EMAIL info@onefcu.com
INSTAGRAM @onefederalcreditunion
In This Issue
Letter From the President
Investing in Community A PARTNERSHIP THAT MAKES A DIFFERENCE
Your ONE Wish
Your ONE Story & Creating Smiles
75th Anniversary Member Celebration
Our History
Swap & Drop
Product & Service Updates
Youth Day
Networking In Our Neighborhoods
Kindness 365
Business Spotlight KOVFINO, CAMBRIDGE SPRINGS TIRE CO,
Our Team Is Growing
Celebrating Our 75th Year
AND LOOKING AHEAD
I hope this letter finds you well. As we celebrate the midpoint of our 75th year, I am filled with immense pride and gratitude for each one of you who has contributed to our journey thus far. This occasion marks a significant moment in our history—a testament to our resilience, innovation, and unwavering commitment to excellence.
Reflecting on our achievements over the past seven and a half decades, it is clear that our success has been driven by the dedication and hard work of our team, the support of our partners, and the trust of our members. Together, we have navigated challenges, embraced opportunities, and forged a path of continuous growth and transformation.
Looking forward, we are excited to embark on the next phase of our journey. As we plan for the next 75 years, we are committed to building on our strengths while embracing new opportunities and challenges. Our vision is bold and ambitious, rooted in our core values of integrity, innovation, and sustainability.
I am pleased to share that we are in the process of developing a strategic plan that will guide us through the next milestone in our company’s history. This plan will focus on harnessing emerging technologies, expanding our footprint, and driving sustainable growth. We are confident that with your continued support and dedication, we will achieve even greater success in the years to come.
Once again, I extend my heartfelt thanks to each of you for your contributions to our company’s success. Together, we have accomplished so much, and I am excited about the opportunities that lie ahead. Let us continue to work together, innovate boldly, and make a positive impact on the world. Here’s to celebrating our past achievements and creating an even brighter future together.
Warm regards,
Heather Clancy-Young CEO/President
Investing in Community:
A PARTNERSHIP THAT MAKES A DIFFERENCE
In a heartwarming display of community spirit and corporate responsibility, The ONE Federal Credit Union has joined with the Meadville Area Recreation Complex to significantly enhance recreational opportunities for the local population. This collaboration not only marks a milestone in community development but also underscores the positive impact when businesses invest in the well-being of their neighborhoods.
The partnership between ONE FCU and the MARC began with the baseball complex renovation. This expansion created a space where families, athletes, and individuals of all ages could come together to engage in this healthy activity and foster a sense of community. It also opened up the possibilities for larger tournaments to be held, bringing in revenue to the community when teams visit the area. Recognizing the importance of accessible recreational facilities, ONE FCU made a substantial financial commitment to renovate the existing complex, as well as an ongoing maintenance agreement, ensuring it meets the growing needs of the community.
A second contribution was made when the ice arena began having difficulties remaining frozen. ONE FCU contributed funds to help replace the dehumidifier. This new improved dehumidifier unit allowed the ice arena to stay open and provide access for sports like ice hockey, figure skating, and other recreational programs. These programs not only promote a healthier lifestyle but also strengthen social bonds and community cohesion.
Moreover, the collaboration between ONE FCU and the MARC serves as a model of how businesses can play a pivotal role in supporting local initiatives and fostering sustainable community development. By investing in the infrastructure that directly benefits residents, ONE FCU demonstrates its commitment to corporate citizenship and enhancing the overall quality of life in the area.
As we celebrate this inspiring collaboration between ONE FCU and the MARC, we are reminded of the transformative power of partnerships that prioritize community wellbeing. Through shared vision, dedication, and a commitment to making a difference, they have set a shining example of how businesses and local organizations can come together to create positive change.
Your ONE Wish
MAKING WISHES COME TRUE
In April, the 75th Wish Committee granted its first wish to Saegertown Area Library for $500 to support their Summer Reading Program, “Adventure Begins at Your Library”. We went on to grant more wishes including portable microscopes to French Creek Valley Conservancy to aid in educational programs, puzzle tables to Wesbury for their activity center, a fridge to Linesville Library for their Summer Lunch program, backpacks to Child to Family Connections for children in need, and more. We are still granting wishes to individuals and nonprofits across our communities. Just keep watching for our signs to see where the 75th Wish Committee has reached!
Member Surveys RESULTS INDICATE YOU’RE SMILING!
We recently rolled out a new member survey program to gauge service satisfaction. You may be familiar with the kiosks and displays in our lobbies that ask, “Did we make you smile today?” Across all five of our locations, we have received a total of 707 responses in the last quarter. Given your feedback, our team is focusing on improving members’ wait time to provide a better experience, and overall, leave you smiling after every interaction. We hope you will continue to leave feedback as we wish to continue improving your experience.
Saegertown Area Library
A special shout out to Flick’s Appliances for helping us make the Linesville Library’s wish come true!
From left to right: Wesbury, French Creek Valley Conservancy, Child to Family Connections, Crawford County Humane Society
Your ONE Story
2ND QUARTER WINNER
Congratulations, Holly Gustafson, on being drawn as our winner for the first quarter 75th Anniversary Basket! Holly has been banking with ONE for over around 3 years, and this is her story: “I got my first car loan through ONE. I had no idea what I was doing, but Casey guided me through the whole process. I have continued to bank with ONE since then, and have always received above and beyond customer service. ONE will always be the first place I go to for a loan or new type of account!”
Want to Tell Your ONE Story, too? We’re open for submissions throughout the year with a 75th Anniversary Basket being drawn once per quarter for a total of 4 winners! Submit Your ONE Story in person at any ONE FCU location or online at www.onefcu.com.
Creating Smiles CELEBRATING RONNIE’S ACHIEVEMENT
We’re shining a spotlight on one member this week who our team had the opportunity to celebrate a financial achievement with: Ronnie! From securing the auto loan for his vehicle, to his final payment, we’re so grateful for the privilege to be a part of each financial MilestONE. Congratulations on paying off your car, Ronnie!
Celebrating With Ronnie
75th anniversary Member Celebration
MONDAY, JULY 15TH - FRIDAY, JULY 19TH
Special Days
Business Chamber After Hours
868 PARK AVENUE, MEADVILLE, PA 16335
This event is open to Chamber and ONE Business members only.
Meadville Open House (2-4pm)
868 PARK AVENUE, MEADVILLE, PA 16335
Join us at the Park Avenue branch for refreshments, giveaways, and 5-minute massages. The credit union will stay open for normal banking service.
Saegertown Open House (2-4pm)
280 NORTH ST, SAEGERTOWN, PA 16433
Join us at the Saegertown branch for refreshments, giveaways, and 5-minute massages. The credit union will stay open for normal banking service.
7/15 7/16 7/16 7/17 7/18 7/18 7/19
Drive Thru Donuts (9am-12pm)
All ONE FCU drive thry locations will serve donuts until noon or until supplies run out.
Conneaut Lake Open House (2-4pm)
10998 ST. HWY 18, CONNUEAT LAKE, PA 16316
Join us at the Conneaut Lake branch for refreshments, giveaways, and 5-minute massages. The credit union will stay open for normal banking service.
Cochranton Open House (2-4pm)
180 N. FRANKLIN ST, COCHRANTON, PA 16314
Join us at the Cochranton branch for refreshments, giveaways, and 5-minute massages. The credit union will stay open for normal banking service.
Free T-Shirt Friday
ALL LOCATIONS, ALL DAY
Members will receive a free T-shirt when they make a transaction at any ONE FCU branch, while supplies last!
Event Calendar
15 JULY
We will be hosting a Chamber Business After Hours on Monday, July 15th to celebrate our 75th Anniversary.
15-19
JULY
Join us for a full week of festivities during our 75th Anniversary Member Celebration.
20 JULY
Stop by the Saegertown Branch during the 2024 Saegertown Community Garage Sale Day for hot dogs and snacks!
All Week Long
Share Certificate Special
75 Months / 3.75% APY*
Refer-A-Friend Special
Refer a friend to ONE Federal Credit Union and get $25 for yourself and $10 for a friend! Just fill out a Refer-A-Friend card with one of our team members and have your friend bring it when they open an account in-person or online.**
New Account Pars On-Us
We’ll cover the $5 par when you open a Regular Share Account during Celebration Week.***
75 Gift Giveaway
Stay tuned to see if you’ll be one of the 75 Gift Giveaway Recipients!
Member Photo Billboard Feature
All of Celebration Week, we’ll be featuring our members’ photos on the digital billboard on the 322 highway. To get your photo on the billboard, all you have to do is:
Post a picture of yourself on Facebook or Instagram with the ONE FCU logo wherever you find it.
Use this hashtag: #FunWithONEfcu
Tag us @onefederalcreditunion
Tell us what you love about ONE
*Annual Percentage Yield with a $250 minimum deposit. Rate available through 7/19/24. Early withdrawal penalties apply. Other rates and terms available.
**$25 Referral Bonus available to existing ONE FCU members who have been members for at least 30 days. $10 Welcome bonus is available to new ONE FCU members who join 07/15 through 07/20 only. Maximum one welcome bonus per new member or joint account. New members must be in good standing through 08/20 to receive welcome bonus on 08/21. Existing ONE FCU member will receive referral bonus after the new member joins and completes qualifying transactions. Federally insured by NCUA.
***Offer valid 07/15-07/20 for new Regular Share Accounts only
7 AUGUST
Look out for us at the Cochranton Fair Parade. We’ll be passing out special goodies to the community.
19, 20, 23 AUGUST
See us at the Crawford County Fair where we’re partnering with 7 Mountain’s radio.
2 SEPTEMBER
All offices will be CLOSED Monday, September 2nd for Labor Day.
14 SEPTEMBER
Stop by our tent during the Chamber Wine & Brew Walk for chocolate fondue!
OUR HISTORY
75 YEARS OF PEOPLE HELPING PEOPLE
1949
Eight men from the Viscose Plant in Meadville chartered the Viscose Employees Federal Credit Union for their fellow colleagues. Banking times were held in the lunchroom and transactions conducted from a shoebox.
1950
Viscose Employees Federal Credit Union celebrates its first full year of operation.
1973
Viscose Employees Federal Credit Union celebrates its 25th Anniversary and changes its name to FMC Employees Federal Credit Union.
1977
FMC Employees Federal Credit Union changes its name to Avtex Employees Federal Credit Union.
1986
Avtex Employees FCU changes its name to Meadville Area Federal Credit Union which served over 300 Employee Groups in the Meadville Area.
1999
Meadville Area FCU celebrated its 50th Anniversary and in the same year, merged with 2 of the last 3 small credit unions in Crawford County (Meadville Forge Credit Union and Northwestern PA Federal Credit Union formerly knowns as Talon Credit Union).
2008
MAFCU opens its second branch in Saegertown.
2011
MAFCU opens its first Student Credit Union in Titusville High School.
2013
MAFCU opens its seconf Student Credit Union in Cochranton High School.
2014
MAFCU merges with the last single sponsor employee credit union, Greenleaf Employees CU.
2015
With continued growth, MAFCU seeks out application to expand its charter of membership to include Mercer County. Addtionally, application is submitted to receive Low Income Designation to serve special programming to areas of theis designation in both counties.
2016
In consideration of recent expansion into Mercer County, the decision is made to conduct a year-long re-brand and change names for what is to be the future of the credit union. The name of ONE Federal Credit Union is established and approved by the National Credit Union Administration. In addition, the third Student Credit Union is opened in Meadville Area Middle School.
2017
ONE Federal Credit Union opens its third branch in Cochranton. In the same year, ONE opens its fourth Student Credit Union at Meadville Area High School and additionally sponsors a student store.
2018
ONE opens multiple Student Credit Unions in elementary schools.
2019
ONE opens its fourth branch in Conneaut Lake.
2020
ONE opens its fifth branch in Meadville on Park Ave.
2024
ONE celebrates 75 Years of serving the small communities of both Mercer and Crawford Counties.
product & service
How to Swap & Drop
WHAT CAN I SWAP & DROP?
Any title loan that is financed with another institution, i.e truck, camper, recreational, ATV, boat, motorcycle, snowmobile!
MEMBERS WILL NEED
Name, phone, address, and fax number of current lender
Your loan account number
Your current loan balance
Current pay stub
Proof of insurance
GET IN TOUCH WITH OUR TEAM
You can call our offices or make an appointment online with our lenders to get started today!
Apple, Samsung, and Google Pay for Credit Card Users
JUST TAP YOUR PHONE & GO
That’s right! ONE FCU is now fully compatible and integrated with Apple, Samsung, and Google Pay for its ONE FCU Credit & Debit Card holders! Enjoy all the benefits these payment services have to offer with your ONE FCU Debit Card. Experience a quick and convenient checkout through the use of your phone or smartwatch. These payment services offer contactless payment methods, allowing you to simply pull out your phone and place it next to the card reader. The payment is then made quickly and securely. It’s that simple!
Your ONE FCU Debit Card can be added by going to the respective Wallet on your device and following the instructions to add the digital card.
Youth Day
CELEBRATING YOUTH
FINANCIAL LITERACY
And so went another successful Youth Day ONE! Throughout April, our team emphasized youth financial literacy—helping kids open savings accounts, getting working teens their first checking and direct deposit setup, and overall discussing the value and importance of personal finance. Youth Day is our way of saying “awesome job!” every year to all the kids who participate and continue to maintain their accounts. We celebrated with activities, prizes, donuts from Donut NV, and entertainment with Tree Family Party Piggies! But something our members may not have expected was the surprise visit by the Centsables team! Six fearless friends whose greatest power is to help you make smart financial decisions for the rest of your life…beginning here and now.
WHAT FAMILIES ARE SAYING:
“My young daughter opened her own account last year for Youth Month and loved the activities that went along with signing up. What makes ONE the best is all the fun events held to make banking that much brighter. Hands down the best family bank I’ve ever had. Thank you ONE!”
“We bank at ONE because of the friendly atmosphere and because they always take the time to make the kids feel included and knowlegeable.”
“ONE is a great place to teach the kids about savings. We opened a Graduation Growth Fund.”
“We love ONE. Youth Month is always fun.”
networking in our neighborhoods
ring of fire demo derby
MAY 4TH & JUNE 1ST
Our team had a blast at the Ring of Fire Demo Derby in Cochranton where ONE sponsored 8 cars over both dates and volunteers helped out at the event with the 50/50 raffle and concession stands.
CONNEAUT LAKE community YARD SALE DAY
SATURDAY MAY 18TH
The Conneaut Lake team spent the morning handing out donuts, coffee, and other goodies to treat the yard sale shoppers who stopped by the Conneaut Lake Branch.
SPECIAL OLYMPICS
WEDNESDAY, MAY 22ND
The Special Olympics is an annual vonlunteer event for ONE. Although sadly this year’s event was cut short due to weather concerns, the athletes had a fantastic morning getting the chance to compete at many of the games.
RELAY FOR LIFE
SATURDAY, JUNE 22ND
ONE put together a team to show support at Crawford County’s Relay For Life. Our volunteers spent the day participating in the relay and handing out refreshments.
May LOVE YOUR PET MONTH
We shared kindness in May with a social media conversation about how much our pets mean to us. The Love Your Pet photo contest sparked joy for many as people shared stories about their pets and what they appreciate most about them. Over the course of four weeks, we had four winners of the photo contest, one from each category including Furry Friends, Scales & Tails, Barnyard Buddies, and Feathered Family. We enjoyed learning about the scaly, four-legged, and feathered creatures that complete your family, and we hope you did too!
July (Current)
FIRST RESPONDERS
APPRECIATION
This month, we invite our members to show kindness to our first responders, like our amazing firefighters, police officers, paramedics, and EMTs. They are the everyday heroes who keep our community safe and sound by leaping into action during emergencies, often risking their lives to protect ours. We enourage members to attend their charity events, volunteer alongside them, send cards & care packages, or even just to give a shout out on social media.
April
AUTISM ACCEPTANCE MONTH
Every April, the Autism Society works to build an inclusive community where autistic individuals are embraced and supported to achieve the highest quality of life. So, we invited our members to join us in spreading kindness by donating funds to help purchase flexible seating for local autistic support programs. We’ve been working with classrooms to make this happen, so you’ll have to stay tuned to find out how it goes!
June
NATIONAL FAMILY MONTH
In June, we kicked off the summer season with a discussion about family financial literacy. Members who participated in the discussion on Facebook were entered into a drawing for four tickets to Waldameer to celebrate National Family Month with their loved ones. Ariel, the winner of the drawing, shared her best practices saying, “Our kids each have their own debit cards that their allowance is on. They also receive $100 every 3 months for their toiletries. If they go over budget, they have to cover with allowance. If they stay under, they can chose to save or buy something extra. We also explain why sometimes we can’t do certain things or buy “unnecessary “ items so we can save for something we really want.”
We thank everyone who participated in the discussion and we hope that Ariel and her family had a great time at Waldameer! 3
business spotlight
3rd quarter edition
Kovfino
COFFEE, TEA & PASTRIES
Neighboring the Iris Theater inside the Motzing Center of downtown Cochranton is Kovfino, a coffee lounge known for their specialty beverages, from iced coffees to bubble teas. With a cozy atmosphere and free Wi-Fi, you’ll find that Kovfino is warm and welcoming. One of their customers shared, “They greet all of their customers with a smile every day and make it a point to get to know everyone who comes in the door –especially if they are new in town.”
Owned by the Cochranton Community Church, Kovfino embodies strong community values. This Labor Day, Kofvino will be holding “Jack’s Moving Day of Grace”. Attendees can expect food, games, bouncy houses, and more. During the holiday season, they take donations for the Shoe Box Drive, which sends gifts to children around the world.
As an active community member, Kovfino shared what it means to be a part of The ONE Federal Credit Union saying, “We love how they get involved with the community and are always supportive of local businesses. Whether you are looking for a new bank or have questions about what they
offer, we recommend checking them out. Their customer service is top-notch!”
Our Cochranton team loves their coffee runs to Kovfino in the mornings and working with each of their representatives. One team member said that in their experience, “Jessie makes my coffee just the way I like it every time. She always asks how I’m doing with genuine interest –you can tell she cares about her customers. They’re good people doing great things.”
Cambridge Springs Tire Co.
OUR FAMILY SERVING YOURS
Cambridge Springs Tire Co. has stood by the motto “Our Family Serving Yours” since its founding in 1979. Currently owned and operated by brothers John Jr. and Jason Turner, this family business maintains a long tradition of honesty and reliability. Today, they continue to provide the high-quality tire services their customers have come to expect, offering a wide range of options to meet their needs.
Cambridge Springs Tire Co. specializes in all brands of new tires, various sizes of used tires, new sensor valve stems, tubes, studded tires, and more. Plus, customers who purchase four tires receive free rotations and bead seals for the lifetime of the tires.
Despite its status as a small business, Cambridge Springs Tire Co. competes with large name-brand tire shops. They understand the value of their customers’ time, ensuring convenient service so clients can go from enjoying the comfortable waiting area to swiftly getting back on the road. Their competitive pricing makes them a great choice for anyone in the market for new tires. The shop is open Monday through Friday, with additional hours on Saturday for added convenience.
Cambridge Springs Tire Co.’s appreciation of convenience extends beyond the shop as well.
“We appreciate banking with ONE as they provide a wonderful banking experience. The staff is very friendly and helpful, and the convenience of the Saegertown branch has been nice for Cambridge Springs Tire Co.”
Whether serving new or returning customers, Cambridge Springs Tire Co. is dedicated to helping everyone find the right tires for their needs and budget. Stop in or call in to make an appointment and enjoy their fast and friendly service.
@CambridgeSpringsTireCo (814)-398-4671
Conneaut Lake Notary
FOR ALL YOUR NOTARY NEEDS
For nearly ten years, Conneaut Lake Notary has helped residents by providing full notary services to Crawford County and beyond. From witnessing signatures to verifying documents and administering oaths, Conneaut Lake Notary can assist with all notary needs, as they are PennDOT approved. Owner and operator, Brianna Lang, understands that navigating paperwork and legal terminology can be daunting. So, she makes it a point to provide personal service and ensures all your questions are answered.
Well-known in the community, Conneaut Lake Notary is an official member of the MeadvilleWestern Crawford County Chamber of Commerce which helps them get involved with new community activities and events. Brianna frequently lends her time to sponsor and support local causes big and small.
Because everyone’s story is unique, Brianna prizes personalized service with her customers. She shared that this is something that she also appreciates about her banking, too. “The customer service is outstanding at the Conneaut Lake branch. I really enjoy having my business accounts at ONE. They have more of a personal feel there than any other financial institution I have ever used.”
Over time, our team has grown to know Brianna as warm and always happy to help others however she can. If you find yourself in need of a notary, Conneaut Lake Notary welcomes you to their new location established in 2022. Just two blocks north across from the State Farm office where you can expect knowledgeable and friendly service.
OUR TEAM IS Growing!
ONE’s Newest Team Members
KELLEN, TEDDY, JULIA, & PARKER
This summer, ONE welcomed four new team members. Kellen and Teddy have joined the front line as tellers. They recently completed their training, showing growth in their member service and attention to detail. Kellen and Teddy are now on the line, so make sure to stop by and say hello!
College students, Julia and Parker, have joined the ONE team as interns. They will be working with various departments through the summer to gain experience and further their education in the financial industry. It has been a pleasure to work with them so far and we look forward to seeing where life takes them.
Department in Development
FURTHERING INDIRECT MEMBER ENGAGEMENT
ONE FCU is excited to announce that Katie Leveto recently stepped into the newly established role, Indirect Member Engagement Specialist. This position was designed to strengthen our relationships with new account holders that come to us indirectly.
Katie ensures each new indirect member receives a warm welcome to ONE Federal Credit Union. Katie will also make sure members have their account information, coupon book, and information on what the credit union is all about! Over the past few months, Katie has demonstrated exceptional creative problem-solving skills by developing innovative ways to engage with members. We look forward to seeing her continued growth and success in her career.
a few words From The Managers
Casey Carlson
MEADVILLE BRANCH MANAGER
“We’re so excited to be celebrating ONE’s 75th Anniversary as a team and with our members! As we gear up for the Celebration Week, we’re anticipating sharing all of the special events and surprises we’ve been working on all year. Make sure to stop by so you don’t miss out on the festivities!”
Tristyn Mattern
SAEGERTOWN BRANCH MANAGER
“Summer is finally here! The Saegertown team is enjoying the sun with the occasional outside lunch or afternoon walk. Our team is excited to participate another year in the Saegertown Community Garage Sale Day on Saturday, July 20th. We’ll be grilling out in the yard at our local branch with plenty to share, so stop by for some lunch or a snack and show us your garage sale finds!”
Melinda Danko
CONNEAUT LAKE BRANCH MANAGER
“Conneaut Lake has sprung back to life as families are flooding back to the area to enjoy the hot summer weather on the water. Though the summer isn’t over yet, have you thought about how you’d like to spend your summer next year? Putting away a little cash at a time could add up to the legendary family vacation you might’ve missed out on. Stop in or call the Conneaut Lake office to ask about our High Yield Summer Savings and start investing in your 2025 summer activities.”
Chelsea Barr
COCHRANTON BRANCH MANAGER
“Hello from the Cochranton Office! The last few months have been a whirlwind between training with ONE and getting to know each of our members. However, I can’t begin to express how welcome everyone has made me feel! My passion is meeting new people, learning new things, hearing stories, and helping others in every way I can. I’m enjoying my new role as Cochranton Branch Manager and looking forward to getting involved with our ONE community!”
