Congratulations to our 2019 Scholarship Winners!

We are pleased to announce Armco Credit Union awarded

$10,000 in scholarships to 20 high school seniors. The students were selected for their academic and extracurricular achievement. Students attending college as well as vocational schools were eligible.

This is the second year the Credit Union has provided higher education scholarships to members’ families.

The recipients and their guests met for an award ceremony luncheon, and students were presented with a certificate by Ralph Boosel, Board of Directors President.

Watch upcoming newsletters for details on future scholarship opportunities!

NEW MasterCard Debit Card

We will soon begin sending 14,000

new MasterCard debit cards over the course of an 8 week period. The new card offers more security and greater value to our

members. We thank you for your patience during this process.

During the process, please be aware of the following…

• You will first receive a letter alerting you to watch the mail for your new debit card. It will also outline all the features of the new card.

• The actual debit card will be sent in a separate mailing. Please note it will arrive in a plain and unmarked envelope for security reasons.

• Before you use the new card, you will need to activate it by calling the number on the sticker located on the front of the card.

• If you have any reoccurring payments scheduled, remember to notify mer-chants once you activate the new card.

If you experience any issues with your card activation, please contact our phone center at 724-284-2020 and select menu option 8 during our business hours.

Front L-R: Andie Arblaster, Moniteau High School; Taylor Shene, Solon High School; Stephanie Pogue, Butler Area High School; Anna Kaufman, Butler Area High School; Ashton Huff, Moniteau High School; Sierra Nagy, Slippery Rock Area High School; Elizabeth Adams, Armstrong High School; Madisyn Clark, Moniteau High School

Back L-R: Tyler McFadden, Moniteau High School; Ryan Hinchberger, Slippery Rock Area High School; Shannon Clontz, West Allegheny High School; Marissa Slupe, Portersville Christian School and Colleen Marsili, Springdale High School.

Not pictured: Emily Fox, Lenape Technical School; Madalyn Fry, Butler Area High School; Carolyn Kelly, Moniteau High School; Aneisa Klingensmith, Evangel Heights Christian Academy; Kyle Pfabe, Butler Area High School and Emily Sarver, Slippery Rock Area High School. 4000 1234 5678 9012

John Q. MEMBER

Published for the Members of Armco Credit Union Fall 2019

ARMCOCREDIT UNION

Our office is pleased to announce that we are growing. MEMBERS Financial Services Program

has added another full-time advisor along with another full-time coordinator to help us serve you better.

The MEMBERS Financial Service Program located at:ARMCO CREDIT UNION101 Hollywood Drive, Butler, PA 16001

As a team, we’re here to assist you with:• 401 (k) / Pension Rollovers* • Education Funding • Life Insurance• Retirement Planning • Mutual Funds • Wealth Management

We Are Growing!

*Prior to requesting a rollover from your employer sponsored retirement account to an Individual Retirement Account, (IRA), you should consider whether the rollover is suitable for you. There may be important differences in features, costs, services, withdrawal options and other important aspects between your employer sponsored retirement account and an IRA. Securities sold, advisory services offered through CUNA Brokerage Services, Inc. (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. +CRPC® is a registered service mark of the College for Financial Planning®. FR-2699853.1-0819-0921

Charles E Headley, CRPC®† Joe Motisi Vice President, Wealth Management Associate Financial Advisor 724.284.2020, Ext. 1022 724.284.2020, Ext. 1023 Fax 608.236.6197 Fax 608.236.6473

Jennifer Fletcher, CRPC®†Sales Assistant

724.284.2020, Ext. 1024Fax 608.236.7112

Lori Meredith Olivia Richardson Coordinator Coordinator 724.284.2020 Ext. 1500 724.284.2020 Ext. 1030

Membership Account Agreement UpdateAn updated membership agreement was enclosed with the mailing of this newsletter. You may also view the agreement online at ArmcoCU.com/about-armcocu/policies-disclosures. The update will be effective Nov. 15, 2019.

Electronic Funds Transfer Disclosure UpdateTo better protect our members, we have updated the amounts that you can transfer using Tele-R-Phone, Online Banking and Mobile Banking. The new limits will be effective Nov. 15, 2019. To view the entire EFT Disclosure, please visit our website at www.armcocu.com/about-armcocu/policies-disclosures.

Paragraph 1c - Tele-R-Phone- There is no limit to the number of inquiries or transfers you may make in any one (1) day.- You may make up to $25,000.00 in withdrawal requests in any one (1) day.

Paragraph 1f - Online BankingThere is no limit to the number of inquiries you may make in any one (1) day. For transfers or withdrawal requests, you may request up to $25,000.00 in any one (1) day.

Paragraph 1g - Mobile BankingThere is no limit to the number of inquiries you may make in any one (1) day. For transfers or withdrawal requests, you may request up to $25,000.00 in any one (1) day.

ChristmasClubAccounts

If you contributed to a Christmas Club account this year, funds will be transferred on October 15 to your designated account.

Don’t have an account?Automatically set aside money each month while accruing interest on the account. We will then transfer your funds to your account in October so you have plenty of time to shop for the holidays. Stop in to any of our branches and our friendly staff will be happy to set up an account for you.

Get Ready for the Holidays!

Term (months) APR* Auto

2017-2019 0 – 36 2.50% 37 – 60 2.75 61 – 72 3.252016 0 – 60 3.25 61 – 72 3.752015 0 – 60 3.752014 0 – 54 3.752013 0 – 48 4.002012 0 – 48 4.50 2011 & older 0 – 36 4.50

Home Equity1st Lien 0 – 60 3.37%(0-85% LTV) 61 – 84 3.59 85 – 120 3.81 121 – 180 4.29 181 – 240 4.542nd Lien 0 – 60 3.87(0-85% LTV) 61 – 84 4.34 85 – 120 4.31 121 – 180 4.80 181 – 240 5.042nd Lien 0 – 60 7.63(85.01%-100% LTV) 61 – 84 7.84 85 – 120 7.82 121 – 180 7.80 181 – 240 8.29Line-Of-Credit (with fixed rate option) 5.25

APR reflects $150 Origination Fee on $50,000 loan amount. Minimum Home Equity loan amount is $5,000.

Mortgage Call or view website for rates

Other Collateral 0 – 36 11.25%

PersonalSavings Secured 0 – 60 2.25%Signature 0 – 42 11.00%Line-Of-Credit 10.50VISA 11.75

Recreational VehicleNew 0 – 60 6.50% 61 – 84 6.75 85 – 120 7.00Used 0 – 48 7.00 49 – 84 7.50

Student (CU Student Choice) As low as 7.50%

DIVIDEND RATESAvg. Daily Balance Rate APY**

Savings & IRA Savings1

0.01 - 10,000 0.25% 0.25% 10,001 - 25,000 0.35 0.35 25,001 - 50,000 0.45 0.45

50,000.01 - above 0.50 0.50

Checking 0.01 – above 0.15% 0.15%

Christmas Club1

0.01 – above 0.25% 0.25% Certificates2 Call or view website for rates

IRAs2 Call or view website for rates

Rates as of September 1, 2019.

All information subject to change or correction at any time.*Annual Percentage Rate (APR) **Annual Percentage Yield (APY)1Dividend compounded monthly, credited monthly on average end of day balance. No dividend paid on accounts closed during the month, except Certificates and IRAs.2Certificate and IRA rates are subject to change up to the time of purchase or renewal. Normal rate changes will be made on Wednesdays. Certificates, IRAs, and Christmas Clubs subject to penalty for early withdrawal.

Federally insured by NCUA

Do you have some additional holiday expenses this year? Avoid high rate credit cards and consider a holiday loan instead.

Our Holiday Loan has a low 9.5% fixed annual percentage rate (APR) and comes with a 12-month term so your loan will be paid off by next year’s holiday season! Payroll deduction or automatic transfer from your Armco CU checking account can make paying for your loan easy and simple.

Take Advantage of our Holiday Loan SaleNovember 1 – December 31, 2019

Ho Ho Ho Holiday Loan

LOAN RATES

LOAN AMOUNT PAYMENT

$ 500 $ 44

$1,000 $ 88

$1,500 $132

$2,000 $176

$2,500 $220

Share the Holiday SpiritHoliday Money Envelopes Benefit CharityGiving the gift of cash this year? Choose one of our six holiday-themed money envelopes to present your cash gift. Cost is 25 cents per envelope and all proceeds benefits the Butler County Children & Youth Agency. Holiday money envelopes will be available starting November 25 at all of our branch locations.

Annual Toy DriveHelp spread holiday cheer to less fortunate local children and teens this holiday season! Starting November 29, we will once again collect toys to be distributed to the Butler County Children & Youth Agency. To donate, bring new, unwrapped toys for children or gift cards for teens to any of our branch offices. All donations are greatly appreciated.

Need a gift for the person who has everything? Holiday gift giving has never been easier than giving a Visa Gift Card! The gift cards are available in amounts from $10 to $1,000 and are widely accepted in the United States. Stop by any branch to purchase with check or cash. The cost is $2.50 per card.

Deck The Hallswith these great options...

Holiday Gift Cards

Simply answer the following questions, then detach the form and return to any branch location. Entries must be received by Friday, Nov. 1. Winners will be selected randomly. You must be a member to win. Scanned copies of the newsletter contest will not be accepted.

Congratulations to our Summer 2019 newsletter winners: Karen Wehr,

John Roessing, and Dave Zarnick.

1. My new Mastercard debit card will arrive in a _____________________ and _____________________ envelope. Before using the new card, I must ________________________ it by calling the number on the sticker located on the front of the card.

2. If you use our mobile app on your smartphone, what features do you use? o View Balance o Remote Check Deposit o Pay Bills o Transfer Funds o Other o I don’t use the mobile app

3. If you don’t use our mobile app, what prevents you from giving it a try? o Don’t have a smart phone o Don’t trust security o Complicated to use o Prefer personal service at a branch o Prefer online banking o Other

Holiday Closings

All Armco CU branches will be closed to observe the holidays but our ATMs, Online Banking, Mobile Banking and Tele-R-Phone are always open 24/7 for your convenience!

Columbus DayMonday, October 14, 2019

Veterans DayMonday, November 11, 2019

ThanksgivingThursday, November 28, 2019

ChristmasWednesday, December 25, 2019

New Year’s DayWednesday, January 1, 2020

We wish you a happy, healthy and peaceful holiday season!

~ Armco CU Board, Staff and Management

MAIN OFFICE HOURS: Monday, Tuesday, Wednesday

9:00AM - 4:30PMThursday & Friday 9:00AM - 6:00PM

(Branch Hours Vary)

CONTACT US:Main Office - 724-284-2020

BC3 Campus - 724-431-4702Karns City - 724-756-6700

Mars - 724-779-9090 www.ArmcoCU.com

Welcome to the Armco CU FamilyWe would like to welcome the following new Sponsor Organizations to our field of membership.

Butler Gymnastics Club, Inc. • ButlerSpecialty Precast Company, Inc. • Prospect

Tai Pei, Cranberry, LLC • Cranberry Twp.Everdry Waterproofing of Pittsburgh • Evans City

Help us expand our field of membership! Invite your friends and family to join Armco CU. Remember, we are not like a bank that generates profits for shareholders. Our profits are returned to our members in the form of lower loan rates, higher savings rates and lower/fewer fees!

If you own a business, remember you can offer credit union membership as an employee benefit. It’s totally free to you as an employer and compliments your benefits package, enabling you to compete for the best talent. For more information, contact our marketing dept. at 724-284-2020 ext 1046.

Name ___________________________________________________________________________________________________________

Address __________________________________________________________________________________________________________

Daytime Phone _________________________________ Account Number ________________________________________________

Newsletter ContestEnter to win one of three $25 Gift Cards.