Frequently Asked Questions
What is Your Routing Number?
What is a Credit Union?
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.
Are My Funds Secured at PCU?
Determining the $250,000.00 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.
How Do I Make a Loan Payment?
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 MessagePay (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
What Are Your Hours?
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.
Where is the Login Area to Access Online Banking?
The login area is in the left hand menu on any page of our site. You can also login by clicking here.
Why Did I Not Receive a Statement?
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.
What Happens When My Account is Dormant?
Dormant accounts will be charged a fee of $10.00/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 $1,000.00 or more, or accounts with a CD, IRA, Visa, or Loan/Mortgage are not subject to the $10.00 dormant fee, however, the account is still flagged as dormant.)
What Are Your Terms and Conditions for Mobile Deposit?
Click here to review our Mobile Deposit Capture Terms and Conditions.
What Are Our Rates and Fees?
Please read our Truth in Savings Policy for information regarding our rates and fees.
View our current rates.
How Do I Access My Online Banking Account?
Please click on: Access My Online Banking Account
