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PCM 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 13, 2026
PCM Credit Union's top rates as of October 13, 2026 are 5.00% APY on its 14 Month CD Specials, 7.50% APY on savings, 0.10% APY on checking, 6.38% on its Adjustable Rate Mortgage - 20-Year Amortized, personal loans from 7.49% APR, and credit cards from 13.99% APR, according to rates verified by MonitorBankRates. Other PCM Credit Union CD rates include 8 Month CD Specials at 5.00%, 20 Month CD Specials at 4.50%, and 13 Month CD Specials at 4.25%. Other PCM Credit Union mortgage rates include Adjustable Rate Mortgage - 15-Year Amortized at 6.38%, Fixed Rate Mortgage - 10-Year Fixed at 6.38%, and Adjustable Rate Mortgage - 30-Year Amortized at 6.49%. MonitorBankRates evaluates the financial stability of PCM Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.06%. Rates last updated and verified on 10/13/2026.
PCM 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 PCM Credit Union? Share your experience about PCM Credit Union by leaving a review below, or read customer reviews before you decide to use PCM Credit Union.
PCM 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
PCM 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
?
4.06%
ExcellentLower than avg
PCM Credit Union Texas Ratio
PCM Credit Union's Texas Ratio is 4.06%, which is considered excellent and is lower than the national average of 6.13%.
PCM 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.
1.54% to 4.06% 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.
PCM Credit Union CD Rates
Product
Rate
APY
Term
View More
14 Month Share Certificate Specials
4.89%
5.00%
14 Month
Min Balance$500
DetailsLimited-time special; early withdrawal penalty: 90 days of dividends if 1 year or less
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 5.00% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.06%
8 Month Share Certificate Specials
4.89%
5.00%
8 Month
Min Balance$500
DetailsLimited-time special; early withdrawal penalty: 90 days of dividends if 1 year or less
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 5.00% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.06%
20 Month Share Certificate Specials
4.41%
4.50%
20 Month
Min Balance$500
DetailsLimited-time special; early withdrawal penalty: 90 days of dividends if 1 year or less
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 4.50% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.06%
13 Month Share Certificate Specials
4.17%
4.25%
13 Month
Min Balance$500
DetailsFlex Special: no penalty for early withdrawal; not offered on IRAs; additional deposits of at least $100 allowed; limited-time special
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: 4.06%
48 Month Share Certificates
4.07%
4.15%
48 Month
Min Balance$500
DetailsIncludes Roth and Traditional Share IRAs; early withdrawal penalty: 180 days of dividend if over 1 year
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 4.15% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.06%
60 Month Share Certificates
4.07%
4.15%
60 Month
Min Balance$500
DetailsIncludes Roth and Traditional Share IRAs; early withdrawal penalty: 180 days of dividend if over 1 year
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 4.15% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.06%
30, 36 Month Share Certificates
3.93%
4.00%
30, 36 Month
Min Balance$500
DetailsIncludes Roth and Traditional Share IRAs; early withdrawal penalty: 180 days of dividend if over 1 year
Last Updated10/13/2026
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
Oct 1, 20264.00%▲ from 3.75%
Sep 14, 20263.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.06%
9,12, 18 Month Share Certificates
3.45%
3.50%
9,12, 18 Month
Min Balance$500
DetailsIncludes Roth and Traditional Share IRAs; early withdrawal penalty: 90 days of dividends if 1 year or less
Last Updated10/13/2026
Rate History
No change since Oct 1, 2026 · 3.50% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.06%
24, 25 Month Share Certificates
3.45%
3.50%
24, 25 Month
Min Balance$500
DetailsIncludes Roth and Traditional Share IRAs; early withdrawal penalty: 180 days of dividend if over 1 year
Last Updated10/13/2026
Rate History
1 change since Sep 14, 2026 · 3.25% → 3.50% ▲ 0.25 pts · high 3.50% / low 3.25%
Oct 1, 20263.50%▲ from 3.25%
Sep 14, 20263.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.06%
3, 6, 7 Month Share Certificates
2.96%
3.00%
3, 6, 7 Month
Min Balance$500
DetailsIncludes Roth and Traditional Share IRAs; early withdrawal penalty: 90 days of dividends if 1 year or less
Last Updated10/13/2026
Rate History
1 change since Sep 14, 2026 · 2.75% → 3.00% ▲ 0.25 pts · high 3.00% / low 2.75%
Oct 1, 20263.00%▲ from 2.75%
Sep 14, 20262.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.06%
PCM Credit Union Savings Rates
Product
Rate
APY
View More
Reward Savings
7.25%
7.50%
Min Balance$0
DetailsQualifying balance up to $500
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 7.50% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.06%
FirstHome Savings
1.00%
1.00%
Min Balance$250
DetailsBalance: $250+
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.06%
Health Savings Account
0.75%
0.75%
Min Balance$100
DetailsBalance: $100+
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.75% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.06%
Holiday Club
0.50%
0.50%
Min Balance$25
DetailsBalance: $25+
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: 4.06%
PCM Credit Union Checking Rates
Product
Rate
APY
View More
Checking
0.10%
0.10%
Min Balance$5,000
DetailsBalance: $5,000+
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.06%
PCM Credit Union Mortgage Rates
Product
Rate
Points
APR
Term
View More
Adjustable Rate Mortgage - 20-Year Amortized
6.375%
-
6.45%
DetailsFixed rate for 5 years; max annual adjustment after 5th year 1%; max lifetime adjustment 4%; PMI may apply; rate based on $200,000 loan; PMT/$1K $7.39
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 6.45% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.06%
Adjustable Rate Mortgage - 15-Year Amortized
6.375%
-
6.467%
DetailsFixed rate for 5 years; max annual adjustment after 5th year 1%; max lifetime adjustment 4%; PMI may apply; rate based on $200,000 loan; PMT/$1K $8.65
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 6.47% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.06%
Fixed Rate Mortgage - 10-Year Fixed
6.375%
-
6.498%
DetailsPMT/$1K $11.30
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 6.50% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.06%
Adjustable Rate Mortgage - 30-Year Amortized
6.49%
-
6.548%
DetailsFixed rate for 5 years; max annual adjustment after 5th year 1%; max lifetime adjustment 4%; PMI may apply; rate based on $200,000 loan; PMT/$1K $6.32
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 6.55% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.06%
Fixed Rate Mortgage - 12-Year Fixed
6.625%
-
6.736%
DetailsPMT/$1K $10.09
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 6.74% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.06%
Fixed Rate Mortgage - 20-Year Fixed
6.99%
-
7.067%
DetailsCap of $500,000; minimum credit score 670; PMT/$1K $7.75
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: 4.06%
Fixed Rate Mortgage - 15-Year Fixed
6.99%
-
7.084%
DetailsCap of $500,000; minimum credit score 670; PMT/$1K $8.99
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 7.08% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.06%
Fannie Mae Fixed Rate Mortgage - 15-Year Fixed
7.00%
-
7.113%
DetailsRates may vary based on credit score, equity and loan purpose; PMT/$1K $8.31
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 7.11% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.06%
Fannie Mae Fixed Rate Mortgage - 30-Year Fixed
7.50%
-
7.572%
DetailsRates may vary based on credit score, equity and loan purpose; PMT/$1K $6.00
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 7.57% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.06%
Fannie Mae Fixed Rate Mortgage - 20-Year Fixed
7.50%
-
7.593%
DetailsRates may vary based on credit score, equity and loan purpose; PMT/$1K $7.17
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 7.59% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.06%
PCM Credit Union Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
Home Equity Line of Credit - 80% Max LTV Variable Rate
7.00%
-
7.00%
DetailsPrime +0%; variable rate adjusts quarterly per Wall Street Journal Prime; lifetime min 4.49% / max 11%; PMT/$1K $10.00
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 7.00% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.06%
Home Equity Loan - 80% Max LTV
6.625%
-
7.056%
DetailsPMT/$1K $8.79
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 7.06% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.06%
Home Equity Line of Credit - 100% Max LTV Variable Rate
8.00%
-
8.00%
DetailsPrime +1%; variable rate adjusts quarterly per Wall Street Journal Prime; lifetime min 4.49% / max 11%; PMT/$1K $10.00
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 8.00% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.06%
Home Equity Line of Credit - 100% Max LTV Fixed Rate
11.49%
-
11.49%
DetailsPMT/$1K $20.00
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 11.49% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.06%
PCM Credit Union Credit Card Rates
Product
Rate
APR
View More
Rewards Mastercard & SimplyGo Mastercard
-
13.99%
DetailsCredit card APR; PMT/$1K $20.00
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 13.99% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.06%
PCM Credit Union Personal Loan Rates
Product
APR
Term
View More
Home Improvement Personal Loan
7.49%
Up to 15 Years
DetailsNo collateral required; PMT/$1K $9.27
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 7.49% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.06%
Signature Loan
10.99%
DetailsCredit Score: 735+; PMT/$1K $21.75
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 10.99% APR · checked 6 times
No change since Sep 14, 2026 · 12.99% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.06%
Kwik Cash Loan
-
-
14.99%
DetailsCredit Score: 635 or less (+3%); PMT/$1K $20.00
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 14.99% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.06%
Vacant Land - 80% Max LTV Refinance
6.99%
-
7.133%
DetailsPMT/$1K $8.99
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 7.13% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.06%
Vacant Land - 90% Max LTV Purchase Loan
6.99%
-
7.133%
DetailsPMT/$1K $8.99
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 7.13% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.06%
Dream.Save.Win!
0.75%
-
0.75%
Min Balance$100
DetailsBalance: $100+; early withdrawal penalty: $5.00 or 90 days dividends, whichever is greater
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.75% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.06%
Regular Share
0.15%
-
0.15%
Min Deposit$5
Min Balance$100
DetailsBalance: $100+
Last Updated10/13/2026
Rate History
No change since Oct 1, 2026 · 0.15% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.06%
Super Shares
0.75%
-
0.75%
Min Balance$2,500
DetailsBalance: $2,500 - $4,999; includes ROTH, Traditional IRA, and CESA Share; below $2,500 dividend rate is Regular Shares rate
Last Updated10/13/2026
Rate History
No change since Oct 1, 2026 · 0.75% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.06%
Super Shares
1.00%
-
1.00%
Min Balance$5,000
DetailsBalance: $5,000 - $24,999; includes ROTH, Traditional IRA, and CESA Share
Last Updated10/13/2026
Rate History
No change since Oct 1, 2026 · 1.00% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.06%
Super Shares
1.24%
-
1.25%
Min Balance$25,000
DetailsBalance: $25,000 - $49,999; includes ROTH, Traditional IRA, and CESA Share
Last Updated10/13/2026
Rate History
No change since Oct 1, 2026 · 1.25% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.06%
Super Shares
1.49%
-
1.50%
Min Balance$50,000
DetailsBalance: $50,000 - $99,999; includes ROTH, Traditional IRA, and CESA Share
Last Updated10/13/2026
Rate History
No change since Oct 1, 2026 · 1.50% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.06%
Super Shares
2.47%
-
2.50%
Min Balance$100,000
DetailsBalance: $100,000 - $199,999; includes ROTH, Traditional IRA, and CESA Share
Last Updated10/13/2026
Rate History
No change since Oct 1, 2026 · 2.50% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.06%
Super Shares
2.96%
-
3.00%
Min Balance$200,000
DetailsBalance: $200,000 - $499,999; includes ROTH, Traditional IRA, and CESA Share
Last Updated10/13/2026
Rate History
No change since Oct 1, 2026 · 3.00% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.06%
Super Shares
3.20%
-
3.25%
Min Balance$500,000
DetailsBalance: $500,000+; includes ROTH, Traditional IRA, and CESA Share
Last Updated10/13/2026
Rate History
No change since Oct 1, 2026 · 3.25% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.06%
Top Ten Shares
1.24%
-
1.25%
Min Balance$5,000
DetailsBalance: $5,000 - $24,999
Last Updated10/13/2026
Rate History
No change since Oct 1, 2026 · 1.25% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.06%
Top Ten Shares
1.49%
-
1.50%
Min Balance$25,000
DetailsBalance: $25,000 - $49,999
Last Updated10/13/2026
Rate History
No change since Oct 1, 2026 · 1.50% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.06%
Top Ten Shares
1.74%
-
1.75%
Min Balance$50,000
DetailsBalance: $50,000 - $99,999
Last Updated10/13/2026
Rate History
No change since Oct 1, 2026 · 1.75% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.06%
Top Ten Shares
2.72%
-
2.75%
Min Balance$100,000
DetailsBalance: $100,000 - $199,999
Last Updated10/13/2026
Rate History
No change since Oct 1, 2026 · 2.75% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.06%
Top Ten Shares
3.20%
-
3.25%
Min Balance$200,000
DetailsBalance: $200,000 - $499,999
Last Updated10/13/2026
Rate History
No change since Oct 1, 2026 · 3.25% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.06%
Top Ten Shares
3.45%
-
3.50%
Min Balance$500,000
DetailsBalance: $500,000+
Last Updated10/13/2026
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: 4.06%
Financial Health History
PCM Credit Union’s Texas Ratio rose from 1.54% in Q3 2023 to 4.06% 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
$515M
4.06%
5.0
A+
March 31, 2026
$511M
3.70%
5.0
A+
December 31, 2025
$501M
3.55%
5.0
A+
September 30, 2025
$498M
3.56%
5.0
A+
June 30, 2025
$487M
3.33%
5.0
A+
March 31, 2025
$476M
2.06%
5.0
A+
December 31, 2024
$468M
2.18%
5.0
A+
September 30, 2024
$465M
2.37%
5.0
A+
June 30, 2024
$460M
1.19%
5.0
A+
March 31, 2024
$457M
1.78%
5.0
A+
December 31, 2023
$450M
1.21%
5.0
A+
September 30, 2023
$449M
1.54%
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 PCM 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 PCM 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 PCM 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)
75,202,948
Total Uninsured Shares and Deposits > $250K (F+J)
75,202,948
Total Insured Shares and Deposits > $250K (item 17 less item K)
342,420,114
Total Interest Expense (Sum of items 6 8)
6,097,345
Share Certificates
4,242
Number of Accounts for Share Drafts
10,148
IRA KEOGH Accounts
1,078
Number of Accounts for Regular Shares
21,481
All other shares
1,348
Money Market Shares
2,284
Net Income (unless the amount is already included in Undivided Earnings)
2,466,870
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)
7,595,702
Total Liabilities
462,965,745
Source: NCUA — Last Updated 06/30/2026
Q2 2026 MBR Health & Safety Badge
PCM Credit Union earned the Verified Healthy badge
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Frequently Asked Questions About PCM Credit Union
How many branches does PCM Credit Union operate?
PCM 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 PCM Credit Union?
Yes, to access services at PCM 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, PCM 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, PCM Credit Union provides members with tools to manage their accounts and build a solid financial history.
Does PCM Credit Union offer online and mobile banking?
Most modern institutions like PCM 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.pcmcu.org.
Current PCM Credit Union Rates
12-Month CD4.25%
18-Month CD3.50%
24-Month CD3.50%
60-Month CD4.15%
Savings7.50%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
