Pecu

PO Box 2205, Austin, TX 78768

NCUA Insured4.9 (225 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1952

Contact this credit union directly for detailed information about membership eligibility and current rates.

Membership Eligibility

Anyone who lives, works, or worships in or around Austin, TX may be eligible to join. Community credit unions are open to the general public within their service area.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

2 charter

Established in 1952

Contact this credit union directly for detailed information about membership eligibility, current rates, and services.

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness LoansCredit Cards

Location & Directions

Address

PO Box 2205

Austin, TX 78768

Google Maps 🗺Waze

(512) 474-1955

Service Area

This credit union is located in Austin and serves members in the TX area. Currently serving 21,509 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

5.29%

Used Auto Loan

5.79%

Personal Loan

9.99%

Credit Card APR

7.99%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in TX

Lowest rates currently reported by credit unions in TX (NCUA Q4 2025).

Complex Community— New Auto Loan

Odessa, TX

Houston, TX

Amarillo, TX

Hockley County— Credit Card APR

Levelland, TX

4.00%

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(5 total)

Member Reviews

4.9

225 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps

Emmett Wesolowski

4 months ago

They should win an award for best financial institution in the city of Austin. Could not be a better place to do business with, they welcome you in as a member and make you feel like part of their family. Everyone from Jan in account services, to Sonia the banker and Katie in loans. This is a unique culture you don’t find often anymore. Everyone is incredibly helpful and knowledgeable.

LINDA HOPKINS

3 months ago

Went to the PECU drive thru branch in Oak Hill for a cashiers check withdrawal. No other customers were there, so we did not have to wait. The teller was pleasant and notified us about the $3 fee for a cashiers check. Thought it should cost less than that just to print out a check, but it is what it is. Since we’ve been banking with PECU for over 40 years, everything about it seems terribly outdated. The employees are always nice, but I wonder if there is newer technology available now.

sue baadsgaard

8 months ago

My issues were handled in record time - everyone that I talked with was professional, knowledgeable, and so very helpful. I have had an account at PECU for over 40 years and have always been treated with respect and received interest rates that far lower than anywhere else.

Leland

8 months ago

I want to personally thank Diana Miller for her superior communication, caring, and expertise while doing business with PECU. I am the Power of Attorney/Agent for my mother's accounts, and I have encountered many hurdles and pitfalls while dealing with other organizations. But Diana helped make PECU the bright spot. My family and I are eternally grateful for Diana.

Billy Te

6 months ago

They offer a "High interest checking" account that looks too good to be true. That's cause it is. They offer 5 TIMES the interest rate as their money market for funds above $15k, but they have a litany of "qualification" requirements clearly designed to trip you up so they can deny you the advertised rate. Very scummy practice. I doubt anyone is actually earning the amount they're advertising.