☰

New Report Fall 2026 Housing Affordability Report: every state is less affordable than in late August as average 30-year mortgage rates passed 7%. Read the report See your state’s current score

Home›
Credit Unions›
PCM Credit Union

iAdvertiser Disclosure

PCM Credit Union Rates & Review November 2026

Q: What are the current interest rates at PCM Credit Union?

Current rates for PCM Credit Union include: 12-Month CD: 4.25%, 18-Month CD: 3.50%, 24-Month CD: 3.50%, 60-Month CD: 4.15%, Savings: 7.50%

Q: What CD terms does PCM Credit Union offer?

PCM Credit Union CD rates are 4.25% APY for a 12 month CD, 3.50% APY for an 18 month CD, 3.50% APY for a 2 year CD, 3.50% APY for a 25 month CD, 4.00% APY for a 3 year CD, 4.15% APY for a 4 year CD and 4.15% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with PCM Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 29, 2026

PCM Credit Union's 48 Month CD rates are at 4.15%, 60 Month CD rates are at 4.15%, 30, 36 Month CD rates are at 4.00%, 9, 12, 18 Month CD rates are at 3.50%, 24, 25 Month CD rates are at 3.50%. PCM Credit Union's savings rates are at 7.50%. PCM Credit Union's checking rates are as high as 0.10%. PCM Credit Union's Adjustable Rate Mortgage - 20-Year Amortized rates are at 6.75%, Adjustable Rate Mortgage - 15-Year Amortized rates are at 6.75%, 10-Year Fixed Mortgage rates are at 6.75%, Adjustable Rate Mortgage - 30-Year Amortized rates are at 6.88%, 12-Year Fixed Mortgage rates are at 7.00%. PCM Credit Union's Personal Loan Rates are as low as 7.49%. PCM Credit Union's Credit Card Rates are at 13.99%. PCM Credit Union's CD rates are 35% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of PCM Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.06%. Rates last updated and verified on 10/29/2026.

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

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.06%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

PCM Credit Union
Green Bay Main Office

601 Willard Dr
Green Bay, WI 54304

https://www.pcmcu.org

Customer Reviews

Be the first to review

Write a Review

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.

PCM Credit Union CD Rates

Product	Rate	APY	Term
14 Month Share Certificate Special	4.89%	5.00%	14 Month
Min Balance $500 Details Specials are offered for a limited time only; early withdrawal penalty 180 days of dividends if over 1 year Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 5.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%
8 Month Share Certificate Special	4.89%	5.00%	8 Month
Min Balance $500 Details Specials are offered for a limited time only; early withdrawal penalty 90 days of dividends Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 5.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%
20 Month Share Certificate Special	4.41%	4.50%	20 Month
Min Balance $500 Details Specials are offered for a limited time only; early withdrawal penalty 180 days of dividends if over 1 year Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 4.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%
13 Month Share Certificate Special	4.17%	4.25%	13 Month
Min Balance $500 Details Flex Special: no penalty for early withdrawal; additional deposits of at least $100 allowed; not offered on IRAs; specials are offered for a limited time only Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 4.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%
48 Month Share Certificate	4.07%	4.15%	48 Month
Min Balance $500 Details Includes Roth and Traditional Share IRAs; dividends earned and posted monthly; early withdrawal penalty 180 days of dividends if over 1 year Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 4.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%
60 Month Share Certificate	4.07%	4.15%	60 Month
Min Balance $500 Details Includes Roth and Traditional Share IRAs; dividends earned and posted monthly; early withdrawal penalty 180 days of dividends if over 1 year Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 4.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%
30, 36 Month Share Certificate	3.93%	4.00%	30, 36 Month
Min Balance $500 Details Includes Roth and Traditional Share IRAs; dividends earned and posted monthly; early withdrawal penalty 180 days of dividends if over 1 year Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%
9, 12, 18 Month Share Certificate	3.45%	3.50%	9, 12, 18 Month
Min Balance $500 Details Includes Roth and Traditional Share IRAs; additional deposits of at least $100 allowed on terms of 1 year or less; dividends earned and posted monthly; early withdrawal penalty 90 days of dividends if 1 year or less Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.25% → 3.50% ▲ 0.25 pts · high 3.50% / low 3.25% Oct 29, 20263.50%▲ from 3.25% Sep 14, 20263.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%
24, 25 Month Share Certificate	3.45%	3.50%	24, 25 Month
Min Balance $500 Details Includes Roth and Traditional Share IRAs; dividends earned and posted monthly; early withdrawal penalty 180 days of dividends if over 1 year Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 3.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%
3, 6, 7 Month Share Certificate	2.96%	3.00%	3, 6, 7 Month
Min Balance $500 Details Includes Roth and Traditional Share IRAs; additional deposits of at least $100 allowed on terms of 1 year or less; dividends earned and posted monthly; early withdrawal penalty 90 days of dividends if 1 year or less Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%

PCM Credit Union Savings Rates

Product	Rate	APY
Reward Savings	7.25%	7.50%
Min Balance $0 Details Qualifying balance up to $500.00; see full reward savings details and account requirements Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 7.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%
Top Ten Shares	3.45%	3.50%
Min Balance $500,000 Details Balance: $500,000+ Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%
Super Shares (Includes ROTH, Traditional IRA, and CESA Share)	3.20%	3.25%
Min Balance $500,000 Details Balance: $500,000+ Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%
Top Ten Shares	3.20%	3.25%
Min Balance $200,000 Details Balance: $200,000 - $499,999 Last Updated 10/29/2026 Rate History No change since Oct 1, 2026 · 3.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%
Super Shares (Includes ROTH, Traditional IRA, and CESA Share)	2.96%	3.00%
Min Balance $200,000 Details Balance: $200,000 - $499,999 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 3.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%
Top Ten Shares	2.72%	2.75%
Min Balance $100,000 Details Balance: $100,000 - $199,999 Last Updated 10/29/2026 Rate History No change since Oct 1, 2026 · 2.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%
Super Shares (Includes ROTH, Traditional IRA, and CESA Share)	2.47%	2.50%
Min Balance $100,000 Details Balance: $100,000 - $199,999 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 2.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%
Top Ten Shares	1.74%	1.75%
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 10/29/2026 Rate History No change since Oct 1, 2026 · 1.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%
Super Shares (Includes ROTH, Traditional IRA, and CESA Share)	1.49%	1.50%
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 1.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%
Top Ten Shares	1.49%	1.50%
Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 10/29/2026 Rate History No change since Oct 1, 2026 · 1.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%
Super Shares (Includes ROTH, Traditional IRA, and CESA Share)	1.24%	1.25%
Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 1.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%
Top Ten Shares	1.24%	1.25%
Min Balance $5,000 Details Balance: $5,000 - $24,999 Last Updated 10/29/2026 Rate History No change since Oct 1, 2026 · 1.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%
FirstHome Savings	1.00%	1.00%
Min Balance $250 Details Balance: $250+ Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%
Super Shares (Includes ROTH, Traditional IRA, and CESA Share)	1.00%	1.00%
Min Balance $5,000 Details Balance: $5,000 - $24,999 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 1.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%
Health Savings Account	0.75%	0.75%
Min Balance $100 Details Balance: $100+ Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%
Super Shares (Includes ROTH, Traditional IRA, and CESA Share)	0.75%	0.75%
Min Balance $2,500 Details Balance: $2,500 - $4,999; if balance falls below $2,500, dividend rate is the Regular Share rate Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 0.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%
Holiday Club	0.50%	0.50%
Min Balance $25 Details Balance: $25+ Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%
Regular Share	0.15%	0.15%
Min Balance $100 Details Balance: $100+ Last Updated 10/29/2026 Rate History No change since Oct 1, 2026 · 0.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%
FirstHome Savings	0.00%	0.00%
Min Balance $0 Details Balance: $0-$249 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%
Regular Share	0.00%	0.00%
Min Balance $0 Details Balance: $0 - $99 Last Updated 10/29/2026 Rate History No change since Oct 1, 2026 · 0.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%

PCM Credit Union Checking Rates

Product	Rate	APY	View More
Checking	0.10%	0.10%
Min Balance $5,000 Details Balance: $5,000+ Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%

PCM Credit Union Mortgage Rates

Product	Rate	Points	APR
Adjustable Rate Mortgage - 20-Year Amortized	6.75%	-	6.825%
Details Fixed rate for 5 years; based on $200,000 loan; PMT/$1K $7.61 Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 6.45% → 6.83% ▲ 0.38 pts · high 6.83% / low 6.45% Oct 19, 20266.83%▲ from 6.45% Oct 13, 20266.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%
Adjustable Rate Mortgage - 15-Year Amortized	6.75%	-	6.842%
Details Fixed rate for 5 years; based on $200,000 loan; PMT/$1K $8.85 Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 6.47% → 6.84% ▲ 0.38 pts · high 6.84% / low 6.47% Oct 19, 20266.84%▲ from 6.47% Oct 13, 20266.47%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%
10-Year Fixed Mortgage	6.75%	-	6.874%
Details Based on $200,000 loan; PMT/$1K $11.49 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 6.87% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%
Adjustable Rate Mortgage - 30-Year Amortized	6.875%	-	6.933%
Details Fixed rate for 5 years; based on $200,000 loan; PMT/$1K $6.57 Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 6.55% → 6.93% ▲ 0.38 pts · high 6.93% / low 6.55% Oct 19, 20266.93%▲ from 6.55% Oct 13, 20266.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%
12-Year Fixed Mortgage	7.00%	-	7.11%
Details Based on $200,000 loan; PMT/$1K $10.29 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 7.11% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%
Fannie Mae Fixed Rate Mortgage - 15-Year Fixed	7.00%	-	7.113%
Details PMT/$1K $8.31 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 7.11% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%
20-Year Fixed Mortgage	7.49%	-	7.567%
Details Based on $200,000 loan; cap $500,000; minimum credit score 670; PMT/$1K $8.06 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 7.57% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%
Fannie Mae Fixed Rate Mortgage - 30-Year Fixed	7.50%	-	7.572%
Details PMT/$1K $6.00 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 7.57% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%
15-Year Fixed Mortgage	7.49%	-	7.584%
Details Based on $200,000 loan; cap $500,000; minimum credit score 670; PMT/$1K $9.27 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 7.58% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%
Fannie Mae Fixed Rate Mortgage - 20-Year Fixed	7.50%	-	7.593%
Details PMT/$1K $7.17 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 7.59% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%

PCM Credit Union Home Equity & HELOC

Product	Rate	Points	APR
Home Equity Line of Credit - 80% Max LTV Variable Rate - Prime +0%	7.00%	-	7.00%
Details Rate: Prime +0%; APR range Min. 4.49% Max. 11%; adjusts quarterly to WSJ Prime; PMT/$1K $10.00 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 7.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%
Home Equity Loan - 80% Max LTV	6.99%	-	7.424%
Details PMT/$1K $8.99 Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 7.06% → 7.42% ▲ 0.37 pts · high 7.42% / low 7.06% Oct 19, 20267.42%▲ from 7.06% Oct 13, 20267.06%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%
Home Equity Line of Credit - 100% Max LTV Variable Rate - Prime +1%	8.00%	-	8.00%
Details Rate: Prime +1%; APR range Min. 4.49% Max. 11%; adjusts quarterly to WSJ Prime; PMT/$1K $10.00 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 8.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%
Home Equity Line of Credit - 100% Max LTV Fixed Rate	11.49%	-	11.49%
Details PMT/$1K $20.00 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 11.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%

PCM Credit Union Credit Card Rates

Product	Rate	APR	View More
Rewards Mastercard & SimplyGo Mastercard	-	13.99%
Details PMT/$1K $20.00 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 13.99% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%

PCM Credit Union Personal Loan Rates

Product	APR	Term
Home Improvement Personal Loan	7.49%	Up to 15 Years
Details No collateral required; PMT/$1K $9.27 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.49% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%
Signature Loan	11.24%
Details Credit Score 735+; PMT/$1K $21.86 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 10.99% → 11.24% ▲ 0.25 pts · high 11.24% / low 10.99% Oct 19, 202611.24%▲ from 10.99% Sep 14, 202610.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%
Signature Loan	12.24%
Details +1% Credit Score 636-734; PMT/$1K $22.37 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 11.99% → 12.24% ▲ 0.25 pts · high 12.24% / low 11.99% Oct 19, 202612.24%▲ from 11.99% Sep 14, 202611.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%
Signature Loan	14.24%
Details +3% Credit Score 635 or less; PMT/$1K $23.39 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 13.99% → 14.24% ▲ 0.25 pts · high 14.24% / low 13.99% Oct 19, 202614.24%▲ from 13.99% Sep 14, 202613.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%

PCM Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Collateral Loan	-	-	4.99%	48 Months
Details Credit Score 735+; PMT/$1K $23.03 Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 4.74% → 4.99% ▲ 0.25 pts · high 4.99% / low 4.74% Oct 19, 20264.99%▲ from 4.74% Sep 18, 20264.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%
Collateral Loan	-	-	4.99%	49-72 Months
Details Credit Score 735+; PMT/$1K $16.10 Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 4.74% → 4.99% ▲ 0.25 pts · high 4.99% / low 4.74% Oct 19, 20264.99%▲ from 4.74% Sep 18, 20264.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%
Collateral Loan	-	-	5.99%	73-84 Months
Details Credit Score 735+; PMT/$1K $14.61 Last Updated 10/29/2026 Rate History 2 changes since Sep 14, 2026 · 7.74% → 5.99% ▼ 1.75 pts · high 7.74% / low 5.74% Oct 19, 20265.99%▲ from 5.74% Sep 18, 20265.74%▼ from 7.74% Sep 14, 20267.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%
Collateral Loan	-	-	5.99%	48 Months
Details +1% Credit Score 636-734; PMT/$1K $23.48 Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 5.74% → 5.99% ▲ 0.25 pts · high 5.99% / low 5.74% Oct 19, 20265.99%▲ from 5.74% Sep 18, 20265.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%
Collateral Loan	-	-	5.99%	49-72 Months
Details +1% Credit Score 636-734; PMT/$1K $16.57 Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 5.74% → 5.99% ▲ 0.25 pts · high 5.99% / low 5.74% Oct 19, 20265.99%▲ from 5.74% Sep 18, 20265.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%
Collateral Loan	-	-	6.99%	73-84 Months
Details +1% Credit Score 636-734; PMT/$1K $15.09 Last Updated 10/29/2026 Rate History 2 changes since Sep 14, 2026 · 7.74% → 6.99% ▼ 0.75 pts · high 7.74% / low 6.74% Oct 19, 20266.99%▲ from 6.74% Sep 18, 20266.74%▼ from 7.74% Sep 14, 20267.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%
Collateral Loan	-	-	6.99%	48 Months
Details +2% Credit Score 635 or less; PMT/$1K $23.94 Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 6.74% → 6.99% ▲ 0.25 pts · high 6.99% / low 6.74% Oct 19, 20266.99%▲ from 6.74% Sep 18, 20266.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%
Collateral Loan	-	-	6.99%	49-72 Months
Details +2% Credit Score 635 or less; PMT/$1K $17.05 Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 6.74% → 6.99% ▲ 0.25 pts · high 6.99% / low 6.74% Oct 19, 20266.99%▲ from 6.74% Sep 18, 20266.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%
Collateral Loan	-	-	7.99%	73-84 Months
Details +2% Credit Score 635 or less; PMT/$1K $15.59 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 7.74% → 7.99% ▲ 0.25 pts · high 7.99% / low 7.74% Oct 19, 20267.99%▲ from 7.74% Sep 14, 20267.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%
Construction Loan - 12 Month	6.875%	-	8.214%	12 Month
Details Based on $200,000 loan; PMT/$1K $5.73 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 8.21% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%
Equity Edge Loan - 100% Max LTV	7.24%	-	7.675%
Details PMT/$1K $9.13 Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 7.31% → 7.68% ▲ 0.37 pts · high 7.68% / low 7.31% Oct 19, 20267.68%▲ from 7.31% Oct 13, 20267.31%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%
Kwik Cash Loan	-	-	11.99%
Details Credit Score 735+; PMT/$1K $20.00 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 11.99% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%
Kwik Cash Loan	-	-	12.99%
Details +1% Credit Score 636-734; PMT/$1K $20.00 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 12.99% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%
Kwik Cash Loan	-	-	14.99%
Details +3% Credit Score 635 or less; PMT/$1K $20.00 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 14.99% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%
Vacant Land - 80% Max LTV Refinance	6.99%	-	7.133%
Details PMT/$1K $8.99 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 7.13% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%
Vacant Land - 90% Max LTV Purchase Loan	6.99%	-	7.133%
Details PMT/$1K $8.99 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 7.13% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%
Dream.Save.Win!	0.75%	-	0.75%
Min Balance $100 Details Balance: $100+; early withdrawal penalty of $5.00 or 90 days dividends, whichever is greater Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%

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.

Financial Health History

PCM Credit Union’s Texas Ratio rose from 1.54% in Q3 2023 to 4.06% 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

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$515M	4.06%	5.0	A+
March 31, 2026	$511M	3.70%	5.0	A+
December 31, 2025	$501M	3.55%	5.0	A+
September 30, 2025	$498M	3.56%	5.0	A+
June 30, 2025	$487M	3.33%	5.0	A+
March 31, 2025	$476M	2.06%	5.0	A+
December 31, 2024	$468M	2.18%	5.0	A+
September 30, 2024	$465M	2.37%	5.0	A+
June 30, 2024	$460M	1.19%	5.0	A+
March 31, 2024	$457M	1.78%	5.0	A+
December 31, 2023	$450M	1.21%	5.0	A+
September 30, 2023	$449M	1.54%	5.0	A+

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 PCM 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 PCM 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 PCM Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name PCM Credit Union

Website https://www.pcmcu.org

Address 601 Willard Dr, Green Bay, WI 54304

Phone 920-499-2831

Fax 920-499-7548

President Jeff Burich

CEO Shelly Mellenberger

Full-Time Employees 50

Part-Time Employees 2

Branch Locations 3

ATM Locations 3

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

4.06%

Return on Assets (ROA)

0.4794%

Return on Equity (ROE)

4.5552%

Non-Performing Loans Ratio (NPL)

0.61%

Total Assets

514,588,911

Total Amount of Shares and Deposits

417,623,062

Total Shares and Deposits < 1 Year

378,198,406

Total Shares and Deposits 1 3 Years

32,562,408

Total Shares and Deposits > 3 Years

6,862,248

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

75,202,948

Total Uninsured Shares and Deposits > $250K (F+J)

75,202,948

Total Insured Shares and Deposits > $250K (item 17 less item K)

342,420,114

Total Interest Expense (Sum of items 6 8)

6,097,345

Share Certificates

4,242

Number of Accounts for Share Drafts

10,148

IRA KEOGH Accounts

1,078

Number of Accounts for Regular Shares

21,481

All other shares

1,348

Money Market Shares

2,284

Net Income (unless the amount is already included in Undivided Earnings)

2,466,870

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)

7,595,702

Total Liabilities

462,965,745

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

PCM Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 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, and this profile page always shows the latest results, so the code never needs to change.

<a href="https://www.monitorbankrates.com/credit-unions/pcm-credit-union-rates-review-66424">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for PCM Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for PCM Credit Union

Frequently Asked Questions About PCM Credit Union

Does PCM Credit Union offer CDs?

Yes. PCM Credit Union current CD rates include its 48 Month CD at 4.15% APY, its 60 Month CD at 4.15% APY and its 30, 36 Month CD at 4.00% APY, verified by MonitorBankRates as of October 29, 2026.

Are CDs from PCM Credit Union NCUA insured?

Yes. PCM 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 PCM Credit Union?

The highest PCM Credit Union CD rate is its 14 Month CD Special at 5.00% APY, verified by MonitorBankRates as of October 29, 2026.

What CD terms does PCM Credit Union offer?

PCM Credit Union CD rates are 4.25% APY for a 12 month CD, 3.50% APY for an 18 month CD, 3.50% APY for a 2 year CD, 3.50% APY for a 25 month CD, 4.00% APY for a 3 year CD, 4.15% APY for a 4 year CD and 4.15% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with PCM Credit Union for its full lineup.

What is the highest savings rate at PCM Credit Union?

The highest PCM Credit Union savings rate is its FirstHome Savings at 1.00% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest checking rate at PCM Credit Union?

The highest PCM Credit Union checking rate is its Checking at 0.10% APY, verified by MonitorBankRates as of October 29, 2026.

What is the lowest 30 year fixed mortgage rate at PCM Credit Union?

The lowest PCM Credit Union 30 year fixed mortgage rate is its Fannie Mae Fixed Rate Mortgage - 30-Year Fixed at 7.50%, verified by MonitorBankRates as of October 29, 2026. PCM Credit Union mortgage rates are 6.875% for a 30 year mortgage, 6.75% for a 20 year mortgage, 6.75% for a 15 year mortgage, 7.00% for a 12 year mortgage and 6.75% for a 10 year mortgage.

What is the lowest personal loan rate at PCM Credit Union?

The lowest PCM Credit Union personal loan rate is its Home Improvement Personal Loan at 7.49% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest credit card APR at PCM Credit Union?

The lowest PCM Credit Union credit card APR is its Rewards Mastercard & SimplyGo Mastercard Credit Card at 13.99% APR, verified by MonitorBankRates as of October 29, 2026.

How many branches does PCM Credit Union operate?

PCM 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 PCM Credit Union?

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

Does PCM Credit Union offer online and mobile banking?

Most modern institutions like PCM 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.pcmcu.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 PCM Credit Union rates compare?

PCM Credit Union's CD rates are 35% higher than the MonitorBankRates national average, and it has an A+ health rating. PCM Credit Union's top rates are its 14 Month CD Special at 5.00% APY, its Reward Savings at 7.50% APY, its Checking at 0.10% APY, its Adjustable Rate Mortgage - 20-Year Amortized at 6.75%, its Home Improvement Personal Loan at 7.49% APR and its Rewards Mastercard & SimplyGo Mastercard Credit Card at 13.99% APR, verified by MonitorBankRates on October 29, 2026.

Current PCM Credit Union Rates

12-Month CD4.25%
18-Month CD3.50%
24-Month CD3.50%
60-Month CD4.15%
Savings7.50%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

PCM Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

PCM Credit Union Texas Ratio

PCM Credit Union Health Trend

PCM Credit Union CD Rates

PCM Credit Union Savings Rates

PCM Credit Union Checking Rates

PCM Credit Union Mortgage Rates

PCM Credit Union Home Equity & HELOC

PCM Credit Union Credit Card Rates

PCM Credit Union Personal Loan Rates

PCM Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

PCM Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About PCM Credit Union

Does PCM Credit Union offer CDs?

Are CDs from PCM Credit Union NCUA insured?

What is the highest CD rate at PCM Credit Union?

What CD terms does PCM Credit Union offer?

What is the highest savings rate at PCM Credit Union?

What is the highest checking rate at PCM Credit Union?

What is the lowest 30 year fixed mortgage rate at PCM Credit Union?

What is the lowest personal loan rate at PCM Credit Union?

What is the lowest credit card APR at PCM Credit Union?

How many branches does PCM Credit Union operate?

Is a member application needed to join PCM Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does PCM Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do PCM Credit Union rates compare?

Current PCM Credit Union Rates

Compare to Other Credit Unions