Information Desk

- President's Message

Carol A. Allen
Carol A. Allen,

On September 6th, 2017, Equifax announced a data breach that impacted the personal information of approximately 143 million consumers in the United States. The incident was limited to Equifax and the databases. It is our highest priority to protect our members' personal information. Since this breach was significant, we want to provide our members more information to ensure that you protect your identity.

Below please find information on what you can do:

  • Visit This website allows you to check and learn if your personal information was compromised. Regardless of whether you have been impacted or not, you will have the option of enrolling in Equifax's ID Theft and Credit monitoring service called 'TrustedID Premier.'
  • Check all your credit reports. is a free service that allows you to view all of the information on all three of your credit reports. Checking your credit reports from each of the major credit reporting agencies will allow you to determine if your identity has been compromised.
  • Set up fraud alerts on your credit reports. By setting up fraud alerts, you will be notified any time your credit report is pulled. You can set up fraud alerts by contacting one of the three credit bureaus - Equifax, TransUnion or Experian. Once you notify one credit bureau, they are required to notify the other two. Visit the Federal Trade Commission's website at for additional information on placing a fraud alert.
  • Be vigilant and monitor all of your personal bank, credit union and credit card accounts for erroneous charges and activity. Contact the institution immediately if you notice any suspicious activity.

Identity theft is one of the fastest growing crimes worldwide. I urge you to be proactive about your identity and personal information.

On the PAFCU front, we have two exciting car sales scheduled for the month of October: GrooveCar Sale October 20th - 30th, and on-site Enterprise Used Car Sale on October 28th. If you are in the market for a car and an exceptional PAFCU car loan opportunity, don't miss out. Check out our website for more details.

I am happy to announce that once again, PAFCU awarded five scholarships to graduating high school seniors. Five scholarships, each in the amount of $1,000.00, were awarded to help students tackle the high cost of college tuition. The winners' names are listed in this newsletter. Congratulations to each of you. Additionally, PAFCU is now offering college bound high school seniors the opportunity to compete for statewide college scholarships through the New York Credit Union Association's Scholarship Program. For more information, please visit our website.

With the holidays quickly approaching, I want to give you a gentle reminder that PAFCU can help make the season bright by offering our members a Holiday Loan with rates as low as 7.99%. Please apply online at any time or visit one of our branches for more details and get a head start on your holiday shopping. Our loan specialists are here to help ease the loan process and make your holidays bright.

Lastly, I'd like to take a moment to thank our Veterans and their families for their service and sacrifice. It is your selflessness that allows us to enjoy the great freedoms our wonderful country affords us. You are true heroes and we are forever grateful to all of you.

As we close on another year, I'd like to also thank our membership for your continued business and support. It is our privilege to serve you.

I leave you with a quote from Margaret Mead, an American cultural anthropologist, an author and speaker of the 1960's and 1970's:

"Never doubt that a small group of thoughtful, committed citizens can change the world. Indeed, it's the only thing that ever has."

Contact us with any questions or visit And remember to turn to PAFCU for all your banking needs.