Unlike a bank, a credit union cannot offer its services to just anyone. You must share the common bond and be within its field of membership. Common bonds can center around employment, residence, or association. Our field of membership consists of the following:

• Employees of one of our Select Employee Groups.
• Immediate family members of an employee of one of our Select Employee Groups. Immediate family members is defined as a spouse, child, sibling, parent, grandparent and grandchild. This includes stepparents, stepchildren, stepsiblings, and adoptive relationships. Additionally, household member eligibility applies to persons living in the same residence and who maintain a single economic unit. This includes any person who is a permanent member of and participates in maintenance of the household (for example, two people sharing an apartment would be considered a household). Additionally, the immediate family member of each household member who joins could also join because eligibility is then tied to the member.

The employees of the following Select Employee Groups are eligible for membership at PALCO Federal Credit Union:

Advanced Drainage Systems (ADS), Muncy
American Legion Post 268, Muncy
Andritz, Inc., Muncy
Apple Hill Automotive, Muncy
Bostley's Child Care & Fairfield Academy, All locations
Brodart Inc, All locations
Clear Channel Radio, Williamsport
CRS Incorporated, Williamsport
Data Papers, Inc., Muncy
Gap/Old Navy, Muncy
Hess and Hess,P.C., Hughesville
Hill Brothers Farms, Muncy
Hugh Bubb Real Estate Appraisal Service, Williamsport
Janitors Closet, Williamsport
Joseph V. Grieco Jr. Agency, State Farm Insurance
K.C. Larson Mechanical & Electrical Contractors, Montoursville, Williamsport
Kellogg USA, Inc., Muncy
Keystone Bingo Supply, Muncy
Keystone Business Forms, Williamsport
Keystone Filler, Muncy
L-3 Communications, Williamsport
Lezzer Commercial Door, Williamsport
Lezzer Lumber, Muncy
Lycoming-Clinton Joinder Board
McClure Mechanical Services, Muncy
Mike Mussina Fan Club, Montoursville
Montgomery Plumbing Supply Company, T/A BI-LO Supply
Moose Athletic Gear, Montoursville
Muncy Creek Township Board of Supervisors, Muncy
Phillips Supply House, Williamsport
PJax Trucking, Muncy
PPL, Susquehanna Region
PPL Gas Utilities, Lock Haven
Polar Services Uniform Outlet, Williamsport
Sam's Club, Pennsdale
Servpro of Williamsport/Montoursville
Springs Window Fashions, Montgomery
Sunbury Generation, LLC, Sunbury
Tura, LP, Montgomery
Williamsport Electric, Inc., Montgomery
Wood's Garage, Williamsport
Woolever Brothers Transportation, Montoursville
Young Industries, Inc., Muncy

Once you have determined eligibility, simply visit the Credit Union, open a savings account, and deposit $25. This makes you a member and eligible for all PALCO's great services. It is not a fee to join – just a minimum required balance in your share savings account. This $25 must be maintained at all times to be in good standing. (Click here for driving directions)