Credit union · NCUA insured
Prescott Federal Credit Union
A $11M credit union headquartered in Prescott, AZ, with 1,284 members and 2 branches in Arizona. Best rates: CDs 2.85% and savings 0.30% APY.
Prescott Federal Credit Union Carrot Score
68
Carrot Score
Higher than 22% of U.S. banks and credit unions
#10 of 16 in Prescott Valley, AZ metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Prescott Federal Credit Union
Prescott Federal Credit Union is a member-owned, not-for-profit financial institution located in Prescott, Arizona, founded in 1937.
Originally known as Prescott U.S. Employees Federal Credit Union, it was established to serve Veterans and employees of the Veterans Administration Medical Center.
- Headquarters
- 500 N State Route 89, Prescott, AZ 86313-5001
- NCUA charter
- 2460
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Staff and students of Embry-Riddle Aeronautical University are eligible for membership.
- Federal government employees are eligible for membership.
- Military veterans are eligible for membership.
Family and household
- Families of military veterans, federal government employees, and Embry-Riddle staff and students are eligible for membership.
Cost to join
- Establish membership by opening a savings account with $10.
Branches
2 branches in Arizona
Loading map…
Arizona
2 branches
- Prescott Federal Credit UnionMain office500 N State Route 89, Prescott, AZ 86313Directions
- Prescott Federal Credit Union500 N State Route 89, Prescott, AZ 86313Directions
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
Adequately capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 6.06% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.46% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | -1.85% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $43 | $59 | — |
- CapitalNet worth ratio6.06%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.46%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets-1.85%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$43Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million 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 Prescott 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.