Welcome to
People's Alliance Federal Credit Union
Mobile Banking
Some card, ATM, and digital services (including Zelle®) may be temporarily unavailable from 7:00 AM – 8:00 AM ET.
We appreciate your patience and recommend completing any transactions before or after this timeframe.
Welcome to
People's Alliance Federal Credit Union
Mobile Banking
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.
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
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
Phone: (718) 657-0164
110-31 Merrick Blvd.
Jamaica, NY 11433
Hours:
Mon-Fri: 9:00 a.m. - 4:30 p.m.
Phone: (305) 261-1255
5757 Waterford District Dr
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
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
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
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
| Share Account | Minimum Balance* | Annual Percentage Yield | Rate |
| Prime Share Account | $50.00* | 0.10% | 0.10% |
| VIP Checking | none | 0.05% | 0.05% |
| Escrow Accounts | $50.00* | 0.05% | 0.05% |
| IRA | $50.00* | 0.17% | 0.17% |
| Health Savings Acct | none | 0.10% | 0.10% |
*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 June 30, 2025.
All rates and terms offered are effective June 30, 2025 and are subject to change without notice.
The following are the Money Market Rates for the period ending 9/30/2025
| Term | Annual Percentage | Rate |
| 2,500 to 24,999 | 0.40% | 0.40% |
| 25,000 to 49,999 | 0.50% | 0.50% |
| 50,000 to 99,999 | 0.55% | 0.55% |
| 100,000 & $249,999 | 0.70% | 0.70% |
| $250,000 and above | 0.85% | 0.85% |
All rates and terms offered are subject to change without notice.
The following are the Share Certificate Rates as of 11/1/2025
| Term | Annual Percentage | Rate |
| ***SPECIAL Share Certificate Rates*** | ||
| 11 Month Special | 3.56% | 3.50% |
| 18 Month Bump Up | 3.14% | 3.10% |
| 3 Months | 2.16% | 2.14% |
| 6 Months | 3.82% | 3.75% |
| 9 Months | 2.66% | 2.63% |
| 1 Year | 2.04% | 2.02% |
| 2 Year | 2.29% | 2.27% |
| 3 Year | 2.49% | 2.46% |
| 4 Year | 2.29% | 2.27% |
| 5 Year | 2.54% | 2.51% |
| Building 1 Year | 2.14% | 2.12% |
| Education 1 Year | 2.14% | 2.12% |
| 12 Month Youth | 2.29% | 2.27% |
| 12 Month Young Adult Building | 2.29% | 2.27% |
| Lucky Savers | 2.04% | 2.02% |
All rates and terms offered are subject to change without notice. A penalty will be assessed for premature withdrawal from share certificates.
The following are the Fixed Mortgage Rates Effective 9/24/2025
| Term | Rate | APR** | Points |
|---|---|---|---|
| 30 Year | 5.875% | 5.93% | 0 |
| 20 Year | 5.75% | 5.82% | 0 |
| 15 Year | 5.625% | 5.72% | 0 |
| 10 Year | 5.375% | 5.51% | 0 |
**APR = Annual Percentage Rate. APR based on a $200,000 conventional loan.
Loan Rates |
| Financing for non-commercial vehicles only. |
| Loan | Term | APR* |
|---|---|---|
| *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 October 28, 2025 and are subject to change without notice. Additional terms and conditions may apply. |
||
| Signature (Unsecured)/Debt Consolidation - Apply Now | 1-3 years 4-5 years |
As low as 9.74%* As low as 10.74%* |
| New Vehicle - Apply Now | 1-5 years 6 years (over $15,000) 7 years (over $25,000)*** |
As low as 5.60%* As low as 5.85%* As low as 6.45%* |
| Used Vehicle / Refinance - Apply Now | 1-5 years 6 years (over $15,000) 7 years (over $25,000)*** |
As low as 5.95%* As low as 6.15%* As low as 6.75%* |
| Aircraft, Travel Trailer and Rec. Vehicle - Apply Now | 1-6 years 7-12 years (over $20,000) |
As low as 7.49%* As low as 8.49%* |
| Motorcycles, Jet Ski, & ATV | 1-3 years 4-5 years 6-7 years (over $15,000) 7 Year current rate & 1 yr prior model only |
As low as 5.99% As low as 6.24% As low as 6.49% As low as 6.49% |
| New Boat - Apply Now | Up to 72 months 84-122 months 156-180 months 192-240 months |
As low as 7.49%* As low as 7.24%* As low as 6.99%* As low as 6.74%* |
| Used Boat - Apply Now | Up to 72 months 84–122 months 156–180 months 192–240 months |
As low as 7.99% As low as 7.74% As low as 7.49% As low as 7.24% |
| 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% |
||
| Education Loan | Variable | 8.125% |
| Overdraft Protection | open | 13.5% |
| Mini Home Equity Loan | 7.375% variable | |
| Variable Equity Line of Credit | 5.99% | |
| Fixed Home Equity Loan | 7.85% to 9.30% Fixed | New Loans* |
| Fixed Home Equity Loan | 6.99% to 7.125% Fixed | New Loans 1st position** |
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All Rights reserved.