Polish-American Federal Credit Union

Troy, MI

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Routing Number: 272486407 | NMLS #479575

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Important Notice For Online Banking Users

July 8, 2019

To ensure you experience online banking without any interruptions, please be sure your internet browser is up to date.

Please be sure you are using one of these browsers:

  • Internet Explorer (10+)
  • Chrome
  • Firefox
  • Safari
  • Opera

Internet Explorer may require you to enable TLS 1.2 manually. This is performed with the following steps:

  1. Under “Tools”, select “Internet Options”. Select the “Advanced” tab, and scroll down to “Use TLS 1.2” and check the box.
  2. Click “Apply” and “OK”.
  3. Also, under “Control Panel” on the computer: Find the Java icon and click. Next, select  the “Advanced” tab and scroll down to Use TLS 1.2. Check the box. Finally, click “Apply” and “OK”. The recommended Java version is Version 8 Update 65. The Java should be updated to this version as well, though some older versions of Java may still work.

The other browser  use TLS 1.2 by default.

If you currently access our online banking smoothly, please disregard this notice.

Filed Under: News

Members Receive 20% Cash Rebate on Interest!

July 8, 2019

PAFCU Gives Cash Back for 2018 Personal Loans!

Some might say 2018 was a good year for the credit union.

That’s not quite accurate. 2018 was a great year!

Since saying “Thank You” to our members just didn’t seem like enough, PAFCU’s Board of Directors authorized a cash rebate equal to 20% of interest members paid in 2018 on their non-mortgage loans.

That’s right! Members who had a vehicle loan, personal loan, or an unsecured line of credit in 2018 received a cash deposit into their share accounts in December. Cash rebates ranged from $5 to more than $800, depending on how much loan interest members paid in 2018.

We truly appreciate your support for the only credit union formed to help the Polish community.

*The rebate amount members receive depends on the number of months the loan was active since January 2018. If your loan began during another month of the year, the amount will reflect the corresponding rebate.

This rebate is for 2018 loans only.  Any member that was delinquent with a payment in 2018, or caused the credit union a loss, is not eligible for this rebate. Mortgages, home equity loans/lines, and credit card loans are not included. Minimum qualifying rebate amount is one cent. The credit union may consider the offer again in 2019 but the rebate is not guaranteed.

Not a member of Polish-American Federal Credit Union? Click here for more information!

 

Filed Under: News

Preferred Checking Pays You More!

July 8, 2019

Have a checking account elsewhere?

Is it paying you up to $225 a year in interest?

If not, it’s time you switch over to our our Preferred Checking Account!

Follow these simple steps and your Preferred Checking Account will begin to earn 3.03% APY* on the first $7,500 of your balance:

*Perform at least eight debit card transactions each month. These must be point of sale signature (credit) transactions where a PIN is not required. Online purchases are eligible.

*Establish Direct Deposit/ACH with PAFCU.

*Receive your monthly statement electronically through eStatements.

Members will receive the 3.03% APY begins with the first dollar deposited. Balances above $7,500 will receive the regular .05% APY. Members not meeting all aforementioned criteria will also receive .05% APY.

Please note: Members must sign up for Preferred Checking. If not, the regular checking account (and rate) will remain active.

APY = Annual percentage yield.

Filed Under: News

Celebrate & Share Your Polish Heritage!

June 5, 2017

Refer Us to Your Family and Friends!

If you believe we’re taking good care of your financial needs, share your proud Polish heritage by referring your family members and friends to Polish-American Federal Credit Union!

When you do, we’ll give $100 to you and the new member you sent our way if they become an active debit card user. If the person opens a savings account only, we’ll still give both of you $50!

Hurry! This offer expires July 31, 2019!

We would be honored to provide your family and friends with a unique banking experience unlike any other financial institution.

Filed Under: News

The Driver’s Seat: Deciding on Buying a New or Used Car

July 1, 2016

There’s nothing quite like the feeling of driving away in a new car. However, members should consider a few things before stepping on that accelerator.

Costs

There are a lot of factors that go into determining the cost of a car.  There’s the monthly cost, the overall cost, the cost of insurance, maintenance/repairs costs and depreciation.

Used Cars

The price for most used cars can save members a bundle. However, there are a few drawbacks to remember. Used cars are cheaper initially but perhaps not in the long run. Financing rates usually run higher, too.

Regardless of the age of the vehicle and how well it’s been maintained, parts will wear out sooner in a car with a few years under its belt. Maintenance and replacement parts costs will also be higher than those of a new vehicle. This can also bump up insurance rates. If possible, buy a car from someone you know that can give you an honest history of the vehicle.

New Cars

Financing rates on new cars are usually lower because they’re worth more than a used car. Manufacturers often offer rebates and cash incentives for new cars that you can’t find in the used-car market. But when it comes to financing, a credit union offers rates that are usually better than a dealership and average 1% lower than a bank loan.*

You’ll need to consider depreciation, too. The value of a car can drop from 10 – 40% or more in a new car’s first year.

Get Pre-Approved

Contact us before you make that deal. It’s easy to get carried away with the excitement, especially with an eager salesperson trying hard not to let you get away with signing something.

Learn how much you can comfortable afford before you ever step on a car lot. Dealerships have a way of working deals based on a monthly payment, rather than rate. Salespeople will typically ask what kind of monthly payment you’re comfortable with paying. Unfortunately, customers often wind up with a higher rate than they deserve. In the end, customers will pay hundreds of dollars more than they should.

You can find out how much you can afford by calling us today at (248) 619-0440 or (313) 365-1000. We would be happy to run some numbers for you, giving you the advantage against the dealers.

*Rate average based on 48-month used car loan.

Filed Under: Blog

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LOCATIONS

TROY
Phone: (248) 619-0440

2889 E. Maple Troy, MI 48083

HAMTRAMCK
Phone: (313) 365-1000

11905 Joseph Campau
Hamtramck, MI 48212

BRANCH HOURS

Mon-Thu 9:30 am – 5 pm
Friday 9:30 am – 6 pm
Saturday 9:30 am – 1 pm
Sunday Closed

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