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Puget Sound Refinery Federal Credit Union

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Puget Sound Refinery Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Puget Sound Refinery 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 15, 2026

Puget Sound Refinery Federal Credit Union's top rate as of October 15, 2026 is personal loans from 13.00% APR, according to rates verified by MonitorBankRates. MonitorBankRates evaluates the financial stability of Puget Sound Refinery Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.48%. Rates last updated and verified on 10/15/2026.

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

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

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

7.48%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Puget Sound Refinery Federal Credit Union
Corporate Office

12275 Bartholomew Rd
Anacortes, WA 98221

https://psrfcu.org

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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.

Puget Sound Refinery Federal Credit Union Savings Rates

Product	Rate	APY	View More
Christmas Club Account	-	3.50%
Details Earn 3.5% on up to $10,000; funds are released first day of November each year Last Updated 10/15/2026 Rate History No change since Sep 20, 2026 · 3.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%

Puget Sound Refinery Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR
HELOC - Owner Occupied	-	-	7.75%
Details VPR: Quarterly; Credit Rating: A++; Rates are APR; VPR is subject to change monthly Last Updated 10/15/2026 Rate History No change since Oct 15, 2026 · 7.75% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
HELOC - Owner Occupied	-	-	8.25%
Details VPR: 5 year; Credit Rating: A++; Rates are APR; VPR is subject to change monthly Last Updated 10/15/2026 Rate History No change since Oct 15, 2026 · 8.25% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
HELOC - Non-Owner Occupied	-	-	8.75%
Details VPR: Quarterly; Credit Rating: A++; Rates are APR; VPR is subject to change monthly Last Updated 10/15/2026 Rate History No change since Oct 15, 2026 · 8.75% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
HELOC - Non-Owner Occupied	-	-	9.25%
Details VPR: 5 year; Credit Rating: A++; Rates are APR; VPR is subject to change monthly Last Updated 10/15/2026 Rate History No change since Oct 15, 2026 · 9.25% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
HELOC - Owner Occupied	-	-	10.25%
Details VPR: 15 year; Credit Rating: A++; Rates are APR; VPR is subject to change monthly Last Updated 10/15/2026 Rate History No change since Oct 15, 2026 · 10.25% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
HELOC - Non-Owner Occupied	-	-	11.25%
Details VPR: 15 year; Credit Rating: A++; Rates are APR; VPR is subject to change monthly Last Updated 10/15/2026 Rate History No change since Oct 15, 2026 · 11.25% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%

Puget Sound Refinery Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan	2.75%	-	2.75%
Details As Low As; Floor rate with payroll direct deposit requirement; ALL RATES ARE DETERMINED BY YOUR CREDIT SCORE From 2.75%-18.00%; 0.50% increase per year over 60 months; Loan amount tiers: Under $10,000 up to 48 months, Between $10,000 - $50,000 49 to 83 months, Over $50,000 84 to 96 months, Over $75,000 up to 120 months, Over $90,000 up to 144 months Last Updated 10/15/2026 Rate History No change since Oct 15, 2026 · 2.75% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
Auto Loan - New	5.00%	-	5.00%	60 months
Details Credit Rating: A++ / A+; Credit Score: 750+ / 720 - 749; Floor rate with payroll direct deposit; starts at 60 month term Last Updated 10/15/2026 Rate History No change since Oct 15, 2026 · 5.00% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
Auto Loan - New	5.25%	-	5.25%	60 months
Details Credit Rating: A; Credit Score: 700 - 719; Floor rate with payroll direct deposit; starts at 60 month term Last Updated 10/15/2026 Rate History No change since Oct 15, 2026 · 5.25% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
Auto Loan - Used	6.00%	-	6.00%	60 months
Details Credit Rating: A++ / A+; Credit Score: 750+ / 720 - 749; Floor rate with payroll direct deposit; starts at 60 month term Last Updated 10/15/2026 Rate History No change since Oct 15, 2026 · 6.00% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
Auto Loan - New	6.25%	-	6.25%	60 months
Details Credit Rating: B; Credit Score: 640 - 699; Floor rate with payroll direct deposit; starts at 60 month term Last Updated 10/15/2026 Rate History No change since Oct 15, 2026 · 6.25% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
Auto Loan - Used	6.25%	-	6.25%	60 months
Details Credit Rating: A; Credit Score: 700 - 719; Floor rate with payroll direct deposit; starts at 60 month term Last Updated 10/15/2026 Rate History No change since Oct 15, 2026 · 6.25% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
Auto Loan - Used	7.25%	-	7.25%	60 months
Details Credit Rating: B; Credit Score: 640 - 699; Floor rate with payroll direct deposit; starts at 60 month term Last Updated 10/15/2026 Rate History No change since Oct 15, 2026 · 7.25% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
Motorcycle/Boat/Rec Vehicle/Equip - New	7.25%	-	7.25%	60 months
Details Credit Rating: A++ / A+; Credit Score: 750+ / 720 - 749; Floor rate with payroll direct deposit; starts at 60 month term Last Updated 10/15/2026 Rate History No change since Oct 15, 2026 · 7.25% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
Motorcycle/Boat/Rec Vehicle/Equip - New	7.50%	-	7.50%	60 months
Details Credit Rating: A; Credit Score: 700 - 719; Floor rate with payroll direct deposit; starts at 60 month term Last Updated 10/15/2026 Rate History No change since Oct 15, 2026 · 7.50% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
Auto Loan - New	7.75%	-	7.75%	60 months
Details Credit Rating: C; Credit Score: 600 - 639; Floor rate with payroll direct deposit; starts at 60 month term Last Updated 10/15/2026 Rate History No change since Oct 15, 2026 · 7.75% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
Motorcycle/Boat/Rec Vehicle/Equip - New	8.25%	-	8.25%	60 months
Details Credit Rating: B; Credit Score: 640 - 699; Floor rate with payroll direct deposit; starts at 60 month term Last Updated 10/15/2026 Rate History No change since Oct 15, 2026 · 8.25% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
Motorcycle/Boat/Rec Vehicle/Equip - Used	8.25%	-	8.25%	60 months
Details Credit Rating: A++ / A+; Credit Score: 750+ / 720 - 749; Floor rate with payroll direct deposit; starts at 60 month term Last Updated 10/15/2026 Rate History No change since Oct 15, 2026 · 8.25% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
Motorcycle/Boat/Rec Vehicle/Equip - Used	8.50%	-	8.50%	60 months
Details Credit Rating: A; Credit Score: 700 - 719; Floor rate with payroll direct deposit; starts at 60 month term Last Updated 10/15/2026 Rate History No change since Oct 15, 2026 · 8.50% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
Auto Loan - Used	8.75%	-	8.75%	60 months
Details Credit Rating: C; Credit Score: 600 - 639; Floor rate with payroll direct deposit; starts at 60 month term Last Updated 10/15/2026 Rate History No change since Oct 15, 2026 · 8.75% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
Auto Loan - New	9.25%	-	9.25%	60 months
Details Credit Rating: D; Credit Score: 550 - 599; Floor rate with payroll direct deposit; starts at 60 month term; may require $500 MAAP fee or co-signer Last Updated 10/15/2026 Rate History No change since Oct 15, 2026 · 9.25% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
Motorcycle/Boat/Rec Vehicle/Equip - Used	9.25%	-	9.25%	60 months
Details Credit Rating: B; Credit Score: 640 - 699; Floor rate with payroll direct deposit; starts at 60 month term Last Updated 10/15/2026 Rate History No change since Oct 15, 2026 · 9.25% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
Motorcycle/Boat/Rec Vehicle/Equip - New	10.00%	-	10.00%	60 months
Details Credit Rating: C; Credit Score: 600 - 639; Floor rate with payroll direct deposit; starts at 60 month term Last Updated 10/15/2026 Rate History No change since Oct 15, 2026 · 10.00% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
Auto Loan - Used	10.25%	-	10.25%	60 months
Details Credit Rating: D; Credit Score: 550 - 599; Floor rate with payroll direct deposit; starts at 60 month term; may require $500 MAAP fee or co-signer Last Updated 10/15/2026 Rate History No change since Oct 15, 2026 · 10.25% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
Motorcycle/Boat/Rec Vehicle/Equip - Used	11.00%	-	11.00%	60 months
Details Credit Rating: C; Credit Score: 600 - 639; Floor rate with payroll direct deposit; starts at 60 month term Last Updated 10/15/2026 Rate History No change since Oct 15, 2026 · 11.00% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
Motorcycle/Boat/Rec Vehicle/Equip - New	11.50%	-	11.50%	60 months
Details Credit Rating: D; Credit Score: 550 - 599; Floor rate with payroll direct deposit; starts at 60 month term; may require $500 MAAP fee or co-signer Last Updated 10/15/2026 Rate History No change since Oct 15, 2026 · 11.50% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
Motorcycle/Boat/Rec Vehicle/Equip - Used	12.50%	-	12.50%	60 months
Details Credit Rating: D; Credit Score: 550 - 599; Floor rate with payroll direct deposit; starts at 60 month term; may require $500 MAAP fee or co-signer Last Updated 10/15/2026 Rate History No change since Oct 15, 2026 · 12.50% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%

Puget Sound Refinery Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Signature Loan	13.00%
Details As Low As; Credit Rating: A++; Loan amount up to $10,000.00; Floor rate with payroll direct deposit requirement; Starting at a 60-month term, increases 0.50% for each year added except A++ tier Last Updated 10/15/2026 Rate History No change since Sep 17, 2026 · 13.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
Signature Loan	13.50%
Details As Low As; Credit Rating: A+; Loan amount up to $10,000.00; Floor rate with payroll direct deposit requirement; Starting at a 60-month term, increases 0.50% for each year added except A++ tier Last Updated 10/15/2026 Rate History No change since Sep 17, 2026 · 13.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
Signature Loan	15.00%
Details As Low As; Credit Rating: A; Loan amount up to $7,000.00; Floor rate with payroll direct deposit requirement; Starting at a 60-month term, increases 0.50% for each year added except A++ tier Last Updated 10/15/2026 Rate History No change since Sep 17, 2026 · 15.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
Signature Loan	15.59%
Details As Low As; Credit Rating: B; Loan amount up to $4,000.00; Floor rate with payroll direct deposit requirement; Starting at a 60-month term, increases 0.50% for each year added except A++ tier Last Updated 10/15/2026 Rate History No change since Sep 17, 2026 · 15.59% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
Signature Loan	15.99%
Details As Low As; Credit Rating: C; Loan amount up to $3,000.00; Floor rate with payroll direct deposit requirement; Starting at a 60-month term, increases 0.50% for each year added except A++ tier Last Updated 10/15/2026 Rate History No change since Sep 17, 2026 · 15.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Puget Sound Refinery Federal Credit Union’s Texas Ratio rose from 0.00% in Q3 2023 to 7.48% 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 and its Health Grade from A+ to A. 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	$16M	7.48%	5.0	A
March 31, 2026	$17M	7.38%	5.0	A
December 31, 2025	$18M	7.10%	5.0	A
September 30, 2025	$18M	7.54%	5.0	A
June 30, 2025	$18M	8.12%	5.0	A
March 31, 2025	$17M	0.00%	5.0	A+
December 31, 2024	$17M	13.90%	5.0	A
September 30, 2024	$17M	12.40%	5.0	A
June 30, 2024	$17M	4.56%	5.0	A+
March 31, 2024	$17M	2.45%	5.0	A+
December 31, 2023	$16M	4.14%	5.0	A+
September 30, 2023	$16M	0.00%	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 Puget Sound Refinery 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 Puget Sound Refinery 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 Puget Sound Refinery Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Puget Sound Refinery Federal Credit Union

Website https://psrfcu.org

Address 12275 Bartholomew Rd, Anacortes, WA 98221

Phone 360-293-4862

Fax 360-588-1032

President Larry Miner

CEO Darene Follett

Full-Time Employees 2

Part-Time Employees 2

Branch Locations 2

ATM Locations 0

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (96/100)

Texas Ratio

7.48%

Return on Assets (ROA)

0.4796%

Return on Equity (ROE)

2.7393%

Non-Performing Loans Ratio (NPL)

2.29%

Total Assets

15,586,326

Total Amount of Shares and Deposits

12,742,045

Total Shares and Deposits < 1 Year

12,742,045

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

540,275

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

540,275

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

12,201,770

Total Interest Expense (Sum of items 6 8)

120,925

Share Certificates

Number of Accounts for Share Drafts

393

Number of Accounts for Regular Shares

1,406

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

74,757

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)

1,921,115

Total Liabilities

12,857,272

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Puget Sound Refinery 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.

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.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About Puget Sound Refinery Federal Credit Union

How many branches does Puget Sound Refinery Federal Credit Union operate?

Puget Sound Refinery 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 Puget Sound Refinery Federal Credit Union?

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

Does Puget Sound Refinery Federal Credit Union offer online and mobile banking?

Most modern institutions like Puget Sound Refinery 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://psrfcu.org.