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 Pinellas Federal Credit Union Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: September 21, 2026
Pinellas Federal Credit Union's 1 Year CD Account rates are at 4.00%, 2 Year CD Account rates are at 3.75%, Individual Retirement Account (IRA) CDs - 1 Year rates are at 3.75%, 3 Year CD Account rates are at 3.50%, 4 Year CD Account rates are at 3.50%. Pinellas Federal Credit Union's savings rates are at 0.05%. Pinellas Federal Credit Union's money market rates are at 0.25%. Pinellas Federal Credit Union's Personal Loan Rates are as low as 9.74%. Pinellas Federal Credit Union's Credit Card Rates are at 11.50%. MonitorBankRates evaluates the financial stability of Pinellas Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.52%. Rates last updated and verified on 09/21/2026. Pinellas Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Pinellas Federal Credit Union? Share your experience about Pinellas Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Pinellas Federal Credit Union. Pinellas Federal Credit Union
North County 30645 US Highway 19 N Unit 11
https://www.pinellasfcu.org Palm Harbor, FL 34684-4410 
Pinellas Federal Credit Union CD Rates
Pinellas Federal Credit Union Savings Rates
Pinellas Federal Credit Union Money Market Rates
Pinellas Federal Credit Union Home Equity & HELOC
Pinellas Federal Credit Union Auto Loan Rates
Pinellas Federal Credit Union RV, Boat and Powersport Loan Rates
Pinellas Federal Credit Union Credit Card Rates
Pinellas Federal Credit Union Personal Loan Rates
Pinellas Federal Credit Union Other Rates
Financial Health HistoryPinellas Federal Credit Union’s Texas Ratio rose from 1.97% in Q2 2023 to 3.52% in Q1 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Pinellas Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Pinellas Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Pinellas Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Pinellas Federal Credit Union
Website
https://www.pinellasfcu.org
Address
30645 US Highway 19 N Unit 11,
Palm Harbor, FL 34684-4410
Phone
727-586-4422
Fax
President
Peggy O'Shea
CEO
Sherry Belcher
Full-Time Employees
24
Part-Time Employees
0
Branch Locations
3
ATM Locations
11
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
3.52%
Return on Assets (ROA)
0.1574%
Return on Equity (ROE)
1.2270%
Non-Performing Loans Ratio (NPL)
0.79%
Total Assets
172,491,723
Total Amount of Shares and Deposits
149,745,836
Total Shares and Deposits < 1 Year
143,233,307
Total Shares and Deposits 1 3 Years
5,374,639
Total Shares and Deposits > 3 Years
1,137,890
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
6,744,555
Total Uninsured Shares and Deposits > $250K (F+J)
6,744,555
Total Insured Shares and Deposits > $250K (item 17 less item K)
143,001,281
Total Interest Expense (Sum of items 6 8)
387,965
Share Certificates
1,233
Number of Accounts for Share Drafts
5,199
IRA KEOGH Accounts
480
Number of Accounts for Regular Shares
9,553
All other shares
5
Money Market Shares
67
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
12,140,699
Total Liabilities
150,548,849
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for Pinellas Federal Credit Union yet. Feel free to create one below.
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Add Your Rating and Review for Pinellas Federal Credit Union
Frequently Asked Questions About Pinellas Federal Credit UnionHow many branches does Pinellas Federal Credit Union operate?Pinellas Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Pinellas Federal Credit Union?Yes, to access services at Pinellas Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Pinellas Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Pinellas Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Pinellas Federal Credit Union offer online and mobile banking?Most modern institutions like Pinellas Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.pinellasfcu.org. Current Pinellas Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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