Savings*

To Join the Credit Union:**
Complete the membership application and deposit $5.00 into a share savings account. (Please note: PCFCU services requires a minimum balance of $5.00. (the par value of a share) This establishes your share of ownership in the credit union. A government ID and your signature will be required when opening an account.

Holiday Club
Why add financial stress to your holidays? Open a Holiday Club Account. You’ll have all the money you need just in time to spend it!

• $5.00 opening deposit
• Begin earning dividends at $5.00
• Funds will transfer to share account mid-November
• $5.00 early withdrawal penalty
• Statements sent quarterly
• Dividends paid quarterly

Vacation Club
We offer a Vacation Club, to help you save for that long needed vacation you have earned! Start saving today so you can get away!

• $5.00 opening deposit
• Begin earning dividends at $5.00
• Can have 2 withdrawals per calendar year
• $5.00 withdrawal penalty if exceeds 2 free withdrawals
• Statements sent quarterly
• Dividends paid quarterly

My Club
This is your club account you designate to save for what ever it is you want! Save and you can get it!

• $5.00 opening deposit
• Begin earning dividends at $5.00
• Can withdrawal anytime during the year
• There is not a limit on the # of withdrawals
• Statements sent quarterly
• Dividends paid quarterly

Click here for Club rates

Checking

• No Minimum Balance
• No Service Charge
• Monthly Statements
• Night Depository
• Mail in Deposits
• Direct Deposits
• Payroll Deduction
• FREE ATM/Debit Card
• FREE Online Banking/Bill Payment
• Dividends paid on minimum balance of
• $500.00 or more-no dividends paid on balances less than $500.00
• Line of Credit Loans to qualified borrowers for over draft protection**

OVERDRAFT ADVANCE

Overdraft Advance can cover accidental overdrafts and spare you the extra expense and embarrassment of returned share drafts. You'll never pay for the privilege until you need it. Need help balancing your check book? Our staff is available to give you tips on how to manage your account.****

IRAs

The Traditional IRA
The Roth IRA
The Educational IRA

A great way for you to plan for your retirement with an IRA Account at the Credit Union. Some contributions may be tax deductible. This means that you can avoid paying tax on these earnings until retirement. Please consult a tax adviser on which type of IRA is best for your needs. Contact one of our IRA representatives for more details.(See Rates)

Money Market

Money Market Accounts are for members who want their savings to build by earning higher dividends.

• Low minimum balance of $2,500.00
• Dividends are paid quarterly and are adjusted according to current market conditions.
• Six free withdrawals during a calendar month 3 of which can be checks.
• Free starter pack of checks
• Must maintain $2,500.00 minimum balance to avoid $10.00 minimum balance fee.

Certificates of Deposit (CD’s)

Pinal County Federal Credit Union offers Certificates earning higher dividend rates than regular share accounts. (See rates for for more information)***

Now is the time to open a CD at Pinal County FCU!!

Minimum deposit $500.00
Dividends paid at maturity

Check out our great dividend rates

* Savings Pursuant to the USA Patriot Act Pinal County FCU will verify certain information as required by the Bank Secrecy Act. 31 CFR 103.121 (b) (5) (i) USA Patriot Act Regulations-To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

** You must meet the membership requirements including purchase and maintenance of the minimum required shares as set forth in the by laws. You authorize us to check your account, credit and employment history and obtain reports from third parties, including credit reporting agencies, to verify your eligibility for the accounts and services you request.

*** All deposit accounts are insured to $100,000 by the NCUA, a US government agency, at no cost to you! IRAs are insured to $250,000 by the NCUA at no cost to you.

**** Notice: A $25.00 fee may be charged for the payment of each overdraft item or Regulation D (exceeding 6 withdrawals in one month on savings/money market accounts). This fee may be charged for covering overdrafts created by check, in-person withdrawal, ATM withdrawal or other electronic means. All overdraft balances must be repaid within 30 days of overdrawing an account. The payment of overdrafts is discretionary and PCFCU reserves the right not to pay overdrafts. Examples of an account not in good standing are: A loan is more than 60 days past due, the account has exceeded its negative balance courtesy limit, or regular deposits are not being made.