Membership Benefits

Bank Locally, Live Simply.

At PCU, we offer all the products and services like the big guys, but with a focus on our members' best interests and helping the communities we serve.

Ready to join but unsure if you're eligible? Check our membership eligibility guidelines or keep scrolling to learn more about benefits!

Financial Tools

When you become a member, you'll have access to our full slate of online and mobile banking tools, plus 5,600+ Shared Branches and 30,000+ surcharge-free ATMs nationwide to help you manage your money whenever, wherever.

Stellar Service

Enjoy faster, more personalized service that's tailored to your financial needs when you bank locally with CCCU. You'll even get a complimentary consultation with a friendly, experienced Wealth Management advisor!

Competitive Rates

As a not-for-profit financial institution, we pass our earnings on to members in the form of lower loan rates and higher dividends on deposit accounts, like our always-popular Apex Checking Account.

Security

At PCU, your deposits are insured by the NCUA up to $250,000 per share owner for each account ownership category you have with the credit union. We are financially sound, and your assets are safe with us.

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Special Offers & Incentives

Get the most out of your PCU membership by taking advantage of these great offers.

Refer a Friend and You Both Get $25

Earn $25 just for sharing the PCU love! Refer a friend, family member, or coworker to us, and you'll both get $25 when they open their account and mention your name.³

³Incentives will be deposited into account within fourteen business days of account opening. Incentives received are subject to IRS 1099-INT reporting.

Membership eligibility required. All new accounts are subject to CCCU standard account membership terms and disclosures. We reserve the right to change or end this promotion at any time.

High-Interest Checking Account

Visit our Apex Checking page to learn how you could earn BIG just for having direct deposit!

Open a Youth Account and PCU Will Deposit $50 to Help Jumpstart Their Savings

Starting a Youth Savings Account at an early age can help your child (or grandchild) learn more about money management, saving for the future, and other areas of personal finance. Plus, we'll deposit the first $50 so they can start saving.⁴

STEP 1:
Call or email us to open the Youth Savings account. You'll need the child's personal information including their Social Security Number.

STEP 2:
As a joint owner on the account, you have the option to set up recurring deposits - and help them save. You could also visit the credit union each month to make a deposit together!

STEP 3:
Talk with them about money, using real-life examples from your own life. Once they turn 18, their account will convert into a Primary Savings Account.

⁴Account must be opened for a new member age 17 and under. $50.00 savings incentive will be deposited into account within fourteen business days of account opening. Incentives received are subject to IRS 1099-INT reporting.

Membership eligibility required. All new accounts are subject to CCCU standard account membership terms and disclosures. We reserve the right to change or end this promotion at any time.

Money Management Tools

Take control of your finances with help from CCCU.

At Your Fingertips

Stay on top of your finances, avoid a trip to the branch, and enjoy access to your accounts 24/7. Discover the many time-saving tips our secure mobile banking app offers.

Get The App

Free Credit Report

Downloading your credit report is easy and free with annualcreditreport.com. Once you download yours, meet with one of our Member Advisors for a credit report review.

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30,000+ ATMs

Use the CO-OP locator to find Shared Branches and surcharge-free ATMs worldwide. You're never far away from your money when you choose CCCU!

View Locations

Free Resources

Browse our free library of financial guides, blogs, and articles that feature time and money-saving tips, plus advice that can help you achieve your financial goals.

Resources

What our members are saying:

"Absolutely the best! Never go anywhere else!"

Jennifer S. Member Since 2020

"The customer service makes me want to transfer all of my banking here."

Gabrielle K. Member Since 2023

“Always great to see a familiar face and great service.”

Nina N. Member Since 2017

Frequently Asked Questions

What's the difference between a credit union and a bank?

Credit unions are member-owned financial institutions that have a not-for-profit structure. Banks are typically for-profit corporations that are owned by their investors. When you put money into a credit union, you're actually buying shares of that credit union, making you part owner. The fundamental differences between a credit union and a bank are price and service. Across the board, products and services at a credit union are a better value and the number of employees per member are always more favorable at a credit union versus a bank.

Can anyone join?

Explore our membership eligibility requirements.

Where are your locations?

Discover all of our branch locations, ATMs, and CO-OP Shared Branching locations.

Why bank locally?

If you've recently relocated, you may have heard that taking advantage of the benefits of a local credit union are enormous. Banking locally as well as taking advantage of amazing rates and in-town service are just the beginning of the benefits. Did we mention our high-interest Apex Checking Account and stellar customer service? When searching for a place to bank, borrow, and invest, look no further than PCU!

Your Credit Union. Your Benefits.