|
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.
PORT CITY Rates & Review October 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 10, 2026
PORT CITY's top rates as of October 10, 2026 are 3.75% APY on its 6 Month CD, 1.96% APY on savings, personal loans from 7.99% APR, and credit cards from 8.99% APR, according to rates verified by MonitorBankRates. Other PORT CITY CD rates include 12 Month CD at 3.50%, 24 Month CD at 3.25%, and 36 Month CD at 3.00%. MonitorBankRates evaluates the financial stability of PORT CITY with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.12%. Rates last updated and verified on 10/10/2026. PORT CITY 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 PORT CITY? Share your experience about PORT CITY by leaving a review below, or read customer reviews before you decide to use PORT CITY. PORT CITY
Port City Federal Credit Union 460 W Laketon Ave
http://www.portcityfcu.com Muskegon, MI 49441-2632  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. PORT CITY CD Rates
PORT CITY Savings Rates
PORT CITY Auto Loan Rates
PORT CITY Credit Card Rates
PORT CITY Personal Loan Rates
PORT CITY Other Rates
Financial Health HistoryPORT CITY’s Texas Ratio stayed near 0.30% in Q3 2023 to 0.12% in Q2 2026, so its financial health has stayed very strong 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
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 PORT CITY 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 PORT CITY 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 PORT CITY's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
PORT CITY
Website
http://www.portcityfcu.com
Address
460 W Laketon Ave,
Muskegon, MI 49441-2632
Phone
231-725-3312
Fax
231-725-4694
President
Kathleen Wilkerson
CEO
Ashton Person
Full-Time Employees
5
Part-Time Employees
0
Branch Locations
1
ATM Locations
1
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.12%
Return on Assets (ROA)
0.3174%
Return on Equity (ROE)
2.6162%
Non-Performing Loans Ratio (NPL)
0.04%
Total Assets
42,093,148
Total Amount of Shares and Deposits
36,763,891
Total Shares and Deposits < 1 Year
33,812,621
Total Shares and Deposits 1 3 Years
2,350,120
Total Shares and Deposits > 3 Years
601,150
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
1,472,619
Total Uninsured Shares and Deposits > $250K (F+J)
1,472,619
Total Insured Shares and Deposits > $250K (item 17 less item K)
35,291,272
Total Interest Expense (Sum of items 6 8)
313,308
Share Certificates
537
Number of Accounts for Share Drafts
1,587
IRA KEOGH Accounts
146
Number of Accounts for Regular Shares
2,658
All other shares
433
Money Market Shares
294
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)
524,905
Total Liabilities
36,987,162
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
There are no reviews for PORT CITY 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 PORT CITY
Frequently Asked Questions About PORT CITYHow many branches does PORT CITY operate?PORT CITY 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 PORT CITY?Yes, to access services at PORT CITY, 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, PORT CITY 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, PORT CITY provides members with tools to manage their accounts and build a solid financial history. Does PORT CITY offer online and mobile banking?Most modern institutions like PORT CITY 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: http://www.portcityfcu.com. Current PORT CITY Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Credit Unions
Homefield Credit Union
Diablo Valley Federal Credit Union
Quorum Federal Credit Union
Chemco Credit Union
Postal and Community Credit Union
Mount Pleasant Baptist Church Federal Credit Union
Eagle Express Federal Credit Union
The County Federal Credit Union
Blackstone River Federal Credit Union
Dillards Federal Credit Union
Trailhead Federal Credit Union
EAGLE
Lisbon Community Federal Credit Union
LCRA Credit Union
First Financial of Maryland FCU
Pan Amoco Federal Credit Union
Monterra Credit Union
Fidelis Catholic Federal Credit Union
Calcasieu Teachers And Employees Credit Union
NEXT STEP
Dakota West Credit Union
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Rate Assistant
MonitorBankRates.com · Live Data
Try asking