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Park City 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
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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 13, 2026
Park City Credit Union's top rates as of October 13, 2026 are 4.25% APY on its Share / IRA CDs - 13 Month, 4.00% APY on savings, 2.50% APY on money market accounts, 5.00% APY on checking, 6.25% on its 10 Year mortgage, personal loans from 9.50% APR, and credit cards from 10.75% APR, according to rates verified by MonitorBankRates. Other Park City Credit Union CD rates include Share / IRA CDs - 25 Month at 4.25%, Share / IRA CDs - 60 Month at 3.50%, and Share / IRA CDs - 48 Month at 3.25%. Other Park City Credit Union mortgage rates include Mortgage - 15 Year at 6.40%, Mortgage - 20 Year at 6.70%, and Mortgage - 30 Year at 6.95%. MonitorBankRates evaluates the financial stability of Park City Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.71%. Rates last updated and verified on 10/13/2026.
Park City 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 Park City Credit Union? Share your experience about Park City Credit Union by leaving a review below, or read customer reviews before you decide to use Park City Credit Union.
Park City Credit Union has earned an overall safety grade of A+ (Exceptional, Score: 99/100).
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
Park City 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
?
2.71%
ExcellentLower than avg
Park City Credit Union Texas Ratio
Park City Credit Union's Texas Ratio is 2.71%, which is considered excellent and is lower than the national average of 6.13%.
Park City 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.
3.32% to 2.71% 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.
Park City Credit Union CD Rates
Product
Rate
APY
Term
View More
Share / IRA Certificates - 13 Month
4.18%
4.25%
13 Month
Min Deposit$5,000
DetailsNew Funds Only
Last Updated10/13/2026
Rate History
1 change since Sep 14, 2026 · 3.50% → 4.25% ▲ 0.75 pts · high 4.25% / low 3.50%
Oct 13, 20264.25%▲ from 3.50%
Sep 14, 20263.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.71%
Share / IRA Certificates - 25 Month
4.18%
4.25%
25 Month
Min Deposit$5,000
DetailsNew Funds Only
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 4.25% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.71%
Share / IRA Certificates - 60 Month
3.45%
3.50%
60 Month
Min Deposit$1,000
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.71%
Share / IRA Certificates - 48 Month
3.21%
3.25%
48 Month
Min Deposit$1,000
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.71%
Share / IRA Certificates - 36 Month
2.97%
3.00%
36 Month
Min Deposit$1,000
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.71%
Share / IRA Certificates - My First Certificate (12 Month)
2.97%
3.00%
12 Month
Min Deposit$500
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.71%
Share / IRA Certificates - Teen Dreams Certificate (12 Month)
2.97%
3.00%
12 Month
Min Deposit$100
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.71%
Share / IRA Certificates - Junior Investor Certificate (6 Month)
2.48%
2.50%
6 Month
Min Deposit$100
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.71%
Share / IRA Certificates - Teen Dreams Certificate (6 Month)
2.48%
2.50%
6 Month
Min Deposit$100
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.71%
Share / IRA Certificates - 24 Month
0.65%
0.65%
24 Month
Min Deposit$1,000
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.65% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.71%
Share / IRA Certificates - 12 Month
0.50%
0.50%
12 Month
Min Deposit$1,000
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.71%
Share / IRA Certificates - 6 Month
0.35%
0.35%
6 Month
Min Deposit$1,000
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.35% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.71%
Park City Credit Union Savings Rates
Product
Rate
APY
View More
Rewards Savings
3.93%
4.00%
Min Balance$0
DetailsBalance: $0.00 - $100,000.00; Rate applies if qualifications are met
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.71%
Youth Savings
1.98%
2.00%
No additional details.
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.71%
Health Savings Accounts (HSA)
0.50%
0.50%
Min Balance$5,000
DetailsBalance: $5,000.00 & Above
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.71%
Health Savings Accounts (HSA)
0.25%
0.25%
Min Balance$500
DetailsBalance: $500.00 - $4,999.99
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.71%
Pinnacle Savings Account
0.25%
0.25%
DetailsBalance: $75,000.00 - $99,999.99; Available to members who maintain a checking account with a recurring direct deposit
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 0.25% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.71%
Premier Savings Account
0.25%
0.25%
Min Balance$75,000
DetailsBalance: $75,000.00 & Above
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.71%
Pinnacle Savings Account
0.20%
0.20%
Min Balance$5
DetailsBalance: $5.00 - $74,999.99; Available to members who maintain a checking account with a recurring direct deposit
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.71%
Health Savings Accounts (HSA)
0.15%
0.15%
Min Balance$0
DetailsBalance: $0.00 - $499.99
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.71%
Premier Savings Account
0.10%
0.10%
Min Balance$5
DetailsBalance: $5.00 - $74,999.99
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.71%
Christmas Club
0.05%
0.05%
Min Balance$5
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.71%
Savers Plus
0.05%
0.05%
Min Balance$5
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.71%
Regular Savings
0.01%
0.01%
Min Balance$5
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.01% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.71%
Park City Credit Union Money Market Rates
Product
Rate
APY
View More
Gold Money Market
2.47%
2.50%
Min Balance$1,000,000
DetailsBalance: $1,000,000.00 & Above
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.71%
Gold Money Market
2.23%
2.25%
Min Balance$100,000
DetailsBalance: $100,000.00 to $249,999.99
Last Updated10/13/2026
Rate History
No change since Sep 18, 2026 · 2.25% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.71%
Gold Money Market
2.23%
2.25%
Min Balance$250,000
DetailsBalance: $250,000.00 to $999,999.99
Last Updated10/13/2026
Rate History
No change since Sep 18, 2026 · 2.25% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.71%
Gold Money Market
1.24%
1.25%
Min Balance$25,000
DetailsBalance: $25,000.00 to $99,999.99
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 1.25% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.71%
Gold Money Market
0.99%
1.00%
Min Balance$10,000
DetailsBalance: $10,000.00 to $24,999.99
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.71%
Platinum Money Market
0.25%
0.25%
Min Balance$25,000
DetailsBalance: $25,000.00 - $99,999.99
Last Updated10/13/2026
Rate History
No change since Sep 18, 2026 · 0.25% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.71%
Platinum Money Market
0.25%
0.25%
Min Balance$100,000
DetailsBalance: $100,000.00 & Above
Last Updated10/13/2026
Rate History
No change since Sep 18, 2026 · 0.25% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.71%
Park City Credit Union Checking Rates
Product
Rate
APY
View More
PCCU Cash (Checking)
4.89%
5.00%
Min Balance$0
DetailsQualifications Required; Balance: $0.00 - $15,000.00; Qualifying balance up to $15,000.00
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 5.00% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.71%
Organizational Checking
1.98%
2.00%
Min Balance$500
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.71%
Park City Credit Union Business Checking Rates
Product
Rate
APY
View More
Business Checking
0.01%
0.01%
Min Balance$500
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.01% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.71%
Park City Credit Union Mortgage Rates
Product
Rate
Points
APR
Term
View More
Mortgage - 10 Year
6.25%
-
6.52%
10 Year
DetailsAPR as low as 6.52%; APR effective 09/28/2026; Based on assumed credit score of 720 or higher; Payments exclude escrow for taxes and insurance
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 6.52% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.71%
Mortgage - 15 Year
6.40%
-
6.59%
15 Year
DetailsAPR as low as 6.59%; APR effective 09/28/2026; Based on assumed credit score of 720 or higher; Payments exclude escrow for taxes and insurance
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 6.59% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.71%
Mortgage - 20 Year
6.70%
-
6.85%
20 Year
DetailsAPR as low as 6.85%; APR effective 09/28/2026; Based on assumed credit score of 720 or higher; Payments exclude escrow for taxes and insurance
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 6.85% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.71%
Mortgage - 30 Year
6.95%
-
7.07%
30 Year
DetailsAPR as low as 7.07%; APR effective 09/28/2026; Based on assumed credit score of 720 or higher; Payments exclude escrow for taxes and insurance
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 7.07% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.71%
Park City Credit Union Auto Loan Rates
Product
Rate
Points
APR
Term
View More
Auto, Truck, Motorcycle, and Recreational Loans
-
-
4.99%
24 months or less
DetailsAs Low As; Includes automobiles, trucks, motorcycles, boats, RVs, 5th wheels, campers, travel trailers, toy haulers, and livestock trailers with living quarters; APR effective 07/15/2026; based on financing 75% of value
Last Updated10/13/2026
Rate History
No change since Sep 18, 2026 · 4.99% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.71%
Auto, Truck, Motorcycle, and Recreational Loans
-
-
4.99%
25 - 36 months
DetailsAs Low As; Includes automobiles, trucks, motorcycles, boats, RVs, 5th wheels, campers, travel trailers, toy haulers, and livestock trailers with living quarters; APR effective 07/15/2026; based on financing 75% of value
Last Updated10/13/2026
Rate History
No change since Sep 18, 2026 · 4.99% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.71%
Auto, Truck, Motorcycle, and Recreational Loans
-
-
4.99%
37 - 48 months
DetailsAs Low As; Includes automobiles, trucks, motorcycles, boats, RVs, 5th wheels, campers, travel trailers, toy haulers, and livestock trailers with living quarters; APR effective 07/15/2026; based on financing 75% of value
Last Updated10/13/2026
Rate History
No change since Sep 18, 2026 · 4.99% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.71%
Auto, Truck, Motorcycle, and Recreational Loans
-
-
5.25%
49 - 60 months
DetailsAs Low As; Includes automobiles, trucks, motorcycles, boats, RVs, 5th wheels, campers, travel trailers, toy haulers, and livestock trailers with living quarters; APR effective 07/15/2026; based on financing 75% of value
Last Updated10/13/2026
Rate History
No change since Sep 18, 2026 · 5.25% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.71%
Auto, Truck, Motorcycle, and Recreational Loans
-
-
5.25%
61 - 72 months
DetailsAs Low As; Includes automobiles, trucks, motorcycles, boats, RVs, 5th wheels, campers, travel trailers, toy haulers, and livestock trailers with living quarters; APR effective 07/15/2026; based on financing 75% of value
Last Updated10/13/2026
Rate History
No change since Sep 18, 2026 · 5.25% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.71%
Auto, Truck, Motorcycle, and Recreational Loans
-
-
6.25%
73 - 84 months
DetailsAs Low As; Includes automobiles, trucks, motorcycles, boats, RVs, 5th wheels, campers, travel trailers, toy haulers, and livestock trailers with living quarters; APR effective 07/15/2026; based on financing 75% of value
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 6.25% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.71%
Auto, Truck, Motorcycle, and Recreational Loans
-
-
6.49%
85 - 108 months
DetailsAs Low As; Includes automobiles, trucks, motorcycles, boats, RVs, 5th wheels, campers, travel trailers, toy haulers, and livestock trailers with living quarters; APR effective 07/15/2026; based on financing 75% of value; Auto, Truck, and Motorcycle (except Harley-Davidson) loans have a maximum term of 84 months
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 6.49% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.71%
Auto, Truck, Motorcycle, and Recreational Loans
-
-
6.75%
109 - 120 months
DetailsAs Low As; Includes automobiles, trucks, motorcycles, boats, RVs, 5th wheels, campers, travel trailers, toy haulers, and livestock trailers with living quarters; APR effective 07/15/2026; based on financing 75% of value; Auto, Truck, and Motorcycle (except Harley-Davidson) loans have a maximum term of 84 months
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 6.75% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.71%
Auto, Truck, Motorcycle, and Recreational Loans
-
-
8.25%
121 - 180 months
DetailsAs Low As; Includes automobiles, trucks, motorcycles, boats, RVs, 5th wheels, campers, travel trailers, toy haulers, and livestock trailers with living quarters; APR effective 07/15/2026; based on financing 75% of value; Auto, Truck, and Motorcycle (except Harley-Davidson) loans have a maximum term of 84 months
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 8.25% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.71%
Park City Credit Union RV, Boat and Powersport Loan Rates
Product
Rate
APR
Term
View More
Recreational Loans
-
4.99%
36 months or less
DetailsAs Low As; Includes ATVs, UTVs, snowmobiles, dump trailers, livestock trailers, dirt bikes, jet ski's, tractors, skid steers, and other non-titled collateral; APR effective 07/15/2026
Last Updated10/13/2026
Rate History
No change since Sep 18, 2026 · 4.99% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.71%
Recreational Loans
-
4.99%
37 - 48 months
DetailsAs Low As; Includes ATVs, UTVs, snowmobiles, dump trailers, livestock trailers, dirt bikes, jet ski's, tractors, skid steers, and other non-titled collateral; APR effective 07/15/2026
Last Updated10/13/2026
Rate History
No change since Sep 18, 2026 · 4.99% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.71%
Recreational Loans
-
5.25%
49 - 60 months
DetailsAs Low As; Includes ATVs, UTVs, snowmobiles, dump trailers, livestock trailers, dirt bikes, jet ski's, tractors, skid steers, and other non-titled collateral; APR effective 07/15/2026
Last Updated10/13/2026
Rate History
No change since Sep 18, 2026 · 5.25% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.71%
Recreational Loans
-
5.25%
61 - 72 months
DetailsAs Low As; Includes ATVs, UTVs, snowmobiles, dump trailers, livestock trailers, dirt bikes, jet ski's, tractors, skid steers, and other non-titled collateral; APR effective 07/15/2026
Last Updated10/13/2026
Rate History
No change since Sep 18, 2026 · 5.25% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.71%
Park City Credit Union Credit Card Rates
Product
Rate
APR
View More
Visa Classic
10.75%
10.75%
DetailsAs Low As; APR effective 03/01/2026 and variable based on the Prime Lending Rate; Monthly Payment per $1,000: varies
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 10.75% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.71%
Visa Rewards
11.75%
11.75%
DetailsAs Low As; APR effective 03/01/2026 and variable based on the Prime Lending Rate; Monthly Payment per $1,000: varies
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 11.75% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.71%
Park City Credit Union Personal Loan Rates
Product
APR
Term
View More
Unsecured / Personal Loans
9.50%
36 months or less
DetailsAs Low As; APR effective 08/20/2025; Individual rates and terms may vary based on credit history and credit score
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 9.50% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.71%
Unsecured / Personal Loans
10.75%
37 - 60 months
DetailsAs Low As; APR effective 08/20/2025; Individual rates and terms may vary based on credit history and credit score
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 10.75% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.71%
Park City Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
Homeowner's Advantage Loan
-
-
8.50%
60 months or less
DetailsAs Low As; APR effective 08/20/2025; lowest available rate; individual rates and terms may vary based on credit history and credit score
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 8.50% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.71%
Kwik Cash Line of Credit
18.00%
-
18.00%
Revolving
DetailsAs Low As; APR effective 07/03/2017; The rate listed is our lowest available rate.
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 18.00% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.71%
IRA Passbook
0.05%
-
0.05%
Min Balance$5
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.71%
Junior Spending
0.50%
-
0.50%
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.71%
Share / IRA Certificates - 24 Month Children's Certificate
0.25%
-
0.25%
24 Month
Min Deposit$100
DetailsChildren's certificate; Children's certificates include 24-month share certificates or IRA Educational (Coverdell) Savings Accounts
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.71%
Financial Health History
Park City Credit Union’s Texas Ratio fell from 3.32% in Q3 2023 to 2.71% 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
$397M
2.71%
5.0
A+
March 31, 2026
$390M
3.36%
5.0
A+
December 31, 2025
$381M
3.07%
5.0
A+
September 30, 2025
$377M
4.10%
5.0
A+
June 30, 2025
$372M
3.22%
5.0
A+
March 31, 2025
$369M
3.03%
5.0
A+
December 31, 2024
$358M
4.40%
5.0
A+
September 30, 2024
$357M
3.15%
5.0
A+
June 30, 2024
$352M
3.53%
5.0
A+
March 31, 2024
$351M
3.03%
5.0
A+
December 31, 2023
$348M
4.28%
5.0
A+
September 30, 2023
$351M
3.32%
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 Park City 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 Park City 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 Park City Credit Union's official website for the most current offers and terms.
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
23,849,735
Total Uninsured Shares and Deposits > $250K (F+J)
23,849,735
Total Insured Shares and Deposits > $250K (item 17 less item K)
315,177,919
Total Interest Expense (Sum of items 6 8)
2,524,934
Share Certificates
1,388
Number of Accounts for Share Drafts
17,517
IRA KEOGH Accounts
946
Number of Accounts for Regular Shares
30,489
All other shares
1,330
Money Market Shares
308
Net Income (unless the amount is already included in Undivided Earnings)
1,624,847
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)
16,955,584
Total Liabilities
359,528,005
Source: NCUA — Last Updated 06/30/2026
Q2 2026 MBR Health & Safety Badge
Park City 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 Park City Credit Union
How many branches does Park City Credit Union operate?
Park City 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 Park City Credit Union?
Yes, to access services at Park City 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, Park City 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, Park City Credit Union provides members with tools to manage their accounts and build a solid financial history.
Does Park City Credit Union offer online and mobile banking?
Most modern institutions like Park City 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.parkcitycu.org.
Current Park City Credit Union Rates
12-Month CD0.50%
24-Month CD0.65%
60-Month CD3.50%
Savings4.00%
MMA2.50%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
