What are the current interest rates at Park City Credit Union?

Current rates for Park City Credit Union include: 12-Month CD: 0.50%, 24-Month CD: 0.25%, 60-Month CD: 3.50%, Savings: 4.00%, MMA: 2.50%

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Park City Credit Union

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Park City Credit Union Rates & Review October 2026

Q: How many branches does Park City Credit Union operate?

Park City 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.

Q: Is a member application needed to join Park City Credit Union?

Yes, to access services at Park City 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: Is there a first-time homebuyer program?

Currently, Park City 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Park City 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

Park City Credit Union's top rates as of October 9, 2026 are 3.50% APY on its 13 Month IRA CD, 4.00% APY on savings, 2.50% APY on money market accounts, 5.00% APY on checking, 6.25% on its Mortgages, personal loans from 9.50% APR, and credit cards from 10.75% APR, according to rates verified by MonitorBankRates. Other Park City Credit Union CD rates include 60 Month IRA CD at 3.50%, 48 Month IRA CD at 3.25%, and 12 Month My First CD at 3.00%. Other Park City Credit Union mortgage rates include Mortgages at 6.40%, Mortgages at 6.70%, and Mortgages at 6.95%. MonitorBankRates evaluates the financial stability of Park City Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.71%. Rates last updated and verified on 10/09/2026.

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

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

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.71%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Park City Credit Union
Merrill Main

501 S Pine Ridge Ave
Merrill, WI 54452

https://www.parkcitycu.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.

Park City Credit Union CD Rates

Product	Rate	APY	Term
13 Month IRA Certificate	3.45%	3.50%	13 Month
Min Deposit $5,000 Last Updated 10/09/2026 Rate History No change since Sep 26, 2026 · 3.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%
60 Month IRA Certificate	3.45%	3.50%	60 Month
Min Deposit $1,000 Last Updated 10/09/2026 Rate History No change since Sep 26, 2026 · 3.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%
48 Month IRA Certificate	3.21%	3.25%	48 Month
Min Deposit $1,000 Last Updated 10/09/2026 Rate History No change since Sep 26, 2026 · 3.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%
12 Month My First Certificate	2.97%	3.00%	12 Month
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%
12 Month Teen Dreams Certificate	2.97%	3.00%	12 Month
Min Deposit $100 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%
36 Month IRA Certificate	2.97%	3.00%	36 Month
Min Deposit $1,000 Last Updated 10/09/2026 Rate History No change since Sep 26, 2026 · 3.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%
23 Month Bump Certificate	2.48%	2.50%	23 Month
Min Deposit $5,000 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%
6 Month Junior Investor Certificate	2.48%	2.50%	6 Month
Min Deposit $100 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%
6 Month Teen Dreams Certificate	2.48%	2.50%	6 Month
Min Deposit $100 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%
24 Month IRA Certificate	0.65%	0.65%	24 Month
Min Deposit $1,000 Last Updated 10/09/2026 Rate History No change since Sep 26, 2026 · 0.65% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%
12 Month IRA Certificate	0.50%	0.50%	12 Month
Min Deposit $1,000 Last Updated 10/09/2026 Rate History No change since Sep 26, 2026 · 0.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%
6 Month IRA Certificate	0.35%	0.35%	6 Month
Min Deposit $1,000 Last Updated 10/09/2026 Rate History No change since Sep 26, 2026 · 0.35% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%
24 Month Children's Certificate	0.25%	0.25%	24 Month
Min Deposit $100 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%

Park City Credit Union Savings Rates

Product	Rate	APY
Rewards Savings	3.93%	4.00%
Min Balance $0 Details Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: $0.00 - $100,000.00 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%
Youth Savings	1.98%	2.00%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%
Health Savings Account (HSA)	0.50%	0.50%
Min Balance $5,000 Details Balance: $5,000.00 & Above Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%
Health Savings Account (HSA)	0.25%	0.25%
Min Balance $500 Details Balance: $500.00 - $4,999.99 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%
Pinnacle Savings Account	0.25%	0.25%
Min Balance $75,000 Details Balance: $75,000.00 - $99,999.99 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 0.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%
Pinnacle Savings Account	0.25%	0.25%
Min Balance $100,000 Details Balance: $100,000.00 & Above Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 0.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%
Pinnacle Savings Account	0.25%	0.25%
Min Balance $25,000 Details Invest in Tiered Rates - With 2- and 3-tiered dividend structures, the more money you set aside the more dividends you earn with a Premier Savings Account and Pinnacle Savings Account. To avoid a monthly fee, you must maintain a daily account balance of at least $2,500.00 for the Premier and $25,000.00 for the Pinnacle. Balances $100,000.00 and above earn 0.25% APY. Balances between $25,000.00 and $99,999.99 earn 0.25% APY. Rate may change after the account is opened. Transaction limitations apply. Fees may reduce earnings on the account. Minimum balance required to earn 0.25% APY is $25,000.00 ($100.00 fee if min. balance requirement is not met). Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 0.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%
Premier Savings Account	0.25%	0.25%
Min Balance $75,000 Details Balance: $75,000.00 & Above Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%
Premier Savings Account	0.25%	0.25%
Min Balance $25,000 Details Invest in Tiered Rates - With 2- and 3-tiered dividend structures, the more money you set aside the more dividends you earn with a Premier Savings Account and Pinnacle Savings Account. To avoid a monthly fee, you must maintain a daily account balance of at least $2,500.00 for the Premier and $25,000.00 for the Pinnacle. Rate may change after the account is opened. Transaction limitations apply. Fees may reduce earnings on the account. ($100.00 fee if min. balance requirement is not met). Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 0.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%
Pinnacle Savings Account	0.20%	0.20%
Min Deposit $5 Min Balance $5 Details Balance: $5.00 - $74,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%
Health Savings Account (HSA)	0.15%	0.15%
Min Balance $0 Details Balance: $0.00 - $499.99 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%
Premier Savings Account	0.10%	0.10%
Min Balance $5 Details Balance: $5.00 - $74,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%
Christmas Club	0.05%	0.05%
Min Balance $5 Last Updated 10/09/2026 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: 2.71%
Savers Plus	0.05%	0.05%
Min Balance $5 Last Updated 10/09/2026 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: 2.71%
Regular Savings	0.01%	0.01%
Min Balance $5 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%

Park City Credit Union Money Market Rates

Product	Rate	APY
Gold Money Market	2.47%	2.50%
Min Balance $1,000,000 Details Balance: $1,000,000.00 & Above Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%
Gold Money Market	2.23%	2.25%
Min Balance $100,000 Details Balance: $100,000.00 to $249,999.99 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%
Gold Money Market	2.23%	2.25%
Min Balance $250,000 Details Balance: $250,000.00 to $999,999.99 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%
Gold Money Market	1.24%	1.25%
Min Balance $25,000 Details Balance: $25,000.00 to $99,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%
Platinum Money Market	0.25%	0.25%
Min Balance $25,000 Details Balance: $25,000.00 - $99,999.99 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%
Platinum Money Market	0.25%	0.25%
Min Balance $100,000 Details Balance: $100,000.00 & Above Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%

Park City Credit Union Checking Rates

Product	Rate	APY
PCCU Cash (Checking)	4.89%	5.00%
Min Balance $0 Details Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: $0.00 - $15,000.00 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%
Organizational Checking	1.98%	2.00%
Min Balance $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%
PCCU Cash (Checking)	-	0.68%
Min Deposit $5 Min Balance $15,000 Details Published APY range: 0.68% - 5.00%. Qualifications Required: 15 debit card purchases post and settle; enrolled in and agree to receive eStatements; 1 automatic payment (ACH) or direct deposit post and settle; Balances over $15,000.00 earn 0.05% dividend rate on the portion of the balance over $15,000.00, resulting in 0.68% - 5.00% APY depending on the balance. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.68% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%
PCCU Cash (Checking)	0.01%	0.01%
Details All balances if qualifications aren't met Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%

Park City Credit Union Business Checking Rates

Product	Rate	APY	View More
Business Checking	0.01%	0.01%
Min Balance $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%

Park City Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Mortgages	6.25%	-	6.52%	10 Year
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 1, 2026 · 6.52% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%
Mortgages	6.40%	-	6.59%	15 Year
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.44% → 6.59% ▲ 0.15 pts · high 6.59% / low 6.44% Oct 1, 20266.59%▲ from 6.44% Sep 14, 20266.44%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%
Mortgages	6.70%	-	6.85%	20 Year
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.65% → 6.85% ▲ 0.20 pts · high 6.85% / low 6.65% Oct 1, 20266.85%▲ from 6.65% Sep 14, 20266.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%
Mortgages	6.95%	-	7.07%	30 Year
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.87% → 7.07% ▲ 0.20 pts · high 7.07% / low 6.87% Oct 1, 20267.07%▲ from 6.87% Sep 14, 20266.87%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%

Park City Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan	-	-	4.99%
Details As low as Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%
Auto, Truck, Motorcycle, and Recreational Loans	-	-	4.99%	24 months or less
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 4.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%
Auto, Truck, Motorcycle, and Recreational Loans	-	-	4.99%	25 - 36 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 4.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%
Auto, Truck, Motorcycle, and Recreational Loans	-	-	4.99%	37 - 48 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 4.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%
Auto, Truck, Motorcycle, and Recreational Loans	-	-	5.25%	49 - 60 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 5.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%
Auto, Truck, Motorcycle, and Recreational Loans	-	-	5.25%	61 - 72 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 5.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%
Auto, Truck, Motorcycle, and Recreational Loans	-	-	6.25%	73 - 84 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%
Auto, Truck, Motorcycle, and Recreational Loans	-	-	6.49%	85 - 108 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%
Auto, Truck, Motorcycle, and Recreational Loans	-	-	6.75%	109 - 120 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%
Auto, Truck, Motorcycle, and Recreational Loans	-	-	8.25%	121 - 180 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%

Park City Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Recreational Loans	-	4.99%	36 months or less
Details Includes ATVs, UTVs, snowmobiles, dump trailers, livestock trailers, dirt bikes, jet ski's, tractors, skid steers, and other non-titled collateral. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 4.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%
Recreational Loans	-	4.99%	37 - 48 months
Details Includes ATVs, UTVs, snowmobiles, dump trailers, livestock trailers, dirt bikes, jet ski's, tractors, skid steers, and other non-titled collateral. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 4.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%
Recreational Loans	-	5.25%	49 - 60 months
Details Includes ATVs, UTVs, snowmobiles, dump trailers, livestock trailers, dirt bikes, jet ski's, tractors, skid steers, and other non-titled collateral. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 5.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%
Recreational Loans	-	5.25%	61 - 72 months
Details Includes ATVs, UTVs, snowmobiles, dump trailers, livestock trailers, dirt bikes, jet ski's, tractors, skid steers, and other non-titled collateral. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 5.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%

Park City Credit Union Credit Card Rates

Product	Rate	APR
Visa Classic	10.75%	10.75%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 10.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%
Visa Rewards	11.75%	11.75%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 11.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%

Park City Credit Union Personal Loan Rates

Product	APR	Term
Unsecured / Personal Loans	9.50%	36 months or less
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 9.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%
Unsecured / Personal Loans	10.75%	37 - 60 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 10.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%

Park City Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Homeowner's Advantage Loan	-	-	8.50%	60 months or less
Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%
Kwik Cash Line of Credit	18.00%	-	18.00%	Revolving
Details 3% of outstanding principal balance (min of $15) Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 18.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%
IRA Passbook	0.05%	-	0.05%
Min Balance $5 Last Updated 10/09/2026 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: 2.71%
Junior Spending	0.50%	-	0.50%
Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%

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

Park City Credit Union’s Texas Ratio fell from 3.32% in Q3 2023 to 2.71% in Q2 2026, so its financial health has stayed very strong 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
June 30, 2026	$397M	2.71%	5.0	A+
March 31, 2026	$390M	3.36%	5.0	A+
December 31, 2025	$381M	3.07%	5.0	A+
September 30, 2025	$377M	4.10%	5.0	A+
June 30, 2025	$372M	3.22%	5.0	A+
March 31, 2025	$369M	3.03%	5.0	A+
December 31, 2024	$358M	4.40%	5.0	A+
September 30, 2024	$357M	3.15%	5.0	A+
June 30, 2024	$352M	3.53%	5.0	A+
March 31, 2024	$351M	3.03%	5.0	A+
December 31, 2023	$348M	4.28%	5.0	A+
September 30, 2023	$351M	3.32%	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 Park City 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 Park City 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 Park City Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Park City Credit Union

Website https://www.parkcitycu.org

Address 501 S Pine Ridge Ave, Merrill, WI 54452

Phone 715-536-8351

Fax 715-536-9063

President James Richardson

CEO Volala Mindak

Full-Time Employees 96

Part-Time Employees 8

Branch Locations 6

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+ (99/100)

Texas Ratio

2.71%

Return on Assets (ROA)

0.4089%

Return on Equity (ROE)

4.1236%

Non-Performing Loans Ratio (NPL)

0.36%

Total Assets

397,407,132

Total Amount of Shares and Deposits

339,027,654

Total Shares and Deposits < 1 Year

333,171,511

Total Shares and Deposits 1 3 Years

4,912,565

Total Shares and Deposits > 3 Years

943,579

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

23,849,735

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

23,849,735

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

315,177,919

Total Interest Expense (Sum of items 6 8)

2,524,934

Share Certificates

1,388

Number of Accounts for Share Drafts

17,517

IRA KEOGH Accounts

946

Number of Accounts for Regular Shares

30,489

All other shares

1,330

Money Market Shares

308

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

1,624,847

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)

16,955,584

Total Liabilities

359,528,005

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

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Frequently Asked Questions About Park City Credit Union

How many branches does Park City Credit Union operate?

Park City 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 Park City Credit Union?

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

Does Park City Credit Union offer online and mobile banking?

Most modern institutions like Park City 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.parkcitycu.org.

Current Park City Credit Union Rates

12-Month CD0.50%
24-Month CD0.25%
60-Month CD3.50%
Savings4.00%
MMA2.50%

Retrieved from our database of financial products. Rates subject to change.

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Park City Credit Union Rates & Review October 2026

Brian McKay

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Financial Health History

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Park City Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Park City Credit Union

How many branches does Park City Credit Union operate?

Is a member application needed to join Park City Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Park City Credit Union offer online and mobile banking?

Current Park City Credit Union Rates

Compare to Other Credit Unions