Credit union · NCUA insured
Polish-American FCU
Top CarrotA $188.2M credit union headquartered in Troy, MI, with 7,404 members and 2 branches in Michigan. Best rates: CDs 4.00% and savings 1.00% APY.
Polish-American FCU Carrot Score
Carrot ScoreTop Carrot
Higher than 94% of U.S. banks and credit unions
#7 of 75 in Detroit, MI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Polish-American FCU
Polish-American Federal Credit Union is headquartered in Troy, Michigan, and has been serving members since 1976.
Originally starting in Hamtramck, Michigan, the credit union changed its name from Polish American Congress of Michigan Federal Credit Union following past mergers.
The member-owned cooperative focuses on serving the Polish-American community across the Metro Detroit area.
- Headquarters
- 2889 E Maple Rd, Troy, MI 48083
- NCUA charter
- 22280
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Members of the Foundation and Center of the 2nd Polish Corps at Orchard Lake Schools in Orchard Lake, Michigan qualifying under bylaws as of April 2, 1993 are eligible.
- Employees of All Star Amusement who work in Detroit, Michigan are eligible.
- Members of the American Polish Cultural Center in Troy, Michigan qualifying under bylaws as of April 2, 1993 are eligible.
- Members of the American Polish Engineering Association in Madison Heights, Michigan qualifying under bylaws as of May 26, 1993 are eligible.
- Members of American-Polish Century Club in Sterling Heights, MI qualifying under charter and bylaws as of 9/15/2009 are eligible.
- Employees of the credit union and persons retired as pensioners or annuitants from qualifying employment are eligible.
18 more ways to join
Employers and groups
- Members of Our Lady of Czestochowa Church in Sterling Heights, MI qualifying under charter and bylaws as of 7/27/2009 are eligible.
- Registered members and employees of St. Ladislaus Parish, St. Florian Parish, and Our Lady Queen of Apostles Parish in Hamtramck, Michigan are eligible.
- Natural person, dues-paying members of the Polish American Congress, Michigan Division, who qualify under bylaws as of February 3, 1976, and live in Michigan are eligible.
- Members of Polish Century Club of Detroit, Inc. in Troy, MI qualifying under charter and bylaws in effect on February 18, 1917 are eligible.
- Members of The Polish Mission are eligible.
- Members of the Polish Scouting Organization in Sterling Heights, Michigan qualifying under bylaws as of February 24, 1993 are eligible.
- Members of the Pope John Paul II Society, P.R.C.U.A. No. 1593, in Warren, Michigan qualifying under bylaws as of May 12, 1994 are eligible.
- Members of the National Polish-American Sports Hall of Fame in Troy, MI qualifying under charter and bylaws in effect on June 14, 1973 are eligible.
- Registered members of St. Linus Parish and St. Sabina Parish located in Dearborn Heights, Michigan are eligible.
- Members of White Eagle Sports Club in Troy, MI qualifying under charter and bylaws as of Nov. 19, 2009 are eligible.
Military, government and schools
- Employees of the City of Hamtramck who work in Hamtramck, Michigan are eligible.
- Employees of Hamtramck Public Schools who work in Hamtramck, Michigan are eligible.
Family and household
- Spouses of deceased members within the field of membership, members of immediate family or household, and organizations of qualifying persons are eligible.
Other ways
- Contributors to the Friends of the National Polish American Sports Hall of Fame are eligible.
- Individuals of Polish heritage or descent may qualify for membership at PAFCU.
- Members of the St. Andrew Parish Community Credit Union as of June 30, 1983 are eligible.
- Members of record of the St. Ladislaus Credit Union as of the effective date of merger are eligible.
- Members of record of the St. Linus Credit Union as of the effective date of merger are eligible.
Cost to join
- A $5 deposit in a savings account is required for membership.
Branches
2 branches in Michigan
Loading map…
Michigan
2 branches
- TroyMain office2889 E Maple Rd, Troy, MI 48083Directions
- Hamtramck11905 Joseph Campau St, Hamtramck, MI 48212Directions
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 | 12.79% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.37% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.27% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $76 | $76 | — |
- CapitalNet worth ratio12.79%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.37%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.27%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 Polish-American FCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.