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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
Pinellas Federal Credit Union Rates & Review October 2026Pinellas Federal Credit Union's top rates as of October 9, 2026 are 4.00% APY on its 1 Year CD Accounts, 0.20% APY on savings, 1.25% APY on money market accounts, personal loans from 9.74% APR, and credit cards from 11.50% APR, according to rates verified by MonitorBankRates. Other Pinellas Federal Credit Union CD rates include 1 Year Individual Retirement Account (IRA) CD at 3.75%, 2 Year CD Accounts at 3.75%, and 2 Year Individual Retirement Account (IRA) CD at 3.50%. 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 3.96%. Rates last updated and verified on 10/09/2026. 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
East Bay Main Office 350 E Bay Dr
https://www.pinellasfcu.org Largo, FL 33770-3716 Customer Reviews
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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. 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 stayed near 3.86% in Q3 2023 to 3.96% in Q2 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
350 E Bay Dr,
Largo, FL 33770-3716
Phone
727-586-4422
Fax
President
Peggy O'Shea
CEO
Sherry Belcher
Full-Time Employees
23
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
3.96%
Return on Assets (ROA)
0.2856%
Return on Equity (ROE)
2.1778%
Non-Performing Loans Ratio (NPL)
0.92%
Total Assets
170,370,286
Total Amount of Shares and Deposits
147,344,046
Total Shares and Deposits < 1 Year
139,992,845
Total Shares and Deposits 1 3 Years
5,970,836
Total Shares and Deposits > 3 Years
1,380,365
Total Insured Shares and Deposits > $250K (item 17 less item K)
147,344,046
Total Interest Expense (Sum of items 6 8)
751,567
Share Certificates
1,198
Number of Accounts for Share Drafts
5,157
IRA KEOGH Accounts
467
Number of Accounts for Regular Shares
9,400
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)
12,718,055
Total Liabilities
148,212,355
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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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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