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Promedica Federal Credit Union

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Promedica Federal Credit Union Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Promedica Federal 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: September 21, 2026

Promedica Federal Credit Union's Auto Loan Rates are as low as 6.99%. MonitorBankRates evaluates the financial stability of Promedica Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.73%. Rates last updated and verified on 09/21/2026.

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

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.73%

Excellent Lower than avg

Health Trend

Worsening 12 quarters

Full history ›

Promedica Federal Credit Union
PFCU - Downtown

245 N Summit St
Toledo, OH 43604-1577

https://www.promedicafcu.com

Promedica Federal Credit Union Checking Rates

Product	Rate	APY
Pinnacle Checking	-	3.00%
Min Balance $0 Details Qualifications Required: Direct Deposit Totaling $600 per Month; 15 Total Debit Card Transactions per Month; eStatements; VISA Card (No Minimum Charge Required); No Monthly Account Fee; Free Nationwide ATMs (Out of Network ATMs with $8 Monthly Fees Reimbursed) Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.73%
Premier Checking	-	0.05%
Min Balance $600 Details Qualifications Required: Direct Deposit Totaling $600 per Month; No Monthly Account Fee; Free Checks Forever with Direct Deposit Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.73%

Promedica Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
New Auto Loan	-	-	6.99%	60 months
Details APR rate includes Premier relationship discount. Processing fee applies on approved loans and will increase APR after consummation. Interest will continue to accrue during the 90 days with no payment option. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.73%

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.
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Financial Health History

Promedica Federal Credit Union’s Texas Ratio rose from 0.32% in Q2 2023 to 3.73% in Q1 2026, so its financial health has weakened 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

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
March 31, 2026	$61M	3.73%	5.0	A+
December 31, 2025	$59M	4.54%	5.0	A+
September 30, 2025	$60M	5.09%	5.0	A+
June 30, 2025	$62M	5.25%	5.0	A+
March 31, 2025	$61M	4.74%	5.0	A+
December 31, 2024	$60M	1.28%	5.0	A+
September 30, 2024	$60M	0.49%	5.0	A+
June 30, 2024	$64M	1.13%	5.0	A+
March 31, 2024	$65M	0.97%	5.0	A+
December 31, 2023	$65M	0.89%	5.0	A+
September 30, 2023	$68M	0.14%	5.0	A+
June 30, 2023	$71M	0.32%	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 Promedica 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 Promedica 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 Promedica Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Promedica Federal Credit Union

Website https://www.promedicafcu.com

Address 245 N Summit St, Toledo, OH 43604-1577

Phone 419-479-1300

Fax 419-479-4021

President David Gang

CEO Raymond Hupp

Full-Time Employees 20

Part-Time Employees 0

Branch Locations 4

ATM Locations 4

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.73%

Return on Assets (ROA)

0.0208%

Return on Equity (ROE)

0.2073%

Non-Performing Loans Ratio (NPL)

0.80%

Total Assets

61,481,807

Total Amount of Shares and Deposits

52,580,082

Total Shares and Deposits < 1 Year

51,326,884

Total Shares and Deposits 1 3 Years

1,138,607

Total Shares and Deposits > 3 Years

114,591

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

317,298

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

317,298

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

52,262,784

Total Interest Expense (Sum of items 6 8)

92,237

Share Certificates

189

Number of Accounts for Share Drafts

4,067

IRA KEOGH Accounts

165

Number of Accounts for Regular Shares

9,330

Money Market Shares

364

Net Income (unless the amount is already included in Undivided Earnings)

8,115

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)

8,034,584

Total Liabilities

55,313,802

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Promedica 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 — no need to download or upload anything.

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

Customer Reviews

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Frequently Asked Questions About Promedica Federal Credit Union

How many branches does Promedica Federal Credit Union operate?

Promedica 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 Promedica Federal Credit Union?

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

Does Promedica Federal Credit Union offer online and mobile banking?

Most modern institutions like Promedica 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.promedicafcu.com.