A Credit Union is a not for profit cooperative organized to provide financial services to its members. While a Credit Union may seem similar to a bank when comparing the product and service offerings, it is not all the same. A bank is owned by its stockholders and these stockholders run the organization so that the bank returns the largest amount of profit back to these stockholders. A Credit Union differs in that the owners (or stockholders) of a Credit Union are its members. So by joining a Credit Union you become an owner of the financial institution you do business with.
Determining the $250,000 insurance can become confusing when members have multiple accounts and ownership. You can visit webapps.ncua.gov/ins/ to calculate if your deposits are insured.
Making payments on your loan with PCU is easy! We offer a variety of payment options to let you choose a method that is convenient for you.
- Securely make a payment online by visiting pcu.checkrelay.com (Please be advised that there will be a $10.00 convenience fee for online payments.)
- Mail a payment to any of our branches and your payment will be processed upon receipt. Remember, don’t send cash through the mail.
- Make a payment in person by visiting any of our branches.
*You may also pay through your bank with its bill pay service. Set up a recurring payment and have your payments automatically deducted from your savings or checking account. You will need our routing number to set this up. PCU Routing Number: 263181423
PCU has 6 branches throughout the Central Florida area. The hours of operation vary depending on the location. Click here for a complete list of our locations and hours.
The login area is in the left hand menu on any page of our site. You can also login by clicking here.
Members with only a savings account will not receive a regular statement. If there is no activity on your account other than dividends, you will only receive a statement at year end. If there is activity on your account, you will receive a statement at month end.
Dormant accounts will be charged a fee of $5.00/month.
(An account is considered dormant if for one year no withdrawals or deposits, other than credited dividends, have been made to the account. A dormancy fee is charged against the primary share savings only if the share suffixes of the primary share account are dormant. Minor accounts, accounts with balances of $1,000 or more, or accounts with a CD, IRA, Visa, or Loan/Mortgage are not subject to the $5.00 dormant fee, however, the account is still flagged as dormant.)