|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Polish American Federal Credit Union Rates & Review November 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 and Verified: October 29, 2026
Polish American Federal Credit Union's CD - 1 Year rates are at 3.80%, CD - 6 month rates are at 3.79%, CD - 2 Year rates are at 3.75%, CD - 3 Year rates are at 3.40%, CD - 4 Year rates are at 3.30%. Polish American Federal Credit Union's savings rates are at 0.10%. Polish American Federal Credit Union's money market rates are at 3.04%. Polish American Federal Credit Union's checking rates are as high as 3.03%. Polish American Federal Credit Union's Mortgage Loans - 3 Year Adjustable - 15, 20 & 30 years rates are at 5.00%, Mortgage Loans - 5 Year Adjustable - 15, 20 & 30 years rates are at 5.25%, Mortgage Loans - 10 Year Balloon - 15 or 20 Year Amortization rates are at 5.75%, Mortgage Loans - 10 Year Balloon - 30 Year Amortization rates are at 6.00%. Polish American Federal Credit Union's Auto Loan Rates are as low as 3.99%. Polish American Federal Credit Union's CD rates are 23% higher than the MonitorBankRates national average, and it has an A health rating. MonitorBankRates evaluates the financial stability of Polish American Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.84%. Rates last updated and verified on 10/29/2026. Polish American 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 Polish American Federal Credit Union? Share your experience about Polish American Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Polish American Federal Credit Union. 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. Polish American Federal Credit Union CD Rates
Polish American Federal Credit Union Savings Rates
Polish American Federal Credit Union Money Market Rates
Polish American Federal Credit Union Checking Rates
Polish American Federal Credit Union Mortgage Rates
Polish American Federal Credit Union Home Equity & HELOC
Polish American Federal Credit Union Auto Loan Rates
Polish American Federal Credit Union RV, Boat and Powersport Loan Rates
Financial Health HistoryPolish American Federal Credit Union’s Texas Ratio rose from 3.73% in Q3 2023 to 6.84% 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. 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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Polish American 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 Polish American 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 Polish American Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Polish American Federal Credit Union
Website
https://www.mypafcu.com
Address
2889 E Maple Rd,
Troy, MI 48083
Phone
248-619-0440
Fax
248-619-3230
President
Mark Reaume
CEO
John Swidwinski
Full-Time Employees
24
Part-Time Employees
1
Branch Locations
2
ATM Locations
2
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (97/100)
Texas Ratio
6.84%
Return on Assets (ROA)
0.6160%
Return on Equity (ROE)
4.8179%
Non-Performing Loans Ratio (NPL)
1.37%
Total Assets
195,091,834
Total Amount of Shares and Deposits
169,033,599
Total Shares and Deposits < 1 Year
163,508,911
Total Shares and Deposits 1 3 Years
4,741,701
Total Shares and Deposits > 3 Years
782,987
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
9,747,868
Total Uninsured Shares and Deposits > $250K (F+J)
9,747,868
Total Insured Shares and Deposits > $250K (item 17 less item K)
159,285,731
Total Interest Expense (Sum of items 6 8)
1,558,569
Share Certificates
842
Number of Accounts for Share Drafts
4,721
IRA KEOGH Accounts
885
Number of Accounts for Regular Shares
7,838
Money Market Shares
692
Net Income (unless the amount is already included in Undivided Earnings)
1,201,784
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)
8,780,204
Total Liabilities
170,147,701
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
There are no reviews for Polish American Federal Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Polish American Federal Credit Union
Frequently Asked Questions About Polish American Federal Credit UnionDoes Polish American Federal Credit Union offer CDs?Yes. Polish American Federal Credit Union current CD rates include its CD - 1 Year at 3.80% APY, its CD - 6 month at 3.79% APY and its CD - 2 Year at 3.75% APY, verified by MonitorBankRates as of October 29, 2026. Are CDs from Polish American Federal Credit Union NCUA insured?Yes. Polish American Federal Credit Union 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 Polish American Federal Credit Union?The highest Polish American Federal Credit Union CD rate is its CD - 1 Year at 3.80% APY, verified by MonitorBankRates as of October 29, 2026. What CD terms does Polish American Federal Credit Union offer?Polish American Federal Credit Union CD rates are 3.79% APY for a 6 month CD, 3.80% APY for a 12 month CD, 3.75% APY for a 2 year CD, 3.40% APY for a 3 year CD, 3.30% APY for a 4 year CD and 3.25% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Polish American Federal Credit Union for its full lineup. What is the highest savings rate at Polish American Federal Credit Union?The highest Polish American Federal Credit Union savings rate is its Savings at 0.10% APY, verified by MonitorBankRates as of October 29, 2026. What is the highest money market rate at Polish American Federal Credit Union?The highest Polish American Federal Credit Union money market rate is its Money Market Account at 3.04% APY, verified by MonitorBankRates as of October 29, 2026. What is the highest checking rate at Polish American Federal Credit Union?The highest Polish American Federal Credit Union checking rate is its Preferred Checking at 3.03% APY, verified by MonitorBankRates as of October 29, 2026. What is the lowest mortgage rate at Polish American Federal Credit Union?The lowest Polish American Federal Credit Union mortgage rate is its Mortgage Loans - 3 Year Adjustable - 15, 20 & 30 years at 5.00% APR, verified by MonitorBankRates as of October 29, 2026. Polish American Federal Credit Union mortgage rates are 5.75% APR for a 10 year mortgage, 5.25% APR for a 5 year mortgage and 5.00% APR for a 3 year mortgage. What is the lowest auto loan rate at Polish American Federal Credit Union?The lowest Polish American Federal Credit Union auto loan rate is its New Vehicle Loan at 3.99% APR, verified by MonitorBankRates as of October 29, 2026. Polish American Federal Credit Union auto loan rates are 4.50% APR for a 24 month auto loan, 5.00% APR for a 36 month auto loan, 5.20% APR for a 48 month auto loan and 5.50% APR for a 60 month auto loan. How many branches does Polish American Federal Credit Union operate?Polish American 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 Polish American Federal Credit Union?Yes, to access services at Polish American 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, Polish American 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, Polish American Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Polish American Federal Credit Union offer online and mobile banking?Most modern institutions like Polish American 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.mypafcu.com. 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 Polish American Federal Credit Union rates compare?Polish American Federal Credit Union's CD rates are 23% higher than the MonitorBankRates national average, and it has an A health rating. Polish American Federal Credit Union's top rates are its CD - 1 Year at 3.80% APY, its Savings at 0.10% APY, its Money Market Account at 3.04% APY, its Preferred Checking at 3.03% APY, its Mortgage Loans - 3 Year Adjustable - 15, 20 & 30 years at 5.00% and its New Vehicle Loan at 3.99% APR, verified by MonitorBankRates on October 29, 2026. Current Polish American Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Credit Unions
Abound Federal Credit Union
Abri Credit Union
Trumbull Credit Union
Gundersen Credit Union
Kemba Credit Union
AAEC Credit Union
Matanuska Valley Federal Credit Union
Mission City Federal Credit Union
New Orleans Public Belt Railroad Federal Credit Union
MUW Employees Federal Credit Union
Police Federal Credit Union
Appalachian Power Employees Federal Credit Union
Owensboro Federal Credit Union
Austin Federal Credit Union
New Dimensions Federal Credit Union
Aeroquip Credit Union
Brentwood Baptist Church Federal Credit Union
Ignite Credit Union
Two Rivers Federal Credit Union
Gateway Credit Union
Campbell Federal Credit Union
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
