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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 P&S Credit Union Rates & Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
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 →
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: March 24, 2026
P&S Credit Union's 12 Month Share / IRA CD of Deposit-STUDENT Accounts rates are at 5.00%, 60 Month Share One-Time Bump CDs of Deposit rates are at 4.10%, 48 Month Share One-Time Bump CDs of Deposit rates are at 4.05%, 24 Month Share / IRA CD of Deposit rates are at 4.00%, 36 Month Share / IRA CD of Deposit rates are at 4.00%. P&S Credit Union's savings rates are at 0.10%. P&S Credit Union's money market rates are at 0.75%. P&S Credit Union's Personal Loan Rates are at 2.49%. 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 0.13%. Rates were last updated on 03/24/2026. 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. P&S Credit Union
P and S Credit Union Main Office 2250 S Redwood Rd Ste 6
https://www.pandscu.org Salt Lake City, UT 84119 1356 
P&S Credit Union CD Rates
P&S Credit Union Savings Rates
P&S Credit Union Money Market Rates
P&S Credit Union Checking Rates
P&S Credit Union Mortgage Rates
P&S Credit Union Home Equity & HELOC
P&S Credit Union Auto Loan Rates
P&S Credit Union Credit Card Rates
Methodology & Data SourcesMonitorBankRates 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
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.13%
Return on Assets (ROA)
0.5473%
Return on Equity (ROE)
4.8172%
Non-Performing Loans Ratio (NPL)
0.02%
Total Assets
24,794,221
Total Amount of Shares and Deposits
21,749,873
Total Shares and Deposits < 1 Year
21,749,870
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
1,832,675
Total Uninsured Shares and Deposits > $250K (F+J)
1,832,675
Total Insured Shares and Deposits > $250K (item 17 less item K)
19,917,198
Total Interest Expense (Sum of items 6 8)
231,874
Share Certificates
157
Number of Accounts for Share Drafts
757
IRA KEOGH Accounts
48
Number of Accounts for Regular Shares
2,359
All other shares
437
Money Market Shares
92
Net Income (unless the amount is already included in Undivided Earnings)
29,576
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
3,318,760
Total Liabilities
21,993,195
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About P&S Credit UnionIs P&S Credit Union a safe place to deposit money?Yes, P&S Credit Union is considered a safe financial institution. With a Texas Ratio of 0.13131946059262%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. 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
Retrieved from our database of financial products. Rates subject to change.
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