Celebrating our success and building the future together!
Catch up on what your credit union is doing in your neighborhood!
Among record-breaking competition at the 2025 CUNA Diamond Awards!
Events you won’t want to miss this April, May, and June!
Wear red,, share a story, honor a hero, and learn about the ONE Wall of Honor.
UNION DIFFERENCE WHY DO CREDIT UNIONS TALK FUNNY?
Credit unions and banks offer similar products and services, so what makes the language different?
What do soft serve, homemade chili, and a 33year -old love story have in common? You’ll find them at this Saegertown favorite! 13 FINANCIAL WELLNESS SUMMER ADVENTURES AWAIT!
Hey, summer’s here, and we know you’ve got big plans. So why wait? Don’t just daydream about your next getaway—make it happen!
It’s important to regularly review your personal finances to stay on track, but what should you look for?
a diamond in the rough: Celebrating Our Success and Building the Future Together
LETTER FROM THE CEO
As the CEO of this incredible credit union, I am proud to share a recent milestone that speaks volumes about the dedication, creativity, and passion that drive us every day. We’ve been honored with one of America’s Credit Union Diamond Awards, a prestigious recognition that celebrates excellence in marketing initiatives. This award is particularly special because it reflects not only the success of our 75th Anniversary campaign but also the innovative spirit of a remarkable young talent -Ruth, our 22-year-old marketing associate. Ruth joined us right out of high school, and since then, she’s shown us all what it means to be a diamond in her own right -a testament to the power of nurturing young talent and allowing them to grow and thrive within our organization.
At just 22, Ruth has proven that age doesn’t define capability, and her contributions are a perfect example of what we believe in: giving young people the opportunity to share their talents, develop their skills, and expand their potential. Ruth’s success is not just her own - it’s a reflection of our commitment to helping all of our team members grow, and it’s something we’ll continue to prioritize in the years to come.
Building Our Brand Through Community Connection Partnerships
One of the pillars of our credit union’s philosophy is building meaningful, impactful relationships with the communities we serve. We’ve always believed in the strength of Community Connection Partnershipsalliances with local businesses, organizations, and individuals that help both parties grow. This approach isn’t just about enhancing our brand; it’s about creating a larger vision of community support - one where we all work together to foster mutual growth.
Through strategic partnerships, we can increase our presence in local communities, but most importantly, we can help other businesses thrive. By aligning ourselves with those we serve, we open up countless opportunities for collaborative initiatives that benefit not only our members but the broader local economy as well. This collaborative spirit is at the heart of credit unions. We’re not just about providing financial services; we’re about people helping people. And when we build strong relationships with local businesses, we elevate our community in ways that create lasting, meaningful impact.
As we expand our charter across 13 counties and three states, we are especially focused on reaching rural areas and underserved communities. It’s an opportunity to bring our services to areas where access to financial resources may be limited, and to offer solutions that empower individuals, families, and small businesses. Through these partnerships, we’re not only helping people access the services they need - we’re helping to create stories of success and empowerment that will inspire future generations.
A Call to Action: Join Us in Building the Future
Our mission is simple: we want to serve our members - but we also want to serve the communities in which they live and work. Our success depends not only on the innovative solutions we create within our credit union but also on how we can work together with local businesses, nonprofits, and individuals to strengthen our collective vision for the future.
I encourage all of you - whether you’re a member, a local business owner, or someone passionate about making a positive impact in our community - to join us in building this vision. By partnering with us, we can come up with new ways to serve you, to help you grow, and to ensure that our communities continue to thrive. Whether it’s collaborating on initiatives that promote financial wellness, providing exclusive member discounts, or supporting local events, there’s a space for everyone to contribute to this effort.
Credit unions create stories of people helping people every single day, and our work together has the potential to create stories that will be remembered for generations to come. Together, we can continue to pave the way for a future where our community is stronger, our members are more successful, and our credit union is a cornerstone of support and growth. Let’s work together to make a difference. We look forward to partnering with you.
Yours truly,
Heather Clancy-Young, CEO
ONE FEDERAL CREDIT UNION NAMED DIAMOND AWARDS RECIPIENT
Among Record-Breaking Competition!
AUSTIN, TX – The ONE Federal Credit Union was among 180 credit unions nationwide named as winners of the prestigious Diamond Award – the Marketing, PR & Development Council’s annual competition for marketing excellence.
ONE Federal Credit Union received the following recognition: 2025 CUNA Diamond Award for MultiFaceted Marketing Campaign, highlighting the Make Your ONE Wish campaign by which the ONE FCU team granted 75 wishes in Crawford and Mercer counties in 2024 to celebrate its 75th Anniversary.
The Marketing, PR & Development Council of America’s Credit Unions also announced the list of all winners for its annual Diamond Awards, recognizing the best marketing campaigns in the credit union industry from the past year. Credit unions, advertising agencies, and associations submitted 1,400 submissions for the prestigious awards. In all, 180 organizations from 42 states were selected as winners.
“We are truly thrilled to celebrate ONE Federal Credit Union and the other Diamond Award winners with such a prestigious recognition,” said Lesli Bishop, Co-Chair of the Diamond Awards and Chief Marketing Officer at Family Savings Credit Union in Gadsden, Ala. “These credit unions not only reflect the core values of the credit union movement, but they exemplify the forwardthinking and innovative strategies within our industry.”
For more than 30 years, the Diamond Awards have celebrated the excellence in credit union marketing.
About America’s Credit Unions:
America’s Credit Unions is the unified voice for notfor-profit credit unions and their more than 140 million members nationwide. America’s Credit Unions provides strong advocacy, resources and services to protect, empower and advance credit unions and the people and communities they serve. For more information about America’s Credit Unions, visit AmericasCreditUnions.org.
2nd quarter events
SATURDAY, APRIL 5TH
SUPER SAVERS
SATURDAY
Join us, the Easter Bunny, and our favorite financial crime fighters, The Centsables, to kick off Youth Month with games, activities, giveaways, and so much more!
WEDNESDAY, APRIL 1ST
YOUTH MONTH
Youth Month is back, and its the best time to introduce your child to the basics of banking! Take advantage of our account opening perks, savings and share CD account specials, and so many ways kids can earn more $$$!
WEDNESDAY, MAY 21ST
MAFC GUEST
BARTENDING
Come out to Hitchy’s to support the Meadville Area Free Clinic! ONE FCU will be guest bartending at 7:30pm, serving up our surprise signature drink!
WEDNESDAY, MAY 21ST
special olympics
We’re looking forward to another year at Special Olympics! Come say hi at the Softball Toss, or at our ONE Fun tent! Reminder, all ONE FCU lobbies will be closed this day. However, drive-thru and phone service will remain available. 4.19 FULL DAY CLOSURE GOOD FRIDAY
All ONE Federal Credit Union branches will be closed in observance of Good Friday. 5.26 FULL DAY CLOSURE MEMORIAL DAY
All ONE Federal Credit Union branch lobbies will be closed. Drive-Thru services will remain open.
All ONE Federal Credit Union branches will be closed in observance of Memorial Day. 6.19 FULL DAY CLOSURE juneteenth
All ONE Federal Credit Union branches will be closed in observance of Juneteenth. 5.21 PARTIAL CLOSURE SPECIAL OLYMPICS
TEAM VOLUNTEER HOURS
Since Jan. 01, 2025
in our communities Spring Into Volunteerism!
BULLDOG HOCKEY TOURNAMENT
In January, ONE put together a giant giveaway tower valued at $1350! One lucky raffle winner went home with all the goods, and all participants’ contributions went to support the Bulldog Hockey Team
18
COMMUNITY EVENTS
Since Jan. 01, 2025
MEADVILLE FIRST FRIDAY SWEET TREAT WALK
NURSING HOME VALENTINES CARDS
For February’s Kindness 365 mission to warm hearts, our team came together to brainstorm Valentine’s Day cards for nursing home residents! Our group had a lot of fun writing and handing these cards out just before Valentine’s Day!
$14.5k
IN DONATIONS
Since Jan. 01, 2025
For the Sweet Treats Walk, formerly known as the Cookie Walk, we went for sweet and savory with participants’ choice of either Cookies and Cream Donuts, or Maple Bacon Donuts from Lake Golden Dawn Grocer in Conneaut Lake. And may we say, what a delicious choice!
SAEGERTOWN TRAP TEAM REVERSE RAFFLE
The ONE Federal Credit Union was recognized for its support of the Saegertown Trap Team as their financial and community partner. We thank them for the opportunity to do so, and look forward to the future with their team.
ST. PATRICK’S DAY PARADE
At ONE, green is kind of our thing. So of course the St. Patricks Day Parade is our jam! The rain cleared up just in time for our team to jaunt down Chestnut Street. We’re looking forward to tossing candy to you again next year!
BULLDOG BASEBALL BINGO FUNDRAISER
And we’re back at it with another giveaway tower in March for the Bulldog Baseball Team’s Annual Bingo Fundraiser! We had a great turnout for this event, too! Looking forward to a great season with the Bulldog Team!
NEXTREX RECYCLING CHALLENGE
Teaming up with Cambridge Create for March’s Kindness 365 mission to recycle, we launched Project Bags to Benches. By collecting 57.4 pounds (that’s nearly 4,000 standard grocery bags) of stretch plastic with our members, we helped Cambridge Springs get closer to earning a recycled park bench!
our next big event:
REMEMBERING EVERYONE DEPLOYED
If you’ve been to any of our branches on a Friday, you may have noticed our team has strayed away from its usual green attire, springing for a vibrant RED instead. That’s because this year, ONE FCU is honoring military veterans with Operation R.E.D.
Beginning May 1st, we will be collecting Veteran names and stories to be featured on our website, with a community memorial to come.
See the next page for more on how you can participate.
stories of the brave: ONE wall of honor
At ONE Federal Credit Union, we believe in community, commitment, and country. That’s why we’re proud to announce our newest community initiative, “ONE Mission: Honor, Remember, Unite,” a heartfelt tribute to the brave men and women of our armed forces.
This campaign, launching May 1 and running through Veterans Day on November 11, will feature a series of events and opportunities to honor the veterans and active-duty service members in our community. From Memorial Day to Veterans Day, we’ll come together to recognize the sacrifices made by those who serve—and those who support them.
Our cornerstone project is the creation of the ONE Wall of Honor, a powerful collection of veteransubmitted stories and service photos. These stories will be collected from May 1 through June 30 via our website or in person at any local branch. Each story represents the strength, resilience, and spirit of our nation.
On Veterans Day, we will unveil a life-size Wall of Honor installation in a special ceremony, allowing the community to experience and reflect on the legacies of our local heroes. Until then, you’ll be able to follow along as we showcase these incredible stories online.
selfie to our Facebook page, and stand in solidarity with the heroes currently serving overseas. Every submission will become part of our weekly RED Friday collage.
Want to do more? Stay tuned for ways that you can join with us to make this campaign a lasting tribute to supporting deployed service members and ensuring that no soldier goes unloved or forgotten.
ONE Mission is more than a campaign - it’s a community promise.
We are also proud to support the National R.E.D. Friday Campaign - Remember Everyone Deployed. Every Friday, we encourage you to wear red, post a
Join us. Wear red. Share a story. Honor a hero. Together, we can ensure that every service member knows they are seen, remembered, and deeply appreciated.
a sweet dream realized in saegertown
A place where memories are made, and dreams come full circle.
What do soft serve, homemade chili, and a 33-year -old love story have in common? You’ll find them all at this Saegertown favorite!
There’s something magical about a hometown ice cream stand—the kind of place that holds first dates, post-game celebrations, and summer night traditions. For Joe and Cami Egli, that magic became much more than a memory—it became a dream come true.
In the summer of 2024, mid-season and with hearts full of hope, Joe and Cami officially became the new owners of the beloved ice cream spot in Saegertown they once visited as young sweethearts. “We used to go on dates here,” they shared. “Owning it has always been a dream of ours. Here’s to never giving up on a dream.”
Today, that dream is alive and well, scooping up memories for a whole new generation of families, friends, and first loves. Under Joe and Cami’s care, the ice cream stand has kept its classic charm while expanding its menu to offer something for everyone. Whether you’re craving a swirl of soft serve, a rich milkshake, a towering sundae, or a specialty flurry packed with your favorite mix-ins, you’re sure to leave with a smile (and maybe a little ice cream on your nose). For those looking for something savory, the full food menu includes made-to-order baskets, sandwiches, appetizers, and rotating daily specials. Their homemade chili and coleslaw have already earned a loyal fanbase.
The Eglis’ passion goes far beyond just great food. They’ve embraced their role as community cheerleaders, investing in Saegertown with open arms. In less than a year, they’ve supported softball teams, participated in trunk-or-treat events, donated to several causes, and backed the Saegertown Cash Bash. This summer, they hope to kick off a community can drive, and their occasional BBQ nights are quickly becoming one of the town’s most looked-forward-to traditions.
What makes their story even sweeter is the way it all feels full-circle. From teen dates under the glow of the order window to now owning that very spot—Joe and Cami are a living reminder that some dreams are worth waiting for. And while the menu may be filled with cold treats, it’s clear that what they’re serving up most of all is warmth, kindness, and a whole lot of community pride.
So next time you’re nearby, swing by, grab a cone or a basket, and take a moment to soak in the smalltown magic—because at this special corner of Saegertown, dreams really do come true.
why do credit unions talk funny?
Why Do Credit Unions Talk Funny?
Credit unions offer many of the same services you find at other financial institutions, but sometimes use different words to describe familiar activities. It’s all part of what makes credit unions significantly different from other financial service providers.
Your credit union savings represent your “share” in the financial cooperative, which is what a credit union is. Thus, you have a share savings account, or, for a fixed-term account, a share certificate account. And if you have an account you use, for example, to pay bills and daily recreation, you have a share draft account, so named because you’re able to draw on your shares. In all respects, these accounts work the same way that savings, certificates of deposit, and checking accounts work at other financial institutions.
Dividends are the share of earnings ONE Federal Credit Union distributes to shareholders— members. Fees and borrowing rates are lower, and savings rates higher, because credit unions are not-for-profit financial cooperatives. Profitdriven financial institutions like banks must make money to pay stockholders in proportion to their holdings. All credit union members benefit from
the credit union’s financial success, but bank income bypasses customers to pay a limited number of stockholders.
Your credit union shares are backed by share insurance up to $250,000. And ONE Federal Credit Union undergoes rigorous examination to assure sound operation and management. ONE received its operating charter — permission to do business and the rules it must observe — from the National Credit Union Association in 1949. The directors and management comply with the charter and also with the credit union’s own bylaws. These are rules that members and directors adopt to define the credit union’s field of membership (who’s eligible to join), set the par value of shares, and describe common credit union functions.
Now that we’re all speaking the same language, call 814.336.2794 or visit www.onefcu.com for information about membership or financial services—on your terms, of course!
Strenghtening Local Economies & Empowering Communities
PENNSYLVANIA CREDIT UNION IMPACT
Credit Unions Drive Pennsylvania’s Economy
By creating thousands of jobs, generating billions of dollars in economic output, and billions in tax revenues for state and federal governments, credit unions have a high positive impact on local economies.
PA Credit Union Members
Paid $76.4 Billion in Taxes in 2023
32k jobs created in 2023 $8 billion economic output generated $914 million tax revenue paid in 2023 Total Tax Revenues 2018-2023: in federal taxes $2.5 billion in state taxes $1.9 billion $4.4 billion
Credit Unions Deliver More Value Than Their Tax Status
Credit unions deliver billions of dollars in financial benefits to members and nonmembers through lower loan interest rates and higher saving yields, and fewer and lower fees.
$9.4 billion total benefits 2008-2024 9.3x total benefits-to-tax ratio in 2024
As nonprofit, member-owned institutions all credit union profits are delivered to members—not stakeholders.
For every $1 in taxexempt status... PA credit unions return $9.30 in member benefits
summertime adventures await!
Earn more for your summer plans with the ONE VISA Platinum Rewards Card!
Hey, summer’s here, and we know you’ve got big plans. So why wait? Don’t just daydream about your next getaway—make it happen! Whether you’re taking a spontaneous trip to the beach, revamping your home, or enjoying a fun night out with friends, the ONE VISA Platinum Rewards Card has your back!
Why settle for average when you could have amazing? According to Forbes’ latest report, the average credit card interest rate is a whopping 28.70%. Yikes! But with ONE Federal Credit Union, you’ll enjoy an interest rate that’s as low as 10.50%—and it’ll never go higher than 18%. That’s a serious savings boost!
And it gets even better. Every time you swipe your ONE Visa Platinum Rewards Card, you’re racking up reward points. Whether you’re shopping for stylish new sunglasses, treating yourself to a fantastic meal at a trendy restaurant, or extending your vacation by one more night (you deserve it!), you’ll earn rewards with every purchase. Who knows? You might just have enough points for a whole other vacation by the end of the summer.
But wait, there’s more! When you’re out having fun, the ONE VISA Platinum Rewards Card also has your back with 24/7 fraud monitoring. No need to stress over scams or suspicious activity—your card is protected, so you can spend safely and confidently, all summer long.
Got an existing credit card balance that’s been weighing you down? Time to break free! With fee-free balance transfers, you can transfer that high-rate debt to your ONE Visa Platinum Rewards Card and start saving big each month.
This summer, take a break from the ordinary, and make the extraordinary happen with the ONE VISA Platinum Rewards Card. Because banking with ONE isn’t just about savings—it’s about making life more fun!
Review Your Financial Situation Regularly
financial snapshot: SLOW & STEADY review your financial situation regularly
To stay in good physical health, most people get a medical check-up on a regular basis. To keep your finances manageable, they need a regular check-up as well. It’s particularly important to review your finances if there have been changes to your life in the past year – things like a change in income, marital status, any medical emergencies, or if you’ve had a baby.
What should you be looking at specifically? Are your expenses exceeding your monthly income? – Create a budget and track your monthly expenses. Are you spending more than you bring in? Are you using credit cards to support your lifestyle? If your expenses are getting out of control, use the budget to determine where you need to rein in your spending. Consider using cash or your debit card for your entertainment expenses or luxuries instead of a credit card.
Credit Card debt – Ideally, you should pay off the balance in full each month. If you cannot, try to keep your balance less than 30% of your total credit amount. To control your credit card expenses, give yourself a 24-hour rule: If you see something you want to buy, give yourself 24 hours before purchasing it and see if you still need it.
Emergency fund – Do you have one? If not, consider starting one, depositing a specific amount into that account with each paycheck. Start by putting at least 1% of each paycheck into an emergency fund and aim to save enough to cover 3 to 6 months of household expenses. This will provide you with peace of mind in the event of a sudden loss of income or a major repair bill. You can easily open a savings account to start your emergency fund through our website www.onefcu.com or by coming to our branch and talking to one of our team members.
The first quarter of 2025 has been marked by a steady and stable rate environment. We’ve maintained our higher-than-usual deposit rates, which has contributed to significant growth in our assets. Liquidity remains strong, thanks to the continued strength in deposits. While there has been no change in the Fed Funds rate, discussions continue around potential future adjustments.
On the lending side. we’ve seen consistent year-over-year growth, further strengthening our balance sheet. As our charter expands, we expect these positive trends to continue. With this growth, we’re becoming less sensitive to rate fluctuations, which enhances the stability and resilience of our financial position. Ultimately, these factors work together to reinforce the safety and soundness that we’ve always committed to providing our members.
