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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
a women signs to refinance her mortgage

Is It Worth It To Refinance Your Mortgage?

Posted on February 16, 2021
If you’re a homeowner, you’ve probably heard of and possibly considered refinancing your mortgage. However, it can seem challenging to weigh the costs and hassle of refinancing your mortgage against the financial benefits you could reap.  To help you decide if it’s worth refinancing your mortgage, we'll cover the common reasons for refinancing. We’ll also share the critical things to consider when refinancing a mortgage. When you refinance your mortgage, ...Read More
a man considers refinancing his mortgage

The Best Way to Refinance a Mortgage

Posted on February 11, 2021
Taking advantage of low-interest rates through a mortgage refinance can be a smart move, but refinancing is not a ‘one size fits all’ solution. There’s a lot to consider when deciding on the best way to refinance your mortgage.  When you refinance your mortgage, you pay off your existing loan with a new loan with a different interest rate or term length. Many factors go into a refinance, from your ...Read More
an overhead shot of a couple with a calculator and paperwork for refinancing their mortgage

What Documents Do I Need To Refinance My Mortgage

Posted on February 4, 2021
When it comes to refinancing your home, the process can seem like an endless stream of paperwork. Unfortunately, missing documentation can result in the refinancing process taking a lot longer than you might have hoped.  Time is money, and getting that lower interest rate as quickly as possible is the goal! To that end, there are ways to make the process proceed more smoothly. One way to streamline the process ...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).