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 Federal Credit Union proudly serves the people and organizations that make up our vibrant local community. Over the years, we've formed strong ties with a number of groups and institutions — our historic partners — and we remain committed to serving their employees and members as part of the community we call home.

You are eligible to join PCT Federal Credit Union if you are:

  • A person who lives, works, worships, attends school, participates in programs to alleviate poverty or distress, or participates in associations headquartered in Plymouth County, Massachusetts — a single political jurisdiction

  • A business or legal entity, incorporated or unincorporated, that is located in or maintains a facility in Plymouth County, Massachusetts

  • A person who lives, works, worships, or attends school in, or a business or legal entity located in the Town of Wareham, Massachusetts, a community that meets the underserved definition of Section 109(c)(2) of the Federal Credit Union Act

  • An employee of PCT Federal Credit Union

As part of our continued service to our historic partners, we also welcome:

  • Employees of the School Department of the Town of Freetown

  • Employees of the Southeastern Regional Vocational High School who work in Easton, Massachusetts

  • Employees of the Board of Education of Bourne, Massachusetts who work in Bourne

  • Employees of the Town of Bourne who work in or are paid from Buzzards Bay, Massachusetts

Additionally, you are eligible for membership if you are:

  • A retiree, pensioner, or annuitant from one of the above groups

  • The unmarried spouse of a deceased member who was within our field of membership at the time of their passing

  • A member of an organization composed exclusively of individuals who qualify for membership

  • An immediate family member or household member of an eligible member, including spouse, child, sibling, parent, grandparent, grandchild, stepparent, stepchild, stepsibling, or adoptive relationship

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. 

PCTFCU 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).

Hear stories from real people about PCTFCU!

“We have been members for over 30 years. We have done our home and car loans through PCTFCU as well. We just rewrote our mortgage. PCTFCU 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