Merchant Data Breaches
There have been numerous data breaches at popular merchants in recent months. If you have a credit union debit card that has been affected by one of these breaches, you will receive a phone call from one of our office staff. We will notify you of the breach and recommend that you cancel and replace your card. We will not notify you by text or e-mail, nor will we ask you for account numbers, PIN numbers or any other personal account information.
How to Protect Yourself From Scams
Never give out private or personal information, including financial details, unless you initiated the contact.
Don't respond to texts or e-mails from a contact you don't recognize, and don't click on links. Instead, type the site address you want to visit into your browser and securely log into your account.
Don't send money to strangers; scam artists often insist that you wire money, especially overseas, because it's difficult to trace the transaction.
Keep an eye on your monthly statements. If your account information is stolen, fraudsters can use it to charge purchases or commit crimes in your name. Watch for unusual charges such as "membership fees" and other goods or services you didn't authorize. If you see a charge you don't recognize, contact your account provider immediately.
Red Flags to Identify a Fraudster
Watch for these signs if you feel someone is trying to scam you:
They refuse to provide contact or callback information
They act rushed, pressed for time or intimidating
They use name-dropping
They are extremely friendly
They may seem to know some personal information already, but ask for more
They use poor grammer or spelling
The links or attachments in an e-mail seem suspicious
Share Certificate Special
We are offering a special $4,000.00 Share Certificate at the $5,000.00 minimum Certificate dividend rate as an alternative to offset the discontinuation of the Life Savings Insurance benefit.
Need Funds to Pay the IRS or Your Property Taxes?
We can help with a Credit Union Signature Loan.
Borrow a maximum of $5,000 for 36 months at 9.0%APR.
APR-Annual Percentage Rate
Other amounts, rates & terms are available
10% Share Pledge Required
Same day approval to qualifying applicants
Approval subject to normal credit qualifications, such as credit worthiness & ability to repay
Vehicle Loan Rates
New Vehicle Loan Rates - Model Year 2011 & Newer:
Borrow 90% of MSRP or NADA Retail Price Borrow 100% of MSRP or NADA Retail Price
24 mos - 2.40%APR 24 mos - 2.65%APR
36 mos - 2.65%APR 36 mos - 2.90%APR
48 mos - 2.90%APR 48 mos - 3.15%APR
60 mos - 3.15%APR 60 mos - 3.40%APR
72 mos - 3.90%APR 72 mos - 4.15%APR
Used Vehicle Loan Rates - Model Year 2007-2010:
Borrow 95% of NADA Average Retail Price
24 mos - 3.15%APR
36 mos - 3.40%APR
48 mos - 3.65%APR
60 mos - 3.90%APR
Model Year 2006 and Older: Add 1/2% APR
- Other rates, terms and limits are available or may apply depending on lending criteria
- Same day approval available to qualifing applicants
- Vehicle loan pre-approvals at no charge
- No required share pledge
- Loan approval subject to all normal credit qualifications, such as credit worthiness and ability to repay
- APR - Annual Percentage Rate
Expecting an income tax refund? For your convenience, you can have your funds direct deposited into your Credit Union account. Use the following routing number along with your account number and select savings or checking.
Now's the Time to Consider an IRA
The Credit Union offers both Traditional and Roth IRA Share Acccounts to help you prepare for retirement.
You may be able to deposit up to $5,500 for both the 2013 and 2014 tax years. Members 50 and older may be able to contribute an additional $1,000. Deposits will be accepted until April 15, 2014 for the 2013 tax year.
Annual Meeting, Election of Officers, Dinner & Raffle
Saturday, April 12, 2014 at the Polish Falcons Club
Beginning at 6:00PM
Dinner is $7.50 per person
RSVP by April 4, 2014
Phone Number: 814-455-2270
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.
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.
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