Routing: 275977858

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We pride ourselves in being your primary full-service credit union. With modern technology, it’s our goal to make it easier for you to do financial transactions from your home and on the go.

To better serve you, we offer our most popular forms and applications to you via our secure server. Apply online, anytime, when it’s convenient for you! Once you’ve submitted your application, you will receive a confirmation notice. Then watch for a response from a member of the PCMCU staff.

Vehicle/Recreational/Personal Loan
Mortgage/Home Equity Loan
Credit Card Application

Why Choose PCMCU For Your Loan?

Six unique reasons to ALWAYS choose us.

We are Your Trusted Local Partner

You’re in good hands, good company, and good care.

  • We answer our phones. We also email and text. Communicate with us however you wish.
  • Our staff wants to help you make the best decisions and always consider what’s in YOUR best interest.
  • Close your loan in-person or via e-sign the same or next day.
  • We will help you find a payment for your budget.
  • We have products to protect you and add value. Trust in us to help make these decisions.

We Look for Ways to Say YES!

PCMCU has no central underwriting.

  • Our loan officers can make decisions based on many factors, not just your credit score.
  • We have one rate package for all collateralized loans.
  • We have minimal rate tiers based on credit score.
  • We don’t determine your rate based on age of item; we look at value.
  • We will go out to 84 months on larger loans even on non-titled items.

We'll Coach You Through

We go above & beyond.

  • We are the best spot for first-time buyers who need guidance.
  • We have FREE GreenPath Financial Wellness resources.
  • We have a loan officer fluent in Spanish.
  • We won’t offer you something you do not need. Our staff will recognize what may be of value to you.

YES, We Do Financing for Private Party Sales

We will guide you through this tricky process.

  • Knowledgeable/trained staff will navigate you through this challenging process between seller and buyer.
  • We’ve placed emphasis on protecting our members from scams & to obtain successful title transfer.

Save by Paying Weekly or Bi-Weekly

Educating you about your options is key.

  • Pay off your loan early and save on interest by splitting your monthly payment into smaller amounts.
  • PCMCU accepts payments on your consumer loans daily if you want.
  • We will encourage you to set up automatic payments based on your payday structure.

We Put YOU First

We believe in our members.

  • We believe our members want to pay us on time.
  • Loyalty is created with relationships that are valued from both sides, a win-win.
  • If you are late, we’d like to know how we can help.
  • We don’t want to punish anyone for going through financial challenges.
  • Our no late fee benefit has been successful for our members so far.

Everyone who establishes a new account with PCM Credit Union must provide the following information prior to opening the account, without exception:

  • Name
  • Date of Birth – for an individual
  • Street Address – residence for an individual, physical location for a business
  • For a U.S. Person, a Taxpayer Identification Number (TIN) (social security number for an individual, Employer Identification Number (EIN) for a non-personal entity)
  • For a non-U.S. Person, one or more of the following: a TIN; passport number and country of issuance; alien identification card number; or number and country of issuance of any other government-issued document evidencing nationality or residence and bearing a photograph or similar safeguard.

Based on the type of business the customer conducts or the services requested, the Credit Union may require additional identifying information in its sole discretion.