What are the current interest rates at Platinum Federal Credit Union?

Current rates for Platinum Federal Credit Union include: 12-Month CD: 3.75%, 24-Month CD: 4.00%, 60-Month CD: 3.50%, Savings: 0.25%

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Platinum Federal Credit Union

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Platinum Federal Credit Union Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Platinum 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

Platinum Federal Credit Union's 12 Month Family Legacy CD Account rates are at 5.00%, 15 month (SPECIAL) Business CD/CD rates are at 4.10%, 15 month CD (SPECIAL) rates are at 4.10%, Business 15 month (SPECIAL) rates are at 4.10%, 24 month Business CD/CD rates are at 4.00%. Platinum Federal Credit Union's savings rates are at 0.25%. Platinum Federal Credit Union's Student Loan Rates are as low as 5.99%. Platinum Federal Credit Union's Credit Card Rates are at 9.90%. MonitorBankRates evaluates the financial stability of Platinum Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.90%. Rates last updated and verified on 09/21/2026.

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

Verified Healthy 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

1.90%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Platinum Federal Credit Union
Lilburn Branch

4794 Lawrenceville Hwy NW
Lilburn, GA 30047

https://www.platinumfcu.org

Platinum Federal Credit Union CD Rates

Product	Rate	APY	Term
12 Month Family Legacy Certificate Account	4.91%	5.00%	12-month fixed term
Details The Family Legacy Certificate Account must be opened within two years of the date of death. Eligibility is subject to verification. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
15 month (SPECIAL) Business Share Certificate/CD	4.04%	4.10%	15 Months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 - $9,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
15 month CD (SPECIAL)	4.04%	4.10%	15 Months
Min Deposit $1,000 Details Balance: $1,000 - $9,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
Business 15 month (SPECIAL)	4.04%	4.10%	15 months
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000 - $24,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
Business 15 month (SPECIAL)	4.04%	4.10%	15 months
Min Deposit $1,000 Min Balance $25,000 Details Balance: $25,000 - $99,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
Business 15 month (SPECIAL)	4.04%	4.10%	15 months
Min Deposit $1,000 Min Balance $100,000 Details Balance: Above $100,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
24 month Business Share Certificate/CD	3.94%	4.00%	24 Months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 - $9,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
24 month CD	3.94%	4.00%	24 Months
Min Deposit $1,000 Details Balance: $1,000 - $9,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
36 month Business Share Certificate/CD	3.94%	4.00%	36 Months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 - $9,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
36 month CD	3.94%	4.00%	36 Months
Min Deposit $1,000 Details Balance: $1,000 - $9,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
12 month Business Share Certificate/CD	3.70%	3.75%	12 Months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 - $9,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
12 month CD	3.70%	3.75%	12 Months
Min Deposit $1,000 Details Balance: $1,000 - $9,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
6 month Business Share Certificate/CD	3.60%	3.65%	6 Months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 - $9,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
6 month CD	3.60%	3.65%	6 Months
Min Deposit $1,000 Details Balance: $1,000 - $9,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
60 month Business Share Certificate/CD	3.46%	3.50%	60 Months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 - $9,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
60 month CD	3.46%	3.50%	60 Months
Min Deposit $1,000 Details Balance: $1,000 - $9,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%

Platinum Federal Credit Union Savings Rates

Product	Rate	APY
Business High-Yield Savings	3.93%	4.00%
Details Balance: $0 - $250,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
High-Yield Savings	3.93%	4.00%
Min Balance $0 Details Balance: $0 - $250,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
Youth Savings	3.94%	4.00%
Min Balance $0 Details Balance: Up to $2,500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
Business High-Yield Savings	3.44%	3.50%
Min Balance $250,000 Details Balance: $250,000.01 - $500,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
High-Yield Savings	3.44%	3.50%
Min Balance $250,000 Details Balance: $250,000.01 - $500,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
Business High-Yield Savings	3.20%	3.25%
Min Balance $500,000 Details Balance: $500,000.01 - $1,000,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
High-Yield Savings	3.20%	3.25%
Min Balance $500,000 Details Balance: $500,000.01 - $1,000,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
Business High-Yield Savings	2.96%	3.00%
Min Balance $1,000,000 Details Balance: Over $1,000,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
College Savings Plan	2.96%	3.00%
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
High-Yield Savings	2.96%	3.00%
Min Balance $1,000,000 Details Balance: over $1,000,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
Business Money Market Savings	1.00%	1.00%
Min Balance $100,000 Details Balance: $100,000 & above Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
Money Market Savings	1.00%	1.00%
Min Balance $100,000 Details Balance: $100,000 & above Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
Business Money Market Savings	0.50%	0.50%
Details Balance: $0 - $4,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
Business Money Market Savings	0.50%	0.50%
Min Balance $5,000 Details Balance: $5,000 - $9,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
Business Money Market Savings	0.50%	0.50%
Min Balance $10,000 Details Balance: $10,000 - $49,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
Business Money Market Savings	0.50%	0.50%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
Money Market Savings	0.50%	0.50%
Min Balance $0 Details Balance: $0 - $4,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
Money Market Savings	0.50%	0.50%
Min Balance $5,000 Details Balance: $5,000 - $9,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
Money Market Savings	0.50%	0.50%
Min Balance $10,000 Details Balance: $10,000 - $49,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
Money Market Savings	0.50%	0.50%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
Business Share Savings	0.25%	0.25%
Min Balance $100 Details Balance: $100 - $2,499.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
Business Share Savings	0.25%	0.25%
Min Balance $2,500 Details Balance: $2,500 - $9,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
Business Share Savings	0.25%	0.25%
Min Balance $10,000 Details Balance: $10,000 - $49,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
Business Share Savings	0.25%	0.25%
Min Balance $50,000 Details Balance: $50,000 & above Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
Share Savings	0.25%	0.25%
Min Balance $100 Details Balance: $100 - $2,499.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
Share Savings	0.25%	0.25%
Min Balance $2,500 Details Balance: $2,500 - $9,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
Share Savings	0.25%	0.25%
Min Balance $10,000 Details Balance: $10,000 - $49,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
Share Savings	0.25%	0.25%
Min Balance $50,000 Details Balance: $50,000 & above Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
Youth Savings	0.25%	0.25%
Min Balance $2,500 Details Balance: Above $2,500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%

Platinum Federal Credit Union Money Market Rates

Product	Rate	APY
Business Money Market Savings	1.00%	1.00%
Min Balance $100,000 Details Balance: $100,000 & above Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
Money Market Savings	1.00%	1.00%
Min Balance $100,000 Details Balance: $100,000 & above Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
Business Money Market Savings	0.50%	0.50%
Details Balance: $0 - $4,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
Business Money Market Savings	0.50%	0.50%
Min Balance $5,000 Details Balance: $5,000 - $9,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
Business Money Market Savings	0.50%	0.50%
Min Balance $10,000 Details Balance: $10,000 - $49,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
Business Money Market Savings	0.50%	0.50%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
Money Market Savings	0.50%	0.50%
Min Balance $0 Details Balance: $0 - $4,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
Money Market Savings	0.50%	0.50%
Min Balance $5,000 Details Balance: $5,000 - $9,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
Money Market Savings	0.50%	0.50%
Min Balance $10,000 Details Balance: $10,000 - $49,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
Money Market Savings	0.50%	0.50%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%

Platinum Federal Credit Union Checking Rates

Product	Rate	APY
Youth Checking	2.00%	2.00%
Min Balance $0 Details Balance: Up to $1,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
Platinum Rewards Checking	0.05%	0.05%
Min Balance $500 Details Balance: $500 - $999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
Platinum Rewards Checking	0.05%	0.05%
Min Balance $1,000 Details Balance: $1,000 - $4,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
Platinum Rewards Checking	0.05%	0.05%
Min Balance $5,000 Details Balance: $5,000 & above Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
Student Interest Checking	0.05%	0.05%
Min Balance $500 Details Balance: $500 - $999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
Student Interest Checking	0.05%	0.05%
Min Balance $1,000 Details Balance: $1,000 - $4,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
Student Interest Checking	0.05%	0.05%
Min Balance $5,000 Details Balance: $5,000 & above Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
Youth Checking	0.05%	0.05%
Min Balance $1,000 Details Balance: Above $1,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%

Platinum Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR
New Auto Loan	-	-	3.99%
Details As low as Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
Pre-Owned Auto Loan	-	-	3.99%
Details As low as Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%

Platinum Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR
New Motorcycle Loan	-	6.99%
Details As low as Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
Used Motorcycle Loan	-	6.99%
Details As low as Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
New RV Loan	-	7.99%
Details As low as Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
Used RV Loan	-	7.99%
Details As low as Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%

Platinum Federal Credit Union Student Loan Rates

Product	Rate	Points	APR	Term	View More
Student Loan	-	-	6.99%
Details As low as Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%

Platinum Federal Credit Union Credit Card Rates

Product	Rate	APR
VISA Credit Card	-	9.90%
Details As low as Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
Business VISA Credit Card	-	9.99%
Details As low as Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%

Platinum Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Student Consolidation Loan	5.99%
Details As low as Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
Personal Loan	7.25%
Details As low as Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
Signature Loan	7.25%
Details As low as Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%

Platinum Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
555 Loan	5.00%	-	5.00%	up to 5 years
Details Fixed Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
Business Line of Credit	-	-	7.99%
Details As low as Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
Business Loan	-	-	7.99%
Details As low as Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
Business Loan	-	-	7.25%
Details As low as Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
Emergency Loan	-	-	5.99%
Details As low as Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
Page Content - 555 Loan	-	-	5.00%	5 years
Details Fixed Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
Student Deferred Loan	-	-	5.99%
Details As low as Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
Vocational Income Program Loan	5.99%	-	5.99%	up to 5 years
Details Fixed Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
Business 15 months (SPECIAL)	4.04%	-	4.10%	15 months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 - $9,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
Family Legacy Certificate Account	4.91%	-	5.00%
Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
Money marktet	0.50%	-	0.50%
Min Balance $0 Details Balance: $0 - $4,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
Money marktet	1.00%	-	1.00%
Min Balance $100,000 Details Balance: $100,000 & above Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%

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

Platinum Federal Credit Union’s Texas Ratio rose from 0.15% in Q2 2023 to 1.90% in Q1 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
March 31, 2026	$390M	1.90%	5.0	A+
December 31, 2025	$347M	4.29%	5.0	A+
September 30, 2025	$350M	1.87%	5.0	A+
June 30, 2025	$346M	2.01%	5.0	A+
March 31, 2025	$332M	2.74%	5.0	A+
December 31, 2024	$320M	1.97%	5.0	A+
September 30, 2024	$320M	1.84%	5.0	A+
June 30, 2024	$293M	2.41%	5.0	A+
March 31, 2024	$283M	0.63%	5.0	A+
December 31, 2023	$281M	0.98%	5.0	A+
September 30, 2023	$278M	0.20%	5.0	A+
June 30, 2023	$267M	0.15%	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 Platinum 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 Platinum 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 Platinum Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Platinum Federal Credit Union

Website https://www.platinumfcu.org

Address 4794 Lawrenceville Hwy NW, Lilburn, GA 30047

Phone 404-297-9797

Fax

President Amin Tejani

CEO KABIR LAIWALLA

Full-Time Employees 75

Part-Time Employees 2

Branch Locations 5

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+ (99/100)

Texas Ratio

1.90%

Return on Assets (ROA)

0.3403%

Return on Equity (ROE)

3.5694%

Non-Performing Loans Ratio (NPL)

0.28%

Total Assets

389,926,204

Total Amount of Shares and Deposits

351,717,157

Total Shares and Deposits < 1 Year

345,560,788

Total Shares and Deposits 1 3 Years

3,384,736

Total Shares and Deposits > 3 Years

2,771,633

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

112,446,644

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

112,446,644

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

239,270,513

Total Interest Expense (Sum of items 6 8)

1,538,389

Share Certificates

1,219

Number of Accounts for Share Drafts

8,999

IRA KEOGH Accounts

117

Number of Accounts for Regular Shares

13,839

All other shares

508

Money Market Shares

660

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)

37,325,679

Total Liabilities

352,800,502

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Platinum Federal Credit Union earned the Verified Healthy badge

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       width="160" height="160">
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Learn more about the MBR Health & Safety Badge program on our methodology page.

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Platinum Federal Credit Union

How many branches does Platinum Federal Credit Union operate?

Platinum 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 Platinum Federal Credit Union?

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

Does Platinum Federal Credit Union offer online and mobile banking?

Most modern institutions like Platinum 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.platinumfcu.org.

Current Platinum Federal Credit Union Rates

12-Month CD3.75%
24-Month CD4.00%
60-Month CD3.50%
Savings0.25%

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

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Platinum Federal Credit Union Rates & Review September 2026

Brian McKay

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Frequently Asked Questions About Platinum Federal Credit Union

How many branches does Platinum Federal Credit Union operate?

Is a member application needed to join Platinum Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Platinum Federal Credit Union offer online and mobile banking?

Current Platinum Federal Credit Union Rates

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