--- title: "Peninsula Credit Union Rates (Nov 2026): Mortgage 8.50%" description: "Peninsula Credit Union rates today: mortgage 8.50% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Peninsula Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/michigan/peninsula" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Peninsula Credit Union Rates (Nov 2026): Mortgage 8.50% ### Mortgage rates 16 offers | Product | Published | Rate | Term / condition | Status | | **15-Year Fixed** 15 year fixed | — APR | 6.500% | — | Standard | | **USED - 15 Yr Fixed** 15 year fixed | — APR | 8.750% | — | Standard | | **15-Year Fixed** 15 year fixed | — APR | 9.000% | — | Standard | | **10-Year Fixed** 10 year fixed | — APR | 6.250% | — | Standard | | **20-Year Fixed** 20 year fixed | — APR | 7.000% | — | Standard | | **USED - 10 Yr Fixed** 10 year fixed | — APR | 8.500% | — | Standard | | **10-Year Fixed** 10 year fixed | — APR | 8.750% | — | Standard | | **3 Year Balloon** other | — APR | 6.500% | — | Standard | | **5 Year Balloon** other | — APR | 6.750% | — | Standard | | **7 Year Balloon** other | — APR | 7.000% | — | Standard | | **USED - 5 Year Balloon - Up to 10 Yr** other | — APR | 8.000% | — | Standard | | **NEW - 5 Year Balloon - Up to 10 Yr** other | — APR | 8.000% | — | Standard | | **5 Year Fixed Rate** other | — APR | 8.250% | — | Standard | | **7 Year Fixed Rate** other | — APR | 8.500% | — | Standard | | **NEW - 5 Year Balloon - Up to 20 Yr** other | 8.500% APR | 8.500% | — | Standard | | **USED - 5 Year Balloon - Up to 20 Yr** other | 8.500% APR | 8.500% | — | Standard | Peninsula Credit Union mortgage rates as of November 12, 2026 ### Auto & vehicle rates 11 offers | Product | Published | Rate | Term / condition | Status | | **24-Month New Auto Loan** auto_new_24mo | — APR | 4.800% | 24 mo · new | Standard | | **36-Month New Auto Loan** auto_new_36mo | — APR | 4.900% | 36 mo · new | Standard | | **48-Month New Auto Loan** auto_new_48mo | — APR | 5.000% | 48 mo · new | Standard | | **24-Month Used Auto Loan** auto_used_24mo | — APR | 5.050% | 24 mo · used | Standard | | **60-Month New Auto Loan** auto_new_60mo | — APR | 5.100% | 60 mo · new | Standard | | **36-Month Used Auto Loan** auto_used_36mo | — APR | 5.150% | 36 mo · used | Standard | | **72-Month New Auto Loan** auto_new_72mo | — APR | 5.200% | 72 mo · new | Standard | | **48-Month Used Auto Loan** auto_used_48mo | — APR | 5.250% | 48 mo · used | Standard | | **84-Month New Auto Loan** auto_new_84mo | — APR | 5.300% | 84 mo · new | Standard | | **60-Month Used Auto Loan** auto_used_60mo | — APR | 5.350% | 60 mo · used | Standard | | **72-Month Used Auto Loan** auto_used_72mo | — APR | 5.450% | 72 mo · used | Standard | Peninsula Credit Union auto & vehicle rates as of November 12, 2026 ### Personal loan rates 10 offers | Product | Published | Rate | Term / condition | Status | | **Certificate-Secured Loan** personal_secured | — APR | 2.000% | — | Context only | | **36-Month Share-Secured Loan** personal_secured_36mo | — APR | 3.350% | 36 mo | Context only | | **12-Month Share-Secured Loan** personal_secured_12mo | 3.350% APR | 3.350% | 12 mo | Context only | | **60-Month Share-Secured Loan** personal_secured_60mo | — APR | 4.350% | 60 mo | Context only | | **Consumer Loans - 24 Months** personal_unsecured_24mo | — APR | 7.750% | 24 mo | Standard | | **Consumer Loans - 36 Months** personal_unsecured_36mo | — APR | 8.750% | 36 mo | Standard | | **Consumer Loans - 48 Months** personal_unsecured_48mo | — APR | 9.750% | 48 mo | Standard | | **Consumer Loans - 60 Months** personal_unsecured_60mo | — APR | 10.750% | 60 mo | Standard | | **One Payment Notes (Personal) - Secured** personal_secured | — APR | 12.900% | — | Standard | | **One Payment Notes (Personal) - Unsecured** personal_unsecured | — APR | 17.900% | — | Standard | Peninsula Credit Union personal loan rates as of November 12, 2026 As of November 12, 2026, Peninsula Credit Union offers mortgage rates from 8.5% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/michigan/peninsula) , verified from [Peninsula Credit Union's official website](https://www.peninsulafcu.com/) Loading branch locator… ## About Peninsula Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 17.8K Assets $358.8M Founded 1941 Locations reported 4 NCUA charter 4291 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - Credit-builder products Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Embers** Wells Branch · Wells · MI · 49894 About 2.6 miles away](https://rateapi.dev/credit-unions/michigan/embers) [**Great Lakes First** Escanaba office · Escanaba · MI · 49829-2333 About 3.4 miles away](https://rateapi.dev/credit-unions/michigan/great-lakes-first) [**U.p. State** Escanaba Office · Escanaba · MI · 49829-1339 About 3.4 miles away](https://rateapi.dev/credit-unions/michigan/up-state) [**Integra First** Powers Branch · Powers · MI · 49874-9793 About 19.4 miles away](https://rateapi.dev/credit-unions/michigan/integra-first) [**Northern Lights Community** Northern Lights Community FCU · Chatham · MI · 49816 About 36.5 miles away](https://rateapi.dev/credit-unions/michigan/northern-lights-community) [**Honor** Honor Credit Union · Gwinn · MI · 49841 About 38.3 miles away](https://rateapi.dev/credit-unions/michigan/honor) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Peninsula Credit Union Membership eligibility from Peninsula Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Peninsula Credit Union's website. Check the membership page below to confirm whether you qualify. - Location delta, menominee, houghton, alger, baraga, chippewa, dickinson, gogebic, iron, keweenaw, luce, mackinac, marquette, ontonagon, schoolcraft, ashland, florence, forest, marinette, oconto, vilas — MI, WI - Employer Peninsula Federal Credit Union Verified from [Peninsula Credit Union's membership page](https://www.peninsulafcu.com/membership) . Final membership determination is always made by the credit union. ## Membership rules for Peninsula Credit Union Geography 22 counties · Employers · Family 3 117 published paths to membership, last verified August 27, 2026, quoted from Peninsula Credit Union’s own published criteria. ### Geography 22 Auto-verified against the source page from the credit union’s published criteria and NCUA charter records · last verified August 27, 2026 - Alger County, MI - Ashland County, WI - Baraga County, MI - Chippewa County, MI - Delta County, MI - Dickinson County, MI - Florence County, WI - Forest County, WI - Gogebic County, MI - Houghton County, MI - Iron County, MI - Iron County, WI - Keweenaw County, MI - Luce County, MI - Mackinac County, MI - Marinette County, WI - Marquette County, MI - Menominee County, MI - Oconto County, WI - Ontonagon County, MI - Schoolcraft County, MI - Vilas County, WI “NCUA call report 2026-03-31: TOM_CODE=00 (community charter); branch footprint: Delta County, MI; Houghton County, MI; Menominee County, MI” > [source ↗](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) ### Employers 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Employee of Peninsula Federal Credit Union “Employees of this credit union.” > [source ↗](https://www.peninsulafcu.com/membership) - Employee of Peninsula Federal Credit Union ### Family 3 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Family of a member spouse “Spouses of persons who died while within the field of membership of this credit union.” > [source ↗](https://www.peninsulafcu.com/membership) - Family member (spouse) of a member - Family of a member immediate family, household member “Members of the immediate family or household.” > [source ↗](https://www.peninsulafcu.com/membership) - Family member (immediate family, household member) of a member - Family Of Deceased surviving spouse “Spouses of persons who died while within the field of membership of this credit union.” > [source ↗](https://www.peninsulafcu.com/membership) - Family member (surviving spouse) of a deceased eligible person Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Peninsula Credit Union? Yes No ## Work at Peninsula Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Peninsula Credit Union ranks against Michigan peers. - See which AI assistants fetched Peninsula Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Michigan - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=peninsula&state=michigan&code=MI&name=Peninsula%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Peninsula Credit Union offer? Peninsula Credit Union currently offers mortgage, Auto loan, and personal loan rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Peninsula Credit Union rates updated? RateAPI verifies Peninsula Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Peninsula Credit Union's rate data? Rate data is collected directly from Peninsula Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Peninsula Credit Union's mortgage rate? As of November 12, 2026, Peninsula Credit Union offers mortgage rates from 8.5% APR. ### Who can join Peninsula Credit Union? Peninsula Credit Union publishes its membership criteria on its own website. RateAPI tracks 117 published membership paths covering 22 counties and 1 employer for Peninsula Credit Union, each quoted from Peninsula Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Peninsula Credit Union's rates against national credit-union benchmarks. [More Michigan credit unions](https://rateapi.dev/credit-unions/michigan) [Michigan mortgage rate leaders](https://rateapi.dev/mortgage-rates/michigan) [Michigan auto loan rate leaders](https://rateapi.dev/auto-loan-rates/michigan) [Michigan personal loan leaders](https://rateapi.dev/personal-loan-rates/michigan) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.peninsulafcu.com/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Peninsula Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Michigan credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Peninsula Credit Union curl "https://api.rateapi.dev/credit-unions/michigan /peninsula " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Peninsula Credit Union locations Search, filter, and browse all 4 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/michigan/peninsula Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp