NCUA Insured
Member-Owned
1 charter
Established in 1976
Contact this credit union directly for detailed information about membership eligibility and current rates.
Membership Eligibility
This credit union serves members from multiple groups — including occupational, associational, or community bonds. Contact them to confirm your eligibility.
Check eligibility on their website →NCUA Insured — deposits protected up to $250,000
Member-Owned — not-for-profit cooperative
1 charter
Established in 1976
Low-Income Designated
Contact this credit union directly for detailed information about membership eligibility, current rates, and services.
Services Offered
This credit union is located in Troy and serves members in the MI area. Currently serving 7,384 members.
Contact the credit union to confirm membership eligibility requirements for your area.
Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.
Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.
Source: NCUA Federally Insured Credit Unions list, Q4 2025.
Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.
New Auto Loan
4.00%Used Auto Loan
5.49%Personal Loan
7.15%Credit Card APR
7.90%Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.
Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.
Lowest rates currently reported by credit unions in MI (NCUA Q4 2025).
Wyandotte, MI
Onaway, MI
Detroit, MI
Niles, MI
Rates from NCUA regulatory filings. Contact credit unions directly for current rates.
4.2
31 Google reviews
Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.
View on Google MapsMartin talia
a year ago
I’ve had a great experience with [polish-american credit union]! The staff is always friendly, helpful, and knowledgeable. Whether it’s opening an account, applying for a loan, or just asking questions, they make everything simple and stress-free. I really appreciate the personal touch and how they actually take the time to get to know their members. Highly recommend if you’re looking for a local financial institution that truly cares!
Barbara Slominski
2 years ago
Easy to communicate with all of the officers/cashiers; all of them are very friendly and professional. They unswerving my questions or contact me with the manager if it’s necessary. Quick, professional, knowledgeable service. I’ve been a member of PAFCU for many years, always satisfied!
Shamil Kaka
3 years ago
I recently worked with Agnes to refinance my mortgage, and I couldn't be happier with the service she provided. Agnes was incredibly knowledgeable, patient, and dedicated to helping me find the best mortgage for my needs. Throughout the entire process, Agnes was always available to answer my questions and provide guidance. She went above and beyond to make sure that I understood all of the details and helped to make the process as smooth and stress-free as possible.Agnes's expertise and professionalism were evident from the very beginning, and I would highly recommend her to anyone in need of a mortgage or refinancing. Her attention to detail, excellent communication skills, and commitment to providing outstanding service make her an absolute pleasure to work with.Thank you, Agnes, for all of your hard work and for making my mortgage experience a positive one. You truly exceeded my expectations, and I am grateful for all that you have done!
D R
3 years ago
I have been with PAFCU since I was16 yrs old. I am now 68! I can call the office and actually talk to someone!! I have 2 car loans and a mortgage with PAFCU. Old fashion quality service and extremely efficient. ❤️❤️
Brandon Korfel
7 years ago
I have two loans through this bank, it will be the last. Horrible customer service. I can never get through on the phone, online login sucks. I wish I never opened a loan here. The very few times I can get someone on the line they tell me I have to come into the bank, which is difficult when you live 300 miles away. When when I get in the bank, no one seems to know what they are doing.
Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.
Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).
Phone
(248) 619-0440Website
Visit WebsiteMembers
7,384
Total Assets
$182.6M
Year Opened
1976
Net Worth
Well Capitalized
Designations
Official NCUA Data
All data sourced from the National Credit Union Administration (NCUA).
View NCUA Profile