What are the current interest rates at Polish American Federal Credit Union?

Current rates for Polish American Federal Credit Union include: 12-Month CD: 3.50%, 24-Month CD: 3.75%, 60-Month CD: 3.25%, Savings: 0.10%, MMA: 3.04%

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Polish American Federal Credit Union

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Polish American Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Polish American 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: October 9, 2026

Polish American Federal Credit Union's top rates as of October 9, 2026 are 3.80% APY on its 1 Year CD, 0.10% APY on savings, 3.04% APY on money market accounts, 3.03% APY on checking, 5.00% on its 3 Year Adjustable - 15, 20 & 30 years Mortgage, and auto loans from 3.99% APR, according to rates verified by MonitorBankRates. Other Polish American Federal Credit Union CD rates include 6 month CD at 3.79%, 2 Year CD at 3.75%, and 1 Year Term Adjusted Quarterly IRA at 3.50%. Other Polish American Federal Credit Union mortgage rates include 5 Year Adjustable - 15, 20 & 30 years Mortgage at 5.25%, 10 Year Balloon - 15 or 20 Year Amortization Mortgage at 5.75%, and 10 Year Balloon - 30 Year Amortization Mortgage at 6.00%. MonitorBankRates evaluates the financial stability of Polish American Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.84%. Rates last updated and verified on 10/09/2026.

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

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

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.84%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Polish American Federal Credit Union
Troy

2889 E Maple Rd
Troy, MI 48083

https://www.mypafcu.com

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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.

Polish American Federal Credit Union CD Rates

Product	Rate	APY	Term
1 Year Certificate	-	3.80%	1 Year
Min Deposit $500 Details APY as high as 4.00%; Rates may increase .2% when a member qualifies for our loyalty benefits. Ask us for more details. Last Updated 10/09/2026 Rate History 1 change since Sep 21, 2026 · 3.75% → 3.80% ▲ 0.05 pts · high 3.80% / low 3.75% Oct 5, 20263.80%▲ from 3.75% Sep 21, 20263.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
6 month Certificate	-	3.79%	6 months
Min Deposit $500 Details APY as high as 3.99%; Rates may increase .2% when a member qualifies for our loyalty benefits. Ask us for more details. Last Updated 10/09/2026 Rate History 1 change since Sep 21, 2026 · 3.50% → 3.79% ▲ 0.29 pts · high 3.79% / low 3.50% Oct 5, 20263.79%▲ from 3.50% Sep 21, 20263.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
2 Year Certificate	-	3.75%	2 Year
Min Deposit $500 Details APY as high as 3.95%; Rates may increase .2% when a member qualifies for our loyalty benefits. Ask us for more details. Last Updated 10/09/2026 Rate History 1 change since Sep 21, 2026 · 3.40% → 3.75% ▲ 0.35 pts · high 3.75% / low 3.40% Oct 5, 20263.75%▲ from 3.40% Sep 21, 20263.40%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
1 Year Term Adjusted Quarterly IRA	-	3.50%	1 Year
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 3.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
3 Year Certificate	-	3.40%	3 Year
Min Deposit $500 Details APY as high as 3.60%; Rates may increase .2% when a member qualifies for our loyalty benefits. Ask us for more details. Last Updated 10/09/2026 Rate History 1 change since Sep 21, 2026 · 3.30% → 3.40% ▲ 0.10 pts · high 3.40% / low 3.30% Oct 5, 20263.40%▲ from 3.30% Sep 21, 20263.30%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
4 Year Certificate	-	3.30%	4 Year
Min Deposit $500 Details APY as high as 3.50%; Rates may increase .2% when a member qualifies for our loyalty benefits. Ask us for more details. Last Updated 10/09/2026 Rate History 1 change since Sep 21, 2026 · 3.25% → 3.30% ▲ 0.05 pts · high 3.30% / low 3.25% Oct 5, 20263.30%▲ from 3.25% Sep 21, 20263.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
5 Year Certificate	-	3.25%	5 Year
Min Deposit $500 Details APY as high as 3.45%; Rates may increase .2% when a member qualifies for our loyalty benefits. Ask us for more details. Last Updated 10/09/2026 Rate History 1 change since Sep 21, 2026 · 3.00% → 3.25% ▲ 0.25 pts · high 3.25% / low 3.00% Oct 5, 20263.25%▲ from 3.00% Sep 21, 20263.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%

Polish American Federal Credit Union Savings Rates

Product	Rate	APY	View More
Savings	-	0.10%
Min Balance $25 Details Balance: > $25.00 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%

Polish American Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market Account	-	3.04%
Min Balance $100,000 Details Balance: $100,000 + Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.04% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Money Market Account	-	2.02%
Min Balance $50,000 Details Balance: $50,000 - $99,999+ Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.02% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Money Market Account	-	1.76%
Min Balance $20,000 Details Balance: $20,000 - $49,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.76% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Money Market Account	-	1.00%
Min Balance $10,000 Details Balance: $10,000 - $19,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Money Market Account	-	0.50%
Min Balance $2,500 Details Balance: $2,500 - $9,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Money Market Account	-	0.10%
Min Balance $1 Details Balance: $1 - $2,499 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%

Polish American Federal Credit Union Checking Rates

Product	Rate	APY
Preferred Checking	-	3.03%
Min Balance $7,500 Details APY applies to the first $7,500. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 3.03% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Regular Checking	-	0.03%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.03% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%

Polish American Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
3 Year Adjustable - 15, 20 & 30 years Mortgage	-	-	5.00%	3 Year
Details As Low As; Mortgage Loan Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 5.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
5 Year Adjustable - 15, 20 & 30 years Mortgage	-	-	5.25%	5 Year
Details As Low As; Mortgage Loan Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 5.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
10 Year Balloon - 15 or 20 Year Amortization Mortgage	-	-	5.75%	10 Year
Details As Low As; Mortgage Loan Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 5.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
10 Year Balloon - 30 Year Amortization Mortgage	-	-	6.00%	10 Year
Details As Low As; Mortgage Loan Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 6.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%

Polish American Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Term Loan	-	-	6.00%	1 Year
Details Term: 1 Year Adjustable indexed to the Prime Rate; Rates reflect .25% loyalty discount. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 5.75% → 6.00% ▲ 0.25 pts · high 6.00% / low 5.75% Oct 2, 20266.00%▲ from 5.75% Sep 14, 20265.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Home Equity Term Loan	-	-	6.50%	3 Year
Details Term: 3 Year Adjustable indexed to the Prime Rate; Rates reflect .25% loyalty discount. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.25% → 6.50% ▲ 0.25 pts · high 6.50% / low 6.25% Oct 2, 20266.50%▲ from 6.25% Sep 14, 20266.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Home Equity Term Loan	-	-	6.75%	5 Year
Details Term: 5 Year Adjustable indexed to the Prime Rate; Rates reflect .25% loyalty discount. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.50% → 6.75% ▲ 0.25 pts · high 6.75% / low 6.50% Oct 2, 20266.75%▲ from 6.50% Sep 14, 20266.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%

Polish American Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Vehicle Loan	-	-	3.99%	36 Months
Details As Low As; For salvage/rebuilt title, call (248) 619-0440 for a rate quote. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
New Vehicle Loan	-	-	4.30%	48 Months
Details As Low As; For salvage/rebuilt title, call (248) 619-0440 for a rate quote. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.29% → 4.30% ▲ 0.01 pts · high 4.30% / low 4.29% Oct 5, 20264.30%▲ from 4.29% Sep 14, 20264.29%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
New Vehicle Loan	-	-	4.50%	60 Months
Details As Low As; For salvage/rebuilt title, call (248) 619-0440 for a rate quote. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.49% → 4.50% ▲ 0.01 pts · high 4.50% / low 4.49% Oct 5, 20264.50%▲ from 4.49% Sep 14, 20264.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
New Vehicle Loan	-	-	4.80%	72 Months
Details As Low As; For salvage/rebuilt title, call (248) 619-0440 for a rate quote. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.79% → 4.80% ▲ 0.01 pts · high 4.80% / low 4.79% Oct 5, 20264.80%▲ from 4.79% Sep 14, 20264.79%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%

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

Polish American Federal Credit Union’s Texas Ratio rose from 3.73% in Q3 2023 to 6.84% in Q2 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 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)

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	$195M	6.84%	5.0	A
March 31, 2026	$188M	9.40%	5.0	A
December 31, 2025	$183M	11.15%	5.0	A
September 30, 2025	$176M	10.08%	5.0	A
June 30, 2025	$176M	8.30%	5.0	A
March 31, 2025	$174M	4.07%	5.0	A+
December 31, 2024	$172M	5.09%	5.0	A+
September 30, 2024	$166M	5.39%	5.0	A+
June 30, 2024	$166M	2.80%	5.0	A+
March 31, 2024	$168M	0.97%	5.0	A+
December 31, 2023	$168M	1.80%	5.0	A+
September 30, 2023	$165M	3.73%	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 Polish American 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 Polish American 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 Polish American Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Polish American Federal Credit Union

Website https://www.mypafcu.com

Address 2889 E Maple Rd, Troy, MI 48083

Phone 248-619-0440

Fax 248-619-3230

President Mark Reaume

CEO John Swidwinski

Full-Time Employees 24

Part-Time Employees 1

Branch Locations 2

ATM Locations 2

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

6.84%

Return on Assets (ROA)

0.6160%

Return on Equity (ROE)

4.8179%

Non-Performing Loans Ratio (NPL)

1.37%

Total Assets

195,091,834

Total Amount of Shares and Deposits

169,033,599

Total Shares and Deposits < 1 Year

163,508,911

Total Shares and Deposits 1 3 Years

4,741,701

Total Shares and Deposits > 3 Years

782,987

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

9,747,868

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

9,747,868

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

159,285,731

Total Interest Expense (Sum of items 6 8)

1,558,569

Share Certificates

842

Number of Accounts for Share Drafts

4,721

IRA KEOGH Accounts

885

Number of Accounts for Regular Shares

7,838

Money Market Shares

692

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

1,201,784

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)

8,780,204

Total Liabilities

170,147,701

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Polish American Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 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 Polish American Federal Credit Union

How many branches does Polish American Federal Credit Union operate?

Polish American 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 Polish American Federal Credit Union?

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

Does Polish American Federal Credit Union offer online and mobile banking?

Most modern institutions like Polish American 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.mypafcu.com.