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Get the Advantage 
Whether you are working toward a higher education, venturing
out on your own for the first time, or starting a brand new life,
PFCCU knows you have financial needs that are genuinely
unique. That's why we offer an equally unique program of
products and services designed especially for you with First
Advantage Plus. It's just the advantage you need to succeed.
How to start? Just open a First Advantage Plus Checking Account and Savings Account, and you'll have access to all our other great First Advantage Plus Benefits.
Checking Accounts
Your First Advantage Plus membership comes with a Free
Checking Account packed with extras. Open your account with no minimum balance and enjoy the many benefits of limitless checking:
- Unlimited Check Writing - Use all the checks you like.
- There are no per-check charges.
- Visa® Check Card (Debit Card) - This card also serves
as your ATM card. Use it instead of a check to pay for
groceries, dining, gasoline and more. It's welcome
anywhere VISA® is accepted, even when you're out
of town.
- ATM Services - Receive six free foreign transactions
(withdrawals and inquiries) in a calendar month.*
Free Online Banking and Free Online Bill Pay
You do everything else online - why not banking? With First Advantage Plus, you have access to it all - for free.
- Free Home Banking - do all your banking online, whenever it's convenient for you. It's all at www.postalfed.org
- Free Online Bill Pay
Guaranteed Student Loans
Click here for complete student loan details.
The thought of paying for a college education can be overwhelming.
And no matter how much you have saved, chances
are you'll need a low-cost financing option to help you reach
your goals. As a First Advantage Plus member, you are entitled
to something that can help you achieve your greatest dreams -
a guaranteed student loan.
PFCCU's student loan program offers a wide range of loans
under the Federal Education Loan Program, backed by the
federal government.
Need-based Loans (Federal Stafford Loans)
These loans carry low interest rates and payments are deferred until
six months after the student has graduated from school. Before you
can complete a Federal Student Loan application at your credit union
you will first need complete the Free Application for Federal Student
Aid (FAFSA). This form may be found at www.fafsa.ed.gov. Bring
your award letter to your PFCCU branch and we will take care of
the rest.
Non-need-based Loans (PLUS loans)
PLUS Loans (Parent Loan for Undergraduate Students) are credit
based loans offered through the government. These loans allow
parents to borrow up to the total cost of attendance, and are not
based on need. A capped variable rate (9%) makes this a low-cost
option. However, unlike need-based loans, repayment begins 60
days after the loan is received. With this option, there is no need
to fill out a government application. Come directly to us and we
will process your loan and have an answer for you in just days.
We know that your college experience can be a rewarding one -
and it doesn't have to be a financial burden. Remember, as a First
Advantage member, you are entitled to a guaranteed student loan.
It's our goal to help you reach yours. For more information and
resources, visit our Web site at www.postalfed.org.
To apply for federal student financial aid, and to apply
for most state student aid programs, students must
complete the Free Application for Federal Student Aid
(FAFSA). This form may be found at www.fafsa.ed.gov.
Auto Loans
PFCCU can help you get into a new or used car quickly and
affordably. Not only are our rates for new and used auto loans
attractive, but so are our loan services. We have several service
options available to help you prepare for your purchase.
- As a First Advantage Plus member, you may be eligible
for an additional.25% discount off our already low
auto loan rates!
- Low monthly payments
- Easy application options
- New and used financing available for trucks,
motorcycles and boats
- Flexible, extended terms available
- Purchases or refinances
- Get peace of mind with credit insurance,
GAP insurance and extended warranty coverage
VISA® Credit Cards
Open the door to worldwide accessibility with either
one of our money-saving VISA cards. Choose either
the definitive Classic Visa or the elite Platinum Visa.
- No annual fee.
- A 25-day grace period.
- Travel accident insurance is provided when
you purchase tickets with your VISA card.
- View your VISA history online thru our
home banking product.
Savings Accounts
Your First Advantage Plus membership comes with a great way to save for almost any goal, whether
you're juggling education expenses, saving for a new
car or moving into your first place.
Start your First Advantage Plus Savings Account with a minimum $25 deposit in
your First Advantage Plus Savings Account. Once
your balance reaches $100, you'll earn interest on
your entire account balance. Dividends are paid four
times per year, giving you money for your money.
- Dividends - Paid four times per year, giving you money for your money!
- ATM Services - Receive six free foreign transactions (withdrawals and inquiries) in a calendar month*
Account does not come with overdraft protection. Upon request, members may establish overdraft protection
through a savings account, a parent/guardian savings or checking account or any combination of the three.
*Applies to PFCCU's fee only. ATMs belonging to another financial organization may charge a surcharge.
PFCCU will charge a $1 fee for foreign ATM usage over the First Advantage Plus six free foreign ATM
withdrawals and balance inquiries in a calendar month from checking, savings or a combination of both accounts.
Available with approved
credit and a good account
history with PFCCU.
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