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Is Your "Free" Checking
Really Free?
Many banks and financial institutions offer "free" checking accounts. But when you look closer, you'll find that they're not really free.
- Opening Balance - Just to OPEN a checking account, you need a minimum deposit ranging from $25 (PNC, Bank of America) to $100 (Wachovia, Citibank). With the Credit Union, all you need is your $5 minimum in your Share Savings Account.
- Monthly Maintenance Fees - Many banks will charge you a monthly maintenance fee if you don't maintain a minimum balance, even with their "free" or basic checking products. We don't!
- ATM Fees - Even if the ATM you're using doesn't carry a surcharge, you could still be charged a fee by your bank. Some banks limit the number of your ATM and PIN-based transactions on a monthly basis and charge extra for exceeding that limit. We don't!
Before you open a checking account, make sure to do your homework. Allentown FCU's Checking Account is absolutely FREE. Switch your checking account to us today and start saving money! We've made it easy for you to make the switch.
NEW!!!! Switch Kits Now Available for
Your Convenience
Get the Most Out of Your VISA® Check Card
Daily Purchases
When you pay for purchases with VISA® Check Card, you get the convenience of cash with the security of a credit card. Use it to pay for everyday items, larger purchases, or to make ATM withdrawals.
Added Protection
By carrying around a VISA® Check Card, you receive added identity protection. Verified by VISA® protects VISA® card
numbers against unauthorized use online. This service enhances your existing card with a personal password you create. To protect your card, log onto www.usa.visa.com, and in just a few minutes you can register your card and start shopping safely online.
Rewards Points
When you use your Allentown FCU VISA® Check Card, you'll earn at least one Reward point for every dollar spent! Points can be redeemed for travel, entertainment, and more. Browse through rewards at www.awardscatalog.com, or log in to your account at www.selectyourrewards.com/
AllentownFCU.
Surcharge-Free ATM Access
Don’t forget – you can access your money at 38,000+ surcharge-free ATMs
nationwide with your Allentown FCU VISA® Check Card. Just look for the
Allpoint logo. Allentown FCU-owned surcharge-free ATMs can also be found
around town. Go to our ATM page for a complete list.
New Fuel Economy
Web site
The U.S. Department of Energy (DOE) and U.S. Environmental Protection Agency (EPA) have developed the fuel economy Web site, www.fueleconomy.gov. The Web site contains an electronic version of the fuel economy guide and features updated fuel economy data for new and used passenger vehicles dating back to 1984, allows side-by-side vechile comparisons, and offers fuel saving-tips.
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Make the Switch to an Allentown FCU Mastercard™
With the CARD Act now fully implemented, you might have noticed some changes being made by your credit card issuers. In order to recoup some of the losses they're expecting, many financial institutions have jacked up interest rates (or made rates variable), implemented annual fees, and are starting to charge an inactivity fee.
Allentown FCU's Mastercard™ program hasn't changed!
Now is the perfect time to switch to a credit union credit card. Our Mastercard™ offers:
- No Annual Fees
- No Zero Balance Fees
- No Balance Transfer Fees
- No Hassle
- FREE Scorecard Rewards
Because we've always operated with our members in mind, there's no need to change our credit card policies. We'll always carry a low rate, and you can rest assured that our service is still the same, excellent care you've come to expect from us. Apply for your Allentown Mastercard™ today!
Coming Soon – Real Time ATM Transactions!
Soon, you'll be able to see your transactions in real time. Allentown FCU will be upgrading our internal ATM systems to improve your personal banking experience. Check back with the Credit Union and our website at for updates.
We Have Money to Lend!
Whether you're looking to get a new car, remodeling your home, or planning a vacation, we have what you are looking for – MONEY!
New & Used Auto Loans
Home Equity Loans & Lines of Credit
Vacation Loans • Personal Loans
Drop Your Auto Loan Rate
If you've financed a new or used vehicle within the past few years and are currently making payments on your loan, bring it to Allentown FCU! Our rates may be lower than what you're paying now, saving you money when you refinance with us. For a list of current rates, see our Loan Rates page.
All our loans have great rates, offer a variety of terms and have convenient repayment options. Decisions are made right here within the Credit Union by
people you know and trust. Go to our Applications page or talk to one of our Loan Specialists at the Parkway Office, or call 610-791-2376 for information.
Share Insurance
Coverage Extended
For your protection, the funds in your Credit Union are insured by the National Credit Union Share Insurance Fund (NCUSIF), which is backed by the full faith and credit of the United States Government. The standard maximum insurance amount (SMSIA) was previously $100,000. In 2008, as part of the government's efforts to stabilize the economy, the SMSIA was increased to $250,000 until December 31, 2009.
This year, the "Helping Families Save Their Homes Act of 2009" has extended the time frame for this temporary increase to the SMSIA. The increase to $250,000 is now valid until December 31, 2013.
For more information, visit the National Credit Union Association's web site at www.ncua.gov and download the consumer share insurance tool kit.
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