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PCM Credit Union Rates & Review March 2026

PCM Credit Union's CD Specials 15 Month rates are at 4.00%, CD Specials 7.5 Month rates are at 4.00%, CDs 48 Month rates are at 4.00%, CDs 60 Month rates are at 4.00%, CD Specials 13 Month* rates are at 3.75%. PCM Credit Union's savings rates are at 0.00%. PCM Credit Union's Fixed Rate Mortgage 10-Year Fixed rates are at 5.49%, Fannie Mae Fixed Rate Mortgages 15-Year Fixed rates are at 5.50%, Adjustable Rate Mortgage 15-Year Amortized rates are at 5.62%, Adjustable Rate Mortgage 20-Year Amortized rates are at 5.62%, Adjustable Rate Mortgage 30-Year Amortized rates are at 5.74%. PCM Credit Union's Personal Loan Rates are at 8.49%. 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 3.63%. Rates were last updated on 03/24/2026.

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.

Overall Health & Safety Grade ?
A+
Exceptional Health Score: 98/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
3.63%
Excellent Lower than avg
PCM Credit Union
Green Bay Branch
601 Willard Dr
Green Bay, WI 54304
https://www.pcmcu.org
Member NCUA

PCM Credit Union CD Rates

Product Rate APY Term View More
Share Certificate Specials 15 Month 3.93% 4.00% 15
Min Deposit $500
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.63%
Share Certificate Specials 7.5 Month 3.93% 4.00% 7.5
Min Deposit $500
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.63%
Share Certificates 48 Month 3.93% 4.00% 48
Min Deposit $500
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.63%
Share Certificates 60 Month 3.93% 4.00% 60
Min Deposit $500
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.63%
Share Certificate Specials 13 Month* 3.69% 3.75% 13
Min Deposit $500
Details No penalty for early withdrawal. Not offered on IRAs.
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.63%
Share Certificates 30 Month 3.69% 3.75% 30
Min Deposit $500
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.63%
Share Certificates 36 Month 3.69% 3.75% 36
Min Deposit $500
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.63%
Share Certificates 12 Month 3.20% 3.25% 12
Min Deposit $500
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.63%
Share Certificates 18 Month 3.20% 3.25% 18
Min Deposit $500
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.63%
Share Certificates 24 Month 3.20% 3.25% 24
Min Deposit $500
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.63%
Share Certificates 25 Month 3.20% 3.25% 25
Min Deposit $500
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.63%
Share Certificates 9 Month 3.20% 3.25% 9
Min Deposit $500
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.63%
Share Certificates 3 Month 2.72% 2.75% 3
Min Deposit $500
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.63%
Share Certificates 6 Month 2.72% 2.75% 6
Min Deposit $500
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.63%
Share Certificates 7 Month 2.72% 2.75% 7
Min Deposit $500
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.63%

PCM Credit Union Savings Rates

Product Rate APY View More
Reward Savings 7.25% 7.50%
Details Qualifying balance up to $500.00
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.63%
HomeReady Savings 1.00% 1.00%
Min Balance $250
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.63%
Health Savings Account 0.75% 0.75%
Min Balance $100
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.63%
Holiday Club 0.50% 0.50%
Min Balance $25
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.63%
HomeReady Savings - 0.00%
No additional details.
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.63%

PCM Credit Union Checking Rates

Product Rate APY View More
Checking 0.10% 0.10%
Min Balance $5,000
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.63%

PCM Credit Union Mortgage Rates

Product Rate Points APR Term View More
Fixed Rate Mortgage 10-Year Fixed 5.49% - 5.54%
No additional details.
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.63%
Fannie Mae Fixed Rate Mortgages 15-Year Fixed 5.50% - 5.61%
No additional details.
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.63%
Adjustable Rate Mortgage 15-Year Amortized 5.63% - 5.66%
No additional details.
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.63%
Adjustable Rate Mortgage 20-Year Amortized 5.63% - 5.67%
No additional details.
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.63%
Adjustable Rate Mortgage 30-Year Amortized 5.74% - 5.76%
No additional details.
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.63%
Fixed Rate Mortgage 12-Year Fixed 5.74% - 5.78%
No additional details.
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.63%
Fixed Rate Mortgage 20-Year Fixed 5.88% - 5.91%
No additional details.
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.63%
Fixed Rate Mortgage 15-Year Fixed 5.88% - 5.91%
No additional details.
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.63%
Fannie Mae Fixed Rate Mortgages 30-Year Fixed 6.13% - 6.19%
No additional details.
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.63%
Fannie Mae Fixed Rate Mortgages 20-Year Fixed 6.13% - 6.21%
No additional details.
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.63%

PCM Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity Loan: 80% Max LTV 5.99% - 6.46%
No additional details.
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.63%
Home Equity Lines of Credit 80% Max LTV Variable Rate - Prime +0%* 6.75% - 6.75%
Details Min. 4.49% Max. 11%
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.63%
Home Equity Lines of Credit 100% Max LTV Variable Rate - Prime +1%* 7.75% - 7.75%
Details Min. 4.49% Max. 11%
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.63%
Home Equity Lines of Credit 100% Max LTV Fixed Rate 10.99% - 10.99%
No additional details.
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.63%

PCM Credit Union Credit Card Rates

Product Rate APR View More
Rewards Mastercard - 13.99%
Details Available credit limit $10,000 - $25,000; No annual fee for the first year; $49 annual fee can be waived if you maintain a [PCMCU Rewards Savings](https://pcmcu.org/accounts/savings/), including all of its required services, plus enroll in electronic statements on all accounts; No balance transfer fee; No cash advance fee
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.63%
Rewards Mastercard & SimplyGo Mastercard - 13.99%
No additional details.
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.63%
SimplyGo Mastercard - 13.99%
Details Available credit limit $1,000 - $25,000; No foreign transaction fee (great for travel!); No annual fee; No balance transfer fee; No cash advance fee; No over-the-limit fee
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.63%

PCM Credit Union Personal Loan Rates

Product Rate APR View More
Home Improvement Personal Loan - 8.49%
Details Up to 15 Years (no collateral required)
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.63%

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
Address 601 Willard Dr, Green Bay, WI 54304
Phone 920-499-2831
Fax 920-499-7548
President Karen Sylvester
CEO Shelly Mellenberger
Full-Time Employees 47
Part-Time Employees 3
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
3.63%
Return on Assets (ROA)
0.4542%
Return on Equity (ROE)
4.4442%
Non-Performing Loans Ratio (NPL)
0.52%
Total Assets
498,320,989
Total Amount of Shares and Deposits
396,871,726
Total Shares and Deposits < 1 Year
367,378,959
Total Shares and Deposits 1 3 Years
22,853,989
Total Shares and Deposits > 3 Years
6,638,779
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
69,819,517
Total Uninsured Shares and Deposits > $250K (F+J)
69,819,517
Total Insured Shares and Deposits > $250K (item 17 less item K)
327,052,209
Total Interest Expense (Sum of items 6 8)
9,170,707
Share Certificates
4,017
Number of Accounts for Share Drafts
10,100
IRA KEOGH Accounts
1,095
Number of Accounts for Regular Shares
21,128
All other shares
1,352
Money Market Shares
2,273
Net Income (unless the amount is already included in Undivided Earnings)
2,293,228
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
9,553,020
Total Liabilities
449,256,672
Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Total Reviews
0
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Frequently Asked Questions About PCM Credit Union

Is PCM Credit Union a safe place to deposit money?

Yes, PCM Credit Union is considered a safe financial institution. With a Texas Ratio of 3.6269288745109%, 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 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.

Current PCM Credit Union Rates

  • 12-Month CD3.25%
  • 18-Month CD3.25%
  • 24-Month CD3.25%
  • 60-Month CD4.00%
  • Savings0.00%
Retrieved from our database of financial products. Rates subject to change.