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Peninsula Community Federal Credit Union

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Peninsula Community Federal Credit Union Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Peninsula Community 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 23, 2026

Peninsula Community Federal Credit Union's Personal Loan Rates are as low as 13.25%. Peninsula Community Federal Credit Union's Credit Card Rates are at 11.25%. MonitorBankRates evaluates the financial stability of Peninsula Community Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.03%. Rates last updated and verified on 09/23/2026.

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

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.03%

Excellent Lower than avg

Health Trend

Steady 12 quarters

Full history ›

Peninsula Community Federal Credit Union
Shelton Administrative Office and Branch Location

521 W Railroad Ave
Shelton, WA 98584-3520

https://www.pcfcu.org

Peninsula Community Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan	-	-	8.09%	Up to 84 months
Details Loan-to-Value: 85% Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.03%
Home Equity Loan	-	-	8.39%	Up to 120 months
Details Loan-to-Value: 85% Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.03%
Home Equity Loan	-	-	8.90%	Up to 240 months
Details Loan-to-Value: 100%; Manufactured homes not eligible Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.03%
Home Equity Loan	-	-	9.58%	Up to 360 months
Details Loan-to-Value: 100%; Manufactured homes not eligible Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.03%

Peninsula Community Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto & Truck	-	-	5.65%	60 months
Details Purchase/Refi*** Loan-to-Value: 125%; Max mileage 150k / 200k Diesel Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.03%
Auto & Truck	-	-	5.80%	72 months
Details Purchase/Refi*** Loan-to-Value: 125%; Max mileage 150k / 200k Diesel Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.03%
Auto & Truck	-	-	6.35%	84 months
Details Purchase/Refi*** Loan-to-Value: 125% Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.03%

Peninsula Community Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motorcycles Loan	-	5.65%	60 months
Details Purchase/Refi*** Loan-to-Value: 125% Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.03%
Motorcycles Loan	-	5.80%	72 months
Details Purchase/Refi*** Loan-to-Value: 125%; Max term 72 months for motorcycle financing Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.03%
RVs, Motor Homes, Boats Loan	-	8.09%	84 months
Details Purchase / Refi*** Loan-to-Value: 110%; Additional Terms: Limited to 15 years or newer & 150K miles or less. No minimum loan amount Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.03%
RVs, Motor Homes, Boats Loan	-	8.29%	120 months
Details Purchase / Refi*** Loan-to-Value: 110%; Additional Terms: Limited to 15 years or newer & 150K miles or less. Minimum loan amount $20,000 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.03%
RVs, Motor Homes, Boats Loan	-	8.39%	144 months
Details Purchase / Refi*** Loan-to-Value: 110%; Additional Terms: Limited to 15 years or newer & 150K miles or less. Minimum loan amount $25,000 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.03%
RVs, Motor Homes, Boats Loan	-	8.59%	180 months
Details Purchase / Refi*** Loan-to-Value: 110%; Additional Terms: Limited to 15 years or newer & 150K miles or less. Minimum loan amount $30,000 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.03%

Peninsula Community Federal Credit Union Credit Card Rates

Product	Rate	APR
Priority Platinum Visa	-	11.25%
Details Best for If you carry a balance on your card from time to time, this card offers a lower interest rate. Annual fee $0 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.03%
Signature Rewards Visa	-	13.25%
Details Best for Earning points for every dollar you spend. Redeem points for gift cards, travel, merchandise and more. Annual fee $0 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.03%

Peninsula Community Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Signature Rewards Visa	13.25%
Details Best for Earning points for every dollar you spend. Redeem points for gift cards, travel, merchandise and more. Annual fee $0 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.03%

Peninsula Community Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Lo-Cap Loan	5.90%	-	7.00%	15
Details Term: 15-year draw, 20-year repayment; Introductory APR period for Lo-Cap is 6 months. Maximum loan amount $300,000. Loan-to-Value: Up to 80%. APR is variable and will adjust according to Prime Rate, as published in the Wall Street Journal. Prime Rate, Loan to Value and credit score determine actual APR and may vary between 7.25% APR and 11.99% APR. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.03%
Lo-Cap Plus Loan	-	-	8.50%	15
Details Term: 15-year draw, 20-year repayment; No introductory rate period for Lo-Cap Plus. Maximum loan amount $250,000. Loan-to-Value: Up to 100%. APR is variable and will adjust according to Prime Rate, as published in the Wall Street Journal. Prime Rate, Loan to Value and credit score determine actual APR and may vary between 7.25% APR and 11.99% APR. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.03%

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

Peninsula Community Federal Credit Union’s Texas Ratio rose from 3.97% in Q2 2023 to 5.03% in Q1 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 — 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	$306M	5.03%	5.0	A+
December 31, 2025	$307M	5.42%	5.0	A+
September 30, 2025	$303M	4.36%	5.0	A+
June 30, 2025	$299M	5.01%	5.0	A+
March 31, 2025	$297M	4.49%	5.0	A+
December 31, 2024	$291M	5.90%	5.0	A+
September 30, 2024	$298M	4.58%	5.0	A+
June 30, 2024	$296M	5.05%	5.0	A+
March 31, 2024	$296M	5.42%	5.0	A+
December 31, 2023	$294M	4.53%	5.0	A+
September 30, 2023	$289M	3.91%	5.0	A+
June 30, 2023	$285M	3.97%	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 Peninsula Community 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 Peninsula Community 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 Peninsula Community Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Peninsula Community Federal Credit Union

Website https://www.pcfcu.org

Address 521 W Railroad Ave, Shelton, WA 98584-3520

Phone 360-426-1601

Fax 360-427-3169

President John Bolender

CEO James Morrell

Full-Time Employees 70

Part-Time Employees 5

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+ (97/100)

Texas Ratio

5.03%

Return on Assets (ROA)

0.2082%

Return on Equity (ROE)

1.8129%

Non-Performing Loans Ratio (NPL)

0.93%

Total Assets

306,394,667

Total Amount of Shares and Deposits

270,042,016

Total Shares and Deposits < 1 Year

267,074,703

Total Shares and Deposits 1 3 Years

2,539,120

Total Shares and Deposits > 3 Years

428,193

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

6,096,240

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

6,096,240

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

263,945,776

Total Interest Expense (Sum of items 6 8)

650,644

Share Certificates

2,036

Number of Accounts for Share Drafts

12,120

IRA KEOGH Accounts

343

Number of Accounts for Regular Shares

22,838

Money Market Shares

445

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

637,859

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)

27,857,737

Total Liabilities

277,160,650

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Peninsula Community 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.

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

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Frequently Asked Questions About Peninsula Community Federal Credit Union

How many branches does Peninsula Community Federal Credit Union operate?

Peninsula Community 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 Peninsula Community Federal Credit Union?

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

Does Peninsula Community Federal Credit Union offer online and mobile banking?

Most modern institutions like Peninsula Community 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.pcfcu.org.