People's Alliance Federal Credit Union (PAFCU) is a federally insured credit union offering deposit accounts, certificates, mortgages, and consumer loans with a routing number 226076135.
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People's Alliance Federal Credit Union positions itself as 'a financial institution of excellence' and operates as a member-owned financial cooperative. The organization maintains a physical presence with a phone line (631-434-3500) and digital accessibility features, indicating service to a regional membership base. PAFCU is federally insured, providing members with standard credit union protections and governance structures typical of cooperative financial institutions.
PAFCU offers a comprehensive suite of financial products including deposit accounts (Prime Share Account, VIP Checking, Money Market accounts, and IRAs), Share Certificates with multiple term options and special rates, fixed-rate mortgages for 10-30 year terms, and consumer loans for vehicles, personal debt consolidation, boats, recreational vehicles, and motorcycles. 60% APR for borrowers who meet provider criteria. The credit union also provides listed savings vehicles like Health Savings Accounts and Education certificates.
75% APY for $250,000+), specialty certificate programs including 'Bump Up' options and youth-focused accounts, and competitive mortgage rates without points. The institution emphasizes member benefits such as partnerships (TurboTax savings), fraud protection resources, debt protection claim services, and accessibility features for members with disabilities. Their lending approvals are subject to credit qualification with stated minimum requirements like direct deposit of net pay.
75% APY), and loan rates require credit approval with stated minimum requirements. The website provides listed rate disclosure but limited information about membership eligibility criteria, account fees, or service limitations. For consumers seeking traditional, federally insured banking with moderate yields and regional service, PAFCU represents a standard credit union option.
This is state-level context for Credit Unions consumers in Miami, FL. It does not confirm that People's Alliance Federal CU or this specific location is licensed.
State regulator
Florida Office of Financial Regulation
Consumer protection
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
People's Alliance Federal CU offers 12 services including Prime Share Account (savings) with $50 minimum balance, 0.10% APY, VIP Checking account with no minimum balance, 0.05% APY, Money Market accounts with tiered rates from 0.35% to 0.75% APY based on balance, Share Certificates with 8+ term options including specialty 'Bump Up' and youth accounts, rates 1.63%-3.70%, Fixed-rate mortgages: 10, 15, 20, 30-year terms, 5.375%-5.875% rates, and 7 more.
People's Alliance Federal CU has profile signals associated with Regional members seeking federally insured deposit accounts and local credit union services, Consumers with $250,000+ to deposit wanting tiered Money Market rates and relationship banking, Borrowers with good credit seeking competitive mortgage rates or multi-term vehicle financing options, Members prioritizing accessibility features and established credit union governance over online convenience.
Key strengths: Tiered Money Market rates up to 0.75% APY for deposits of $250,000+; Competitive mortgage rates: 5.625% for 15-year fixed, 5.875% for 30-year with zero points; Diverse loan products: signature loans (9.74% APR), new vehicles (4.60% APR), used vehicles, boats, RVs, and motorcycles. Areas to consider: Deposit yields remain low compared to online banks; Money Market maxes at 0.75% APY even for large balances; Loan rates require credit approval and appear to have minimum qualifications (direct deposit and checking account for stated 'lowest rates').
In the Credit Unions category, comparable providers include Energy Capital Credit Union (CC), Greater Texas Credit Union, Provident Credit Union (North San Jose Community Branch). Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
PAFCU is profile signals for established members in its service region seeking federally insured deposit accounts, competitive mortgages, and diverse consumer lending within a traditional credit union framework. The main caveat is that membership eligibility appears region-dependent, deposit yields are modest relative to online alternatives, and loan approval hinges on credit qualification with stated minimum requirements like direct deposit.
Energy Capital Credit Union is a Houston-based credit union serving 19,000+ members with checking, savings, loans, and insurance products since 1934.
Google rating from 217 reviews
Profile signals: Texas residents seeking high-yield checking/savings accounts with competitive APY rates and member-owned cooperative benefits, Houston-area consumers wanting local banking relationship with in-person branch access and financial counseling services
Greater Texas Credit Union is a federally chartered credit union offering auto loans, home loans, free checking, and credit cards with rate claims to verify to its membership base.
Google rating from 247 reviews
Profile signals: Houston-area residents seeking free checking with no minimum balance requirements, Borrowers shopping for competitive auto loan rates with flexible payment options
Review this provider profile and compare source-linked details before choosing what to do next.
Google rating from 18 reviews
Profile signals: Consumers in San Jose, California looking for payday alternative lending services, People who prefer working with a local payday alternative lending provider
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