Greater Pittsburgh Automobile Dealers Association

The PATA Federal Credit Union is a member owned, Community Involved, financial cooperative federally chartered in 1986 to serve the financial needs of the members of the Greater Pittsburgh Automobile Dealers Association. All Association members' employees and their immediate families are eligible for membership. We are governed by a Board of Directors elected by the membership to serve on their behalf. The Board meets monthly to review income, expenses, loans, investment policies and to keep rates current and competitive. Credit Unions were originally formed to permit those in a specified field of membership to pool their savings, lend them to one another, and own the organization where they can save, borrow, and obtain financial services. At the PATA FCU we continue to maintain growth, with assets at almost $3 Million and more than 1400 members.LOCATION:
207 Sigma Drive
Pittsburgh, PA 15238

Phone: (412) 963-8081Fax: (412) 963-6838OFFICE HOURS:
9:00 A.M. - 4:00 P.M. Monday thru Friday -- Closed on Major Holidays
GENERAL INFORMATION

Membership Fee: $2.00 Lifetime membership fee (as a member in good standing, family members are also eligible to join)

Deposits: Your saving are federally insured to at least $250,000.00 and backed by the full faith and credit of the United States Government. NCUA National Credit Union Administration, a U.S. Government Agency

Withdrawls: Two (2) per month free; $10 charge for each additional withdrawal.

Savings (Share) Accounts: Regular shares, Christmas Club, Vacation Club, and Share Certificate accounts are available; Regular savings account must maintain a minimum balance of $25 with balances under $100 subject to a monthly $1.00 low balance fee. Dividends are paid quarterly and added to your savings account. Withdrawals can be made by calling ahead to (412) 963-8081 or simply stopping in our office at 207 Sigma Drive. Share certificate accounts can be purchased for as little as $500. Terms are from 6-12 months & a deposit of $2,500 for 24 and 36 months. Rates are subject to change monthly. Dividends on fixed rate certificates are compounded quarterly.

Loans: Any member who wishes to borrow from the credit union must have a $100 minimum balance in their shares (savings) account. They must have 90 days with their current employer and 6 months continuous employment. Loan applications may be sent through the mail or completed at the credit union office. Loan applicants are reviewed based on credit history, employment history, debt to income ratio, etc. Types of loans available include auto and other type vehicles, home improvement, mobile homes and signature loans as low as $250 or as high as $5,000.

Checking: Free checking with an optional VISA debit card is offered to members in good standing.

Other available services include access to consumer information such as NADA book values for new and used vehicles, credit references (given only at the request of member), I.D. cards, quarterly statements, and the reconciliation of statements (for a nominal fee)

New Vehicles+
Term	Daily Periodic Rate	Annual Percentage Rate
36 Months	0.01095890410	As low as 4.00%*
42 Months	0.01164383561	As low as 4.25%*
48 Months	0.01232876712	As low as 4.50%*
60 Months	0.01301369863	As low as 4.75%*
72 Months	0.01369863013	As low as 5.00%*
+New vehicles will be financed up to 100% of the sticker price / current and previous year untitled / not to exceed $45,000.00 / length of loan depends on $ amount financed.
Used Vehicles++
36 Months (Max term for 2003)	0.01301369863	As low as 4.75%*
42 Months (Max term for 2005/2004)	0.01369863013	As low as 5.00%*
48 Months (Max term for 2007/2006)	0.01438356164	As low as 5.25%*
60 Months (Max term for all other years	0.01506849315	As low as 5.50%*
++Used vehicle maximum loan amount based on 100% of current NADA retail, including taxes. etc. / will finance up to 7 years old / not to exceed $35,000.00 / length of loan depends on year of vehicle and $ amount financed.
72 Months Maximum	0.0232876	As low as 8.50%*
Pleasure Vehicle (boat, RV, custom van, classic vehicle, etc.): 100% of sticker price for new purchase or 100% of retail value for used purchase / length of loan depends on year of vehicle and $ amount financed / not to exceed $45,000.00.

	Dividend	APY*	Specials
Primary Share Account	.25%	.25%	none
Super Savers Account	.35%	.35%	none
Vacation Club Account	.25%	.25%	none
Christmas Club Account	.25%	.25%	none

There are no dividends paid on account balances below $100.00. All dividends paid are based on earnings and cannot be guaranteed beyond current period. APY* is accurate as of 3/31/2010.

Penalty for early withdrawl may be imposed. Early withdrawl may reduce earnings. APY* is accurate as of 04/22/10
*APY Annual Percentage Yield
** APR Annual Percentage Rate

Because the privacy of our members and other visitors to this website is of utmost importance, PATA Federal Credit Union has adopted the following privacy policy:

Our credit union is committed to making available financial products and services that will enable you to meet your financial needs and reach your financial goals. Protecting personal information and using it in a manner consistent with your expectations is a high priority for everyone associated with our credit union.

As a member of our credit union you also have a responsibility to safeguard your financial information.

To ensure that you can rely upon the quality of products and services we make available, our credit union stands behind the following privacy policy:

Our credit union will collect only the personal information that is necessary to conduct our business. That means just what is necessary to provide competitive financial products and services, no more.

Our credit union will protect your personal information. We will maintain strong security controls to ensure that member information in our files and computers is protected. Where appropriate, we will use security coding techniques to protect against unauthorized access to personal records, ensure accuracy and integrity of communications and transactions and protect member confidentiality.

You will always have access to your information. As a member of our credit union, you will always have the opportunity to review your information and make necessary changes to ensure that our records are complete and accurate.

Our credit union will only share information when it is absolutely necessary. We will only share information to administer the products and services we provide, when required to do so by the government, or when we partner with other businesses to offer a broader array of products and services.

Our credit union will partner only with businesses that follow strict confidentiality requirements. The businesses we select will offer products designed to enhance our members’ economic well-being. Under no circumstances will we authorize these firms to charge your account without your consent, and we will not sell member information to telemarketing firms.

Our credit union will offer you a choice in how your information is used. Any member of our credit union may elect to keep information from being shared with business partners. We will inform you on how to exercise your choice, and we will take reasonable steps to make sure your requests are followed. At least once a year, we will remind all members of your right to choose.

If you ever have questions or concerns about the integrity of your account information or any other aspect of our business operations, please do not hesitate to telephone or come in to talk to our staff.