Pinal County Federal Credit Union is headquartered in Casa Grande and is the 17th largest credit union in the state of Arizona. It is also the 1,050th largest credit union in the nation. It was established in 1954 and as of March of 2025, it had grown to 86 employees and 27,747 members at 5 locations. Pinal County Federal Credit Union's CD rates are 4X the national average, and it has a B health rating.
Field of Membership Restrictions
Membership in Pinal County Federal Credit Union is open to those who live, work, worship, or attend school in Pinal County, Arizona.
See current membership details
Absolutely The Worst Banking Experience I’Ve Ever Had.
Pinal County Federal Credit Union makes it nearly impossible to access my own money thanks to their outdated systems and laughable policies. I have both personal and business accounts with them, and every time I swipe my debit card, it’s a gamble—will it work or will I get declined at the checkout line again? Spoiler alert: it’s usually declined. And it’s not because of suspicious purchases—it happens at Walmart, where I shop regularly. Their excuse? “Fraud protection.” Give me a break—I’ve had these accounts for years.
And let’s talk about Zelle. Most banks allow instant transfers without ridiculous limits. Not here. PCFCU created their own absurd rule of only allowing $200 at a time. My son was stranded out of state and I couldn’t even send him $100 without it being declined. Why? No one knows. And good luck getting answers—because unless your emergency happens during their cozy 9-to-5 banker hours, you’re completely out of luck.
Bottom line: if you actually want to use your money when and where you need it, run far away from this place. They don’t value their customers’ time, needs, or trust.
Do Not Used This Credit Union
Do not use this Credit Union:
I was a long time customer until I got let down in my hour of need, after being scammed on line. I used a PCFCU visa credit card to make a small on line purchase of vitamins. I received a message back from the vendor as "invalid credit card, please submit another card." I only have the one card, so I never completed this purchase. I received no confirmation of the sale. A few days later I found a $199.00 charge on my statement. Of course the vender is unknown. I only know the name of the collection company from California, who is also a fictious company.. I immediately called the 800 number on the back of the card to report the fraudulent charge.
After much back and forth with PCFCU, they paid the collection company. I tried to contact the collection company both by phone and on-line, no contact could be made. I was scammed and PCFCU would not intercede on my behalf. although Anthony of the Apache Junction Branch did the best he could, only to be over ruled by the mail office. The only advice the mail office could provide was to "contact the vender" even thought this is a fictitious entity I had been a customer for over 10 years with a monthly deposit of $4,400 and $130,000 in savings. My only recourse was to change banks and close the account. A total disappointment of rude treatment for a long time, loyal customer..
Data as of Q1 2025
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 9099 |
| Year Chartered | 1954 |
| Employees | 86 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 1.15% |
| Return on Equity - YTD | 22.63% |
| Annual Interest Income | $3.2MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2025vs Q1 2024 | $293.3MM$305.9MM |
| Loans | Q1 2025vs Q1 2024 | $181.9MM$200.3MM |
| Deposits | Q1 2025vs Q1 2024 | $259.3MM$262.5MM |
| Equity Capital | Q1 2025vs Q1 2024 | $14.7MM$11.1MM |
| Loan Loss Allowance | Q1 2025vs Q1 2024 | $2.1MM$2.1MM |
| Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $486K$639K |
| Real Estate Owned | Q1 2025vs Q1 2024 | $0$30K |