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Painesville Credit Union

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Painesville Credit Union Rates & Review September 2026

Q: How many branches does Painesville Credit Union operate?

Painesville 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.

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

Yes, to access services at Painesville 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, Painesville 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: September 10, 2026

Painesville Credit Union's Personal Loan Rates are at 4.74%. MonitorBankRates evaluates the financial stability of Painesville Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.09%. Rates last updated and verified on 09/10/2026.

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

Verified Healthy 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

1.09%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Painesville Credit Union
Painesville Credit Union

280 N Saint Clair St
Painesville, OH 44077

https://www.painesvillecu.org

Painesville Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Auto Loan	-	-	4.74%
Details As low as Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%

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

Painesville Credit Union’s Texas Ratio stayed near 1.03% in Q2 2023 to 1.09% in Q1 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; 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.

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

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
March 31, 2026	$46M	1.09%	5.0	A+
December 31, 2025	$46M	0.85%	5.0	A+
September 30, 2025	$46M	2.08%	5.0	A+
June 30, 2025	$45M	1.80%	5.0	A+
March 31, 2025	$46M	0.49%	5.0	A+
December 31, 2024	$45M	1.12%	5.0	A+
September 30, 2024	$45M	0.58%	5.0	A+
June 30, 2024	$45M	0.86%	5.0	A+
March 31, 2024	$45M	0.42%	5.0	A+
December 31, 2023	$44M	0.86%	5.0	A+
September 30, 2023	$44M	1.26%	5.0	A+
June 30, 2023	$44M	1.03%	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 Painesville 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 Painesville 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 Painesville Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Painesville Credit Union

Website https://www.painesvillecu.org

Address 280 N Saint Clair St, Painesville, OH 44077

Phone 440-352-8974

Fax 440-352-8110

President Kenneth Takacs

CEO Lori Guzzi

Full-Time Employees 14

Part-Time Employees 0

Branch Locations 1

ATM Locations 1

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

1.09%

Return on Assets (ROA)

0.0290%

Return on Equity (ROE)

0.1787%

Non-Performing Loans Ratio (NPL)

0.32%

Total Assets

45,716,983

Total Amount of Shares and Deposits

37,911,536

Total Shares and Deposits < 1 Year

37,764,210

Total Shares and Deposits 1 3 Years

147,326

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

772,970

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

772,970

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

37,138,566

Total Interest Expense (Sum of items 6 8)

47,523

Share Certificates

327

Number of Accounts for Share Drafts

2,710

Number of Accounts for Regular Shares

7,338

Money Market Shares

103

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

13,265

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)

2,410,959

Total Liabilities

38,295,958

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Painesville 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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Total Reviews

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Frequently Asked Questions About Painesville Credit Union

How many branches does Painesville Credit Union operate?

Painesville 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 Painesville Credit Union?

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

Does Painesville Credit Union offer online and mobile banking?

Most modern institutions like Painesville 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.painesvillecu.org.