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: 


September 2017

Check out our Holiday Loan and Home Equity Special Rates

Holiday Loan Special:  Rates as low as 4.99%APR
Home Equity Loans:  Rates as low as 2.99%APR
Mini-Mortgage Loans:  Rates as low as 2.49% APR

*APR = Annual Percentage Rate

Click here for more information.

Holiday Skip-A-Pay

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.  Applications are available at the credit union office and are subject to Credit Committee approval.

*There is a $25 processing fee per loan skipped.  Offer is not available on Home Equity, Mini-Mortgage, and Signature Line of Credit Loans, and Holiday/Tax Time/Back to School Special 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.

Christmas Club Accounts

The ideal way to save for the holidays!

  • Deposits of any amount can be made at any time.
  • We allow one emergency withdrawal each year.  A $2.00 fee will be charged for each additional withdrawal.
  • If your 2017 Christmas Club was funded through direct deposit or payroll deduction, we will automatically begin a 2018 account unless we are notified otherwise.
  • Christmas Club checks are included with the 3rd quarter statement unless you requested a transfer or a hold.

Same Day Payments

On September 15th, the Federal Reserve began processing same day ACH (Automated Clearing House) debits/payments.

Pay-by-phone or online payments may now clear the same day that you authorized the transaction.  Checks given to merchants can be converted to an electronic check which may clear your account the same day.  Previously these transactions could have taken up to several days to clear your account.

Since there will no longer be a lag-time, we are encouraging our members to ensure that there are sufficient funds in their accounts before submitting or authorizing a payments and before they write a check.  Doing so will help prevent overdrafts and fees.

Equifax Data Breach

As you may have heard, Equifax, one of the larger credit reporting companies, has reported a data breach that could affect millions of U.S. consumers.  To determine whether or not your data was affected, you can visit Equifax's dedicated site  They have also set up a dedicated call center at 866-447-7559 to answer any questions.

If you were impacted by this breach or if you just want to be cautious, following are some ways to help protect yourself:

  • Place a Fraud Alert on your credit file
  • Place a Freeze on your credit report
  • Monitor your credit union/bank accounts and credit card statements for fraudulent activity
  • Beware of "phishig" emails claiming to be from Equifax or any other service offering credit monitoring

We highly recommend that you review your credit reports whether or not you suspect fraud just to monitor your credit activity.  You can access your credit report for free at:

Looking for That Perfect Gift?

How about a CU-Money Visa Gift Card?  The perfect gift for the holidays, weddings, showers, birthdays, or any gift giving occasion!  Cards can be used at any merchant that accepts Visa debit cards.  There is a $2.50 activation fee and cards can be loaded in any amount from $10 - $1,000.

Visa Purchase Alerts

We highly recommend that our Debit Cardholders sign up to receive email alerts when they use their Visa Debit Card* for purchases.  These alerts help provide security by allowing members to identify potentially fraudulent activity and they provide a means for members to track spending.

Sign up by logging into:
Follow these steps to enroll:

  • Check eligibility by entering the first nine digits of your debit card.
  • Creat an account.
  • Register your email address.  A verification email with a code will be sent to your email address.  Enter that code to confirm your email address.
  • Choose which of the following three alerts you would like to enroll in:
  1. purchases reaching a certain dollar amount
  2. international purchases
  3. purchases made on the internet

*A qualified transaction is any transaction routed through Visa.

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.

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

Link Disclaimer:

By clicking on any of the links above, you will be leaving the Credit Union's web site and linking to an alternate web site not operated by the Credit Union.  The IBEW Local #56 FCU is not represent either the third party or the member if the two enter into a transaction.  Privacy and security policies may differ from those practiced by the Credit Union.























































































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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