Share Savings Account

When you open a share savings account, you open a world full of low-cost products and services that we have to offer.

  • $5 minimum balance required

  • We accept both direct deposit and payroll deduction (with employer participation)

  • Dividends paid quarterly

To open a new account, we require the individual to visit one of our locations in person. Should a person have concerns about this requirement, your Chat staff can refer them back to us and we will take care of them to the best of our ability.

Your savings are federally insured to at least $250,000 by the National Credit Union Administration and backed by the full faith and credit of the United States Government.

Share Certificates

  • Available in 6, 12, 24, 36 or 60-month terms

  • Minimum deposit of $500

  • Monthly dividend check available (requires a minimum deposit of $5,000)

Your savings are federally insured to at least $250,000 by the National Credit Union Administration and backed by the full faith and credit of the United States Government.

Christmas Club Account

  • No minimum balance

  • No requirements on how much or how often you deposit

  • Withdrawal restrictions apply

  • Dividends paid annually

  • Funds are automatically transferred to your share savings account on October 1

Your savings are federally insured to at least $250,000 by the National Credit Union Administration and backed by the full faith and credit of the United States Government.

Member’s Choice Account

Save for:

  • Taxes

  • Vacations

  • Weddings

  • or pretty much anything!

  • No minimum balance

  • No deposit restrictions

  • Dividends paid quarterly

Your savings are federally insured to at least $250,000 by the National Credit Union Administration and backed by the full faith and credit of the United States Government.

Shared Branch Network

AAFCU is a member of a credit union Shared Branching network, called CO-OP Shared Branch. There are more than 5,000 participating branches across the U.S. and in several foreign countries. You can use any of these credit union shared branches the same as if you were in one of our lobbies, at no cost. You’ll need your valid photo identification and will need to know your account number here at AAFCU.  Basic services such as deposits, withdrawals, and check cashing are available. There is a locator available at co-opcreditunions.org/locator.

Payroll Deduction

With Payroll Deduction, our members can choose to have a portion of their paycheck deposited to their savings account (requires employer participation).

Direct Deposit

Direct Deposit allows our members to have their entire paycheck directly deposited to their savings or checking account (requires employer participation).

Automatic Loan Payment Transfers

Our Automatic Loan Payment Transfers are a convenient way for our members to ensure their monthly loan payment is paid. Transfers can be set up to transfer every month, or when paid.

Secure Night Deposit Box

Ford City and West Hills offices feature a secure Night Deposit Box. Deposits are logged and opened first thing in the morning each working day with two employees to ensure safety and security for our members.

Discretionary Overdraft Privilege

Members in good standing with Armstrong Associates Federal Credit Union may be eligible for Overdraft Privilege on their Share Draft Checking Account. If an eligible member should inadvertently overdraw their share draft checking account, AAFCU has the discretion to cover the overdraft, saving embarrassment and additional fees charged by the merchant. There is no charge for this service unless it is used to cover an overdraft. Members may choose to opt-in to having ATM and everyday debit card transactions also covered by the Overdraft Privilege program. Members may also opt out of this service entirely if they wish by contacting AAFCU. Complete details of this policy are available in any AAFCU branch location, or here. Read the full overdraft policy.

ATM Locations

Your credit union offers a drive-through ATM located at the West Hills Office. If you use your AAFCU credit or debit card, we will not charge a fee for you to use our machine. If you use your AAFCU card at a different machine, the owner of that machine may charge you a fee. If you use a card from another financial institution at our ATM, there will be a fee. There is a locator available at co-opcreditunions.org/locator.