Credit union · NCUA insured
Pinellas Federal Credit Union
A $172.5M credit union headquartered in Largo, FL, with 10,772 members and 3 branches in Florida. Best rates: CDs 4.00% and savings 0.45% APY.
Pinellas Federal Credit Union Carrot Score
85
Carrot Score
Higher than 69% of U.S. banks and credit unions
#21 of 54 in Tampa, FL metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Pinellas Federal Credit Union
Established in 1956, Pinellas Federal Credit Union is a member-owned, not-for-profit financial cooperative.
- Headquarters
- 350 E Bay Dr, Largo, FL 33770-3716
- NCUA charter
- 10880
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to individuals who live, work, worship, attend school or regularly do business in Pinellas County.
Employers and groups
- Membership is open to members of Select Employer Groups (SEGs), including Sunshine Savers Club.
Military, government and schools
- Membership is open to State, County or Municipal Employees.
Family and household
- Membership is open to individuals related to a current PFCU member.
Branches
3 branches in Florida
Loading map…
Florida
3 branches
- East Bay Main OfficeMain office350 E Bay Dr, Largo, FL 33770Directions
- North County30645 US Highway 19 N Unit 11, Palm Harbor, FL 34684Directions
- St. Petersburg3100 5th Ave N, St. Petersburg, FL 33713Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 13.10% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.92% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.57% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $67 | $76 | — |
- CapitalNet worth ratio13.10%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.92%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.57%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$67Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Pinellas Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.