Membership

"People helping people": it's at the heart of everything we do.

It's what sets us apart from other financial institutions and guides us in our work every day.

We take this responsibility seriously. Getting to know our members, understanding their challenges and successes, and finding ways to make their lives and communities better is what we're all about.

Our goal is: 

  • To empower those we serve

  • To create positive change

  • To inspire others to give back to their communities 

We're proud to serve:

  • Individuals, families, and small businesses who live, work, worship, or attend school in Plymouth County, Massachusetts

“Credit Unions are among the highest-rated services we've ever evaluated, with 96% of our members highly satisfied.” — Consumer Reports 2022

Membership Eligibility

Who Can Join

PCT membership is open to persons who:

  • Live in Plymouth County, Massachusetts

  • Work in Plymouth County, Massachusetts

  • Attends school in Plymouth County, Massachusetts

  • Worships in Plymouth County, Massachusetts

  • Regularly conducts business in Plymouth County, Massachusetts   

Membership is also open to anyone who lives, works, worships, attends school, participates in programs to alleviate poverty or distress, or participates in associations headquartered in; and businesses and other legal entities, incorporated and unincorporated organizations located in, or maintaining a facility located in Plymouth County, Massachusetts, a single political jurisdiction. 

Community Partners 

  • Turning Point Wareham 

Since August 2022 when the credit union was granted a Low Income Designation (LID) from the NCUA, PCT Federal Credit Union has been able to enable our community to thrive through expanded services to low and moderate income families through. 

PCT is a federally-chartered credit union, organized under strict regulatory laws that are monitored and enforced by the National Credit Union Administration, an agency of the U.S. Government. All accounts are insured by the National Credit Union Share Insurance Fund (NCUSIF).

Inclusion In Action

PCT strives to be a leader in providing powerful financial resources and tools to the people and communities we serve.

Our mission is to foster individual, family, and community empowerment through providing the following to those who are oftentimes ignored or underserved:

  • Financial education 

  • Service

  • Scholarships 

  • Sponsorships

Bridging Socioeconomic Gaps

Access to financial services and educational resources is essential to every person, regardless of location or socioeconomic status.

  • A majority of American teenagers, specifically 75%, do not have confidence in their understanding of personal finance

  • 25% of Americans report they do not have a trusted source to ask for financial advice

  • 23% of U.S. adults ages 18 to 29 have credit card debt that’s over 90 days overdue

  • 42% of adults worry about meeting their daily expenses as of 2020. 40% were concerned about their financial status, while 37% reported they were just getting by financially

  • In 2021, Americans reported losing an average of $1,389 because of a lack of personal finance knowledge

  • 64% of American adults report that money is a significant stressor in their life

Inclusion in Action: 

PCT’s mission to forge strategic partnerships that align community goals is an essential step toward improving the wealth gap and financial security in underprivileged communities.

Hear stories from real people about PCT!

“We have been members for over 30 years. We have done our home and car loans through PCT as well. We just rewrote our mortgage. PCT has always been a good experience. They are always consistent.”

— JIM & KATHY H. - MEMBERS SINCE 1984

“I tell everyone about this credit union. I love this place! I have never heard of a credit union (or bank) going so far above and beyond for a member.”

— PAULA B. - MEMBER SINCE 2012

“We absolutely are grateful to all of you: for your efficiency, professionalism, advice, support, politeness, expertise, kindness, and years of service. Thank you!”

— SHANNON, KELSEY, AND TYLER L. - MEMBERS SINCE 1993

“Their business operations are current in practice and modern technology, but the whole place conveys a sense of helpfulness and caring that is rare in today’s fast-paced world.”

— JOANNE B. - MEMBER SINCE 1981