• No additional fees on cash advances
  • Interest rate of 13.75% APR is a variable rate
    • This rate may change. For more information, see our rate sheet.
  • No annual fee!


    • A PCFCU credit card and debit card

      No additional charges of interest on purchases when the entire balance is paid on time.

  • Easy access to cash advances
    • Use it for purchases or bring your card into a branch for a cash advance. locations.
  • Automatic payment options
    • Entire balance payments
    • Minimum amounts payments
    • Custom amount payments
  • Monthly statements that are easy to understand for accurate record keeping.

Read more about credit card tips from the Federal Reserve.

Military Lending Act Disclosure, click play to listen:

Activate Your Card

Card Activation/Pin Selection: Follow the instructions on your card and/or call: 844-845-9167.

When you activate your new card, you need to call from the primary phone number we have in your file (this is for security purposes). You will then be asked to verify the last four digits of the primary member SSN.

**You will only be prompted to select a PIN on your initial activation of a new card.
** If you already have a PIN you will not be asked to select a PIN, your current PIN is still your PIN.

Pin Change: If you would like to change your current PIN, you can do so by calling the numbers below. You will need your current PIN to change it. If you have forgotten your PIN and want to change it, call PCFCU directly at 541-343-6238 (800-477-3328). Once you have you current PIN call:

  • Pin Change = 844-845-9167

Report a Lost or Stolen Card

During Business hours call: 541-343-6238 or 800-477-3328
After Hours: In the U.S.: 844-845-9167
International: 301-837-8406

After reporting your card lost or stolen through this email, you’ll need to contact us as well, before a new card can be ordered.

Visa Secure (formerly Verified by Visa)

Click here for Frequently Asked Questions, now answered.

Traveling?  Call Us Before You Go!

Planning on using your credit card(s) during travel? Call us before you go to your destinations! A quick call informs us that your card will be used outside its normal use area. We have card protection in place to ensure fraudsters don’t gain access to your credit cards via scams and begin using your cards.