Credit union · NCUA insured
Peninsula Credit Union
A $306.4M credit union headquartered in Shelton, WA, with 21,491 members and 5 branches in Washington. Best rates: CDs 3.65% and savings 0.35% APY.
Peninsula Credit Union Carrot Score
69
Carrot Score
Higher than 23% of U.S. banks and credit unions
#8 of 17 in Bremerton, WA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Peninsula Credit Union
Peninsula Community Federal Credit Union was established in 1935.
- Headquarters
- 521 W Railroad Ave, Shelton, WA 98584-3520
- NCUA charter
- 665
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, worships, or goes to school in Kitsap, Mason, Jefferson, Clallam or Grays Harbor counties.
Family and household
- Membership is open to family members of a current member.
Cost to join
- A minimum opening deposit of $5 is required to join.
Branches
5 branches in Washington
Loading map…
Washington
5 branches
Shelton area · 2
- Shelton Administrative Office and Branch LocationMain office521 W Railroad Ave, Shelton, WA 98584Directions
- Belfair Branch23550 NE State Route 3, Belfair, WA 98528Directions
Bremerton area · 2
- Port Orchard Branch1081 Bethel Ave, Port Orchard, WA 98366Directions
- Poulsbo Branch21505 Market Pl NW Ste 109, Poulsbo, WA 98370Directions
Port Townsend area · 1
- Port Townsend1250 W Sims Way, Port Townsend, WA 98368Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 11.74% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.06% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.76% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $76 | $76 | — |
- CapitalNet worth ratio11.74%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.06%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.76%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$76Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Peninsula Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.