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PrimeTrust Financial Federal Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
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.
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 28, 2026
PrimeTrust Financial Federal Credit Union's 1 Year CD rates are at 4.00%, 6 Month CD rates are at 3.50%, 2 Year CD rates are at 3.04%, 3 Year CD rates are at 2.79%, 4 Year CD rates are at 2.79%. PrimeTrust Financial Federal Credit Union's savings rates are at 0.50%. PrimeTrust Financial Federal Credit Union's money market rates are at 2.79%. PrimeTrust Financial Federal Credit Union's checking rates are as high as 3.55%. PrimeTrust Financial Federal Credit Union's 1st Mortgage Loans - 10 year rates are at 6.12%, 1st Mortgage Loans - 15 year rates are at 6.12%, 1st Mortgage Loans - 20 year rates are at 6.25%, 1st Mortgage Loans - 30 year rates are at 6.25%. PrimeTrust Financial Federal Credit Union's Personal Loan Rates are as low as 8.00%. PrimeTrust Financial Federal Credit Union's Credit Card Rates are at 9.90%. PrimeTrust Financial Federal Credit Union's CD rates are 9% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of PrimeTrust Financial Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.78%. Rates last updated and verified on 10/28/2026.
PrimeTrust Financial 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 PrimeTrust Financial Federal Credit Union? Share your experience about PrimeTrust Financial Federal Credit Union by leaving a review below, or read customer reviews before you decide to use PrimeTrust Financial Federal Credit Union.
PrimeTrust Financial Federal Credit Union has earned an overall safety grade of A+ (Exceptional, Score: 97/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
PrimeTrust Financial Federal Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
5.78%
ExcellentLower than avg
PrimeTrust Financial Federal Credit Union Texas Ratio
PrimeTrust Financial Federal Credit Union's Texas Ratio is 5.78%, which is considered excellent and is lower than the national average of 6.13%.
PrimeTrust Financial Federal Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
PrimeTrust Financial Federal Credit Union Health Trend
4.40% to 5.78% over 12 quarters, steadyFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this credit union has held steady at a healthy level since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
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.
PrimeTrust Financial Federal Credit Union CD Rates
Product
Rate
APY
Term
View More
1 Year Share Certificate
3.924%
4.00%
1 Year
Min Deposit$1,000
DetailsNo rate bump available
Last Updated10/28/2026
Rate History
No change since Sep 25, 2026 · 4.00% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.78%
IRA Certificates - 1 Year
3.924%
4.00%
1 Year
Min Deposit$1,000
DetailsNot eligible for Direct Deposit discount
Last Updated10/28/2026
Rate History
No change since Oct 12, 2026 · 4.00% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.78%
IRA special Share Certificates - 9 Month
3.827%
3.90%
9 Month
Min Deposit$1,000
DetailsNot eligible for Direct Deposit discount
Last Updated10/28/2026
Rate History
No change since Oct 15, 2026 · 3.90% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.78%
Special Share Certificates - 9 Month
3.827%
3.90%
9 Month
Min Deposit$1,000
Detailsnot eligible for Direct Deposit discount; $1000 minimum
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 3.90% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.78%
6 Month Share Certificate
3.45%
3.50%
6 Month
Min Deposit$1,000
DetailsNo rate bump available
Last Updated10/28/2026
Rate History
No change since Sep 25, 2026 · 3.50% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.78%
IRA Certificates - 6 Month
3.45%
3.50%
6 Month
Min Deposit$1,000
DetailsNot eligible for Direct Deposit discount
Last Updated10/28/2026
Rate History
No change since Oct 12, 2026 · 3.50% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.78%
2 Year Share Certificate
3.00%
3.04%
2 Year
Min Deposit$1,000
Last Updated10/28/2026
Rate History
No change since Sep 25, 2026 · 3.04% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.78%
IRA Certificates - 2 Year
3.00%
3.04%
2 Year
Min Deposit$1,000
Last Updated10/28/2026
Rate History
No change since Oct 12, 2026 · 3.04% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.78%
3 Year Share Certificate
2.75%
2.79%
3 Year
Min Deposit$1,000
Last Updated10/28/2026
Rate History
No change since Sep 25, 2026 · 2.79% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.78%
4 Year Share Certificate
2.75%
2.79%
4 Year
Min Deposit$1,000
Last Updated10/28/2026
Rate History
No change since Sep 25, 2026 · 2.79% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.78%
5 Year Share Certificate
2.75%
2.79%
5 Year
Min Deposit$1,000
Last Updated10/28/2026
Rate History
No change since Sep 25, 2026 · 2.79% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.78%
IRA Certificates - 3 Year
2.75%
2.79%
3 Year
Min Deposit$1,000
Last Updated10/28/2026
Rate History
No change since Oct 12, 2026 · 2.79% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.78%
IRA Certificates - 4 Year
2.75%
2.79%
4 Year
Min Deposit$1,000
Last Updated10/28/2026
Rate History
No change since Oct 12, 2026 · 2.79% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.78%
IRA Certificates - 5 Year
2.75%
2.79%
5 Year
Min Deposit$1,000
Last Updated10/28/2026
Rate History
No change since Oct 12, 2026 · 2.79% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.78%
PrimeTrust Financial Federal Credit Union Savings Rates
Product
Rate
APY
View More
HSA - Health Savings Account
0.50%
0.50%
Min Balance$2,500
DetailsBalance: $2,500+
Last Updated10/28/2026
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.78%
HSA - Health Savings Account
0.35%
0.35%
Min Balance$0
DetailsBalance: $0 - $2,499.99
Last Updated10/28/2026
Rate History
No change since Sep 14, 2026 · 0.35% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.78%
IRA Shares
0.10%
0.10%
Min Deposit$50
Last Updated10/28/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.78%
Christmas Club (Savings)
0.05%
0.05%
No additional details.
Last Updated10/28/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.78%
Share (Savings)
0.05%
0.05%
No additional details.
Last Updated10/28/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.78%
Special Shares (Savings)
0.05%
0.05%
No additional details.
Last Updated10/28/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.78%
PrimeTrust Financial Federal Credit Union Business Savings Rates
Product
Rate
APY
View More
Basic Business Savings
0.05%
0.05%
Min Balance$25
DetailsBalance: All Balances over $99.99; $25 minimum balance
Last Updated10/28/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.78%
PrimeTrust Financial Federal Credit Union Money Market Rates
Product
Rate
APY
View More
Money Market
1.25%
1.26%
Min Balance$50,000
DetailsBalance: $50,000 and over
Last Updated10/28/2026
Rate History
No change since Sep 14, 2026 · 1.26% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.78%
Money Market
0.90%
0.90%
Min Balance$25,000
DetailsBalance: $25,000 - $49,999
Last Updated10/28/2026
Rate History
No change since Sep 14, 2026 · 0.90% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.78%
Money Market
0.80%
0.80%
Min Balance$2,500
DetailsBalance: $2,500 - $24,999
Last Updated10/28/2026
Rate History
No change since Sep 14, 2026 · 0.80% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.78%
Money Market
0.05%
0.05%
Min Balance$0
DetailsBalance: $0 - $2,499
Last Updated10/28/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.78%
PrimeTrust Financial Federal Credit Union Business Money Market Rates
Product
Rate
APY
View More
Business Money Market
2.75%
2.79%
Min Balance$5,000
DetailsBalance: $5,000 or more
Last Updated10/28/2026
Rate History
No change since Sep 14, 2026 · 2.79% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.78%
Business Money Market
1.25%
1.26%
Min Balance$50,000
DetailsBalance: $50,000.00 and over; $2,500 min. balance
Last Updated10/28/2026
Rate History
No change since Sep 14, 2026 · 1.26% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.78%
Business Money Market
0.90%
0.90%
Min Balance$25,000
DetailsBalance: $25,000.00 - $49,999.99; $2,500 min. balance
Last Updated10/28/2026
Rate History
No change since Sep 14, 2026 · 0.90% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.78%
Business Money Market
0.80%
0.80%
Min Balance$2,500
DetailsBalance: $2,500.00 - $24,999.99; $2,500 min. balance
Last Updated10/28/2026
Rate History
No change since Sep 14, 2026 · 0.80% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.78%
Business Money Market
0.05%
0.05%
Min Balance$0
DetailsBalance: $0.00 - $2,499.99; $2,500 min. balance
Last Updated10/28/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.78%
PrimeTrust Financial Federal Credit Union Checking Rates
Product
Rate
APY
View More
Peace of Mind Plus - POM+ Checking
3.489%
3.55%
DetailsTier: balances up to $15,000*
Last Updated10/28/2026
Rate History
1 change since Sep 14, 2026 · 0.10% → 3.55% ▲ 3.45 pts · high 3.55% / low 0.10%
Oct 12, 20263.55%▲ from 0.10%
Sep 14, 20260.10%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.78%
StartRight Youth Checking
1.341%
1.35%
DetailsQualifications Required: Must meet program requirements; Tier: balances up to $2,000*; *Must meet program requirements
Last Updated10/28/2026
Rate History
1 change since Sep 14, 2026 · 0.05% → 1.35% ▲ 1.30 pts · high 1.35% / low 0.05%
Oct 15, 20261.35%▲ from 0.05%
Sep 14, 20260.05%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.78%
Peace of Mind Plus - POM+ Checking
0.10%
0.10%
No additional details.
Last Updated10/28/2026
Rate History
2 changes since Sep 14, 2026 · 0.10% → 0.10% ▼ 0.00 pts · high 3.55% / low 0.10%
Oct 23, 20260.10%▼ from 3.55%
Oct 12, 20263.55%▲ from 0.10%
Sep 14, 20260.10%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.78%
StartRight Youth Checking
0.05%
0.05%
No additional details.
Last Updated10/28/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.78%
E-ssential Checking
0.00%
0.00%
No additional details.
Last Updated10/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.78%
Peace of Mind - POM Checking
0.00%
0.00%
No additional details.
Last Updated10/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.78%
PrimeTrust Financial Federal Credit Union Business Checking Rates
Product
Rate
APY
View More
Business Checking
0.10%
0.10%
Min Balance$25,000
DetailsBalance: $25,000 or higher; $1000 minimum balance product
Last Updated10/28/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.78%
Business Checking
0.05%
0.05%
Min Balance$1,000
DetailsBalance: $1,000 to $24,999.99; $1000 minimum balance product
Last Updated10/28/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.78%
Business Checking
0.00%
0.00%
Min Balance$0
DetailsBalance: $0 to $999.99; $1000 minimum balance product
Last Updated10/28/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.78%
PrimeTrust Financial Federal Credit Union Mortgage Rates
Product
Rate
Points
APR
Term
View More
1st Mortgage Loans - 10 year
-
-
6.125%
10 year
DetailsAs Low As; Rates effective 10/13/2026
Last Updated10/28/2026
Rate History
1 change since Sep 14, 2026 · 5.99% → 6.13% ▲ 0.13 pts · high 6.13% / low 5.99%
Oct 12, 20266.13%▲ from 5.99%
Sep 14, 20265.99%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.78%
1st Mortgage Loans - 15 year
-
-
6.125%
15 year
DetailsAs Low As; Rates effective 10/13/2026
Last Updated10/28/2026
Rate History
1 change since Sep 14, 2026 · 5.99% → 6.13% ▲ 0.13 pts · high 6.13% / low 5.99%
Oct 12, 20266.13%▲ from 5.99%
Sep 14, 20265.99%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.78%
1st Mortgage Loans - 20 year
-
-
6.25%
20 year
DetailsAs Low As; Rates effective 10/13/2026
Last Updated10/28/2026
Rate History
1 change since Sep 14, 2026 · 5.99% → 6.25% ▲ 0.26 pts · high 6.25% / low 5.99%
Oct 12, 20266.25%▲ from 5.99%
Sep 14, 20265.99%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.78%
1st Mortgage Loans - 30 year
-
-
6.25%
30 year
DetailsAs Low As; Rates effective 10/13/2026
Last Updated10/28/2026
Rate History
1 change since Sep 14, 2026 · 5.99% → 6.25% ▲ 0.26 pts · high 6.25% / low 5.99%
Oct 12, 20266.25%▲ from 5.99%
Sep 14, 20265.99%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.78%
PrimeTrust Financial Federal Credit Union Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
Home Equity HELoC
-
-
7.00%
DetailsAs Low As; Homepage featured rate; Home equity line of credit
Last Updated10/28/2026
Rate History
1 change since Oct 2, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75%
Oct 15, 20267.00%▲ from 6.75%
Oct 2, 20266.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.78%
Home Equity Loan - 5 Year
-
-
7.00%
5 year
DetailsAs Low As; Equity loans up to 90% LTV (Loan to Value)
Last Updated10/28/2026
Rate History
No change since Oct 12, 2026 · 7.00% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.78%
Home Equity Loan - 10 Year
-
-
7.25%
10 year
DetailsAs Low As; Equity loans up to 90% LTV (Loan to Value)
Last Updated10/28/2026
Rate History
No change since Oct 12, 2026 · 7.25% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.78%
Home Equity Loan - 15 Year
-
-
7.375%
15 year
DetailsAs Low As; Equity loans up to 90% LTV (Loan to Value)
Last Updated10/28/2026
Rate History
No change since Oct 12, 2026 · 7.38% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.78%
PrimeTrust Financial Federal Credit Union Auto Loan Rates
No change since Oct 15, 2026 · 5.24% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.78%
Vehicle Loans - 2021 through 2023 Models
-
-
5.49%
DetailsModel year 2023; Additional APR listed for this product: 5.74%, 6.24%. As Low As; Published rates for vehicles (passenger cars, trucks, SUVs & vans); APR*
Last Updated10/28/2026
Rate History
No change since Oct 28, 2026 · 5.49% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.78%
Vehicle Loans - 2024 through 2027 Models
-
-
5.49%
DetailsModel year 2027; As Low As; APR* as low as; Vehicle loans for passenger cars, trucks, SUVs & vans; Rates Effective: 10/01/2026
Last Updated10/28/2026
Rate History
No change since Oct 28, 2026 · 5.49% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.78%
Vehicle Loans - 2024 through 2027 Models
-
-
6.24%
DetailsModel year 2027; As Low As; APR* as low as; Loan Amounts over $20k only; Vehicle loans for passenger cars, trucks, SUVs & vans; Rates Effective: 10/01/2026
DetailsModel year 2026; Additional APR listed for this product: 7.49%, 7.75%, 9.25%. As Low As; Model Year: 2023 through 2026; Rates effective as of 09/21/2026
Last Updated10/28/2026
Rate History
No change since Oct 15, 2026 · 7.25% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.78%
Boat Loans - 2016 through 2022 models
-
8.75%
DetailsModel year 2022; Additional APR listed for this product: 9.00%, 9.25%, 10.75%. As Low As; Boat loan; 2016 through 2022 models
Last Updated10/28/2026
Rate History
No change since Oct 15, 2026 · 8.75% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.78%
RV / Campers / Trailers Loan
-
8.75%
36- 48 Months
DetailsAs Low As; Model Years: 2016 through 2022
Last Updated10/28/2026
Rate History
No change since Oct 28, 2026 · 8.75% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.78%
RV / Campers / Trailers Loan
-
9.00%
49-66 Months
DetailsAs Low As; Model Years: 2016 through 2022
Last Updated10/28/2026
Rate History
No change since Oct 28, 2026 · 9.00% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.78%
RV / Campers / Trailers Loan
-
9.25%
67-75 Months
DetailsAs Low As; Model Years: 2016 through 2022
Last Updated10/28/2026
Rate History
No change since Oct 28, 2026 · 9.25% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.78%
Boat Loans - 2023 through 2026 models
-
9.75%
DetailsModel year 2026; As Low As; Loan amounts over $40k only
Last Updated10/28/2026
Rate History
No change since Oct 15, 2026 · 9.75% APR · checked 3 times
DetailsModel year 2026; As Low As; Model Year: 2023 through 2026; Loan amounts over $40k only; Rates effective as of 09/21/2026
Last Updated10/28/2026
Rate History
No change since Oct 15, 2026 · 9.75% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.78%
RV / Campers / Trailers Loan
-
10.75%
76- 84 Months
DetailsAs Low As; Model Years: 2016 through 2022
Last Updated10/28/2026
Rate History
No change since Oct 28, 2026 · 10.75% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.78%
PrimeTrust Financial Federal Credit Union Credit Card Rates
Product
Rate
APR
View More
Platinum Visa
-
9.90%
DetailsAPR = Annual Percentage Rate; subject to credit approval
Last Updated10/28/2026
Rate History
No change since Sep 14, 2026 · 9.90% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.78%
Launch Visa (Secured for building credit)
-
10.99%
DetailsAPR = Annual Percentage Rate; subject to credit approval
Last Updated10/28/2026
Rate History
No change since Sep 14, 2026 · 10.99% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.78%
Business Visa
-
12.90%
DetailsAPR = Annual Percentage Rate; subject to credit approval
Last Updated10/28/2026
Rate History
No change since Sep 14, 2026 · 12.90% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.78%
Gold Visa
-
12.90%
DetailsAPR = Annual Percentage Rate; subject to credit approval
Last Updated10/28/2026
Rate History
No change since Sep 14, 2026 · 12.90% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.78%
Classic Visa
-
14.90%
DetailsAPR = Annual Percentage Rate; subject to credit approval
Last Updated10/28/2026
Rate History
No change since Sep 14, 2026 · 14.90% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.78%
PrimeTrust Financial Federal Credit Union Personal Loan Rates
Product
APR
Term
View More
MyLine (signature line of credit)
8.00%
5 Year
DetailsTerm: 5 Year Draw / 5 Year Repay; As Low As; Floor 5% not stated for this row
Last Updated10/28/2026
Rate History
No change since Oct 12, 2026 · 8.00% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.78%
Personal Loans
8.74%
DetailsAs Low As; Homepage featured rate; Personal loan (unsecured)
Last Updated10/28/2026
Rate History
No change since Oct 4, 2026 · 8.74% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.78%
Personal loan (unsecured)
8.99%
12 month
DetailsAs Low As; APR* as low as
Last Updated10/28/2026
Rate History
No change since Sep 14, 2026 · 8.99% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.78%
Personal loan (unsecured)
10.24%
24 month
DetailsAs Low As; APR* as low as
Last Updated10/28/2026
Rate History
No change since Sep 14, 2026 · 10.24% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.78%
Personal loan (unsecured)
11.74%
25-60 months
DetailsAs Low As; APR* as low as
Last Updated10/28/2026
Rate History
No change since Sep 14, 2026 · 11.74% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.78%
Financial Health History
PrimeTrust Financial Federal Credit Union’s Texas Ratio rose from 4.40% in Q3 2023 to 5.78% 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
$273M
5.78%
5.0
A+
March 31, 2026
$265M
2.44%
5.0
A+
December 31, 2025
$257M
2.49%
5.0
A+
September 30, 2025
$244M
2.81%
5.0
A+
June 30, 2025
$244M
1.82%
5.0
A+
March 31, 2025
$245M
2.99%
5.0
A+
December 31, 2024
$239M
10.75%
5.0
A
September 30, 2024
$240M
3.96%
5.0
A+
June 30, 2024
$236M
4.18%
5.0
A+
March 31, 2024
$236M
4.61%
5.0
A+
December 31, 2023
$225M
4.34%
5.0
A+
September 30, 2023
$208M
4.40%
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 PrimeTrust Financial 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 PrimeTrust Financial 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 PrimeTrust Financial Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union NamePrimeTrust Financial Federal Credit Union
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
9,745,505
Total Uninsured Shares and Deposits > $250K (F+J)
9,745,505
Total Insured Shares and Deposits > $250K (item 17 less item K)
233,349,994
Total Interest Expense (Sum of items 6 8)
1,491,636
Share Certificates
1,450
Number of Accounts for Share Drafts
11,616
IRA KEOGH Accounts
462
Number of Accounts for Regular Shares
18,902
All other shares
5,814
Non Member Deposits
6
Money Market Shares
679
Net Income (unless the amount is already included in Undivided Earnings)
130,767
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)
18,039,831
Total Liabilities
244,611,574
Source: NCUA — Last Updated 06/30/2026
2026 MBR Health & Safety Badge
PrimeTrust Financial Federal Credit Union 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.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
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Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for PrimeTrust Financial Federal Credit Union
Frequently Asked Questions About PrimeTrust Financial Federal Credit Union
Does PrimeTrust Financial Federal Credit Union offer CDs?
Yes. PrimeTrust Financial Federal Credit Union current CD rates include its 1 Year CD at 4.00% APY, its 6 Month CD at 3.50% APY and its 2 Year CD at 3.04% APY, verified by MonitorBankRates as of October 28, 2026.
Are CDs from PrimeTrust Financial Federal Credit Union NCUA insured?
Yes. PrimeTrust Financial 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 PrimeTrust Financial Federal Credit Union?
The highest PrimeTrust Financial Federal Credit Union CD rate is its 1 Year CD at 4.00% APY, verified by MonitorBankRates as of October 28, 2026.
What CD terms does PrimeTrust Financial Federal Credit Union offer?
PrimeTrust Financial Federal Credit Union CD rates are 3.50% APY for a 6 month CD, 4.00% APY for a 12 month CD, 3.04% APY for a 2 year CD, 2.79% APY for a 3 year CD, 2.79% APY for a 4 year CD and 2.79% 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 PrimeTrust Financial Federal Credit Union for its full lineup.
What is the highest savings rate at PrimeTrust Financial Federal Credit Union?
The highest PrimeTrust Financial Federal Credit Union savings rate is its HSA - Health Savings Account at 0.50% APY, verified by MonitorBankRates as of October 28, 2026.
What is the highest money market rate at PrimeTrust Financial Federal Credit Union?
The highest PrimeTrust Financial Federal Credit Union money market rate is its Business Money Market at 2.79% APY, verified by MonitorBankRates as of October 28, 2026.
What is the highest checking rate at PrimeTrust Financial Federal Credit Union?
The highest PrimeTrust Financial Federal Credit Union checking rate is its Peace of Mind Plus - POM+ Checking at 3.55% APY, verified by MonitorBankRates as of October 28, 2026.
What is the lowest mortgage rate at PrimeTrust Financial Federal Credit Union?
The lowest PrimeTrust Financial Federal Credit Union mortgage rate is its 1st Mortgage Loans - 10 year at 6.125% APR, verified by MonitorBankRates as of October 28, 2026. PrimeTrust Financial Federal Credit Union mortgage rates are 6.25% APR for a 30 year mortgage, 6.25% APR for a 20 year mortgage, 6.125% APR for a 15 year mortgage and 6.125% APR for a 10 year mortgage.
What is the lowest auto loan rate at PrimeTrust Financial Federal Credit Union?
The lowest PrimeTrust Financial Federal Credit Union auto loan rate is its Vehicle Loans at 5.24% APR, verified by MonitorBankRates as of October 28, 2026.
What is the lowest personal loan rate at PrimeTrust Financial Federal Credit Union?
The lowest PrimeTrust Financial Federal Credit Union personal loan rate is its MyLine (signature line of credit) at 8.00% APR, verified by MonitorBankRates as of October 28, 2026.
What is the lowest credit card APR at PrimeTrust Financial Federal Credit Union?
The lowest PrimeTrust Financial Federal Credit Union credit card APR is its Platinum Visa Credit Card at 9.90% APR, verified by MonitorBankRates as of October 28, 2026.
How many branches does PrimeTrust Financial Federal Credit Union operate?
PrimeTrust Financial 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 PrimeTrust Financial Federal Credit Union?
Yes, to access services at PrimeTrust Financial 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, PrimeTrust Financial 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, PrimeTrust Financial Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.
Does PrimeTrust Financial Federal Credit Union offer online and mobile banking?
Most modern institutions like PrimeTrust Financial 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.primetrustcu.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 PrimeTrust Financial Federal Credit Union rates compare?
PrimeTrust Financial Federal Credit Union's CD rates are 9% higher than the MonitorBankRates national average, and it has an A+ health rating. PrimeTrust Financial Federal Credit Union's top rates are its 1 Year CD at 4.00% APY, its HSA - Health Savings Account at 0.50% APY, its Business Money Market at 2.79% APY, its Peace of Mind Plus - POM+ Checking at 3.55% APY, its 1st Mortgage Loans - 10 year at 6.125%, its MyLine (signature line of credit) at 8.00% APR and its Platinum Visa Credit Card at 9.90% APR, verified by MonitorBankRates on October 28, 2026.
Current PrimeTrust Financial Federal Credit Union Rates
12-Month CD4.00%
24-Month CD3.04%
60-Month CD2.79%
Savings0.50%
MMA2.79%
Retrieved from our database of financial products. Rates subject to change.