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Erie Federal Credit Union

F nanc al Solut ons Fall Newsletter 2018 www.eriefcu.org

International Credit Union Day October is “Socktober!” Membership Has Its Advantages! Refi Your Ride & Save!

Federally insured by NCUA


MESSAGE FROM THE CEO Credit Reporting Changes Where has summer gone? School started, the leaves are starting to fall, and the holidays will be here before you know it! Speaking of changes, now is also a great time to reflect on your financial health, so with that in mind, I offer this look at credit reporting changes that you should be aware of. The National Consumer Assistance Plan, launched in 2015 by credit reporting companies – Equifax, Experian and TransUnion, has implemented a number of steps to improve data accuracy and quality, and make it easier for consumers to correct errors on their credit reports. The changes are designed to help reduce credit reporting errors that can ultimately prevent consumers from getting credit cards, loans, and in some case, even jobs. Credit Reporting Changes: • Eliminated reporting of debts where there is no contract or agreement by the consumer to pay, such as traffic tickets or fines. • Prohibits medical debts from being reported until after 180 days to allow insurance payments to be applied and requires removal of any previously reported medical collections that have been paid or are being paid by insurance.

“Your credit report and credit score are two of the most vital aspects of your financial health.”

• Requires debt collectors to include original creditor information with each account reported for collection and regular updates to the status of unpaid debts along with the removal of debts no longer being pursued for collection. • Monitor data furnishers for adherence to the reporting requirements and take corrective action for noncompliance.

~Erin Lowry

Consumer Experience Changes: • Eliminated any policies requiring consumers to obtain a credit report before filing a dispute. • Provide additional information to consumers about the dispute process, how the disputed account changed, and what they can do if they are not satisfied with the outcome. • Eliminated the one year waiting period to receive a free credit report after a disputed error has been corrected. • Provide special attention to consumers who are victims of fraud, identity theft, or who have credit information belonging to another consumer on their file. • Monitor data furnishers dispute responses and take corrective actions against data furnishers for noncompliance with their dispute investigation responsibilities. You may think you have only one credit report and one credit score, but you really have three reports and the reality is they may differ. You should check all three reports regularly and ensure the information is accurate.

On the Cover: Photo courtesy of: Eire Times-News | GoErie.com

Consumers are entitled to receive a free credit report from each credit reporting agency once every twelve months through www.annualcreditreport.com. You should check all three reports annually to ensure the information is accurate. Only the credit report is free and there is an additional fee if you wish to obtain your credit score.

Brian J. Waugaman

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MORTGAGE • BUSIN ESS • AUTO • PERSON AL

eriefcu.org


International Credit Union Day!

Pass it On

Good Friends Share Good Things Love being a member? Why not invite a

On October 18, credit unions around the world will join together to celebrate International Credit Union Day. That’s 200+ million people from 57,000 credit unions in 105 countries celebrating together the credit union cooperative spirit. At Erie Federal Credit Union, you are always our top priority - We strongly believe in the People Helping People movement, working towards financial well-being globally every day. This is truly something to celebrate! Stop in to any of our branches on credit union day and have a cookie on us!

friend to become a member too?

Being a member of Erie FCU has its perks like fewer fees, member-only discounts and great rates on deposit and loan products. Now you can invite friends to enjoy those perks too. It’s easy, simply go to our web site and complete our NEW online form at: www.eriefcu.org/pass-it-on and provide the name and email address of the person you are referring and we will send them an invite on your behalf. Your friend or family member just needs to bring in a copy of that email when they join. Referral forms are also available at all branch offices.

How It Works:

• Enter your information on the referral form and Pass It On to someone who is not an Erie FCU member. If the referral qualifications are met, $25 will be deposited to your savings account after 90 days.

$25 for your friend

• Open a savings account and one additional qualifying account listed below: – Checking account with debit card and direct deposit of payroll, social security or pension – Loan product-auto, personal, home equity or shared secured loan • If the new member qualifications are met, $25 will be deposited to your savings account after 90 days.

It definitely pays to have friends. Pass it On. Membership eligibility required. *$25 referral incentive will be deposited to existing Erie FCU member accounts in good standing within 90 days after all conditions are met by new member. **$25 new member incentive will be deposited to accounts in good standing, if the following conditions are met within the first 90 days: open a $5 Prime Share Account and one active qualifying account. Incentive will be paid within 90 days after all conditions have been met. Qualifying Account includes: Free, Premium, or Div+Plus Checking Account with debit card and direct deposit or an in-branch auto, personal, home equity or share secured loan with an opening balance of $2,500. Referral and new member incentive cannot be combined with any other offer or incentive. Incentives may be subject to 1099 reporting. Offer subject to change and may be revoked at any time.

Download our Mobile App today! Did you know we offer a Mobile Banking App?

Enjoy a secure, free and convenient connection to your finances from your smartphone or mobile device. Our mobile banking app gives you more time to spend on the things that matter and less time running around.

$25 for you

eriefcu.org

For Life on the Go

Comprehensive Range of E-Services: • Mobile Check Deposit - Deposit checks with the snap of a picture • Personal Financial Management Tool • View transaction history/ e-statements • ATM and branch locator • Pay bills and make transfers from anywhere • Account activity alerts • And much more!

Search for “Erie Federal Credit Union” in your app store to get started. Your Login ID and Password will be the same as what you use for EZ Money Manager online banking. Be sure to visit www.eriefcu.org to learn more, or contact our branch staff for help.

MORTGAGE • BUSIN ESS • AUTO • PERSON AL

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Socktober

Donate socks for those in need! Each night in the United States, an estimated 600,000 people live on the streets. You can join us in our first ever sock drive and make a big difference in the lives of our neighbors who are homeless.

For the month of October, also known as “Socktober”, Erie FCU will be reaching out to our community asking for donations of new, warm and practical, adult sized socks which will be donated to a local homeless shelter. Why socks? Socks are the #1 most requested clothing item, according to the Salvation Army.

Refi Your Ride & Save!

For those who generously donate to this wonderful cause, your name will be entered to win a “Family Fun Pack”: Tickets to an Erie Bayhawks’ game, an Otters’ game AND an Erie Playhouse performance!

Our Auto Refinance 1-1-60 promotion can save you money!

It “Pays to Refinance” your auto! “Keep your car, but trade your loan”! See if we can shrink your monthly payment, earn cash back or both! Stop in today to see if you qualify to receive a 1% rate reduction, 1% cash back with no payment for 60 days!

Don’t you owe it to yourself? *APR = Annual Percentage Rate. Loans subject to credit approval. Rates, terms, and conditions vary based on credit worthiness, qualifications and collateral conditions and are subject to change. 1% auto loan rate reduction is applied to qualifying interest rate and interest will accrue on the loan during the first 60 days. Lowest rate available after rate reduction is 1.99% APR. 1% cash back amount is based on amount refinanced and cannot exceed $500. 1% cash back amount will be paid one year after loan closing date and will be forfeited if loan is closed before one year term. Existing Erie FCU auto loans are excluded. Membership eligibility required.

No purchase necessary.

Erie experiences weeks of freezing temperatures, so please, warm your heart by donating socks to warm the feet our of neighbors. You can visit any Erie FCU branch (during business hours) to donate.

*1.99% APR includes a .25% discount. To qualify for the .25% discount, member must have an Erie FCU checking account with direct deposit and enroll in auto pay/payroll deduction. Promotion ends November 30, 2018.

The Right Credit Card for Your Holiday Lifestyle!

Be a St. Martin Shining Star

Tired of companies trying to lure new customers with great offers and forgetting about you – the one who has been loyal! We are too. At Erie Federal Credit Union - we like to honor loyalty. Like with our Platinum Mastercard. Now through the holidays, our loyal members get an extremely low 1.99% promotional APR* through March 31st, 2019 - on purchases made now through December 31st, 2018. No gimmicks, no hoops. Just – thank you and happy shopping! And our card fits nicely into your digital wallet with Apple and Samsung Pay! No Annual Fee | No balance transfer fees | Discounts to Broadway in Erie, the Erie Otters, Bayhawks, Erie Playhouse and more!

• Visit any Erie FCU branch in mid-November and choose a star with a child’s name, age, and gift ideas. • Purchase gifts for your child and return them in a gift bag to any Erie FCU* branch by December 3rd. * Gifts cannot be dropped off at the Walmart Office.

• No time to shop? Donate at any office and we’ll do the shopping for you.

Don’t have a card? Apply today! *On April 1, 2019 remaining balances will accrue interest at the regular purchase annual percentage rate applicable to your account, which can range from 8.90% to 17.90% APR based on your credit worthiness. Cash advances, balance transfers, existing balances, and business Mastercard® transactions are excluded from this promotion. Loans subject to credit approval. Membership eligibility required.

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MORTGAGE • BUSIN ESS • AUTO • PERSON AL

eriefcu.org


Membership Has Its Advantages!

DeDad Scholarships Awarded Erie FCU once again joined with other local credit unions and the Erie Chapter of Credit Unions to present scholarships to six young credit union members. This year, Erie FCU members, Jaclyn Crist and Brandon Cunningham, were chosen as DeDad scholarship winners.

Otters | Bayhawks “member only” BOGO nights are back! On select BOGO nights, our members can buy 1 ticket and get the 2nd one free! Plus, members get a 15% discount on Otters & Bayhawks merchandise too! • Otters 1st BOGO night | Friday, October 5th (BOGO nights are every Friday and Sunday home game) • Bayhawks 1st BOGO night | Friday, November 2nd (BOGO nights are every Friday home game)

Since 1995, the Erie Chapter has awarded over $180,000 through the DeDad Scholarship to credit union student members from the Erie Chapter.

BOGO night schedule: www.eriefcu.org/bogonights

New this year, Erie Playhouse “member only” BOGO nights! This year, we have teamed up with the Playhouse to offer 3 “member only” BOGO nights for “Matilda”, “Shakespeare in Love”, and “42 Street”! Limit one BOGO offer per individual, per show | box office only. Erie FCU is a proud sponsor of the Arts in Erie!

BOGO schedule: www.eriefcu.org/2018-19-erie-playhouse

Fall Home Buying Seminar

Sparrow Pond’s Haunted Hayride

Tuesday, Oct 23 | 6:00 pm to 7:30 pm

(runs through Oct 27) Members receive 20% off tickets for Haunted Hayride and Halloween activities.

Social Security Seminar Wednesday, Nov 7 | 6:00 pm to 7:30 pm

More info: www.eriefcu.org/hauntedhayride With community sponsorships, we always try to work in a “members only” benefit. An Erie FCU Membership truly has its advantages! To receive all member discounts, Erie FCU members must use their Erie FCU Platinum Mastercard, Debit Card or show their “member ID” (for cash purchases) when buying tickets or merchandise. BOGO night tickets are not available for online purchase/box office only. Team merchandise discount available “day of” game and at the arena only (restrictions may apply). Haunted Hayride tickets available at Sparrow Pond gate only.

Greater Erie 2019 SaveAround Coupon Book The book is just $25 and available at all offices while supplies last.

eriefcu.org

Fall Seminars Seminars will be held at the Clarion Lake Erie Bel-Aire Conference Center 2800 West 8th Street For more information and to register: www.eriefcu.org/seminars

Need Some Extra Dough for the Holidays? How about a Ho-Ho-Holiday Cheer Loan? Just in time for holiday shopping or a family trip. Take advantage of our new low interest rates and affordable monthly payments with a Holiday Cheer Loan. Apply online or at any office location today. *Loans subject to credit approval. Membership eligibility required.

MORTGAGE • BUSIN ESS • AUTO • PERSON AL

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MESSAGE FROM Why Do People Put Off Saving for Retirement? A lack of money is but one answer.

Common wisdom says that you should start saving for retirement as soon as you can. Why do some people wait decades to begin? Nearly everyone can save something. Even small cash savings may be the start of something big if they are invested wisely. Sometimes, the immediate wins out over the distant. To young adults, retirement can seem so far away. Instead of directing X dollars a month toward some far-off financial objective, why not use it for something here and now, like a payment on a student loan or a car? This is indeed practical, and it may be necessary. Even so, paying yourself first should be as much of a priority as paying today’s bills or paying your creditors. Some workers fail to enroll in retirement plans because they anticipate leaving. They start a job with an assumption that it may only be short term, so they avoid signing up, even though human resources encourages them. Time passes. Six months turn into six years. Still, they are unenrolled. (Speaking of short-term or transitory work, many people in the gig economy never get such encouragement; they have no access to a workplace retirement plan at all.)

Your Financial Team Brandon Armella Stacey Iadeluca Larry Amenta

Other young adults feel they have too little to start saving or investing. Maybe when they are further along in their careers, the time will be right – but not now. Currently, they cannot contribute big monthly or quarterly amounts to retirement accounts, so what is the point of starting today? The point can be expressed in two words: compound interest. Even small retirement account contributions have potential to snowball into much larger sums with time. Suppose a 25-year-old puts just $100 in a retirement plan earning 8% a year. Suppose they keep doing that every month for 35 years. How much money is in the account at age 60? $100 x 12 x 35, or $42,000? No, $217,114, thanks to annual compounded growth. As their salary grows, the monthly contributions can increase, thereby positioning the account to grow even larger. Another important thing to remember is that the longer a sum has been left to compound, the greater the annual compounding becomes. The takeaway here: get an early start.1

This material was prepared by MarketingPro, Inc., and does not necessarily represent the views of the presenting party, nor their affiliates. All information is believed to be from reliable sources; however we make no representation as to its completeness or accuracy. Please note - investing involves risk, and past performance is no guarantee of future results. The publisher is not engaged in rendering legal, accounting or other professional services. If assistance is needed, the reader is advised to engage the services of a competent professional. This information should not be construed as investment, tax or legal advice and may not be relied on for the purpose of avoiding any Federal tax penalty. This is neither a solicitation nor recommendation to purchase or sell any investment or insurance product or service, and should not be relied upon as such. All indices are unmanaged and are not illustrative of any particular investment. Representatives are registered, securities are sold, and investment advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor, 2000 Heritage Way, Waverly, Iowa 50677, toll-free 800-369-2862. Nondeposit investment and insurance products are not federally insured, involve investment risk, may lose value and are not obligations of or guaranteed by the financial institution. CBSI is under contract with the financial institution, through the financial services program, to make securities available to members. Citations. 1 - bankrate.com/calculators/savings/compound-savingscalculator-tool.aspx [6/21/18] 2 - forbes.com/sites/kateashford/2018/02/28/retirement-3/ [2/28/18]

Any retirement saver should strive to get an employer match. Some companies will match a percentage of a worker’s retirement plan contribution once it exceeds a certain level. This is literally free money. Who would turn down free money? Just how many Americans are not yet saving for retirement? Earlier this year, an Edward Jones survey put the figure at 51%. If you are reading this, you are likely in the other 49% and have been for some time. Keep up the good work.2 To meet with an Advisor please contact Program Coordinator, Stacey Iadeluca at 897-2500 or Stacey.Iadeluca@cunamutual.com

$100 CASH REWARD

WITH EVERY

NEW LINE

It’s Sprint’s best Credit Union Member Cash Rewards offer ever — another BENefit of membership!

*Activ. Fee: Up to $30/line. Credit approval req. Sprint Credit Union Member Cash Rewards Offer: Offer Ends 12/31/2018. Avail. for eligible credit union members and member employees (ongoing verification). Tax ID req. to establish business acct. Switch to Sprint and receive a $100 cash reward for each new smartphone line activation. Reqs. port-in from an active number (wireless or landline). Existing customers receive a $100 cash reward for each new smartphone line activation and/or a $50 cash reward for each smartphone line transferred to program. New lines req. activation at point of sale. Max 15 lines. Sprint acct must remain active and in good standing for 31 days to receive Cash Reward. Excludes MBB devices, tablets and Sprint Phone Connect, upgrades, replacements and ports made between Sprint entities or providers associated with Sprint (i.e. Virgin Mobile USA, Boost Mobile, Common Cents Mobile and Assurance.) May not be combinable with other offers. $50 Loyalty Cash Reward: Members can earn one $50 cash reward annually when Sprint acct remains active and in good standing for 1 year. Max 15 lines. Cash Reward: Cash Reward issued by CU Solutions Group. Allow 6-8 wks for Cash Reward to be deposited to your Credit Union acct. If the Cash Reward does not appear after 8 wks, visit lovemycreditunion.org/sprintrewards. Other Terms: Offers/coverage not avail. everywhere or for all phones/networks. May not be combinable with other offers. Offer, terms, restrictions, and options subject to change and may be modified, discontinued, or terminated at any time without notice. Restrictions apply. © 2016 Sprint. All rights reserved. Sprint and the logo are trademarks of Sprint. Other marks are the property of their respective owners. New accounts must register at lovemycreditunion.org/sprintrewards within 30 days of new line activation(s) to receive $100 cash reward per new line(s).

$100 CASH REWARD WITH EVERY NEW LINE $100 CASH REWARD

Visit LoveMyCreditUnion.org/Sprint

Visit LoveMyCreditUnion.org/Sprint to calculate your cash rewards.to calculate your savings.

Activ. Fee: Up to $30/line. Credit approval req. Sprint Credit Union Member Cash Rewards Offer: Offer Ends 12/31/2017. Avail. for eligible credit union members and member employees (ongoing verification). Tax ID req. to establish business acct. Switch to Sprint and receive a $100 cash reward for each new smartphone line activation. Reqs. port-in from an active number (wireless or landline). Existing customers receive a $100 cash reward for each new smartphone line activation and/or a $50 cash reward for each smartphone line transferred to program. New lines req. activation at point of sale. Max 15 lines. Sprint acct must remain active and in good standing for 31 days to receive Cash Reward. Excludes MBB devices, tablets and Sprint Phone Connect, upgrades, replacements and ports made between Sprint entities or providers associated with Sprint (i.e. Virgin Mobile USA, Boost Mobile, Common Cents Mobile and Assurance.) May not be combinable with other offers. $50 Loyalty Cash Reward: Members can earn one $50 cash reward annually when Sprint acct remains active and in good standing for 1 year. Max 15 lines. Cash Reward: Cash Reward issued by CU Solutions Group. Allow 6-8 wks for Cash Reward to be deposited to your Credit Union acct. If the Cash Reward does not appear after 8 wks, visit lovemycreditunion.org/sprintrewards. Other Terms: Offers/coverage not avail. everywhere or for all phones/ networks. May not be combinable with other offers. Offer, terms, restrictions, and options subject to change and may be modified, discontinued, or terminated at any time without notice. Restrictions apply. © 2016 Sprint. All rights reserved. Sprint and the logo are trademarks of Sprint. Other marks are the property of their respective owners. New accounts must register at lovemycreditunion.org/sprintrewards within 30 days of new line activation(s) to receive $100 cash reward per new line(s).

It’s Sprint’s best Credit Union Member Cash Rewards offer ever — another BENefit of membership!

WITH EVERY

NEW LINE ©2017 CU Solutions Group 12/2016 138422

Visit LoveMyCreditUnion.org/Sprint to calculate your savings. It’s Sprint’s best Credit Union Member Cash Rewards offer ever — another BENefit of membership!

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Activ. Fee: Up to $30/line. Credit approval req. Sprint Credit Union Member Cash Rewards Offer: Offer Ends 12/31/2017. Avail. for eligible credit union members and member employees (ongoing verification). Tax ID req. to establish business acct. Switch to Sprint and receive a $100 cash reward for each new smartphone line activation. Reqs. port-in from an active number (wireless or landline). Existing customers receive a $100 cash reward for each new smartphone line activation and/or a $50 cash reward for each smartphone line transferred to program. New lines req. activation at point of sale. Max 15 lines. Sprint acct must remain active and in good standing for 31 days to receive Cash Reward. Excludes MBB devices, tablets and Sprint Phone Connect, upgrades, replacements and ports made between Sprint entities or providers associated with Sprint (i.e. Virgin Mobile USA, Boost Mobile, Common Cents Mobile and Assurance.) May not be combinable with other offers. $50 Loyalty Cash Reward: Members can earn one $50 cash reward annually when Sprint acct remains active and in good standing for 1 year. Max 15 lines. Cash Reward: Cash Reward issued by CU Solutions Group. Allow 6-8 wks for Cash Reward to be deposited to your Credit Union acct. If the Cash Reward does not appear after 8 wks, visit lovemycreditunion.org/sprintrewards. Other Terms: Offers/coverage not avail. everywhere or for all phones/ networks. May not be combinable with other offers. Offer, terms, restrictions, and options subject to change and may be modified, discontinued, or terminated at any time without notice. Restrictions apply. © 2016 Sprint. All rights reserved. Sprint and the logo are trademarks of Sprint. Other marks are the property of their respective owners. New accounts must register at lovemycreditunion.org/sprintrewards within 30 days of new line activation(s) to receive $100 cash reward per new line(s).

to M O R T G A G E • B U S I N E S S • A U TVisit O LoveMyCreditUnion.org/Sprint • PERSON AL

12/30/16 3:33 PM

Z132_138422_Sprint_BEN_ATM_AD_800x600_V2_F2.indd 1

calculate your savings.

©2017 CU Solutions Group 12/2016 138422

12/30/16 3:33 PM

eriefcu.org


Do You Need to Repair or Replace Your Septic System? We can help! Erie FCU has partnered with PENNVEST, the Pennsylvania Housing Finance Agency (PHFA) and the Pennsylvania Department of Environmental Protection (DEP) as a participating lender to offer this special funding program. A low-cost financing option funded by PENNVEST and administered by the PHFA is available to eligible homeowners who need to repair or replace their individual on-lot septic system OR to connect for the first time to a public sewer system.

#TeamAOK Celebrates This past Summer was an exciting time in our communities. We enjoyed sponsoring various events, festivals and area celebrations. We truly enjoy being a part of YOUR community! www.eriefcu.org/community-outreach

Loan Advantages and Terms: • Attractive interest rate of 1.75% (APR estimated at 2.303%) with terms up to 20 years (15 years for manufactured homes) • 30 day turnaround on most loan requests • No prepayment penalties if the loan is paid off • Maximum loan amount is $25,000 – No prepayment penalty; no appraisal or equity required and no income restrictions • Loans will be secured by a mortgage on the borrower’s home - Lien Position must be 1st or 2nd (3rd lien is permitted if 2nd lien was obtained to purchase the home) As a borrower, you must be a Pennsylvania resident and meet qualifications for ability to repay the loan. In addition, your home must be your primary residence and be located in Pennsylvania. All applicants must be members or be eligible for membership with Erie FCU. Easy to apply: Simply stop into any Erie FCU office, call 814-825-2436 or go to www.eriefcu.org/pennvest for more information. Subject to credit approval and eligibility restrictions including household income, loan use, and owner occupancy. Interest rate quoted as of 1/1/2015. The APR is fixed for the term of the loan. Borrower pays origination and closing charges. Membership eligibility required.

Longtime Board Member, “Corky” Dombrowski, Passes Away We are saddened to announce that former Board of Directors Member, Edwin “Corky” Dombrowski, passed away on August 9, 2018. Dombrowski, a former teacher, guidance counselor, and principal at the School District of the City of Erie, proudly served the credit union for 45 years before resigning from the board in 2016. He was an advocate for staff and true supporter of the credit union movement. His dedication will always be remembered. Corky will be forever missed by the Board of Directors, management and staff of Erie FCU.

eriefcu.org

Financial Statistics Financial Data as of August 31, 2018 Assets........................$486,740,738 Deposits...................$428,016,634 Loans...................$272,417,345 Members...........58,852

MORTGAGE • BUSIN ESS • AUTO • PERSON AL

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3503 Peach Street • Erie, PA 16508-2741

Office Locations & Hours of Operation 38th Street Office

State Street Office

1109 East 38th St. Erie, PA 16504

Drive Thru Hours: Monday-Wednesday: 9AM-5PM Thursday-Friday: 9AM-6PM Saturday: 9AM-3PM

518 State St. Erie, PA 16501

Lobby Hours Monday-Thursday: 9AM-5PM Friday: 9AM-6PM Saturday: 9AM-1PM

Debit Mastercard® or STAR Card®:

32nd Street Office

1220 West 32nd Street Erie, PA 16508

Drive Thru Hours: Monday-Wednesday: 9AM-5PM Thursday-Friday: 9AM-6PM Saturday: 9AM-3PM

Lobby Hours Monday-Thursday: 9AM-5PM Friday: 9AM-6PM

Buffalo Road Office 2436 Buffalo Rd. Erie, PA 16510

Edinboro Office

Lobby Hours Monday-Thursday: 9AM-5PM Friday: 9AM-6PM Drive Thru Hours: Monday-Wednesday: 9AM-5PM Thursday-Friday: 9AM-6PM Saturday: 9AM-3PM

Zuck Road Office

101 Washington Towne Blvd. Edinboro, PA 16412

Drive Thru Hours: Monday-Wednesday: 9AM-5PM Thursday-Friday: 9AM-6PM Saturday: 9AM-3PM

5500 Zuck Rd. Erie, PA 16506

Erie FCU No Surcharge & No Fee ATMs

Lobby Hours Monday-Thursday: 9AM-5PM Friday: 9AM-6PM

3503 Peach St. Erie, PA 16508

Drive Thru Hours: Monday-Wednesday: 9AM-5PM Thursday-Friday: 9AM-6PM Saturday: 9AM-3PM

Toll Free: 800.480.0494

800.523.4175 (After Hours) Mastercard® Credit Card Lost/Stolen:

866.604.0381 (After Hours) Erie FCU NMLS #414454 Privacy Policy Notice - The Erie FCU privacy policy has not changed. You may obtain a copy at www.eriefcu.org/pp or contact us at (814)-825-2436 or (800)-480-0494.

Holiday Hours & Closings Columbus Day Monday, October 8th All offices will be closed

Veterans Day Monday, November 12th

All offices will be closed except Walmart open 10AM-3PM.

Thanksgiving Day Thursday, November 22nd

All offices will be closed

Glenwood Office

Lobby Hours Monday-Thursday: 9AM-5PM Friday: 9AM-6PM Saturday: 9AM-1PM

E-mail: memberservices@eriefcu.org

Walmart Office

Lobby Hours Monday-Friday: 10AM-7PM Saturday: 10AM-3PM Sunday: 11AM-3PM

Lobby Hours Monday-Thursday: 9AM-5PM Friday: 9AM-6PM

Website: eriefcu.org E-Z Phone: 814.825.2436, Option 9

1825 Downs Drive Erie, PA 16509

1005 Greengarden Rd. Erie, PA 16501

Routing Number: 243380927

Lobby Hours Monday-Thursday: 9AM-5PM Friday: 9AM-6PM

(Walmart Supercenter)

Bayfront Office

Drive Thru Hours: Monday-Wednesday: 9AM-5PM Thursday-Friday: 9AM-6PM Saturday: 9AM-3PM

Important Information

Lobby Hours Monday-Thursday: 9AM-5PM Friday: 9AM-6PM Saturday: 9AM-1PM

As an Erie FCU member, you can make withdrawals and deposits at our ATMs or Fast Branch/ATMs using your Erie FCU Debit Mastercard® or STAR® Card and you will not be charged a surcharge or Out-of-Network Fee. For a current listing of all ERIE FCU ATMs, visit www.eriefcu.org/atms

Christmas Eve Monday, December 24th

Branch lobbies, branch drive thrus, and Corporate are closing at 1PM. Walmart open 10AM-3PM.

Christmas Day Tuesday, December 25th

All offices will be closed

New Year’s Eve Monday, December 31st

Branch lobbies, branch drive thrus, and Corporate are closing at 1PM. Walmart open 10AM-3PM.

New Years Day Tuesday, January 1st

All offices will be closed

Erie FCU - 2018 Fall Newsletter  

Erie FCU - 2018 Fall Newsletter

Erie FCU - 2018 Fall Newsletter  

Erie FCU - 2018 Fall Newsletter