Tucson, Arizona · 75 years member owned
Every rate we pay you, and every rate we charge you, on one page.
Pima Federal is owned by the 66,000 people who bank here, which is the entire reason the numbers below are on the front page instead of four clicks and an accordion away.
4.50%APY
18 or 24 month term share certificate
with a CareFREE Plus Checking relationship
3.00%APY
Youth Savings, $5 to $999.99
opened with a $5 deposit
2.50%APY
CareFREE Plus Checking, $0 to $1,000
no monthly fee
5.74%APR
New and used vehicles, 7 to 60 months
as low as, with automatic payment
Rates current as of July 1, 2026 · APY and APR mean what the footnotes on the rates page say they mean, and the footnotes are on the same page as the numbers.
66,000+
members, and every one of them an owner
13
branches across five Arizona counties
55,000+
surcharge free ATMs on the Allpoint network
Why the numbers look like that
A credit union has no shareholders to pay first.
Pima Federal is a not-for-profit financial cooperative. What a bank would send to investors comes back here as a better rate, a lower fee or a person in Tucson who can approve your file.
Named Arizona's #1 Credit Union by Forbes
Announced in the same year we marked 75 years of serving members. It is a survey of what members say, which is the only kind of award worth putting on a rate page.
Decisions made in Arizona
Thirteen branches across Pima, Maricopa, Yuma, Navajo and Apache counties, with approximately $1.3 billion in assets and local underwriting. Your loan officer has a direct line and an NMLS number.
$75 each when you bring someone
Refer a friend and you both earn $75. It is the least complicated product we have, and it exists because members joining through members is how this place grew for 75 years.
Term share certificates
So here is the whole ladder, all eight terms, in one look.
Two columns, because the rate you get depends on one thing: whether you also keep a CareFREE Plus Checking account with e-statements and $1,000 a month arriving by direct deposit. That relationship is worth 0.25% APY on every rung.
Minimum opening deposit $250. The dividend rate and annual percentage yield are fixed for the term. Without the checking relationship the rate is reduced by 0.25% APY. IRA term share certificates run on exactly the same ladder.
Loan rates
The borrowing side gets the same table.
Published as low as figures, with the automatic payment discount already in them. Set up autopay and this is your rate. Skip it and every APR here goes up by 0.25%, which we would rather tell you now than at signing.
5.74% APR
New and used vehicles
7 to 60 months
5.99% APR
New and used vehicles
61 to 84 months
7.74% APR
Motorcycles
7 to 60 months
7.74% APR
Recreational vehicles
up to 84 months
11.24% APR
Personal loan
24 months
13.99% APR
Personal line of credit
revolving
A complete Truth-In-Lending disclosure is given at the time of application. Rates start as low as the published figures and depend on credit evaluation. Home loans and home equity are quoted separately by the mortgage team, each of whom lists their own NMLS number.
Read the full schedule and footnotesMembers
Members put it more plainly than we do.
The customer service is fabulous. Someone is always there to answer the phone and will always take the time needed to assist me with processes and questions. I have my checking and savings accounts here and am currently refinancing my mortgage with PFCU.
Sheila T. · Valued member
When we were purchasing our home the market was a little crazy and we had no time to waste on our loan processing. The team pulled out all the stops and got our new home loan done in record time. They get to know you as a real person and not just another application.
Wanda B. · Valued member, via Zillow
Before you move the money
The five questions everybody asks first.
Who can join Pima Federal?
Membership is opened with a $5 deposit into a Regular Savings account, and that $5 is your share of the credit union. Anything else you open, checking, a certificate, a loan, sits alongside it.
What is the CareFREE Plus Checking relationship rate?
Certificates pay 0.25% APY more when you also hold a CareFREE Plus Checking account with e-statements and at least $1,000 a month in direct deposits, excluding internal transfers and dividends. Without it, the rate is the base column on the ladder above.
Are my deposits insured?
Yes. Your savings are federally insured to at least $250,000 by the National Credit Union Administration, a U.S. Government Agency, and backed by the full faith and credit of the United States Government.
Can I set up direct deposit before I come in?
The routing number is 322174795. Your full account number is in the Details section of the account once it exists, and there is a printable Direct Deposit form you can hand your employer. ClickSWITCH will move existing direct deposits and automatic payments across for you.
How do I speak to a person?
Call 520-887-5010 during service hours, or book an in-branch appointment for a specific time. The call centre also answers Saturday 9:00am to 1:00pm.
Five dollars opens it. The rest is just paperwork we do with you.
Book a time at a branch and someone will have your file open when you arrive, or call and ask us to talk you through the ladder before you commit a dollar.
Mon to Thu 9:00am to 5:00pm · Fri 9:00am to 6:00pm · call centre Sat 9:00am to 1:00pm