Polish-american Federal Credit Union

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A short history of Polish-american FCU

Since its inception in 1976 the Polish-american Federal Credit Union has been serving its members in the TROY, Michigan area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by John Swidwinski, the Polish-american FCU has grown its membership to over 6,488 with assets of more than $114,874,511. They have a main office and 2 branch offices. Please see the credit unions website or contact them by phone at (248) 619-0440 or email them at board@pacfcu.com to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in TROY, MI.

General Information For Polish-american FCU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 22280
Address 2889 E MAPLE RD 
City TROY 
State Michigan 
Zip-Code 48083
Phone Number (248) 619-0440
Fax Number (248) 619-3230
Email Address: board@pacfcu.com
CEO/President John Swidwinski
Members 6,488 
Full-Time Employees 24 
Part-Time Employees
Number of Branch Offices
Total Assets 114,874,511 
Website http://www.mypafcu.com 

Compare Polish-american Federal Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Alliance Catholic CU Admin 26913 Northwestern Hwy 48033 (248) 663-4006 No 1.36
T&i CU T & I Credit Union 2135 W Maple Rd 48084 (248) 435-2574 No 1.94
The Local CU The Local Credit Union 39139 Mound Rd 48310 (586) 264-1212 No 3.85
Our CU 12 Mile Road Office 5625 E 12 Mile Rd 48073 (249) 549-3838 No 3.93
Extra CU Extra Credit Union 6611 Chicago Rd 48092 (586) 276-3000 No 4.56

Polish-american Federal Credit Union Financial Performance Charts

Performance Charts

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Financial Data

Polish-american Federal Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 7.90 2.99 3.99 3.50 4.00
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 85 145 202 72 100
Rank Among All Michigan Credit Unions 10 40 52 10 15

Polish-american Federal Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate 0.05 0.05 0.10 0.20 0.20
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions 125 143 134 318 271
Rank Among All Michigan Credit Unions 15 19 30 73 59
Polish-american Federal Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 7.9001,0041,768,478
All Other Unsecured Loans/Lines of Credit 7.900322447,560
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 6.00010286,953
New Vehicle Loans 2.99040495,352
Used Vehicle Loans 3.9903963,861,307
Total 1st Mortgage Real Estate Loans/Lines of Credit 3.50087266,572,605
Total Other Real Estate Loans/Lines of Credit 4.0001282,273,034
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 5.000921,199,057
TOTAL LOANS & LEASES 2,86476,904,346

Polish-american Federal Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 0000
    b. 15 Years or less 0000
    a. > 15 years 362,976,4814318,726
    b. 15 Years or less 0000
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 0000
Adjustable Rate > 1 yr 83663,596,1241087,144,965


Closed-End Fixed Rate 0000
Closed-End Adjustable Rate 12300,456254,000
Open-End Adjustable Rate 1161,972,57871652,909
Open-End Fixed Rate 0000
TOTALS 1,00068,845,6391858,170,600


Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 000
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Polish-american Federal Credit Union Member Offerings
First Time Homebuyer Program Yes
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards Yes
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit Yes
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing Yes
Money Orders Yes
No Surcharge ATMs Yes
Home Banking Via Internet Website Yes