Looking Ahead (.now)

Whatever your age, planning for retirement is an important part of ensuring your long-term financial success. The best part is, you don’t have to do it alone – .now is here to help.
Tips & Tools
Now_Guy

Focusing on Family (.now)

Whether you’re getting married or starting a family, .now has the products, services and tools you need for financial stability.

Products & Services
Tips & Tools

Products & Services
Checking*
Do you have the best checking account to fit your current lifestyle? Find out here!  Now_Guy

Pair your checking account with PCU’s debit card and you’ll enjoy surcharge-free access to thousands of ATMs nationwide. Call or come in to open your account today.
Deposits
  • A Reserve Savings is a great way to save for a specific purchase – such as a family vacation or new furniture. You can name the account whatever you wish and have a set amount of money transferred to it weekly or monthly.
  • PCU’s Certificates of Deposit (CDs) earn more interest than standard savings accounts because you have to keep your money in them for a set period of time – from 6 to 60 months. View our competitive rates.
  • A Premium Money Market is a great way to save for longer-term financial goals. The more you keep in this account, the more interest you’ll earn – nice.
Loans
PCU offers a wide range of loan products – find what you’re looking for below.
  • Auto – Need a new or used vehicle loan? PCU has some of the lowest rates in the Twin Cities. Get pre-approved and check out other auto-buying resources by visiting our Auto Resource Center.
  • Visa – Get a PCU Visa Gold. You'll enjoy a low fixed rate, Golden Rewards and more.
  • Mortgages – PCU offers a full range of mortgage products, including fixed and adjustable rate mortgages, first time homebuyer programs and VA loans. Learn more.
  • Home Equity – Already have a home and need some extra cash? Consider a variable or fixed rate Home Equity loan from PCU. Start that remodeling project or payoff other debts by tapping your equity.
Online Services
PCU knows you have a busy schedule and that’s why we offer PCU Online Banking. This FREE service enables you to:
  • Check account balances & history
  • Transfer funds
  • Pay bills**
  • Deposit checks online^
  • Get eStatements
  • And more!

If you already have a PCU account, call today to have an online banking password mailed to you.
Tips & Tools
Financial success doesn’t have to be difficult to achieve – check out the helpful resources and advice below.
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"Like" dot on Facebook for access to helpful tips, special offers and more. Connect to dot on Facebook today!
Debt in Focus
Take control of your finances with Debt in Focus. This FREE online tool is completely anonymous and provides a summary of your debt totals, ratios and estimated budget. It’s quick and easy to use – give it a try.
Calculators
Try our deposit and loan calculators to figure out how much interest you’ll earn on deposits and how much you’ll pay on loans.
Security Center
Learn the ins and outs of avoiding identity theft and what to do if you’re a victim.
Auto Resource Center
Get pre-approved, compare vehicles online, explore CU Companies’ Auto Buying Service, and more. Visit now!

** Once activated, you must use Bill Pay at least once per month or your account will be assessed a $3 inactive charge on Free and e-Member Checking. The fee is waived on Relationship Checking accounts.
^ If you are not qualified for Online Deposits, you will be notified when you attempt to enroll online. You need an active PCU checking account to sign up for this service.

Getting Schooled (.now)

Whether you’re in high school or college, .now has the financial hook-up you need. Check out the resources below to see where your money can take you.

Free Checking
Savings accounts & Saver Certificate of Deposits
Getting a loan (aka borrowing money)
Online services
Other personal finance resources

Free Checking*

“Free” is a great word – especially when you’re a student trying to make ends meet. This checking account has no minimum balance requirement and no monthly fees.Now_Guy Plus, when you add our debit card to the mix, you’ll enjoy surcharge-free access to thousands of ATMs nationwide. Visit any of our 5 branches to open your account today.

 

Savings & Savers CDs

You may already have a standard Savings account, but have you considered a Reserve Savings or Savers CD?

Reserve Savings = the "You Name It" Savings Account
A Reserve Savings is a great way to save for a specific purchase – such as prom, a new computer or vacation. Name your savings account whatever you wish and have a set amount of money transferred to it weekly or monthly.

Check our current savings rates.

PCU Savers Certificate of Deposit (CDs)
Designed for students, PCU’s Savers CDs are unique because they require just $100 to open and you can add money to them anytime (unlike traditions CDs).

Savers CDs make so much 'cents'
CDs earn more interest than standard savings accounts because you have to keep your money in them for a set period of time – between 6 - 60 months. Withdrawing the funds early may incur a penalty, helping you stay disciplined in your savings. Check out current rates on Saver CDs

Annual Honor Roll Bonus
Stay on top of your grades and get paid! PCU will add $10 to your Savings or Savers CD if you make the Honor Roll any time during the school year. (Limit one $10 bonus per calendar year)

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Loans*

Start small
It's important to start off on the right foot when it comes to borrowing money to build a solid credit history. So start small. PCU can finance small loans (i.e. new computer, class trip, instrument etc) before working your way up to a larger purchase like a new car.

Find a co-signer
Your best odds for getting your first loan is to find a trustworthy co-signer who already has established credit history. READ: Mom or dad are usually a good place to start. Both names would be on the loan documents.

What does that mean?
Both you and your co-signer are responsible for the loan repayment. It's important to make timely payments on the loan to establish and KEEP good credit history, meaning, if you don't pay it will negatively impact BOTH signers' credit.

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Share Secured Loan

Extra cash savings? Try a secured loan to build credit history
If you've saved some cash in your account, you can borrow money from the credit union while securing your savings funds as a loan. This type of loan is a good option if you can't find a co-signer. You can borrow a lump sum of money for your loan purpose (new computer, vacation, car etc.) equal to the amount of cash in your savings. Then, make payments back to the credit union until the loan is paid in full.

During the loan repayment period your secured funds are not available to use, but you still earn interest. Once the loan is paid, your savings funds are fully available.

Other loan resources

Whatever your loan needs, PCU can help. We have some of the best loan rates in town. Plus, we’ll help you through the process step-by-step.

Current loan rates
Loan payment calculator
Auto Resource Center
Visa Credit Card
Apply 24/7 - online loan application center

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Online Services

PCU knows you have a busy schedule and that’s why we offer PCU Online Banking. This FREE service allows you to:

  • Check account balances & history
  • Transfer funds & pay bills
  • Deposit checks with out coming to the branch
  • Create budgets and manage your spending each month
  • So much more! Check out our favorite PCU Online Banking features & enroll today
Other Tips & Tools

dot's Facebook page - "Like" dot on Facebook for access to helpful tips, special offers and more. Connect to dot on Facebook today!

College Prep - The thought of paying for college can be daunting, but it doesn't have to be. Learn about student loans and Federal Financial Aid options that can help fund your education.


* Parent or guardian’s signature may be required

Living Free (.now)

When you’re on your own and working, you need flexible financial solutions that fit your lifestyle. With .now you’ll find the services and tools you need for success.

Personal Checking options*

Are you getting the most out of your checking account?  Find the best checking account to fit your lifestyle and preferences.

Free Checking & Free Gift
PCU will give you $50 cash when you use your new checking account. Learn more about our Free Checking  Free Gift promotion. Pair your checking account with PCU’s debit card for surcharge-free access to thousands of ATMs nationwide. Visit a PCU branch to open your account today.

Savings Plans and products

"You name it" Reserve Savings
Save for something specific - wedding, computer or dream vacation? Open a Reserve Savings account, label it whatever you want and start saving. Deposit money anytime in any amount. Or, set up an automated  transfer  to it weekly or monthly to stay on track for your savings goal.

PCU’s Certificates of Deposit (CDs)
Secure a lump sum of funds in a CD and earn more interest by agreeing to keep your money in there for a set period of time – from 6 to 60 months. View our competitive rates.

  • A Premium Money Market is a great way to save for longer-term financial goals. The more you keep in this account, the more interest you’ll earn – nice.
Loans

PCU offers a wide range of loan products – find what you’re looking for below.

  • Auto – Need a new or used vehicle loan? PCU has some of the lowest rates in the Twin Cities. Get pre-approved and check out other auto-buying resources by visiting our Auto Resource Center.
  • Visa –  Be prepared for all of life's emergencies with a credit card solution you can trust. Enjoy great card  benefits and an exceptionally low APR while earning points or cash back rewards.
  • Mortgages & more – Whether you’re ready to buy your first home or simply need a personal loan, PCU can help. We offer a variety of mortgage financing options, as well as personal loans, share secured loans and more.
Online Services

PCU knows you have a busy schedule and that’s why we offer PCU Online Banking. This FREE service allows you to:

  • Check account balances & history
  • Transfer funds
  • Pay bills**
  • Deposit checks online^
  • Get eStatements
  • And more!


If you already have a PCU account, call today to have an online banking password mailed to you.

Tips & Tools

Learn how to maximize your money and more with the resources below.

dot's Facebook page

"Like" dot on Facebook for access to helpful tips, special offers and more. Connect to dot on Facebook today!

Debt in Focus

Take control of your finances with Debt in Focus. This FREE online tool is completely anonymous and provides a summary of your debt totals, ratios and estimated budget. It’s quick and easy to use – give it a try.

Calculators

Try our deposit and loan calculators to figure out how much interest you’ll earn on deposits and how much you’ll pay on loans.

Security Center

Learn the ins and outs of avoiding identity theft and what to do if you’re a victim.

Auto Resource Center

Get pre-approved, compare vehicles online, explore CU Companies’ Auto Buying Service, and more. Visit now!


^ If you are not qualified for Online Deposits, you will be notified when you attempt to enroll online. You need an active PCU checking account to sign up for this service.