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Puget Sound Refinery Federal Credit Union

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Puget Sound Refinery Federal Credit Union Rates & Review August 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Puget Sound Refinery 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: August 29, 2026

Puget Sound Refinery Federal Credit Union's Personal Loan Rates are at 13.00%. MonitorBankRates evaluates the financial stability of Puget Sound Refinery Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.54%. Rates last updated and verified on 08/29/2026.

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

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

7.54%

Excellent Higher than avg

Puget Sound Refinery Federal Credit Union
Corporate Office

12275 Bartholomew Rd
Anacortes, WA 98221

https://psrfcu.org

Puget Sound Refinery Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity HELOC	-	-	7.50%	Quarterly
Details Owner Occupied; Variable Periodic Rate (VPR) is subject to change monthly. Check the current prime rate here. All loans are set up for a 15-year repayment at each draft like a LOC. You can set it up to have a minimum interest-only payment or payment and interest to pay off over 15 years. If interest only is chosen, at the end of 15 years it becomes a closed-end loan and you have 15 years to repay the total balance and interest. A minimum payment of $100.00/mo is required regardless of the amount drawn from the line of credit. Debt to income must be 45% or below. Over $90,000 requested is subject to board approval. Any first placed mortgages over $500,000 subject to other rates/restrictions/approvals. If any loans with PSRFCU are delinquent, withdrawal advances will be frozen until all accounts are current. Reconveyance fee is $450 (sometimes varies depending on which Title Company processes it; call for more info) of passthrough cost. Cost of application for HELOC is $750. Late Fee: $25.00 if payment received more than 15 days past the due date. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.54%
Home Equity HELOC	-	-	8.50%	Quarterly
Details Non-Owner Occupied; Variable Periodic Rate (VPR) is subject to change monthly. Check the current prime rate here. All loans are set up for a 15-year repayment at each draft like a LOC. You can set it up to have a minimum interest-only payment or payment and interest to pay off over 15 years. If interest only is chosen, at the end of 15 years it becomes a closed-end loan and you have 15 years to repay the total balance and interest. A minimum payment of $100.00/mo is required regardless of the amount drawn from the line of credit. Debt to income must be 45% or below. Over $90,000 requested is subject to board approval. Any first placed mortgages over $500,000 subject to other rates/restrictions/approvals. If any loans with PSRFCU are delinquent, withdrawal advances will be frozen until all accounts are current. Reconveyance fee is $450 (sometimes varies depending on which Title Company processes it; call for more info) of passthrough cost. Cost of application for HELOC is $750. Late Fee: $25.00 if payment received more than 15 days past the due date. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.54%
Home Equity HELOC	-	-	10.00%	15 year
Details Owner Occupied; Variable Periodic Rate (VPR) is subject to change monthly. Check the current prime rate here. All loans are set up for a 15-year repayment at each draft like a LOC. You can set it up to have a minimum interest-only payment or payment and interest to pay off over 15 years. If interest only is chosen, at the end of 15 years it becomes a closed-end loan and you have 15 years to repay the total balance and interest. A minimum payment of $100.00/mo is required regardless of the amount drawn from the line of credit. Debt to income must be 45% or below. Over $90,000 requested is subject to board approval. Any first placed mortgages over $500,000 subject to other rates/restrictions/approvals. If any loans with PSRFCU are delinquent, withdrawal advances will be frozen until all accounts are current. Reconveyance fee is $450 (sometimes varies depending on which Title Company processes it; call for more info) of passthrough cost. Cost of application for HELOC is $750. Late Fee: $25.00 if payment received more than 15 days past the due date. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.54%
Home Equity HELOC	-	-	11.00%	15 year
Details Non-Owner Occupied; Variable Periodic Rate (VPR) is subject to change monthly. Check the current prime rate here. All loans are set up for a 15-year repayment at each draft like a LOC. You can set it up to have a minimum interest-only payment or payment and interest to pay off over 15 years. If interest only is chosen, at the end of 15 years it becomes a closed-end loan and you have 15 years to repay the total balance and interest. A minimum payment of $100.00/mo is required regardless of the amount drawn from the line of credit. Debt to income must be 45% or below. Over $90,000 requested is subject to board approval. Any first placed mortgages over $500,000 subject to other rates/restrictions/approvals. If any loans with PSRFCU are delinquent, withdrawal advances will be frozen until all accounts are current. Reconveyance fee is $450 (sometimes varies depending on which Title Company processes it; call for more info) of passthrough cost. Cost of application for HELOC is $750. Late Fee: $25.00 if payment received more than 15 days past the due date. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.54%

Puget Sound Refinery Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR
Auto Loan - New	-	-	5.00%
Details Used: 6.00% Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.54%
Auto Loan - New	-	-	5.25%
Details Used: 6.25% Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.54%
Auto Loan - New	-	-	6.25%
Details Used: 7.25% Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.54%
Vehicle Loan	-	-	7.25%
Details Used: 8.25% Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.54%
Vehicle Loan	-	-	7.50%
Details Used: 8.50% Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.54%
Auto Loan - New	-	-	7.75%
Details Used: 8.75% Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.54%
Vehicle Loan	-	-	8.25%
Details Used: 9.25% Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.54%
Auto Loan - New	-	-	9.25%
Details Used: 10.25% Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.54%
Vehicle Loan	-	-	10.00%
Details Used: 11.00% Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.54%
Vehicle Loan	-	-	11.50%
Details Used: 12.50% Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.54%

Puget Sound Refinery Federal Credit Union Personal Loan Rates

Product	Rate	APR
Personal Loan	-	13.00%
Details Signature loan up to $10,000. Rates shown are floor rates with payroll direct deposit requirement. Starting at a 60-month term that increases 0.50% for each year added except for the A++ tier. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.54%
Personal Loan	-	13.50%
Details Signature loan up to $10,000. Rates shown are floor rates with payroll direct deposit requirement. Starting at a 60-month term that increases 0.50% for each year added except for the A++ tier. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.54%
Personal Loan	-	15.00%
Details Signature loan up to $7,000. Rates shown are floor rates with payroll direct deposit requirement. Starting at a 60-month term that increases 0.50% for each year added except for the A++ tier. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.54%
Personal Loan	-	15.59%
Details Signature loan up to $4,000. Rates shown are floor rates with payroll direct deposit requirement. Starting at a 60-month term that increases 0.50% for each year added except for the A++ tier. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.54%
Personal Loan	-	15.99%
Details Signature loan up to $3,000. Rates shown are floor rates with payroll direct deposit requirement. Starting at a 60-month term that increases 0.50% for each year added except for the A++ tier. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.54%

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 Puget Sound Refinery 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 Puget Sound Refinery 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 Puget Sound Refinery Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Puget Sound Refinery Federal Credit Union

Website https://psrfcu.org

Address 12275 Bartholomew Rd, Anacortes, WA 98221

Phone 360-293-4862

Fax 360-588-1032

President Larry Miner

CEO Darene Follett

Full-Time Employees 3

Part-Time Employees 1

Branch Locations 2

ATM Locations 0

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (96/100)

Texas Ratio

7.54%

Return on Assets (ROA)

0.6050%

Return on Equity (ROE)

4.1938%

Non-Performing Loans Ratio (NPL)

1.91%

Total Assets

18,389,696

Total Amount of Shares and Deposits

15,654,609

Total Shares and Deposits < 1 Year

15,654,609

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

1,163,867

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

1,163,867

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

14,490,742

Total Interest Expense (Sum of items 6 8)

221,972

Share Certificates

Number of Accounts for Share Drafts

392

Number of Accounts for Regular Shares

1,470

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

111,264

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)

3,822,838

Total Liabilities

15,736,625

Source: NCUA — Last Updated 09/30/2025

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Frequently Asked Questions About Puget Sound Refinery Federal Credit Union

How many branches does Puget Sound Refinery Federal Credit Union operate?

Puget Sound Refinery 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 Puget Sound Refinery Federal Credit Union?

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

Does Puget Sound Refinery Federal Credit Union offer online and mobile banking?

Most modern institutions like Puget Sound Refinery 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://psrfcu.org.