Prescott Federal Credit Union

Loans

Prescott Federal Credit Union offers

Checking Accounts

Spend and Save With Confidence

Meet your new favorite account! Our no-hassle checking offers friendly features that make managing your money easier than ever.

  • No monthly maintenance fees
  • No minimum balance required
  • Free Visa® debit card
  • Optional overdraft protection
  • 24/7 free online banking

Opening your new checking account is simple – just call or stop by our branch today.

Prescott Federal Credit Union offers

Checking Accounts

Spend and Save With Confidence

Meet your new favorite account! Our no-hassle checking offers friendly features that make managing your money easier than ever.

  • No monthly maintenance fees

  • No minimum balance required

  • Free Visa® debit card

  • Optional overdraft protection

  • 24/7 free online banking

Opening your new checking account is simple – just call or stop by our branch today.

A Lady In Restaurant Using Digital Mobile Payment

Teach your kids how to spend responsibly too!

Ask about our youth checking accounts – they are a great way to give teens and kids more financial freedom while helping them learn how to manage their money.

Compare overdraft protection options

We get it – life happens. If you ever spend more than you have in your checking account, we have options to keep you covered. Ask our team what’s best for you!

Overdraft line of credit Courtesy pay coverage Linked savings account
What is it Line of credit connected directly to your checking account. Save on overdraft charges and have the convenience of a small loan when you need cash. If you don’t have a line of credit or enough in your savings account, we can cover your overdraft. This is an optional service available for most checking accounts. If you overspend, we can automatically transfer funds from your savings account to your checking account for free.
Eligibility Must meet credit requirements Available after 60 days for new accounts Automatic setup for eligible accounts
Fees Interest charges may apply; no added fees $28 per transaction (max 4 per day) $0 (if funds are available in savings)
Credit check required Yes No No
Overdraft limit Varies based on credit approval Up to $400 (including fees) Limited to available savings balance
Repayment terms Interest charged only on amount used Must bring account current within 30 days No repayment required
Ideal for Frequent overdraft users Occasional overdraft situations Those with sufficient savings
Explore more:

Discover the local difference at Prescott Federal Credit Union

We’re your local, not-for-profit financial cooperative, serving military veterans and their families, federal employees and their families, and Embry-Riddle staff and students and their families. Learn more about our mission and become a member.

Small Business & Non-profit Accounts

Find the Perfect Account for Your Goals

Small Business Checking Accounts

Get a convenient checking account designed for small businesses to easily manage day-to-day finances. Plus, access your account 24/7 with our free online banking.

  • No monthly maintenance fees
  • $100 minimum opening deposit
  • $500 minimum daily account balance*
  • Deposit up to $5,000 per month at no charge*
  • 50 free transactions per month*
  • Optional automatic transfer from savings to checking to cover overdrafts

Small Business Savings Accounts

Want to earn interest on your business income while keeping funds easily accessible? A small business savings account can help.

  • No monthly maintenance fees
  • $10 minimum opening deposit
  • Competitive rates to grow your balance
  • Easy access to funds when you need them
  • No hidden fees or complicated terms
  • Funds federally insured for peace of mind

Non-profit & Community Checking Accounts

Discover checking designed for non-profit and community organizations. Get a simple account to manage your cash flow and support your mission. Plus, access your account 24/7 with our free online banking.

  • Free checks
  • No monthly maintenance fees
  • No minimum balance required
  • $100 minimum opening deposit
  • Deposit up to $5,000 per month at no charge**
  • 50 free transactions per month**
  • Optional automatic transfer from savings to checking to cover overdrafts

Non-profit & Community Savings Accounts

Set aside funds for your organization while earning interest and maintaining your cash flow. Our savings accounts for non-profit, civic and community organizations help you build reserves and stay resilient.

  • No monthly maintenance fees
  • $10 minimum opening deposit
  • Competitive rates to grow your balance
  • Access funds whenever you need
  • Funds federally insured for peace of mind

Discover the local difference at Prescott Federal Credit Union

We’re your local, not-for-profit financial cooperative, serving military veterans and their families, federal employees and their families, and Embry-Riddle staff and students and their families. Learn more about our mission and become a member.

*$10 fee per day for accounts under the minimum balance. $0.30 fee per $100 deposited over $5,000. $0.10 fee per transaction over 50.

**$0.30 fee per $100 cash deposited over $5,000. $0.10 fee per transaction over 50 per month.

Savings Accounts

Grow Your Money and Build Your Future

Make your money work harder for you. Whether you’re setting aside funds for a rainy day, a big purchase or future plans, our savings accounts make it easy to reach your goals.

  • No monthly maintenance fees
  • Open your account with just $10
  • Earn interest on balances over $100
  • Earn a higher rate on balances over $2,000
  • Accounts are federally insured for peace of mind

Want to lock in a higher rate? Explore our certificates for terms from 6-60 months.

View Rates

Open your account today! Call, email or visit us in person – it only takes a few minutes to get started.

Try a club account for special savings

A club account provides a separate savings account for a dedicated goal. Open as many accounts as you’d like to set aside funds for holiday shopping, a big vacation or another special goal.

  • No monthly fees or balance requirements
  • Add and withdraw money whenever you need
  • Set up automatic transfers to set it and forget it

View Rates

Explore more:

Discover the local difference at Prescott Federal Credit Union

We’re your local, not-for-profit financial cooperative, serving military veterans and their families, federal employees and their families, and Embry-Riddle staff and students and their families. Learn more about our mission and become a member.

Youth Accounts

Help Your Children Develop Healthy Financial Habits

Teach your kids or grandkids the value of smart money management. With a youth savings account at Prescott FCU, it’s exciting to watch your savings grow! Every time your child makes a deposit, they get to pick a treat from our treasure chest. It’s a fun way to encourage savings at any age.

  • Available for kids ages 0-17
  • Open your account with just $10
  • Accounts are federally insured

View Rates

Open your child’s account today! Call, email or visit us in person – it only takes a few minutes to get started.

Need a debit card for your kiddo? Check out our youth checking accounts.

Explore more:

Discover the local difference at Prescott Federal Credit Union

We’re your local, not-for-profit financial cooperative, serving military veterans and their families, federal employees and their families, and Embry-Riddle staff and students and their families. Learn more about our mission and become a member.

certificates

Get a Guaranteed Return on Your Savings

With a certificate, you lock in a higher rate than typical savings accounts while your money is held for a specific length of time. It’s an easy way to earn more interest if you have savings you don’t need to use for a while.

  • No monthly maintenance fees
  • $1,000 minimum opening deposit
  • Choose a term from 6-60 months
  • Competitive rates that compound monthly

View Rates

Open your certificate today! Call, email or visit us in person – it only takes a few minutes to get started.

How a certificate works

  1. Choose the term and amount you want to deposit. For example, $1,000 and a 12-month term.
  2. Interest is compounded monthly – sit back and watch it grow.
  3. When your certificate matures in 12 months, you can withdraw your money or renew your certificate.

Keep in mind that if you need access to your money before your certificate matures, you’ll likely have to forfeit some of the interest you’ve earned. Certificates are best for money you don’t need to touch for the length of the term.

Explore more:

Discover the local difference at Prescott Federal Credit Union

We’re your local, not-for-profit financial cooperative, serving military veterans and their families, federal employees and their families, and Embry-Riddle staff and students and their families. Learn more about our mission and become a member.

Reloadable Debit Cards

Swipe Smarter With a Reloadable Card

Take control of your spending with an easy-to-use Visa® Everyday Spend Prepaid Debit Card. Whether you’re managing your budget, traveling, or making everyday purchases, a prepaid card gives you the freedom and security of a debit card – without the risk of overdraft. Plus, there are lots of fun card designs to choose from!

  • No credit check required
  • Accepted everywhere Visa is – in-store, online, at ATMs, and for recurring payments
  • Reload and reuse the card anytime for ongoing spending
  • You only spend the money you load, making it easy to manage your budget
  • Track transactions and check your balance on the free CUMONEY® mobile app

Visit our branch to get your reloadable debit card today.

Looking for a one-time gift instead? Our Visa gift cards are perfect for any occasion – available for purchase in a range of amounts and easy to use wherever Visa is accepted.

Discover the local difference at Prescott Federal Credit Union

We’re your local, not-for-profit financial cooperative, serving military veterans and their families, federal employees and their families, and Embry-Riddle staff and students and their families. Learn more about our mission and become a member.

Join us

Experience the difference of a financial institution that truly put you first.