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: 


October 2014 

Holiday Loan Special!

Our perfect solution for all of your holiday expenses.

  • Effective October 1st through December 23rd
  • Borrow $250-$2,000 at 5.99%APR
  • Delay the first payment up to 50 days
  • Up to 12 Months to Repay
  • Same day loan approval for qualifying applications

Loan must be backed by a 10% share pledge.  Borrower must be a credit union member for 3 months. Subject to normal lending criteria: credit worthiness, lack of delinquency, ability to repay, and Credit Committee or Loan Officer approval.  APR = Annual Percentage Rate.

Introducing: Holiday Skip-A-Pay

Celebrating the holidays is fun, but it can be expensive.  To help our members get some extra cash, we are offering an opportunity to Skip-A-Payment on up to two of your loans.

Choose the loan(s) and the month that you want to skip - November, December, or January* - and we'll take care of the rest.

*There is a $25 processing fee per loan skipped.  Offer is not available on Home Equity, Mini-Mortgage, and Signature Line of Credit Loans.  Loans must have originated 6 months prior to be eligible.  If recent data shows that you have been delinquent on the requested loan(s), we reserve the right to deny your application to Skip-A-Payment.  Loan interest will accrue and the maturity date of all loans affected by the program will be extended.


Great Rates, Convenient Repayment Terms, Loan Pre-Approvals and Same Day Approvals.

Home Equity Loans As Low As:  4.00%APR

Mini-Mortgage Loans As Low As:  3.25%APR

New Vehicle Loans As Low As:  2.15%APR

Used Vehicle Loans As Low As:  2.90%APR

Signature Loans As Low As:  9.00%APR

Share Secured Loans As Low As:  2.58%APR

  • APR - Annual Percentage Rate
  • Loan approval subject to all normal credit qualifications, such as credit worthiness and ability to repay
  • Same day approval available to qualifing applicants
  • Home Equity & Mini-Mortgage Loans - A minimum of 20% equity in the property is required

**IMPORTANT - Dormant Account Notice**

The PA Unclaimed Property Act recently changed the dormancy period for unclaimed property (property presumed abandoned or unclaimed if the owner has not taken specific action regarding the property) from five (5) years to three (3) years.

What this means to you:  Funds on deposit in financial institutions are affected by this change.  Account holders must make a transaction or give written notice that they want their accounts to remain open at least once every three years.  Failure to do one of these actions will result in your funds being turned over to the State of Pennsylvania for escheat.

The Credit Union is mailing notices to members affected by this change.  If you receive a notice, you have the option to sign, date & return the form to the credit union or to make a deposit or withdrawal from your account.  Members have until December 31, 2014 to complete one of these options to protect their funds.

Prepaid Cards For Every Need

Looking for the perfect birthday, 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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