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Earn a $50 Bonus with a New Freedom Checking & Direct Deposit
There is no faster or easier way to access your money than with PALCO's Freedom Checking Account and Direct Deposit of your paycheck! And now earn a $50 bonus for opening a new Freedom Checking account with Direct Deposit - download Freedom Checking application. With Freedom Checking & Direct Deposit:
  • Funds are available to you IMMEDIATELY upon deposit
  • There is NO WAITING in line to deposit your check
  • FREE checks, FREE Online Banking, FREE Bill Pay, FREE Mastercard Debit Card
  • NO transaction fees or monthly fees, NO minimum balances & Surcharge FREE access to over 50,000 ATMs

This offer is only good on opening of a new checking account (current checking account members are not eligible, must qualify for account). Direct deposit must be initiated within 30 days of opening checking (incentive is not paid until first direct deposit is received). Checking must remain open for 12 months with direct deposit or the $50 bonus will be deducted from the account balance during closing. Offer begins 4/1/15 and ends 9/30/15.

PALCO offers very competitive rates with affordable 100% financing options for both new and used vehicles. We'll give you the flexible financing necessary to get you into the car, truck, motorcycle, or RV of your dreams. We can also refinance your current high interest auto loans from other financial institutions for a lower rate saving you valuable money! Call one of our loan officers today at 570-546-2333 option #4 or apply online from the convenience of your home!

With our new electronic signature software it's now easier than ever to get your loan with never having to step foot into the office! Check out our Complete Car Buyer's Website - AutoSMART - where you can search extensive auto inventories of dealers in the area for new, used, or pre-owned, compare vehicles, find trade in values, easy-to-use monthly budget calculators and apply for a loan...all in ONE easy spot!

*APR=Annual Percentage Rate.

Are you between 13 and 18? Well then... Claim Your Youth!
Claim Your Youth is designed for our teen members. Our Claim Your Youth Website offers advice on how to take control of your finances, with topics and content that is relevant to you. Empowering young adult members to be in control of your financial future! The site contains tools, tips, resources, and a multitude of calculators (automobile affortability, auto loan payment, credit card minimum payment, debt, debt payoff goal, gas budget, loan payment with amortization, periodic deposit, savings goals and more to help you understand the numbers).

You will also receive the semi-annual newsletter packed with financial information just for you. Get published in the Claim Your Youth Newsletter or online! Submit articles with the opportunity for your work to be published online with a few select articles chosen for the printed newsletter. If your article is published in the Claim Your Youth newsletter, you'll get $100 and your school's Journalism or English department will receive a $50 donation. Check out the details on Claim Your Youth!

Help Stop Merchant Data Breaches
Unfortunately data breaches continue to grow. When a data breach occurs, the merchants are not required to pay the costs to send individuals their new cards and generally pay none of the fraudulent charges an individual may have on their cards or accounts. In fact, when merchants are responsible for the breach, they are rarely required to pay ANY costs incurred by others. Who is stuck paying these costs for data breaches? Your Credit Union and ultimately, credit union members like you. Please read this letter from our President regarding how you can help STOP merchant data breaches and please visit "Stop the Data Breaches" website.

Notice of Fee Schedule Changes - Effective August 1, 2015
As you know, PALCO prides itself in keeping the fees that we do charge as low as possible. Effective as of August 1, 2015 fees have changed on the following: Debit and/or Credit card replacement, Debit/Credit card replacement rush order, Certified/Cashier's Check, Bad address fee, Dormant account fee and Subordination agreements. To see the full schedule of fees click here.

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