Spring 2026 Newsletter
WHAT’S INSIDE?
- Holiday Closings
- Spring is Here
- Refer a Member Winner
- Update Your Information
- Annual Meeting
- Best in the Industry
- Family Fun
- No Fee Gift Cards
- Scams
SPRING IS HERE AND IT’S TIME FOR HOME RENOVATIONS AND IMPROVEMENTS
Spring is a popular time for home renovations and improvements. Our Home Equity Line of Credit, is the perfect way to help you get the job done. At 4.75% APR, you will be hard pressed to find a better loan than ours.
The current national average rate is 7.20% APR. Our loan offers you the flexibility to borrow as needed to fund your projects or purchases in stages. There is a one-time application fee and no annual fees. Call, click or stop by and get your projects started now.
HOLIDAY CLOSINGS
- Monday, May 25th, 2026
- Memorial Day
- Friday, June 19th, 2026
- Juneteenth
BE AWARE! THESE ARE THE TOP SCAMS IN 2026
AI VOICE CLONING & DEEPFAKES: Scammers use AI to mimic the voices of loved ones, creating fake emergencies (e.g., “I’m in jail,” “I’ve been kidnapped”) to demand immediate money.
PIG-BUTCHERING (ROMANCE/INVESTMENT) SCAMS:
Fraudsters build trust through dating apps or social media, then persuade victims to invest in fraudulent cryptocurrency platforms.
BANK IMPOSTER & “SAFE ACCOUNT” SCAMS:
Scammers pose as bank fraud department employees, notifying victims of a fake transaction, then instructing them to move money to a “secure” account, which is actually the scammer’s.
GOVERNMENT IMPOSTER SCAMS: Impersonators claim to be from the FTC or FinCEN, alleging the victim is involved in money laundering or owes taxes, demanding, instant, untraceable payments.
OTP BOT SCAMS: Scammers use automated bots to trick people into revealing One-Time Passwords (OTPs) to bypass 2-factor authentication.
COMMON RED FLAGS
URGENCY: High-pressure tactics forcing quick, unverified decisions.
UNUSUAL PAYMENT METHODS: Requests for gift cards, wire transfers, or cryptocurrency.
ISOLATION: Demands to move conversations to encrypted apps like WhatsApp or Telegram.
HOW TO PROTECT YOURSELF
VERIFY INDEPENDENTLY: Hang up and call the company, person or credit union directly using a trusted number, not the one provided in a text or call.
ENABLE ALERTS: Set up AFCU notifications for transactions over a certain amount (e.g., $100).
REPORT PROMPTLY: Report scams to the Federal Trade Commission. Federal Trade Commission (www.ftc.gov) The world is moving faster than ever.
Be alert, stop and think and reach out to us for questions or help. Your credit union is here for you!
FAMILY FUN
Earth Day
Since 1970, the world celebrates Earth Day on April 22nd – an opportunity for families to show appreciation for the environment. Start by clipping newspaper articles and noting local observances.
Of the many options, choose one as your family’s cause, whether it is reclaiming a park, combating graffiti, or planting trees, and set aside time to work on it during this week. Visit EarthDay.org to learn more about Earth Day.
NO FEE VISA GIFT CARDS
Starting on May 1st thru June 30th, 2026, we will be offering no fee VISA gift cards.
The normal $3 fee is being waived for this limited time.
What a great gift for Mother’s Day, Father’s Day and Graduations. Why fret over getting the “perfect” gift. Let the special people in your life get what they really want. They are available at all of our offices.
PLEASE UPDATE YOUR INFORMATION
It is imperative that your address and phone numbers are kept up to date with us. In order for our security services to contact you regarding potential fraud on your debit and credit cards we must have good phone numbers.
Failure to update your information will result in your cards being frozen until we can find a way to contact you. Help us help you.
71st Annual Meeting Held
Your credit union held its 71st annual meeting on March 11th, 2026, at The Club at Twin Lakes.
Attendees learned that their credit union is doing well and is being operated in a safe and sound manner.
Congratulations to Ron Fulmer, Ken Kline and John Nyemscek for their re-election to the Board of Directors.
Thank You to all of the Board and Committee members who volunteer their time and efforts to make the credit union a great place to do business.
ONE OF THE BEST IN THE INDUSTRY
We are very pleased to inform you, for the third consecutive year, your credit union has been rated among the top 500 regional banks and credit unions in the United States. This rating is based on numerous financial metrics and from member feedback obtained by a leading consumer research firm. Thank you for helping us get there. Theres no time to rest on our laurels. We have much more to do to provide excellent value and service for our members.
He received a $250 VISA Gift Card. Every quarter we select one random member who refers a new member to Allentown FCU. Refer a family member, friend or coworker who is eligible to join AFCU and you could be our next Refer a Member Winner!
OUR LOCATIONS
Business Park Office
510 Business Park Lane
Allentown PA, 18109
(610) 439-4102
Hours:
Monday – Friday
9:00 am – 5:00 pm
East Side Office
2115 Hanover Ave.
Allentown PA, 18109
(610) 820-8440
Hours:
Monday – Friday
9:00 am – 5:00 pm
Parkway Office
1325 Oxford Drive
Allentown PA, 18103
(610) 791-2376
Hours:
Monday – Friday
9:00 am – 5:00 pm
St. Luke’s Office
801 Ostrum Street
Bethlehem, PA 18015
(484) 526-4555
Hours:
Monday, Thursday, Friday
9:00 am – 5:00 pm
Current Share and Loan Rates (as of April 1st, 2026)
Share Rates
| Account Type | Rate | APY* |
|---|---|---|
| Regular Shares (001) | 1.50% | 1.50% |
| New Kid Shares (001) | 1.50% | 1.50% |
| Christmas Club (008) | 1.50% | 1.50% |
| Other Savings (009) | 1.50% | 1.50% |
| Vacation Club (156) | 1.50% | 1.50% |
| Tax Savings (157) | 1.50% | 1.50% |
Loan Rates
| Loan Type | Term | APR |
|---|---|---|
| Shares Pledged Up to $10,000.00 (Regular Shares Only) | 36 Months | 4.00% |
| 48 Months | 4.50% | |
| 60 Months | 4.99% | |
| New Car 2026/2025 (Never Titled) | 36 Months | 4.99% |
| 48 Months | 5.25% | |
| 60 Months | 5.25% | |
| 72 Months | 5.50% | |
| Used Car 2021–2025 | 36 Months | 4.99% |
| 48 Months | 5.25% | |
| 60 Months | 5.25% | |
| 72 Months | 5.50% | |
| Used Car 2017–2020 | 36 Months | 5.50% |
| 48 Months | 6.00% | |
| 60 Months | 6.50% | |
| Older Used Car 2016 and Older Term is at the discretion of the credit union based on credit and age of car |
Up to 60 Months | 7.50% |
| New RV 2026 or 2025 (Not Titled) | 84 Months | 6.50% |
| 96–120 Months | 7.50% | |
| Used RV 2021/2025 | 84 Months | 6.50% |
| 96–120 Months | 7.50% | |
| Used RV 2020 Older | 36-84 Months | 7.50% |
| 96–120 Months | 8.50% | |
| Home Equity Fixed or Balloon Notes | 60 Months | 4.94% – 5.49% |
| Home Equity Line of Credit | Revolving | 4.75% |
| Signature Loan | 36 Months | 8.99% |
| 48 Months | 9.49% | |
| 60 Months | 9.99% | |
| Variable Rate Signature Line of Credit | Revolving | 9.99% |
| Visa® Credit Card | Revolving | 12.90% |
*Denotes Annual Percentage Yield
Interest rates are subject to change without notice.
Refinance
- Under $100,000.00 – $225
- Over $100,000.00 – $525
- New Purchases over $100,000.00 – $425
| FACTS | WHAT DOES ALLENTOWN FEDERAL CREDIT UNION DO WITH YOUR PERSONAL INFORMATION? |
|---|---|
| Why? | Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires that we tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. |
| What? |
The types of personal information we collect and share depend on the product or service you have with us. This information can include:
|
| How? | All financial companies need to share members’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their members’ personal information; the reasons Allentown Federal Credit Union chooses to share; and whether you can limit this sharing. |
| Reasons we can share your personal information | Does Allentown Federal Credit Union share? | Can you limit this sharing? |
|---|---|---|
| For our everyday business purposes – such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or to report to credit bureaus | Yes | No |
| For our marketing purposes – to offer our products and services to you | Yes | No |
| For joint marketing with other financial companies | Yes | No |
| For our affiliates’ everyday business purposes – information about your transactions and experiences | No | We don’t share |
| For our affiliates’ everyday business purposes – information about your creditworthiness | No | We don’t share |
| For our affiliates to market to you | No | We don’t share |
| For nonaffiliates to market to you | No | We don’t share |
| Questions? | Call toll-free (610) 791-2376 or go to https://www.allentownfcu.com/. |
| Who We Are | |
|---|---|
| Who is providing this notice? | ALLENTOWN FEDERAL CREDIT UNION |
| What we do | |
|---|---|
| How does Allentown Federal Credit Union protect my personal information? | To protect your personal financial information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer security safeguards and secured files and buildings. |
| How does Allentown Federal Credit Union collect my personal information? |
We collect your personal information, for example, when you
|
| Why can’t I limit all sharing? | Federal law gives you the right to limit only
|
| Definitions | |
|---|---|
| Affiliates | Companies related by common ownership or control. They can be financial and
nonfinancial companies.
|
| Nonaffiliates | Companies not related by common ownership or control. They can be financial and
nonfinancial companies.
|
| Joint marketing | A formal agreement between nonaffiliated financial companies that together market
financial products or services to you.
|
| Other important information |
|---|
Allentown Federal Credit Union provides links to web sites of other organizations in order to provide visitors with certain information. A link does not constitute an endorsement of content, viewpoint, policies, products or services of that web site. Once you link to another web site not maintained by Allentown Federal Credit Union, you are subject to the terms and conditions of that web site, including but not limited to its privacy policy.