What are the current interest rates at Prime Financial Credit Union?

Current rates for Prime Financial Credit Union include: Savings: 0.03%

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Prime Financial Credit Union

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Prime Financial Credit Union Rates & Review October 2026

Q: Is a member application needed to join Prime Financial Credit Union?

Yes, to access services at Prime Financial 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Prime Financial 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 and Verified: October 9, 2026

Prime Financial Credit Union's top rates as of October 9, 2026 are 0.03% APY on savings, 0.01% APY on checking, and auto loans from 4.34% APR, according to rates verified by MonitorBankRates. MonitorBankRates evaluates the financial stability of Prime Financial Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 10.89%. Rates last updated and verified on 10/09/2026.

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

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 95/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

10.89%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Prime Financial Credit Union
Prime Financial Credit Union

5656 S Packard Ave
Cudahy, WI 53110-2657

https://www.primefinancialcu.org

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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.

Prime Financial Credit Union Savings Rates

Product	Rate	APY
Christmas Club	0.05%	0.05%
Min Balance $0 Details Balance: $0 or more Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.89%
Savers Club	0.05%	0.05%
Min Balance $0 Details Balance: $0 or more Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.89%
Share Savings	-	0.03%
Min Balance $5 Details Open Online Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.03% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.89%

Prime Financial Credit Union Checking Rates

Product	Rate	APY
MyMoney Teen Checking	-	0.01%
Details No overdrafts; No paper checks; No monthly fees; No non-sufficient funds (NSF) fees; Unlimited Free ATM Withdrawals; Prime Mobile App & Prime Online; Parent or legal guardian must be joint owner on account. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.89%
Simply Checking	-	0.01%
Details No overdrafts; No paper checks; No monthly fees; No non-sufficient funds (NSF) fees; Unlimited Free ATM Withdrawals Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.89%

Prime Financial Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan - 2025 & Newer Loan	-	-	4.34%	Up to 24 months
Details As Low As; * Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 4.34% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.89%
Auto Loan - 2025 & Newer Loan	-	-	4.34%	25 - 36 months
Details As Low As; * Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 4.34% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.89%
New and Used Car Loans - 2022 - 2023	-	-	4.34%
Details As Low As; Rate(s) effective as of date indicated by table. Rate(s) above reflect maximum 0.20% autopay discount. Discounts applicable to new loans only and cannot be combined with other discounts or promotional offers. The above rate(s) are based upon a 700+ credit score, Loan-to-Value (LTV) of 80% or less, and are subject to change based upon borrower's credit history. Rates higher if refinancing existing Prime Financial Credit Union auto loan, and borrower must add $5,000 to loan balance. Payment per $1,000 based on maximum term allowed for each stated rate. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.34% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.89%
New and Used Car Loans - 2024	-	-	4.34%
Details As Low As; Rate(s) effective as of date indicated by table. Rate(s) above reflect maximum 0.20% autopay discount. Discounts applicable to new loans only and cannot be combined with other discounts or promotional offers. The above rate(s) are based upon a 700+ credit score, Loan-to-Value (LTV) of 80% or less, and are subject to change based upon borrower's credit history. Rates higher if refinancing existing Prime Financial Credit Union auto loan, and borrower must add $5,000 to loan balance. Payment per $1,000 based on maximum term allowed for each stated rate. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.34% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.89%
New and Used Car Loans - 2025 & Newer	-	-	4.34%
Details As Low As; Rate(s) effective as of date indicated by table. Rate(s) above reflect maximum 0.20% autopay discount. Discounts applicable to new loans only and cannot be combined with other discounts or promotional offers. The above rate(s) are based upon a 700+ credit score, Loan-to-Value (LTV) of 80% or less, and are subject to change based upon borrower's credit history. Rates higher if refinancing existing Prime Financial Credit Union auto loan, and borrower must add $5,000 to loan balance. Payment per $1,000 based on maximum term allowed for each stated rate. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.34% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.89%
2017- 2018 Auto Loan	-	-	4.59%	Up to 24 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.59% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.89%
2017- 2018 Auto Loan	-	-	4.59%	25 - 36 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.59% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.89%
2019 - 2020 Auto Loan	-	-	4.59%	Up to 24 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.59% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.89%
2019 - 2020 Auto Loan	-	-	4.59%	25 - 36 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.59% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.89%
Auto Loan	-	-	4.59%	Up to 24 months
Details As Low As; * Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 4.59% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.89%
Auto Loan	-	-	4.59%	25 - 36 months
Details As Low As; * Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 4.59% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.89%
Auto Loan - 2025 & Newer Loan	-	-	4.64%	37 - 48 months
Details As Low As; * Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 4.64% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.89%
Auto Loan	-	-	4.89%	37 - 48 months
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.89% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.89%
2017- 2018 Auto Loan	-	-	4.92%	37 - 48 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.92% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.89%
2019 - 2020 Auto Loan	-	-	4.92%	37 - 48 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.92% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.89%
Auto Loan	-	-	4.92%	37 - 48 months
Details Rate includes asterisk.; Model Year: 2022 - 2023 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.92% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.89%
Auto Loan	-	-	5.06%	37 - 48 months
Details As Low As; Model Year: 2014 - 2016 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.06% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.89%
Auto Loan - 2025 & Newer Loan	-	-	5.14%	49 - 60 months
Details As Low As; * Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 5.14% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.89%
Auto Loan	-	-	5.15%	49 - 60 months
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.15% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.89%
2017- 2018 Auto Loan	-	-	5.29%	49 - 60 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.29% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.89%
2019 - 2020 Auto Loan	-	-	5.29%	49 - 60 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.29% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.89%
Auto Loan	-	-	5.29%	49 - 60 months
Details Rate includes asterisk.; Model Year: 2022 - 2023 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.29% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.89%
Auto Loan - 2025 & Newer Loan	-	-	5.40%	61 - 75 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 5.40% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.89%
Auto Loan	-	-	5.89%	61 - 75 months
Details Model Year: 2022 - 2023 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.89% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.89%
Auto Loan - 2025 & Newer Loan	-	-	6.38%	76 - 84 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 6.38% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.89%
Auto Loan	-	-	6.40%	76 - 84 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.40% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.89%
2019 - 2020 Auto Loan	-	-	6.47%	61 - 72 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.47% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.89%
Auto Loan	-	-	6.59%	76 - 84 months
Details Model Year: 2022 - 2023 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.59% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.89%
Auto Loan - 2013 & Older Loan	-	-	6.63%	Up to 24 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 6.63% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.89%
Auto Loan - 2013 & Older Loan	-	-	6.69%	25 - 36 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 6.69% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.89%

Prime Financial Credit Union Other Rates

Product	Rate	Points	APY/APR
Christmas Club	-	-	0.05%
Min Balance $0 Details Open Online Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.89%
Savers Club	-	-	0.05%
Min Balance $0 Details Open Online Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.89%

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.

Financial Health History

Prime Financial Credit Union’s Texas Ratio stayed near 10.79% in Q3 2023 to 10.89% 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. 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)

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$161M	10.89%	5.0	A
March 31, 2026	$162M	6.63%	5.0	A
December 31, 2025	$159M	10.20%	5.0	A
September 30, 2025	$161M	11.35%	5.0	A
June 30, 2025	$159M	11.07%	5.0	A
March 31, 2025	$159M	9.05%	5.0	A
December 31, 2024	$154M	14.67%	5.0	A-
September 30, 2024	$151M	12.96%	5.0	A
June 30, 2024	$151M	13.01%	5.0	A
March 31, 2024	$151M	10.94%	5.0	A
December 31, 2023	$149M	12.46%	5.0	A
September 30, 2023	$152M	10.79%	5.0	A

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 Prime Financial 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 Prime Financial 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 Prime Financial Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Prime Financial Credit Union

Website https://www.primefinancialcu.org

Address 5656 S Packard Ave, Cudahy, WI 53110-2657

Phone 414-486-4500

Fax 414-486-4510

President Kelly Martyka

CEO Christine Moczynski

Full-Time Employees 55

Part-Time Employees 4

Branch Locations 5

ATM Locations 2

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (95/100)

Texas Ratio

10.89%

Return on Assets (ROA)

0.3537%

Return on Equity (ROE)

3.5072%

Non-Performing Loans Ratio (NPL)

1.50%

Total Assets

161,279,071

Total Amount of Shares and Deposits

137,317,714

Total Shares and Deposits < 1 Year

132,104,783

Total Shares and Deposits 1 3 Years

4,655,314

Total Shares and Deposits > 3 Years

557,617

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

3,129,537

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

3,129,537

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

134,188,177

Total Interest Expense (Sum of items 6 8)

517,986

Share Certificates

697

Number of Accounts for Share Drafts

8,745

IRA KEOGH Accounts

353

Number of Accounts for Regular Shares

18,717

Non Member Deposits

Money Market Shares

432

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)

12,066,561

Total Liabilities

145,013,111

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Prime Financial Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 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; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/credit-unions/prime-financial-credit-union-rates-review-66449">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About Prime Financial Credit Union

How many branches does Prime Financial Credit Union operate?

Prime Financial 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 Prime Financial Credit Union?

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

Does Prime Financial Credit Union offer online and mobile banking?

Most modern institutions like Prime Financial 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.primefinancialcu.org.