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| Mortgages* |
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| Whether you are financing your first home or looking to buy a larger one, you'll be satisfied and reassured with our low rates and flexible terms, helping you get more home for your money! Pre-approving your mortgage with Palisades makes it easy to shop for the home you will love and can afford. Our experienced staff will walk you through the entire mortgage process. |
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| Home Equity, Auto Equity Loans and Lines of Credit* |
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| The money you need may be in your own backyard. We have home equity loans and lines of credit to meet all your borrowing needs. You can even refinance an existing home equity loan or line of credit, saving you hundreds of dollars each year.
*Principal residence or second home in NY, NJ, MA & CT. Rates are subject to change. Some restrictions may apply for refinancing PFCU loans.
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| Interest only Home Equity Loan |
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| An Interest only Home Equity Loan could reduce your initial monthly payments to give you more cash in your wallet now. You pay the interest on the mortgaged amount for a fixed term and at the end of the loan you can either refinance the outstanding principal or pay the balance off in one lump sum. |
| Credit Card Member Service |
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On August 30th, Palisades FCU will be offering its members a new Platinum MasterCard program, as well as a new Platinum MasterCard Rewards program. At this time, our VISA credit card program is no longer available.
If you have any questions regarding this change, or you would like to learn more about our new MasterCard program, please call our member service call center at 845-602-4242 and you will be directed to appropriately.
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| Debit Card Service |
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A Visa Debti Card is issued to members that have a PFCU checking account.
To report a lost or stolen VISA debit card, please call 1-800-472-3272.
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| Secured Loans (Savings, Term Certificate) |
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| Save money by borrowing against your savings or term certificate of deposit. It is a great way to borrow without depleting your savings or redeeming your certificates. |
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| Personal Loans |
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| You can qualify to borrow up to $30,000 for a loan or a line of credit with just your signature and good credit. Borrow what you need for any reason, take a vacation, buy a computer, replace business equipment and more! |
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| Overdraft Lines of Credit |
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| An overdraft line of credit is accessed through your checking account. You can withdraw cash using your VISA Debit card or by writing a check for more than your available balance. Your minimum monthly payment is automatically deducted from your checking account every month. |
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| Education Loans |
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| Don't let money stand in the way of your success. Call or stop by the credit union to discuss the many ways to finance an education. We will explain the types of loans available and how they work.
In addition to Federal Student Loans we also offer a Palisades FCU "ExpressStudent Loan" which is an alternative educational loan. Here are some of the details:
- Borrow up to $30,000 (minimum disbursement $2,000)
- Take 15 years to repay
- Low variable rate (**Prime + 0.00%) which adjusts annually on September 30th
- Simply provide a copy of the school's invoice and schedule
- Loan proceeds will be payable to the school and our member
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| Federal Direct Student Loans click here for more information |
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| Automatic Loan Payment |
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| Loan payments can be made automatically with payroll deduction at no extra charge. If your employer does not offer payroll deduction, ask us about our automatic transfer option. |
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| Any Hour Loan by Phone |
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Apply for a loan when you want to, 24 hours a day, 7 days a week, by simply calling our ANY HOUR LOAN by Phone number at 877-230-PFCU (7328).
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**Prime is a variable rate and adjusts annually on September 30th. StudentExpress Loan has a maximum rate of 17.99% and a minimum rate of 6.99%.Please go to our loan rate chart for current rates.
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