Benefits of Membership Am I Eligible Benefits of Membership PARDA Federal Credit Union is a member-owned financial institution with ten branches throughout the mid-west and eastern states to serve you. PARDA Federal Credit Union is committed to delivering quality financial services to our members. PARDA Federal Credit Union is a not-for-profit financial organization dedicated to providing the best financial services for our members. Therefore, our net earnings are returned to our members in the form of lower interest rates on loans and higher dividends on deposits. We will measure our success by maintaining a secure financial position, increasing membership growth and member satisfaction. Our quality products and convenient services include: P.A.T.H. - Home Banking with FREE Bill Pay features First box of checks are free with direct deposit Loans for every need, including auto, mortgage, home equity and consumer loans P.A.R. - our Free 24-hour telephone access VISA credit cards with no annual fees "Kirby Kangaroo " teaches kids to save and "CU Succeed " is for young adults And much more!

	Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.
	NOTICE OF CHANGES IN TEMPORARY NCUA INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS All funds in a ''noninterest-bearing transaction account'' are insured in full by the National Credit Union Administration through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to members under the NCUA's general share insurance rules. The term ''noninterest-bearing transaction account'' includes a traditional share draft account on which the insured credit union pays no interest or dividend. It does not include any transaction account that may earn interest or dividends, PARDA Premier Account, Primary Shares, Share Certificates and Sub-Accounts, even if share drafts may be drawn on the account. For more information about temporary NCUA insurance coverage of transaction accounts, www.ncua.gov.