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Routing & Transit # 272484056


Account Information

PFCU is pleased to offer two different checking accounts that are the best around! Learn more about our Checking and Checking Plus products

You will need to provide our routing and transit number to your employer (272484056) and your account number. You can locate your account number through your PFCU Online Banking or Mobile App.

  • Sign in* to your PFCU account using your web browser or Mobile App
  • Select the account you would like information for
  • Select ‘Details & Settings’ Tab displayed below your 'Current Balance'
  • Your 14 digit account number is displayed under ‘Account Number/Direct Deposit Number’

*If you are a new user to PFCU Online Banking click here and select 'new user setup' under the Login Box to get started

Learn all of the steps needed for sending and receiving a wire transfer.  

Interest rates are always changing. Verify our latest rates.

You can get started online here, or come in! You will need your current state ID with the correct information. There is a one-time one dollar membership fee and you must keep five dollars in your savings to keep the account open.

All PFCU accounts must have a savings attached to it, however you can keep just the minimum balance of five dollars in that savings.

PFCU Operations

Our ABA or Routing & Transit Number: 272 484 056

You can locate your account number through your PFCU Online Banking or Mobile App

  • Sign in* to your PFCU account using your web browser or Mobile App
  • Select the account you would like information for
  • Select ‘Details & Settings’ Tab displayed below your 'Current Balance'
  • Your 14 digit account number is displayed as ‘Account Number/Direct Deposit Number’

*If you are a new user to PFCU Online Banking click here and select 'new user setup' under the Login Box to get started

You should notify PFCU if your address changes by submitting a secure form, using our live chat support, calling 844-517-3611 or by visiting any of our branch locations.

You should ONLY change your address through the official USPS website. You should not change your address with the help of a third party. 

Contact Center Hours:

  • Monday - Friday 8:00 a.m. - 6:00 p.m.
  • Saturday 8:00 a.m. - 1:00 p.m.

Branch Hours:

  • Monday - Thursday 9:00 a.m. - 5:00 p.m.
  • Friday 9:00 a.m. - 5:30 p.m.
  • Saturday 9:00 a.m. - 12:00 p.m.
  • Caledonia office: closed on Wednesdays
  • Lowell office: closed on Saturdays
  • Westphalia office: closed on Saturdays
  • Swartz Creek office: closed on Saturdays
  • Van Slyke office: closed on Saturdays

Drive-Up Hours:

9:00 a.m. Monday through Saturday with closing hours being the same as the office hours. 

ITM Hours:

  • Monday - Thursday 8:00 a.m. - 6:00 p.m.
  • Friday 8:00 a.m. - 7:00 p.m.
  • Saturday 8:00 a.m. - 1:00 p.m.

Find more information on drive-thrus, ITMs and ATMs locations and hours

PFCU has offices in Portland, Lansing, Lowell, Lake Odessa, Ionia, Caledonia, Westphalia, Owosso, Swartz Creek, Durand, Flint Twp (Van Slyke and Lennon Rd) and Perry, Michigan. View detailed location information.

  • Portland Office: 9077 Charlotte Highway
    ATM: 24-hour access located at back of building
  • Ionia Office: 4035 S. State Rd (M-66)
    ATM: 24-hour access, both drive-thru lanes
  • Westphalia Office: 102 West Main Street
    ATM: 24-hour access located in front of building
  • Lake Odessa Office: 2025 Lapo Road  
    ATM: 24-hour access located in both drive-thru lanes.
  • Lansing Office: 644 Migaldi Lane Suite 100 (Saginaw Hwy in front of Menards)
    ATM: 24-hour access, both drive-thru lanes
  • Lowell Office: 11635 Fulton Street Suite 400
    ATM: 24-hour access located in the drive-thru lane.
  • Caledonia Office: 9864 Cherry Valley Avenue
    24-hour access located at the right side of the entrance door.
  • Durand Office: 311 North Saginaw Street
    ATM: 24-hour access, both drive-thru lanes
  • Flint – Genesee Valley Office: 3378 Lennon Road
    ATM: 24-hour access, both drive-thru lanes
  • Flint – Van Slyke Office: G-3311 Van Slyke Road
    ATM: 24-hour access, both drive-thru lanes
  • Owosso Office: 1465 North M-52
    ATM: 24-hour access, both drive-thru lanes
  • Swartz Creek Office: 9189 Miller Road
    ATM: 24-hour access, both drive-thru lanes
  • Portland Westside Party Store ATM Only: 751 West Grand River Avenue, Portland, MI 48875
  • Portland Party Store ATM Only: 607 East Grand River Avenue, Portland, MI 48875
  • Lake Odessa Express Mart ATM Only: 1401 Jordan Lake Street, Lake Odessa, MI 48849

  • Martin Luther King, Jr. Day
  • President's Day
  • Memorial Day
  • Juneteenth
  • Independence Day
  • Labor Day
  • Columbus Day/US Indigenous People’s Day
  • Veteran's Day
  • Thanksgiving
  • Christmas 
  • New Year's

Credit/Debit Cards

You may be liable for the unauthorized use of your card if you have not notified us of the card being lost or stolen. You will not be liable if you notify us verbally or in writing, of the loss, theft or possible unauthorized use. Notify PFCU immediately:

  • During business hours, call (844) 517-3611 to talk to a representative.
  • Call our automated phone system (LUCY) at (800) 647-5829. Select option #5 and follow the prompts. 
  • After business hours, call (800) 442-4757 and follow the prompts. 
  • Visit one of our office locations.
  • Write to PFCU at 9077 Charlotte Hwy., Portland, MI 48875.

Once logged in to your Online Banking, under the Loans Menu, you will see a link that says Loan/Credit Card Payment. Select this option and follow the prompts!

You can get your free credit report at

If you did not authorize a charge on your card, or would like to dispute the charge you can call us at (844) 517-3611 or stop in to our closest branch.

You may be liable for the unauthorized use of your card if you have not notified us of the card being lost or stolen. You will not be liable if you notify us verbally or in writing, of the loss, theft or possible unauthorized use. Notify PFCU immediately:

  • Call (833) 541-0777
  • Visit one of our branch locations.
  • Write to us at 9077 Charlotte Hwy. Portland MI 48875.


We have loans for almost any worthwhile purpose. Our competitive interest rates and flexible terms mean you should make PFCU your first stop the next time you need to borrow!

Stress-Free Borrowing:

We've streamlined our application process for your convenience so when you need to borrow money you can get it faster, easier and with no stress. You can call anytime with loan requests and may not need to ever come in. Money can just be deposited to your account.  

Get to the Bottom Line!

There is a big difference in auto loans so don’t be fooled by those low (or zero) interest rates advertised. We urge you to stop or call and compare the bottom line. Look at the total cost of the loan and you will see that no one makes financing easier or more economical than PFCU.   

Financing your next vehicle can be affordable. We finance up to 100% of the purchase price with NO application fee and fast approvals. Dealer Direct Financing allows you to obtain your PFCU loan right at the dealer’s showroom. No need to come to the credit union. Simply pick out the car of your dreams, make your best deal on the price and tell them you want your loan financed through PFCU. The dealer will take it from there!

Refinance a vehicle that you financed with another lender and save! Call any of our Loan Specialists to get a payment and interest rate quote. It takes just a few minutes and you may be surprised as to how much you can save on your monthly payment over the term of the loan!

Rest Easy!

Credit Life and or Credit Disability Insurances are an available option on most PFCU loans. The low-cost premiums are added to your loan balance monthly so you are not paying interest on the premium. Credit union members also get a group discount rate on auto insurance.

Call or stop in and experience the PFCU difference with terrific loan products like these:

  • Automobile/Vehicle Loan: You pay the same low rate for new or used vehicles with up to 84 months to repay. Interest rate is based on borrower’s credit score.
  • Other Secured & Recreational Products: You’ll enjoy our flexible terms and great rates with up to 15 years (180 months) to pay on travel trailers, motor homes and large boats.
  • Signature Loans: Unsecured loans for any worthwhile purpose. 
  • Share Secured Loans: Borrow against your own credit union deposits at just 2.50% Annual Percentage Rate above your current deposit rate.
  • The Line-of-Credit: You are approved for a line-of-credit limit that has easy access. You can advance funds from this credit line through your PFCU Online Banking. Payments are calculated at 3% of your loan balance and are due monthly.
  • 1st Mortgage Loans: For owner-occupied home purchases, refinances, a second home or land loans. We have low closing costs, as little as 0% down and the payment options vary from a 5-year balloon to a 30-year fixed rate.
  • Home Equity Term Loans: With low closing costs, you can borrow up to 80% LTV of your home. The interest rate is fixed for up to ten (10) years. However the loan may be amortized up to 240 months (20 years) on a 5 year balloon, to keep the payment lower.
  • Home Equity Line-of-Credit: No closing costs (unless an appraisal is needed), borrow up to 80% LTV of your home’s value. Interest rate is variable and is tied to the Prime Lending Rate.

This is only a partial list of our great loan products and services. If you’re thinking of taking out a loan, be sure to call any of our PFCU offices and speak to one of our qualified loan officers for more options.

Yes! We do service student loans through Sallie Mae. You can apply online.

PFCU makes it easy to apply for loans with many different options!

Yes! PFCU works with select dealerships in our field of membership. View a list of participating dealerships.

PFCU is always looking for dealership cooperative opportunities. Because of this, our list of indirect dealerships can change often. View the most updated list of participating dealerships.

PFCU has a variety of home loan options to suite your needs and you can submit an application online. To apply for a mortgage click here. To apply for a home equity loan or home equity line of credit click here.

Remote Access

We have a free, secure Internet Banking product that we call Online Banking. Online Banking lets you bank on the Internet any time, any place. Check your account balances, transfer funds, make loan and mortgage payments, check deposits and withdrawal. With Online Banking, you can handle almost all your transactions online. You can make partial payments on all loans except for mortgages, which require a full payment. You can also pay bills on Online Bill Pay, our FREE online bill payment program.

LUCY is PFCU’s audio response telephone teller and provides anytime access to your account from any touch-tone phone. Learn more about this convenient feature.

If you’re registered for PFCU's Online Banking

  • Log in to your Online Banking and select ‘Settings’ in the menu
  • Select ‘Statement Preferences’
  • Select the drop down next to the correct Member Number
  • View and verify your email is correct
  • Change the delivery preference to Electronic Statements
  • Accept the E-Statement Delivery Agreement
  • Click 'Submit'

If You’re Not Registered for PFCU's Online Banking

If you have any questions, use our live chat support or contact us at 844-517-3611.

Please review PFCU’s e*statement Disclosure and Consent Agreement.

800-647-LUCY (5829)

Access your account information 24 hours a day, 7 days a week from any phone with Lucy. You can check your balances, transfer funds, keep tabs on your accounts or request a withdrawal by mail without leaving the comfort of your home or office.

First-Time User

  • Dial 800-647-5829
  • Follow the menu prompts
  • Enter your account number and PIN*

*In order to verify your identity, you’ll need to enter your account number and Personal Identification Number (PIN). The PIN can be changed by selecting option 7 and following the prompts.

Quick Tips

  • Have your PFCU account number(s) ready
  • Press the * key to return to return to the previous menu
  • Press the # key to repeat an option 
  • To end your Lucy phone call, simply hang up
  • The Lucy system's default is Touch Tone- Press 8* at any time to use Voice Response

Common Share Suffixes

  • 1 = Regular Savings
  • 2 = Christmas Club
  • 4 =  Money Market Accounts
  • 6-9 = Checking Accounts
  • 10-19 = Additional Savings Account Suffixes

Frequently Used Options

  • Option 1 – Balances on savings, checking, money market, club accounts, certificates, IRAs and loans. Follow the menu prompts
  • Option 2 – History on savings, checking, certificates, IRAs and loans. Account History Menu Features:
    • Last five transactions
    • Last five deposits
    • Last five cleared checks
    • Last five ATM transactions
    • Last five payroll deposits
    • Check number
  • Option 3 – Transfer Funds between accounts or make a loan transfer. Transfer Funds Menu Features:
    • Transfer funds immediately
    • Make an immediate cross member transfer
    • Schedule funds transfer
    • Schedule a cross member transfer
    • Payments
    • Hear existing transfer information
  • Option 4 – Share or Loan Withdrawal. Follow the menu prompts.
  • Option 5 – Deactivate or Report a Lost or Stolen Card. Report your debit or credit card lost or stolen.
  • Option 6 – Stop Payment. Follow the menu prompts to stop payment on a single check number or range of checks.
  • Option 7 – More Options. Follow the menu prompts.

To access Bill Pay you must have access to our Online Banking system. Select the Bill Pay link from there. Please note: you have to have a checking account to utilize bill pay.

PFCU has online bill payment. Once in this system accessed through online banking, you can set up payees to pay them.

Electronic Titles

Beginning March 16, 2021, the Michigan Department of State began allowing for the electronic exchange of lien and title information with lienholders in lieu of paper certificates of title. Along with all other financial institutions in Michigan, PFCU is required to participate.

Electronic titles will be issued for vehicles and watercraft financed through PFCU.

After you close your loan with PFCU – you will not get a physical title in the mail for the new loan. The perfected lien will be electronically issued by the State of Michigan.

PFCU will issue a release of lien letter by mail to you. PFCU will request the electronic lien be released and that a paper title be mailed to you. This will be issued by the State of Michigan.

Contact PFCU at 844-517-3611 and PFCU will request from State of Michigan a paper title showing PFCU as lienholder be mailed to you (if the loan is not yet paid off).

If you do not want to wait for the title in the mail – after lien release or if you are waiting for a paper title copy in mail to sell – you are able to go into a Secretary Of State Branch and have one printed.

Once the lien is released from PFCU you can go to a Secretary of State Branch Office and request a duplicate instant title. There are fees associated with this transaction.

The Credit Union Difference

A credit union is a not-for-profit, cooperative financial institution owned and run by its members. Organized to serve, democratically-controlled credit unions provide their members with a safe place to save and borrow at reasonable rates. Members pool their funds to make loans to one another. The volunteer board that runs each credit union is elected by the members. Not for profit, not for charity, but for service is a credit union motto.

Credit unions are not new. Originating in Europe, credit union history began in this country when the first credit union was formed in Manchester, New Hampshire, in 1909. Today, more than 10,000 credit unions with more than $480 billion in assets serve more than 79 million people in the United States. More and more people join credit unions every year and they are pleased with the service. Credit unions have been rated No. 1 in member satisfaction at financial institutions for 10 years, according to the American Banker Newspaper's annual customer satisfaction survey.

A bank is a for-profit organization and its goal is to maximize shareholders' profits. A bank typically does this by charging higher rates on loans, higher fees on transactions, and offering lower rates on savings plans. The owners' interests are often contrary to the interests of customers, who are valued primarily for the income they generate.

A credit union has the mission of service. Its goal is to help members improve their lives through more effective use of their financial resources. This is accomplished both through the education of the membership on financial topics, the credit union offering typically lower loan rates, lower fees, and paying higher rates on savings products. The major difference is that a bank has to charge higher rates and fees to cover both normal operation expenses and earnings for stockholders; the credit union only has to pay for normal operation expenses and a sufficient allocation to reserves. All of the credit union's net earnings are given back in some way to the members who use its services.

Our Mission Statement:

"PFCU will deliver financial well-being with value, convenience and exceptional service."

The mission of PFCU is to deliver financial well-being to its members by providing comprehensive and progressive financial services at fair and reasonable rates and terms accompanied by first-rate service.

At PFCU you can:

  • Earn higher interest on your deposits.
  • Get a better interest rate on your loans.
  • Pay less fees.
  • All with someone you know and trust from your community.

Here's Why:

  • We're owned and operated by members.
  • Our Board of Directors are volunteers from the community.
  • Excess earnings are returned to members in the form of better rates and lower fees.

Your Money is Safe:

Each Credit Union account is federally insured by the National Credit Union Administration for up to $250,000 or more.

Your PFCU accounts are insured by the National Credit Union Share Insurance Fund, an arm of National Credit Union Administration, a U.S. government agency, to at least $250,000 and backed by the full faith and credit of the U.S. government. Learn more about NCUA Insurance.

You can join if you live, work, worship or attend school in Michigan.

You also are eligible to become a PFCU member if one of your immediate family members can become a member based on where they live or work. Immediate family members include spouses, children, siblings, parents, grandparents and grandchildren.

PFCU membership is a lifetime membership, regardless of where you live or work in the future.

Rules & Regulations

To make a payment over the phone you will need the other financial institutions name, routing number, your account number, what type of account it is and the amount you are going to pay.

Overdraft fees are placed on your account when you do not have enough funds in your account for your purchases. Overdraft fees can also be assessed with your pending transactions as well.

This fee is placed on your account when there had to be funds moved from one account to another to cover charges clearing in your account. By having this service, you were able to avoid an overdraft fee.