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Police Federal Credit Union Of Connecticut Rates & Review November 2026

Police Federal Credit Union Of Connecticut's Term CD - 5 Years rates are at 4.28%, Term CD - 4 Years rates are at 4.23%, Term CD - 3 Years rates are at 4.18%, Term CD - 2 Years rates are at 4.13%, Term CD - 1 Year rates are at 4.07%. Police Federal Credit Union Of Connecticut's savings rates are at 0.15%. Police Federal Credit Union Of Connecticut's money market rates are at 2.17%. Police Federal Credit Union Of Connecticut's Personal Loan Rates are as low as 10.25%. Police Federal Credit Union Of Connecticut's Credit Card Rates are at 9.99%. Police Federal Credit Union Of Connecticut's CD rates are 44% higher than the MonitorBankRates national average, and it has an A health rating. MonitorBankRates evaluates the financial stability of Police Federal Credit Union Of Connecticut with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.69%. Rates last updated and verified on 10/28/2026.

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

MonitorBankRates Verified Healthy Badge 2026 Verified Healthy 2026 Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A
Excellent Health Score: 96/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
7.69%
Excellent Higher than avg
Health Trend ?
Steady 12 quarters
Full history ›
Police Federal Credit Union Of Connecticut
Main Branch
253 High St
Hartford, CT 06103
https://pcuct.org
Member NCUA
Customer Reviews
Be the first to review
Write a Review
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.

Police Federal Credit Union Of Connecticut CD Rates

Product Rate APY Term View More
Term Share Certificate - 5 Years 4.20% 4.282% 5 Years
Min Balance $1,000
Details Effective date: 10/01/2026; Minimum balance $1,000 required to earn stated APY
Last Updated 10/28/2026
Rate History
No change since Oct 23, 2026 · 4.28% APY · checked 2 times
3.78%4.28%4.78%Oct 23, 2026: 4.28% APYOct 23, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.69%
Term Share Certificate - 4 Years 4.15% 4.23% 4 Years
Min Balance $1,000
Details Effective date: 10/01/2026; Minimum balance $1,000 required to earn stated APY
Last Updated 10/28/2026
Rate History
No change since Oct 23, 2026 · 4.23% APY · checked 2 times
3.73%4.23%4.73%Oct 23, 2026: 4.23% APYOct 23, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.69%
Term Share Certificate - 3 Years 4.10% 4.178% 3 Years
Min Balance $1,000
Details Effective date: 10/01/2026; Minimum balance $1,000 required to earn stated APY
Last Updated 10/28/2026
Rate History
No change since Oct 23, 2026 · 4.18% APY · checked 2 times
3.68%4.18%4.68%Oct 23, 2026: 4.18% APYOct 23, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.69%
Term Share Certificate - 2 Years 4.05% 4.126% 2 Years
Min Balance $1,000
Details Effective date: 10/01/2026; Minimum balance $1,000 required to earn stated APY
Last Updated 10/28/2026
Rate History
No change since Oct 23, 2026 · 4.13% APY · checked 2 times
3.63%4.13%4.63%Oct 23, 2026: 4.13% APYOct 23, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.69%
Term Share Certificate - 1 Year 4.00% 4.074% 1 Year
Min Balance $1,000
Details Effective date: 10/01/2026; Minimum balance $1,000 required to earn stated APY
Last Updated 10/28/2026
Rate History
No change since Oct 23, 2026 · 4.07% APY · checked 2 times
3.57%4.07%4.57%Oct 23, 2026: 4.07% APYOct 23, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.69%
Term Share Certificate - 6 month 3.95% 4.022% 6 Months
Min Balance $1,000
Details Effective date: 10/01/2026; Minimum balance $1,000 required to earn stated APY
Last Updated 10/28/2026
Rate History
1 change since Sep 12, 2026 · 3.76% → 4.02% ▲ 0.26 pts · high 4.02% / low 3.76%
3.26%3.89%4.52%Sep 12, 2026: 3.76% APYOct 4, 2026: 4.02% APYSep 12, 2026Nov 2, 2026
  • Oct 4, 20264.02%▲ from 3.76%
  • Sep 12, 20263.76%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.69%

Police Federal Credit Union Of Connecticut Savings Rates

Product Rate APY View More
All Purpose Club 0.15% 0.15%
Details Effective 12/18/2025
Last Updated 10/28/2026
Rate History
No change since Sep 12, 2026 · 0.15% APY · checked 7 times
0.00%0.33%0.65%Sep 12, 2026: 0.15% APYSep 12, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.69%
Christmas Club 0.15% 0.15%
Details Effective 12/18/2025
Last Updated 10/28/2026
Rate History
No change since Sep 12, 2026 · 0.15% APY · checked 7 times
0.00%0.33%0.65%Sep 12, 2026: 0.15% APYSep 12, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.69%
Share Savings 0.15% 0.15%
Min Balance $5
Details Effective 12/18/2025
Last Updated 10/28/2026
Rate History
No change since Sep 12, 2026 · 0.15% APY · checked 8 times
0.00%0.33%0.65%Sep 12, 2026: 0.15% APYSep 12, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.69%

Police Federal Credit Union Of Connecticut Money Market Rates

Product Rate APY View More
Money Market 2.15% 2.171%
Min Balance $50,000
Details Balance: over $50,000; Effective 12/18/2025
Last Updated 10/28/2026
Rate History
No change since Sep 12, 2026 · 2.17% APY · checked 7 times
1.67%2.17%2.67%Sep 12, 2026: 2.17% APYSep 12, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.69%
Money Market 1.90% 1.917%
Min Balance $20,001
Details Balance: $20,001 - $50,000; Effective 12/18/2025
Last Updated 10/28/2026
Rate History
No change since Oct 15, 2026 · 1.92% APY · checked 3 times
1.42%1.92%2.42%Oct 15, 2026: 1.92% APYOct 15, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.69%
Money Market 1.65% 1.663%
Details $20,000; Balance: $0.00 - $20,000.00; Effective 12/18/2025
Last Updated 10/28/2026
Rate History
No change since Sep 25, 2026 · 1.66% APY · checked 6 times
1.16%1.66%2.16%Sep 25, 2026: 1.66% APYSep 25, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.69%

Police Federal Credit Union Of Connecticut Checking Rates

Product Rate APY View More
Share Draft 0.00% 0.00%
Details Effective 12/18/2025
Last Updated 10/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.69%

Police Federal Credit Union Of Connecticut Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity Loan - Fixed 1st Position - - 6.25% to 30 Years
Details As Low As; Home Equity Loan Rates and Terms
Last Updated 10/28/2026
Rate History
No change since Sep 17, 2026 · 6.25% APR · checked 9 times
5.75%6.25%6.75%Sep 17, 2026: 6.25% APRSep 17, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.69%
Home Equity Loan - Fixed 2nd Position - - 7.25% to 20 Years
Details As Low As; Home Equity Loan Rates and Terms
Last Updated 10/28/2026
Rate History
No change since Sep 17, 2026 · 7.25% APR · checked 9 times
6.75%7.25%7.75%Sep 17, 2026: 7.25% APRSep 17, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.69%

Police Federal Credit Union Of Connecticut Auto Loan Rates

Product Rate Points APR Term View More
Auto Loans - - 4.99%
Details As Low As; Rate based on creditworthiness and term of loan
Last Updated 10/28/2026
Rate History
No change since Sep 17, 2026 · 4.99% APR · checked 9 times
4.49%4.99%5.49%Sep 17, 2026: 4.99% APRSep 17, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.69%

Police Federal Credit Union Of Connecticut Credit Card Rates

Product Rate APR View More
Credit Card - 9.99%
Details As Low As; Rate based on creditworthiness and term of loan
Last Updated 10/28/2026
Rate History
No change since Sep 17, 2026 · 9.99% APR · checked 9 times
9.49%9.99%10.49%Sep 17, 2026: 9.99% APRSep 17, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.69%

Police Federal Credit Union Of Connecticut Personal Loan Rates

Product APR Term View More
Unsecured Signature Loan 10.25% To 60 Months
Details As Low As; Annual Percentage Rate column
Last Updated 10/28/2026
Rate History
No change since Sep 12, 2026 · 10.25% APR · checked 9 times
9.75%10.25%10.75%Sep 12, 2026: 10.25% APRSep 12, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.69%

Police Federal Credit Union Of Connecticut Other Rates

Product Rate Points APY/APR Term View More
Roth IRA 0.50% - 0.50%
Details Effective 12/18/2025
Last Updated 10/28/2026
Rate History
No change since Sep 12, 2026 · 0.50% APY · checked 7 times
0.00%0.50%1.00%Sep 12, 2026: 0.50% APYSep 12, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.69%
Traditional IRA 0.50% - 0.50%
Details Effective 12/18/2025
Last Updated 10/28/2026
Rate History
No change since Sep 12, 2026 · 0.50% APY · checked 7 times
0.00%0.50%1.00%Sep 12, 2026: 0.50% APYSep 12, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.69%

Financial Health History

Police Federal Credit Union Of Connecticut’s Texas Ratio rose from 2.74% in Q3 2023 to 7.69% 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 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

0% 1.0★ 4.1% 2.0★ 8.3% 3.0★ 12.4% 4.0★ 16.5% 5.0★ 15% Verified Healthy limit – lower is healthier Healthy zone 2.74% A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A Q2 2024 A Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A Q3 2025 A+ Q4 2025 A+ Q1 2026 7.69% A Q2 2026
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
Powered by MonitorBankRates

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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$45M7.69%5.0A
March 31, 2026$46M4.25%5.0A+
December 31, 2025$45M2.37%5.0A+
September 30, 2025$43M7.41%5.0A
June 30, 2025$44M4.83%5.0A+
March 31, 2025$43M2.74%5.0A+
December 31, 2024$41M5.33%5.0A+
September 30, 2024$40M6.63%5.0A
June 30, 2024$41M7.42%5.0A
March 31, 2024$40M5.08%5.0A+
December 31, 2023$39M3.42%5.0A+
September 30, 2023$41M2.74%5.0A+
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 Police Federal Credit Union Of Connecticut 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 Police Federal Credit Union Of Connecticut 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 Police Federal Credit Union Of Connecticut's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Police Federal Credit Union Of Connecticut
Address 253 High St, Hartford, CT 06103
Phone 860-522-0899
Fax 860-724-2268
President Claudette Kosinski
CEO Melanie Strileckis
Full-Time Employees 10
Part-Time Employees 0
Branch Locations 2
ATM Locations 1
NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (96/100)
Texas Ratio
7.69%
Return on Assets (ROA)
0.7460%
Return on Equity (ROE)
7.0931%
Non-Performing Loans Ratio (NPL)
1.47%
Total Assets
45,378,698
Total Amount of Shares and Deposits
40,423,918
Total Shares and Deposits < 1 Year
34,737,297
Total Shares and Deposits 1 3 Years
5,076,013
Total Shares and Deposits > 3 Years
610,608
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
2,175,758
Total Uninsured Shares and Deposits > $250K (F+J)
2,175,758
Total Insured Shares and Deposits > $250K (item 17 less item K)
38,248,160
Total Interest Expense (Sum of items 6 8)
249,332
Share Certificates
184
Number of Accounts for Share Drafts
1,890
IRA KEOGH Accounts
75
Number of Accounts for Regular Shares
4,290
All other shares
5
Money Market Shares
190
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)
2,240,867
Total Liabilities
40,737,749
Source: NCUA — Last Updated 06/30/2026
MonitorBankRates Verified Healthy Badge 2026
2026 MBR Health & Safety Badge

Police Federal Credit Union Of Connecticut earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.

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       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About Police Federal Credit Union Of Connecticut

Does Police Federal Credit Union Of Connecticut offer CDs?

Yes. Police Federal Credit Union Of Connecticut current CD rates include its Term CD - 5 Years at 4.282% APY, its Term CD - 4 Years at 4.23% APY and its Term CD - 3 Years at 4.178% APY, verified by MonitorBankRates as of October 28, 2026.

Are CDs from Police Federal Credit Union Of Connecticut NCUA insured?

Yes. Police Federal Credit Union Of Connecticut is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Police Federal Credit Union Of Connecticut?

The highest Police Federal Credit Union Of Connecticut CD rate is its Term CD - 5 Years at 4.282% APY, verified by MonitorBankRates as of October 28, 2026.

What CD terms does Police Federal Credit Union Of Connecticut offer?

Police Federal Credit Union Of Connecticut CD rates are 4.074% APY for a 12 month CD, 4.13% APY for a 2 year CD, 4.178% APY for a 3 year CD, 4.23% APY for a 4 year CD and 4.282% APY for a 5 year CD, verified by MonitorBankRates as of October 28, 2026. The institution may offer other terms or specials that are not listed here, so check with Police Federal Credit Union Of Connecticut for its full lineup.

What is the highest savings rate at Police Federal Credit Union Of Connecticut?

The highest Police Federal Credit Union Of Connecticut savings rate is its Savings at 0.15% APY, verified by MonitorBankRates as of October 28, 2026.

What is the highest money market rate at Police Federal Credit Union Of Connecticut?

The highest Police Federal Credit Union Of Connecticut money market rate is its Money Market at 2.171% APY, verified by MonitorBankRates as of October 28, 2026.

What is the lowest auto loan rate at Police Federal Credit Union Of Connecticut?

The lowest Police Federal Credit Union Of Connecticut auto loan rate is its Auto Loans at 4.99% APR, verified by MonitorBankRates as of October 28, 2026.

What is the lowest personal loan rate at Police Federal Credit Union Of Connecticut?

The lowest Police Federal Credit Union Of Connecticut personal loan rate is its Unsecured Signature Loan at 10.25% APR, verified by MonitorBankRates as of October 28, 2026.

What is the lowest credit card APR at Police Federal Credit Union Of Connecticut?

The lowest Police Federal Credit Union Of Connecticut credit card APR is its Credit Card at 9.99% APR, verified by MonitorBankRates as of October 28, 2026.

How many branches does Police Federal Credit Union Of Connecticut operate?

Police Federal Credit Union Of Connecticut 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 Police Federal Credit Union Of Connecticut?

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

Does Police Federal Credit Union Of Connecticut offer online and mobile banking?

Most modern institutions like Police Federal Credit Union Of Connecticut 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://pcuct.org.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Police Federal Credit Union Of Connecticut rates compare?

Police Federal Credit Union Of Connecticut's CD rates are 44% higher than the MonitorBankRates national average, and it has an A health rating. Police Federal Credit Union Of Connecticut's top rates are its Term CD - 5 Years at 4.282% APY, its Savings at 0.15% APY, its Money Market at 2.171% APY, its Unsecured Signature Loan at 10.25% APR and its Credit Card at 9.99% APR, verified by MonitorBankRates on October 28, 2026.

Current Police Federal Credit Union Of Connecticut Rates

  • 12-Month CD4.07%
  • 24-Month CD4.13%
  • 60-Month CD4.28%
  • Savings0.15%
  • MMA2.17%
Retrieved from our database of financial products. Rates subject to change.