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: 


November 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 - 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.  Skip-a-Pay requests must be received 14 days prior to your loan due date.

Special Vehicle Loan Rates!

New Vehicles - Model Year 2012 and Newer:

Borrow 90% of MSRP or NADA Retail Price

Rates as Low as:
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

Used Vehicles - Model Year 2008 - 2011:

Borrow 95% of NADA Average retail Price

Rates as Low as:
24 mos - 2.65%APR
36 mos - 2.90%APR

48 mos - 3.15%APR
60 mos - 3.40%APR

*Rates available for model years 2008 and newer

  • APR - Annual Percentage Rate
  • Other rates, terms and limits are available or may apply depending on lending criteria.
  • 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.
  • Same day approval available to qualifing applicants.
  • The above rates are available for the purchase of a vehicle or to refinance a vehicle loan from another lending institution.

**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.

Gift Giving Made Easy

  • We offer VISA gift cards in amounts from $10 - $1,000 with a $2.50 activation fee for all of your holiday gift giving needs.
  • Start a Christmas Club now for next year's holiday season.

Holiday Travel Plans?

  • Our VISA travel cards can help make your holiday travel a breeze.
  • Cards can be loaded in any amount from $100 - $5,000.
  • There is a $9.95 purchase fee and the card can be re-loaned for a $2.00 fee.
  • Cards can be used at the point of sale and at ATMs.

Simplify Your Search For Health Care

As a credit union member, find affordable health insurance with the TruStage Health Insurance Program.  Get covered today!

Credit union members have access to experts and tools to help them understand the new health law and to find the best value.  With TruStage Health Insurance Program andGoHealth, make the right decisions with confidence and ease.  Enroll online at or by calling 1-888-416-2166.

The TruStage health Insurance Program is made available through TruStage Insurance Agency, LLC & GoHealth LLC.  GoHealth LLC is licensed to sell nationwide & operates in all states with the exception of Massachusetts, Hawaii, Vermont & Rhode Island.  TruStage Insurance Agency, 2014 All Rights Reserved.

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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