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At PALCO Federal Credit Union, we are improving the accessibility and usability of our website for our members and potential members. Our efforts are based on the standards for Web Content Accessibility Guidelines 2.0. It is our policy to ensure that persons with disabilities have full and equal opportunity to benefit from our services on our website and on other online services. If you have any questions or need help with any content on our website or online services, please contact us at 570-546-2333 or email us at info@palcofcu.org.


Limited Time - Additional 1/2% OFF Your Auto Loan Rate!
Take an additional .50% off your new and used auto loan rate from January 1st through March 31st! Not in the market for a new car? No problem. You can still take advantage of this promotion by refinancing your current auto loan rate from another financial institution with PALCO! It's quick and easy - apply online today!

APR = annual percentage rate. Applies to any vehicle loan financed between 1/1/18 - 3/31/18. Borrower receives a 1/2 of one percent reduction in their interest rate for the life of the loan. For complete details click here. To see our current auto loan rates click here.



5.9% APR For the Life of the Balance Transfer
Those credit cards you're carrying around may be fattening up more than your wallet - they may be supersizing your debt. If you're trying to manage your money, you need to pay attention to how much interest you are paying on your debt. Take charge and consolidate today! Transfer your high interest credit cards to your PALCO Visa for only 5.9% APR for the life of the balance transfer!

This is a limited time promotion - increase your current PALCO Visa credit limit, up to $25,000, and download our balance transfer authorization form today to begin saving!

APR = annual percentage rate. For complete details click here.



Card Valet Informational Website


Share Savings Limitations A.K.A. Regulation D
Federal Reserve Regulation D is a directive of the Federal Government, not of PALCO Federal Credit Union, and applies to all financial institutions. It sets the limit on the number and type of transfers/withdrawals from Savings, Additional Savings or Money Market Accounts to six per month. Transfers or withdrawals, for purposes of this limit, include preauthorized, automatic transfers (including but not limited to transfers from your savings for overdraft protection or for direct bill payments) and transfers and withdrawals initiated by telephone, facsimile, or computer. A preauthorized transfer includes any arrangement with us to pay a third party from your account upon oral or written orders including orders received through the automated clearinghouse (ACH/EFT).

How does this affect you? If you make frequent withdrawals or transfers from your Savings Accounts, Reg D limitations could possibly result in denied/returned transactions on your account. Each month you are permitted 6 transfers/withdrawals from each Savings Account. To make a transfer/withdrawal after Reg D has been exceeded, additional withdrawals or transfers can be made in person, by mail, or at an ATM and not impact your Regulation D limit. For more information and tips on how to avoid exceeding limitations click here.



2018 Members Helping Members Scholarships Available
PALCO's Scholarship Committee will be awarding two $1,000 scholarships to qualifying student members. Must be a graduating high school senior entering an accredited college, university, or other recognized institution of higher learning full time in the 2018-2019 school year. Applicants must be in good standing for at least 6 months and can apply by submitting the application and fulfilling the requirements. Applications and all other requirements are due no later than April 27, 2018.

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