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Peninsula Federal Credit Union

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Peninsula Federal Credit Union Rates & Review April 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Peninsula 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: April 23, 2026

Peninsula Federal Credit Union's Personal Loan Rates are at 17.90%. MonitorBankRates evaluates the financial stability of Peninsula Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.50%. Rates were last updated on 04/23/2026.

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

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.50%

Excellent Higher than avg

Peninsula Federal Credit Union
Main Office

2929 3rd Ave N
Escanaba, MI 49829 4203

https://peninsulafcu.com

Peninsula Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
10 year fixed	-	-	5.25%
No additional details. Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.50%
15 year fixed	-	-	5.50%
No additional details. Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.50%
20 year fixed	-	-	5.75%
No additional details. Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.50%
10 Year Fixed Rate	-	-	7.50%	10
No additional details. Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.50%
15 Year Fixed Rate	-	-	7.75%	15
No additional details. Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.50%

Peninsula Federal Credit Union Personal Loan Rates

Product	Rate	APR	View More
One Payment Notes (Personal) - Unsecured	-	17.90%
No additional details. Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.50%

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.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Peninsula 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 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 Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Peninsula Federal Credit Union

Website https://peninsulafcu.com

Address 2929 3rd Ave N, Escanaba, MI 49829 4203

Phone 906-789-6400

Fax 906-789-6410

President Betty Trudell

CEO James Veneskey

Full-Time Employees 75

Part-Time Employees 9

Branch Locations 4

ATM Locations 4

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

6.50%

Return on Assets (ROA)

0.5586%

Return on Equity (ROE)

6.3985%

Non-Performing Loans Ratio (NPL)

0.69%

Total Assets

349,016,315

Total Amount of Shares and Deposits

316,743,057

Total Shares and Deposits < 1 Year

266,730,127

Total Shares and Deposits 1 3 Years

43,124,341

Total Shares and Deposits > 3 Years

6,888,589

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

25,393,839

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

25,393,839

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

291,349,218

Total Interest Expense (Sum of items 6 8)

5,650,201

Share Certificates

4,158

Number of Accounts for Share Drafts

12,528

IRA KEOGH Accounts

1,161

Number of Accounts for Regular Shares

26,691

All other shares

1,883

Non Member Deposits

102

Money Market Shares

349

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

1,949,466

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

7,330,103

Total Liabilities

318,738,179

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Frequently Asked Questions About Peninsula Federal Credit Union

Is Peninsula Federal Credit Union a safe place to deposit money?

Yes, Peninsula Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 6.497975003562%, 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 Peninsula Federal Credit Union operate?

Peninsula 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 Federal Credit Union?

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

Does Peninsula Federal Credit Union offer online and mobile banking?

Most modern institutions like Peninsula 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://peninsulafcu.com.