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frequently asked questions

Q: What is the PARDA routing/transit number?

A: The routing/transit number is 272478910.

Q: What is PARDA’s mailing address?

A: Overnight Mail
PARDA Federal Credit Union
2601 Cambridge Court Suite 210
Auburn Hills, Mi 48326

Q: Where can I find the hours and location of your branches?

A: This information is available on our website by visiting Branches and ATM’s or clicking here. The hours are also posted at each respective branch.

Q: Where can I find a surcharge free ATM in my area that allows me to make deposits/withdrawals?

A: Click here to find free ATM’s near you- as well as shared branching!

Q: I do not live in an area that has a local branch. Where else can I go to receive service?

A: As a member of PARDA you can enjoy the convenience of one of our family service center or shared branch locations. Click here to find a credit union in the co-op network!

Q: How does a Home Equity Line of Credit work?

A: The Credit Line gives you checkbook access to a 15 year revolving line of credit. It begins at an initial ARM rate (based on CLTV and credit score) with subsequent adjustments based on Prime plus 0.00%, 0.75% or 1.5% based on CLTV (Combined Loan-to-Value). Rate adjustments are quarterly. Payments are 1% of the outstanding balance and are due the 25 th of each month. The minimum rate is your Start Rate, the maximum or ceiling rate is 18%. There are NO COSTS associated with a Home Equity Line of Credit.

Q: Do you have an Internet bill pay option?

A: Yes, we do have an Internet bill pay option and it is free of charge to all members. All you have to do is login to Online Banking and sign up. Click here to sign up for Online Banking and Bill Pay!

Q: Do you offer mobile banking?

A: Yes, we do have mobile banking. You can download the PARDA app by clicking here!

Account Perks

  • 24 Hour Access to your account.
  • Check out eStatements to learn how to view your monthly statements electronically.
  • If you're already signed up for eStatements and would like to view your account, sign in here.
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*APR – Annual Percentage Rate, subject to change. Subject to credit approval. The APR disclosed above is the lowest rate available for members with an excellent credit history and includes the rate reduction and the .25% direct deposit rate reduction. Your rate will reflect your individual credit history and may be higher than the rate quoted here. Not a promise to lend; standard credit qualifications and some restrictions apply. This promotion does not apply to existing PARDA FCU loans.

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.