Frequently Asked Questions

Account Information

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

You will need to provide our routing and transit number to your employer (272484056) and your account number including your suffix number. For example: your account number is 12345 and your checking account suffix number is 0006. You will need a total of 14 digits. The format is as follows:


Interest rates are always changing. Verify our latest rates.

You can get started online here, or come in! You do have to have your current state ID with the correct information, there is a onetime 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

NOTE: It is important to contact us to ensure that your electronic transactions are deposited correctly and that the proper account number for electronic transactions is being submitted.

For a printable worksheet, click here

The account number structure for electronic transactions is 14 digits: ABBBBCCCCCCCCC

The letter A represents a share or loan ID: (1) is for a share ID and (2) for a loan.

The letter B represents the 4 digit specific share or loan suffix number under your account:

A typical savings is 0001

A typical checking is 0006, 0008 or 0009

Please note that all suffix numbers are different and can be found within your online banking or by contacting us.

The letter C represents your base account number, the front filled with zeros to equal 9 digits.

Example: You would like to start direct deposit to your account #12345 into the checking account suffix number 0009. The structure would be 10009000012345

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.

Drive-Up Hours:

8:00 a.m. Monday through Saturday with closing hours being the same as the office hours.


24 Hour access located at back of building.


PFCU has offices in Portland, Lansing, Lowell, Lake Odessa, Ionia, Caledonia and Westphalia, 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 located in the first drive in lane behind the building.

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 the first drive in lane.

Lansing Office:  644 Migaldi Lane Suite 100 (Saginaw Hwy in front of Menards)
ATM: 24-hour access located in the first drive in lane.

Lowell Office:  11635 Fulton Street Suite 400
ATM: 24-hour access at the front of the building.

Caledonia Office:  9864 Cherry Valley Avenue
24-hour access located at the right side of the entrance door.

Memorial Day
Independence Day
Labor Day
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 orally or in writing, of the loss, theft or possible unauthorized use. You can notify PFCU by calling 1-800-442-4757, or writing to 9077 Charlotte Hwy. Portland MI 48875.

Once logged in to your online banking you will see a link that says Pay/view My Credit Card. Select this option and follow the prompts!

We have a tool that you can get a free credit report! Get started.

If you did not authorize a charge on your card, or would like to dispute the charge you can stop in to our closest branch to file the proper paperwork. 

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 orally or in writing, of the loss, theft or possible unauthorized use. You can notify PFCU by calling 1-800-442-4757, or writing to 9077 Charlotte Hwy. Portland MI 48875. As always you can come in to the branch closest to you as well!


We make 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.

TLC (The Loan Check) Line-of-Credit: You are approved for a line-of-credit limit that has easy access. You’ll receive TLC checks and you simply write a check to advance your loan. 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.

You are welcome to make an appointment with our mortgage staff, or you can stop in and ask for a mortgage application packet. 

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.

You can access your account 24/7 from a touchtone phone and take care of various money-management tasks, whether you’re in West/Central Michigan or anywhere in the world.

Save time by using our audio teller to transfer money, review cleared checks, balance your checkbook, make loan payments, transfer money and much more.

Helpful Hints When Accessing LUCY

  • Have your PFCU account number(s) ready
  • Dial LUCY at (800) 647-LUCY (5829)
  • Always press the “#” key after you enter an account number or an amount of money (Example: $45.00 is entered as 4500#)
  • Press the “*” key at any time to return to the main menu or end the call

Common Share Suffixes

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

When you connect to LUCY, press 1 for the main menu to access your account or press 2 to report your PFCU debit/ATM card lost or stolen.

How to Use PFCU’s Phone Banking

Pressing 1 will ask you to:

  1. Enter your credit union base account number.
  2. Create a Personal Access Code of at least six digits that you will use to access LUCY.
  3. Enter the Social Security number of the primary account holder (only required at set-up).

Main Menu

  • Balance inquiries
  • History inquiries
  • Withdrawals
  • Transfers
  • Checking information
  • Loan information
  • Additional options
  • Credit card inquiry

1. Balance Inquiry Menu

  1. Share (Savings) balance
  2. Checking balance
  3. Loan balance
  4. Open share list
  5. Open loan list

2. History Inquiry Menu

  1. Last deposit
  2. Last payroll deposit
  3. Share history
  4. Loan history
  5. Deposit history
  6. Recent transaction history
  7. Checking history
  8. Point-of-sale history
  9. Debit card history
  10. ATM history
  11. ACH history
  12. Payroll history
  13. Loan payment history

3. Withdrawal Menu

  1. Checking withdrawal
  2. Share withdrawal
  3. Loan advance

4. Transfer Menu

  1. Share to share transfer
  2. Share to loan transfer
  3. Loan to share transfer

5. Checking Information Menu

  1. Checking balance
  2. Check number inquiry
  3. Checking history
  4. Check # range

6. Loan Information Menu

  1. Loan balance
  2. Loan payment inquiry
  3. Loan payment history
  4. Loan payoff
  5. Open loan list

7. Additional Options Menu

   1. Year-to-date information
   1. IRA contributions
   2. Dividend information
   3. Interest information
   2. Change preferences
   1. Change personal access code
   2. Change language
   3. To change account

8. Credit Card Inquiry

  1. Credit card information
  2. Credit card payment

You can sign up for online banking online, by calling us or by coming in to your local branch!

After you register online, we will mail you a letter providing you with your User ID Number and a temporary password and instructions on how to use Online Banking. Your password ensures that only authorized users can access your account information. Plus, data encryption translates the information sent from our server to your browser into a code that cannot be understood or altered by unauthorized users.

To access Online Banking the first time:

On the left side of our homepage, you will see the ‘Online Banking/Bill Pay’ log-in box. Enter your base account number where it asks for your User Name (leave out dashes and suffixes). Enter the temporary password that was assigned to you. You will then need to enter the Social Security number of the primary account user under the account number provided.

You will be prompted to create and enter a User Name that you will use for your log-in going forward. This will bring you back to the initial log-in screen where you will enter your new User Name and still the temporary password.

You will be asked to choose three challenge questions. These questions will pop up for you to answer if you happen to use a different computer than the one you originally use to enroll in Online Banking.

You will then be prompted to change your password. Our disclosure screen will display (click Agree). Then you will be allowed into your account.

These steps are only required at your first login. After the initial login, you will just be required to enter your created User Name and Password to be allowed into your account.

At your second time logging in:

You will be asked a password reset question to answer. This feature is nice to have in case you ever forget your password. If you do forget, just click on the ‘Forgot Your Password’ link on the log-in page, you will be required to answer this question. You will be emailed a new password to use temporarily but you can reset your password again.

Upper and lower case will be recognized for all account numbers, passwords and answers to questions.

Change Your Password

From time-to-time it is a good idea to change your Online Banking password. Just click on the Member Options link, enter your old password, then your new password and confirm it by entering it again. If you have forgotten your password, click on the “Forgot Your Password?” link located just below the log-in button. It will display a question you provided the answer to when you logged in for the first time. Your correct response will generate an e-mail sent to you supplying your password.

It is very important that you use the “Log Out” link to exit this product.

To access Bill Pay you have to access 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. 

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 of 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: "Local people dedicated to hometown service, one member at a time, anytime."

The mission of PFCU is to promote the financial well-being of its members by providing comprehensive and progressive financial services at fair and reasonable rates and terms.

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 Barry, Ionia, Kent counties, or the city of Lansing if your zip code for your home or work address starts with a 489- - zip code.

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.

Rules & Regulations

Federal Regulation D impacts the number of transactions PFCU may allow on your deposit accounts (including Savings, Money Market, Trust and Club accounts). The Regulation was implemented by the Board of Governors of the Federal Reserve System, whose job is to ensure that financial institutions maintain adequate reserves for the funds they have on deposit.

Federal Regulation D affects you by limiting certain withdrawals and transfers that may be made from your Savings, Club and Money Market Accounts. The following transactions (or any combination thereof) are limited to six (6) per month:

  1. Overdraft agreements where money is automatically withdrawn from a share account to cover overdrafts in any of the member’s other PFCU accounts.
  2. Telephone banking transfers (through audio-response or per person) from a share account to other accounts or third parties.
  3. Online Banking transfers from a share account to other accounts or third parties.
  4. Pre-authorized, automatic transfers (ACH) made at a predetermined time to third parties or to the member’s other PFCU accounts.

There is no limit on the frequency or dollar amount of transfers for the purpose of repaying loans and associated expenses where the loan has been made to the member by the credit union or is serviced by the credit union. And, there are no limitations to the number of transactions that you handle on any account in person, by mail or through an ATM.

You should know that PFCU will refuse any transactions that are not in compliance with Federal Regulation D (checks may be returned and fees applied).


Federal Regulation D affects you by limiting certain withdrawals and transfers that may be made from your Savings, Club and Money Market Accounts. The following transactions (or any combination thereof) are limited to six (6) per month:

  1. Overdraft agreements where money is automatically withdrawn from a share account to cover overdrafts in any of the member’s other PFCU accounts.
  2. Telephone banking transfers (through audio-response or per person) from a share account to other accounts or third parties.
  3. Online Banking transfers from a share account to other accounts or third parties.
  4. Pre-authorized, automatic transfers (ACH) made at a predetermined time to third parties or to the member’s other PFCU accounts. 

Federal Regulation D is a directive of the federal government and cannot be changed.

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.