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iAdvertiser Disclosure
Advertiser Disclosure
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 PFCU Credit Union Rates & Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: March 28, 2026
PFCU Credit Union's IRA CDs 36 month rates are at 3.85%, IRA CDs 24 month rates are at 3.80%, 36 month CD rates are at 3.75%, 24 month CD rates are at 3.70%, IRA CDs 12 month rates are at 3.65%. PFCU Credit Union's savings rates are at 0.05%. PFCU Credit Union's money market rates are at 0.00%. PFCU Credit Union's Credit Card Rates are at 12.75%. MonitorBankRates evaluates the financial stability of PFCU Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.12%. Rates were last updated on 03/28/2026. PFCU 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 PFCU Credit Union? Share your experience about PFCU Credit Union by leaving a review below, or read customer reviews before you decide to use PFCU Credit Union. 
PFCU Credit Union CD Rates
PFCU Credit Union Savings Rates
PFCU Credit Union Money Market Rates
PFCU Credit Union Checking Rates
PFCU Credit Union Home Equity & HELOC
PFCU Credit Union Credit Card Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for PFCU 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 PFCU 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 PFCU Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
PFCU Credit Union
Website
https://www.pfcu4me.com
Address
9077 Charlotte Hwy,
Portland, MI 48875
Phone
844-517-3611
Fax
President
Michael Ward
CEO
Michele Makley
Full-Time Employees
183
Part-Time Employees
4
Branch Locations
13
ATM Locations
13
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
3.12%
Return on Assets (ROA)
0.5947%
Return on Equity (ROE)
5.3206%
Non-Performing Loans Ratio (NPL)
0.53%
Total Assets
819,853,531
Total Amount of Shares and Deposits
727,103,082
Total Shares and Deposits < 1 Year
665,450,537
Total Shares and Deposits 1 3 Years
51,128,204
Total Shares and Deposits > 3 Years
10,524,342
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
33,462,297
Total Uninsured Shares and Deposits > $250K (F+J)
33,462,297
Total Insured Shares and Deposits > $250K (item 17 less item K)
693,640,785
Total Interest Expense (Sum of items 6 8)
5,645,596
Share Certificates
4,495
Number of Accounts for Share Drafts
35,933
IRA KEOGH Accounts
1,749
Number of Accounts for Regular Shares
69,501
Money Market Shares
5,614
Net Income (unless the amount is already included in Undivided Earnings)
4,875,465
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
74,761,791
Total Liabilities
729,893,671
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About PFCU Credit UnionIs PFCU Credit Union a safe place to deposit money?Yes, PFCU Credit Union is considered a safe financial institution. With a Texas Ratio of 3.1161059198299%, 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 PFCU Credit Union operate?PFCU 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 PFCU Credit Union?Yes, to access services at PFCU 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, PFCU 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, PFCU Credit Union provides members with tools to manage their accounts and build a solid financial history. Does PFCU Credit Union offer online and mobile banking?Most modern institutions like PFCU 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.pfcu4me.com. Current PFCU Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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