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People's Alliance Federal Credit Union - PAFCU

Welcome to
People's Alliance Federal Credit Union
Mobile Banking

Brooklyn (Hanson Place)

View Map Phone: (718) 643-4506
67 Hanson Place
Brooklyn, NY 11217

Hours:
Monday: Closed
Tues-Thurs: 8:30 a.m. - 4:00 p.m.
Fri: 8:30 a.m. - 6:00 p.m.
Sat: 8:30 a.m. - 2:00 p.m.

Hauppauge

View Map Phone: (631) 434-3500
125 Wireless Blvd.
Hauppauge, NY 11788

Hours:
Mon-Thurs: 8:30 a.m. - 4:00 p.m.
Fri: 8:30 a.m. - 6:00 p.m.
Sat: 8:30 a.m. - 2:00 p.m.
Drive Thru:
Mon-Thurs: 8:30 a.m. - 4:00 p.m.
Fri: 8:30 a.m. - 6:00 p.m.
Sat: 8:30 a.m. - 2:00 p.m.
ATM Available 24 Hours a Day

Jamaica (JFK Airport)

View Map Phone: (718) 656-1774
Building 14 West Wing
Room 4A
Jamaica, NY 11430

Hours:
Mon-Thurs: 8:30 a.m. - 4:00 p.m.
Fri: 8:30 a.m. - 6:00 p.m.
Sat: 8:30 a.m. - 2:00 p.m.
ATM Available 24 Hours a Day on the 1st Floor

Jamaica (The Greater Allen Cathedral of New York)

View Map Phone: (718) 206-4600 x3037
110-31 Merrick Blvd.
Jamaica, NY 11433

Hours:
Mon-Fri: 9:00 a.m. - 4:30 p.m.

Miami

View Map Phone: (888) 268-2768
5757 Blue Lagoon Drive
Suite 100
Miami, FL 33126

Hours:
Mon-Tues: 8:30 a.m. - 4:00 p.m.
Wed: Closed
Thurs: 8:30 a.m. - 4:00 p.m.
Fri: 8:30 a.m. - 6:00 p.m.
Sat: 8:30 a.m. - 2:00 p.m.
ATM Available 24 Hours a Day

Ronkonkoma

View Map Phone: (631) 580-3702
3125 Veterans Memorial Hwy.
Ronkonkoma, NY 11779

Hours:
Mon-Thurs: 8:30 a.m.- 4:00 p.m.
Fri: 8:30 a.m. - 6:00 p.m.
Sat: 8:30 a.m. - 2:00 p.m.
ATM Available 24 Hours a Day

Westbury

View Map Phone: (516) 832-8100
1600 Stewart Ave.
Suite #101
Westbury, NY 11590

Hours:
Mon-Thurs: 8:30 a.m. - 4:00 p.m.
Fri: 8:30 a.m. - 6:00 p.m.
Sat: 8:30 a.m. - 2:00 p.m.
ATM Available 24 Hours a Day

Yonkers

View Map Phone: (914) 963-1370
132 Tuckahoe Road
Yonkers, NY 10710

Hours:
Mon-Thurs: 8:30 a.m. - 4:00 p.m.
Fri: 8:30 a.m. - 6:00 p.m.
ATM Available 24 Hours a Day

Dividend Rates

Share Account Minimum Balance* Annual Percentage Yield Rate
Prime Share Account $50.00* 0.10% 0.10%
Checking Plus $1,000.00* 0.05% 0.05%
Escrow Accounts $50.00* 0.05% 0.05%
Golden Checking none 0.05% 0.05%
IRA $50.00* 0.17% 0.17%

*To obtain the disclosed annual percentage yield, a minimum balance must be maintained in each type of account.
The Board of Directors has announced a declaration of these dividends to be paid on individual member's eligible balances for the quarter ending March 31, 2022.
All rates and terms offered are effective March 31, 2022 and are subject to change without notice.

Money Market Rates

The following are the Money Market Rates for the period ending 4/30/22.

Term Annual Percentage Rate
2,500 to 24,999 0.15% 0.15%
25,000 to 49,999 0.20% 0.20%
50,000 to 99,999 0.25% 0.25%
100,000 & $249,999 0.30% 0.30%

All rates and terms offered are subject to change without notice.

Share Certificate Rates

The following are the Share Certificate Rates as of 5/13/2022.

Term Annual Percentage Rate
3 Months 0.36% 0.36%
6 Months 0.52% 0.52%
9 Months 0.65% 0.65%
1 Year 0.86% 0.86%
2 Year 1.46% 1.46%
5 Year 2.16% 2.14%
Building 1 Year 0.86% 0.86%
Education 1 Year 0.86% 0.86%
18 Month Bump Up 1.16% 1.15%
12 Month Youth 1.12% 1.11%

All rates and terms offered are subject to change without notice. A penalty will be assessed for premature withdrawal from share certificates.

Mortgage Rates

The following are the Mortgage Rates Effective 04/25/2022

30 year rate 30 year points 15 year rate 15 year points
5.00% 1.000 4.00% 1.000

Add .50% to above loans for jumbo mortgage ($647,200 and higher).

Loan Rates

Loan Term APR*
Signature (Unsecured)/Debt Consolidation 1-3 years
4-5 years
As low as 9.99%*
As low as 10.99%*
New Vehicle 1-5 years
6 years (over $15,000)
7 years (over $25,000)***
As low as 2.59%*
As low as 3.19%*
As low as 3.39%*
Used Vehicle 1-5 years
6 years (over $15,000)
7 years (over $25,000)***
As low as 2.59%*
As low as 3.19%*
As low as 3.79%*
Aircraft, Travel Trailer and Rec. Vehicle 1-6 years
7-12 years (over $20,000)
As low as 7.49%*
As low as 8.49%*
Boat 1-6 years
7-12 years (min of $25,000)
13-15 years (min of $25,000)
16-20 years (min of $25,000)
As low as 4.49%*
As low as 6.34%*
As low as 6.64%*
As low as 6.99%*
PAFCU Home Secured
1-5 years
2% Preferred APR* 7.90%
1% Preferred APR** 8.90%
Non Preferred APR 9.90%
6-15 years (over $7,500)
2% Preferred APR* 8.90%
1% Preferred APR** 9.90%
Non Preferred APR 10.90%
Overdraft Protection open 13.5%
Home Equity Line of Credit 6.375% variable
Mini Home Equity Loan 5.750% variable

*The above annual percentage rates (APR) are the lowest rates offered to applicants with direct deposit of net pay and a checking account. Applicants who are not approved at these rates or terms may be offered credit at a higher rate and/or different terms. All loan requests and rates are subject to credit approval. Does not apply to member with existing equity loans.
**Must meet IRS requirements for a home mortgage interest deduction. If we are first mortgage, first position lien.
***Current and previous year models.
All loan rates and terms offered are effective May 17, 2022 and are subject to change without notice.
Additional terms and conditions may apply.

About PAFCU

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