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Puget Sound Cooperative Credit Union Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: October 10, 2026
Puget Sound Cooperative Credit Union's top rates as of October 10, 2026 are 4.00% APY on its 12 Month IRA Wave Club CD, 0.50% APY on savings, 4.07% APY on checking, personal loans from 7.74% APR, and credit cards from 9.75% APR, according to rates verified by MonitorBankRates. Other Puget Sound Cooperative Credit Union CD rates include 12-month CD - Wave Club at 4.00%, 18-month CD Special at 4.00%, and 24 Month IRA Wave Club CD at 4.00%. MonitorBankRates evaluates the financial stability of Puget Sound Cooperative Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.74%. Rates last updated and verified on 10/10/2026.
Puget Sound Cooperative 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 Puget Sound Cooperative Credit Union? Share your experience about Puget Sound Cooperative Credit Union by leaving a review below, or read customer reviews before you decide to use Puget Sound Cooperative Credit Union.
Puget Sound Cooperative Credit Union has earned an overall safety grade of A+ (Exceptional, Score: 98/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Puget Sound Cooperative Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
3.74%
ExcellentLower than avg
Puget Sound Cooperative Credit Union Texas Ratio
Puget Sound Cooperative Credit Union's Texas Ratio is 3.74%, which is considered excellent and is lower than the national average of 6.13%.
Puget Sound Cooperative Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
2.16% to 3.74% over 12 quarters, very strongFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this credit union has stayed very strong since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
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.
Puget Sound Cooperative Credit Union CD Rates
Product
Rate
APY
Term
View More
12 Month IRA Wave Club Certificate
3.93%
4.00%
12-month
Min Deposit$500
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.74%
12-month Certificate - Wave Club
3.93%
4.00%
12-month
Min Deposit$500
DetailsWave Club
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.74%
18-month Certificate Special
3.93%
4.00%
18-month
Min Deposit$1,000
DetailsCertificate Special
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 4.00% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.74%
24 Month IRA Wave Club Certificate
3.93%
4.00%
24-month
Min Deposit$500
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.74%
24-month Certificate - Wave Club
3.93%
4.00%
24-month
Min Deposit$500
DetailsWave Club
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.74%
12 Month IRA Certificate
3.69%
3.75%
12-month
Min Deposit$500
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.74%
12-month Certificate
3.69%
3.75%
12-month
Min Deposit$500
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.74%
20-month Mount Rainier Certificate
3.69%
3.75%
20-month
Min Deposit$1,000
DetailsMount Rainier Certificate
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.74%
24 Month IRA Certificate
3.69%
3.75%
24-month
Min Deposit$500
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.74%
24-month Certificate
3.69%
3.75%
24-month
Min Deposit$500
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.74%
6-month Certificate - Wave Club
3.69%
3.75%
6-month
Min Deposit$500
DetailsWave Club
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.74%
10-month Mount Adams Certificate
3.45%
3.50%
10-month
Min Deposit$1,000
DetailsMount Adams Certificate
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.74%
36-month Pacific Northwest (PNW) Certificate
3.45%
3.50%
36-month
Min Deposit$1,000
DetailsPacific Northwest (PNW) Certificate
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.74%
5-month Bump-Up Certificate
3.45%
3.50%
5-month
Min Deposit$1,000
DetailsBump-Up Certificate
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.74%
6-month Certificate
3.45%
3.50%
6-month
Min Deposit$500
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.74%
7-month Certificate Special
3.45%
3.50%
7-month
Min Deposit$1,000
DetailsCertificate Special
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 3.50% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.74%
48 Month IRA Wave Club Certificate
3.20%
3.25%
48-month
Min Deposit$500
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.74%
48-month Certificate - Wave Club
3.20%
3.25%
48-month
Min Deposit$500
DetailsWave Club
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.74%
48 Month IRA Certificate
2.96%
3.00%
48-month
Min Deposit$500
Last Updated10/10/2026
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: 3.74%
48-month Certificate
2.96%
3.00%
48-month
Min Deposit$500
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.74%
60-month Certificate
2.75%
2.78%
60-month
Min Deposit$1,000
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 2.78% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.74%
Puget Sound Cooperative Credit Union Savings Rates
Product
Rate
APY
View More
Holiday & Club Savings Accounts
0.50%
0.50%
Min Balance$0
DetailsBalance: $0***
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 0.50% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.74%
Savings
0.50%
0.50%
Min Balance$100,000
DetailsBalance: $100,000.00+
Last Updated10/10/2026
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: 3.74%
Savings
0.40%
0.40%
Min Balance$25,000
DetailsBalance: $25,000.00-$99,999.99
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.40% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.74%
Savings
0.35%
0.35%
Min Balance$5
DetailsBalance: $5.00-$24,999.99
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.35% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.74%
Puget Sound Cooperative Credit Union Checking Rates
Product
Rate
APY
View More
GreenRewards Checking
4.00%
4.07%
Min Balance$0
DetailsBalance: $0 - $500**
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 4.07% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.74%
GreenRewards Checking
0.15%
0.15%
Min Balance$501
DetailsBalance: $501+ **
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 0.15% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.74%
Better-than-Basic Checking
0.10%
0.10%
Min Balance$0
DetailsBalance: $0
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 0.10% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.74%
Puget Sound Cooperative Credit Union Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
10-Year Home Equity Loan Special
-
-
5.50%
120 months
Detailsfixed rate, 80% LTV, $250,000 max
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 5.50% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.74%
Home Equity Line of Credit - HELOC
-
-
6.60%
180 months
Detailsvariable rate, 80% LTV
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 6.33% → 6.60% ▲ 0.27 pts · high 6.60% / low 6.33%
Oct 2, 20266.60%▲ from 6.33%
Sep 14, 20266.33%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.74%
Home Equity Loan
-
-
7.00%
120 months
Detailsfixed rate, 80% LTV
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 7.00% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.74%
Home Equity Loan
-
-
7.25%
180 months
Detailsfixed rate, 80% LTV
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 7.25% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.74%
Puget Sound Cooperative Credit Union Auto Loan Rates
Product
Rate
Points
APR
Term
View More
New Electric, Plug-in Hybrid, or Hybrid Vehicles: Model Year 2025 or newer Loan
-
-
4.74%
60 months
DetailsPublished APR range: 4.74 - 13.24%.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 4.74% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.74%
New Electric, Plug-in Hybrid, or Hybrid Vehicles: Model Year 2025 or newer Loan
-
-
4.99%
72 months
DetailsPublished APR range: 4.99 - 14.24%.
Last Updated10/10/2026
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: 3.74%
Used Electric, Plug-in Hybrid, or Hybrid Vehicles: Model Year 2024 or older Loan
-
-
4.99%
60 months
DetailsPublished APR range: 4.99 - 13.49%.
Last Updated10/10/2026
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: 3.74%
New Vehicles: Model Year 2025 or newer Loan
-
-
5.24%
60 months
DetailsPublished APR range: 5.24% - 13.74%.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 5.24% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.74%
Used Electric, Plug-in Hybrid, or Hybrid Vehicles: Model Year 2024 or older Loan
-
-
5.24%
72 months
DetailsPublished APR range: 5.24 - 14.49%.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 5.24% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.74%
New Vehicles: Model Year 2025 or newer Loan
-
-
5.49%
72 months
DetailsPublished APR range: 5.49% - 14.74%.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.74%
Used Vehicles: Model Year 2024 or older Loan
-
-
5.49%
60 months
DetailsPublished APR range: 5.49% - 13.99%.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.74%
Used Vehicles: Model Year 2024 or older Loan
-
-
5.74%
72 months
DetailsPublished APR range: 5.74% - 14.99%.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 5.74% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.74%
New Electric, Plug-in Hybrid, or Hybrid Vehicles: Model Year 2025 or newer Loan
-
-
5.99%
84 months
DetailsPublished APR range: 5.99 - 8.74%.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 5.99% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.74%
New Vehicles: Model Year 2025 or newer Loan
-
-
6.49%
84 months
DetailsPublished APR range: 6.49% - 9.24%.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 6.49% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.74%
Sport Vehicles: Off Road, ATV, etc. Loan
-
-
7.74%
60 months
DetailsPublished APR range: 7.74% - 15.99%.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 7.74% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.74%
Puget Sound Cooperative Credit Union RV, Boat and Powersport Loan Rates
Product
Rate
APR
Term
View More
New Boats, RVs and Motorcycles Loan
-
7.74%
up to 120 months
DetailsPublished APR range: 7.74% - 14.49%.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 7.74% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.74%
Used Boats, RVs and Motorcycles Loan
-
7.99%
up to 96 months
DetailsPublished APR range: 7.99% - 14.99%.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 7.99% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.74%
Puget Sound Cooperative Credit Union Credit Card Rates
Product
Rate
APR
View More
Visa Platinum & Platinum Rewards
-
9.75%
DetailsPublished APR range: 9.75% - 11.75%.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 9.75% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.74%
Visa Classic
-
14.75%
DetailsPublished APR range: 14.75% - 16.75%.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 14.75% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.74%
Visa Secured
-
14.75%
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 14.75% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.74%
Puget Sound Cooperative Credit Union Personal Loan Rates
Product
APR
Term
View More
Personal/Signature loans
7.74%
12 months
DetailsPublished APR range: 7.74% - 15.24%.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 7.74% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.74%
Personal/Signature loans
8.74%
24 months
DetailsPublished APR range: 8.74% - 16.24%.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 8.74% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.74%
Personal/Signature loans
9.74%
36 months
DetailsPublished APR range: 9.74% - 17.24%.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 9.74% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.74%
Personal/Signature loans
10.74%
48 months
DetailsPublished APR range: 10.74% - 18.74%.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 10.74% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.74%
Personal/Signature loans
11.74%
60 months
DetailsPublished APR range: 11.74% - 16.74%.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 11.74% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.74%
Personal/Signature loans
12.74%
72 months
DetailsPublished APR range: 12.74% - 18.74%.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 12.74% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.74%
Puget Sound Cooperative Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
Avista On-Bill Repayment Loan
-
-
6.25%
up to 180 months
DetailsPublished APR range: 6.25% - 7.50%. Available Only in Avista's Washington Service Territory; Maximum loan amount: up to $30,000 (residential) | $75,000 (small business)
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 6.25% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.74%
Battery Storage Loan
-
-
8.50%
up to 120 months
DetailsPublished APR range: 8.50% - 12.50%. Maximum loan amount: up to $50,000.00*
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 8.50% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.74%
Clean Energy Fund Loan
-
-
6.25%
up to 240 months
DetailsPublished APR range: 6.25% - 12.00%. Available Statewide; Maximum loan amount up to $85,000.00*
Last Updated10/10/2026
Rate History
No change since Sep 27, 2026 · 6.25% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.74%
Community Energy Challenge Loan
-
-
6.00%
up to 240 months
DetailsPublished APR range: 6.00% - 11.75%. Available in Whatcom, Skagit, San Juan & Island Counties; Maximum loan amount: up to $85,000.00*
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 6.00% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.74%
Energy-Smart Loans
-
-
8.50%
up to 120 months
DetailsPublished APR range: 8.50% - 12.50%. Maximum loan amount: up to $35,000.00*
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 8.50% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.74%
Energy-Smart Loans
-
-
8.50%
up to 180 months
DetailsPublished APR range: 8.50% - 12.50%. Maximum loan amount: up to $35,000.00*
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 6.25% → 8.50% ▲ 2.25 pts · high 8.50% / low 6.25%
Sep 18, 20268.50%▲ from 6.25%
Sep 14, 20266.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.74%
Online Banking Loan
-
-
5.50%
DetailsAdditional APR listed for this product: 9.75%.
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 5.50% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.74%
Repower Loan
-
-
6.25%
up to 180 months
DetailsPublished APR range: 6.25% -12.00%. Available in Kitsap County; Maximum loan amount up to $50,000.00*
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 6.25% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.74%
Snohomish County Loan
-
-
6.25%
up to 180 months
DetailsPublished APR range: 6.25% - 12.00%. Maximum loan amount: up to $50,000.00*
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 6.25% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.74%
Solar Loan
-
-
6.25%
up to 240 months
DetailsPublished APR range: 6.25% - 12.00%. Available Statewide; Maximum loan amount: up to $85,000.00*
Last Updated10/10/2026
Rate History
No change since Sep 27, 2026 · 6.25% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.74%
Solar Loan
-
-
6.50%
up to 180 months
DetailsPublished APR range: 6.50% - 12.00%. Available Statewide; Maximum loan amount up to $80,000.00*
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 6.50% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.74%
IRA
0.50%
-
0.50%
Min Balance$50
DetailsBalance: $50.00-$24,999.99
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 0.50% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.74%
IRA
0.60%
-
0.60%
Min Balance$25,000
DetailsBalance: $25,000.00-$99,999.99
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 0.60% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.74%
IRA
0.70%
-
0.70%
Min Balance$100,000
DetailsBalance: $100,000.00+
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 0.70% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.74%
Financial Health History
Puget Sound Cooperative Credit Union’s Texas Ratio rose from 2.16% in Q3 2023 to 3.74% 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
$274M
3.74%
5.0
A+
March 31, 2026
$280M
4.17%
5.0
A+
December 31, 2025
$270M
3.25%
5.0
A+
September 30, 2025
$257M
3.94%
5.0
A+
June 30, 2025
$259M
2.77%
5.0
A+
March 31, 2025
$266M
2.88%
5.0
A+
December 31, 2024
$264M
2.81%
5.0
A+
September 30, 2024
$256M
2.90%
5.0
A+
June 30, 2024
$257M
2.67%
5.0
A+
March 31, 2024
$260M
2.39%
5.0
A+
December 31, 2023
$256M
2.97%
5.0
A+
September 30, 2023
$245M
2.16%
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 Puget Sound Cooperative 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 Puget Sound Cooperative 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 Puget Sound Cooperative Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union NamePuget Sound Cooperative Credit Union
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
32,822,772
Total Uninsured Shares and Deposits > $250K (F+J)
32,822,772
Total Insured Shares and Deposits > $250K (item 17 less item K)
208,079,315
Total Interest Expense (Sum of items 6 8)
3,134,220
Share Certificates
1,998
Number of Accounts for Share Drafts
4,024
IRA KEOGH Accounts
263
Number of Accounts for Regular Shares
17,561
Non Member Deposits
89
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)
63,598,285
Total Liabilities
243,334,685
Source: NCUA — Last Updated 06/30/2026
Q2 2026 MBR Health & Safety Badge
Puget Sound Cooperative 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.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
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Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About Puget Sound Cooperative Credit Union
How many branches does Puget Sound Cooperative Credit Union operate?
Puget Sound Cooperative 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 Puget Sound Cooperative Credit Union?
Yes, to access services at Puget Sound Cooperative 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, Puget Sound Cooperative 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, Puget Sound Cooperative Credit Union provides members with tools to manage their accounts and build a solid financial history.
Does Puget Sound Cooperative Credit Union offer online and mobile banking?
Most modern institutions like Puget Sound Cooperative 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.psccu.org.
Current Puget Sound Cooperative Credit Union Rates
12-Month CD3.75%
18-Month CD4.00%
24-Month CD3.75%
60-Month CD2.78%
Savings0.50%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
