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erie federal credit union online banking

View Erie Federal Credit Union (www.eriefcu.org) location in Pennsylvania, United States, revenue, industry and description. Find related and similar. Advertiser: Great Erie Federal Credit Union. Email: Website: GreatErieFCU.com. Phone: 716-662-1311 2021-12-02 E-Edition. Contact us by phone: · Local calls: (814) 825-2436, Option 2 · Toll-free calls: .

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Saint Vincent Federal Credit Union

2314 Sassafras Street
Suite 100
Erie, PA 16502
Phone: (814) 452-5743
Fax: (814) 452-5630

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Your savings are federally insured up to $250,000 NCUA (National Credit Union Administration) a US government agency, Equal Housing Lender.




National Credit Union administrationEqal Housing OpportunityDepartment of Housing and urban development

Saint Vincent Federal Credit Union is committed to providing a website that is accessible to the widest possible audience in accordance with ADA standards and guidelines. We are actively working to increase accessibility and usability of our website to everyone. If you are using a screen reader or other auxiliary aid and are having problems using this website, please contact us at (814) 452-5743. All products and services available on this website are available at our credit union office.

Our site contains hyperlinks to other web sites operated by third parties. These links will take you away from our site. Please note that "+ CreditUnion +" does not guarantee the accuracy or completeness of any information presented on these sites nor does "Saint Vincent Federal Credit Union" represent either the third party or our member if the two enter into a transaction. The third party's privacy and security policies may differ from those practiced by the credit union. We encourage our members to know when they leave our site and to read the privacy statements of each and every web site that collects personally identifiable information. Our Privacy Statement applies solely to information collected by Saint Vincent Federal Credit Union's Web site.

Источник: https://www.svefcu.com

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Securities and variable annuities are offered through BancWest Investment Services, a registered broker/dealer, member FINRA/SIPC, and SEC Registered Investment Adviser. Financial Advisors are Registered Representatives of BancWest Investment Services. Fixed annuities/insurance products are offered through BancWest Insurance Agency in California, (License #0C52321) and through BancWest Investment Services, Inc. in all other states where it is licensed to do business. This is not an offer or solicitation in any jurisdiction where we are not authorized to do business. Bank of the West and its various affiliates and subsidiaries are not tax or legal advisors. 

BancWest Investment Services is a wholly owned subsidiary of Bank of the West. Bank of the West is a wholly owned subsidiary of BNP Paribas.

Loans, lines of credit and credit card products are subject to credit approval. Terms and conditions apply. Certain fees and restrictions may also apply. Ask your banker for details.

Investment and Insurance Products:

  • NOT FDIC INSURED
  • NOT BANK GUARANTEED
  • MAY LOSE VALUE
  • NOT A DEPOSIT
  • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Источник: https://www.bankofthewest.com/customer-service/branch-results.html

News & Articles

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2021-11-15T08:40:08-05:00

Year-End 2021 Tax Tips

Here are some things to consider as you weigh potential tax moves before the end of the year. Defer Income to Next Year Consider opportunities to defer income to 2022, particularly if you think you may be in a lower tax bracket then. For example, you may be able to defer a year- end bonus or delay the collection of business debts, rents, and payments for services in order to [...]

2021-11-15T08:40:24-05:00

Should You Speed Up Your Retirement Plans?

According to a March 2021 survey, an estimated 2.8 million Americans ages 55 and older decided to file for Social Security benefits earlier than they expected because of COVID-19. This was about double the 1.4 million people in the same age group who said they expected to work longer, presumably due to pandemic-related financial losses.1 Many older workers were pushed into retirement after losing their jobs, and others may have [...]

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Источник: https://www.widgetfinancial.com/

1 welcome to the Erie Federal Credit Union Family Important account information for 1st Choice Community Federal Credit Union Members Federally Insured by NCUA

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3 Dear 1st Choice Community FCU Member: welcome As you know, the 1st Choice Community FCU is merging with the Erie Federal Credit Union (Erie FCU). After the merger you will be able to access your account through any Erie FCU branch office. All 1st Choice Community FCU branch offices will remain open after the merger is complete. We know it will take a while to get to know each other, so you may be asked to present a valid photo ID when conducting transactions on your account. Identification is requested as an anti-fraud detection measure designed to protect your account from potential fraudulent transactions and unauthorized account access. All account balances, including dividends posted to your 1st Choice Community FCU account as of February 28th, will be transferred over to your Erie FCU account on March 1st. Please take a few moments to review the contents of this booklet to learn how the merger may impact your account. All merger information and updates will be available at This is an exciting time for us as we continue to build on our strong foundation of serving our members and our community. Welcome to the Erie Federal Credit Union family! Sincerely, Brian J. Waugaman, CEO Erie Federal Credit Union 3

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5 Table of Contents Important Merger Dates & Information... Page 6 Deposit Accounts... Page 8 Primary Savings Account Special Share Account Money Market Account Holiday Club Account Kids Club Account Checking Accounts...Page 10 Free Checking Account Premium Checking Account Dividend +Plus Checking Account Debit MasterCard Share Certificates & Individual Retirement Accounts (IRAs)...Page 12 Share Certificates Traditional IRA Certificates Coverdell Education Certificates Traditional IRA Share Account Roth IRA Share Account Coverdell Education Share Account Loans...Page 13 EZ Services...Page 14 EZ Money Manager Instructions...Page 15 Office Locations & Hours...Page 16 ATM Listings...Page 17 Fee Schedule...Page 18 Rate Information...Page 20 Products & Services...Page 23 Enclosures:... Membership Account Agreement Privacy Policy Funds Availability Electronic Funds Transfer Agreement Truth in Savings EZ Phone Brochure 5

6 Important Merger Dates & Information 6 February 27th You will not be able to use your 1st Choice Community FCU Debit Card after 5PM. You should receive your new Erie FCU Debit MasterCard by mail before February 23rd. You can continue to use your 1st Choice Community FCU checks and credit card. February 28th You will not have access to your 1st Choice Community FCU account through online banking and telephone teller after 8PM. March 1st You will be able to use your new Erie FCU Debit MasterCard after 2PM. You can activate your Debit MasterCard prior to the merger date but you must call from the phone number that is listed on your account. Activation instructions will be included with your new Debit MasterCard. March 2nd You may visit any Erie FCU branch office to obtain your new account and MICR numbers. For security purposes you may be asked for a valid photo I.D., 1st Choice Community FCU account number, and social security number. You may begin to change your direct deposits and automatic deductions to your new Erie FCU account and routing number. You can activate access to the Erie FCU EZ Money Manager home banking and EZ Phone audio response system. 1st Choice Community FCU Credit Card Holders You will be able to continue using your existing Visa credit card as it is issued and held by Elan Financial Services. The Erie FCU branch offices will not be able to process cash advances. You can continue to access your card information online and by phone through Elan Financial Services. A link to their site can be found at Important ATM Notice At this time, we cannot confirm that you will continue to have access to PNC ATMs. We are currently exploring a new agreement to provide access to the PNC ATM Network for all Erie FCU members. Please be aware that if a new agreement cannot be reached with PNC, you will no longer have surcharge-free access to the PNC ATM Network. You will however gain full access to the surcharge-free Erie FCU ATM Network and all ATMs that are part of the CU$ Network, including nation-wide credit union branch access through the CO-OP Shared Branching Network.

7 Erie FCU Checklist Below are some very important items you will need to make sure you have addressed to prevent any problems with your account. If you have any questions regarding these items, please contact us locally at or toll-free at , and select option #2. Obtained my Erie FCU Account number. Obtained my MICR and Erie FCU routing number. Changed all direct deposits and automatic deductions to Erie FCU MICR & routing number after March 2nd. See page 10 Reviewed Check ordering process. See page 10 Obtained and activated my Debit MasterCard. See page 11 Reviewed overdraft protection options. See page 11 7

8 Deposit Accounts Primary Savings Account Special Share Account Money Market Account Holiday Club Account Kids Club Account Deposit Accounts The format of your Share, Special Club, and Christmas Club Account numbers will be changing due to the merger. This change will not affect your accounts. While some of the features of your current accounts may change, we have made every effort to ensure that you continue to receive quality rates, benefits, and services. You will now receive your dividends monthly. Direct Deposit or Automatic Deductions through your Primary Savings Account All current direct deposit and automatic deduction transactions you have setup with utilities, insurance agents, fitness clubs, etc. will continue without interruption. However, you will need to begin to notify them after March 2nd of the new Erie FCU routing number and your new savings MICR account number to ensure proper processing. To change your Social Security direct deposit you may call the Social Security Administration at or visit your local Social Security Administration office. Your Account Statements If you have a Primary Savings Account, you will receive your statements on a quarterly basis. If you have a Primary Savings Account along with a Checking Account, Electronic ACH Payroll, Direct Deposit, or a Loan you will receive your statements on a monthly basis. You may elect to receive your statements electronically through EZ e-statements. Primary Savings Account Your Share Account is now your Primary Savings Account. $5.00 minimum balance required Dividends are calculated and paid monthly based on your average daily balance. 8

9 Special Share Account Your Special Club Account is now your Special Share Account. No minimum balance required Dividends are calculated and paid monthly based on your average daily balance. Holiday Club Account Your Christmas Club Account is now a Holiday Club Account. No minimum balance required Dividends are calculated and paid monthly based on your average daily balance. Balance is auto-transferred to your Primary Savings Account on October 1st. Money Market Account $5,000 minimum balance required No minimum/maximum deposit or withdrawal amounts Tiered dividend rates Dividends are calculated and paid monthly based on your average daily balance. Treasure Club Kids Savings Account $5.00 minimum balance required Kids between the ages of 0 to 12 are eligible Dividends are calculated and paid monthly based on your average daily balance. Please refer to Page 18 of this booklet for details on the benefits and fees associated with these deposit accounts. 9

10 Checking Accounts Free Checking Account Premium Checking Account Dividend +Plus Checking Account Debit MasterCard Checking Account Your Share Draft Account number will be changing due to the merger. You will be able to continue to use your remaining 1st Choice Community FCU checks after March 1st. Ordering Erie FCU Checks... When you need to reorder checks, you may do so at any Erie FCU branch office. If you do not order your checks through the credit union, please use the Erie FCU routing number and your new checking MICR number when you place your order. Members over age 62 will no longer receive a free box of checks with your Free Checking Account. Free Checking Account Your Share Draft Account is now a Free Checking Account. No minimum balance required No monthly dividends No monthly service fee Free Debit MasterCard Direct Deposit or Automatic Deductions through your Checking Account... All current direct deposit and automatic deduction transactions you have setup with utilities, insurance agents, fitness clubs, etc. will continue without interruption. However, you will need to begin to notify them after March 2nd of the new Erie FCU routing number and your new checking MICR account number. To change your Social Security direct deposit you may call the Social Security Administration at or visit your local Social Security Administration office. Your Checking Account Statement... You will receive your Erie FCU statement monthly and it will include the date and check number of each check cleared through your Checking Account. Cleared checks will not be returned to you but you may request copies of checks at any time or print copies through EZ Money Manager. You may elect to receive your statements electronically through EZ e-statements. 10

11 MasterCard Debit Card You may continue to use your current 1st Choice Community FCU debit card until 5PM, February 27, Your new Erie FCU Debit MasterCard will be mailed to you prior to the merger date. You can begin using your new card on March 1st after 2PM. To activate your new card you must call the card activation number from the phone number you have listed on your account. Your Debit MasterCard will allow you to make purchases (PIN or signature) and ATM withdrawals and deposits. All ATM and debit card transactions will post to your account on the date and time they were initiated or authorized. You will not be charged fees if you use your Debit Card at ATMs in the Erie FCU Network. Transfers will continue from your new Share Account to cover checks, automatic payments/withdrawals, and ACH transactions. If you currently utilize Courtesy Pay, you will continue to enjoy this benefit. You may opt-in for Courtesy Pay to pay overdrafts on your everyday ATM and debit card transactions at any branch office. Please refer to Page 18 of this booklet for details on the benefits and fees associated with these deposit accounts. 11

12 Share Certificates and Individual Retirement Accounts (IRA) Share Certificates Traditional IRA Certificates Roth IRA Certificates Coverdell Education Certificates Traditional IRA Share Account Roth IRA Share Account Coverdell Education Share Account Your Share Certificate Your current Share Certificate will transfer to an Erie FCU Share Certificate at your current term and rate. On the maturity due date, the balance will transfer into your Primary Savings Account. Your current Traditional IRA and Roth IRA Share Certificates will transfer to Erie FCU Traditional IRA and Roth IRA Share Certificates at your current term and rate. On the maturity date, the balance will transfer into your IRA Share Account. Your Traditional or Roth IRA Share Account Your Traditional or Roth Share Account will remain an IRA Share Account. Beginning March 1st, 2015 tiered dividend rates on these accounts will go into effect. This means your dividend rate will be based upon the balance in your Traditional or Roth Share Account. Please see the Truth in Savings Disclosure for current rates. Share Certificates $500-$1,000 minimum balance required Certificate terms: 6 months-60 months 59 month Step-Up Share Certificate Jumbo and Super Jumbo options available Dividends are calculated and paid monthly based on your average daily balance Traditional IRA, Roth IRA, or Coverdell Education Certificates $500-$1,000 minimum balance required Certificate terms: 6 months-60 months 59 month Step-Up Share Certificate Jumbo and Super Jumbo options available Dividends are calculated and paid monthly based on your average daily balance Traditional IRA, Roth IRA, or Coverdell Education Share Accounts No minimum balance required Tiered Dividend Rates Dividends are calculated and paid monthly based on your average daily balance 12

13 Loans Your Loan Account The loan, term, interest rate, and payment amount of any 1st Choice Community FCU loan will not change as a result of the merger. We have taken care to ensure that your scheduled loan payments will not be disrupted in any way. Refinancing Current Loans You may apply to refinance your current loans if the Erie FCU current loan rate is lower than the interest rate on your existing loans. To take advantage of this offer, you must apply prior to April 30, Loans are subject to credit approval. Our rates, terms, and conditions vary based on credit worthiness, qualifications, and collateral conditions. Making your Payments If you currently have your loan payments automatically deducted from your checking or savings account, they will continue to be deducted from that account after the merger. All loan payments can be made through the mail, EZ Phone, EZ Money Manager, Fast Branch ATM, automatic deduction or in person at any Erie FCU office. Loan payments made by mail should include your name, address and loan number. Payments must be mailed to the address indicated below: Erie Federal Credit Union Attn: Loan Payments 2436 Buffalo Road Erie, PA Erie FCU Loan Products Auto Loans- New & Used Recreational Vehicle, Motorcycle, and Boat Loans EZ Loans- Personal, Unsecured Loan Share Secured Loan Better Choice Loan Mortgage Loan- terms up to 30 years Home Equity Loan Home Equity Line of Credit (HELOC) Platinum MasterCard You may apply for any Erie FCU loan product at any branch office or online at 13

14 EZ Services 24/7 Account Access You will have access to your account information and be able to perform financial transactions through 24/7 Account Access. You will automatically have access to your Erie FCU Account beginning March 2, 2015 through EZ Phone. EZ Phone To activate access to your account through the EZ Phone audio response system, simply dial us locally at (814) or toll-free at (800) and select option #9. You will be prompted to enter your Erie FCU account number, social security number, and create a PIN (personal identification number). You will then be able to verify balances, transfer funds, and review your transaction history. Please refer to the EZ Phone Menu Brochure enclosed. EZ Money Manager To set-up online access to your account log on to Once you have access to your account through EZ Money Manager you will be able to enroll in other 24/7 Account Access options. Please refer to the EZ Money Manager instructions on Page 15. EZ e-statements - Secure access to your monthly and quarterly statements EZ Mobile - Use your mobile device to access your account EZ Bill Pay - The easy and flexible way to pay your bills EZ Alerts - Customized text and alerts to help monitor your finances ezcardinfo - Manage and make payments to your Platinum MasterCard CO-OP Shared Branching... Erie FCU members have convenient nation-wide access to their accounts through the CO-OP Shared Branch Network. With 30,000 surcharge-free ATMs and more than 5,000 credit union branches you can access your account anywhere. Find the nearest branch, locate an ATM or download the mobile app at Services Available: Deposits Check cashing Cash withdrawals Transfer between accounts Loan payments 14

15 EZ Money Manager Instructions EZ Money Manager (EZMM) self-enrollment, through the Erie Federal Credit Union website, gives you immediate access to your account online. You can verify account balances, transfer funds, schedule transfers and make loan payments. You can also enroll in Free EZ Bill Pay, EZ Mobile and EZ e-statements. 1. Go to the Erie FCU website at 2. Under member login, click on: Register 3. When enrolling in EZMM for the first time you must accept the Terms & Agreement disclosure by clicking: I Accept. 4. Identity Verification Please complete the required fields: Your Erie FCU Member Account Number, Social Security Number and Date of Birth. Then click: Continue. 5. Secondary Account Validation Answer ANY THREE of the listed questions. Only three fields are required to be completed, matching what is in your account record. If you choose to complete more than three fields, all of the chosen fields must be answered correctly. If any of the answers are incorrect, you will receive an error. For security purposes, the system will not tell you which fields were incorrect. When finished click: Continue. If you are unable to provide answers for the validation questions, please contact the Support Center. 6. Create and input your new EZMM Username and Password. Follow the instructions on the screen for length and character requirements for your Username and Password. When finished click: Continue. 7. Click Login to enter and access EZMM using your new Username and Password. Once your enrollment is complete, a notice will be sent to the we have on file, verifying your enrollment to EZ Money Manager. You can also use this self-enrollment process to reset or change your Username and Password or to unfreeze your account access. Note: You will be unable to enroll in EZMM during nightly processing typically between 8:30 PM to 10:00 PM. If you have any questions, please call our Support Center locally at (814) , or toll-free at and select option #2. 15

16 Office Locations & Hours Office Lobby Hours Drive Thru Hours Main Office 1109 East 38th Street Erie, PA Buffalo Road Office 2436 Buffalo Road Erie, PA Bayfront Office 1005 Greengarden Road Erie, PA Zuck Road Office 5500 Zuck Road Erie, PA West 32nd Street Office 1220 West 32nd Street Erie, PA State Street Office 518 State Street Erie, PA Peach Street Office (Walmart Supercenter) 1825 Downs Dr. Erie, PA Schaper Avenue Office 3910 Schaper Avenue Erie, PA Edinboro Office 101 Washington Towne Blvd.

17 Erie FCU No Surcharge & No Fee ATMs You can make unlimited withdrawals and deposits at the ATMs listed below using your Erie FCU issued Debit MasterCard or STAR Card and you will not be charged a surcharge or Out-of-Network Fee. Cash Dispenser (Cash Dispense Only) Erie County Court House 140 West 6th St. Erie Erie FCU 518 State St. Erie Erie FCU 1005 Greengarden Rd. Erie Erie FCU 5500 Zuck Rd. Erie Widget Financial 5 Grant St. North East Faulkners Country Market Route 8 Wattsburg Gannon University The Waldron Center 124 West 7th St. Erie Kwik Fill 3725 McClelland Ave. Erie Erie Insurance Arena 809 French St. Erie Manus Sunoco 26 East 12th St. Erie PHB Employees FCU 7773 Main St. Fairview Shell Food Mart 605 Parade St. Erie Shell Food Mart 4917 Peach St. Erie Shell Holiday Mart 8228 Peach St. Erie Village West 3330 West 26th St. Erie Wykoffs Gulf Express 3804 Liberty St. Erie Warner Theatre 811 State St. Erie Bayfront Convention Center 1 Sassafras Pier Erie Full Service (Deposit & Cash Dispense) Erie FCU 101 Washington Blvd. Edinboro Walmart Supercenter 1825 Downs Drive (Peach & I-90) Erie FCU 3910 Schaper Ave. Erie Erie FCU 1109 East 38th St. Erie Erie FCU 1005 Greengarden Rd. Erie Erie FCU 2436 Buffalo Rd. Erie Erie FCU 5500 Zuck Rd. Erie Fast Branch (Fast Branch/ATM) Kwik Fill 82 East Main Rd. North East Shell Food Mart 7484 West Ridge Rd. Fairview Lovell Place 153 East 13th Street Erie West 32nd Street (2 Fast Branches) 1220 West 32nd St. Erie Surcharge Fees This fee is assessed by the ATM owner You may incur a surcharge if you use your Erie FCU Debit MasterCard or STAR Card at an ATM that is not part of the Erie FCU, CU$ or CO-OP Shared Branch or ATM Network. Out-of-Network ATM Fees - This fee is assessed by the Erie FCU Erie FCU Free Checking Accounts will be charged a $1.50 Out-of-Network Fee each time that they use an ATM not listed above. Erie FCU Premium Checking or Dividend +Plus Checking Accounts can make up to 4 withdrawals per month without incurring an Out-of-Network Fee at ATMs not listed above. If you are not using an Erie FCU Debit MasterCard or STAR Card, your Financial Institution may impose a usage fee for using an Out-of-Network ATM. This fee may be in addition to a surcharge fee you agreed to pay at the point of transaction. 17

18 18 Fee Schedule Effective August 1, 2013 Savings Account Fees Primary Savings Account Bad Address Fee... $5.00 per address change Savings Account Unable to Locate Fee... $10.00 per statement Holiday Club Fee... $5.00 per early withdrawal Prime Savings Account Re-open Fee... $20.00 (within 90 days of opening) Prime Savings Closure Fee... $5.00 (within 90 days of opening) Checking Account Fees Overdraft Fee... $25.00 per item ACH Return NSF... $25.00 per item Stop Payment Fee... $25.00 per check Stop Payment Fee - sequence of checks... $35.00 per sequence Courtesy Pay Overdraft Protection Fee... $25.00 per item Premium Checking Account Service Fee... $2.00 per month New Beginnings Checking Account Service Fee... $5.00 per month Checking Account Reopen Fee... $20.00 (within 90 days) Manual Processing Fee... $25.00 per item ACH Manual Processing Fee... $25.00 per item Overdraft Protection Fee... $3.00 per transfer from savings Check Copy Fees posted date within last 6 months $2.00 per check posted date 7 months or more... $4.00 per check Starter Checks for New Checking Accounts... First Twelve (12) checks free $2.00 per four (4) thereafter Existing Checking Accounts... $2.00 per four (4) checks Star Card/Debit MasterCard Fees Replacement Card Fee... $5.00 per card Additional Card Fee... $5.00 per card Express Mailing of Card... $48.00 Card Blocked for Negative Balance... $5.00 Replacement for Blocked Card Fee... $5.00 Card Unblocked per Members Request... $5.00 Other Service Fees (applicable to all accounts) Account Inactivity Fee... $5.00 per month after six (6) months Account Statement/History Copy Fee... Pick-up/Mailed $2.00 per page Account Reconciliation Fee... $20.00 per hour Account Research Fee... $20.00 per hour TravelMoney VISA Card... $3.00 per card VISA Prepaid Gift Card... $2.50 per card Transaction Receipt Mailed... $2.00 per receipt Deposited Item Return Fee... $25.00 per item Money Order Fee... $2.00 per item

19 Money Order Stop Payment Fee... $5.00 per item Money Order Copy Fee... $2.00 per item Cashier s Check... $5.00 per item Cashier s Check Declaration of Loss Fee... $5.00 per item Cashier s Check Copy Fee... $2.00 per item Court Order/Legal/Tax Levy Fee... $35.00 Certified Mail Fee... Fee based on current US Postal rate. IRA Account Transfer Fee... $25.00 Account Verification Fee... $10.00 per request Dormant EZ Bill Pay Fee... $3.00 per month after 90 days Commercial Coin Fee (Coin Sorter)... 3% of Amount EZ Bill Pay... FREE with at least one transaction per month minimum Check by Phone Fee... $8.00 per check Loan Payment Convenience Fee... $8.00 per item Check Cashing for Non Members... $2.00 per check FedLine Wire Transfer Incoming/Outgoing Fee Within the USA... $12.00 per transfer Outside the USA... $30.00 per transfer Electronic Funds Transfer Fees Unlimited Transactions/Balance Inquiries... at Proprietary ATMs Foreign ATM Inquiry Fee... $.75 per inquiry Foreign ATM Withdrawal Fee Premium or Dividend +Checking... $1.50 per withdrawal after 4 per month Free Checking... $1.50 per withdrawal Regular Savings... $1.50 per withdrawal Credit Union Membership *Membership par value is not a fee Membership Share... $5.00 par value The rates and fees appearing in this schedule are accurate and effective for accounts as of the Effective Date indicated on this Fee Schedule. If you have any questions or require current fee information on your accounts, please contact the Credit Union. Federally insured by NCUA. 19

20 20 Rate Information (Rates are subject to change without notice. Contact Erie FCU for additional information.) First Mortgage Loans: Up to 30 Years APR* Points Term 10 Year Conventional Fixed Mortgage Loan 3.250% 0 Points Year Conventional Fixed Mortgage Loan 2.750% 3 Points Year Conventional Fixed Mortgage Loan 3.250% 0 Points Year Conventional Fixed Mortgage Loan 2.750% 3 Points Year Conventional Fixed Mortgage Loan 3.875% 0 Points Year Conventional Fixed Mortgage Loan 3.500% 3 Points Year Conventional Fixed Mortgage Loan 4.000% 0 Points Year Conventional Fixed Mortgage Loan 3.625% 3 Points 360 Jumbo Mortgage Loans: Amounts above $417,000 See Below N/A N/A 10, 15 Year Fixed Mortgage Loan 4.000% 0 Points , 15 Year Fixed Mortgage Loan 3.250% 3 Points , 25, 30 Year Fixed Mortgage Loan 4.750% 0 Points , 25, 30 Year Fixed Mortgage Loan 4.125% 3 Points Up to 15 Years - No Closing Costs Mortgage Loans 0-60 Months 4.410% 60 Mortgage Loans Months 4.630% 84 Mortgage Loans Months 4.690% 144 Mortgage Loans Months 4.690% 180 *APR = Annual Percentage Rate. Interest rates shown are for conventional fixed mortgage loans. Rates may change daily, are subject to change without prior notice, and apply to loans up to Fannie Mae s conventional mortgage loan limits. Payment example: 360 monthly payments at 4.250% APR with no payment protection produces a payment of $4.92 per $1, borrowed. Please contact us for current interest rate information, mortgage loan limits, a fee schedule or down payment requirements at (814) or (800) Home Equity Loans: Home Equity Loans APR* Term Home Equity-Subordinate Mortgage (0-60 Months) 2.990% 60 Home Equity-Subordinate Mortgage (61-84 Months) 3.490% 84 Home Equity-Subordinate Mortgage ( Months) 6.690% 144 Home Equity-Subordinate Mortgage ( Months) 6.690% 180 Income Property Income Property (1st Mortgage, 180 Months, $50,000) 7.24% 180 Income Property (2nd Mortgage, 144 Months, $50,000) 7.99% 144 *APR = Annual Percentage Rate. Interest rates shown below are for conventional mortgage loans and are subject to change without prior notice. Payment example: 60 monthly payments at 2.990% APR with no payment protection produces a payment of $17.97 per $1, borrowed. Home Equity Lines of Credit: PRIME AFFINITY Home Equity Lines of Credit Rate* Credit Limit less than $25, (Min $5,000) Prime +.75% Credit Limit from $25, to $74, Prime +.00% Credit Limit greater than $75, (Max $150,000) Prime -.75% *APR = Annual Percentage Rate. Interest rates shown below are for conventional mortgage loans and are subject to change without prior notice. The annual percentage rate is variable based on the Prime Rate published in the Wall Street Journal, plus or minus an index; maximum APR is 18.00%. Automobile & Motorcycle Loans New ( ) APR * Used ( ) APR * 0 to 24 Months 2.24% 0 to 24 Months 2.75% 25 to 36 Months 2.75% 25 to 36 Months 3.25% 37 to 48 Months 3.00% 37 to 48 Months 3.50% 49 to 60 Months 3.50% 49 to 60 Months 4.00% 61 to 72 Months 3.85% 61 to 72 Months 4.25% 73 to 84 Months 4.50% 73 to 75 Months 5.25% Used ( ) APR * 0 to 24 Months 2.75% 25 to 36 Months 3.25% 37 to 48 Months 3.50% 49 to 54 Months 4.50%

21 New and Used Boat & RV Loans APR* Term New Boat & RV (0-24 Months) 6.25% 24 New Boat & RV (25-60 Months) 6.75% 60 New Boat & RV (61-84 Months) 7.25% 84 New Boat & RV ( Months) 7.75% 120 Used Boat & RV (0-60 Months) 7.50% 60 Used Boat & RV (61-84 Months) 8.00% 84 *The Annual Percentage Rates disclosed below with an asterisk ( * ) represent the lowest possible APR for that Auto Loan. Rates, terms, and conditions vary based on creditworthiness, qualifications, and collateral conditions, and are subject to change. Payment example: 60 months at 3.50% Annual Percentage Rate with no payment protection produces a payment of $18.20 per $ borrowed. MasterCard Credit Cards APR * Platinum MasterCard * *Your Annual Percentage Rate (APR) will be based on certain creditworthiness criteria at the time you open your account. Additional Loans Share Secured Loan APR* Term Share Secured Loan 5.00%* 60 EZ Loan (Unsecured Loan) Up to 12 Months 6.75%** 12 EZ Loan (Unsecured Loan) Up to 36 Months 8.75%** 36 EZ Loan (Unsecured Loan) Up to 48 Months 9.25%** 48 EZ Loan (Unsecured Loan) Up to 60 Months 9.75%** 60 Holiday Loan Available October-January 6.75%** 12 Better Choice Loan - Payday Lending Alternative Better Choice Loan *** 18.00% 90 Days *APR = Annual Percentage Rate. The Annual Percentage Rate disclosed is the lowest possible APR for this loan. **The Annual Percentage Rate disclosed is the lowest possible APR for this loan. Your interest rate and term will be based on certain creditworthiness criteria. Contact us to determine your qualifying APR. A.25% APR discount is available on Tuition, Unsecured and Holiday Loans with an automatic transfer or payroll deduction payment method. ***The Better Choice Loan has a $20.00 application fee. Deposit Accounts Share Savings Dividend Rate APY* Regular Share Tiered Rate (Balance $.01 to $4,000.00) 0.15% 0.15% Regular Share Tiered Rate (Balance $4,000+) 0.30% 0.15% % Money Market Share Tiered Rate (Balance $5, to $25,000.00) 0.25% 0.25% Money Market Share Tiered Rate $25, to $50, % 0.25% % Money Market Share Tiered Rate $50, to $100, % 0.30% % Money Market Share Tiered Rate $100, and above 0.55% 0.38%- 0.54% Holiday Share Club (Balance $.01+) 0.15% 0.12% Special Share Club (Balance $.01+) 0.30% 0.31% EZ Saver Share (Balance $.01+) 0.15% 0.12% Share Draft Checking Free Checking N/A N/A Premium Checking (Balances $.01+) 0.10% 0.12% Dividend +Plus Checking $ to $25,000 (Requirements Met) 3.00% 3.04% Dividend +Plus Checking $ to $25,000 (Requirements Not Met) 0.10% 0.10% Dividend +Plus Checking greater than $25, % 0.10% *APY = Annual Percentage Yield. The disclosed dividend rates are variable and may change after the member opens the account(s). Regular Share Savings Accounts require a minimum balance of $5.00. Dividends are calculated and paid monthly based on the average daily balance during the month. Money Market accounts require a minimum deposit of $5, to open the account. Tier interest rate share accounts will reflect a blended APY on the periodic statement. Fees or penalties may be imposed for early withdrawals and could reduce earnings on the accounts. 21

22 22 Share Certificates Roth and Coverdell IRA Dividend Rate APY* Term Minimum Deposit Term Share Certificate 0.30% 0.30% 6 $1,000 Term Share Certificate 0.30% 0.30% 12 $500 Term Share Certificate 0.45% 0.45% 12 $1,000 Term Share Certificate 0.55% 0.55% 18 $1,000 Term Share Certificate 0.65% 0.65% 24 $1,000 Term Share Certificate 0.75% 0.75% 30 $1,000 Term Share Certificate 0.80% 0.80% 33 $1,000 Term Share Certificate 1.05% 1.06% 36 $1,000 Term Share Certificate 1.25% 1.26% 48 $1,000 Term Share Step-up Certificate 1.45% 1.46% 59 $1,000 Term Share Certificate 1.60% 1.61% 60 $1,000 Jumbo Certificate (20 basis point over basic rate) N/A N/A N/A $75,000 SUPER Jumbo Certificate (45 basis points over basic rate) N/A N/A N/A $250,000 Traditional IRA IRA Share Tiered Rate Less than $25, % 0.25% N/A N/A IRA Share Tiered Rate $25, to $50, % 0.25% % N/A N/A IRA Share Tiered Rate $50, to $100, % 0.30% % N/A N/A IRA Share Tiered Rate $100, and greater 0.55% 0.38%- 0.54% N/A N/A IRA Share Certificate 0.30% 0.30% 6 $1,000 IRA Share Certificate 0.45% 0.45% 12 $1,000 IRA Share Certificate 0.55% 0.55% 18 $1,000 IRA Share Certificate 0.65% 0.65% 24 $1,000 IRA Share Certificate 0.75% 0.75% 30 $1,000 IRA Share Certificate 0.80% 0.80% 33 $1,000 IRA Share Certificate 1.05% 1.06% 36 $1,000 IRA Share Certificate 1.25% 1.26% 48 $1,000 IRA Share Step-up Certificate 1.45% 1.46% 59 $1,000 IRA Share Certificate 1.60% 1.61% 60 $1,000 Jumbo Certificate (20 basis points over basic rate) N/A N/A N/A $75,000 SUPER Jumbo Certificate (45 basis points over rate) N/A N/A N/A $250,000 Roth and Coverdell IRA Share Tiered Rate Less Than $25, % 0.25% N/A N/A Roth and Coverdell IRA Share Tiered Rate $25, to $50, % 0.25% % N/A N/A Roth and Coverdell IRA Share Tiered Rate $50, to $100, % 0.30% % N/A N/A Roth and Coverdell IRA Share Tiered Rate $100, and greater 0.55% 0.38%- 0.54% N/A N/A Roth/Coverdell IRA Share Certificate 0.30% 0.30% 6 $500 Roth/Coverdell IRA Share Certificate 0.45% 0.45% 12 $500 Roth/Coverdell IRA Share Certificate 0.55% 0.55% 18 $500 Roth/Coverdell IRA Share Certificate 0.65% 0.65% 24 $500 Roth/Coverdell IRA Share Certificate 0.75% 0.75% 30 $500 Roth/Coverdell IRA Share Certificate 0.80% 0.80% 33 $500 Roth/Coverdell IRA Share Certificate 1.05% 1.06% 36 $500 Roth/Coverdell IRA Share Certificate 1.25% 1.26% 48 $500 Roth/Coverdell IRA Step-up Certificate 1.45% 1.46% 59 $500 Roth/Coverdell IRA Share Certificate 1.60% 1.61% 60 $500 Jumbo Certificate (20 basis points over basic rate) N/A N/A N/A $75,000 SUPER Jumbo Certificate (45 basis points over rate) N/A N/A N/A $250,000 *APY = Annual Percentage Yield. Rates are subject to change. A penalty may be imposed for early withdrawal. A minimum daily balance must be maintained in order to earn the disclosed APY.

23(CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor. CBSI is under contract with the financial institution to make securities available to members. Not NCUA/NCUSIF/FDIC insured, May Lose Value, No Financial Institution Guarantee. Not a deposit of any financial institution. FR C63 Member Benefits Brochure (0413).indd 2 4/10 23

24 1959 East 36th Street Erie, Pennsylvania 16510

Источник: https://docplayer.net/14050447-Welcome-to-the-erie-federal-credit-union-family-important-account-information-for-1st-choice-community-federal-credit-union-members.html

What is Online Banking?

Online Banking is our online service that allows you to access your account information 24 hours a day, 7 days a week. Using Online Banking, you can:

  • View real-time account balances, check images and history
  • 24-hour access to checking, loans and CDs
  • Transfer funds between accounts
  • Pay bills online

What do I need to bank online?

Banking online is easy. Online Banking works well on most of today's browsers and must support 128-bit SSL encryption. If your browser does not support these encryption levels, you'll need to update it. To get started, simply complete the enrollment form to receive your log in information.

What types of accounts can I view with Online Banking?

With Online Banking, you can view all your Great Erie Federal Credit Union accounts, as well as loans.

How often is my account information updated?

Account information is updated in real-time, offering you the most current information available.

How secure is my personal account information?

Great Erie Federal Credit Union uses the latest Internet security available, including secure communications (SSL), firewalls, 128 bit encryption, and operating systems that have been designed to provide maximum security.

Why am I signed off sometimes and I have to sign in again?

If Online Banking has been inactive for a period of time, Online Banking may automatically sign you off to prevent unauthorized use of your accounts, and to prevent others from viewing your information.

Can I pay my bills using Online Banking?

Yes. You can make payments to anyone in the United States from the utility company to the local babysitter. You may schedule payments to be made immediately or on a specified date in the future. You can even set up recurring payments so you do not have to worry about paying your regular bills. Recurring payments can be set up weekly, semi-monthly or monthly. Bill Pay eliminates the need for writing checks or addressing envelopes. More importantly, it saves you time and simplifies your busy life. (Fees may apply)

What type of account is required for Bill Pay?

Bill pay can only be used with a checking account.

May I pay bills from more than one checking account?

Yes.

How far in advance should I set up a payment to ensure it is paid on time?

We recommend that payments should be made at least five (5) business days in advance of the due date of the payee.

Can I transfer funds between my accounts?

Yes, you can transfer funds between any of your Great Erie Federal Credit Union accounts.

Do I need extra software or hardware to use Online Banking?

No extra software is necessary. You can access your Great Erie Federal Credit Union accounts from almost any PC that has Internet access.

Will Online Banking work with my current Internet Service Provider?

Yes, Online Banking works with any ISP.

Can I access my accounts from both home and work?

Yes, you can access your accounts from almost any PC.

 
Need Assistance?

If you have additional questions, contact Great Erie Federal Credit Union for assistance.

Источник: https://onlinebanktours.com/mobile/?BID=5461&c=121598&p=278823&category=Menu
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Learn With Us

How to Build Good Credit in College

Going to college is one of the first steps of freedom as you transition from being at home with family to living independently as a young adult. With this transition comes a myriad of decisions to make about your education, housing arrangements, social life and money habits.  Each decision helps to prepare for a future […]

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How to Start Building Credit in High School and College

Why is your credit score important? Building and maintaining good credit is a smart step toward financial independence, and the earlier you start, the better. Having a solid credit rating is important for several big financial moves like buying your first car, applying for a loan, being screened for an apartment, and purchasing a home. […]

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6 Critical Lessons for Your Teen’s First Credit Card

Starting at age 18, young adults can get their first credit card to start building their credit and working toward financial independence. Before they start using their new card, it is important to make sure they understand the key elements of using and paying with  a credit card. Here are six important things your teen […]

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By accessing this link you will be leaving The Summit Federal Credit Union’s website and entering a website hosted by another party. The Summit is not responsible for its products, services, or overall website content. We encourage you to read and evaluate the privacy and security policies of the site you are entering, which may be different than those of The Summit. If you choose to conduct business here, you will be conducting business with another party’s website.

By accessing this link you will be leaving The Summit Federal Credit Union’s website and entering a website hosted by a third party vendor. The Summit has contracted with this third party vendor to provide you with certain services. We encourage you to read and evaluate the privacy and security policies of the site you are entering, which may be different than those of The Summit. If you choose to conduct business here, you will be conducting business with the third party vendor’s website.

Источник: https://www.summitfcu.org/

Buffalo Service Credit Union

Since 1933, we've been there for our neighbors in the Buffalo, NY area. From free checking accounts that make your life a little easier with mobile and online banking, to planning for a brighter tomorrow with savings accounts and IRAs, we're here for what life brings you today and tomorrow. Everyone wants to make the most out of life, and we help make it possible with auto loans, home equity loans, credit cards and more.

Experience the Difference at Buffalo Service Credit Union

At Buffalo Service Credit Union, we make decisions with your best interest in mind. We're owned by our members, people like you who have accounts or loans with us. That means that we answer to you -- not stockholders.

Our members can take advantage of our competitive HELOC rates and auto loan rates with affordable monthly payments. Interested in opening an account or applying for a loan or credit card? Buffalo Service Credit Union makes it quick and easy.

Become a Member

Savings Account Near Buffalo Ny From Buffalo Service Credit Union

Источник: https://www.buffaloservicecreditunion.org/
erie federal credit union online banking

Erie federal credit union online banking -

Online Banking

Online Banking Support

Please review the topics below for assistance with Online Banking. If you don't see information dealing with your particular issue, please feel free to call or chat with our Customer Service team during regular business hours:

1-800-555-5455
8 AM – 9 PM (Mon-Fri)
8 AM – 5 PM (Sat-Sun)

  • If you receive a message which says, "Please upgrade your browser to continue using Online Banking" it means you are using an older web browser that is no longer supported by Online Banking. The below table outlines our minimum computer operating system and web browser combinations.

     

     

    Windows 7 or higher

    Microsoft Internet Explorer 9.0 or higher

    Firefox 35.0 or higher

    Google Chrome Version 40.0 or higher

    Internet Explorer Download SiteMozilla Firefox Download SiteGoogle Chrome Download Site
    Mac OS X 10.8 or higher

    Firefox 35.0 or higher

    Safari 7.0 or higher

    Mozilla Firefox Download SiteSafari Browser Download Site
    NOTE: Beta versions of browsers and Operating Systems are not supported. Use of unsupported browsers or Operating Systems is at your own risk.
  • If you receive a message which says, "You appear to be having a problem connecting to online banking" please follow the instructions presented on the error page that correspond to the web browser you are using. Alternatively, you may use the PDFs below to troubleshoot this issue yourself.


    Internet
    Explorer
    Chrome
    Firefox
    Safari
  • Internet Explorer's Compatibility Mode is a feature intended to allow old websites to be view-able with newer versions of Internet Explorer. When this feature is used with newer websites, unintended consequences may occur which render the new site unusable.

    If you receive the error, "Please disable Compatibility Mode to continue using Online Banking." you can disable this feature by taking the following steps:

    1. Within Internet Explorer click "Tools" then "Compatibility View Settings" from the top menu.

    2. In the resulting dialogue box, review the entries listed under "Websites you've added to Compatibility View".

    3. If you see an entry for "fnb-onlinebankingcenter.com" in the list, please left-click on the URL to highlight it and then click "Remove".

    4. Finally, click "Close" and then log in to Online Banking as needed.

Источник: https://www.fnb-online.com/Personal/Checking-Savings/Online-Mobile-Options/Online-Banking

1 welcome to the Erie Federal Credit Union Family Important account information for 1st Choice Community Federal Credit Union Members Federally Insured by NCUA

2

3 Dear 1st Choice Community FCU Member: welcome As you know, the 1st Choice Community FCU is merging with the Erie Federal Credit Union (Erie FCU). After the merger you will be able to access your account through any Erie FCU branch office. All 1st Choice Community FCU branch offices will remain open after the merger is complete. We know it will take a while to get to know each other, so you may be asked to present a valid photo ID when conducting transactions on your account. Identification is requested as an anti-fraud detection measure designed to protect your account from potential fraudulent transactions and unauthorized account access. All account balances, including dividends posted to your 1st Choice Community FCU account as of February 28th, will be transferred over to your Erie FCU account on March 1st. Please take a few moments to review the contents of this booklet to learn how the merger may impact your account. All merger information and updates will be available at This is an exciting time for us as we continue to build on our strong foundation of serving our members and our community. Welcome to the Erie Federal Credit Union family! Sincerely, Brian J. Waugaman, CEO Erie Federal Credit Union 3

4

5 Table of Contents Important Merger Dates & Information... Page 6 Deposit Accounts... Page 8 Primary Savings Account Special Share Account Money Market Account Holiday Club Account Kids Club Account Checking Accounts...Page 10 Free Checking Account Premium Checking Account Dividend +Plus Checking Account Debit MasterCard Share Certificates & Individual Retirement Accounts (IRAs)...Page 12 Share Certificates Traditional IRA Certificates Coverdell Education Certificates Traditional IRA Share Account Roth IRA Share Account Coverdell Education Share Account Loans...Page 13 EZ Services...Page 14 EZ Money Manager Instructions...Page 15 Office Locations & Hours...Page 16 ATM Listings...Page 17 Fee Schedule...Page 18 Rate Information...Page 20 Products & Services...Page 23 Enclosures:... Membership Account Agreement Privacy Policy Funds Availability Electronic Funds Transfer Agreement Truth in Savings EZ Phone Brochure 5

6 Important Merger Dates & Information 6 February 27th You will not be able to use your 1st Choice Community FCU Debit Card after 5PM. You should receive your new Erie FCU Debit MasterCard by mail before February 23rd. You can continue to use your 1st Choice Community FCU checks and credit card. February 28th You will not have access to your 1st Choice Community FCU account through online banking and telephone teller after 8PM. March 1st You will be able to use your new Erie FCU Debit MasterCard after 2PM. You can activate your Debit MasterCard prior to the merger date but you must call from the phone number that is listed on your account. Activation instructions will be included with your new Debit MasterCard. March 2nd You may visit any Erie FCU branch office to obtain your new account and MICR numbers. For security purposes you may be asked for a valid photo I.D., 1st Choice Community FCU account number, and social security number. You may begin to change your direct deposits and automatic deductions to your new Erie FCU account and routing number. You can activate access to the Erie FCU EZ Money Manager home banking and EZ Phone audio response system. 1st Choice Community FCU Credit Card Holders You will be able to continue using your existing Visa credit card as it is issued and held by Elan Financial Services. The Erie FCU branch offices will not be able to process cash advances. You can continue to access your card information online and by phone through Elan Financial Services. A link to their site can be found at Important ATM Notice At this time, we cannot confirm that you will continue to have access to PNC ATMs. We are currently exploring a new agreement to provide access to the PNC ATM Network for all Erie FCU members. Please be aware that if a new agreement cannot be reached with PNC, you will no longer have surcharge-free access to the PNC ATM Network. You will however gain full access to the surcharge-free Erie FCU ATM Network and all ATMs that are part of the CU$ Network, including nation-wide credit union branch access through the CO-OP Shared Branching Network.

7 Erie FCU Checklist Below are some very important items you will need to make sure you have addressed to prevent any problems with your account. If you have any questions regarding these items, please contact us locally at or toll-free at , and select option #2. Obtained my Erie FCU Account number. Obtained my MICR and Erie FCU routing number. Changed all direct deposits and automatic deductions to Erie FCU MICR & routing number after March 2nd. See page 10 Reviewed Check ordering process. See page 10 Obtained and activated my Debit MasterCard. See page 11 Reviewed overdraft protection options. See page 11 7

8 Deposit Accounts Primary Savings Account Special Share Account Money Market Account Holiday Club Account Kids Club Account Deposit Accounts The format of your Share, Special Club, and Christmas Club Account numbers will be changing due to the merger. This change will not affect your accounts. While some of the features of your current accounts may change, we have made every effort to ensure that you continue to receive quality rates, benefits, and services. You will now receive your dividends monthly. Direct Deposit or Automatic Deductions through your Primary Savings Account All current direct deposit and automatic deduction transactions you have setup with utilities, insurance agents, fitness clubs, etc. will continue without interruption. However, you will need to begin to notify them after March 2nd of the new Erie FCU routing number and your new savings MICR account number to ensure proper processing. To change your Social Security direct deposit you may call the Social Security Administration at or visit your local Social Security Administration office. Your Account Statements If you have a Primary Savings Account, you will receive your statements on a quarterly basis. If you have a Primary Savings Account along with a Checking Account, Electronic ACH Payroll, Direct Deposit, or a Loan you will receive your statements on a monthly basis. You may elect to receive your statements electronically through EZ e-statements. Primary Savings Account Your Share Account is now your Primary Savings Account. $5.00 minimum balance required Dividends are calculated and paid monthly based on your average daily balance. 8

9 Special Share Account Your Special Club Account is now your Special Share Account. No minimum balance required Dividends are calculated and paid monthly based on your average daily balance. Holiday Club Account Your Christmas Club Account is now a Holiday Club Account. No minimum balance required Dividends are calculated and paid monthly based on your average daily balance. Balance is auto-transferred to your Primary Savings Account on October 1st. Money Market Account $5,000 minimum balance required No minimum/maximum deposit or withdrawal amounts Tiered dividend rates Dividends are calculated and paid monthly based on your average daily balance. Treasure Club Kids Savings Account $5.00 minimum balance required Kids between the ages of 0 to 12 are eligible Dividends are calculated and paid monthly based on your average daily balance. Please refer to Page 18 of this booklet for details on the benefits and fees associated with these deposit accounts. 9

10 Checking Accounts Free Checking Account Premium Checking Account Dividend +Plus Checking Account Debit MasterCard Checking Account Your Share Draft Account number will be changing due to the merger. You will be able to continue to use your remaining 1st Choice Community FCU checks after March 1st. Ordering Erie FCU Checks... When you need to reorder checks, you may do so at any Erie FCU branch office. If you do not order your checks through the credit union, please use the Erie FCU routing number and your new checking MICR number when you place your order. Members over age 62 will no longer receive a free box of checks with your Free Checking Account. Free Checking Account Your Share Draft Account is now a Free Checking Account. No minimum balance required No monthly dividends No monthly service fee Free Debit MasterCard Direct Deposit or Automatic Deductions through your Checking Account... All current direct deposit and automatic deduction transactions you have setup with utilities, insurance agents, fitness clubs, etc. will continue without interruption. However, you will need to begin to notify them after March 2nd of the new Erie FCU routing number and your new checking MICR account number. To change your Social Security direct deposit you may call the Social Security Administration at or visit your local Social Security Administration office. Your Checking Account Statement... You will receive your Erie FCU statement monthly and it will include the date and check number of each check cleared through your Checking Account. Cleared checks will not be returned to you but you may request copies of checks at any time or print copies through EZ Money Manager. You may elect to receive your statements electronically through EZ e-statements. 10

11 MasterCard Debit Card You may continue to use your current 1st Choice Community FCU debit card until 5PM, February 27, Your new Erie FCU Debit MasterCard will be mailed to you prior to the merger date. You can begin using your new card on March 1st after 2PM. To activate your new card you must call the card activation number from the phone number you have listed on your account. Your Debit MasterCard will allow you to make purchases (PIN or signature) and ATM withdrawals and deposits. All ATM and debit card transactions will post to your account on the date and time they were initiated or authorized. You will not be charged fees if you use your Debit Card at ATMs in the Erie FCU Network. Transfers will continue from your new Share Account to cover checks, automatic payments/withdrawals, and ACH transactions. If you currently utilize Courtesy Pay, you will continue to enjoy this benefit. You may opt-in for Courtesy Pay to pay overdrafts on your everyday ATM and debit card transactions at any branch office. Please refer to Page 18 of this booklet for details on the benefits and fees associated with these deposit accounts. 11

12 Share Certificates and Individual Retirement Accounts (IRA) Share Certificates Traditional IRA Certificates Roth IRA Certificates Coverdell Education Certificates Traditional IRA Share Account Roth IRA Share Account Coverdell Education Share Account Your Share Certificate Your current Share Certificate will transfer to an Erie FCU Share Certificate at your current term and rate. On the maturity due date, the balance will transfer into your Primary Savings Account. Your current Traditional IRA and Roth IRA Share Certificates will transfer to Erie FCU Traditional IRA and Roth IRA Share Certificates at your current term and rate. On the maturity date, the balance will transfer into your IRA Share Account. Your Traditional or Roth IRA Share Account Your Traditional or Roth Share Account will remain an IRA Share Account. Beginning March 1st, 2015 tiered dividend rates on these accounts will go into effect. This means your dividend rate will be based upon the balance in your Traditional or Roth Share Account. Please see the Truth in Savings Disclosure for current rates. Share Certificates $500-$1,000 minimum balance required Certificate terms: 6 months-60 months 59 month Step-Up Share Certificate Jumbo and Super Jumbo options available Dividends are calculated and paid monthly based on your average daily balance Traditional IRA, Roth IRA, or Coverdell Education Certificates $500-$1,000 minimum balance required Certificate terms: 6 months-60 months 59 month Step-Up Share Certificate Jumbo and Super Jumbo options available Dividends are calculated and paid monthly based on your average daily balance Traditional IRA, Roth IRA, or Coverdell Education Share Accounts No minimum balance required Tiered Dividend Rates Dividends are calculated and paid monthly based on your average daily balance 12

13 Loans Your Loan Account The loan, term, interest rate, and payment amount of any 1st Choice Community FCU loan will not change as a result of the merger. We have taken care to ensure that your scheduled loan payments will not be disrupted in any way. Refinancing Current Loans You may apply to refinance your current loans if the Erie FCU current loan rate is lower than the interest rate on your existing loans. To take advantage of this offer, you must apply prior to April 30, Loans are subject to credit approval. Our rates, terms, and conditions vary based on credit worthiness, qualifications, and collateral conditions. Making your Payments If you currently have your loan payments automatically deducted from your checking or savings account, they will continue to be deducted from that account after the merger. All loan payments can be made through the mail, EZ Phone, EZ Money Manager, Fast Branch ATM, automatic deduction or in person at any Erie FCU office. Loan payments made by mail should include your name, address and loan number. Payments must be mailed to the address indicated below: Erie Federal Credit Union Attn: Loan Payments 2436 Buffalo Road Erie, PA Erie FCU Loan Products Auto Loans- New & Used Recreational Vehicle, Motorcycle, and Boat Loans EZ Loans- Personal, Unsecured Loan Share Secured Loan Better Choice Loan Mortgage Loan- terms up to 30 years Home Equity Loan Home Equity Line of Credit (HELOC) Platinum MasterCard You may apply for any Erie FCU loan product at any branch office or online at 13

14 EZ Services 24/7 Account Access You will have access to your account information and be able to perform financial transactions through 24/7 Account Access. You will automatically have access to your Erie FCU Account beginning March 2, 2015 through EZ Phone. EZ Phone To activate access to your account through the EZ Phone audio response system, simply dial us locally at (814) or toll-free at (800) and select option #9. You will be prompted to enter your Erie FCU account number, social security number, and create a PIN (personal identification number). You will then be able to verify balances, transfer funds, and review your transaction history. Please refer to the EZ Phone Menu Brochure enclosed. EZ Money Manager To set-up online access to your account log on to Once you have access to your account through EZ Money Manager you will be able to enroll in other 24/7 Account Access options. Please refer to the EZ Money Manager instructions on Page 15. EZ e-statements - Secure access to your monthly and quarterly statements EZ Mobile - Use your mobile device to access your account EZ Bill Pay - The easy and flexible way to pay your bills EZ Alerts - Customized text and alerts to help monitor your finances ezcardinfo - Manage and make payments to your Platinum MasterCard CO-OP Shared Branching... Erie FCU members have convenient nation-wide access to their accounts through the CO-OP Shared Branch Network. With 30,000 surcharge-free ATMs and more than 5,000 credit union branches you can access your account anywhere. Find the nearest branch, locate an ATM or download the mobile app at Services Available: Deposits Check cashing Cash withdrawals Transfer between accounts Loan payments 14

15 EZ Money Manager Instructions EZ Money Manager (EZMM) self-enrollment, through the Erie Federal Credit Union website, gives you immediate access to your account online. You can verify account balances, transfer funds, schedule transfers and make loan payments. You can also enroll in Free EZ Bill Pay, EZ Mobile and EZ e-statements. 1. Go to the Erie FCU website at 2. Under member login, click on: Register 3. When enrolling in EZMM for the first time you must accept the Terms & Agreement disclosure by clicking: I Accept. 4. Identity Verification Please complete the required fields: Your Erie FCU Member Account Number, Social Security Number and Date of Birth. Then click: Continue. 5. Secondary Account Validation Answer ANY THREE of the listed questions. Only three fields are required to be completed, matching what is in your account record. If you choose to complete more than three fields, all of the chosen fields must be answered correctly. If any of the answers are incorrect, you will receive an error. For security purposes, the system will not tell you which fields were incorrect. When finished click: Continue. If you are unable to provide answers for the validation questions, please contact the Support Center. 6. Create and input your new EZMM Username and Password. Follow the instructions on the screen for length and character requirements for your Username and Password. When finished click: Continue. 7. Click Login to enter and access EZMM using your new Username and Password. Once your enrollment is complete, a notice will be sent to the we have on file, verifying your enrollment to EZ Money Manager. You can also use this self-enrollment process to reset or change your Username and Password or to unfreeze your account access. Note: You will be unable to enroll in EZMM during nightly processing typically between 8:30 PM to 10:00 PM. If you have any questions, please call our Support Center locally at (814) , or toll-free at and select option #2. 15

16 Office Locations & Hours Office Lobby Hours Drive Thru Hours Main Office 1109 East 38th Street Erie, PA Buffalo Road Office 2436 Buffalo Road Erie, PA Bayfront Office 1005 Greengarden Road Erie, PA Zuck Road Office 5500 Zuck Road Erie, PA West 32nd Street Office 1220 West 32nd Street Erie, PA State Street Office 518 State Street Erie, PA Peach Street Office (Walmart Supercenter) 1825 Downs Dr. Erie, PA Schaper Avenue Office 3910 Schaper Avenue Erie, PA Edinboro Office 101 Washington Towne Blvd.

17 Erie FCU No Surcharge & No Fee ATMs You can make unlimited withdrawals and deposits at the ATMs listed below using your Erie FCU issued Debit MasterCard or STAR Card and you will not be charged a surcharge or Out-of-Network Fee. Cash Dispenser (Cash Dispense Only) Erie County Court House 140 West 6th St. Erie Erie FCU 518 State St. Erie Erie FCU 1005 Greengarden Rd. Erie Erie FCU 5500 Zuck Rd. Erie Widget Financial 5 Grant St. North East Faulkners Country Market Route 8 Wattsburg Gannon University The Waldron Center 124 West 7th St. Erie Kwik Fill 3725 McClelland Ave. Erie Erie Insurance Arena 809 French St. Erie Manus Sunoco 26 East 12th St. Erie PHB Employees FCU 7773 Main St. Fairview Shell Food Mart 605 Parade St. Erie Shell Food Mart 4917 Peach St. Erie Shell Holiday Mart 8228 Peach St. Erie Village West 3330 West 26th St. Erie Wykoffs Gulf Express 3804 Liberty St. Erie Warner Theatre 811 State St. Erie Bayfront Convention Center 1 Sassafras Pier Erie Full Service (Deposit & Cash Dispense) Erie FCU 101 Washington Blvd. Edinboro Walmart Supercenter 1825 Downs Drive (Peach & I-90) Erie FCU 3910 Schaper Ave. Erie Erie FCU 1109 East 38th St. Erie Erie FCU 1005 Greengarden Rd. Erie Erie FCU 2436 Buffalo Rd. Erie Erie FCU 5500 Zuck Rd. Erie Fast Branch (Fast Branch/ATM) Kwik Fill 82 East Main Rd. North East Shell Food Mart 7484 West Ridge Rd. Fairview Lovell Place 153 East 13th Street Erie West 32nd Street (2 Fast Branches) 1220 West 32nd St. Erie Surcharge Fees This fee is assessed by the ATM owner You may incur a surcharge if you use your Erie FCU Debit MasterCard or STAR Card at an ATM that is not part of the Erie FCU, CU$ or CO-OP Shared Branch or ATM Network. Out-of-Network ATM Fees - This fee is assessed by the Erie FCU Erie FCU Free Checking Accounts will be charged a $1.50 Out-of-Network Fee each time that they use an ATM not listed above. Erie FCU Premium Checking or Dividend +Plus Checking Accounts can make up to 4 withdrawals per month without incurring an Out-of-Network Fee at ATMs not listed above. If you are not using an Erie FCU Debit MasterCard or STAR Card, your Financial Institution may impose a usage fee for using an Out-of-Network ATM. This fee may be in addition to a surcharge fee you agreed to pay at the point of transaction. 17

18 18 Fee Schedule Effective August 1, 2013 Savings Account Fees Primary Savings Account Bad Address Fee... $5.00 per address change Savings Account Unable to Locate Fee... $10.00 per statement Holiday Club Fee... $5.00 per early withdrawal Prime Savings Account Re-open Fee... $20.00 (within 90 days of opening) Prime Savings Closure Fee... $5.00 (within 90 days of opening) Checking Account Fees Overdraft Fee... $25.00 per item ACH Return NSF... $25.00 per item Stop Payment Fee... $25.00 per check Stop Payment Fee - sequence of checks... $35.00 per sequence Courtesy Pay Overdraft Protection Fee... $25.00 per item Premium Checking Account Service Fee... $2.00 per month New Beginnings Checking Account Service Fee... $5.00 per month Checking Account Reopen Fee... $20.00 (within 90 days) Manual Processing Fee... $25.00 per item ACH Manual Processing Fee... $25.00 per item Overdraft Protection Fee... $3.00 per transfer from savings Check Copy Fees posted date within last 6 months $2.00 per check posted date 7 months or more... $4.00 per check Starter Checks for New Checking Accounts... First Twelve (12) checks free $2.00 per four (4) thereafter Existing Checking Accounts... $2.00 per four (4) checks Star Card/Debit MasterCard Fees Replacement Card Fee... $5.00 per card Additional Card Fee... $5.00 per card Express Mailing of Card... $48.00 Card Blocked for Negative Balance... $5.00 Replacement for Blocked Card Fee... $5.00 Card Unblocked per Members Request... $5.00 Other Service Fees (applicable to all accounts) Account Inactivity Fee... $5.00 per month after six (6) months Account Statement/History Copy Fee... Pick-up/Mailed $2.00 per page Account Reconciliation Fee... $20.00 per hour Account Research Fee... $20.00 per hour TravelMoney VISA Card... $3.00 per card VISA Prepaid Gift Card... $2.50 per card Transaction Receipt Mailed... $2.00 per receipt Deposited Item Return Fee... $25.00 per item Money Order Fee... $2.00 per item

19 Money Order Stop Payment Fee... $5.00 per item Money Order Copy Fee... $2.00 per item Cashier s Check... $5.00 per item Cashier s Check Declaration of Loss Fee... $5.00 per item Cashier s Check Copy Fee... $2.00 per item Court Order/Legal/Tax Levy Fee... $35.00 Certified Mail Fee... Fee based on current US Postal rate. IRA Account Transfer Fee... $25.00 Account Verification Fee... $10.00 per request Dormant EZ Bill Pay Fee... $3.00 per month after 90 days Commercial Coin Fee (Coin Sorter)... 3% of Amount EZ Bill Pay... FREE with at least one transaction per month minimum Check by Phone Fee... $8.00 per check Loan Payment Convenience Fee... $8.00 per item Check Cashing for Non Members... $2.00 per check FedLine Wire Transfer Incoming/Outgoing Fee Within the USA... $12.00 per transfer Outside the USA... $30.00 per transfer Electronic Funds Transfer Fees Unlimited Transactions/Balance Inquiries... at Proprietary ATMs Foreign ATM Inquiry Fee... $.75 per inquiry Foreign ATM Withdrawal Fee Premium or Dividend +Checking... $1.50 per withdrawal after 4 per month Free Checking... $1.50 per withdrawal Regular Savings... $1.50 per withdrawal Credit Union Membership *Membership par value is not a fee Membership Share... $5.00 par value The rates and fees appearing in this schedule are accurate and effective for accounts as of the Effective Date indicated on this Fee Schedule. If you have any questions or require current fee information on your accounts, please contact the Credit Union. Federally insured by NCUA. 19

20 20 Rate Information (Rates are subject to change without notice. Contact Erie FCU for additional information.) First Mortgage Loans: Up to 30 Years APR* Points Term 10 Year Conventional Fixed Mortgage Loan 3.250% 0 Points Year Conventional Fixed Mortgage Loan 2.750% 3 Points Year Conventional Fixed Mortgage Loan 3.250% 0 Points Year Conventional Fixed Mortgage Loan 2.750% 3 Points Year Conventional Fixed Mortgage Loan 3.875% 0 Points Year Conventional Fixed Mortgage Loan 3.500% 3 Points Year Conventional Fixed Mortgage Loan 4.000% 0 Points Year Conventional Fixed Mortgage Loan 3.625% 3 Points 360 Jumbo Mortgage Loans: Amounts above $417,000 See Below N/A N/A 10, 15 Year Fixed Mortgage Loan 4.000% 0 Points , 15 Year Fixed Mortgage Loan 3.250% 3 Points , 25, 30 Year Fixed Mortgage Loan 4.750% 0 Points , 25, 30 Year Fixed Mortgage Loan 4.125% 3 Points Up to 15 Years - No Closing Costs Mortgage Loans 0-60 Months 4.410% 60 Mortgage Loans Months 4.630% 84 Mortgage Loans Months 4.690% 144 Mortgage Loans Months 4.690% 180 *APR = Annual Percentage Rate. Interest rates shown are for conventional fixed mortgage loans. Rates may change daily, are subject to change without prior notice, and apply to loans up to Fannie Mae s conventional mortgage loan limits. Payment example: 360 monthly payments at 4.250% APR with no payment protection produces a payment of $4.92 per $1, borrowed. Please contact us for current interest rate information, mortgage loan limits, a fee schedule or down payment requirements at (814) or (800) Home Equity Loans: Home Equity Loans APR* Term Home Equity-Subordinate Mortgage (0-60 Months) 2.990% 60 Home Equity-Subordinate Mortgage (61-84 Months) 3.490% 84 Home Equity-Subordinate Mortgage ( Months) 6.690% 144 Home Equity-Subordinate Mortgage ( Months) 6.690% 180 Income Property Income Property (1st Mortgage, 180 Months, $50,000) 7.24% 180 Income Property (2nd Mortgage, 144 Months, $50,000) 7.99% 144 *APR = Annual Percentage Rate. Interest rates shown below are for conventional mortgage loans and are subject to change without prior notice. Payment example: 60 monthly payments at 2.990% APR with no payment protection produces a payment of $17.97 per $1, borrowed. Home Equity Lines of Credit: PRIME AFFINITY Home Equity Lines of Credit Rate* Credit Limit less than $25, (Min $5,000) Prime +.75% Credit Limit from $25, to $74, Prime +.00% Credit Limit greater than $75, (Max $150,000) Prime -.75% *APR = Annual Percentage Rate. Interest rates shown below are for conventional mortgage loans and are subject to change without prior notice. The annual percentage rate is variable based on the Prime Rate published in the Wall Street Journal, plus or minus an index; maximum APR is 18.00%. Automobile & Motorcycle Loans New ( ) APR * Used ( ) APR * 0 to 24 Months 2.24% 0 to 24 Months 2.75% 25 to 36 Months 2.75% 25 to 36 Months 3.25% 37 to 48 Months 3.00% 37 to 48 Months 3.50% 49 to 60 Months 3.50% 49 to 60 Months 4.00% 61 to 72 Months 3.85% 61 to 72 Months 4.25% 73 to 84 Months 4.50% 73 to 75 Months 5.25% Used ( ) APR * 0 to 24 Months 2.75% 25 to 36 Months 3.25% 37 to 48 Months 3.50% 49 to 54 Months 4.50%

21 New and Used Boat & RV Loans APR* Term New Boat & RV (0-24 Months) 6.25% 24 New Boat & RV (25-60 Months) 6.75% 60 New Boat & RV (61-84 Months) 7.25% 84 New Boat & RV ( Months) 7.75% 120 Used Boat & RV (0-60 Months) 7.50% 60 Used Boat & RV (61-84 Months) 8.00% 84 *The Annual Percentage Rates disclosed below with an asterisk ( * ) represent the lowest possible APR for that Auto Loan. Rates, terms, and conditions vary based on creditworthiness, qualifications, and collateral conditions, and are subject to change. Payment example: 60 months at 3.50% Annual Percentage Rate with no payment protection produces a payment of $18.20 per $ borrowed. MasterCard Credit Cards APR * Platinum MasterCard * *Your Annual Percentage Rate (APR) will be based on certain creditworthiness criteria at the time you open your account. Additional Loans Share Secured Loan APR* Term Share Secured Loan 5.00%* 60 EZ Loan (Unsecured Loan) Up to 12 Months 6.75%** 12 EZ Loan (Unsecured Loan) Up to 36 Months 8.75%** 36 EZ Loan (Unsecured Loan) Up to 48 Months 9.25%** 48 EZ Loan (Unsecured Loan) Up to 60 Months 9.75%** 60 Holiday Loan Available October-January 6.75%** 12 Better Choice Loan - Payday Lending Alternative Better Choice Loan *** 18.00% 90 Days *APR = Annual Percentage Rate. The Annual Percentage Rate disclosed is the lowest possible APR for this loan. **The Annual Percentage Rate disclosed is the lowest possible APR for this loan. Your interest rate and term will be based on certain creditworthiness criteria. Contact us to determine your qualifying APR. A.25% APR discount is available on Tuition, Unsecured and Holiday Loans with an automatic transfer or payroll deduction payment method. ***The Better Choice Loan has a $20.00 application fee. Deposit Accounts Share Savings Dividend Rate APY* Regular Share Tiered Rate (Balance $.01 to $4,000.00) 0.15% 0.15% Regular Share Tiered Rate (Balance $4,000+) 0.30% 0.15% % Money Market Share Tiered Rate (Balance $5, to $25,000.00) 0.25% 0.25% Money Market Share Tiered Rate $25, to $50, % 0.25% % Money Market Share Tiered Rate $50, to $100, % 0.30% % Money Market Share Tiered Rate $100, and above 0.55% 0.38%- 0.54% Holiday Share Club (Balance $.01+) 0.15% 0.12% Special Share Club (Balance $.01+) 0.30% 0.31% EZ Saver Share (Balance $.01+) 0.15% 0.12% Share Draft Checking Free Checking N/A N/A Premium Checking (Balances $.01+) 0.10% 0.12% Dividend +Plus Checking $ to $25,000 (Requirements Met) 3.00% 3.04% Dividend +Plus Checking $ to $25,000 (Requirements Not Met) 0.10% 0.10% Dividend +Plus Checking greater than $25, % 0.10% *APY = Annual Percentage Yield. The disclosed dividend rates are variable and may change after the member opens the account(s). Regular Share Savings Accounts require a minimum balance of $5.00. Dividends are calculated and paid monthly based on the average daily balance during the month. Money Market accounts require a minimum deposit of $5, to open the account. Tier interest rate share accounts will reflect a blended APY on the periodic statement. Fees or penalties may be imposed for early withdrawals and could reduce earnings on the accounts. 21

22 22 Share Certificates Roth and Coverdell IRA Dividend Rate APY* Term Minimum Deposit Term Share Certificate 0.30% 0.30% 6 $1,000 Term Share Certificate 0.30% 0.30% 12 $500 Term Share Certificate 0.45% 0.45% 12 $1,000 Term Share Certificate 0.55% 0.55% 18 $1,000 Term Share Certificate 0.65% 0.65% 24 $1,000 Term Share Certificate 0.75% 0.75% 30 $1,000 Term Share Certificate 0.80% 0.80% 33 $1,000 Term Share Certificate 1.05% 1.06% 36 $1,000 Term Share Certificate 1.25% 1.26% 48 $1,000 Term Share Step-up Certificate 1.45% 1.46% 59 $1,000 Term Share Certificate 1.60% 1.61% 60 $1,000 Jumbo Certificate (20 basis point over basic rate) N/A N/A N/A $75,000 SUPER Jumbo Certificate (45 basis points over basic rate) N/A N/A N/A $250,000 Traditional IRA IRA Share Tiered Rate Less than $25, % 0.25% N/A N/A IRA Share Tiered Rate $25, to $50, % 0.25% % N/A N/A IRA Share Tiered Rate $50, to $100, % 0.30% % N/A N/A IRA Share Tiered Rate $100, and greater 0.55% 0.38%- 0.54% N/A N/A IRA Share Certificate 0.30% 0.30% 6 $1,000 IRA Share Certificate 0.45% 0.45% 12 $1,000 IRA Share Certificate 0.55% 0.55% 18 $1,000 IRA Share Certificate 0.65% 0.65% 24 $1,000 IRA Share Certificate 0.75% 0.75% 30 $1,000 IRA Share Certificate 0.80% 0.80% 33 $1,000 IRA Share Certificate 1.05% 1.06% 36 $1,000 IRA Share Certificate 1.25% 1.26% 48 $1,000 IRA Share Step-up Certificate 1.45% 1.46% 59 $1,000 IRA Share Certificate 1.60% 1.61% 60 $1,000 Jumbo Certificate (20 basis points over basic rate) N/A N/A N/A $75,000 SUPER Jumbo Certificate (45 basis points over rate) N/A N/A N/A $250,000 Roth and Coverdell IRA Share Tiered Rate Less Than $25, % 0.25% N/A N/A Roth and Coverdell IRA Share Tiered Rate $25, to $50, % 0.25% % N/A N/A Roth and Coverdell IRA Share Tiered Rate $50, to $100, % 0.30% % N/A N/A Roth and Coverdell IRA Share Tiered Rate $100, and greater 0.55% 0.38%- 0.54% N/A N/A Roth/Coverdell IRA Share Certificate 0.30% 0.30% 6 $500 Roth/Coverdell IRA Share Certificate 0.45% 0.45% 12 $500 Roth/Coverdell IRA Share Certificate 0.55% 0.55% 18 $500 Roth/Coverdell IRA Share Certificate 0.65% 0.65% 24 $500 Roth/Coverdell IRA Share Certificate 0.75% 0.75% 30 $500 Roth/Coverdell IRA Share Certificate 0.80% 0.80% 33 $500 Roth/Coverdell IRA Share Certificate 1.05% 1.06% 36 $500 Roth/Coverdell IRA Share Certificate 1.25% 1.26% 48 $500 Roth/Coverdell IRA Step-up Certificate 1.45% 1.46% 59 $500 Roth/Coverdell IRA Share Certificate 1.60% 1.61% 60 $500 Jumbo Certificate (20 basis points over basic rate) N/A N/A N/A $75,000 SUPER Jumbo Certificate (45 basis points over rate) N/A N/A N/A $250,000 *APY = Annual Percentage Yield. Rates are subject to change. A penalty may be imposed for early withdrawal. A minimum daily balance must be maintained in order to earn the disclosed APY.

23(CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor. CBSI is under contract with the financial institution to make securities available to members. Not NCUA/NCUSIF/FDIC insured, May Lose Value, No Financial Institution Guarantee. Not a deposit of any financial institution. FR C63 Member Benefits Brochure (0413).indd 2 4/10 23

24 1959 East 36th Street Erie, Pennsylvania 16510

Источник: https://docplayer.net/14050447-Welcome-to-the-erie-federal-credit-union-family-important-account-information-for-1st-choice-community-federal-credit-union-members.html

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2021-11-15T08:40:08-05:00

Smarter Spending On Deep-Discount Days

Unless you complete your holiday shopping before Halloween, you might be enticed by Black Friday and Cyber Monday deals. These tips may help you save time and money.   Create a budget. Before you start shopping, establish an overall budget. Make a list of gifts you will need to buy and decide exactly how much you can afford to spend on each person. Beat the crowds. If you shop early [...]

2021-11-15T08:40:08-05:00

Year-End 2021 Tax Tips

Here are some things to consider as you weigh potential tax moves before the end of the year. Defer Income to Next Year Consider opportunities to defer income to 2022, particularly if you think you may be in a lower tax bracket then. For example, you may be able to defer a year- end bonus or delay the collection of business debts, rents, and payments for services in order to [...]

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Should You Speed Up Your Retirement Plans?

According to a March 2021 survey, an estimated 2.8 million Americans ages 55 and older decided to file for Social Security benefits earlier than they expected because of COVID-19. This was about double the 1.4 million people in the same age group who said they expected to work longer, presumably due to pandemic-related financial losses.1 Many older workers were pushed into retirement after losing their jobs, and others may have [...]

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Источник: https://www.widgetfinancial.com/

Buffalo Service Credit Union

Since 1933, we've been there for our neighbors in the Buffalo, NY area. From free checking accounts that make your life a little easier with mobile and online banking, to planning for a brighter tomorrow with savings accounts and IRAs, we're here for what life brings you today and tomorrow. Everyone wants to make the most out of life, and we help make it possible with auto loans, home equity loans, credit cards and more.

Experience the Difference at Buffalo Service Credit Union

At Buffalo Service Credit Union, we make decisions with your best interest in mind. We're owned by our members, people like you who have accounts or loans with us. That means that we answer to you -- not stockholders.

Our members can take advantage of our competitive HELOC rates and auto loan rates with affordable monthly payments. Interested in opening an account or applying for a loan or credit card? Buffalo Service Credit Union makes it quick and easy.

Become a Member

Savings Account Near Buffalo Ny From Buffalo Service Credit Union

Источник: https://www.buffaloservicecreditunion.org/
saint vincent fcu holiday loans

Checking Accounts

Get complete freedom with our FREE checking account with Overdraft Protection for added security.


Learn more about Checking

Savings Accounts

No matter what financial stage you are in we have a savings account that will meet your needs.


Learn more about Saving

Loan Services

Secure the money you need today. Low rates, flexible terms, a personal approach to financing.


Learn more about Loans

Special Offers From Saint Vincent
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Go Paperless


e–Statements give you quick convenient access to your monthly and quarterly statements.

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Go Mobile


Download our FREE mobile banking app and access your accounts anywhere.

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Saint Vincent Federal Credit Union

2314 Sassafras Street
Suite 100
Erie, PA 16502
Phone: (814) 452-5743
Fax: (814) 452-5630

Helpful Links

Privacy Policy
Contact Us
Third Party Link Disclosure

Your savings are federally insured up to $250,000 NCUA (National Credit Union Administration) a US government agency, Equal Housing Lender.




National Credit Union administrationEqal Housing OpportunityDepartment of Housing and urban development

Saint Vincent Federal Credit Union is committed to providing a website that is accessible to the widest possible audience in accordance with ADA standards and guidelines. We are actively working to increase accessibility and usability of our website to everyone. If you are using a screen reader or other auxiliary aid and are having problems using this website, please contact us at (814) 452-5743. All products and services available on this website are available at our credit union office.

Our site contains hyperlinks to other web sites operated by third parties. These links will take you away from our site. Please note that "+ CreditUnion +" does not guarantee the accuracy or completeness of any information presented on these sites nor does "Saint Vincent Federal Credit Union" represent either the third party or our member if the two enter into a transaction. The third party's privacy and security policies may differ from those practiced by the credit union. We encourage our members to know when they leave our site and to read the privacy statements of each and every web site that collects personally identifiable information. Our Privacy Statement applies solely to information collected by Saint Vincent Federal Credit Union's Web site.

Источник: https://www.svefcu.com

What is Online Banking?

Online Banking is our online service that allows you to access your account information 24 hours a day, 7 days a week. Using Online Banking, you can:

  • View real-time account balances, check images and history
  • 24-hour access to checking, loans and CDs
  • Transfer funds between accounts
  • Pay bills online

What do I need to bank online?

Banking online is easy. Online Banking works well on most of today's browsers and must support 128-bit SSL encryption. If your browser does not support these encryption levels, you'll need to update it. To get started, simply complete the enrollment form to receive your log in information.

What types of accounts can I view with Online Banking?

With Online Banking, you can view all your Great Erie Federal Credit Union accounts, as well as loans.

How often is my account information updated?

Account information is updated in real-time, offering you the most current information available.

How secure is my personal account information?

Great Erie Federal Credit Union uses the latest Internet security available, including secure communications (SSL), firewalls, 128 bit encryption, and operating systems that have been designed to provide maximum security.

Why am I signed off sometimes and I have to sign in again?

If Online Banking has been inactive for a period of time, Online Banking may automatically sign you off to prevent unauthorized use of your accounts, and to prevent others from viewing your information.

Can I pay my bills using Online Banking?

Yes. You can make payments to anyone in the United States from the utility company to the local babysitter. You may schedule payments to be made immediately or on a specified date in the future. You can even set up recurring payments so you do not have to worry about paying your regular bills. Recurring payments can be set up weekly, semi-monthly or monthly. Bill Pay eliminates the need for writing checks or addressing envelopes. More importantly, it saves you time and simplifies your busy life. (Fees may apply)

What type of account is required for Bill Pay?

Bill pay can only be used with a checking account.

May I pay bills from more than one checking account?

Yes.

How far in advance should I set up a payment to ensure it is paid on time?

We recommend that payments should be made at least five (5) business days in advance of the due date of the payee.

Can I transfer funds between my accounts?

Yes, you can transfer funds between any of your Great Erie Federal Credit Union accounts.

Do I need extra software or hardware to use Online Banking?

No extra software is necessary. You can access your Great Erie Federal Credit Union accounts from almost any PC that has Internet access.

Will Online Banking work with my current Internet Service Provider?

Yes, Online Banking works with any ISP.

Can I access my accounts from both home and work?

Yes, you can access your accounts from almost any PC.

 
Need Assistance?

If you have additional questions, contact Great Erie Federal Credit Union for assistance.

Источник: https://onlinebanktours.com/mobile/?BID=5461&c=121598&p=278823&category=Menu

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