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Pinellas Federal Credit Union Rates & Review October 2026

Pinellas 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.

MonitorBankRates Verified Healthy Badge Q2 2026 Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 98/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
3.96%
Excellent Lower than avg
Health Trend ?
Very strong 12 quarters
Full history ›
Pinellas Federal Credit Union
East Bay Main Office
350 E Bay Dr
Largo, FL 33770-3716
https://www.pinellasfcu.org
Member NCUA
Customer Reviews
Be the first to review
Write a Review
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

Product Rate APY Term View More
1 Year Certificate Accounts 3.94% 4.00% 1 Year
Min Balance $500
Details Balance: $500 & Up
Last Updated 10/09/2026
Rate History
No change since Oct 5, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 5, 2026: 4.00% APYOct 5, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
1 Year Individual Retirement Account (IRA) Certificate 3.70% 3.75% 1 Year
Min Balance $500
Details Balance: $500 & Up
Last Updated 10/09/2026
Rate History
No change since Oct 5, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 5, 2026: 3.75% APYOct 5, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
2 Year Certificate Accounts 3.70% 3.75% 2 Year
Min Balance $500
Details Balance: $500 & Up
Last Updated 10/09/2026
Rate History
No change since Oct 5, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 5, 2026: 3.75% APYOct 5, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
2 Year Individual Retirement Account (IRA) Certificate 3.46% 3.50% 2 Year
Min Balance $500
Details Balance: $500 & Up
Last Updated 10/09/2026
Rate History
No change since Oct 5, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 5, 2026: 3.50% APYOct 5, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
3 Year Certificate Accounts 3.46% 3.50% 3 Year
Min Balance $500
Details Balance: $500 & Up
Last Updated 10/09/2026
Rate History
No change since Oct 5, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 5, 2026: 3.50% APYOct 5, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
4 Year Certificate Accounts 3.46% 3.50% 4 Year
Min Balance $500
Details Balance: $500 & Up
Last Updated 10/09/2026
Rate History
No change since Oct 5, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 5, 2026: 3.50% APYOct 5, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
5 Year Certificate Accounts 3.46% 3.50% 5 Year
Min Balance $500
Details Balance: $500 & Up
Last Updated 10/09/2026
Rate History
No change since Oct 5, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 5, 2026: 3.50% APYOct 5, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
3 Year Individual Retirement Account (IRA) Certificate 3.21% 3.25% 3 Year
Min Balance $500
Details Balance: $500 & Up
Last Updated 10/09/2026
Rate History
No change since Oct 5, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 5, 2026: 3.25% APYOct 5, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
4 Year Individual Retirement Account (IRA) Certificate 3.21% 3.25% 4 Year
Min Balance $500
Details Balance: $500 & Up
Last Updated 10/09/2026
Rate History
No change since Oct 5, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 5, 2026: 3.25% APYOct 5, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
5 Year Individual Retirement Account (IRA) Certificate 3.21% 3.25% 5 Year
Min Balance $500
Details Balance: $500 & Up
Last Updated 10/09/2026
Rate History
No change since Oct 5, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 5, 2026: 3.25% APYOct 5, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
6 Month Certificate Accounts 3.21% 3.25% 6 Month
Min Balance $500
Details Balance: $500 & Up
Last Updated 10/09/2026
Rate History
No change since Oct 5, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 5, 2026: 3.25% APYOct 5, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%

Pinellas Federal Credit Union Savings Rates

Product Rate APY View More
Individual Retirement Account (IRA) Savings (Traditional and Roth) 0.20% 0.20%
Min Balance $200
Details Balance: $200 & Up
Last Updated 10/09/2026
Rate History
No change since Sep 21, 2026 · 0.20% APY · checked 5 times
0.00%0.35%0.70%Sep 21, 2026: 0.20% APYSep 21, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
EZ Saver 0.15% 0.15%
Min Balance $100,000
Details Balance: $100,000.00 & Up
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 6 times
0.00%0.33%0.65%Sep 14, 2026: 0.15% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
EZ Saver 0.10% 0.10%
Min Balance $350
Details Balance: $350.00 - $99,999.99
Last Updated 10/09/2026
Rate History
No change since Sep 21, 2026 · 0.10% APY · checked 5 times
0.00%0.30%0.60%Sep 21, 2026: 0.10% APYSep 21, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
Club Account Savings 0.07% 0.07%
Min Balance $200
Details Balance: $200 & Up
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.07% APY · checked 6 times
0.00%0.29%0.57%Sep 14, 2026: 0.07% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
EZ Saver 0.07% 0.07%
Min Balance $200
Details Balance: $200.00 - $349.99
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.07% APY · checked 6 times
0.00%0.29%0.57%Sep 14, 2026: 0.07% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
My Ca$h Account Savings 0.07% 0.07%
Min Balance $100
Details Balance: $100 & Up
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.07% APY · checked 6 times
0.00%0.29%0.57%Sep 14, 2026: 0.07% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
Regular Savings 0.05% 0.05%
Min Balance $200
Details Balance: $200 & Up
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%

Pinellas Federal Credit Union Money Market Rates

Product Rate APY View More
Money Market 1.242% 1.25%
Min Balance $100,000
Details Balance: $100K & Up
Last Updated 10/09/2026
Rate History
No change since Sep 21, 2026 · 1.25% APY · checked 5 times
0.75%1.25%1.75%Sep 21, 2026: 1.25% APYSep 21, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
Money Market 0.996% 1.00%
Min Balance $50,000
Details Balance: $50K - $99,999.99
Last Updated 10/09/2026
Rate History
No change since Sep 21, 2026 · 1.00% APY · checked 5 times
0.50%1.00%1.50%Sep 21, 2026: 1.00% APYSep 21, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
Money Market 0.60% 0.60%
Min Balance $25,000
Details Balance: $25K - $49,999.99
Last Updated 10/09/2026
Rate History
No change since Sep 21, 2026 · 0.60% APY · checked 5 times
0.10%0.60%1.10%Sep 21, 2026: 0.60% APYSep 21, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
Money Market 0.45% 0.45%
Min Balance $10,000
Details Balance: $10K - $24,999.99
Last Updated 10/09/2026
Rate History
No change since Sep 21, 2026 · 0.45% APY · checked 5 times
0.00%0.48%0.95%Sep 21, 2026: 0.45% APYSep 21, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
Money Market 0.35% 0.35%
Min Balance $2,500
Details Balance: $2,500.00 - $9,999.99
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.35% APY · checked 6 times
0.00%0.43%0.85%Sep 14, 2026: 0.35% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
Money Market 0.25% 0.25%
Min Balance $0
Details Balance: $0.00 - $2,499.99
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 6 times
0.00%0.38%0.75%Sep 14, 2026: 0.25% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%

Pinellas Federal Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity Fixed - - 7.00%
Details Fixed Rate. Rates subject to change without notice. Actual rate will be based on credit history and underwriting guidelines. Call 727.586.4422, stop by a branch or visit www.pinellasfcu.org for current rates.
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75%
6.25%6.88%7.50%Sep 14, 2026: 6.75% APRSep 17, 2026: 7.00% APRSep 14, 2026Oct 13, 2026
  • Sep 17, 20267.00%▲ from 6.75%
  • Sep 14, 20266.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
Home Equity Line of Credit - - 7.00%
Details Variable Rate. Rates subject to change without notice. Actual rate will be based on credit history and underwriting guidelines. Payment will not change if rate increases or decreases; approximate term of loan will adjust. Call 727.586.4422, stop by a branch or visit www.pinellasfcu.org for current rates.
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75%
6.25%6.88%7.50%Sep 14, 2026: 6.75% APRSep 17, 2026: 7.00% APRSep 14, 2026Oct 13, 2026
  • Sep 17, 20267.00%▲ from 6.75%
  • Sep 14, 20266.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%

Pinellas Federal Credit Union Auto Loan Rates

Product Rate Points APR Term View More
New & Used Autos - - 5.15%
Details As Low As; Fixed Rate. Rates subject to change without notice. Actual rate will be based on credit history and underwriting guidelines. Example: the monthly payment for a new vehicle loan of $15,000.00 and a 60-month term at 5.15% APR would be approximately $284.12. Call 727.586.4422, stop by a branch or visit www.pinellasfcu.org for current rates.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 5.15% APR · checked 8 times
4.65%5.15%5.65%Sep 14, 2026: 5.15% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%

Pinellas Federal Credit Union RV, Boat and Powersport Loan Rates

Product Rate APR Term View More
New & Used Motorcycles, Watercrafts, RVs/Travel Trailers Loan - 6.50%
Details Fixed Rate. Rates subject to change without notice. Actual rate will be based on credit history and underwriting guidelines. Example: the monthly payment for a new vehicle loan of $15,000.00 and a 60-month term at 5.15% APR would be approximately $284.12. Call 727.586.4422, stop by a branch or visit www.pinellasfcu.org for current rates.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 6.50% APR · checked 8 times
6.00%6.50%7.00%Sep 14, 2026: 6.50% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%

Pinellas Federal Credit Union Credit Card Rates

Product Rate APR View More
VISA Credit Card: Purchases - 11.50%
Details Intro rate expires: 12 months; Regular APR: 11.50% to 18.00%. APR is Annual Percentage Rate. APR for Visa Credit Card Purchases, Cash Advances and Balance Transfers ranges from 11.50% to 18.00% when you open your account, based on credit history and underwriting guidelines. The same qualifying rate applies to all three classes of transactions. You can avoid paying interest on Purchases, Cash Advances and Balance Transfers by paying your entire balance by the due date each month. We begin charging interest on Purchases, Cash Advances and Balance Transfers on the transaction date. Information and rates subject to change without notice. Other terms, fees and conditions may apply. Please see your Visa Account Agreement for additional information.
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 9.50% → 11.50% ▲ 2.00 pts · high 11.50% / low 9.50%
7.50%10.50%13.50%Sep 14, 2026: 9.50% APRSep 21, 2026: 11.50% APRSep 14, 2026Oct 13, 2026
  • Sep 21, 202611.50%▲ from 9.50%
  • Sep 14, 20269.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%

Pinellas Federal Credit Union Personal Loan Rates

Product APR Term View More
Personal Loans 9.74%
Details Fixed Rate. Rates subject to change without notice. Actual rate will be based on credit history and underwriting guidelines. Call 727.586.4422, stop by a branch or visit www.pinellasfcu.org for current rates.
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 9.24% → 9.74% ▲ 0.50 pts · high 9.74% / low 9.24%
8.74%9.49%10.24%Sep 14, 2026: 9.24% APRSep 17, 2026: 9.74% APRSep 14, 2026Oct 13, 2026
  • Sep 17, 20269.74%▲ from 9.24%
  • Sep 14, 20269.24%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%

Pinellas Federal Credit Union Other Rates

Product Rate Points APY/APR Term View More
Kasasa Cash Checking 4.889% - 5.00%
Min Balance $0
Details Qualifications Required: If Kasasa Cash Checking Monthly Requirements are Met.; Balances $0.01 - $15,000.00
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 5.00% APY · checked 6 times
4.50%5.00%5.50%Sep 14, 2026: 5.00% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
Kasasa Cash Checking 0.499% - 0.50%
Min Balance $15,000
Details Qualifications Required: If Kasasa Cash Checking Monthly Requirements are Met.; Balances $15,000.01 & Up
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 6 times
0.00%0.50%1.00%Sep 14, 2026: 0.50% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
Kasasa Saver Savings 1.982% - 2.00%
Min Balance $0
Details Qualifications Required: If Kasasa Saver Monthly Requirements are Met.; Balances $0.01 - $50,000.00; If Kasasa Saver Monthly Requirements are Met.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 6 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
Kasasa Saver Savings 0.995% - 1.00%
Min Balance $50,000
Details Qualifications Required: If Kasasa Saver Monthly Requirements are Met.; Balances $50,000.01 & Up; If Kasasa Saver Monthly Requirements are Met.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 6 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
Kasasa Saver Savings 0.05% - 0.05%
Min Balance $0
Details All Balances $0.01 & Up; If Kasasa Saver Monthly Requirements are NOT Met.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%

Financial Health History

Pinellas 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.

0% 1.0★ 1.3% 2.0★ 2.7% 3.0★ 4% 4.0★ 5.3% 5.0★ Healthy zone – entire history below the 15% limit 3.86% A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 A+ Q1 2026 3.96% A+ Q2 2026
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
Powered by MonitorBankRates

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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$170M3.96%5.0A+
March 31, 2026$172M3.52%5.0A+
December 31, 2025$172M2.26%5.0A+
September 30, 2025$171M2.08%5.0A+
June 30, 2025$176M2.75%5.0A+
March 31, 2025$175M2.58%5.0A+
December 31, 2024$174M3.06%5.0A+
September 30, 2024$170M2.35%5.0A+
June 30, 2024$167M3.41%5.0A+
March 31, 2024$168M2.67%5.0A+
December 31, 2023$168M2.80%5.0A+
September 30, 2023$172M3.86%5.0A+
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates 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
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

Financials

MonitorBankRates 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
MonitorBankRates Verified Healthy Badge Q2 2026
Q2 2026 MBR Health & Safety Badge

Pinellas Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/credit-unions/pinellas-federal-credit-union-rates-review-10880">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Pinellas Federal Credit Union yet. Feel free to create one below.
Average Rating
☆☆☆☆☆
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Frequently Asked Questions About Pinellas Federal Credit Union

How 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

  • 12-Month CD3.75%
  • 24-Month CD3.50%
  • 60-Month CD3.25%
  • Savings0.20%
  • MMA1.25%
Retrieved from our database of financial products. Rates subject to change.