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Pyramid Federal Credit Union Rates & Review September 2026

Pyramid Federal Credit Union's 1 Year GOAL CD rates are at 4.07%, 3 Year CD rates are at 3.25%, 4 Year CD rates are at 3.25%, 5 Year CD rates are at 3.25%, 1 Year CD rates are at 3.05%. Pyramid Federal Credit Union's savings rates are at 0.05%. Pyramid Federal Credit Union's money market rates are at 0.25%. Pyramid Federal Credit Union's Personal Loan Rates are at 9.50%. MonitorBankRates evaluates the financial stability of Pyramid Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.88%. Rates last updated and verified on 08/31/2026.

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

MonitorBankRates Verified Healthy Badge 2026 Verified Healthy 2026 Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A
Excellent Health Score: 97/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
6.88%
Excellent Higher than avg
Health Trend ?
Steady 12 quarters
Full history ›
Pyramid Federal Credit Union
Headquarters
4911 E Broadway Blvd
Tucson, AZ 85711-3611
https://www.pyramidfcu.com
Member NCUA

Pyramid Federal Credit Union CD Rates

Product Rate APY Term View More
1 Year GOAL SHARE CERTIFICATE 4.00% 4.07% 1 Year
Min Balance $25
Last Updated 08/31/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.88%
3 Year Share Certificate 3.22% 3.25% 3 Year
No additional details.
Last Updated 08/31/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.88%
4 Year Share Certificate 3.22% 3.25% 4 Year
No additional details.
Last Updated 08/31/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.88%
5 Year Share Certificate 3.22% 3.25% 5 Year
No additional details.
Last Updated 08/31/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.88%
1 Year Share Certificate 3.02% 3.05% 1 Year
No additional details.
Last Updated 08/31/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.88%
2 Year Share Certificate 3.02% 3.05% 2 Year
No additional details.
Last Updated 08/31/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.88%
6-Month Share Certificate 3.02% 3.05% 6-Month
No additional details.
Last Updated 08/31/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.88%

Pyramid Federal Credit Union Savings Rates

Product Rate APY View More
ROUND UP HIGH-YIELD SAVINGS ACCOUNT 3.00% 3.04%
Min Balance $0
Last Updated 08/31/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.88%
MEMBER SHARE, SMART MONEY & MEMBER DEFINED SAVINGS ACCOUNTS 0.05% 0.05%
No additional details.
Last Updated 08/31/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.88%
ROUND UP HIGH-YIELD SAVINGS ACCOUNT 0.05% 0.05%
Min Balance $0
Last Updated 08/31/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.88%

Pyramid Federal Credit Union Money Market Rates

Product Rate APY View More
MONEY MARKET ACCOUNT 1.59% 1.60%
Min Balance $250,000
Last Updated 08/31/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.88%
MONEY MARKET ACCOUNT 1.25% 1.25%
Min Balance $90,000
Last Updated 08/31/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.88%
MONEY MARKET ACCOUNT 0.45% 0.45%
Min Balance $25,000
Last Updated 08/31/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.88%
MONEY MARKET ACCOUNT 0.25% 0.25%
Min Balance $1,000
Last Updated 08/31/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.88%

Pyramid Federal Credit Union Mortgage Rates

Product Rate Points APR Term View More
FASTRACK MORTGAGE REFINANCE - - 5.50% 10 Year Fixed
Details Up to 15 years; Loan to Value Up to 75% - Restrictions Apply
Last Updated 08/31/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.88%

Pyramid Federal Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
HOME EQUITY LINE OF CREDIT(HELOC) - - 7.50% 5 year draw period followed by a 15 year payback period
Details Rate: WSJ Prime Rate; Current Base Rate (as of 8/1/2026): 6.75%; Payment: Interest only during draw period, Principal & Interest during payback period; Loan to Value: Up to 85% - Restrictions Apply
Last Updated 08/31/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.88%

Pyramid Federal Credit Union Auto Loan Rates

Product Rate Points APR Term View More
New & Used Vehicle Loan - - 5.99% up to 36 Months
Details Rates quoted are best possible rate. Your rate may be higher depending on your credit history and the age of your vehicle. Not eligible for additional discounts.
Last Updated 08/31/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.88%
COMMERCIAL VEHICLE LOAN - - 11.50% up to 96 Months
Details As Low As: **
Last Updated 08/31/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.88%

Pyramid Federal Credit Union Credit Card Rates

Product Rate APR View More
Pyramid Platinum Visa Card - 13.99%
Details As Low As
Last Updated 08/31/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.88%
Pyramid Cash Back Visa Card - 15.49%
Details As Low As
Last Updated 08/31/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.88%

Pyramid Federal Credit Union Personal Loan Rates

Product APR Term View More
PERSONAL & PROMOTIONAL LOAN 9.50% up to 12 Months
Details As Low As: **
Last Updated 08/31/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.88%
PERSONAL & PROMOTIONAL LOAN 9.75% up to 24 Months
No additional details.
Last Updated 08/31/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.88%
PERSONAL & PROMOTIONAL LOAN 10.25% up to 36 Months
No additional details.
Last Updated 08/31/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.88%
PERSONAL & PROMOTIONAL LOAN 10.75% up to 48 Months
No additional details.
Last Updated 08/31/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.88%
PERSONAL & PROMOTIONAL LOAN 11.50% up to 60 Months
No additional details.
Last Updated 08/31/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.88%
Personal Line of Credit 11.50%
Details As Low As
Last Updated 08/31/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.88%

Financial Health History

Pyramid Federal Credit Union’s Texas Ratio rose from 5.07% in Q2 2023 to 6.88% in Q1 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 amber line marks the 15% level a credit union must stay under to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

0% 1.0★ 3.8% 2.0★ 7.5% 3.0★ 11.3% 4.0★ 15% 5.0★ 15% Verified Healthy line 5.07% A+ Q2 2023 A+ Q3 2023 A Q4 2023 A Q1 2024 A+ Q2 2024 A Q3 2024 A Q4 2024 A+ Q1 2025 A+ Q2 2025 A Q3 2025 A Q4 2025 6.88% A Q1 2026
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 threshold
Powered by MonitorBankRates

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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
March 31, 2026$252M6.88%5.0A
December 31, 2025$247M9.17%5.0A
September 30, 2025$248M7.56%5.0A
June 30, 2025$250M5.96%5.0A+
March 31, 2025$248M5.80%5.0A+
December 31, 2024$238M9.62%5.0A
September 30, 2024$236M8.02%5.0A
June 30, 2024$238M5.95%5.0A+
March 31, 2024$238M6.14%5.0A
December 31, 2023$238M7.31%5.0A
September 30, 2023$233M4.77%5.0A+
June 30, 2023$235M5.07%5.0A+
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 Pyramid 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 Pyramid 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 Pyramid Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Pyramid Federal Credit Union
Address 4911 E Broadway Blvd, Tucson, AZ 85711-3611
Phone 520-795-7950
Fax 520-795-0494
President Matthew Kopec
CEO Dustin Powell
Full-Time Employees 58
Part-Time Employees 0
Branch Locations 5
ATM Locations 6
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
6.88%
Return on Assets (ROA)
0.2504%
Return on Equity (ROE)
2.4022%
Non-Performing Loans Ratio (NPL)
1.35%
Total Assets
252,208,469
Total Amount of Shares and Deposits
229,511,329
Total Shares and Deposits < 1 Year
215,642,963
Total Shares and Deposits 1 3 Years
13,325,678
Total Shares and Deposits > 3 Years
542,689
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
8,865,660
Total Uninsured Shares and Deposits > $250K (F+J)
8,865,660
Total Insured Shares and Deposits > $250K (item 17 less item K)
220,645,669
Total Interest Expense (Sum of items 6 8)
618,343
Share Certificates
1,916
Number of Accounts for Share Drafts
12,799
IRA KEOGH Accounts
496
Number of Accounts for Regular Shares
23,651
Non Member Deposits
62
Money Market Shares
1,886
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)
20,654,803
Total Liabilities
234,696,133
Source: NCUA — Last Updated 03/31/2026
MonitorBankRates Verified Healthy Badge 2026
2026 MBR Health & Safety Badge

Pyramid Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 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 — no need to download or upload anything.

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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 Pyramid Federal Credit Union

How many branches does Pyramid Federal Credit Union operate?

Pyramid 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 Pyramid Federal Credit Union?

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

Does Pyramid Federal Credit Union offer online and mobile banking?

Most modern institutions like Pyramid 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.pyramidfcu.com.

Current Pyramid Federal Credit Union Rates

  • 12-Month CD3.05%
  • 24-Month CD3.05%
  • 60-Month CD3.25%
  • Savings0.05%
  • MMA0.25%
Retrieved from our database of financial products. Rates subject to change.