Premier One Prescott AZ Credit Union | Low Mortgage Rates & Auto Loans

Introduction

At Prescott Federal Credit Union, we believe in building strong relationships with our members and the community. Located at 500 N State Route 89, Prescott, AZ 86313, our credit union has been serving the people of Prescott since 1937. With a proud history spanning over eight decades, we have grown into a trusted financial partner for 1,217 members. Our commitment to your financial well-being is reflected in our robust offerings. We manage assets totaling $11,232,605, with total deposits reaching $2,408,902. Our diverse range of services includes personal banking solutions such as checking and savings accounts, auto loans, mortgages, and credit cards all designed to meet your unique financial needs. While you can visit us at our branch for personalized service, please note that official correspondence should be sent to our mailing address: PO Box 9051, Prescott, AZ 86313-5001. Under the leadership of our dedicated CEO, Anna May Corey, and Board President Eric Sanders, we strive to empower our members through education and support. Our small but passionate team of six employees is here to assist you from Monday through Friday, 9:30 AM to 5:00 PM. Join us at Prescott Federal Credit Union where your financial goals matter. Call us today at 928-445-7970 or visit our website at prescottfcu.org to learn more about how we can help you achieve your dreams!

Branch History & Mission

Welcome to Prescott Federal Credit Union, a cornerstone of financial support and community spirit in Prescott, AZ. Since our inception in 1937, we have dedicated ourselves to fostering a sense of belonging and trust among our members. With a rich history spanning over eight decades, we have grown alongside our community, adapting to meet the evolving needs of our members while maintaining the personal touch that sets us apart. Our branch is located at 500 N State Route 89, Prescott, AZ 86313. Nestled in a vibrant area near local landmarks, we are easily accessible for all your banking needs. For official correspondence, please use our mailing address: PO Box 9051, Prescott, AZ 86313-5001. As of now, we proudly serve over 1,200 members and manage total assets exceeding $11 million. Our mission is clear: to provide exceptional financial services while promoting economic growth within our community. We believe that every member deserves access to quality financial products tailored to their unique circumstances. Whether you're looking for checking and savings accounts, auto loans, or credit cards with rewards, we're here to help you achieve your financial goals. In addition to traditional banking services, we are committed to embracing technology that enhances your experience. Our online banking platform ensures you can manage your finances conveniently from anywhere. While we currently do not offer ATMs or drive-thru services, our lobby hours from Monday through Friday from 9:30 AM to 5:00 PM provide ample opportunity for personalized service. At Prescott Federal Credit Union, we strive to make a positive impact beyond just banking. Through partnerships and community outreach initiatives, we actively support local events and organizations that enrich the lives of those around us. Our commitment extends beyond transactions; it's about building relationships and contributing to the overall well-being of Prescott. Join us today and discover the benefits of being part of a credit union that truly cares about its members and community. Experience firsthand how Prescott Federal Credit Union can help you achieve your dreams while providing the support you deserve. Together, let's build a stronger future! For more information or to become a member, call us at 928-445-7970 or visit our website at prescottfcu.org.

Branch Location & Accessibility

Convenient Access and Amenities

At Prescott Federal Credit Union, we value your time and convenience. Our operating hours are designed with your schedule in mind: we're open Monday through Friday from 9:30 AM to 5:00 PM. Unfortunately, we currently do not offer ATM services or drive-thru banking; however, our friendly staff is always ready to assist you inside the branch. Parking is available right outside our entrance, ensuring that your visit is smooth and hassle-free. We also prioritize accessibility for all our members; our facilities comply with ADA standards so that everyone can comfortably reach us.

Services Tailored for You

As part of our commitment to serving you better, we offer a range of financial services including checking and savings accounts, auto loans, mortgage loans, personal loans, credit cards with rewards, and business banking options. Whether you're looking to manage your finances or need assistance with loans and credit cards, we're here to help every step of the way. Our knowledgeable team is eager to assist you with any questions or needs you may have. Feel free to give us a call at 928-445-7970 for more information or just drop by during our lobby hours! We invite you to experience the Prescott Federal Credit Union difference where community meets convenience. We look forward to welcoming you soon!

Member Eligibility

Becoming a member of Prescott is like joining a close-knit family where your financial well-being is our priority. If you're looking to enjoy personalized services and competitive rates, you'll be pleased to know that membership is open to individuals who live, work, or worship in the Prescott area. We welcome you to explore the benefits that come with being part of our community whether it's accessing low-interest loans or receiving tailored financial advice. To check out all the specific eligibility details and any updates, please visit us at . Getting started is simple! You can open an account online by visiting https://prescottfcu-dn.financial-net.com/web/enrollment/workflow/6e9821d7-145b-4e93-9706-dd214728c89e/home/recaptcha or give us a call at (928) 445-7970 for more information. Our friendly team at 500 N State Route 89 Prescott Az 86313 is eager to assist you in taking this important step towards better financial health. Join us today and experience the difference that comes from being part of Prescott!

Business Banking & Commercial Services

Merchant Services That Work

Imagine being able to process payments quickly and efficiently while keeping track of your sales effortlessly. Our merchant services are designed with your needs in mind, allowing you to focus on what you do best running your business. From credit card processing to online payment solutions, we ensure you have the tools necessary to thrive in today's competitive marketplace. Located at 500 N State Route 89 Prescott Az 86313, Prescott, AZ, we're here to help you navigate your financial journey. Reach out to us at (928) 445-7970 or visit our website at https://prescottfcu.org/ for more information on how we can assist your business today!

Tailored Commercial Loans

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Banking Services

If you're a business owner, we haven't forgotten about you! Our business banking services, including merchant services and business loans, are structured to support the growth and success of your venture. Whether you're just starting out or expanding an established business, we have the right tools to help.

Convenient Online and Mobile Banking

In today's busy world, convenience is key. With our robust online and mobile banking options, managing your finances has never been easier. You can check balances, transfer funds, pay bills, and more all from the comfort of your home or on the go. While we currently do not offer ATMs or drive-thru services at our branch, our digital platform ensures that you have easy access to all essential banking functions at any time.

Credit Cards and Rewards

We understand that every dollar counts. That's why we offer credit cards with rewards, allowing you to earn points on everyday purchases. These rewards can lead to exciting benefits like cash back or travel discounts, making it easier for you to get more from your spending.

Personal Banking Solutions

Whether you're opening your first checking account or looking for a high-yield savings option, our personal banking services are designed with you in mind. We offer checking and savings accounts that help you manage your money easily, ensuring you have access to funds whenever you need them. If you're considering purchasing a new vehicle, our auto loans and vehicle financing options can get you on the road with competitive rates and flexible terms. For those looking to buy a home or refinance an existing mortgage, our mortgage loans come with tailored solutions to help make the process smooth and straightforward. Additionally, if life throws unexpected expenses your way, our personal loans and debt consolidation services can assist you in managing those financial bumps.

Support When You Need It

Our team at Prescott is always ready to assist you through every step of your financial journey. Whether you have questions about setting up an account or need guidance on loan options, we're just a phone call away at (928) 445-7970. Ready to take the next step? Visit us today at 500 N State Route 89 Prescott Az 86313 or explore more about our offerings online at Prescott Federal Credit Union. We look forward to serving you!

Digital & Online Banking

Accessibility and Support

Our team is here to assist you with any questions or concerns regarding our digital services. Whether you're signing up for electronic signature authorization or navigating through your e-statements, we're committed to providing support every step of the way. Discover how easy it is to take control of your finances by visiting us online today at https://prescottfcu.org/ . At Prescott, we're dedicated to making banking simple and secure for all our members!

Features That Make Banking Easy

While we currently do not offer mobile payments or a dedicated mobile application, our online banking is available 24/7, allowing you to manage your finances at any time that suits you. Unfortunately, person-to-person transfers are also not available at this time. However, our user-friendly interface ensures that even if you're new to online banking, you'll find everything straightforward and accessible.

Key Services Offered

With our online banking platform, you can check your account balance, transfer funds, and pay bills all from the comfort of your home or on the go. We prioritize security, so you can bank with confidence knowing that your information is protected. Want to go paperless? We offer e-statements for those who prefer a digital approach to their financial records. This means less clutter in your mailbox and easier access to your statements anytime you need them.

Financial Strength

Growing Member Base

We have a strong and growing member base with 2,012 total share accounts, showing that more people trust Prescott with their finances. This community support enhances our ability to serve you effectively. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Prescott is your trusted partner. Visit us at 500 N State Route 89 Prescott Az 86313 or call 928-445-7970 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our $0 net income reflects our operational efficiency challenges but allows us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 4 full-time employees and 2 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable team.

Reinvesting in Member Services

With $1,011,463 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports your financial goals across various sectors with $3,512,087 in total loans and leases, including $95 in used auto loans.

Secure Savings Options

Members' savings are secured through $752,099 in share certificates, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Strong Financial Health

With a net worth of $1,011,463, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 900 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $1,646,587 in used vehicle loans and $538,940 in new vehicle loans already helping members get on the road. Whether you're considering a brand-new model or a reliable pre-owned vehicle, our flexible terms can make your dream of car ownership a reality.

Credit Lines

For those who need extra flexibility in managing their cash flow, we provide credit lines totaling $400,000. This option gives you quick access to funds when you need them most without the hassle of applying for a new loan each time. At Prescott, we're committed to supporting our community's financial well-being. If you're interested in refinancing or learning more about eligibility options for any of our loan products, feel free to reach out. You can contact us at 928-445-7970, and our dedicated team will be happy to guide you through your options. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Your journey towards better financial health starts here!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. While we currently do not have Junior Lien 1-4 Family Residential Properties loans available, our team is ready to assist you in exploring other potential avenues for financing your future home.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $291,119 in loans helping members manage their finances effectively. These cards come with competitive rates and no collateral required, making it easier for you to handle unexpected expenses or plan for larger purchases.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. With a focus on transparency and reliability, LendMesh helps users navigate the lending landscape with confidence. LendMesh ensures accurate loan comparisons by sourcing data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This commitment to verified data means users receive fair and transparent offers tailored to their needs. The benefits of using LendMesh are clear: - Verified Data: All loan offers come from legitimate financial institutions, ensuring transparency in every comparison. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions. The focus remains solely on providing unbiased results for users. - Real-Time Rate Comparisons: Users have access to up-to-date loan rates from multiple institutions, empowering them to make informed decisions quickly. Thousands of users trust LendMesh for their loan comparisons. One satisfied member shared, "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials highlight the real impact LendMesh has on its users' financial journeys. To take advantage of these features and compare real-time loan offers today, visit LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

PRESCOTT FEDERAL CREDIT UNION - Prescott, AZ