• Interest rate as low as 12.25% APR and is a variable rate
  • This rate may change monthly. For more information, see our rate sheet.
  • No annual fee!


  • A PCFCU  Service Line is like a credit card but without the card. It is a line of credit
    Use it to cover overdrafts automatically,
  • select as an overdraft option
  • Easy access to cash
  • Transfer to your checking account and use from there or come into any branch for a cash advance.
  • Automatic payment options
    Entire balance payments
    Minimum amounts payments
    Custom amount payments
    Read more about credit card tips from the Federal Reserve.