Not a Member Yet? Stop in to our new branch, open a new account with us, get $5 opening deposit waived and enter to win a $500 shopping spree*!

Shopping Spree offer terms and conditions. Winner will be awarded $500 Visa gift card. This prize cannot be exchanged or returned for cash value. To be eligible to win you must be 18 years or older and a new member of PFCU.  New member must establish a Membership Savings at the Caledonia Branch located at 6451 Cherry Meadow Dr. SE, Caledonia, MI 49316. New member cannot have any existing accounts (primary or joint owner) within the last 12 months.  Account Opening Criteria: Primary Account holder must be 18 years or older and meet PFCU’s membership eligibility and qualification requirements, including opening a Membership Savings Account with a minimum balance of $5.

Rules: One winner will be selected on 02/03/2025. New member’s PFCU account needs to be open at time of drawing and in good standing.  Winner will be selected on a random basis. Winner must be a new PFCU member and account must be opened between 12/20/2024 and 02/02/2025. Winner will be notified via phone number or email address provided. If no response is received from notification in 7 days a new winner will be chosen. All participants will be awarded an equal opportunity to win. PFCU Employees are not eligible to enter. Federally Insured by the NCUA.

Open a Consumer or Business Checking Account and receive a $300 Bonus*!

Checking Accounts Feature:

• Free Debit Card
• No Minimum Balance 
• Access to surcharge-free ATMs at more than 30,000 CO-OP Network locations across the U.S.and Canada
• Free Online Banking and Mobile Banking 

Offer is available to individuals who never had a PFCU Checking Account. The new checking account must be opened during the promotional period (01/06/2025-03/31/2025) and remain open in order to receive the bonus. Account Opening Criteria: Primary account holder must be 18 years or older and meet PFCU’s membership eligibility and credit qualification requirements, including opening a Membership Savings Account with a minimum balance of $5 and a Checking Account. Cash Bonus Criteria: To receive the cash bonus, the new account must meet the following criteria within the first 30 days: 1. Establish access and use of PFCU Online Banking with E-Statements and 2. Establish Direct Deposit of at least $100 per month. 3. Must be open and cannot be delinquent (more than 30 days) at the time of bonus payment. The bonus will be deposited into the qualifying account within 10 business days in the month following the end of the first 30-day period if qualifications are met. Bonus amounts may be subject to applicable taxes and are the responsibility of the member. Bonus cannot be combined with any other account opening offer.

Vehicle Loan Refinance Special 

Rates as low as 4.75% APR*

• Simple interest means you pay interest only on the unpaid balance.
• Insurances provide peace of mind in the event of death or disability.
• Apply online or close your PFCU vehicle loan at the dealership with Direct Dealer Financing.
• No processing or closing fee.

Apply Online Loan Rates

*APR = Annual percentage Rate. Payment Example: $20,000 at 4.75% APR for 72 months = $320 per month. Rates subject to change. All loans are subject to approval. This offer is not valid on existing PFCU loans.  Rate may vary based on credit worthiness; term of loan and age of collateral. 

Minor Certificate Special 

$50 Minor Certificate Match*

When you open your certificate at the new Caledonia Office!

Set kids up for success with a savings from a young age. With a minor certificate, you can earn greater returns than a tradtional savings account. Purchase a minor certificate for your child, or members under age 18 can purchase certificates with terms of 60 months or until their 18th birthday, whichever occurs first. This means you can choose to take advantage of our 60-month certificate rate until the minor turns 18 years of age.

• Minimum issue of $250.
• Deposits of $25 or more can be added to the certificate at any time, so you can continue to build upon the investment and increase the returns over time. 
• You can set up automatic deposits to minor certificates.
• Minor certificates automatically mature on the minor's 18th birthday. 

Open a Certificate

*Minimum issue of $250. Open a Minor Certificate during the promotional period of 01/06/24 - 03/31/25 with the minimum required amount of $250.00 and PFCU will add $50 to the certificate. Minors under the age of 18 years may purchase a certificate with a term of 60 months or until their 18th birthday, whichever is less.  Deposits of $25 or more can be added to the certificate at any time. Only one per member certificate must be opened in the Caledonia Branch at 6451 Cherry Meadows Dr., Caledonia, MI 49316 in order to receive a promotional

PFCU RV Loans

Rates as low as 5.75% APR^*

• Get pre-approved online, at your local branch, or secure your financing at a Direct Dealer.
• Flexible refinancing options to put cash back in your pocket.
• Save money with no early pay-off penalty.

*APR =Annual Percentage Rate. 5.75% APR* on approved loans up to 120 months for A+ credit. Payment example: $20,000 at 5.75% APR* for 120 months = $220 per month. 5.99% APR* on approved loans up to 180 months for A+ credit. Payment example: $40,000 at 5.99% APR* for 180 months = $338 per month. Approval based on creditworthiness. Offer valid on loans opened between January 6, 2025 - January 31, 2025.

Certificate Special

10.00% APY^* for 12 months*

When you open your certificate at our new Caledonia Office!

Regular and IRA Certificates

• Minimum issue of $500.
• Members may withdraw dividend earned and paid with no penalty.
• Early withdrawal penalty will apply to all other withdrawals (2% of amount withdrawn).

Benefits of Certificates

• Earn interest while receiving a reliable return on your investment.
• Make more out of your money, instead of keeping it in a standard account.
• Prepare ready for important life events – from college and home buying to retirement.
• It's easy, all you have to do is open a Certificate and watch your money grow.

*Annual Percentage Yield (APY). Certificate term is 12 months, automatic renewal into 12-month certificate at maturity. $500 balance required, amount cannot exceed $1,000. The certificate is subject to penalty for early withdrawal. Subject to automatic renewal upon maturity. Refer to disclosure for renewal terms.  Only one per member certificate must be opened in the Caledonia Branch at 6451 Cherry Meadows Dr., Caledonia, MI 49316 in order to receive a promotional rate of APR 9.56%, APY 10.00% . Subject to change at any time.

The new Caledonia location will bring new technology including interactive teller machines (ITMs)!

What is an ITM?

Built with the standard functions of an ATM, an ITM features video chat that connects you to a live teller. The video teller can guide you through every step of your transaction and answer questions about your account. These are a very convienent way to access your account.

Benefits of interactive teller machines (ITMs):

• Flexibility: ITMs offer expanded hours for face-to-face service and are ideal for members who seek personalized service but don’t have the ability to visit in branch during normal business hours.

Drive-Thru ITM Hours:

Monday – Thursday: 8:00 am – 6:00 pm

Friday: 8:00 am – 7:00 pm

Saturday: 8:00 am – 1:00 pm

• More Tailored Transactions: ATMs are typically limited in dispensing preset cash denominations, often in increments of twenty. If you would like smaller change bills, ITM can provide cash in smaller increments.
• User Friendly: With an easy-to-use interface, most members will have little to no trouble using an ITM, even for the first time.
• Increased Security: In the event you lose your ATM or Debit Card, or don’t have it on you, you can be identified using your photo ID. Even if you don’t have your ID, we have other features in place to confirm your identity.
• Lower Fees: By visiting a foreign ATM, you are subject to additional fees imposed by that institution. A single withdrawal can cost up to $5 per transaction. In contrast, visiting a PFCU ITM will cost nothing for your transaction.
• Bill Variety: At almost all PFCU ITMs you have your choice of bill variety when cash is dispensed, so you can get the bill types you need.

Pro TIP: An ITM can also be used as a normal ATM, just insert your debit or ATM card. During non-business hours the ITM will function as an ATM only.