Members help members by pooling their money, which is then available to lend to their fellow members. Credit union income, after expenses and reserves, is returned directly to members in the form of lower rates on loans, higher dividends on savings and many no-fee services. Every primary member has a vote for the credit union’s Board of Directors, regardless of how much he or she has on deposit. There is no select group of shareholders or owners that profits more than anyone else. All members profit, individually and collectively.
More than 85 million Americans belong to credit unions. Research shows that consumers are more satisfied with credit unions than with any other financial service providers.
b) If you already set-up, sign in on the Polish-American FCU homepage (www.mypafcu.com or www.uniakredytowa.com). Just enter your Member Number and Password in the boxes provided and click Login.
c) The next screen will prompt you to answer one of the challenge questions you selected as part of your set-up for home banking.
d) Once you hit the Login button you will be logged into home banking and you will have access to your accounts and Bill Pay!
a) Save money while you pay your monthly bills – no more envelopes, stamps to buy or trips to the post office.
b) View past or pending payments.
c) Schedule payments quickly and easily anytime, anywhere you have online access.
d) Pay bills from multiple Polish-American FCU checking accounts.
According to the Federal Trade Commission, the only authorized online source is at annualcreditreport.com. Consumers should be aware that there are many sites out there that claim to offer “free” credit reports but often charge you for another product if you accept the report.