John LaRosa’s Letter to Members

PFFCU Makes Getting a Mortgage Easy. Plus, $500 Off Home Purchase Closing Costs!*

Whether you are buying your first home, your next home, or looking to refinance your current home, PFFCU is committed to providing you with the best mortgage to fit your needs.

PFFCU Mortgages offer no application fee, low rates, flexible terms, and an easy and convenient application process. Get a pre-approved PFFCU Mortgage Loan Commitment before you visit a real estate agent so your Mortgage closes faster. We have a convenient digital mortgage process so you can send, receive, and sign documents electronically to make the process even faster and easier! We lend up to 100% of the appraised value of the property. All of these great benefits are backed by superior member service from PFFCU Mortgage Advisors who work for YOU, not on commission, to provide outstanding personal service with no high-pressure sales tactics to help you select the best mortgage to fit your needs. In addition to the many benefits PFFCU Mortgages offer you, if you apply for a home purchase loan before August 31, 2018, we’ll take $500 off closing costs.*

Whether you want the best mortgage rates to buy your dream home, to refinance your current home, or for a Home Equity Loan or Home Equity Line of Credit to complete a long-awaited home-improvement project, PFFCU has a variety of options to fit your home borrowing needs. Plus, you may be eligible to receive up to $1,000 with our new Member Bonus Program.

Build Your Savings With Rates that Beat the Competition.

We are committed to providing members with outstanding rates and superior member service. We raised Certificate rates again at the end of May to offer both short and long-term savings options to grow your money faster. Our yields on Certificates, as well as on our Money Market and Premium Yield Account, continue to be 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.

1. All PFFCU APYs (Annual Percentage Yield) are effective as of 7/1/2018 and are subject to change without notice.
2. Competitors’ APYs are effective as of 6/13/18 and subject to change.


PFFCU Nominated for Best of Bucks County and Best of Burlington County–Credit Union!

Thank you for your support in nominating PFFCU as one of the top credit unions for the Best of Bucks County, PA and the Best of Burlington County, NJ. Bucks County Courier Times Newspaper and Burlington County Times Newspaper hold these award contests to provide their readership with information on the best of the best across a variety of businesses and services. Winners will be announced in September. Thank you for your confidence in PFFCU, we take great pride in providing our members with quality financial products at very attractive prices, delivered with superior Service, Value and Convenience and we appreciate your recognition of our efforts. Thank you for also helping us achieve the Best of Philly award for Best Bank/Credit Union in 2017.

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

This year, 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 us 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.

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


* $500 off closing costs available for first mortgage purchase transactions only; refinances do not qualify. First mortgage purchase products are available for loans up to $1 Million. This offer is not available on new construction or investment property loans. The offer applies to loans with a completed application date between June 11, 2018 through August 31, 2018, and closing date on or before December 31, 2018. The $500 closing cost credit cannot exceed the actual amount of closing costs (after deducting any applicable seller credits) and prepaid interest and escrow reserves. The discount will be applied at closing as a lender credit and reflected on the Closing Disclosure. Offer is subject to credit approval and underwriting and is subject to change without notice. No other discounts apply; cannot be combined with any other offers. Contact us for details.
** 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 with the exception of IRA accounts. The Member Bonus for interest earned on an IRA account will be deposited directly to the IRA share 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. The Member Bonus may be taxable and a portion will be included on a 1099-INT form for 2018.


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