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An African American woman smiles while holding on to the door of a bright red car.

Comparing the Costs of Buying a New vs. Used Car

Posted on November 19, 2021
You can feel it: it’s time to go car shopping. It can happen for any number of reasons.  Maybe a new commute further away means you need to save money by switching to a more fuel-efficient car. On the other hand, maybe you’ve been walking, biking, or taking public transportation, but it’s time to switch to a vehicle. Changes in the size of your family also affect the financial decisions ...Read More
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Where to Get an Auto Loan: Bank vs. Credit Union

Posted on November 12, 2021
When it comes time to obtain your next auto loan, you might be wondering where you can go to get the best possible rates and the best deal. Who comes out ahead in the auto loan bank vs. credit union debate? Offerings for auto loans from banks vs. credit unions can vary widely, but typically credit unions are able to offer more favorable terms and better service. Keep reading to ...Read More
a young woman excitedly holding the no credit credit card she was approved for

5 Ways to Build Credit When You Have None

Posted on September 20, 2021
Getting approved for financing is one of those classic chicken vs. egg situations. You need to prove your credit history to get the loan or credit card you want -- but you can't build credit if you've never had a loan or credit card in the first place.   Luckily, there are a few simple ways you can start building your credit score today so that you'll be able to borrow ...Read More
a man checking his credit score on a tablet notebook

Understanding and Improving Your Credit Score

Posted on September 8, 2021
You may be in the market to purchase a new car, apply for a credit card or even purchase a home but wondering how to pay for a significant expense over a period of time. When cash may not be an option, credit is the next best alternative. Credit establishes your ability to borrow money with the understanding that you’ll pay it back at a later time. In today’s world, ...Read More
An African American couple uses a credit card to purchase flowers.

Are Store Credit Cards Bad?

Posted on August 31, 2021
Getting financing from the same place where you're buying the product sounds like a great idea. You might buy all your household items with a same-brand credit card, or you might have a handy card you use only for gas. This will make it easy to track and trace your spending at that store while enjoying special member-only discounts and rewards. But beware of drawbacks.  Many store credit cards have ...Read More
A happy African American couple review bills, pleased that automatic payments have kept their accounts up to date.

Why You Should Set Up Automatic Payments

Posted on August 17, 2021
If you’ve never considered paying your bills with automatic payments, you could be missing out on a very beneficial and convenient way to manage your expenses. Automatic payments can save you time and money, help boost your credit, and bring you peace of mind. Read on to learn more about automatic payments, how to set them up and manage them, and how they can help your finances. What are automatic ...Read More
a close-up view of a colorful stack of credit cards

What to Look for When Applying for a Credit Card

Posted on July 27, 2021
Credit cards rarely go out of style. On average, Americans have three credit cards. And, with offerings of 0 percent interest promotions, inexpensive balance transfers, cash rewards, and other benefits, it may be a good time to apply for a new card.  But what do you look for when applying for a credit card? Not all credit card offers are good ones, and there are things you will want to ...Read More
a young woman smiling about getting her first credit card with no credit, holding her cell phone in one hand and her card in the other

How to Get a Credit Card With No Credit

Posted on July 19, 2021
Building credit can seem like an impossible feat if you’ve never had a credit card before. It may seem even more daunting if you’re trying to improve your credit after not caring for it in the way you should.  Continue reading to learn more about how your credit can impact your lending options, as well as some tips and tricks you can use to get a credit card even if ...Read More
parents teaching their child good financial habits by saving money in a piggy bank

Good Financial Habits You Should Adopt

Posted on July 6, 2021
Just like making an effort to engage in good health habits can improve your physical health, adopting good financial habits can improve your financial health—no matter your starting point.  Below, we'll discuss seven financial habits you can implement to set yourself on the right path for the next month, the next year, and the next decade. Set Financial Goals Creating habits such as setting aside money in savings each time ...Read More
a calculator sitting on a yellow background with the word refinance spelled in block letters

Using A Refinance Mortgage Rates Calculator

Posted on March 30, 2021
When you are considering refinancing your mortgage, it can be difficult to compare loans with different APRs and terms. One of the best tools available to help you understand and compare mortgages is a refinance mortgage rates calculator. This is particularly true for refinancing when you want to save as much money as possible. However, it can be a bit confusing to know what information you need to plug in ...Read More

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A $15. Convenience fee will be automatically added to your payment amount. Your maximum total payment amount (including the $15 convenience fee) cannot exceed $800. Payments initiated and approved by 3:00pm will be applied to your loan on the same business day. Payments initiated and approved after 3:00pm, or on a day that the credit union is closed (weekends and holidays), will be applied on the next business day. If you have a PFFCU debit card, please log into home banking to make your loan payment.

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Excludes mortgages and home equity lines of credit. A $25 fee is due at set-up for each loan. Loan must have been open for at least 6 months. Past due accounts do not qualify. One skip-a-pay allowed per calendar year (Jan-Dec).