What are the current interest rates at Public Safety Credit Union?

Current rates for Public Safety Credit Union include: 12-Month CD: 3.90%, 24-Month CD: 3.50%, 60-Month CD: 3.50%, MMA: 1.00%

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Public Safety Credit Union Rates & Review August 2026

Q: Is a member application needed to join Public Safety Credit Union?

Yes, to access services at Public Safety 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, Public Safety 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: August 28, 2026

Public Safety Credit Union's 1 Year rates are at 3.90%, 1.5 Year rates are at 3.60%, 2 Year rates are at 3.50%, 3 Year rates are at 3.50%, 4 Year rates are at 3.50%. Public Safety Credit Union's money market rates are at 1.00%. MonitorBankRates evaluates the financial stability of Public Safety Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.98%. Rates last updated and verified on 08/28/2026.

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

Verified Strong Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.98%

Excellent Lower than avg

Public Safety Credit Union
Main Office

2800 E 14th St
Kansas City, MO 64127

https://www.publicsafetycu.org

Public Safety Credit Union CD Rates

Product	Rate	APY	Term
1 Year	3.83%	3.90%	1 Year
Min Deposit $500 Details Certificate rates vary based on member relationship with the Credit Union. Rates shown include all available bonuses. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.98%
1.5 Year	3.54%	3.60%	1.5 Year
Min Deposit $500 Details Certificate rates vary based on member relationship with the Credit Union. Rates shown include all available bonuses. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.98%
2 Year	3.44%	3.50%	2 Year
Min Deposit $500 Details Certificate rates vary based on member relationship with the Credit Union. Rates shown include all available bonuses. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.98%
3 Year	3.44%	3.50%	3 Year
Min Deposit $500 Details Certificate rates vary based on member relationship with the Credit Union. Rates shown include all available bonuses. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.98%
4 Year	3.44%	3.50%	4 Year
Min Deposit $500 Details Certificate rates vary based on member relationship with the Credit Union. Rates shown include all available bonuses. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.98%
5 Year	3.44%	3.50%	5 Year
Min Deposit $500 Details Certificate rates vary based on member relationship with the Credit Union. Rates shown include all available bonuses. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.98%
6 Month	3.44%	3.50%	6 Month
Min Deposit $500 Details Certificate rates vary based on member relationship with the Credit Union. Rates shown include all available bonuses. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.98%

Public Safety Credit Union Money Market Rates

Product	Rate	APY	View More
Money Market	-	1.00%
Details As High As; ** Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.98%

Public Safety Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
1-year Fixed Home Equity Line of Credit	-	-	4.99%	1 year
Details Up to 80% Loan to Value Rates as low as Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.98%
1-year Fixed Home Equity Line of Credit	-	-	5.49%	1 year
Details 81- 90% Loan to Value Rates as low as Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.98%

Public Safety Credit Union Credit Card Rates

Product	Rate	APR
Mastercard Secured	-	7.99%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.98%
Credit Cards	-	8.99%
Details The APR will vary with the market. The APR is determined by adding your assigned margin to the Wall Street Journal Prime Rate. Offers subject to credit approval; terms may vary. No annual fee or balance transfer fee. Cash advance fee is 2% (min $5) with maximum of $75. Minimum payment of $25. Qualification is required and determined on individual credit performance. Interest begins to accrue at time of balance transfer or cash advance. Reward points apply to Rewards Mastercard and on purchase transactions only. Some restrictions may apply. Foreign transaction fees may apply. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.98%
Mastercard Low Rate	-	8.99%
Details Rates as low as Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.98%
Mastercard Rewards	-	13.74%
Details Rates as low as Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.98%

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.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Public Safety 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 Public Safety 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 Public Safety Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Public Safety Credit Union

Website https://www.publicsafetycu.org

Address 2800 E 14th St, Kansas City, MO 64127

Phone 816-504-2800

Fax 816-504-2888

President Kelly Eckert

CEO Mary Shea

Full-Time Employees 41

Part-Time Employees 8

Branch Locations 5

ATM Locations 5

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.98%

Return on Assets (ROA)

0.8269%

Return on Equity (ROE)

6.7253%

Non-Performing Loans Ratio (NPL)

0.19%

Total Assets

185,756,447

Total Amount of Shares and Deposits

162,674,655

Total Shares and Deposits < 1 Year

158,094,882

Total Shares and Deposits 1 3 Years

3,327,960

Total Shares and Deposits > 3 Years

1,251,813

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

5,423,771

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

5,423,771

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

157,250,884

Total Interest Expense (Sum of items 6 8)

769,838

Share Certificates

655

Number of Accounts for Share Drafts

10,209

IRA KEOGH Accounts

350

Number of Accounts for Regular Shares

16,686

All other shares

267

Money Market Shares

974

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)

20,897,138

Total Liabilities

163,420,592

Source: NCUA — Last Updated 09/30/2025

2026 MBR Health & Safety Badge

Public Safety Credit Union earned the Verified Strong badge

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Frequently Asked Questions About Public Safety Credit Union

How many branches does Public Safety Credit Union operate?

Public Safety 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 Public Safety Credit Union?

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

Does Public Safety Credit Union offer online and mobile banking?

Most modern institutions like Public Safety 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.publicsafetycu.org.