Frequently Asked Questions

You can open an account online in minutes through our secure enrollment portal at our website, or visit any of our branch locations in person. You'll need a valid government-issued ID and your Social Security number. Membership is open to anyone who lives, works, or worships in our service area.

Our routing number is 251480576. This is used for direct deposits, ACH transfers, and wire transfers. Your individual account number can be found in your online banking portal under "Account Details" or on your checks.

No. Our standard checking accounts have no monthly fees and no minimum balance requirements. Some premium account tiers may have optional features with associated fees, but you will always be clearly informed before enrollment.

Provide your employer or benefits payer with our routing number (251480576) and your account number. Most direct deposits take 1–2 pay cycles to activate. You can also download a pre-filled direct deposit form from your online banking portal.

Yes. Our online banking portal and mobile app are available 24/7 from any device with internet access. You can also use any ATM in the Allpoint network surcharge-free, giving you access to 55,000+ ATMs nationwide.

Most consumer loan applications receive a same-day or next-business-day credit decision. Mortgage applications typically take 3–5 business days for a conditional approval. You can apply online 24/7 and our loan officers will follow up promptly.

Loan eligibility depends on several factors including credit score, debt-to-income ratio, and loan type. We work with members across a range of credit profiles. We encourage you to apply — a decision isn't always what you expect, and we also offer credit counseling to help members improve their standing.

Yes. We do not charge prepayment penalties on personal loans, auto loans, or most other consumer loan products. Paying off your loan early saves you money on interest. Contact us to get your payoff amount at any time.

Start your mortgage application online or schedule a meeting with one of our mortgage loan officers. We'll walk you through the process, help you understand your options, and guide you from pre-approval to closing with local decision-making every step of the way.

We use 256-bit SSL encryption for all online sessions, two-factor authentication, and real-time fraud monitoring. Our security team monitors all accounts 24/7 and will contact you immediately if suspicious activity is detected. You are never liable for unauthorized transactions reported promptly.

Call us immediately at 0 (available 24/7 for fraud emergencies) or log in to online banking and lock your card. Do not click any suspicious links in emails or texts claiming to be from us. We will never ask for your full password or PIN by phone or email.

No. We never sell your personal information to third parties for their own marketing purposes. Your data is used solely to provide you with financial services and to comply with legal requirements. See our full Privacy Policy for details.

Yes. Pure Nova is federally insured by the National Credit Union Administration (NCUA). Your funds are protected up to $250,000 per depositor, per account ownership category. This insurance is backed by the full faith and credit of the United States government.