Overview / Commentary
2889 E Maple Rd
Troy, MI 48083

PAC Federal Credit Union is headquartered in Troy and is the 85th largest credit union in the state of Michigan. It is also the 1,453rd largest credit union in the nation. It was established in 1976 and as of December of 2018, it had grown to 22 employees and 6,751 members at 2 locations. PAC Federal Credit Union's money market rates are 14% higher than the national average, and it 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 - YTD1.18%
Return on Equity - YTD10.77%
Annual Interest Income$3.8MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$119.0MM$116.1MM
LoansQ4 2018vs Q4 2017$83.2MM$79.5MM
DepositsQ4 2018vs Q4 2017$105.6MM$104.2MM
Equity CapitalQ4 2018vs Q4 2017$13.0MM$11.6MM
Loan Loss AllowanceQ4 2018vs Q4 2017$356.00K$316.00K
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$403.00K$693.00K
Real Estate OwnedQ4 2018vs Q4 2017$0$0
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Always verify rates and promotions with the bank or credit union. We are not PAC Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* 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

0.50%*$100k*-Money Market Account
OTHER TIERS: 0.05% $1 - $2.5k | 0.15% $2.5k - $20k | 0.20% $20k - $50k | 0.35% $50k - $100k

PAC Federal Credit Union Checking Account Rates

3.03%-$7.5kPreferred Checking
0.05%--Regular Checking

PAC Federal Credit Union CD Rates

1.50%$500-5 Year Share Certificate
1.30%$500-4 Year Share Certificate
1.00%$500-2 Year Share Certificate
0.75%$500-1 Year Share Certificate
0.75%$500-3 Year Share Certificate
0.40%$500-6 Month Share Certificate
0.20%$500-3 Month Share Certificate

PAC Federal Credit Union IRA Rates

1.65%--5 Year IRA
1.35%--3 Year IRA
0.85%--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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