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Pinellas Credit Union

Overview
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Pinellas Credit Union is a federal credit union based in Largo, Florida. It has been opened since 1956, for 64 years.

With around $123,200,000 in assets, Pinellas Credit Union is considered to be a large credit union. It has 4 branches and 13 ATM locations.

About
Address 10273 Ulmerton Road
Largo, Florida 33771
Website http://www.pinellasfcu.org
Phone (727) 586-4422
Fax (727) 585-2274
CEO Sherry E. Belcher
President of the Board Jack Bowman
Services Offered
Map
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Score Card
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64 years
Years in business
Opened in 1956
Well Capitalized
Net worth classification
Source: NCUA
12,058 members
Membership type: Multiple common bond – primary federal, state, local government
Above average number of members
350:1
Credit union member to staff ratio
350 per each FTE employee
Compared to 411:1 nationally
Average number of staff
$123,199,956
Total assets
Above average
4 branches
Compared with an average of 4 nationally and 7 in Florida
Above average number of branches
0.10%
Savings interest rate
Compared to 0.3% nationally
9.50%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
Branches
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4 branches
Compared with an average of 4 nationally and 7 in Florida
Above average number of branches
Pinellas Credit Union Branch Locations

Pinellas Credit Union: Main Office
10273 Ulmerton Road
Largo, Florida 33771
ATM Available
Pinellas Credit Union: North County
30645 US Highway 19 North Unit 11
Palm Harbor, Florida 34684
ATM Available
Pinellas Credit Union: Clearwater
1601 Gulf to Bay Boulevard
Clearwater, Florida 33755
ATM Available
Pinellas Credit Union: Street Petersburg
3100 5th Avenue North
St. Petersburg, Florida 33713
ATM Available
Members
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12,058 members
Membership type: Multiple common bond – primary federal, state, local government
Above average number of members

With 12,058 members, the Pinellas Credit Union is considered to be a large credit union. It is larger than 74% of credit unions.

Fees
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$77
Average fee per member
The average fee per member at the Pinellas Credit Union is $77, which is high compared to most credit unions. This rate is higher than 72% of all credit unions.
Fees are higher than average

Credit unions, like banks, charge members various fees, such as overdraft fees, ATM fees, credit card fees, inactivity or dormat account fees, and more.

The average fee per member gives you a general sense of how much you might pay in fees as a member of the Pinellas Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff
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350:1
Credit union member to staff ratio
350 per each FTE employee
Compared to 411:1 nationally
Average number of staff
34 staff members
FTE (full-time equivalent)
3% of employees are part-time
34 full-time, 1 part-time

Pinellas Credit Union has 34 full-time staff members and 1 part-time staff members. The staff is predominantly comprised of full-time staff, at approximately 97% of the workforce.

The number of members relative to staff members is an indication of how well staffed the credit union is. Pinellas Credit Union has around 350 members per staff, an average ratio compared to other credit unions. This is a somewhat well staffed credit union.

Assets
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$123,199,956
Total assets
Above average
Net worth
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Well Capitalized
Net worth classification
Source: NCUA
A well capitalized credit union has a net worth ratio of 7% or greater and also meets applicable risk-based net worth requirements, according to the National Credit Union Administration.
13.9%
Net worth ratio
A higher net worth ratio is better.
Compared to an average of 13.6% nationally

A credit union's net worth ratio is one of the most important metrics you should consider when deciding whether to join a credit union. Why? It's a measure of financial strength

The net worth ratio is equal to a credit union's net worth divided by its assets. According to the National Credit Union Administration, a minimum net worth ratio of 7% is required to be considered to be a well capitalized credit union.

Loans & leases
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$13,583
Average loan and lease size
Loan & lease sizes are bigger than average. They are bigger than at 74% of credit unions.

Pinellas Credit Union holds a total of $68,350,000 in loans and leases, which is about $13,583 per member on average.

Savings interest rate
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0.10%
Savings interest rate
Compared to 0.3% nationally

A credit union share account is an account at a credit union. It's called a share account because the credit union is member owned and as a result, members own shares in the credit union.

A share savings account pays you interest on your savings, similar to a savings account at a bank. The interest you receive can vary. Pinellas Credit Union pays 0.10%.

Loan rates
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9.50%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
10.50%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
3.10%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates
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2.65%
New car loan rate
Compared to 4.0% nationally
9.99%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates
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5.25%
Mortgage rate (secured by junior lien)
Compared to 3.4% nationally
5.50%
Mortgage rate (secured by 1st lien)
Compared to 3.3% nationally
4.40%
Other real estate loan rates
Compared to 0.9% nationally
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