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Important Changes in Dormant Accounts
Recent changes to Pennsylvania's Unclaimed Property Act have reduced the dormancy time period from five (5) years to three (3) years. As a result, the Credit Union is required to escheat, or hand over, the funds in an account that has had no transactional activity for a period of three (3) consecutive years. PALCO FCU will make several attempts to notify you, our member, of the inactive status on the account before the funds are escheated to the State. If you receive a notice of inactivity, we encourage you to consider making a deposit or withdrawal to reactive the account as soon as you are able. You may also provide the Credit Union with a written, electronic, or verbal contact or communication that indicates your interest in the account. PALCO FCU offers a variety of financial products and services at competitive rates. For a complete list, check our rates online, or contact one of our Member Services Representatives. For more information about the Unclaimed Property Act, please visit

Pin Requirement Change for Bill Pay Users
Beginning September 1, 2014, the PIN used to log into Bill Pay will have a length requirement of at least eight characters. Please ensure your PIN is updated to an eight-character length before September 1. PINs must not contain consecutive characters and must contain three of the following elements:
  • Upper case character (A-Z)
  • Lower case character (a-z)
  • Numbers (0-9)
  • Special characters $#@!*&%()^?.=/,-_+
You can change your PIN by selecting 'Options' and then 'Change PIN' when you are logged into Bill Pay. This page will display PIN length requirements. If you have questions, please contact us.

Refer-A-Friend, Get $20 and Entered into our Monthly Drawing!
Refer your friends, family, and co-workers to PALCO so they can experience the Credit Union difference too! Spread the word all year long...refer a new member and you both get $20 and entered into our monthly drawing! For complete information and the voucher please click here. Congratulations to Kari Greenaway our August Winner! Kari received a $25 VISA Gift Card! This month's winner will receive two free movie tickets to the Cinema Center in Williamsport!

Retiring and Your Loans
If you've recently retired or are planning your retirement soon, please remember to contact the credit union to set up a monthly transfer payment (PTOF) or a coupon payment for any loans that had been previously paid through your payroll deduction. Even if you have your pension direct deposited to PALCO, you will need to speak to a loan officer to set up your new payment method on your existing loans. Please contact a loan representative at 570-546-2333 option #4.

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