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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
PORT CITY Rates & Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
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.
Read Full Bio →
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: March 24, 2026
PORT CITY's savings rates are at 1.61%. PORT CITY's Personal Loan Rates are at 2.99%. MonitorBankRates evaluates the financial stability of PORT CITY with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.21%. Rates were last updated on 03/24/2026. PORT CITY 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 PORT CITY? Share your experience about PORT CITY by leaving a review below, or read customer reviews before you decide to use PORT CITY. Granite Bank
Port City Federal Credit Union 460 W Laketon Ave
http://www.portcityfcu.com Muskegon, MI 49441 2632 
PORT CITY Savings Rates
PORT CITY Auto Loan Rates
PORT CITY Credit Card Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for PORT CITY 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 PORT CITY 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 PORT CITY's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
PORT CITY
Website
http://www.portcityfcu.com
Address
460 W Laketon Ave,
Muskegon, MI 49441 2632
Phone
231-725-3312
Fax
231-725-4694
President
Kathleen Wilkerson
CEO
Ashton Person
Full-Time Employees
6
Part-Time Employees
1
Branch Locations
1
ATM Locations
1
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.21%
Return on Assets (ROA)
0.3850%
Return on Equity (ROE)
3.1427%
Non-Performing Loans Ratio (NPL)
0.07%
Total Assets
39,647,716
Total Amount of Shares and Deposits
34,588,250
Total Shares and Deposits < 1 Year
31,294,521
Total Shares and Deposits 1 3 Years
2,065,720
Total Shares and Deposits > 3 Years
1,228,009
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
1,444,630
Total Uninsured Shares and Deposits > $250K (F+J)
1,444,630
Total Insured Shares and Deposits > $250K (item 17 less item K)
33,143,620
Total Interest Expense (Sum of items 6 8)
417,691
Share Certificates
517
Number of Accounts for Share Drafts
1,578
IRA KEOGH Accounts
141
Number of Accounts for Regular Shares
3,118
All other shares
10
Money Market Shares
275
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
230,126
Total Liabilities
34,790,751
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About PORT CITYIs PORT CITY a safe place to deposit money?Yes, PORT CITY is considered a safe financial institution. With a Texas Ratio of 0.2114695082217%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does PORT CITY operate?PORT CITY 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 PORT CITY?Yes, to access services at PORT CITY, 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, PORT CITY 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, PORT CITY provides members with tools to manage their accounts and build a solid financial history. Does PORT CITY offer online and mobile banking?Most modern institutions like PORT CITY 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: http://www.portcityfcu.com. Current PORT CITY Rates
Retrieved from our database of financial products. Rates subject to change.
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