Current Loan Specials
Home Equity Loans: Rates as low as 2.99%APR*
Mini-Mortgage Loans: Rates as low as 2.49% APR*
Tax Time Loan Special: Borrow $500-$2,500 at Rates as low as 5.99%APR*
*APR = Annual Percentage Rate
Click here for more information.
Check Out Our Low Vehicle Loan Rates!
New Vehicles: rates as low as 2.15% APR*
Used Vehicles: rates as low as 3.15% APR*
Click here for vehicle rates.
Save For Retirement
Tax season is the perfect time to open or make a contribution to an existing Traditional or Roth IRA. We accept deposits in person, by mail, through direct deposit or payroll deduction. Contributions can be made annually or on a periodic basis.
Deposits for the 2018 tax year will be accepted until April 15, 2019.
Tax Year: Annual Contribution Limit:
There is an additional $1,000 "Catch-Up" contribution available for IRA owners age 50 and older.
Expecting a Tax Refund?
The IRS has the following reminders to taxpayers in regard to direct deposited tax refunds:
- Refunds can be split into as many as three seperate accounts. For example, a checking, a savings, and a retirement account.
- Refunds should only be directly deposited into accounts that are in the taxpayer's own name, their spouse's name, or both if it's a joint account.
- Refunds should not be directly deposited into an account in the tax return perparer's name.
To direct deposit your refund into your Credit Union account, use Routing Number: 243381065
Debit Card Reminders:
ATM Limit: $250.00 per day
Purchases/Point of Sale (POS) Limit: $500.00 per day
We understand that you may occasionally need to purchase more than $500.00 per day. We can temporarily increase your daily limit in order to accommodate you. Please realize that these limits are necessary to limit fraud and exposure to losses.
Our Debit Card Program is not live. This means that deposits made via Home Banking are not immediatley available on your Debit Card.
Please call the office at 814-455-2270 to temporarily increase your daily POS limit or if you have any questions regarding availability of funds.
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:
- purchases reaching a certain dollar amount
- international purchases
- 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 receive 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.
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 security number, a $25 share deposit, and a .25¢ membership fee.
Family Members include your:
Spouse Children Stepchildren Grandchildren
Parents Stepparents Grandparents Brothers & Sisters