Policies and Disclosures

Police and Fire Federal Credit Union offers a wide variety of products and services delivered with superior Service, great Value, and Convenience—Trust PFFCU for all of your financial needs.

Please read the following agreements, policies, disclosures, and notices. You may print and keep them with your other important account information.

Disclosure Documents

General Agreements and Disclosures

These Agreements and Disclosures are for Share Accounts, Share Draft Accounts, Certificate Accounts, and include Electronic Services Agreement and Disclosure, Funds Availability Policy, Wire Transfer Agreement, and Privacy Policy Disclosure. Click Agreements and Disclosures to view or print the PDF.

General Disclosures Regarding the PFFCU Website and Online Banking

Anything you see, hear, read or download from this website is made available to you in the spirit of sharing with members of the Police and Fire Federal Credit Union and potential members of PFFCU. We continually work hard, to ensure that all the information contained in the website is current, accurate and usable. This information should be construed only as a guideline. PFFCU is not responsible for errors contained in this website including, but not limited to, rate information. Notwithstanding any information that may be contained in the website, PFFCU policies, procedures and actual rates, approved by the Board of Directors, are in effect. All PFFCU information, including, but not limited to, rates, yields and offers, and information contained in this website, is subject to change, at any time, without notice.

Before relying on, or using any information contained in the PFFCU website that you feel may be questionable, you should email memberservice@pffcu.org or call at 215-931-0300 or 800-228-8801, to ask for additional information.

All software or other services that we provide directly for use, or that is created by third parties under contract with PFFCU and is provided on our site, is offered subject to the terms, conditions, warranties and disclaimers listed above. Additionally, all services, products and information are provided “as is”.

All links or other connections to other websites, or mention or reference to other websites, or mention or reference to other companies is solely for informational purposes to PFFCU members, and should not be construed as an endorsement of relationship other than what is plainly stated where such connection is made. If PFFCU provides a link or connection to third party websites, it does not take responsibility for the content of the third party websites. PFFCU does not represent either the third party or you, the member, if you enter into a transaction with the third party. Privacy and security policies of third parties may differ from those of PFFCU.

Fair Credit Reporting Act Disclosure

In this notice, we are required to advise you of our disclosure policy under the Fair Credit Reporting Act. The Fair Credit Reporting Act governs the sharing of information that may impact upon you for certain purposes, such as credit collections and insurance. We learn information about you from our experience with you and from information provided by others, such as through credit reports. The Fair Credit Reporting Act permits us to share information we learn from our experience with you with others, including credit reporting agencies. We may also share information provided by others unless you direct us otherwise. If we elect to share information about you provided by others for a purpose under the Fair Credit Reporting Act, we will give you a separate notice of our intention to do so and the right to direct us not to share the information.

If you have any questions regarding the Credit Union’s Privacy Statement, please do not hesitate to contact us.

Equal Housing Lender Notice

 Equal Housing Lender
UNDER THE FEDERAL FAIR HOUSING ACT IT IS ILLEGAL, ON THE BASIS OF RACE, COLOR, NATIONAL ORGIN, RELIGION, SEX, HANDICAP, OR FAMILIAL STATUS (HAVING CHILDREN UNDER THE AGE OF 18), TO:

Deny a loan for the purpose of purchasing construction, improving, repairing or maintaining a dwelling, or deny any loan secured by a dwelling; or
Discriminate in fixing the amount, interest rate, duration, application procedures or other terms or conditions of such a loan, or in appraising property.

IF YOU BELIEVE YOU HAVE BEEN DISCRIMINATED AGAINST, YOU SHOULD SEND A COMPLAINT TO:

Assistant Secretary for Fair Housing and Equal Opportunity
Department of Housing & Urban Development
Washington, DC 20410

For processing under the Federal Fair Housing Act, send to:

National Credit Union Administration
Office of Examination and Insurance
1775 Duke St., Alexandria, VA 22314-3428

UNDER THE EQUAL CREDIT OPPORTUNITY ACT, IT IS ILLEGAL TO DISCRIMATE IN ANY CREDIT TRANSACTION:

On the basis of race, color, national origin, religion, sex, marital status, or age,
Because income is from public assistance, or
Because a right was exercised under the Consumer Credit Protection Act.

IF YOU BELIEVE YOU HAVE BEEN DISCRIMNATED AGAINST, YOU SHOULD SEND A COMPLAINT TO:

National Credit Union Administration
Office of Examination and Insurance
775 Duke Street, Alexandria, VA 22314-3428

Home Mortgage Disclosure Act (HMDA) Notice

The HDMA data about our residential mortgage lending are available for review. The data shows that geographic distribution of loans and applications; race gender, and income of applicants and borrowers; and information about loan approvals and denials. Inquire at any branch office regarding the locations where HMDA data may be inspected.

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