What are the current interest rates at Public Safety Credit Union?

Current rates for Public Safety Credit Union include: 12-Month CD: 3.90%, 24-Month CD: 3.50%, 60-Month CD: 3.50%, MMA: 1.00%

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Public Safety Credit Union Rates & Review October 2026

Q: Is a member application needed to join Public Safety Credit Union?

Yes, to access services at Public Safety 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: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Public Safety 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

Public Safety Credit Union's top rates as of October 9, 2026 are 3.90% APY on its 1 Year CD, 1.00% APY on money market accounts, personal loans from 12.14% APR, and credit cards from 7.99% APR, according to rates verified by MonitorBankRates. Other Public Safety Credit Union CD rates include 1.5 Year CD at 3.60%, 2 Year CD at 3.50%, and 3 Year CD at 3.50%. MonitorBankRates evaluates the financial stability of Public Safety Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.02%. Rates last updated and verified on 10/09/2026.

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

2.02%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Public Safety Credit Union
Main Office

2800 E 14th St
Kansas City, MO 64127

https://www.publicsafetycu.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.

Public Safety Credit Union CD Rates

Product	Rate	APY	Term
1 Year Share Certificate	3.83%	3.90%	1 Year
Min Deposit $500 Details Rates vary based on member relationship with the Credit Union. Rates shown include all available bonuses. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.90% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%
1.5 Year Share Certificate	3.54%	3.60%	1.5 Year
Min Deposit $500 Details Rates vary based on member relationship with the Credit Union. Rates shown include all available bonuses. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.60% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%
2 Year Share Certificate	3.44%	3.50%	2 Year
Min Deposit $500 Details Rates vary based on member relationship with the Credit Union. Rates shown include all available bonuses. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%
3 Year Share Certificate	3.44%	3.50%	3 Year
Min Deposit $500 Details Rates vary based on member relationship with the Credit Union. Rates shown include all available bonuses. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%
4 Year Share Certificate	3.44%	3.50%	4 Year
Min Deposit $500 Details Rates vary based on member relationship with the Credit Union. Rates shown include all available bonuses. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%
5 Year Share Certificate	3.44%	3.50%	5 Year
Min Deposit $500 Details Rates vary based on member relationship with the Credit Union. Rates shown include all available bonuses. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%
6 Month Share Certificate	3.44%	3.50%	6 Month
Min Deposit $500 Details Rates vary based on member relationship with the Credit Union. Rates shown include all available bonuses. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%

Public Safety Credit Union Money Market Rates

Product	Rate	APY	View More
Money Market	-	1.00%
Details As High As Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%

Public Safety Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity Loan	-	-	5.49%
Details 81- 90% Loan to Value; Rates as low as Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 5.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%

Public Safety Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Car/Truck Loan	-	-	4.94%
Details Rates as low as Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.94% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%

Public Safety Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term	View More
Motorcycles/Boats/RV's Loan	-	6.69%
Details Rates as low as Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.69% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%

Public Safety Credit Union Credit Card Rates

Product	Rate	APR
Mastercard Secured	-	7.99%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%
Mastercard Low Rate	-	8.99%
Details Rates as low as Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%
Rewards Mastercard	-	8.99%
Details Published APR range: 8.99% to 21.00%. The APR will vary with the market. The APR is determined by adding your assigned margin to the Wall Street Journal Prime Rate. Reward points apply to Rewards Mastercard and on purchase transactions only. Some restrictions may apply. No annual fee or balance transfer fee. Cash advance fee is 2% (min $5) with maximum of $75. Minimum payment of $25. Interest begins to accrue at time of balance transfer or cash advance. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 8.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%
Standard Mastercard	-	8.99%
Details Published APR range: 8.99% to 21.00%. The APR will vary with the market. The APR is determined by adding your assigned margin to the Wall Street Journal Prime Rate. No annual fee or balance transfer fee. Cash advance fee is 2% (min $5) with maximum of $75. Minimum payment of $25. Interest begins to accrue at time of balance transfer or cash advance. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 8.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%
Mastercard Rewards	-	13.99%
Details Rates as low as Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 13.74% → 13.99% ▲ 0.25 pts · high 13.99% / low 13.74% Oct 9, 202613.99%▲ from 13.74% Sep 14, 202613.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%

Public Safety Credit Union Personal Loan Rates

Product	APR	Term	View More
Unsecured Loans	12.14%
Details Rates as low as Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 12.14% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%

Public Safety Credit Union Other Rates

Product	Rate	Points	APY/APR
Gun Loans	-	-	4.99%
Details Rates as low as Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%
Def Comp Accounts	0.20%	-	0.20%
Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%
General Shares	0.05%	-	0.05%
Min Balance $100 Details Balance: $100 to $9,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%
General Shares	0.10%	-	0.10%
Min Balance $10,000 Details Balance: $10,000 to $49,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%
General Shares	0.20%	-	0.20%
Min Balance $50,000 Details Balance: $50,000 + Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%
IRA Share Account	0.30%	-	0.30%
Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%
Smart Account	0.80%	-	0.80%
Min Balance $2,500 Details Balance $2,500 - $9,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.80% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%
Smart Account	0.85%	-	0.85%
Min Balance $10,000 Details Balance $10,000 - $24,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.85% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%
Smart Account	0.90%	-	0.90%
Min Balance $25,000 Details Balance $25,000 - $74,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.90% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%
Smart Account	1.00%	-	1.00%
Min Balance $75,000 Details Balance > $75,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%

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

Public Safety Credit Union’s Texas Ratio fell from 3.55% in Q3 2023 to 2.02% in Q2 2026, so its financial health has improved and is now 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	$191M	2.02%	5.0	A+
March 31, 2026	$191M	1.01%	5.0	A+
December 31, 2025	$185M	2.01%	5.0	A+
September 30, 2025	$186M	0.98%	5.0	A+
June 30, 2025	$185M	1.57%	5.0	A+
March 31, 2025	$184M	1.22%	5.0	A+
December 31, 2024	$178M	2.27%	5.0	A+
September 30, 2024	$176M	3.23%	5.0	A+
June 30, 2024	$179M	3.98%	5.0	A+
March 31, 2024	$180M	2.93%	5.0	A+
December 31, 2023	$178M	2.63%	5.0	A+
September 30, 2023	$177M	3.55%	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 Public Safety 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 Public Safety 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 Public Safety Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Public Safety Credit Union

Website https://www.publicsafetycu.org

Address 2800 E 14th St, Kansas City, MO 64127

Phone 816-504-2800

Fax 816-504-2888

President Kelly Eckert

CEO Mary Shea

Full-Time Employees 43

Part-Time Employees 6

Branch Locations 5

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+ (99/100)

Texas Ratio

2.02%

Return on Assets (ROA)

0.4654%

Return on Equity (ROE)

3.6591%

Non-Performing Loans Ratio (NPL)

0.39%

Total Assets

191,397,992

Total Amount of Shares and Deposits

167,053,877

Total Shares and Deposits < 1 Year

162,408,712

Total Shares and Deposits 1 3 Years

3,388,919

Total Shares and Deposits > 3 Years

1,256,245

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

5,292,059

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

5,292,059

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

161,761,818

Total Interest Expense (Sum of items 6 8)

559,352

Share Certificates

701

Number of Accounts for Share Drafts

10,472

IRA KEOGH Accounts

334

Number of Accounts for Regular Shares

16,963

All other shares

267

Money Market Shares

1,006

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)

23,077,897

Total Liabilities

167,684,952

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Public Safety 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.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

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

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Frequently Asked Questions About Public Safety Credit Union

How many branches does Public Safety Credit Union operate?

Public Safety 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 Public Safety Credit Union?

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

Does Public Safety Credit Union offer online and mobile banking?

Most modern institutions like Public Safety 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.publicsafetycu.org.