Armstrong Associates Federal Credit Union

Information may not be reliable

2011 Christmas Club Rate
The dividend rate for 2011 Christmas Club has been declared to be 1.50% APY (annual percentage yield). This is the only rate guaranteed in advance, and will be offered for funds deposited into Christmas Club accounts from October 1, 2010 through September 30, 2011.

Awesome Auto Loan Rates!
Auto loan rates are the lowest they have been in years! Just 3.95% for new autos, and 4.50% for any used auto, model years 2003-2010. The same rates are offered for refinanced loans, so stop in to see if you can save money for your remaining term by refinancing with your credit union. AAFCU also provides a free CARFAX check on all used autos we finance, and special offers and incentives are available to our members through Invest in America and Enterprise Car Sales. Call or stop by with any questions, and you can apply in person or online.

Home Equity Special!
Great rates on home equity loans! 4.50% for 60 months and 5.50% for 120 months. Refinance your current home loans, or consolidate your credit cards or other debts, or take advantage of this low rate to make home improvements! Visit any office location to discuss the possibilities, or to apply.

Cell Phone Do Not Call List
Cell phone numbers are not subject to marketing or solicitation calls. However, sometimes you get calls anyway! If you would like to add your cell phone number to the national Do Not Call list, the phone number to do that is 1-888-382-1222. It will take a few days to take effect and stop your unwanted calls.

Checking balances at an ATM
There are quite a few regulatory changes taking place. Because we already complied with nearly all of the improvements, you won't notice many changes. One of the ones you will notice is when you visit an ATM to check your current balance. Regulation DD requires that an inquiry at an ATM cannot include any funds that are in an account separate from your checking, but could be used to cover any overdrafts. So if you check your balance at an ATM, the only information available will be your current balance in your share draft checking account, not your savings. If you want to check your savings balance, you can do so by using tellerline, virtualbranch, or by calling or visiting any of our locations.

If your Visa credit or debit card is lost or stolen, contact AAFCU immediately to protect yourself from financial loss! If our offices are closed, report the loss to Visa directly. For debit cards, call 1-800-991-4965. For credit cards, call 1-800-991-4961.

Protection for your AAFCU Visa
To help protect you from credit or debit card fraud, your credit union provides you with enhanced fraud protection. If your credit or debit card transaction appears to fall outside of your usual spending pattern, an alert is created. A fraud analyst or automated voice system will then contact you, using the contact numbers in our data system, to verify whether you authorized this transaction which does not fit your historical card spending behavior. Part of the verification will be to ask you to confirm the last 4 digits of your social security number on file. If we are not successful in contacting you, a decision will be made on your behalf to block future transactions until you can be reached for confirmation. It is extremely important that we have your most up to date phone numbers. This is part of our ongoing efforts to provide you with the best protection available for your AAFCU credit/debit cards. On your next visit to our office, please confirm that the numbers we have on file are correct so that we can reach you quickly. If you receive a call of this nature and you have any concerns at all, please don't hesitate to call and talk with us.

Please plan ahead so that you will not be inconvenienced. Surcharge-free ATMs will be available at two locations: the West Hills branch, 92 Glade Drive and the Elderton branch, 11256 Route 422 East in Elderton. You can also use your AAFCU Debit/ATM card surcharge-free at any ATM with the CO-OP NETWORK logo. You may choose to use your AAFCU card at other ATMs; while we will not charge you a fee, the owner of the ATM may charge you a fee to use their machine.