Credit Union Hours
Mon - Thur -- 9:00AM to 5:00PM 
Friday -- 9:00AM to 6:00PM 
Closed Weekends and All Federal Holidays 
Lost or Stolen Debit Card: 


July 2014 

Have Some Summer Fun with a Discount of 0.50% on Vehicle Loans

Take an additional 0.50% off of your qualifying interest rate on your next vehicle purchase.

Automobiles, Trucks, Motorcycles & Motor Homes

Model Year 2011 & Newer:

Financing 90% of Manufacturer's Suggested Retail Price or NADA Retail Value:

Discounted Rates:  
24 mos = 1.90%APR
36 mos = 2.15%APR
48 mos = 2.40%APR
60 mos = 2.65%APR
72 mos = 3.40%APR

(If the vehicle mileage exceeds 15,000 per model year, there will be a high mileage surcharge)

Model Year 2007-2010:

Financing 95% of NADA Average Retail Value:

Discounted Rates:
24 mos = 2.65%APR
36 mos = 2.90%APR
48 mos = 3.15%APR
60 mos = 3.40%APR

*Discount available for model years 2007 and newer 

New Boats, Travel Trailers, Campers, ATVs & Jet Skis

Model Year 2014

Financing 95% of Manufacturer's Suggested Retail Price or NADA Retail Value:

Discounted Rates:
24 Mos = 4.50%APR
36 Mos = 4.75%APR
48 Mos = 5.00%APR
60 Mos = 5.25%APR
72 Mos = 5.75%APR

  • APR - Annual Percentage Rate
  • Existing IBEW Local #56 FCU vehicle loans are not eligible for discount
  • Other rates, terms, and limits are available or may apply depending on lending criteria
  • Loan approval subject to all normal credit qualifications, such as credit worthiness and ability to repay
  • Same day approval available to qualifing applicants
  • Loan pre-approvals at no charge
  • No required share pledge
  • Rates listed above reflect the 0.50% discount
  • Discount may be withdrawn at any time per the Board of Directors

Check Out Our Home Equity Rates 

Home Equity                                   Mini-Mortgage

-Borrow $5,000 - $65,000             -Borrow $2,000 - $15,000
-Minimum $5,000 newly                -May refinance an existing Mini-Mortgage
 borrowed money                            with 50% new money
-Appraisal required

60 mos - 4.00%APR*                      24 mos - 3.25%APR*
90 mos - 4.50%APR*                      42 mos - 3.75%APR*
120 mos - 5.00%APR*                    60 mos - 4.00%APR*

  • APR-Annual Percentage Rate
  • Other rates may apply depending on lending criteria
  • A minimum of 20% equity in the property is required (25% equity for rental property)
  • Borrower is responsible for appraisal, search & filing fees
  • No required share pledge
  • Loan interest may be tax-deductible
  • Loan approval subject to all normal credit qualifications, such as credit worthiness and ability to repay

Celebrate Youth Week

Please join us for our 23rd Annual Youth Week Celebration August 11th-15th.  There will be prizes and raffles for Credit Union Members ages 18 and younger who make a $5 deposit into an existing account or a $25 deposit into their new* account.  Bring in your children, step-children, and grandchildren so they can learn about saving for a brighter future.

Open a new* share account for your newborn, (up to their 1st birthday) and we'll deposit $5 into their account.

*Social Security Number required to open all new accounts.

Prepaid Cards For Every Need

Looking for the perfect graduation, wedding or shower gift?  How about a CU-MONEY Visa Gift Card?  The cards can be used at any merchant who accepts Visa Debit Cards.  There is a $2.50 activation fee and the cards can be loaded in any amount from $10 - $1,000.

CU-MONEY Visa Travel Cards can make your vacation a breeze.  There is a $9.95 purchase fee and the cards can be loaded in any amount from $100 - $5,000.  use them at the point of sale - stores, restaurants, etc., as well as at ATMs.   Cards can be re-loaded for a $2.00 fee.

Banking at Your Leisure

Do you want the opportunity to look up account balances and account activity, as well as to do transfers between your Credit Union Accounts at your convenience?  If so, then Home Banking is for you!  Contact the Credit Union office for the required form to sign up for this convenient service.

You can now get your monthly and quarterly statements online.  When you log into your home banking account, click on the "Statements" tab to sign up for E-Statements.

Direct Deposit

We encourage you to have your paycheck, social security, pensions, unemployment, etc. electronically deposited into your credit union account.

Benefits of Direct Deposit Include:

  • Transfers funds securely & directly into your Regular Share or Share Draft (Checking) Account
  • Eliminates the risk of lost or stolen checks
  • Quick access to your funds
  • Access funds easily with a credit union Debit Card
  • Saves on trips to your credit union
  • Peace of mind when you're out of town
  • Helps protect the envirmonment

If convenience and safety are important to you, Direct Deposit is the way to go!

Pay Your Bills Online

Online Bill Pay is a convenient way for members to pay their bills from one secure website.  Log into your Credit Union Home Banking account and pay your bills at your convenience.  Bill Pay can also be used for person to person payments, account to account transfers, personalized gift checks, and charitable donations.

You must be a Credit Union member with a Share Draft/Checking Account in good standing and have Home Banking to be eligible for Online Bill Pay.  Log into your Home Banking Account and click the Online Bill Pay tab to set up your account.  Your account will then be approved and activated.  There is a one time non-refundable $2.00 enrollment fee.

We have two Bill Pay plans:

Option 1: Six (6) transactions/month at no charge, .50¢ for each transaction over six.

Option2: Unlimited transactions/month at a cost of $3.00/month.

Family Membership

Did you know that your family members and members of your household (persons living under your roof) are eligible to join your Credit Union?  To join, they need a current photo ID (unless they're a child), social secuirty number, a $25 share deposit, and a .25¢ membership fee.

Family Members include your:

Spouse          Children          Stepchildren          Grandchildren

Parents          Stepparents    Grandparents          Brothers & Sisters































































































IBEW Local 56 FCU
962 West 20 Street
Erie, PA 16502
Phone:  (814) 455-2270      FAX:  (814) 455-4307
Toll Free:  (800) 723-7800

Routing Number: 243381065
IBEW Local #56 FCU - Once A Member ... Always A Member
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