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Check out all of our current Loan rates>>

Mortgage Loans

With Pinal County Federal Credit Union you get an easy, friendly home loan from the credit union you know and trust. Your life is complicated enough, your home loan doesn't have to be. Contact us today and see how one of our wide variety of mortgage loans can help you. (877) 474-4554. Apply for a Mortgage Loan.

We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.

Auto Loans

Have no Credit?
Buying your 1st car?

We have great rates, terms and easy payment options for First Time Buyers, call and talk to a loan officer today and see if we can help you.

Mechanical Breakdown Protections (MBP)

MBP provides protection against mechanical breakdowns beyond your existing manufacturers warranty.

Click here for quotes and more information

Guaranteed Asset Protection (GAP)

Covers the deficiency balance on the loan in the event of a total loss

Click here for quotes and more information

Payment Protection

Payment Protection Program is an agreement between you and your credit union that can cancel or reduce repayment of your loan debt if you die or become involuntarily unemployed or disabled.

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Loan Calculators

Consumer Loan Calculator

Credit Card Loan Calculator

Home Equity Calculator

Collateral Protection Insurance

Click on the link to get the answer to these questions

https://www.myinsuranceinfo.com

Frequently Asked Questions

  • How can I provide you with this information?
  • I have insurance; why did I get this notice?
  • What happens if I don't buy insurance?
  • What should I do if I don't have insurance?
  • Why do I need to provide my insurance information?

Click here for information on our Auto Loans

Home Equity Loan and Line of Credit

Click here for more information .

Line of Credit

If you don't have a Line of Credit, you might want to consider getting one.

A line of credit is always there, when ever you need it. It's pre-approved and you don't pay anything unless you use it.

When you use our Overdraft Advance Program, you are charged a fee for each overdraft item up to a limited amount. These balances must be paid back within 30 days of overdrawing the account.

30 days you would end up paying approximately $3.60 in interest versus a fee for each overdraft item. Wow what a difference!

We can set your Line of Credit up on payroll deduction, so the payment is automatically deducted when you use it.

And ask about getting your account set up with a Line of Credit today!

$300.00 example was based on an interest rate of 14.5% paid in 30 days

Must meet lending qualifications

Once approved, by calling Audio Access or using Net Branch, funds can be transferred immediately to your checking account.


Signature

Need extra cash for vacation, school expenses, or a bill consolidation? For whatever reason, apply for a signature loan today! Convenient payments made by payroll deduction or auto transfer.

Share Secured

Borrow against your own money at 3% above the dividend rate. The amount you borrow will be secured by your savings or certificate of deposit until the loan is paid off. Call for more information.

VISA Credit Card

If you don't have one of our cards, apply today!

Don't be lured into applying for a credit card with limited time offers of low introductory rates. These too-good-to-be true deals usually are just that!

With a Pinal County FCU VISA credit card, you are guaranteed no gimmicks and no fine print.
We always offer members great, money saving features along with several convenient payment options to choose from!

Online Account Information
Personalized Support
Several convenient payment options
Low fixed interest rates

Card Features

Platinum:
Travel Accident Insurance $1,000,000
Baggage Delay Benefit
Auto Rental Insurance
Credit Card Registration
Change of Address Service
Emergency Message Service
Year-End Summary of Charges

Classic
Travel Accident Insurance $100,000
Baggage Delay Benefit
Auto Rental Insurance

Click here for rates

Enroll in Verified by VISA today! www.visa.com/verified

Business Lending

At Pinal County Federal Credit Union, our Decision Makers are local!. We understand the Arizona market. PCFCU provides cash flow solutions in the form of lines of credit, and term loans for equipment.

Our Commercial Relationship Manager’s goal, is to understand your business, and the direction you are heading. Being proactive and working together, to achieve your business and personal goals are important to us.

For more information regarding our business lending services, please call our Commercial Relationship Manager at (520) 381-3137 or submit a request for contact at www.pinalcountyfcu.com.

 
The Right Solution For You...
Our credit union has a Managed Credit Program to help as many members as possible obtain credit. The way our Managed Credit Program works is that the rate a member pays will be determined by their credit history. We realize that some of our members have experienced some difficulty with their credit in the past and as a result, we or other lenders may have rejected their loan request forcing those members to pay extra ordinarily high rates elsewhere. Our goal is to help as many members as possible under our Managed Credit Program.

Members with good credit histories will receive our very best rates, some of the best rates offered by any lender.

Other members, who have had past credit problems, will be assigned rates consistent with their credit history. It is our goal that these rates will always be lower than they may be currently paying with other lenders.

Interest rates, terms, approvals based on individuals creditworthiness and guidelines of Pinal County Federal Credit Union.

We encourage all our members to call us regarding our Managed Credit Program. Our goal is to help you obtain credit and save money.

Click on the Loan Request tab and print the loan request two page form, fill out and fax it or bring it to one of our locations for review. One of our friendly loan officers will call you with the status of your loan request.

 

 
Business Loans PURPOSE
Quick Credit $5,000-$50,000 LOC A committed agreement to lend money up to a set limit for a specified period of time, during which the company may draw from and repay funds as needed. To supplement cash flow, take advantage of unexpected business opportunities, expand their business or to take advantage of trade discounts, expedite inventory purchases and manage cash flow effectively. We can also connect it to their Business Checking Account for Overdraft Protection.
Quick Credit $5,000-$50,000 Term Used to finance new and used equipment. Whether its for heavy equipment (ie; tractors, dump trucks, trailers) or office equipment (computers, office furniture, medical equipment)
Business Revolving- LOC A committed agreement to lend money up to a set limit for a specified period of time, during which the company may draw from and repay funds as needed. To supplement cash flow, take advantage of unexpected business opportunities, expand their business or to take advantage of trade discounts, expedite inventory purchases and manage cash flow effectively. We can also connect it to their Business Checking Account for Overdraft Protection.
Business Non-Revolving-LOC Similar to a revolving line of credit, however, the available credit limit is reduced each time a repayment is made. Allows a business to borrow only what it needs, when it needs it – matching the term of the debt to the business needs at hand.
Business Vehicle Loan-Used Commercial vehicles: pick-ups (over 3/4 ton), vans (ie: plumbing or electrical companies)
Business Vehicle Loan-New Commercial vehicles: pick-ups (over 3/4 ton), vans (ie: plumbing or electrical companies)
Business Term Loan - Non-Real Estate Used to finance new and used equipment or vehicles. Whether its for heavy equipment (ie; tractors, dump trucks, trailers) or office equipment (computers, office furniture, medical equipment)

 

*APR = Annual percentage rate. All lending offers are subject to credit approval. Actual rates may vary depending on term of loan, amount financed, age of vehicle and personal credit history. Rates quoted are subject to change. Some restrictions may apply. Equal Opportunity Lender.

Please contact a loan officer at 1-800-221-4179 for additional information.

 

Pinal County Federal Credit Union has no control of, nor any responsibility for, any information provided by a linked site or any link contained in a linked site or any changes to such sites.

 Routing Number: 322172111
(520)381-3100
1-800-221-4179
Email us
We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.
©2009 Pinal County Federal Credit Union