Frequently Asked Questions

General FAQs

How do I apply for a loan? Click the Loan Application link above to get started

How long do I have to be a member before I can apply for a loan?
There are no membership time requirements for loan qualifying.

How do I add/remove a joint member to/from my account?
To add a member you will need to complete a new signature card, which you and the joint member sign where indicated. To remove a joint member, all joint members of the account need to agree to the removal, or the account can be closed and remaining joint members may open a new account.

How do I change my payroll deduction?
Payroll deduction is an agreement between you and your employer. Payroll deduction forms are available at the Credit Union. When changing deductions, remember to indicate the total amount you want deducted from your check and notify the credit union.

Direct Deposit Questions

Why should I use Direct Deposit?

• Safe – Your paycheck is protected against loss or theft.
• Worry-free – Now you can be assured that your check is deposited, even when you are away from home.
• Saves time – You no longer have to make special trips to the credit union or stand in long lines on payday.
• Convenient – No more waiting for the mailman. Your deposits will be made for you automatically, allowing you to set your own timetable for getting cash.

How will I be able to keep track of my money?

• Your check stub from your paycheck is your permanent record.
• Our Online Banking Service allows you FREE access to your account online 24 hours a day.

Is there a charge for this service?
This service is free to all participating Patterson Federal Credit Union members.