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PAC Federal Credit Union

Popular Accounts at this Credit Union

0.20%Reward CheckingE-Checking PLUS
1.20%5-year CD5 Year Share Certificate
0.25%1-year CD1 Year Share Certificate

Overview / Commentary
2889 E Maple Rd
Troy, MI 48083

PAC Federal Credit Union is headquartered in Troy and is the 89th largest credit union in the state of Michigan. It is also the 1,459th largest credit union in the nation. It was established in 1976 and as of March of 2018, it had grown to 23 employees and 6,587 members at 2 locations. PAC Federal Credit Union has an A health rating.

Field of Membership Restrictions

Membership is open to members of several Polish-American organizations in Michigan.
See current membership details

Reviews (3)

Great Place To Bank And Loan With

Posted by: Anonymous | Oct 8, 2012

This credit union has great service and convenience I opened my account in spring of 2009, and been happy since. Thanks to them I have built a credit score and history with them. They gave me an auto loan which no one else would for that time and a credit card to give me chance to start my horrible credit score repair and things have went up drastically because of the chance they gave me.They also have great rates and very many fee free ATMs now since they took a chance on me then I can get things without very high rates and in my own name thanks PAC.

Credit Union U Should Try

When I use to bank a this credit union I really like the fact that I never waited a long time for service. Also the fees are pretty low and they give you a good interest on your checking.

Brak Poszanowania Klienta. Lack Of Respect For The Customer

Bezprawie ,nieinformowanie klientów o operacjach finansowych przeprowadzonych na ich wlasnych kontach.

Lawlessness, customers are unaware of the financial operations carried out on their own accounts.


Health Grade Components

NCUA #22280
Year Chartered1976
Primary Regulator
Profit Margin
Return on Assets - YTD0.95%
Return on Equity - YTD9.42%
Annual Interest Income$922.00K
Assets and Liabilities
AssetsQ1 2018vs Q1 2017$119.1MM$112.4MM
LoansQ1 2018vs Q1 2017$80.0MM$75.4MM
DepositsQ1 2018vs Q1 2017$106.9MM$101.3MM
Equity CapitalQ1 2018vs Q1 2017$11.8MM$10.8MM
Loan Loss AllowanceQ1 2018vs Q1 2017$318.00K$286.00K
Unbacked Noncurrent LoansQ1 2018vs Q1 2017$481.00K$406.00K
Real Estate OwnedQ1 2018vs Q1 2017$0$98.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

PAC Federal Credit Union Savings Account Rates

0.05%$25-Share Savings

PAC Federal Credit Union Money Market Rates

0.20%*$40k*-Money Market Account
OTHER TIERS: 0.05% Up to $2,500 | 0.10% $2,500 - $20k | 0.15% $20k - $40k

PAC Federal Credit Union Checking Account Rates

0.20%-$1kE-Checking PLUS - Qualifying
0.05%--Regular Checking

PAC Federal Credit Union CD Rates

1.20%$500-5 Year Share Certificate
1.00%$500-4 Year Share Certificate
0.75%$500-3 Year Share Certificate
0.50%$500-2 Year Share Certificate
0.25%$500-1 Year Share Certificate
0.20%$500-6 Month Share Certificate
0.15%$500-3 Month Share Certificate

PAC Federal Credit Union IRA Rates

1.25%--5 Year IRA
0.80%--3 Year IRA
0.35%--1 Year IRA
0.25%--1 Year Term IRA Adjusted Annually
0.20%--1 Year Term IRA Adjusted Quarterly

PAC Federal Credit Union Locations
Branch Office2889 E Maple RdTroy, MI 48083
Branch Office11905 Joseph Campau StHamtramck, MI 48212

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