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iAdvertiser Disclosure
Advertiser Disclosure
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 Park City Credit Union Rates & Review November 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 and Verified: October 30, 2026
Park City Credit Union's CD - 60 Month rates are at 3.50%, CD - 48 Month rates are at 3.25%, 12 Month My First CD rates are at 3.00%, CD - 36 Month rates are at 3.00%, 6 Month Junior Investor CD rates are at 2.50%. Park City Credit Union's savings rates are at 4.00%. Park City Credit Union's money market rates are at 2.50%. Park City Credit Union's checking rates are as high as 5.00%. Park City Credit Union's Mortgage - 10 Year rates are at 6.25%, Mortgage - 15 Year rates are at 6.40%, Mortgage - 20 Year rates are at 6.70%, Mortgage - 30 Year rates are at 6.95%. Park City Credit Union's Personal Loan Rates are as low as 9.50%. Park City Credit Union's Credit Card Rates are at 10.75%. Park City Credit Union's CD rates are 8% lower than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Park City Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.71%. Rates last updated and verified on 10/30/2026. Park City 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 Park City Credit Union? Share your experience about Park City Credit Union by leaving a review below, or read customer reviews before you decide to use Park City Credit Union. 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. Park City Credit Union CD Rates
Park City Credit Union Savings Rates
Park City Credit Union Money Market Rates
Park City Credit Union Checking Rates
Park City Credit Union Business Checking Rates
Park City Credit Union Mortgage Rates
Park City Credit Union Auto Loan Rates
Park City Credit Union RV, Boat and Powersport Loan Rates
Park City Credit Union Credit Card Rates
Park City Credit Union Personal Loan Rates
Park City Credit Union Other Rates
Financial Health HistoryPark City Credit Union’s Texas Ratio fell from 3.32% in Q3 2023 to 2.71% 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. 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
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Park City 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 Park City 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 Park City Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Park City Credit Union
Website
https://www.parkcitycu.org
Address
501 S Pine Ridge Ave,
Merrill, WI 54452
Phone
715-536-8351
Fax
715-536-9063
President
James Richardson
CEO
Volala Mindak
Full-Time Employees
96
Part-Time Employees
8
Branch Locations
6
ATM Locations
4
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.71%
Return on Assets (ROA)
0.4089%
Return on Equity (ROE)
4.1236%
Non-Performing Loans Ratio (NPL)
0.36%
Total Assets
397,407,132
Total Amount of Shares and Deposits
339,027,654
Total Shares and Deposits < 1 Year
333,171,511
Total Shares and Deposits 1 3 Years
4,912,565
Total Shares and Deposits > 3 Years
943,579
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
23,849,735
Total Uninsured Shares and Deposits > $250K (F+J)
23,849,735
Total Insured Shares and Deposits > $250K (item 17 less item K)
315,177,919
Total Interest Expense (Sum of items 6 8)
2,524,934
Share Certificates
1,388
Number of Accounts for Share Drafts
17,517
IRA KEOGH Accounts
946
Number of Accounts for Regular Shares
30,489
All other shares
1,330
Money Market Shares
308
Net Income (unless the amount is already included in Undivided Earnings)
1,624,847
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)
16,955,584
Total Liabilities
359,528,005
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Add Your Rating and Review for Park City Credit Union
Frequently Asked Questions About Park City Credit UnionDoes Park City Credit Union offer CDs?Yes. Park City Credit Union current CD rates include its CD - 60 Month at 3.50% APY, its CD - 48 Month at 3.25% APY and its 12 Month My First CD at 3.00% APY, verified by MonitorBankRates as of October 30, 2026. Are CDs from Park City Credit Union NCUA insured?Yes. Park City Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at Park City Credit Union?The highest Park City Credit Union CD rate is its CD - 13 Month Special at 4.50% APY, verified by MonitorBankRates as of October 30, 2026. What CD terms does Park City Credit Union offer?Park City Credit Union CD rates are 2.50% APY for a 6 month CD, 3.00% APY for a 12 month CD, 0.65% APY for a 2 year CD, 3.00% APY for a 3 year CD, 3.25% APY for a 4 year CD and 3.50% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Park City Credit Union for its full lineup. What is the highest savings rate at Park City Credit Union?The highest Park City Credit Union savings rate is its Rewards Savings at 4.00% APY, verified by MonitorBankRates as of October 30, 2026. What is the highest money market rate at Park City Credit Union?The highest Park City Credit Union money market rate is its Gold Money Market at 2.50% APY, verified by MonitorBankRates as of October 30, 2026. What is the highest checking rate at Park City Credit Union?The highest Park City Credit Union checking rate is its PCCU Cash (Checking) at 5.00% APY, verified by MonitorBankRates as of October 30, 2026. What is the lowest mortgage rate at Park City Credit Union?The lowest Park City Credit Union mortgage rate is its Mortgage - 10 Year at 6.25%, verified by MonitorBankRates as of October 30, 2026. Park City Credit Union mortgage rates are 6.95% for a 30 year mortgage, 6.70% for a 20 year mortgage, 6.40% for a 15 year mortgage and 6.25% for a 10 year mortgage. What is the lowest auto loan rate at Park City Credit Union?The lowest Park City Credit Union auto loan rate is its Auto, Truck, Motorcycle, and Recreational Loan at 4.99% APR, verified by MonitorBankRates as of October 30, 2026. What is the lowest personal loan rate at Park City Credit Union?The lowest Park City Credit Union personal loan rate is its Unsecured / Personal Loans at 9.50%, verified by MonitorBankRates as of October 30, 2026. What is the lowest credit card APR at Park City Credit Union?The lowest Park City Credit Union credit card APR is its Visa Classic Credit Card at 10.75%, verified by MonitorBankRates as of October 30, 2026. How many branches does Park City Credit Union operate?Park City 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 Park City Credit Union?Yes, to access services at Park City 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, Park City 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, Park City Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Park City Credit Union offer online and mobile banking?Most modern institutions like Park City 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.parkcitycu.org. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Park City Credit Union rates compare?Park City Credit Union's CD rates are 8% lower than the MonitorBankRates national average, and it has an A+ health rating. Park City Credit Union's top rates are its CD - 13 Month Special at 4.50% APY, its Rewards Savings at 4.00% APY, its Gold Money Market at 2.50% APY, its PCCU Cash (Checking) at 5.00% APY, its Mortgage - 10 Year at 6.25%, its Unsecured / Personal Loans at 9.50% APR and its Visa Classic Credit Card at 10.75% APR, verified by MonitorBankRates on October 30, 2026. Current Park City Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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