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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) 206-4600 x3037
110-31 Merrick Blvd.
Jamaica, NY 11433
Hours:
Mon-Fri: 9:00 a.m. - 4:30 p.m.
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
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% |
| 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, 2024.
All rates and terms offered are effective March 31, 2024 and are subject to change without notice.
The following are the Money Market Rates for the period ending 3/31/24
| Term | Annual Percentage | Rate |
| 2,500 to 24,999 | 0.50% | 0.50% |
| 25,000 to 49,999 | 0.70% | 0.70% |
| 50,000 to 99,999 | 0.85% | 0.85% |
| 100,000 & $249,999 | 1.21% | 1.20% |
All rates and terms offered are subject to change without notice.
The following are the Share Certificate Rates as of 4/6/2024
| Term | Annual Percentage | Rate |
| 3 Months | 2.54% | 2.51% |
| 6 Months | 4.41% | 4.32% |
| 9 Months | 4.23% | 4.15% |
| 1 Year | 2.93% | 2.89% |
| 2 Year | 3.34% | 3.29% |
| 5 Year | 3.17% | 3.12% |
| Building 1 Year | 2.93% | 2.89% |
| Education 1 Year | 2.93% | 2.89% |
| 12 Month Youth | 3.19% | 3.14% |
| 12 Month Young Adult Building | 3.19% | 3.14% |
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 Mortgage Rates Effective 03/26/2024
| 30 year rate | 30 year points | 15 year rate | 15 year points |
| 6.50% | 1.000 | 6.00% | 1.000 |
Add .50% to above loans for jumbo mortgage.
| 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 6.44%* As low as 6.54%* As low as 7.24%* |
| Used Vehicle / Refinance | 1-5 years 6 years (over $15,000) 7 years (over $25,000)*** | As low as 6.69%* As low as 6.99%* As low as 7.49%* |
| 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% |
| Mini Home Equity Loan | 9.00% 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 April 16, 2024 and are subject to change without notice.
Additional terms and conditions may apply.
About PAFCU
- Federally chartered in 1940
- Comprises 400+ Select Employer Groups (SEGs)
- Professionally managed and staffed
- Federally regulated and insured
- Federally and independently examined each year
- Every member account federally insured by NCUA, a U.S. Government Agency to at least $250,000
- Once a member, always a member
- $340 million in assets
- A member base of 36,000 national and worldwide
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