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Secure, Money-Saving Services

PPCU is a friendly, member-owned financial institution, conveniently located throughout the Bay Area. Our commitment to our member-owners is to surpass their financial expectations by offering an entire range of financial services from loans, savings and investment accounts to online banking, all at the best possible rates.

Important Update About Surcharge-free ATM locations 

Please note beginning July 31, 2016, Walgreens ATMs will no longer be surcharge-free. You will still have access to nearly 30,000 surcharge-free ATMs, giving you more fee-free access to your money than most bank customers do.
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Good News! Costco Now Accepts PPCU Visa Cards 

You can now use your PPCU Visa at all Costco stores. Get great merchandise and exceptional prices, plus all the card benefits you now receive when you pay with your PPCU Visa. Donít yet have our Classic Visa card?
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The Perfect Gift for the New Graduate 

Do you have a family member graduating from junior high, high school or college? Show you care about their financial future by giving the gift of a savings plan with a super-sized yield.
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Congratulations to Our Scholarship Winners! 

Nia Arranaga, Chardee Bryant, Matthew Chang, Amy Gunther and Maxine Gutierrez each received $1,000 in their PPCU Savings accounts. We wish you all a bright and successful future.
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Summer Entertainment Tickets Now Available! 

Purchase discounted admission tickets at any of our branches for the following theme parks and movie theaters.
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Watch for Card Skimming 

Card skimming occurs when thieves download your card information using an illegal device that is attached to a card reader. To help prevent this from happening when using your credit and debit cards, be wary of card swipes that appear altered or have added devices.
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Exciting Changes to Our Field of Membership! 

Now, anyone living in the household of a current member or a qualifying member can join PPCU. Read on to find out who is eligible for PPCU Membership.
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Save 10% on Your Monthly Sprint Bill 

Important Alert: Be Aware of a Fraudulent CO-OP Mobile Text Phishing Scam 

If you receive an automated SMS/text message from what appears to be CO-OP Mobile asking you to enter your account information (including your ATM PIN number), do not click on any links within the text messages or respond to these messages. CO-OP Mobile SMS/text Messages that are legitimate do not ask members for account information.
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Don't Lose Your Credit Union Benefits - Click to Stop Taxation 

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Free ATM Access at many 7-Eleven, Costco, Bank of the West and Walgreens locations 

It's easy to get cash wherever you are without an ATM surcharge. Many terminals take deposits too. Look for the CO-OP logo.
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Win 0% APR on your PPCU Loan 

Win a no-interest loan if your name is drawn in our monthly 0% APR* drawing.
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Current Rates

New Auto Loans
1.99%APR
Used Auto Loans
2.49%APR
Personal Loan
9.25%APR
VISA
8.49%APR
1st Mortgage 30-yr Adj.
3.20%

Can't Pay Your Mortgage?


Click here for information about what to do if you are having trouble paying your current morgage.

Postal and Civil Service Employees

PPCU is the only Greater San Francisco area credit union dedicated to serving U.S. Postal and Civil Service employees and their families.

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Have a question about money, debt or credit management? Call Balance at 888-456-2227 for professional and confidential money management information and counseling. It's free of charge for PPCU members.


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Early delinquency Intervention: Saving your home from foreclosure

There are many reasons homeowners face difficulty in making mortgage payments. Click here for information.