What are the current interest rates at Peninsula Community Federal Credit Union?

Current rates for Peninsula Community Federal Credit Union include: 12-Month CD: 3.50%, 18-Month CD: 2.90%, 24-Month CD: 2.75%, 60-Month CD: 2.50%, Savings: 0.20%, MMA: 0.75%

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Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results

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Peninsula Community Federal Credit Union

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Peninsula Community Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Peninsula Community Federal 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 12, 2026

Peninsula Community Federal Credit Union's top rates as of October 12, 2026 are 3.50% APY on its 12 Month CD, 0.20% APY on savings, 0.75% APY on money market accounts, 4.00% APY on checking, rv, boat and powersport loans from 10.64% APR, and credit cards from 11.25% APR, according to rates verified by MonitorBankRates. Other Peninsula Community Federal Credit Union CD rates include 12 Month IRA CD at 3.50%, 12 Month Save To Win CD at 3.50%, and 6 Month CD at 3.20%. MonitorBankRates evaluates the financial stability of Peninsula Community Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.60%. Rates last updated and verified on 10/12/2026.

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

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.60%

Excellent Lower than avg

Health Trend

Steady 12 quarters

Full history ›

Peninsula Community Federal Credit Union
Shelton Administrative Office and Branch Location

521 W Railroad Ave
Shelton, WA 98584-3520

https://www.pcfcu.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.

Peninsula Community Federal Credit Union CD Rates

Product	Rate	APY	Term
12 Month Certificate	3.455%	3.50%	12 Month
Min Deposit $500 Min Balance $500 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
12 Month IRA Certificate	3.455%	3.50%	12 Month
Min Deposit $500 Min Balance $500 Details IRA Certificates are available for all terms excluding Save to Win Certificates and Specials Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
12 Month Save To Win Certificate	3.455%	3.50%	12 Month
Min Deposit $25 Min Balance $25 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 3.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
6 Month Certificate	3.162%	3.20%	6 Month
Min Deposit $500 Min Balance $500 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.20% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
6 Month IRA Certificate	3.162%	3.20%	6 Month
Min Deposit $500 Min Balance $500 Details IRA Certificates are available for all terms excluding Save to Win Certificates and Specials Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
18 Month Certificate	2.869%	2.90%	18 Month
Min Deposit $500 Min Balance $500 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 2.90% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
18 Month IRA Certificate	2.869%	2.90%	18 Month
Min Deposit $500 Min Balance $500 Details IRA Certificates are available for all terms excluding Save to Win Certificates and Specials Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 2.90% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
24 Month Certificate	2.722%	2.75%	24 Month
Min Deposit $500 Min Balance $500 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 2.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
24 Month IRA Certificate	2.722%	2.75%	24 Month
Min Deposit $500 Min Balance $500 Details IRA Certificates are available for all terms excluding Save to Win Certificates and Specials Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 2.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
36 Month Certificate	2.477%	2.50%	36 Month
Min Deposit $500 Min Balance $500 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 2.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
36 Month IRA Certificate	2.477%	2.50%	36 Month
Min Deposit $500 Min Balance $500 Details IRA Certificates are available for all terms excluding Save to Win Certificates and Specials Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 2.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
48 Month Certificate	2.477%	2.50%	48 Month
Min Deposit $500 Min Balance $500 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 2.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
48 Month IRA Certificate	2.477%	2.50%	48 Month
Min Deposit $500 Min Balance $500 Details IRA Certificates are available for all terms excluding Save to Win Certificates and Specials Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 2.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
60 Month Certificate	2.477%	2.50%	60 Month
Min Deposit $500 Min Balance $500 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 2.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
60 Month IRA Certificate	2.477%	2.50%	60 Month
Min Deposit $500 Min Balance $500 Details IRA Certificates are available for all terms excluding Save to Win Certificates and Specials Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 2.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
26 Month Add-on Certificate	2.231%	2.25%	26 Month
Min Deposit $500 Min Balance $500 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 2.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
26 Month IRA Certificate	2.231%	2.25%	26 Month
Min Deposit $500 Min Balance $500 Details Term: 26 Month Add-on Certificate; IRA Certificates are available for all terms excluding Save to Win Certificates and Specials Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 2.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
30 Month Bump-Rate Certificate	2.231%	2.25%	30 Month
Min Deposit $500 Min Balance $500 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 2.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
30 Month IRA Certificate	2.231%	2.25%	30 Month
Min Deposit $500 Min Balance $500 Details Term: 30 Month Bump-Rate Certificate; IRA Certificates are available for all terms excluding Save to Win Certificates and Specials Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 2.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%

Peninsula Community Federal Credit Union Savings Rates

Product	Rate	APY	View More
Basic Savings IRA	0.20%	0.20%
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.20% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%

Peninsula Community Federal Credit Union Business Savings Rates

Product	Rate	APY	View More
Regular Shares, Save to Win, Christmas Club & Business Accounts	0.05%	0.05%
Min Deposit $5 Min Balance $100 Details Save to Win shares are only available to members age 18 and above, and are subject to distinctive rules. Dividends are declared and paid monthly and calculated on the average daily balance. If your average daily balance is below $100.00 ($5.00 for accounts held by those under 18 years of age), no dividends are earned. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%

Peninsula Community Federal Credit Union Money Market Rates

Product	Rate	APY
Shares Plus - Money Market Account	0.75%	0.75%
Min Balance $100,000 Details Balance: $100,000 and up Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Shares Plus - Money Market Account	0.65%	0.65%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.65% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Shares Plus - Money Market Account	0.45%	0.45%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.45% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Shares Plus - Money Market Account	0.35%	0.35%
Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.35% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Shares Plus - Money Market Account	0.30%	0.30%
Min Balance $2,500 Details Balance: $2,500 - $9,999.99 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%

Peninsula Community Federal Credit Union Checking Rates

Product	Rate	APY
Vista Premier Checking Account	3.94%	4.00%
Min Balance $0 Details Qualifications Required: 15 purchase transactions (minimum of $5 each); enrolled in e- statements; Balance: $0 up to $10,000.00 (Requirements met); Rates effective as of July 13, 2026; DIVIDENDS are declared and paid monthly and calculated on the average daily balance. To earn Vista's premium dividend on the first $10,000 in the account, you must use your cash/check (debit) card for 15 purchase transactions (minimum of $5 each) and be enrolled in e- statements. For qualification purposes, purchases must post during the calendar month.. APYE calculated and shown on the periodic statements is based on the dividend limitations shown above. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 4.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Vista Basic Checking	1.98%	2.00%
Min Balance $0 Details Balance: $0 up to $10,000.00; Qualifications Required; Vista Premier Checking Account Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 2.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Vista Premier Checking Account	0.01%	0.01%
Min Balance $0 Details Balance: $0 up to $10,000.00 (Requirements not met); Rates effective as of July 13, 2026; DIVIDENDS are declared and paid monthly and calculated on the average daily balance. To earn Vista's premium dividend on the first $10,000 in the account, you must use your cash/check (debit) card for 15 purchase transactions (minimum of $5 each) and be enrolled in e- statements. For qualification purposes, purchases must post during the calendar month.. APYE calculated and shown on the periodic statements is based on the dividend limitations shown above. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.01% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%

Peninsula Community Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan	-	-	8.05%	Up to 84 months
Details Loan-to-Value: 85%; As Low As; Rates effective as of October 1, 2026. APR = Annual Percentage Rate. Rates based on term, Loan to Value, and creditworthiness. All offers, rates, and terms are subject to change at any time. membership eligibility and credit qualifications apply. Property must be located in Washington State. Property insurance required, flood insurance may be required. Ask about additional fees that may apply, including appraisal fees if required. Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 8.09% → 8.05% ▼ 0.04 pts · high 8.09% / low 8.05% Oct 2, 20268.05%▼ from 8.09% Sep 16, 20268.09%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Home Equity Loan	-	-	8.35%	Up to 120 months
Details Loan-to-Value: 85%; As Low As; Rates effective as of October 1, 2026. APR = Annual Percentage Rate. Rates based on term, Loan to Value, and creditworthiness. All offers, rates, and terms are subject to change at any time. membership eligibility and credit qualifications apply. Property must be located in Washington State. Property insurance required, flood insurance may be required. Ask about additional fees that may apply, including appraisal fees if required. Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 8.39% → 8.35% ▼ 0.04 pts · high 8.39% / low 8.35% Oct 2, 20268.35%▼ from 8.39% Sep 16, 20268.39%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Home Equity Loan	-	-	8.90%	Up to 240 months
Details Loan-to-Value: 100%; As Low As; Manufactured homes not eligible; Rates effective as of October 1, 2026. APR = Annual Percentage Rate. Rates based on term, Loan to Value, and creditworthiness. All offers, rates, and terms are subject to change at any time. membership eligibility and credit qualifications apply. Property must be located in Washington State. Property insurance required, flood insurance may be required. Ask about additional fees that may apply, including appraisal fees if required. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 8.90% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Home Equity Loan	-	-	9.65%	Up to 360 months
Details Loan-to-Value: 100%; As Low As; Manufactured homes not eligible; Rates effective as of October 1, 2026. APR = Annual Percentage Rate. Rates based on term, Loan to Value, and creditworthiness. All offers, rates, and terms are subject to change at any time. membership eligibility and credit qualifications apply. Property must be located in Washington State. Property insurance required, flood insurance may be required. Ask about additional fees that may apply, including appraisal fees if required. Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 9.58% → 9.65% ▲ 0.07 pts · high 9.65% / low 9.58% Oct 2, 20269.65%▲ from 9.58% Sep 16, 20269.58%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%

Peninsula Community Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto & Truck	-	-	5.65%	60 months
Details Purchase/Refi*** Loan-to-Value: 125%; Additional Terms: Max mileage 150k / 200k Diesel Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.65% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Autos & Trucks	-	-	5.65%	60 months
Details Max mileage 150k / 200k Diesel Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 5.65% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Auto & Truck	-	-	5.80%	72 months
Details Purchase/Refi*** Loan-to-Value: 125%; Additional Terms: Max mileage 150k / 200k Diesel Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.80% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Autos & Trucks	-	-	5.80%	72 months
Details Max mileage 150k / 200k Diesel Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 5.80% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Auto & Truck	-	-	6.35%	84 months
Details Purchase/Refi*** Loan-to-Value: 125%; Additional Terms: Max mileage 150k / 200k Diesel Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 6.35% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Autos & Trucks	-	-	6.35%	84 months
Details Max mileage 150k / 200k Diesel Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 6.35% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
New Recreation Vehicles (Motor Homes, Boats)	-	-	8.09%	84 months
Details LTV 110%; 15 years or newer & 150k miles or less; no minimum loan amount Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 8.09% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
New Recreation Vehicles (Motor Homes, Boats)	-	-	8.29%	120 months
Details LTV 110%; minimum loan amount $20,000 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 8.29% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
New Recreation Vehicles (Motor Homes, Boats)	-	-	8.39%	144 months
Details LTV 110%; minimum loan amount $25,000 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 8.39% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
New Recreation Vehicles (Motor Homes, Boats)	-	-	8.59%	180 months
Details LTV 110%; minimum loan amount $30,000 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 8.59% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%

Peninsula Community Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motorcycles	-	5.65%	60 months
Details LTV 125% Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.65% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Motorcycles	-	5.80%	72 months
Details LTV 125%; max term 72 months Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.80% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
RVs, Motor Homes, Boats Loan	-	8.09%	84 months
Details Purchase / Refi*** Loan-to-Value: 110%; Limited to 15 years or newer & 150K miles or less. No minimum loan amount Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 8.09% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
RVs, Motor Homes, Boats Loan	-	8.29%	120 months
Details Purchase / Refi*** Loan-to-Value: 110%; Limited to 15 years or newer & 150K miles or less. Minimum loan amount $20,000 Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 8.29% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
RVs, Motor Homes, Boats Loan	-	8.39%	144 months
Details Purchase / Refi*** Loan-to-Value: 110%; Limited to 15 years or newer & 150K miles or less. Minimum loan amount $25,000 Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 8.39% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
RVs, Motor Homes, Boats Loan	-	8.59%	180 months
Details Purchase / Refi*** Loan-to-Value: 110%; Limited to 15 years or newer & 150K miles or less. Minimum loan amount $30,000 Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 8.59% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Jet Skis, Motorcycles, Snowmobiles, Personal Computer, Personal Loans	-	10.64%	60 months
Details Rates are subject to change without notice, except on loans presently in place and those with variable rates. Your actual rate and term will be determined according to how you've managed your credit. Rates are determined by applicant credit and vehicle mileage. Rates advertised may require a qualifying down payment and may not exceed established loan-to-value ratios for respective collateral. Values based on New or Used JD Power (NADA) Retail, KBB Retail, MSRP or appraisal. Auto purchase and refinance transactions may finance up to 130% plus tax, license, warranty & GAP. See a MRC for maximum allowable add-ons. All loans subject to underwriting and may require a down payment. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 10.64% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Personal Loans (Jet Ski, Snowmobile, Computer)	-	10.64%	60 months
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 10.64% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Jet Skis, Motorcycles, Snowmobiles, Personal Computer, Personal Loans	-	11.09%	72 months
Details Rates are subject to change without notice, except on loans presently in place and those with variable rates. Your actual rate and term will be determined according to how you've managed your credit. Rates are determined by applicant credit and vehicle mileage. Rates advertised may require a qualifying down payment and may not exceed established loan-to-value ratios for respective collateral. Values based on New or Used JD Power (NADA) Retail, KBB Retail, MSRP or appraisal. Auto purchase and refinance transactions may finance up to 130% plus tax, license, warranty & GAP. See a MRC for maximum allowable add-ons. All loans subject to underwriting and may require a down payment. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 11.09% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Personal Loans (Jet Ski, Snowmobile, Computer)	-	11.09%	72 months
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 11.09% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Jet Skis, Motorcycles, Snowmobiles, Personal Computer, Personal Loans	-	11.84%	84 months
Details Rates are subject to change without notice, except on loans presently in place and those with variable rates. Your actual rate and term will be determined according to how you've managed your credit. Rates are determined by applicant credit and vehicle mileage. Rates advertised may require a qualifying down payment and may not exceed established loan-to-value ratios for respective collateral. Values based on New or Used JD Power (NADA) Retail, KBB Retail, MSRP or appraisal. Auto purchase and refinance transactions may finance up to 130% plus tax, license, warranty & GAP. See a MRC for maximum allowable add-ons. All loans subject to underwriting and may require a down payment. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 11.84% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Personal Loans (Jet Ski, Snowmobile, Computer)	-	11.84%	84 months
Details Minimum loan amount $15,000 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 11.84% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%

Peninsula Community Federal Credit Union Credit Card Rates

Product	Rate	APR
Priority Platinum Visa	-	11.25%
Details $0 Annual fee; As Low As; Travel Perks and Services Last Updated 10/12/2026 Rate History 2 changes since Sep 16, 2026 · 11.25% → 11.25% ▼ 0.00 pts · high 11.50% / low 11.25% Oct 12, 202611.25%▼ from 11.50% Oct 4, 202611.50%▲ from 11.25% Sep 16, 202611.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
VISA Platinum	-	11.50%
Details Max rate 18.00% Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 11.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Signature Rewards Visa	-	13.25%
Details $0 Annual fee; As Low As; Travel Perks and Services; 5,000 Point New Card Bonus! Last Updated 10/12/2026 Rate History 2 changes since Sep 16, 2026 · 13.25% → 13.25% ▼ 0.00 pts · high 13.50% / low 13.25% Oct 12, 202613.25%▼ from 13.50% Oct 4, 202613.50%▲ from 13.25% Sep 16, 202613.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
VISA Rewards	-	13.50%
Details Max rate 18.00% Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 13.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
VISA Share Secured	-	18.00%
Details Max rate 18.00% Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 18.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%

Peninsula Community Federal Credit Union Personal Loan Rates

Product	APR	Term
Jet Skis, Motorcycles, Snowmobiles, Personal Computer, Personal Loans	10.64%	60 months
Details Rates are subject to change without notice, except on loans presently in place and those with variable rates. Your actual rate and term will be determined according to how you've managed your credit. Rates are determined by applicant credit and vehicle mileage. Rates advertised may require a qualifying down payment and may not exceed established loan-to-value ratios for respective collateral. Values based on New or Used JD Power (NADA) Retail, KBB Retail, MSRP or appraisal. Auto purchase and refinance transactions may finance up to 130% plus tax, license, warranty & GAP. See a MRC for maximum allowable add-ons. All loans subject to underwriting and may require a down payment. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 10.64% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Personal Loans (Jet Ski, Snowmobile, Computer)	10.64%	60 months
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 10.64% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Jet Skis, Motorcycles, Snowmobiles, Personal Computer, Personal Loans	11.09%	72 months
Details Rates are subject to change without notice, except on loans presently in place and those with variable rates. Your actual rate and term will be determined according to how you've managed your credit. Rates are determined by applicant credit and vehicle mileage. Rates advertised may require a qualifying down payment and may not exceed established loan-to-value ratios for respective collateral. Values based on New or Used JD Power (NADA) Retail, KBB Retail, MSRP or appraisal. Auto purchase and refinance transactions may finance up to 130% plus tax, license, warranty & GAP. See a MRC for maximum allowable add-ons. All loans subject to underwriting and may require a down payment. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 11.09% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Personal Loans (Jet Ski, Snowmobile, Computer)	11.09%	72 months
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 11.09% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Jet Skis, Motorcycles, Snowmobiles, Personal Computer, Personal Loans	11.84%	84 months
Details Rates are subject to change without notice, except on loans presently in place and those with variable rates. Your actual rate and term will be determined according to how you've managed your credit. Rates are determined by applicant credit and vehicle mileage. Rates advertised may require a qualifying down payment and may not exceed established loan-to-value ratios for respective collateral. Values based on New or Used JD Power (NADA) Retail, KBB Retail, MSRP or appraisal. Auto purchase and refinance transactions may finance up to 130% plus tax, license, warranty & GAP. See a MRC for maximum allowable add-ons. All loans subject to underwriting and may require a down payment. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 11.84% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Personal Loans (Jet Ski, Snowmobile, Computer)	11.84%	84 months
Details Minimum loan amount $15,000 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 11.84% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Signature Rewards Visa	13.25%
Details $0 Annual fee; As Low As; Travel Perks and Services; 5,000 Point New Card Bonus! Last Updated 10/12/2026 Rate History 2 changes since Sep 16, 2026 · 13.25% → 13.25% ▼ 0.00 pts · high 13.50% / low 13.25% Oct 12, 202613.25%▼ from 13.50% Oct 4, 202613.50%▲ from 13.25% Sep 16, 202613.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%

Peninsula Community Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Lo-Cap Loan	5.90%	-	7.00%	15-year draw, 20-year repayment
Details Term: 15-year draw, 20-year repayment; Introductory APR* period for Lo-Cap is 6 months. Maximum loan amount $300,000. Rates effective as of October 1, 2026. APR is variable and will adjust according to Prime Rate, as published in the Wall Street Journal. Prime Rate, Loan to Value and credit score determine actual APR and may vary between 7.25% APR and 11.99% APR. No introductory rate period for Lo-Cap Plus. Minimum monthly payment will vary according to APR and balance of the line of credit. All offers, rates, and terms are subject to change at any time. Property must be located in Washington State. Property insurance required, flood insurance may be required. Ask about additional fees that may apply, including appraisal fees if required. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Lo-Cap Plus Loan	-	-	8.50%	15-year draw, 20-year repayment
Details Term: 15-year draw, 20-year repayment; No introductory rate period for Lo-Cap Plus. Maximum loan amount $250,000. Rates effective as of October 1, 2026. APR is variable and will adjust according to Prime Rate, as published in the Wall Street Journal. Prime Rate, Loan to Value and credit score determine actual APR and may vary between 7.25% APR and 11.99% APR. Minimum monthly payment will vary according to APR and balance of the line of credit. All offers, rates, and terms are subject to change at any time. Property must be located in Washington State. Property insurance required, flood insurance may be required. Ask about additional fees that may apply, including appraisal fees if required. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 8.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Motorcycles Loan	-	-	5.65%	60 months
Details Purchase/Refi*** Loan-to-Value: 125% Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.65% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Motorcycles Loan	-	-	5.80%	72 months
Details Purchase/Refi*** Loan-to-Value: 125%; Additional Terms: Max term 72 months for motorcycle financing Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.80% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Vista Basic Checking	-	-	2.00%
Min Deposit $0 Min Balance $0 Details Qualifications Required: 15 debit card purchases (minimum of $5 each); e-statements enrollment; Monthly and maintenance fees (if you receive eStatements or direct deposit of $300 of more per month**); Free ($3.00 monthly fee if you opt out of eStatements or direct deposit) Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 2.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%

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

Peninsula Community Federal Credit Union’s Texas Ratio rose from 3.91% in Q3 2023 to 5.60% in Q2 2026, so its financial health has held steady at a healthy level 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	$304M	5.60%	5.0	A+
March 31, 2026	$306M	5.03%	5.0	A+
December 31, 2025	$307M	5.42%	5.0	A+
September 30, 2025	$303M	4.36%	5.0	A+
June 30, 2025	$299M	5.01%	5.0	A+
March 31, 2025	$297M	4.49%	5.0	A+
December 31, 2024	$291M	5.90%	5.0	A+
September 30, 2024	$298M	4.58%	5.0	A+
June 30, 2024	$296M	5.05%	5.0	A+
March 31, 2024	$296M	5.42%	5.0	A+
December 31, 2023	$294M	4.53%	5.0	A+
September 30, 2023	$289M	3.91%	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 Peninsula Community Federal 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 Peninsula Community Federal 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 Peninsula Community Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Peninsula Community Federal Credit Union

Website https://www.pcfcu.org

Address 521 W Railroad Ave, Shelton, WA 98584-3520

Phone 360-426-1601

Fax 360-427-3169

President John Bolender

CEO James Morrell

Full-Time Employees 73

Part-Time Employees 0

Branch Locations 5

ATM Locations 5

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (97/100)

Texas Ratio

5.60%

Return on Assets (ROA)

0.3806%

Return on Equity (ROE)

3.2427%

Non-Performing Loans Ratio (NPL)

1.06%

Total Assets

304,211,130

Total Amount of Shares and Deposits

267,401,099

Total Shares and Deposits < 1 Year

264,445,519

Total Shares and Deposits 1 3 Years

2,525,192

Total Shares and Deposits > 3 Years

430,388

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

7,767,751

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

7,767,751

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

259,633,348

Total Interest Expense (Sum of items 6 8)

1,299,869

Share Certificates

2,327

Number of Accounts for Share Drafts

12,805

IRA KEOGH Accounts

343

Number of Accounts for Regular Shares

22,830

Money Market Shares

447

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

1,157,753

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)

28,715,245

Total Liabilities

274,562,446

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

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

Customer Reviews

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Total Reviews

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Frequently Asked Questions About Peninsula Community Federal Credit Union

How many branches does Peninsula Community Federal Credit Union operate?

Peninsula Community Federal 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 Peninsula Community Federal Credit Union?

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

Does Peninsula Community Federal Credit Union offer online and mobile banking?

Most modern institutions like Peninsula Community Federal 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.pcfcu.org.

Current Peninsula Community Federal Credit Union Rates

12-Month CD3.50%
18-Month CD2.90%
24-Month CD2.75%
60-Month CD2.50%
Savings0.20%
MMA0.75%

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

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Peninsula Community Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Peninsula Community Federal Credit Union Texas Ratio

Peninsula Community Federal Credit Union Health Trend

Peninsula Community Federal Credit Union CD Rates

Peninsula Community Federal Credit Union Savings Rates

Peninsula Community Federal Credit Union Business Savings Rates

Peninsula Community Federal Credit Union Money Market Rates

Peninsula Community Federal Credit Union Checking Rates

Peninsula Community Federal Credit Union Home Equity & HELOC

Peninsula Community Federal Credit Union Auto Loan Rates

Peninsula Community Federal Credit Union RV, Boat and Powersport Loan Rates

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Peninsula Community Federal Credit Union Personal Loan Rates

Peninsula Community Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Peninsula Community Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Peninsula Community Federal Credit Union

How many branches does Peninsula Community Federal Credit Union operate?

Is a member application needed to join Peninsula Community Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Peninsula Community Federal Credit Union offer online and mobile banking?

Current Peninsula Community Federal Credit Union Rates

Compare to Other Credit Unions