John LaRosa’s Letter to Members

PFFCU Member Bonus: Receive up to $1,000.

This year, in addition to the many other benefits of PFFCU membership, we plan to return a portion of our income to our members with our new Member Bonus Program.* All members in good standing are eligible to receive up to $1,000! Your exact Member Bonus will be determined by the amount of interest we pay you on deposits, the interest you pay us on loans, and the amount of courtesy overdraft fees you pay. As a member, you may earn 5-10% of your loan interest paid and 5-10% of your deposit interest earned. We also know that overdrafts happen to even the most careful of people, and we will be returning 5-10% of your paid courtesy overdraft fees. It’s our way of saying we value your membership and thank you for your business.

We invite you to maximize your Member Bonus by doing more business with PFFCU. Simply stop by any PFFCU branch or call Member Service at 215-931-0300 or 800-228-8801. The Member Bonus Program will be paid in December 2018. The exact amount to be paid to members won’t be known until November 2018 and is dependent upon PFFCU’s financial performance during the year and final approval by the Board of Directors. Learn More

PFFCU Awarded Best of the Best Credit Union for Consumer Lending!

PFFCU proudly announces our designation as a MemberXP 2018 Best of the Best Credit Union for Consumer Lending Experience! We take great pride in providing our members with quality loan products at attractive prices delivered with superior Service, and thank MemberXP for recognizing our efforts.


Secure: Your PFFCU Credit Card, PFFCU Debit Card and Account Information

Your PFFCU Visa Credit Card and Debit Card have various fraud detection and prevention measures in place to ensure your security. We employ software to spot suspicious activity so we can limit a thief’s use of a member’s card. Unfortunately, the software will sometimes deny a legitimate transaction that is outside your normal spending pattern in its attempt to stop fraudulent transactions. If a fraudulent charge occurs, rest easy knowing you have $0 liability on unauthorized purchases when you report the problem promptly.

Your PFFCU Visa Credit Card and Debit Card are chip-enabled to provide an additional layer of security. Whenever possible, use the chip-enabled card reader at checkout instead of swiping your card at the terminal. It reduces the chance your card will be compromised. Using the chip feature also reduces the likelihood our fraud monitoring software will deny the transaction. The fraud monitoring software considers a swiped transaction more likely to be fraud if it is done with a chip card. Most point-of-sale fraud transactions are swiped transactions, not chip transactions.

Let PFFCU Know When You’re Traveling.

It’s very important to ensure we have your cell phone number on file so we can contact you in a timely manner if there is an issue with your card. Due to higher fraud risks abroad, if you are planning on using your PFFCU Visa Credit or Debit Card in other countries, you need to call PFFCU before you travel. The use of your PFFCU Visa Credit Card or Debit Card is not permitted in some countries. For a list of those countries where your card may not work, visit Even when traveling within the United States, it is best to notify PFFCU if you plan to use your PFFCU Credit or Debit Card while traveling outside of your general area. Our fraud detection software will alert PFFCU and a transaction may be blocked for your protection when your card is used for purchases that are outside of your normal purchasing pattern.

PFFCU card data has never been compromised, but many merchants and payment platforms where members have used their card have been. When we are notified that a merchant where members have used the card has been compromised, we take immediate precautionary steps to prevent fraud.

Partnering together we can work to ensure your privacy and prevent fraud.

Savings Rates that Beat the Competition

PFFCU raised rates again at the end of March to continue to offer you great short and long term savings rates so you can grow your money faster. Our yields are superior to the competition. We make it easy for you to open an account or transfer funds from other financial institutions. Simply stop by any PFFCU Branch, call 215-931-0300 or 800-228-8801 to speak to a Member Service Representative, or visit us online at

1. Rates effective 3/26/2018 and are subject to change. Annual Percentage Yields (APYs).
2. Competitors’ account information is based as of February, 2018.

Thank you for your continued support of PFFCU. The Board of Directors and I are committed to continuing to earn your Trust by providing superior Service, Value, and Convenience. However, if you are not satisfied with the service you are receiving, please ask to speak to a PFFCU manager to address your concern immediately or email me at or write to me at PFFCU, 901 Arch Street, Philadelphia, PA 19107.


Chief Executive Officer and Treasurer of the Board of Directors


* The Police and Fire Federal Credit Union Member Bonus Program is subject to change at any time, without notice. The Member Bonus amount, when paid, is dependent on Police and Fire Federal Credit Union’s financial performance and is not guaranteed. The Member Bonus is based on deposit interest earned, loan interest paid, and courtesy overdraft fees paid January 1, 2018 through November 30, 2018. First mortgages sold to Fannie Mae and Student Loans are not eligible for the Member Bonus. To receive the Member Bonus, you must meet all eligibility criteria and be a member in good standing on the deposit date in December 2018. When paid, the Member Bonus will be deposited into the S0001 Savings Account. Member Bonus payout requires that you must have accumulated enough deposit interest, loan interest or courtesy overdraft fees to qualify for at least a $1 Member Bonus. Maximum Member Bonus payout is $1,000. A portion of the Member Bonus is taxable and will be included in a 1099-INT form for 2018.


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