Business Details
50+ Years
experience
Emergency
services
Your Trusted Financial Partner in Largo, FL
Pinellas Federal Credit Union has been dedicated to delivering quality personalized financial services since 1956. As a member-owned, not-for-profit financial cooperative, we prioritize professionalism, integrity, and innovation to support our members' financial goals. Our commitment to community growth is reflected in initiatives like food drives, financial awards for first responders, and partnerships with local nonprofits. We offer competitive loan rates, lower fees, and convenient branch locations while maintaining a strong financial foundation with no history of risky subprime lending.Deposits are insured by the National Credit Union Administration (NCUA) up to $250,000, ensuring member confidence and security. Our team focuses on providing tailored financial solutions, including savings accounts, loans, credit cards, and retirement planning services. With branches in Largo, Palm Harbor, and St. Petersburg, Florida, we combine local expertise with nationwide reliability. Our mission emphasizes sound financial practices, member education, and continuous service improvement to meet evolving needs.
Services
Savings Accounts
Checking Accounts
Auto Loans
Home Equity Loans
Credit Cards
IRAs
Personal Loans
Online Banking
ATM Services
Financial Counseling
Details
- Year established: 1956
Highlights and features
- Member-owned cooperative returning profits through lower fees and better rates
- NCUA-insured deposits up to $250,000 for complete financial security
- Community-focused initiatives supporting local nonprofits and first responders
- Competitive loan rates and financial products tailored to life stages
- Three convenient Florida branch locations with personalized service
Associations and certifications
- National Credit Union Administration (NCUA)
Services
Savings Accounts
We offer multiple savings account options including club accounts, money market accounts, and IRAs. Our competitive interest rates help members grow their savings securely while maintaining easy access to funds. Special youth accounts encourage early financial education for younger members.
Auto Loans
Our auto loan programs include direct financing for new and used vehicles with GAP coverage options. Competitive rates and flexible terms help members purchase cars, trucks, or recreational vehicles through our partnership with AutoSMART dealerships.
Home Equity Loans
We provide home equity loans and HELOCs tailored to Tampa Bay area property owners. Our advisors help members leverage home value increases for home improvements, debt consolidation, or other financial needs with personalized repayment terms.
Credit Cards
Our redesigned VISA credit cards offer rewards programs and travel protection features. Members benefit from competitive rates, fraud protection, and Verified by VISA security for both online and in-person transactions.
Financial Counseling
Free financial guidance services help members at all life stages with budgeting, retirement planning, and debt management. Our certified advisors provide personalized strategies to improve financial health and achieve long-term goals.
Questions
Who can join Pinellas Federal Credit Union?
Membership is open to individuals who live, work, worship, or attend school in Pinellas County, Florida, or are immediate family members of existing members.
What loan options are available?
We offer auto loans, home equity loans, personal loans, credit cards, and specialized programs like holiday loans with competitive rates and flexible terms.
Are my deposits insured?
Yes, all deposits are federally insured by the NCUA up to $250,000. IRAs receive separate insurance coverage for the same amount.
Do you offer online banking services?
Yes, our online and mobile banking platforms allow 24/7 account access for bill payment, transfers, check ordering, and real-time transaction monitoring.
What community initiatives do you support?
We actively support local nonprofits through food drives, sponsorships, and financial awards for first responders, while our staff participates in community board service.
Reviews (6)
Cassidy Fritts
Nov 01, 2021
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Julie was so nice to work with and got back to me super fast with any questions or updates I had. She made my loan process stress free and fast. I will be using this credit union from now on!
Morgan Puyear
Sep 12, 2021
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What a pleasure it is to come to your Clearwater branch and have Amy Hocking and the whole team greet me. I have a car loan and a credit card with Pinellas Federal Credit Union and not being computer savvy Amy's Hocking is always willing and able to assist me with my needs. I feel that it is very important to single people out who provide world class customer service. I'm glad that I chose Pinellas Federal Credit Union and that they chose me.
Peter Nyiri
Jun 30, 2021
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I used their drive through ATM, where you can also deposit money for other credit unions also. It was smooth and it is open 24/7.
B. K.
Jan 12, 2021
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Me and my Family are long time CU Members and speaking for myself, Ive NEVER had any issues nor have I ever dealt with anyone at the CU I havent liked! All of their employees are very easy to deal with and very professional and friendly! Im about to get my 10th Auto loan....and wont go with anyone else!
Ryan Heath
Oct 15, 2019
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I'm not even a member of this credit Union and an employee who works in a Dept that literally gets threatened, went out of her way to contact me and help me with a problem that saved me big time, despite the fact that she shouldn't let her location be known for her safety. The credit union staff were all very helpful and I was blown away by the service they gave me when it gave them no benefit and was a pain I'm sure. Thanks PCFCU / CAR-1554!
Melissa Mari
Aug 25, 2019
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It is actually hard to write a negative review for PFCU. I have been a member for over 20 years. I was able to get great rates on two car notes over the years, and decided to hold on to membership even though I just hold a savings and IRA now with them.
However, I find the customer service just continues to worsen the last few years. As an example, I applied for a loan early this month, had no confirmation of loan, then when I did inquire was told someone would get back. When that didn't happen, the response was, "Dear Member, I do not know why no one responded." It's sad because I believe it
However, I find the customer service just continues to worsen the last few years. As an example, I applied for a loan early this month, had no confirmation of loan, then when I did inquire was told someone would get back. When that didn't happen, the response was, "Dear Member, I do not know why no one responded." It's sad because I believe it
