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%

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PCM Credit Union

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PCM Credit Union Rates & Review October 2026

Q: 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.

Q: 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.

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 9, 2026

PCM Credit Union's top rates as of October 9, 2026 are 5.00% APY on its 14 Month CD Special, 7.50% APY on savings, 0.10% APY on checking, 6.38% on its Adjustable Rate Mortgage, personal loans from 7.49% APR, and credit cards from 13.99% APR, according to rates verified by MonitorBankRates. Other PCM Credit Union CD rates include 8 Month CD Special at 5.00%, 20 Month CD Special at 4.50%, and 13 Month CD Special at 4.25%. Other PCM Credit Union mortgage rates include Adjustable Rate Mortgage at 6.38%, Fixed Rate Mortgage at 6.38%, and Adjustable Rate Mortgage at 6.49%. 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 4.06%. Rates last updated and verified on 10/09/2026.

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 Q2 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

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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.

PCM Credit Union CD Rates

Product	Rate	APY	Term
14 Month Share Certificate Special	4.89%	5.00%	14 Month
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History No change since Oct 1, 2026 · 5.00% APY · checked 2 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 Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.40% → 5.00% ▲ 0.60 pts · high 5.00% / low 4.40% Oct 1, 20265.00%▲ from 4.40% Sep 14, 20264.40%first recorded 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 Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.50% APY · checked 4 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 Deposit $500 Min Balance $500 Details Flex Special: no penalty for early withdrawal. Not offered on IRAs. Last Updated 10/09/2026 Rate History No change since Oct 1, 2026 · 4.25% APY · checked 2 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 Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.80% → 4.15% ▲ 0.35 pts · high 4.15% / low 3.80% Oct 1, 20264.15%▲ from 3.80% Sep 14, 20263.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%
60 Month Share Certificate	4.07%	4.15%	60 Month
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.90% → 4.15% ▲ 0.25 pts · high 4.15% / low 3.90% Oct 1, 20264.15%▲ from 3.90% Sep 14, 20263.90%first recorded 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 Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75% Oct 1, 20264.00%▲ from 3.75% Sep 14, 20263.75%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 Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.25% → 3.50% ▲ 0.25 pts · high 3.50% / low 3.25% Oct 1, 20263.50%▲ from 3.25% Sep 14, 20263.25%first recorded 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 Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History No change since Oct 1, 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 Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 2.75% → 3.00% ▲ 0.25 pts · high 3.00% / low 2.75% Oct 1, 20263.00%▲ from 2.75% Sep 14, 20262.75%first recorded 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 Balance: Up to $500; See full reward savings details and account requirements here . Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.50% APY · checked 4 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 10/09/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 4 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 10/09/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 5 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 10/09/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%
Regular Share Savings	0.15%	0.15%
Min Deposit $5 Min Balance $100 Details Balance: $100+ Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%
Reward Savings	0.15%	0.15%
Min Balance $500 Details Balance: $500.01+ Last Updated 10/09/2026 Rate History No change since Sep 14, 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 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%

PCM Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Adjustable Rate Mortgage	6.375%	-	6.45%	20-Year Amortized
Details Loan is a fixed rate for 5 years. The maximum annual adjustment after the 5th year is 1%. The maximum lifetime adjustment is 4%. Private Mortgage Insurance (PMI) may be required, which will affect the APR. An Escrow is required for less than 20% equity. APR=Annual Percentage Rate. Rate listed is based on a $200,000 loan. Your loan's interest rate may be higher, subject to your credit score. Please contact a PCMCU loan officer for details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.05% → 6.45% ▲ 0.40 pts · high 6.45% / low 6.05% Oct 1, 20266.45%▲ from 6.05% Sep 14, 20266.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%
Adjustable Rate Mortgage	6.375%	-	6.467%	15-Year Amortized
Details Loan is a fixed rate for 5 years. The maximum annual adjustment after the 5th year is 1%. The maximum lifetime adjustment is 4%. Private Mortgage Insurance (PMI) may be required, which will affect the APR. An Escrow is required for less than 20% equity. APR=Annual Percentage Rate. Rate listed is based on a $200,000 loan. Your loan's interest rate may be higher, subject to your credit score. Please contact a PCMCU loan officer for details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.04% → 6.47% ▲ 0.43 pts · high 6.47% / low 6.04% Oct 1, 20266.47%▲ from 6.04% Sep 14, 20266.04%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%
Fixed Rate Mortgage	6.375%	-	6.498%	10-Year
Details Rates are subject to change at anytime. The 15 to 20 year fixed interest rate has a cap of $500,000 and a minimum credit score of 670. Your loan's interest rate may be higher, subject to your credit score. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 5.96% → 6.50% ▲ 0.54 pts · high 6.50% / low 5.96% Oct 1, 20266.50%▲ from 5.96% Sep 14, 20265.96%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%
Adjustable Rate Mortgage	6.49%	-	6.548%	30-Year Amortized
Details Loan is a fixed rate for 5 years. The maximum annual adjustment after the 5th year is 1%. The maximum lifetime adjustment is 4%. Private Mortgage Insurance (PMI) may be required, which will affect the APR. An Escrow is required for less than 20% equity. APR=Annual Percentage Rate. Rate listed is based on a $200,000 loan. Your loan's interest rate may be higher, subject to your credit score. Please contact a PCMCU loan officer for details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.11% → 6.55% ▲ 0.44 pts · high 6.55% / low 6.11% Oct 1, 20266.55%▲ from 6.11% Sep 14, 20266.11%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%
Fixed Rate Mortgage	6.625%	-	6.736%	12-Year
Details Rates are subject to change at anytime. The 15 to 20 year fixed interest rate has a cap of $500,000 and a minimum credit score of 670. Your loan's interest rate may be higher, subject to your credit score. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.20% → 6.74% ▲ 0.54 pts · high 6.74% / low 6.20% Oct 1, 20266.74%▲ from 6.20% Sep 14, 20266.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%
Fixed Rate Mortgage	6.99%	-	7.067%	20-Year
Details Rates are subject to change at anytime. The 15 to 20 year fixed interest rate has a cap of $500,000 and a minimum credit score of 670. Your loan's interest rate may be higher, subject to your credit score. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.54% → 7.07% ▲ 0.53 pts · high 7.07% / low 6.54% Oct 1, 20267.07%▲ from 6.54% Sep 14, 20266.54%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%
Fixed Rate Mortgage	6.99%	-	7.084%	15-Year
Details Rates are subject to change at anytime. The 15 to 20 year fixed interest rate has a cap of $500,000 and a minimum credit score of 670. Your loan's interest rate may be higher, subject to your credit score. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.55% → 7.08% ▲ 0.53 pts · high 7.08% / low 6.55% Oct 1, 20267.08%▲ from 6.55% Sep 14, 20266.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%
Fannie Mae Fixed Rate Mortgages	7.00%	-	7.113%	15-Year
Details Rates may vary based on credit score, amount of equity and purpose of the loan. Rates are subject to change at any time. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.61% → 7.11% ▲ 0.50 pts · high 7.11% / low 6.61% Oct 1, 20267.11%▲ from 6.61% Sep 14, 20266.61%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%
Fannie Mae Fixed Rate Mortgages	7.50%	-	7.572%	30-Year
Details Rates may vary based on credit score, amount of equity and purpose of the loan. Rates are subject to change at any time. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 7.20% → 7.57% ▲ 0.38 pts · high 7.57% / low 7.20% Oct 1, 20267.57%▲ from 7.20% Sep 14, 20267.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%
Fannie Mae Fixed Rate Mortgages	7.50%	-	7.593%	20-Year
Details Rates may vary based on credit score, amount of equity and purpose of the loan. Rates are subject to change at any time. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 7.22% → 7.59% ▲ 0.38 pts · high 7.59% / low 7.22% Oct 1, 20267.59%▲ from 7.22% Sep 14, 20267.22%first recorded 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 Lines of Credit	7.00%	-	7.00%
Details 80% Max LTV Variable Rate - Prime +0%. Variable Rates Adjust Quarterly according to the Wall Street Journal Prime. Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75% Oct 1, 20267.00%▲ from 6.75%* Sep 18, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%
Home Equity Loans	6.625%	-	7.056%
Details Home Equity Loan: 80% Max LTV Last Updated 10/09/2026 Rate History 1 change since Sep 22, 2026 · 6.75% → 7.06% ▲ 0.30 pts · high 7.06% / low 6.75% Oct 1, 20267.06%▲ from 6.75% Sep 22, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%
Home Equity Lines of Credit	8.00%	-	8.00%
Details 100% Max LTV Variable Rate - Prime +1%. Variable Rates Adjust Quarterly according to the Wall Street Journal Prime. Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 7.75% → 8.00% ▲ 0.25 pts · high 8.00% / low 7.75% Oct 1, 20268.00%▲ from 7.75%* Sep 18, 20267.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%
Home Equity Lines of Credit	11.49%	-	11.49%
Details 100% Max LTV Fixed Rate. Variable Rates Adjust Quarterly according to the Wall Street Journal Prime. Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 7.75% → 11.49% ▲ 3.74 pts · high 11.49% / low 7.75% Oct 1, 202611.49%▲ from 7.75%* Sep 18, 20267.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%

PCM Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
48-Month Auto Loan	-	-	4.74%	48-Month
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 13.99% → 4.74% ▼ 9.25 pts · high 13.99% / low 4.74% Oct 1, 20264.74%▼ 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 Credit Card Rates

Product	Rate	APR	View More
Rewards Mastercard & SimplyGo Mastercard	-	13.99%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 13.99% APR · checked 5 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 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%
Signature Loan	10.99%
Details Credit Score 735+ Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 10.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%
Signature Loan	11.99%
Details + 1% Credit Score 636-734 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 11.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%
Signature Loan	13.99%
Details + 3% Credit Score 635 or less Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 13.99% APR · checked 5 times 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 Loans	-	-	4.74%	48 Months
Details Credit Score 735+ Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 4.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%
Collateral Loans	-	-	4.74%	49-72 Months
Details Credit Score 735+ Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 4.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%
Collateral Loans	-	-	5.74%	73-84 Months
Details Credit Score 735+ Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 7.74% → 5.74% ▼ 2.00 pts · high 7.74% / low 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 Loans	-	-	5.74%	48 Months
Details + 1% Credit Score 636-734 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 5.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%
Collateral Loans	-	-	5.74%	49-72 Months
Details + 1% Credit Score 636-734 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 5.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%
Collateral Loans	-	-	6.74%	73-84 Months
Details + 1% Credit Score 636-734 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 7.74% → 6.74% ▼ 1.00 pts · high 7.74% / low 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 Loans	-	-	6.74%	48 Months
Details + 2% Credit Score 635 or less Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 6.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%
Collateral Loans	-	-	6.74%	49-72 Months
Details + 2% Credit Score 635 or less Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 6.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%
Collateral Loans	-	-	7.74%	73-84 Months
Details + 2% Credit Score 635 or less Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%
Construction Loan	6.49%	-	6.848%	12 Month
Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.37% → 6.85% ▲ 0.48 pts · high 6.85% / low 6.37% Oct 1, 20266.85%▲ from 6.37% Sep 14, 20266.37%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%
Equity Edge Loan	6.875%	-	7.307%
Details Equity Edge Loan: 100% Max LTV Last Updated 10/09/2026 Rate History 1 change since Sep 22, 2026 · 7.00% → 7.31% ▲ 0.31 pts · high 7.31% / low 7.00% Oct 9, 20267.31%▲ from 7.00% Sep 22, 20267.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%
Kwik Cash Loan	-	-	11.99%
Details Credit Score 735+ Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 11.99% APR · checked 5 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 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 12.99% APR · checked 5 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 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 14.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%
Vacant Land Loan	6.99%	-	7.133%
Details 90% Max LTV Purchase Last Updated 10/09/2026 Rate History 1 change since Sep 22, 2026 · 6.85% → 7.13% ▲ 0.28 pts · high 7.13% / low 6.85% Oct 9, 20267.13%▲ from 6.85% Sep 22, 20266.85%first recorded 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+; Dream.Save.WIN! early withdrawals within the first 12 months or withdrawals made after the first 12 months, and after the first 10 days of each calendar quarter will be subject to a penalty of $5.00 or 90 days dividends, whichever is greater, on the amount withdrawn at the rate in effect at the time of the withdrawal. See Official Rules and Disclosure . Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 4 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 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 4 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 10/09/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 4 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 10/09/2026 Rate History No change since Sep 14, 2026 · 1.25% APY · checked 4 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 10/09/2026 Rate History 1 change since Sep 14, 2026 · 1.25% → 1.50% ▲ 0.25 pts · high 1.50% / low 1.25% Oct 9, 20261.50%▲ from 1.25% Sep 14, 20261.25%first recorded 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 10/09/2026 Rate History 1 change since Sep 14, 2026 · 2.25% → 2.50% ▲ 0.25 pts · high 2.50% / low 2.25% Oct 9, 20262.50%▲ from 2.25% Sep 14, 20262.25%first recorded 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 10/09/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 4 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+; If balance falls below $2,500, the dividend rate will be the rate paid on Regular Shares. Share Savings Accounts are variable rate accounts which means the rate may change after the account is opened. Please contact the credit union for further information. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 4 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 10/09/2026 Rate History No change since Oct 1, 2026 · 1.25% APY · checked 2 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 10/09/2026 Rate History No change since Oct 1, 2026 · 1.50% APY · checked 2 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 10/09/2026 Rate History No change since Oct 1, 2026 · 1.75% APY · checked 2 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 10/09/2026 Rate History No change since Oct 1, 2026 · 2.75% APY · checked 2 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 10/09/2026 Rate History No change since Oct 1, 2026 · 3.25% APY · checked 2 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 10/09/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 5 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.
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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

Q2 2026 MBR Health & Safety Badge

PCM 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.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
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       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

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Frequently Asked Questions About PCM Credit Union

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 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 October 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 Auto Loan Rates

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

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?

Current PCM Credit Union Rates

Compare to Other Credit Unions