At a glance
From its website, read 2 Nov 2026Pinal County Federal Credit Union is a credit union based in Casa Grande, Arizona. Its website describes auto loans, commercial real estate loans, equipment loans and 3 other loan types. Business loan rates stated on its site range from 9.9% to 15.9%. You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Toll-free | (800) 221-4179 source |
|---|---|
| Apply online | Page with the application link |
| Website | pinalcountyfcu.com |
| Office (official list) | 1000 East Florence Blvd., Casa Grande, AZ 85122 |
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Loans (general) | Rate stated, not as an APR: see their wording | Home Equity Loan As Low As 7.50% | source |
| Loans (general) | Rate stated, not as an APR: see their wording | As Low As 7.90% | source |
| Loans (general) | Rate stated, not as an APR: see their wording | Recreational Vehicles As Low As 8.00% | source |
| Auto / vehicle loans | Rate stated, not as an APR: see their wording | New and Used Auto As Low As 4.99% | source |
| Small-business loans | Rate: 9.9%–15.9% | Business Rewards VISA® 9.90% - 15.90% | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Credit union |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 9 Dec 2021 |
| RSSD ID | 340489 |
| Address | 1000 East Florence Blvd., Casa Grande, AZ 85122 Directions (Google Maps) |
| Website | pinalcountyfcu.com |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: medium. Loan amounts, service area and borrower eligibility were not stated on the pages fetched. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Auto / vehicle loans | — | Drive happier with a PCFCU auto loan. | source |
| Commercial real estate loans | — | Commercial - Real Estate | source |
| Equipment loans | — | Pinal County Federal Credit Union provides cash flow solutions in the form of lines of credit, and term loans for equipment. | source |
| Home mortgages | — | Whether you’re purchasing, refinancing or tapping into your home’s equity, we have personalized solutions just for you! | source |
| Personal / consumer loans | — | Signature Loan | source |
| Small-business loans | — | Business Term Loan - Non-Real Estate | source |
Loan sizes
No amounts stated on the pages we read.
Service area
Not stated on the pages we read.
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. Apply Online
source
Pages read (7)
- https://www.pinalcountyfcu.com/
- https://www.pinalcountyfcu.com/commercial-services/commercial-loans-
- https://www.pinalcountyfcu.com/commercial-services/commercial-credit-cards
- https://www.pinalcountyfcu.com/commercial-services/commercial-loans-/business-contact-request
- https://www.pinalcountyfcu.com/auto-loans
- https://www.pinalcountyfcu.com/home-loans
- https://www.pinalcountyfcu.com/personal-loans-
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - How do I become a member, and is there a fee or a minimum deposit?
Credit unions lend only to their members. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your auto loans and home mortgages?
Their website states a rate, but not as an APR. The APR includes fees, so it is the number to compare. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - Do you need collateral, a business plan or a minimum time in business?
Their website does not say what they require. - What documents will you need from me, and how long does a decision usually take?
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$900,000 in 1 award from the U.S. Treasury's CDFI Fund, 2024 (CDFI Program, Financial Assistance).
| Round year | Program | Amount |
|---|---|---|
| 2024 | CDFI Program, Financial Assistance | $900,000 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
NCUA, 30 Jun 2026On file with the NCUA as PINAL COUNTY (charter 9099). Source: NCUA 5300 Call Report quarterly data (public data) as of 30 Jun 2026, downloaded 3 Nov 2026: total assets, members and branch addresses.
| Total assets | $338.8 million (as of 30 Jun 2026) |
|---|---|
| Members | 28,878 (as of 30 Jun 2026) |
| Offices | 6 (as of 30 Jun 2026) |
Offices by state and county (6)
Arizona (6 offices)
- Pinal County (6): 1000 E Florence Blvd, Casa Grande 85122 (main office); 290 S Phelps Dr, Apache Junction 85120; 818 N Arizona Blvd, Coolidge 85128; 851 N Pinal Pkwy, Florence 85132; 44600 W Smith Enke Rd, Maricopa 85139; 31312 N. Gantzel Rd., San Tan Valley 85143
An office shows where the lender has a branch, not where it lends or whom it lends to. Credit unions serve members only; check who can join. For the ZIP-code search, credit-union offices are placed at the centre of their ZIP code (approximate).
What the regulator filing shows
NCUA 5300, 30 Jun 2026Figures from the 5300 Call Report filed by Pinal County Federal Credit Union (NCUA charter 9099, filed as “PINAL COUNTY”). Source: NCUA 5300 Call Report quarterly data (public data), cycle 30 Jun 2026; year-earlier figures from the 30 Jun 2025 cycle; downloaded 3 Nov 2026.
| Total loans and leases | $169.5 million, 8,795 loans (as of 30 Jun 2026) |
|---|---|
| Change over the year | Down 2.3% from $173.5 million on 30 Jun 2025 |
| Members | 28,878 (as of 30 Jun 2026); 28,030 (as of 30 Jun 2025) |
| Loans per member | $5,870 (total loans divided by members, 30 Jun 2026) |
| Total assets | $338.8 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| New vehicle loans | $29.4 million | 17.3% |
| Used vehicle loans | $52.7 million | 31.1% |
| First-lien home mortgages (1-4 family) | $22.2 million | 13.1% |
| Other real estate loans (junior liens, other) | $14.8 million | 8.7% |
| Commercial (business) loans | $31 million | 18.3% |
| Credit cards | $5.1 million | 3.0% |
| Other unsecured loans | $5.6 million | 3.3% |
| Leases and other secured loans | $8.7 million | 5.1% |
Balances are loans outstanding on the report date, not loans made during the year. A category with no balance does not mean the credit union never makes that kind of loan. Credit unions lend to members only; check who can join.
Home loans reported under HMDA (2025)
FFIEC HMDA data, 2025Pinal County Federal Credit Union reported 48 originated home loans for 2025 under the Home Mortgage Disclosure Act, totaling about $3.1M (median loan about $55,000).
By loan purpose
| Purpose | Loans | Share |
|---|---|---|
| Refinance (incl. cash-out) | 3 | 6.2% |
| Home improvement | 20 | 42% |
| Other purpose | 25 | 52% |
By loan type
| Loan type | Loans | Share |
|---|---|---|
| Conventional | 48 | 100% |
Where the loans were made
Counties with the most 2025 originations, out of 3 counties with at least one; 96% of its 2025 loans were for properties in Arizona:
- Pinal County, AZ (45)
Filed under LEI 549300CYXW7LD00YCQ70 as “PINAL COUNTY FEDERAL CREDIT UNION”; matched by its RSSD ID on the CDFI Fund list, which the HMDA reporter panel links to this LEI.
Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $338.8 million | Larger than 60% of the 5 other certified credit unions in Arizona (median $247.9 million). |
| Loans as a share of assets | 50% | Median of the same 5 credit unions: 58%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $173.5 million → $169.5 million (-2%) | Median change of 5 other certified credit unions in Arizona: +3%. Rank by loans held among these 6: 3 → 3. |
| Home loans originated in 2025 (HMDA) | 48 | More than 22% of the 263 other certified CDFIs that reported 3 or more (120 at the median). Volume only; nothing here is an approval rate. |
| Business loan rate its website stated (2 Nov 2026) | 9.90% to 15.90% | Prime rate that day: 7.00% (FRED DPRIME), so the lowest stated rate is 2.9 pts above prime. For an SBA 7(a) variable-rate loan the legal maximum is prime plus 3 to 6.5 points, by loan size. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified credit unions in Arizona | 5 | larger than 60% |
| Loans held then vs now | certified credit unions in Arizona reporting both dates | 5 | rank 3 → 3 of 6 |
| HMDA home loans | certified CDFIs with 3+ originations in 2025, nationwide | 263 | more than 22% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered; your rate depends on the loan and on the lender's review. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section). Home loans: FFIEC/CFPB HMDA data. Prime rate: FRED DPRIME.
Other certified CDFIs in Casa Grande and Arizona
- First American Credit UnionCredit union · Casa Grande, AZAuto / vehicle loans, Small-dollar / emergency loans, Home mortgages, Personal / consumer loansVerified
- Avenir Financial Federal Credit UnionCredit union · Yuma, AZAuto / vehicle loans, Commercial real estate loans, Equipment loans, Home mortgages…Verified
- Champions Funding, LLCLoan fund · Gilbert, AZHome mortgagesVerified
- Growth Partners ArizonaLoan fund · Tucson, AZNonprofit / community facility loans, Small-business loansVerified
- Hopi Credit AssociationLoan fund · Keams Canyon, AZ · Native CDFIHome repair / improvement loans, Microloans, Personal / consumer loans, Small-business loansVerified
- MariSol Federal Credit UnionCredit union · Phoenix, AZAuto / vehicle loans, Commercial real estate loans, Credit-builder loans, Equipment loans…Verified
Work at Pinal County Federal Credit Union? Link to this page
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