Fall 2026 Newsletter
WHAT’S INSIDE?
- New Branch Office
- Home Banking
- Refer A Member
- Password Reset
- AFCU Credit Card Holders
- International Credit Union Day
- Top 500
- Holiday Cards
- Fraud Reminders
- Night Drops
- Fee Schedule
NEW AFCU BRANCH OFFICE
Now open in Bethlehem Township!
Your Credit Union recently opened a new branch office in Bethlehem Township close to St Luke’s University Hospitals Anderson Campus.
The new branch office is located at 3530 Freemansburg Avenue. We thank you for your patience in getting this location ready for you. The branch office hours are Monday through Friday, from 9:00 am to 5:00 pm. There is a night drop on the west wall of the building. We are continuing to look for opportunities to provide added convenience for our members. Please come by and see us!
HOME BANKING ENHANCEMENTS
For members who utilize our home banking, we have now made all over the counter receipts available to you. Within your home banking session, you can find them under the documents section. Just a reminder you will also find six years of your monthly/quarterly statements and your AFCU VISA Credit Card statements.
HOLIDAY CLOSINGS
- 2026
- Wednesday, November 11, 2026 - Closed
- Veterans Day
- Thursday, November 26, 2026 - Closed
- Thanksgiving
- Thursday, December 24, 2026 - Closing at 12PM
- Christmas Eve
- Friday, December 25, 2026 - Closed
- Christmas
- Thursday, December 31, 2026 - Closing at 3PM
- New Year's Eve
- 2027
- Friday, January 1, 2027 - Closed
- New Year's Day
- Monday, January 18, 2027 - Closed
- Martin Luther King Day
- Monday, February 15, 2027 - Closed
- Presidents' Day
She 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!
MANDATORY HOME BANKING PASSWORD RESETS
For your protection, you will be forced to change your home banking password every one hundred twenty (120) days. The fraudsters are getting better at their craft, and this is just one of the ways to try and reduce your exposure to fraud or an account takeover. Make your password complex to help keep your account safe. AI is being used by the bad guys as well and can make a simple account password easy pickings.
NOTICE TO ALL AFCU ACCOUNT HOLDERS
The Supervisory Committee is performing our required bi-annual account verification. They ask that you check your activity on your September statement for balance and activity accuracy. If you find any discrepancies, please put them in writing to Ken Kline, Jr. Chairman, PO Box 21643, Lehigh Valley, PA 18002-1643.
Responses must be received by 11/15/26.
NIGHT DROPS ARE AVAILABLE FOR YOU
Did you know that we have night drop receptacles at each office for your after-hour convenience? If you can’t make it to one of our offices during normal hours you can drop off paperwork, checks and deposits. Just make sure you identify yourself, account(s) and what you want us to do.
INTERNATIONAL CREDIT UNION DAY
The credit union movement is steeped in a rich history of collaboration across divides. For nearly two centuries, financial cooperatives have encouraged people of every race, gender, and belief to come together and give their all towards the betterment of their communities. It’s always been about people helping people.
We are celebrating International Credit Union Day to reflect on and be thankful for the lives and communities that have been improved by the unique principles and actions of our movement. Visit the credit union on Thursday, October 15th and receive a treat, while supplies last!
NO FEE HOLIDAY GIFT CARDS WILL SOON BE HERE!
Get ready because here they come! From November 2nd through December 31st, the $3.00 VISA Gift Card purchase fee is being waived. Give that special someone the gift they really want. The Holiday VISA Gift card can be used everywhere VISA@ debit cards are accepted (USA). They can be purchased with cash/ existing funds in person at all of our office locations.
Card issued by METABank@, N.A. Member FDIC, pursuant to a license from VISA U.S.A. Inc.
Please note: VISA Gift Cards provide No Cash or ATM access.
VISA DEBIT CARD FRAUD CALL REMINDERS
If you are an AFCU VISA Check Card holder, you may from time to time receive a call from our card processor to verify a transaction is valid. This number will come from Nebraska.
We do not utilize texts for our VISA Check Card fraud alerts. In addition, they/we will never ask for your full card number, expiration date or CVV code. We already have that information. Trust your instincts, if something doesn’t seem right, hang up and call the credit union office. By working together we can help you and the credit union avoid the hassle of fraudulent transactions.
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. There’s no time to rest on our laurels. We have much more to do to provide excellent value and service for our members.
FEE SCHEDULE
Effective January 1st, 2027SHARE ACCOUNT FEES
| One Time Membership Fee | 25¢ |
|---|---|
| Monthly Service Charge | NONE |
| NSF Item | $30.00/item |
| NSF Deposit Item | $15.00/item |
| Reactivation Fee/Close Account (within 1 yr.) | $25.00/acct. |
| Electronic Debits - 6x/month(Overdrafts, ACH Debits) | No Charge |
| Electronic Debits Over 6(Fee(s) will be deducted out of base shares on last business day of the month) | $15.00/item |
DRAFT ACCOUNT & EFT/ACH FEES
| NSF Item | $30.00/item |
|---|---|
| NSF Deposit Item | $15.00/item |
| Share Draft Stop Payment: | |
| Single Draft/In Sequence Order | $30.00 |
| Single Drafts Out of Sequence Order | $30.00/draft |
| Share Draft Copy | $2.00/draft |
| Certified Draft | $10.00/draft |
| Reactivate/Close Draft Account (within 1 year) | $25.00 |
| ACH Stop Payment | $30.00 (1X Stop) |
| Direct Deposits | NO CHARGE |
| Minimum Balance | NONE |
| Monthly Service Charge | NONE |
CLUB ACCOUNT FEES & “EXTRA” SUFFIXES
| Early Withdrawal | NONE |
|---|---|
| Monthly Service Charge | NONE |
| Reactivation Fee/Close Suffix (within 1 year) | $10.00 |
MISCELLANEOUS FEES
| Dormant Account (No activity in acct. within 1 year) | $5.00/month |
|---|---|
| Audio Response | FREE |
| Audio Response Check | $2.00 |
| Online Home Banking | FREE |
| Home Banking Check | $2.00 |
| E-Statements | FREE |
| Mailed Check | $2.00 |
| Blue Checks (Payable to 3rd party) | $5.00 |
| Visa® Gift Card | $3.00 |
| Visa® Travel Card | $5.00 |
| Reload Visa® Travel Card | $3.00 |
| Money Orders | $2.00 per M.O. |
| Wire Transfers (IN) | $10.00/wire |
| Wire Transfers (OUT) | $25.00/wire |
| International Wire (1:00 PM deadline for wires) | $50.00/wire |
| Account Reconciliation & Research (min. 1 hr.) | $20.00/hour |
| Account Printouts | $2.00/month |
| Statement Copy | $3.00/month |
| Address Maintenance (if not notified by member) | $5.00/item |
| Court Order/Garnishments/Writ/Levy | $50.00 |
| Coin Service Fee (Must be wrapped) | 5% of total |
| AFCU Member Check Cashed by Non-Member | $10.00 |
| Signature Guarantee Stamp | $25.00 |
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 October 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 2027/2026 (Never Titled) | 36 Months | 4.99% |
| 48 Months | 5.25% | |
| 60 Months | 5.25% | |
| 72 Months | 5.50% | |
| Used Car 2022–2026 | 36 Months | 4.99% |
| 48 Months | 5.25% | |
| 60 Months | 5.25% | |
| 72 Months | 5.50% | |
| Used Car 2018–2021 | 36 Months | 5.50% |
| 48 Months | 6.00% | |
| 60 Months | 6.50% | |
| Older Used Car 2017 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 2027/2026 (Not Titled) | 84 Months | 6.50% |
| 96–120 Months | 7.50% | |
| Used RV 2022/2026 | 84 Months | 6.50% |
| 96–120 Months | 7.50% | |
| Used RV 2021 & 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 | 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
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 that we collect and share depends on the product or service you have with us. This information can include:
- Social Security Number and account balances
- account transactions and checking account information
- payment history and transaction or loss history
When you are no longer our member, we continue to share your information as described in this notice.
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 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?
Revised 1/2023
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:
- Open an account or apply for a loan
- Make a wire transfer or apply for financing
- Show your driver’s license
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can’t I limit all sharing?
Federal law gives you the right to limit only:
- Sharing for affiliates’ everyday business purposes – information about your creditworthiness
- Affiliates from using your information to market to you
- Sharing for nonaffiliates to market to you
State law and individual companies may give you additional rights to limit sharing.
Definitions
Affiliates
Companies related by common ownership or control. They can be financial and nonfinancial companies.
- Allentown Federal Credit Union has no affiliates
Nonaffiliates
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
- Nonaffiliates we share with can include insurance companies, government agencies, plastic card processors (credit/debit/ATM), consumer reporting agencies, data processors and check/share draft printers
Joint Marketing
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
- Our joint marketing partners include TruStage Insurance and their related companies and Allied Solutions, LLC (Franklin Madison)
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.