What are the current interest rates at PrimeTrust Financial Federal Credit Union?

Current rates for PrimeTrust Financial Federal Credit Union include: 12-Month CD: 4.00%, 24-Month CD: 3.04%, 60-Month CD: 2.79%, Savings: 0.50%, MMA: 2.79%

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PrimeTrust Financial Federal Credit Union

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PrimeTrust Financial Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, PrimeTrust Financial Federal 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: October 12, 2026

PrimeTrust Financial Federal Credit Union's top rates as of October 12, 2026 are 4.00% APY on its Business CDs - 1 Year CD, 0.50% APY on savings, 2.79% APY on money market accounts, 3.55% APY on checking, 6.12% on its 1st Mortgage Loans - 10 year, personal loans from 8.00% APR, and credit cards from 9.90% APR, according to rates verified by MonitorBankRates. Other PrimeTrust Financial Federal Credit Union CD rates include IRA CDs - 1 Year at 4.00%, CDs - 1 Year at 4.00%, and Special CD - 9 Month at 3.90%. Other PrimeTrust Financial Federal Credit Union mortgage rates include 1st Mortgage Loans - 15 year at 6.12%, 1st Mortgage Loans - 20 year at 6.25%, and 1st Mortgage Loans - 30 year at 6.25%. MonitorBankRates evaluates the financial stability of PrimeTrust Financial Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.78%. Rates last updated and verified on 10/12/2026.

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

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.78%

Excellent Lower than avg

Health Trend

Steady 12 quarters

Full history ›

PrimeTrust Financial Federal Credit Union
PrimeTrust Financial FCU

3700 W Bethel Ave
Muncie, IN 47304

https://www.primetrustcu.com

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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.

PrimeTrust Financial Federal Credit Union CD Rates

Product	Rate	APY	Term
IRA Certificates - 1 Year	3.924%	4.00%	1 Year
Min Deposit $1,000 Details Not eligible for Direct Deposit discount Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Share Certificates - 1 Year	3.924%	4.00%	1 Year
Min Deposit $1,000 Details No rate bump available Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Special Share Certificate - 9 Month	3.827%	3.90%	9 months
Min Deposit $1,000 Details Not eligible for Direct Deposit discount; $1,000 minimum Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.90% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
IRA Certificates - 6 Month	3.45%	3.50%	6 Month
Min Deposit $1,000 Details Not eligible for Direct Deposit discount Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Share Certificates - 6 Month	3.45%	3.50%	6 Month
Min Deposit $1,000 Details No rate bump available Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
IRA Certificates - 2 Year	3.00%	3.04%	2 Year
Min Deposit $1,000 Details Not eligible for Direct Deposit discount Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.04% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Share Certificates - 2 Year	3.00%	3.04%	2 Year
Min Deposit $1,000 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.04% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
IRA Certificates - 3 Year	2.75%	2.79%	3 Year
Min Deposit $1,000 Details Not eligible for Direct Deposit discount Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 2.79% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
IRA Certificates - 4 Year	2.75%	2.79%	4 Year
Min Deposit $1,000 Details Not eligible for Direct Deposit discount Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 2.79% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
IRA Certificates - 5 Year	2.75%	2.79%	5 Year
Min Deposit $1,000 Details Not eligible for Direct Deposit discount Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 2.79% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Share Certificates - 3 Year	2.75%	2.79%	3 Year
Min Deposit $1,000 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 2.79% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Share Certificates - 4 Year	2.75%	2.79%	4 Year
Min Deposit $1,000 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 2.79% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Share Certificates - 5 Year	2.75%	2.79%	5 Year
Min Deposit $1,000 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 2.79% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%

PrimeTrust Financial Federal Credit Union Business CD Rates

Product	Rate	APY	Term
Business Share Certificates - 1 Year	3.924%	4.00%	1 Year
Min Deposit $1,000 Details No rate bump available Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 4.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Business Share Certificates - 6 Month	3.45%	3.50%	6 Month
Min Deposit $1,000 Details No rate bump available Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Business Share Certificates - 2 Year	3.00%	3.04%	2 Year
Min Deposit $1,000 Details No rate bump available Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.04% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Business Share Certificates - 3 Year	2.75%	2.79%	3 Year
Min Deposit $1,000 Details No rate bump available Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 2.79% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Business Share Certificates - 4 Year	2.75%	2.79%	4 Year
Min Deposit $1,000 Details No rate bump available Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 2.79% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Business Share Certificates - 5 Year	2.75%	2.79%	5 Year
Min Deposit $1,000 Details No rate bump available Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 2.79% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%

PrimeTrust Financial Federal Credit Union Savings Rates

Product	Rate	APY
HSA - Health Savings Account	0.50%	0.50%
Min Balance $2,500 Details Balance: $2,500+ Last Updated 10/12/2026 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: 5.78%
HSA - Health Savings Account	0.35%	0.35%
Min Balance $0 Details Balance: $0 - $2,499.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Christmas Club (Savings)	0.05%	0.05%
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Share (Savings)	0.05%	0.05%
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Special Shares (Savings)	0.05%	0.05%
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%

PrimeTrust Financial Federal Credit Union Business Savings Rates

Product	Rate	APY	View More
Basic Business Savings	0.05%	0.05%
Min Balance $25 Details Balance: All Balances over $99.99; $25 minimum balance Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%

PrimeTrust Financial Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market	1.25%	1.26%
Min Balance $50,000 Details Balance: $50,000 + Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 1.26% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Money Market	0.90%	0.90%
Min Balance $25,000 Details Balance: $25,000 to $49,999 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.90% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Money Market	0.80%	0.80%
Min Balance $2,500 Details Balance: $2,500 to $24,999 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.80% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Money Market	0.05%	0.05%
Min Balance $0 Details Balance: $0 to $2,499 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%

PrimeTrust Financial Federal Credit Union Business Money Market Rates

Product	Rate	APY
Elite Business Money Market	2.75%	2.79%
Min Balance $5,000 Details $5,000 or more; $5,000 min. balance Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 2.79% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Business Money Market	1.25%	1.26%
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000 or more Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 1.26% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Business Money Market	0.90%	0.90%
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000 to $49,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.90% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Business Money Market	0.80%	0.80%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500 to $24,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.80% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Business Money Market	0.05%	0.05%
Min Deposit $2,500 Min Balance $0 Details Balance: $0 to $2,499.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%

PrimeTrust Financial Federal Credit Union Checking Rates

Product	Rate	APY
Peace of Mind Plus - POM+ Checking	3.489%	3.55%
Details Qualifications Required; Qualifying balance up to $15,000; Must meet program requirements Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 0.10% → 3.55% ▲ 3.45 pts · high 3.55% / low 0.10% Oct 12, 20263.55%▲ from 0.10% Sep 14, 20260.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
StartRight Youth Checking	1.341%	1.35%
Min Balance $0 Details Qualifications Required; Balance: up to $2,000; Must meet program requirements Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 1.35% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
StartRight Youth Checking	0.05%	0.05%
Details Base rate; Must meet program requirements Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%

PrimeTrust Financial Federal Credit Union Business Checking Rates

Product	Rate	APY
Business Checking	0.10%	0.10%
Min Balance $25,000 Details Balance: $25,000 or higher; $1000 minimum balance Last Updated 10/12/2026 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: 5.78%
Business Checking	0.05%	0.05%
Min Balance $1,000 Details Balance: $1,000 to $24,999.99; $1000 minimum balance Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%

PrimeTrust Financial Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
1st Mortgage Loans - 10 year	-	-	6.125%	10 year
Details As Low As; Rates effective 10/13/2026 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 5.99% → 6.13% ▲ 0.13 pts · high 6.13% / low 5.99% Oct 12, 20266.13%▲ from 5.99% Sep 14, 20265.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
1st Mortgage Loans - 15 year	-	-	6.125%	15 year
Details As Low As; Rates effective 10/13/2026 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 5.99% → 6.13% ▲ 0.13 pts · high 6.13% / low 5.99% Oct 12, 20266.13%▲ from 5.99% Sep 14, 20265.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
1st Mortgage Loans - 20 year	-	-	6.25%	20 year
Details As Low As; Rates effective 10/13/2026 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 5.99% → 6.25% ▲ 0.26 pts · high 6.25% / low 5.99% Oct 12, 20266.25%▲ from 5.99% Sep 14, 20265.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
1st Mortgage Loans - 30 year	-	-	6.25%	30 year
Details As Low As; Rates effective 10/13/2026 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 5.99% → 6.25% ▲ 0.26 pts · high 6.25% / low 5.99% Oct 12, 20266.25%▲ from 5.99% Sep 14, 20265.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%

PrimeTrust Financial Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan - 5 year	-	-	7.00%	5 year
Details As Low As; Up to 90% LTV Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Home Equity Loan - 10 year	-	-	7.25%	10 year
Details As Low As; Up to 90% LTV Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Home Equity Loan - 15 year	-	-	7.375%	15 year
Details As Low As; Up to 90% LTV Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.38% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%

PrimeTrust Financial Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Vehicle Loans - 2020 through 2022 Models	-	-	5.49%	36-48 months
Details Additional APR listed for this product: 5.74%, 6.24%. As Low As; Model Year: 2020 through 2022 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Vehicle Loans - 2023 through 2026 Models	-	-	5.49%	36-48 months
Details As Low As; Model Years: 2023 through 2026 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Vehicle Loans - 2023 through 2026 Models	-	-	6.24%	76-84 months
Details As Low As; Model Years: 2023 through 2026; Loan Amounts over $20k only Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Rec Vehicles - 2020 through 2022 Models Loan	-	-	6.49%	Up to 48 Months
Details As Low As; Model Year: 2020 through 2022; Powersport (motorcycle, snowmobiles, ATV & jet-skis) Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 5.99% → 6.49% ▲ 0.50 pts · high 6.49% / low 5.99% Oct 4, 20266.49%▲ from 5.99% Sep 14, 20265.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Rec Vehicles - 2023 through 2026 Models Loan	-	-	6.49%	Up to 48 Months
Details As Low As; Motorcycle, snowmobiles, ATV & jet-skis Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 5.99% → 6.49% ▲ 0.50 pts · high 6.49% / low 5.99% Oct 4, 20266.49%▲ from 5.99% Sep 14, 20265.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Rec Vehicles - 2023 through 2026 Models Loan	-	-	6.49%	Up to 66 Months
Details As Low As; Motorcycle, snowmobiles, ATV & jet-skis Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 5.99% → 6.49% ▲ 0.50 pts · high 6.49% / low 5.99% Oct 4, 20266.49%▲ from 5.99% Sep 14, 20265.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Rec Vehicles - 2023 through 2026 Models Loan	-	-	6.49%	Up to 75 Months
Details As Low As; Motorcycle, snowmobiles, ATV & jet-skis Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 5.99% → 6.49% ▲ 0.50 pts · high 6.49% / low 5.99% Oct 4, 20266.49%▲ from 5.99% Sep 14, 20265.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Vehicle Loans - 2023 through 2026 Models	-	-	6.49%	85-96 months
Details As Low As; Model Years: 2023 through 2026; Loan Amounts over $60k only Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Rec Vehicles - 2020 through 2022 Models Loan	-	-	6.74%	Up to 66 Months
Details As Low As; Model Year: 2020 through 2022; Powersport (motorcycle, snowmobiles, ATV & jet-skis) Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 6.25% → 6.74% ▲ 0.49 pts · high 6.74% / low 6.25% Oct 4, 20266.74%▲ from 6.25% Sep 14, 20266.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Rec Vehicles - 2020 through 2022 Models Loan	-	-	7.24%	Up to 75 Months
Details As Low As; Model Year: 2020 through 2022; Powersport (motorcycle, snowmobiles, ATV & jet-skis) Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 6.74% → 7.24% ▲ 0.50 pts · high 7.24% / low 6.74% Oct 4, 20267.24%▲ from 6.74% Sep 14, 20266.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Rec Vehicles - 2023 through 2026 Models Loan	-	-	7.24%	Up to 84 Months
Details As Low As; Loan Amounts over $20k only; Motorcycle, snowmobiles, ATV & jet-skis Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 6.74% → 7.24% ▲ 0.50 pts · high 7.24% / low 6.74% Oct 4, 20267.24%▲ from 6.74% Sep 14, 20266.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Vehicle Loans - 2015 through 2019 Models	-	-	7.24%	36-48 months
Details Additional APR listed for this product: 7.74%. As Low As; Model Year: 2015 through 2019 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Vehicle Loans - 2020 through 2022 Models	-	-	7.24%	76-84 months
Details As Low As; Model Year: 2020 through 2022; Loan Amounts over $20k only Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Rec Vehicles - 2015 through 2019 Models Loan	-	-	8.24%	Up to 48 Months
Details As Low As; Powersport loans (motorcycle, snowmobiles, ATV & jet-skis); Model Years: 2015 through 2019 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 7.74% → 8.24% ▲ 0.50 pts · high 8.24% / low 7.74% Oct 4, 20268.24%▲ from 7.74% Sep 14, 20267.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Rec Vehicles - 2015 through 2019 Models Loan	-	-	8.74%	Up to 66 Months
Details As Low As; Powersport loans (motorcycle, snowmobiles, ATV & jet-skis); Model Years: 2015 through 2019 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 8.24% → 8.74% ▲ 0.50 pts · high 8.74% / low 8.24% Oct 4, 20268.74%▲ from 8.24% Sep 14, 20268.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Vehicle Loans - 2006 through 2014 Models	-	-	9.24%	Up to 48 months
Details As Low As; Vehicle inspection required - drive-able, mileage, reasonable condition, etc.; Model Year: 2006 through 2014 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 9.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Rec Vehicles - 2006 through 2014 Models Loan	-	-	10.24%	Up to 48 Months
Details As Low As; Model Year: 2006 through 2014; Motorcycle, snowmobiles, ATV & jet-skis Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 9.74% → 10.24% ▲ 0.50 pts · high 10.24% / low 9.74% Oct 4, 202610.24%▲ from 9.74% Sep 14, 20269.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Vehicle Loans - Vintage models (2005 or older)	-	-	10.49%	36-48 Months
Details As Low As; Vehicle inspection required; Vintage models (2005 or older) Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 9.99% → 10.49% ▲ 0.50 pts · high 10.49% / low 9.99% Oct 4, 202610.49%▲ from 9.99% Sep 14, 20269.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Rec Vehicles - Vintage models (2005 or older) Loan	-	-	11.49%	Up to 48 Months
Details As Low As; Motorcycle, snowmobiles, ATV & jet-skis; Powersport loan Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 10.99% → 11.49% ▲ 0.50 pts · high 11.49% / low 10.99% Oct 4, 202611.49%▲ from 10.99% Sep 14, 202610.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%

PrimeTrust Financial Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Boat Loans - 2023 through 2026 models	-	7.25%	36-48 months
Details Additional APR listed for this product: 7.49%, 7.75%, 9.25%. As Low As; Model Year: 2023 through 2026 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
RV / Campers / Trailers - 2023 through 2026 models Loan	-	7.25%	36-48 months
Details Additional APR listed for this product: 7.49%, 7.75%, 9.25%. As Low As; Model Year: 2023 through 2026 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Boat Loans - 2016 through 2022 models	-	8.75%	36-48 months
Details Additional APR listed for this product: 9.00%, 9.25%, 10.75%. As Low As; Model Year: 2016 through 2022 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 8.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
RV / Campers / Trailers - 2015 through 2022 models - 49-66 Months Loan	-	8.99%	49-66 months
Details As Low As; Model Years: 2015 through 2022 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 8.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
RV / Campers / Trailers - 2015 through 2022 models - 36-48 Months Loan	-	9.25%	36-48 months
Details As Low As; Model Years: 2015 through 2022 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 9.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
RV / Campers / Trailers - 2015 through 2022 models - 67-75 Months Loan	-	9.25%	67-75 months
Details As Low As; Model Years: 2015 through 2022 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 9.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Boat Loans - 2023 through 2026 models	-	9.75%	109-144 months
Details As Low As; Model Year: 2023 through 2026; Loan amounts over $60k only Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 9.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
RV / Campers / Trailers - 2023 through 2026 models Loan	-	9.75%	109-144 months
Details As Low As; Model Year: 2023 through 2026; Loan amounts over $40k only Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 9.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
RV / Campers / Trailers - 2015 through 2022 models - 76-84 Months Loan	-	10.75%	76-84 months
Details As Low As; Model Years: 2015 through 2022 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 10.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%

PrimeTrust Financial Federal Credit Union Credit Card Rates

Product	Rate	APR
Platinum Visa	-	9.90%
Details Subject to credit approval based on several factors, including credit history Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 9.90% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Launch Visa (Secured for building credit)	-	10.99%
Details Secured for building credit; Subject to credit approval based on several factors, including credit history Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 10.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Business Visa	-	12.90%
Details Subject to credit approval based on several factors, including credit history Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 12.90% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Gold Visa	-	12.90%
Details Subject to credit approval based on several factors, including credit history Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 12.90% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Classic Visa	-	14.90%
Details Subject to credit approval based on several factors, including credit history Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 14.90% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%

PrimeTrust Financial Federal Credit Union Personal Loan Rates

Product	APR	Term
MyLine (signature line of credit)	8.00%	5 Year
Details Term: 5 Year Draw / 5 Year Repay; As Low As; Personal & Vehicle Loans receive 0.25% discount if member has existing P.O.M. Checking & member is signed up for E-Statements Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 8.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Personal loan (unsecured) - 12 month	8.99%	12 month
Details As Low As; Personal & Vehicle Loans receive 0.25% discount if member has existing P.O.M. Checking & is signed up for E-Statements Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 8.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Personal loan (unsecured) - 24 month	10.24%	24 month
Details As Low As; Personal & Vehicle Loans receive 0.25% discount if member has existing P.O.M. Checking & is signed up for E-Statements Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 10.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Personal loan (unsecured) - 25-60 months	11.74%	25-60 months
Details As Low As; Personal & Vehicle Loans receive 0.25% discount if member has existing P.O.M. Checking & is signed up for E-Statements Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 11.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%

PrimeTrust Financial Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term	View More
IRA Shares	0.10%	-	0.10%
Min Deposit $50 Details IRA shares - $50 minimum Last Updated 10/12/2026 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: 5.78%

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

PrimeTrust Financial Federal Credit Union’s Texas Ratio rose from 4.40% in Q3 2023 to 5.78% in Q2 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. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay 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 limit (green zone below = healthy)

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	$273M	5.78%	5.0	A+
March 31, 2026	$265M	2.44%	5.0	A+
December 31, 2025	$257M	2.49%	5.0	A+
September 30, 2025	$244M	2.81%	5.0	A+
June 30, 2025	$244M	1.82%	5.0	A+
March 31, 2025	$245M	2.99%	5.0	A+
December 31, 2024	$239M	10.75%	5.0	A
September 30, 2024	$240M	3.96%	5.0	A+
June 30, 2024	$236M	4.18%	5.0	A+
March 31, 2024	$236M	4.61%	5.0	A+
December 31, 2023	$225M	4.34%	5.0	A+
September 30, 2023	$208M	4.40%	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 PrimeTrust Financial 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 PrimeTrust Financial 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 PrimeTrust Financial Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name PrimeTrust Financial Federal Credit Union

Website https://www.primetrustcu.com

Address 3700 W Bethel Ave, Muncie, IN 47304

Phone 765-289-2148

Fax 765-282-4676

President Gary Addison

CEO Tim Pierce

Full-Time Employees 75

Part-Time Employees 7

Branch Locations 5

ATM Locations 4

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

5.78%

Return on Assets (ROA)

0.4531%

Return on Equity (ROE)

4.3677%

Non-Performing Loans Ratio (NPL)

0.88%

Total Assets

272,923,361

Total Amount of Shares and Deposits

243,095,499

Total Shares and Deposits < 1 Year

202,908,977

Total Shares and Deposits 1 3 Years

40,186,522

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

9,745,505

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

9,745,505

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

233,349,994

Total Interest Expense (Sum of items 6 8)

1,491,636

Share Certificates

1,450

Number of Accounts for Share Drafts

11,616

IRA KEOGH Accounts

462

Number of Accounts for Regular Shares

18,902

All other shares

5,814

Non Member Deposits

Money Market Shares

679

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

130,767

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)

18,039,831

Total Liabilities

244,611,574

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

PrimeTrust Financial Federal 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.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
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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

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Frequently Asked Questions About PrimeTrust Financial Federal Credit Union

How many branches does PrimeTrust Financial Federal Credit Union operate?

PrimeTrust Financial 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 PrimeTrust Financial Federal Credit Union?

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

Does PrimeTrust Financial Federal Credit Union offer online and mobile banking?

Most modern institutions like PrimeTrust Financial 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.primetrustcu.com.

Current PrimeTrust Financial Federal Credit Union Rates

12-Month CD4.00%
24-Month CD3.04%
60-Month CD2.79%
Savings0.50%
MMA2.79%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

PrimeTrust Financial Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

PrimeTrust Financial Federal Credit Union Texas Ratio

PrimeTrust Financial Federal Credit Union Health Trend

PrimeTrust Financial Federal Credit Union CD Rates

PrimeTrust Financial Federal Credit Union Business CD Rates

PrimeTrust Financial Federal Credit Union Savings Rates

PrimeTrust Financial Federal Credit Union Business Savings Rates

PrimeTrust Financial Federal Credit Union Money Market Rates

PrimeTrust Financial Federal Credit Union Business Money Market Rates

PrimeTrust Financial Federal Credit Union Checking Rates

PrimeTrust Financial Federal Credit Union Business Checking Rates

PrimeTrust Financial Federal Credit Union Mortgage Rates

PrimeTrust Financial Federal Credit Union Home Equity & HELOC

PrimeTrust Financial Federal Credit Union Auto Loan Rates

PrimeTrust Financial Federal Credit Union RV, Boat and Powersport Loan Rates

PrimeTrust Financial Federal Credit Union Credit Card Rates

PrimeTrust Financial Federal Credit Union Personal Loan Rates

PrimeTrust Financial Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

PrimeTrust Financial Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About PrimeTrust Financial Federal Credit Union

How many branches does PrimeTrust Financial Federal Credit Union operate?

Is a member application needed to join PrimeTrust Financial Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does PrimeTrust Financial Federal Credit Union offer online and mobile banking?

Current PrimeTrust Financial Federal Credit Union Rates

Compare to Other Credit Unions