Tammy Morgan
Full-Time Employees 4
Part-Time Employees 3
Branch Locations 2
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+ (100/100)
Texas Ratio
0.10%
Return on Assets (ROA)
0.4346%
Return on Equity (ROE)
3.5944%
Non-Performing Loans Ratio (NPL)
0.02%
Total Assets
24,894,559
Total Amount of Shares and Deposits
21,642,300
Total Shares and Deposits < 1 Year
21,642,300
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
1,977,612
Total Uninsured Shares and Deposits > $250K (F+J)
1,977,612
Total Insured Shares and Deposits > $250K (item 17 less item K)
19,664,688
Total Interest Expense (Sum of items 6 8)
152,777
Share Certificates
155
Number of Accounts for Share Drafts
750
IRA KEOGH Accounts
48
Number of Accounts for Regular Shares
2,288
All other shares
406
Money Market Shares
102
Net Income (unless the amount is already included in Undivided Earnings)
24,764
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)
2,623,245
Total Liabilities
21,884,617
Source: NCUA — Last Updated 06/30/2026
MonitorBankRates Verified Healthy Badge Q2 2026
Q2 2026 MBR Health & Safety Badge

P&S Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About P&S Credit Union

How many branches does P&S Credit Union operate?

P&S 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 P&S Credit Union?

Yes, to access services at P&S 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, P&S 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, P&S Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does P&S Credit Union offer online and mobile banking?

Most modern institutions like P&S 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.pandscu.org.

Current P&S Credit Union Rates

  • 12-Month CD3.90%
  • 18-Month CD3.80%
  • 24-Month CD3.95%
  • 60-Month CD3.85%
  • Savings2.50%
  • MMA3.30%
Retrieved from our database of financial products. Rates subject to change.

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