Important: New Home Banking System Launched May 23

All members that access their PAFCU account online are now required to reregister for home banking.

We always strive to improve the convenient services provided to our members. That's why we are reminding everyone that our online banking system and mobile app are getting a makeover.

Here's what happened, as of May 23:

1. Our current online banking system and mobile app have been upgraded.

2. The new system requires members to re-enroll for home banking.

3. Download our new mobile app from your cell phone. See the download instructions below.

Your current bill payment information will automatically transfer to the new system.

Click here for detailed instructions to sign up for home banking.


How to Download the New App:

Apple Devices: Go to the Apple iTunes Store, type "Polish American Federal Credit Union," and follow the download steps.

Android Devices: Go to Google Play Store, type "Polish American Federal Credit Union," and follow the download steps.

Click here for detailed instructions to sign up for our mobile app.

If you need assistance, please call us at (248) 619-0440 or (313) 365-1000. You may also stop by one of our branches for in-person assistance.


Branches Closed Monday for Memorial Day

Our branches will be closed on Monday, May 27, in honor of Memorial Day.

We thank all that gave the ultimate sacrifice while serving our country.


Members Received Rebate for 2023 Loans!

Our Board of Directors is saying "Thank you" to our members - once again - for trusting PAFCU with their consumer loan in 2023.

To show our gratitude for their loyalty, members with a vehicle or signature loan in 2023 received a cash deposit into their PAFCU share account on December 18. Qualified members* received up to $800 just for supporting the only credit union serving Metro Detroit Polonia.

We know many competitors are always asking for your business. Yet the members have shown support for the credit union. In turn, we can help support members with great rates while donating to local non-profit organizations in the Polish community.

We're thrilled to reward this loyalty with a cash rebate for the sixth consecutive year!

*The rebate amount members receive depends on the number of months the loan was active during 2023. This rebate is not guaranteed to continue. The credit union will consider the offer again if PAFCU performs as well in 2024. Any member who was delinquent with payment in 2023 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. 


Refer a New Member to PAFCU & Earn Up to $100

Friends don't let friends bank.

However, they do refer them to an excellent credit union like PAFCU.

Refer a friend or family member to become a new member with us, and you and the new member will cash in!

When the new member opens a savings account, you both earn $50. When they open a Preferred Checking Account and perform enough debit card transactions, you will receive $100!

Learn much more here.


Member Savings Now Insured Up to $500,000

We are excited to announce that PAFCU members are now eligible to have their share certificates and money market accounts insured up to $500,000.

Members do not have to notify the credit union to receive this extra protection.

The NCUA insures other accounts for $250,000. This special coverage is through Excess Share Insurance (ESI) and is provided by PAFCU to offer members a greater peace of mind.


Security Layers Added to Home Banking

Members using our convenient home banking system now have an extra layer of protection to guard their information.

Members are now required to receive a verification code each time they enter home banking.

Please follow these instructions to log in to your account.

Personal Computer Login

> During login, the system will ask you to click "Send Passcode".

> You will quickly receive an email with a one-time code.

> Enter the passcode within the email and click "Validate".

> You should now be in the home banking system.

Mobile App Login

> The first screen will say "MFA options. Select MFA option to receive OTP." *

> Your email address will also appear on the screen.

> Tap the blue circle with the check mark.

> You will quickly receive an email with a one-time code.

> Under OTP, enter the passcode and press the blue circle.

> You should now be in the home banking system.

We understand this permanent step may not be convenient. However, this validation step has been implemented to protect our members' vital information further.

PAFCU has not had any security breaches. This extra step is intended to keep our system up-to-date and provide further peace of mind for our members.

Note to ATT.Net and Email Users

Members using these email addresses address may not be receiving the confirmation code.

While we work with our home banking provider and these companies to fix this issue, we suggest that members use another email address (such as Gmail or Yahoo) to align with their PAFCU account.

If you need further assistance, please call us at (248) 619-0440 during regular business hours.

We apologize if this poses any inconvenience.

*MFA = Multi-Factor Authentication. OTP = One Time Password.


Your Funds Are Safe and Secure at PAFCU

Despite the news about a few bank failures, Polish-American Federal Credit Union members should understand that their money is safe and secure.

PAFCU is federally insured by the National Credit Union Administration (NCUA), the government agency constantly monitoring and regulating all federal credit unions.

Your funds are insured for up to $250,000 per person. PAFCU is also a well-capitalized credit union, regularly examined and audited for financial safety.

Though the national news about the banking industry has recently been in the headlines, members should be assured that their funds are safe and secure with PAFCU.


PAFCU Sends Over $63,000 to Help Ukrainian Refugees in Poland

Over $63,000 has been raised to aid Ukrainian refugees in Poland following a fundraiser through Polish-American Federal Credit Union (PAFCU).

PAFCU has matched all donations from public contributions for this growing humanitarian cause. Funds are being sent directly to the Polish Red Cross.

Over 2.6 million Ukrainian refugees have sought refuge in Poland since the Russian invasion of Ukraine in March 2022.

“The community is generously answering the call beyond our expectations,” PAFCU President John Swidwinski said. “Poles know first-hand the devastation of war, and we certainly empathize with the plight of all Ukrainians.”

PAFCU has a legacy of reaching out to organizations in need, yet this is the most significant financial contribution in PAFCU’s 46-year history.

“The Ukrainian refugee situation in Poland is dire, and we are proud to be a catalyst to help. As long as there is a need, the credit union will continue to accept donations,” said Swidwinski.

Please see the video on our home page capturing this special event.


Hamtramck Branch Hours

Please note our Hamtramck Branch has shorter service hours on Wednesdays and Thursdays.

The hours on Wednesdays and Thursdays are 9:30 a.m. - 1:30 p.m.

No other hours have changed. Our Troy Branch hours will remain the same.


We Can Help You Send Wire Transfers Easily

Come into one of our branches, and our staff can wire transfer to a friend or family member in another both safely and quickly.

Enjoy peace of mind by allowing us to handle your important delivery.

Domestic wire transfers are $20, and foreign wire transfers are $40.


Do You Have Our Mobile App Yet?

Our redesigned mobile app has been designed to make your life more convenient!

You'll find the new app easier to navigate and read and more powerful to do almost anything with your PAFCU accounts.

How to Download the New App:

Apple Devices: Go to Apple iTunes Store, type “PAFCU” and download our new mobile app.

Android Devices: Go to the Google Play Store, type “PAFCU” and download our new mobile app.

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