Overview / Commentary
2203 Cranberry Hwy
West Wareham, MA 02576-1210

PCT Federal Credit Union is headquartered in West Wareham and is the 74th largest credit union in the state of Massachusetts. It is also the 2,476th largest credit union in the nation. It was established in 1962 and as of September of 2018, it had grown to 10 employees and 3,848 members at 2 locations. PCT Federal Credit Union's CD rates are 2X the national average, and it has a B health rating.

Field of Membership Restrictions

Must be an employee of any school system in Plymouth County or several other companies. Also open to those who live, work, worship or attend school in the Town of Wareham.
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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. PCT Federal Credit Union has a low asset base.

Health Grade Components

NCUA #14850
Year Chartered1962
Primary Regulator
Profit Margin
Return on Assets - YTD0.12%
Return on Equity - YTD1.18%
Annual Interest Income$1.0MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$43.7MM$43.7MM
LoansQ3 2018vs Q3 2017$22.3MM$21.5MM
DepositsQ3 2018vs Q3 2017$38.8MM$39.0MM
Equity CapitalQ3 2018vs Q3 2017$4.4MM$4.3MM
Loan Loss AllowanceQ3 2018vs Q3 2017$98.00K$138.00K
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$70.00K$155.00K
Real Estate OwnedQ3 2018vs Q3 2017$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

PCT Federal Credit Union Savings Account Rates

0.30%$50-IRA Savings
0.10%$50-Savings Account
0.10%$50-Club Account

PCT Federal Credit Union Money Market Rates

0.75%*$50k*-Money Market Accounts
OTHER TIERS: 0.40% $2k - $20k | 0.45% $20k - $50k

PCT Federal Credit Union CD Rates

3.04%$500-60 Month CD
2.79%$500-48 Month CD
2.53%$500-36 Month CD
2.33%$500-24 Month CD
2.12%$500-18 Month CD
1.92%$500-12 Month CD
1.61%$500-6 Month CD

PCT Federal Credit Union IRA Rates

3.04%$500-60 Month IRA
2.79%$500-48 Month IRA
2.53%$500-36 Month IRA
2.33%$500-24 Month IRA
2.12%$500-18 Month IRA
1.92%$500-12 Month IRA
1.61%$500-6 Month IRA

PCT Federal Credit Union Locations
Branch Office2203 Cranberry HwyWest Wareham, MA 02576-1210
Branch Office7 Viking DrWareham, MA 02571

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