Summer 2025 Newsletter
WHAT’S INSIDE?
- Summer Vehicle Loan
- St Luke’s Hours Change
- Update Your Info
- Avoiding Scammers
- Refer a Member Winner
- Windows 10
- Regulation CC Changes
- Be a Member Winner
- Staff Training
SUMMER VEHICLE LOAN SPECIAL
Are you looking for a new or used car or truck? How about a new or used motorcycle, ATV or RV? Our rates are as low as 4.99%. We have loan maturities to help you with your budget. Apply and get pre-approval to make your shopping easier. Why make a dealer rich? Call, apply on-line or stop by. Let us help you get your dream vehicle for less.
HOLIDAY CLOSINGS
- Monday, September 1st, 2025
- Labor Day
- Monday, October 13th, 2025
- Columbus Day
ST LUKE’S BRANCH OFFICE HOURS CHANGE
Effective 7/7/25, the St Luke’s branch office hours located in the pharmacy at 801 Ostrum St in Bethlehem will change. The new hours will be Monday, Thursday and Friday, 9:00 am to 5:00 pm. Tuesday and Wednesday, closed. All other offices hours remain the same, Monday through Friday, 9:00 am to 5:00 pm.
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.
HELPING LOVED ONES TO AVOID THE SCAMMERS
The elderly and vulnerable persons (EVP) are a prime target for cybercriminals and scammers who want to take advantage of them, usually in pursuit of financial gain. In a 2023 Federal Bureau of Investigation (FBI) report, findings showed that losses totaled more than $3.4 billion for elderly victims alone.
Your loved ones may receive emails, phone calls, texts and even letters in the mail informing them they have won a trip, the lottery or a promise of romance that can sway them into believing in the opportunity. Urgent calls seemingly from the IRS, family members in distress or letters stating their home is in foreclosure can cause emotional distress and panic, as can fear, loneliness and greed. Both positive and negative ploys can suspend rational thinking.
Talk to your entire family about the common schemes that cybercriminals employ, which often sound too good to be true. No one is winning anything, getting rich quick or should engage with anyone online that they haven’t met in person.
For elderly and vulnerable family members, it’s important to have this conversation and explain the types of scams specifically targeting them via channels such as phone calls, emails, text, social media and even letters in the mail.
BANK SCAMS – Requests from the “bank” asking for a verification code or a message with a clickable link
SOCIAL SECURITY/IRS/MEDICARE IMPERSONATION SCAM – A claim that there is an issue with benefits or potential fraud, and asking for additional information
SWEEPSTAKES AND LOTTERY SCAMS – Requests for fees or taxes to process the “prize winnings”
FAMILY IN DISTRESS SCAMS – Financial assistance requests to help a loved one who is in danger, injured or in jail
ROMANCE SCAMS – A new online “friend” suddenly needs money for a medical or business crisis
UTILITY SCAMS – Threats to turn off the power because of a missed payment or indication of a “refund”
DELIVERY SCAMS – Requests for information to deliver a package
COMPUTER TECH-SUPPORT SCAMS – Warnings a device is infected with malware with instruction to contact support and provide remote access
CRYPTOCURRENCY AND GIFT CARD SCAMS – Scammers can access and steal money using cryptocurrency and gift cards, though no legitimate business will engage this way
IN ALL THESE CASES, THERE ARE SOME KEY WARNING SIGNS:
- Urgency to act and/or send money
- Pressure to make decisions quickly and not involve family members
- Request for personal or sensitive information (i.e., Social Security number, address, bank account number, etc.)
- It’s important to educate and reassure your loved ones that anyone can be vulnerable to a well-crafted scam. The scams are designed to play an emotion like greed, fear or loneliness and are designed to provoke an immediate response.
- Caution your loved ones that some scammers will even threaten the elderly or vulnerable person that they should not tell anyone of the request being made. Some cyber con artists convince their victims to not tell the bank what the money withdrawal is really for. Elders and vulnerable people tend to be polite and have difficulty disengaging. Encourage them to pause and validate the request before taking any action, particularly if it’s urgent or requires payment. For example, call the service provider on your bill (not the callback number from the caller, letter, email, etc.).
- It is important to act quickly and efficiently if your loved one has fallen victim to a scam. If money has been sent, contact financial institutions immediately to report the fraud and ensure accounts are secure
- Strongly consider implementing two-factor authentication on digital accounts, to avoid further account compromise and exposure of accounts’ personal or sensitive information
- If an unknown individual was allowed to access a computer/phone, disconnect from the network, and run a reputable anti-virus
- If it is not done already, freeze their credit or lock the credit (not credit monitoring), this will prevent fraudsters from opening up accounts in their name
- The U.S Department of Justice manages the National Elder Fraud Hotline (833–FRAUD–11 or 833–372–8311), the first national hotline to assist older victims and their families in reporting fraud and/or finding local assistance
- You can also report elder fraud to the U.S. Federal Trade Commission
REFER A MEMBER WINNER
Congratulations to James O. He was our 2nd quarter Refer A Member WINNER!
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!
WINDOWS 10 IS COMING TO AN END
As of 10/14/25, Microsoft will no longer support Windows 10. If you have a Windows 10 device (laptop or desktop), you will have to either upgrade to windows 11 or purchase a new device that has the Windows 11 operating system. Should you continue to use your current Windows device after this date, it will no longer be receiving any security patches and system updates. This will leave you vulnerable to security threats and may inhibit your use of certain website applications, including ours. Start planning now.
IMPORTANT REG CC CHANGES
Important Regulation CC (Availability of Funds and Collection of Checks) Changes Effective July 1, 2025
In accordance with 12 CFR 229, Availability of Funds and Collection of Checks (Regulation CC), we are updating our Funds Availability Policy effective July 1, 2025. These changes impact when deposited funds will be available for withdrawal – increasing the amount made available to you for certain items presented for deposit.
Key Changes to Funds Availability
The first $275 (previously $225) of a check deposit will generally be available no later than the first business day after the day of deposit. The threshold for large check deposits subject to extended holds has increased to $6,725 (previously $5,525).
For new member accounts special rules will apply for the first thirty days that the account is open. These updates align with adjustments mandated by Regulation CC. Our general policy remains the same—most deposits will continue to be available on the day of deposit. However, certain check deposits may be delayed for a longer period under the following circumstances:
- We believe a check you deposited will not be paid
- You deposit checks totaling more than $6,725 on any one day
- You redeposit a check that has been returned unpaid
- You have overdrawn your account repeatedly in the last six months
- There is an emergency, such as failure of computer or communications equipment
By continuing to use your AFCU accounts and deposit services on or after July 1, 2025, you agree to the amended terms.
BE A MEMBER WINNERS
Every month at your Credit Union, we randomly select one of our members to win a $50.00 VISA Gift Card for just being a member. The following are the most recent winners:
- Joe H.
- Dawn A.
- Stevie N.
You must be a member to be selected. If you’re not a member, you should be. Who knows, the next winner might be you!
UPCOMING STAFF TRAINING
In order to provide you with the best service possible, all Allentown FCU offices will close at 2:00 pm on Tuesday, September 23rd, for staff training. You will still have full access to our audio response, home banking, bill payment and remote deposit applications. We thank you in advance for your understanding regarding this matter.
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
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
Tuesday – Wednesday Closed
Current Share and Loan Rates (as of July 1st, 2025)
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 (Regular Shares Only, up to $10,000.00) | 36 Months | 4.00% |
| 48 Months | 4.50% | |
| 60 Months | 4.99% | |
| New Car (2025/2024, Never Titled) | 36 Months | 4.99% |
| 48 Months | 5.25% | |
| 60 Months | 5.99% | |
| 72 Months | 6.49% | |
| Used Car (2020–2024) | 36 Months | 4.99% |
| 48 Months | 5.25% | |
| 60 Months | 5.99% | |
| 72 Months | 6.49% | |
| Used Car (2016–2019) | 36 Months | 5.99% |
| 48 Months | 6.50% | |
| 60 Months | 6.99% | |
| Older Used Car (2015 and Older) | Up to 60 Months* | 7.99% |
| New RV (2025 or 2024, Not Titled) | 84 Months | 6.99% |
| 96–120 Months | 7.99% | |
| 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% |
*Annual Percentage Yield. Loan terms and approvals depend on credit qualifications.
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