All loans are subject to credit approval.
To view loan rates, click here.
To apply for a loan, click here.
Fixed-rate Home Equity Loans are available only in Ohio and Illinois for up to $40,000, with a maximum term of 15 years.
To apply for a mortgage loan, click here.
New Auto Loans can be used to finance the full price of a vehicle, including tax and title. The maximum term is 72 months.
The amount granted for a Used Auto Loan is based on the vehicle's average retail value according to the latest NADA Used Car Guide. Its maximum term is determined by the age of the vehicle at purchase.
Unsecured Loans require no collateral and are available for up to $5000. There are two types:
The advantages of a VISA Platinum credit card include:
To view the VISA Credit Card Agreement click here.
To request an application for a VISA Platinum card, please call us at (216) 896-2225.
The minimum amount to open an account is $5.00 and the minimum amount to earn interest is an average daily balance of $100. Fees may reduce earnings on these accounts. You may forfeit dividends if you close an account before accrued dividends are credited. To view account dividend rates, click here.
Funds in this account are available for withdrawal all year round.
A Christmas Club Account makes it easy to save for the holiday season. An account can be started at any time during the year, after which funds are set aside and distributed on November 1st.
Traditional, Roth, and Education IRA's are available to members. For more information on IRA accounts, call us at (216) 896-2220.
Share Certificates of Deposit are available for 6-month and 12-month terms and generally offer higher dividend rates than typical savings accounts. A minimum deposit of $500 is required. Dividends are paid at maturity; if an early withdrawal is made, all accrued dividends are forfeited. To view current Share Certificate rates, click here.
Share Draft Accounts may include a $500 overdraft line of credit for members who qualify.
Similar to the Christmas Club Account, a Vacation Club Account helps members save for vacation. However, while funds in the Christmas Club account are only distributed once a year, withdrawals can be made from your Vacation Club Account all year round.
AD&D Insurance is available to all members. In the event of death or dismemberment, AD&D will cover $2000 in expenses at no additional cost. Additional coverage may be purchased. To apply for this service, please call us at (216) 896-2225.
ATM cards are available for most types of accounts and can be used at any MAC, HONOR or STAR machines. To apply for an ATM card, click here. Please fax the application to (216) 896-4058.
In the event of illness or death, Credit Life & Disability makes monthly payments on a member's loan. This service is available for VISA Platinum and all other loans, and more information is included with loan application packets.
To have funds electronically deposited into your account, obtain a direct deposit form through your employer's payroll department. You will need three numbers when completing this form:
Call us at (216) 896-2225 to register for online banking.
To receive a free estimate of the value of your home, click here.
Overnight delivery is available to most areas for a fee.
A portion of your paycheck can be deposited directly to your account through Payroll Deduction.
Pre-paid VISA Gift Cards make wonderful gifts for everyone from college students to coworkers. Click here to learn more.
Funds can be wired to other financial institutions for a fee.
Click here for PACO Terms and Conditions of Your Account
PACO FCU is an equal opportunity lender.