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Peninsula Federal Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/1/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/1/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/1/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.peninsulafcu.com
906-789-6400
2929 3rd Ave. North
Escanaba, MI 49829

Peninsula Federal Credit Union is headquartered in Escanaba and is the 58th largest credit union in the state of Michigan. It is also the 975th largest credit union in the nation. It was established in 1941 and as of March of 2025, it had grown to 69 employees and 15,697 members at 3 locations. Peninsula Federal Credit Union's money market rates are 7X the national average, and it has an A health rating.

Field of Membership Restrictions

Membership in Peninsula Federal Credit Union is open to those who live, work, worship, or attend school in, or businesses and other legal entities located in the Michigan counties of Alger, Baraga, Chippewa, Delta, Dickinson, Gogebic, Houghton, Iron, Keweenaw, Luce, Mackinac, Marquette, Menominee, Ontonagon, or Schoolcraft, or the Wisconsin counties of Ashland, Florence, Forest, Iron, Marinette, Oconto, or Vilas.
See current membership details

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Health
A

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #4291
Year Chartered1941
Employees69
Primary Regulator
Profit Margin
Return on Assets - YTD0.87%
Return on Equity - YTD10.19%
Annual Interest Income$4.8MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$334.2MM$316.1MM
LoansQ1 2025vs Q1 2024$265.1MM$247.3MM
DepositsQ1 2025vs Q1 2024$304.1MM$286.5MM
Equity CapitalQ1 2025vs Q1 2024$28.4MM$27.8MM
Loan Loss AllowanceQ1 2025vs Q1 2024$2.8MM$1.7MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$1.3MM$4.1MM
Real Estate OwnedQ1 2025vs Q1 2024$281K$248K
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/1/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/1/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/1/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Peninsula Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.25%$0-Coverdell IRA
0.30%$5-Share Account
0.15%$0-HSA Account

Peninsula Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.00%*$500k*-Money Market
OTHER TIERS: 0.30% → $0 - $10k | 1.50% → $10k - $25k | 2.00% → $25k - $50k | 2.75% → $50k - $500k

Peninsula Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%$0-Share Draft

Peninsula Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.80%$100-6 Month Youth CD
3.80%$1k-12 Month CD
3.80%$1k-6 Month CD
3.75%$400-4 Month CD
3.75%$1k-18 Month CD
3.70%$1k-24 Month CD
3.65%$1k-30 Month CD
3.60%$1k-36 Month CD
3.55%$1k-48 Month CD
3.55%$100-12 Month Youth Jump CD
3.55%$1k-12 Month Jump CD
3.50%$1k-60 Month CD
3.50%$1k-18 Month Jump CD
3.45%$1k-24 Month Jump CD
3.40%$1k-30 Month Jump CD
3.35%$1k-36 Month Jump CD
3.30%$1k-48 Month Jump CD
3.25%$1k-60 Month Jump CD
2.00%$25-Save 2 Win CD

Peninsula Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.80%$1k-12 Month IRA
3.80%$1k-6 Month IRA
3.75%$1k-18 Month IRA
3.75%$1k-4 Month IRA
3.70%$1k-24 Month IRA
3.65%$1k-30 Month IRA
3.60%$1k-36 Month IRA
3.55%$1k-48 Month IRA
3.50%$1k-60 Month IRA
2.25%$0-Traditional IRA
2.25%$0-Roth Conversion IRA
2.25%$0-Roth IRA
Locations


Peninsula Federal Credit Union Locations
Corporate Office2929 3rd Ave NEscanaba, MI 49829-4203
Branch Office3700 10th StMenominee, MI 49858-1511
Branch Office7126 Co 426 RdEscanaba, MI 49829

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