Group of diverse people dressed in business casual clothing, smiling.

Our Communities

PCT Federal Credit Union serves members of the immediate family or household of any of the following:

  • Persons who live, work, worship, or attend school in the Town of Wareham
  • Employees or retirees of any school system in Plymouth County
  • Employees or retirees of the Town of Rochester
  • Employees or retirees of the Town of Marion
  • Employees or retirees of the Town of Bourne
  • Employees or retirees of the Bourne public school system including Upper Cape Regional Vocational School
  • Employees or retirees of the Town of Freetown school system
  • Employees or retirees of the Southeastern Regional Vocational High School
  • Employees or retirees of Bridgewater State University
  • Employees of this credit union

If you have any membership eligibility questions, contact us at 508-291-0777 or at

How to Join

If you would like to become a member of the credit union, you may do so by submitting your request online or giving us a call at 1-800-221-0189. You can also stop by the credit union to apply and open an account.

Member Benefits

Member Referral Incentive
Love PCT Federal Credit Union? Spread the word! When existing members refer eligible friends and family to the credit union, both parties receive $20 when the new member signs up for direct deposit or applies for and receives a loan.
Member Loyalty Bonus
At PCT Federal Credit Union, we appreciate our members! To reward our members, those who have a consumer loan, Visa® credit card, or a mortgage product with us are able to receive bonus interest rate incentives on Certificates and IRA Certificates.
Free Notary Service
There are notary services available to members free of charge during business hours.
Financial Planning
PCT Federal Credit Union provides access to comprehensive financial planning services through a strategic alliance with John Castelot, RFC® of Northeast Planning Associates. John can help you prepare for your short and long term financial goals including: planning for retirement, evaluating your investment options, exploring your insurance needs, creating a savings plan, and planning for your family’s future education needs. Click here to learn more!
Group Auto Discounts
As a member of PCT Federal Credit Union, you are eligible for auto insurance discounts through MTS Insurance (an exclusive agency for Horace Mann). Visit for a discounted insurance quote today!
College Tuition Discount
PCT Federal Credit Union has partnered with the New England College of Business to offer 25% tuition savings, with continuous enrollment, to employees, members, and their families.  Now you can conveniently earn your Master’s, Bachelor’s, or Associate’s Degree while paying the lowest tuition among all private four-year colleges in New England!  To learn more click here.

Member Testimonials

“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

Donor’s Choose

PCT Federal Credit Union is pleased to announce that we have teamed up with; an online charity that helps fund school projects across the country. With school employees being the heart of our membership, the credit union does its best to support and donate to school districts within our field of membership. For more information on funding for your school or how to donate, please visit