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# Armco Credit Union

## Sitemaps
[XML Sitemap](https://www.armcocu.com/sitemap_index.xml): Includes all crawlable and indexable pages.

## Posts
- [The missing piece of your mortgage](https://www.armcocu.com/the-missing-piece-of-your-mortgage/): Mortgage rates have been steadily rising and the local housing market presents challenges. However, you can always count on Armco CU to help you save money with competitive rates, low closing costs and by finding the best loan program for your situation.
- [What Newbie Home Buyers Need To Know](https://www.armcocu.com/what-newbie-home-buyers-need-to-know/): Go to annualcreditreport.com and get your credit report from all three of the reporting agencies. You can receive one free report a week from each agency. Your credit score can make a huge difference in how much you qualify to borrow and the interest rate you’ll pay.
- [The new CARS Rule: What you need to know](https://www.armcocu.com/new-car-what-you-need-to-know/): Whether you’re excited about buying the car of your dreams or just trying to make your budget stretch to get reliable transportation, the car buying process can be stressful. It can also be costlier than expected, because of misleading ads and hidden fees at the dealer. The FTC’s new Combating Auto Retail Scams (CARS) Rule aims to change that by stopping bait-and-switch tactics and hidden fees.
- [When It Comes to Car Loans, Shorter Is Often Better](https://www.armcocu.com/shorter-car-loan-often-better/): With longer the term car loans, the worse your interest is likely to be. Shorter-term loans generally qualify buyers for a better interest rate.
- [The Lease Is Up—Should You Buy the Car?](https://www.armcocu.com/should-you-buy-out-your-lease/): Your auto lease gives you a right to buy the vehicle for a fixed price at the end of the lease. But should you? If you have less than three months remaining on a lease, now's the time to decide. So, find your lease and read on.
- [5 Reasons Credit Unions Offer the Best Auto Loans](https://www.armcocu.com/5-reasons-credit-unions-offer-the-best-auto-loans/): The average cost of a new vehicle today is around $37,000. The purchase of a car likely will be the second largest expenditure you have, second only to the purchase of a home. Whether you desire the shiny, brand new one, or if you are content with finding a reliable used one, we want to help you to get the most for your money.
- [3 Things You Need to Know Before You Buy a New Car](https://www.armcocu.com/3-things-you-need-to-know-before-you-buy-a-new-car/): 3 Things You Need to Know Before You Buy a New Car
- [Teenage Drivers Dilemma: How to Afford It](https://www.armcocu.com/teenage-drivers-dilemma-how-to-afford-it/): Learning how to drive a car is one of the big milestones in a teenager’s life. Learning how to pay for its upkeep isn’t as exciting, but just as necessary. Here are a few simple tricks to help you keep your wallet happy.
- [Help Your Teen Find the Right Car](https://www.armcocu.com/help-your-teen-find-the-right-car/): Help Your Teen Find the Right Car
- [Buying A Car with the RAIN Method](https://www.armcocu.com/buying-a-car-with-the-rain-method/): The RAIN Method for Buying a Car
- [Preapprove Your Way to a Better Car Deal](https://www.armcocu.com/preapprove-car-deal/): Before you set foot on the car lot, get preapproved for an auto loan at Armco Credit Union. Getting preapproved for a car loan means you'll know what kind of rate you'll pay, and what size loan you're qualified for.
- [We Finance Used-Car Sales From Private Sellers](https://www.armcocu.com/we-finance-used-cars-from-private-sellers/): Did you know Armco Credit Union can set you up with a low-interest car loan, even when you’re buying from a private seller? Buying from a private seller instead of a dealer can help you get the best price on a used vehicle. You’ll need to do some extra research to ensure you’re getting a good deal, but it can pay off in the long run. Figure out how much money you can spend each month on a car payment. Then, stop in and see an auto loan specialist at Armco Credit Union. We can help you identify how much you can afford to buy to stick with your budgeted monthly payment. We’ll take into account current financing rates, your credit score, car value, and other factors before determining how much you qualify for. This process is called preapproval. It helps you when you negotiate a sale price with the seller—you’re a cash buyer. Next, peruse online classifieds until you find a vehicle you like. Arrange to meet the seller in a public place—and take someone with you for safety reasons. If you like how the car drives and looks, interview the seller about the vehicle’s history. Finally, get a car-history report and have a reputable mechanic look at it before you buy. One of the biggest benefits of buying from a private seller is the opportunity to negotiate price, so be fair, but don’t be timid. Once you’ve settled on a price, put the terms in writing. You also will need to figure out payment terms. If you’re getting an auto loan from Armco Credit Union, we can write a check to the seller, or you can arrange to meet the seller at the credit union to complete the deal. Call, stop in or schedule an appointment today! We're here to help with all of your vehicle loan needs.
- [How to Get a Great Price on Your Next Car](https://www.armcocu.com/get-a-great-price-on-your-next-car/):     Are you thinking of buying a car, but want to make sure you get the best price? Here are a few tips to help you find the right car at the best price.
- [How to Save Hundreds (Even Thousands) on your Next Vehicle](https://www.armcocu.com/how-to-save-hundreds-even-thousands-on-your-next-vehicle/): How to Save Hundreds (Even Thousands) on your Next Vehicle
- [Yes, going to the DMV is the only way to avoid a REAL ID scam](https://www.armcocu.com/real-id-scam/): By: BCP Staff, FTC
- [Are you really out of Cloud storage or is that message a scam?](https://www.armcocu.com/are-you-really-out-of-cloud-storage/): You might get an email or text that seems to come from Apple, Microsoft, or Google, saying you’re out of storage. The message looks legit, and you might think there’s a chance you need more cloud space, but your scam-radar is going off. How can you be sure the link to upgrade isn’t a scam?
- [What to know when buying a used car online](https://www.armcocu.com/buying-a-used-car-online/): Jim Kreidler, Consumer Education Specialist, FTCJuly 2, 2024
- [When 0% Isn’t Your Best Deal](https://www.armcocu.com/when-0-isnt-your-best-deal/): When 0% Interest Isn’t Your Best Auto Loan
- [Spotting student loan scams](https://www.armcocu.com/spotting-student-loan-scams/): Did you recently get an email about your federal student loans? Not sure about the status of your federal student loans? Start by logging in to StudentAid.gov. You’ll see information about your loan servicer and how to reach them. If you have questions or need help with your loans, contact your servicer directly.
- [Avoid online JOANN impersonators and their fake sales](https://www.armcocu.com/joann-fabric-scams/): By: BCP Staff, FTC May 7, 2025
- [Think that text message is from USPS? It could be a scam](https://www.armcocu.com/usps-text-scam/): Have you ever gotten a text message about a package coming via the United States Postal Service? Maybe it confirmed your order, said a package is out for delivery, or said there’s a problem like unpaid postage, a missed delivery, or you need to update your shipping preferences. That text message will say to click a link to learn more or fix the problem. But there’s a good chance that text message that says it’s from USPS (or FedEx…or DHL…) is really from a scammer.
- [Got a text about unpaid tolls? It’s probably a scam](https://www.armcocu.com/unpaid-toll-scam/): Whether you’ve driven through a toll recently or not, you might have received a text saying you owe money for unpaid tolls. It’s probably a scam. Scammers are pretending to be tolling agencies from coast to coast and sending texts demanding money. Learn how the scam works so you can avoid it. You get a text out of the blue that says you have unpaid tolls and need to pay immediately. The scammy text might show a dollar amount for how much you supposedly owe and include a link that takes you to a page to enter your bank or credit card info — but it’s a phishing scam. Not only is the scammer trying to steal your money, but if you click the link, they could get your personal info (like your driver’s license number) — and even steal your identity.
- [Personal Finance Hacks for Students](https://www.armcocu.com/finance-hacks-for-students/): College years are the time when many people establish financial habits that will carry them for the rest of their lives.
- [Mindfulness Is Key to Spending Control](https://www.armcocu.com/spending-control/): Are you spending too much? For many Americans, the answer is, "Absolutely." The reasons are varied—lack of a budget or a desire to maintain appearances—but, to better manage your spending, many financial advisers recommend tracking your cash flow and monitoring your emotional state.
- [How to Give Wisely This Season](https://www.armcocu.com/give-wisely-this-holiday-season/): If you're going to give, it makes sense to do it intelligently and for the right reasons. Here are four steps to making sure your hard-earned money goes to a cause that reflects your values and will have the most impact.
- [Launching Your Own Business: Are You the Type?](https://www.armcocu.com/launching-your-own-business-are-you-the-type/): People who can start and run a successful business share certain traits. There are also certain triggers that motivate people to start their own business. Look at the descriptions below and see how many of them fit your situation.
- [Help Kids Get Money-Savvy](https://www.armcocu.com/help-kids-get-money-savvy/): One of the most important life skills you can teach your children is how to manage their own money. The sooner children begin financial education, the greater the likelihood they'll avoid the mistakes many adults make today. 
- [Give Your College-Bound Student a Crash Course in Personal Finance](https://www.armcocu.com/college-student-crash-course-in-personal-finance/): Does your young-adult student need a crash course in personal finance? A financial literacy survey by the National Foundation for Credit Counseling (NFCC) reveals that most adults learned about personal finance from their parents.
- [Give the Power of a Roth IRA](https://www.armcocu.com/roth-ira-for-kids/): Many parents and grandparents want to know how to teach their children to save. The earlier a child learns these skills, the easier it will be to save throughout their lifetimes.  Roth IRAs (individual retirement accounts) are one solution. This is a savings account that increases in value by compounding interest. The longer the account is kept, the greater the interest it earns. Some young people with earned income are realizing that a Roth IRA is a gift that keeps growing, long after graduation.
- [Debit Card: Should I use my PIN or Use it as Credit?](https://www.armcocu.com/debit-or-credit-card/): When you make a purchase using your debit card, you’re often given the choice between “debit” or “credit.” What’s the difference between the two?
- [Buying a Home in a Seller’s Market](https://www.armcocu.com/buying-a-home-in-a-sellers-market/): You’ve made the decision to buy a new home. Or maybe this is your first time. You’re probably excited and can’t wait to go house hunting. If the market is a “Buyer’s Market,” one in which supply exceeds demand, you’ll have plenty of time to get your financing in order and look at as many homes as you like.
- [Be Safe Shopping Online](https://www.armcocu.com/be-safe-shopping-online/): Online shopping is more prevalent than ever. Make sure to do everything you can to avoid becoming a victim of cybercrime:
- [Be a Wise Newbie Borrower](https://www.armcocu.com/be-a-wise-newbie-borrower/): When you’re in middle school, your earning potential is pretty low. You’re too young for a part-time job but too old for a lemonade stand. So, saving money for big-ticket purchases is going to take some time. This is why you should consider borrowing. Ask your parents to loan you the money for the item you want to buy. If they agree, draw up a detailed payment plan which states how much you will pay them week or month until the loan is paid off.
- [Baby Steps: Cutting Newborn Expenses](https://www.armcocu.com/cutting-newborn-expenses/): If you had a child in 2023, you could expect to spend about $331,933 if you add projected inflation--from birth until age 18, according to USDA data and inflations statistics from the Bureau of Labor Statistics.
- [Saving for Something Special](https://www.armcocu.com/saving-for-something-special/): Armco Credit Union offers an assortment of youth banking programs and features, thoughtfully formulated to foster financial literacy and money management from a young age. We offer the Cub Accounts for children aged 7 or under, which includes features such as The Berenstain Bears® Financial Literacy Program combined with our exclusive Piggy Bank rewards program, both of which aim to raise awareness about money and the importance of saving from an early age. As your little ones grow, they can progress to our Banzai financial education program, catering to the 8-17 age group. Choose Armco Credit Union and unlock an abundance of educational programs designed to nurture and secure your child's financial future.
- [Trim Your Holiday Spending](https://www.armcocu.com/trim-your-holiday-spending/): Save that New Year’s resolution for something besides paying down holiday debt. With a bit of planning and saving, and a little help from the Internet, you can keep your holiday spending in check.
- [Got a call about fraud activity on your bank account? It could be a scammer](https://www.armcocu.com/fraud-activity-on-your-bank-account/): Did someone supposedly spot criminal or fraud activity on your bank account? Did they offer to help “protect” your money by moving it from your bank, investment, or retirement account? Maybe they even asked you to share a verification code? If anyone did any of those things, it’s always a scam. So, what do you do next?
- [A Bear-y Fun Way to Save!](https://www.armcocu.com/berenstain-bears-armco-cub-club/): Armco CU is excited to become an official sponsor of The Berenstain Bears® Financial Literacy Program, a unique program inspired by the beloved Berenstain Bears and designed to make learning about money fun and rewarding for kids age 7 and under.
- [Knowledge Is The Key To Combatting Fraud](https://www.armcocu.com/combatting-fraud/): The Federal Trade Commission received fraud reports from 2.6 million consumers in 2023. The most commonly reported scams were imposter scams, followed by online shopping issues and prize/sweepstake/lottery scams.
- [Making The Most Of Credit Union Benefits](https://www.armcocu.com/credit-union-benefits/): The credit union movement is more than just receiving competitive rates. It’s about being a part of a financial community. Armco CU puts members’ interests first with transparent and thoughtfully designed, value-added services. Unlock the full spectrum of credit union benefits that await you as a member.
- [Did someone tell you to move or transfer your money? It could be a scam](https://www.armcocu.com/money-transfer-scams/): Many impersonation schemes start with a call about a routine problem, like suspicious activity in your Amazon account. But in a new twist, the story quickly takes a more serious turn when you’re told someone is using your information to commit crimes and all your money is at risk.
- [Scammers Hide Harmful Links In QR Codes To Steal Your Information](https://www.armcocu.com/harmful-links-in-qr-codes/): QR codes seem to be everywhere. You may have scanned one to see the menu at a restaurant or pay for public parking. And you may have used one on your phone to get into a concert or sporting event, or to board a flight. There are countless other ways to use them, which explains their popularity. Unfortunately, scammers hide harmful links in QR codes to steal personal information. Here’s what to know.
- [The Best Time to Buy Your Favorite Products](https://www.armcocu.com/the-best-time-to-buy-your-favorite-products/): By: Credit Union National Association
- [Slow your scroll: Spot and avoid social media giveaway scams](https://www.armcocu.com/spot-social-media-scams/): By Terri Miller, Consumer Education Specialist, FTC
- [Secure Your Mobile Wallet](https://www.armcocu.com/secure-your-mobile-wallet/): There are many mobile applications that allow you to carry out most of your personal finance transactions online and on the go.
- [Safeguarding Seniors: Combatting Financial Scams with Vigilance](https://www.armcocu.com/elder-financial-scams/): Elder financial scams are on the rise, with a nearly 50 percent increase in suspected fraud against seniors in 2023 (Thomson Reuters).  It's more important than ever to protect the older people in our lives from these innovative scammers.
- [Searching for a job to work remotely? Avoid scams and identity theft](https://www.armcocu.com/remote-work-scams/): By: Gema de las Heras, Consumer Education Specialist, FTC
- [Life Change To-Do Lists](https://www.armcocu.com/life-change-to-do-lists/): Life changes, such as getting married, divorced, having a child, or facing widowhood, require more than the subsequent emotional adjustment. These milestones also signal the need to review your financial situation and make any necessary adjustments.
- [Drop the fees and start enjoying free checking](https://www.armcocu.com/free-checking/): There are roughly 10 different kinds of checking accounts available to consumers, like traditional, business, and rewards checking. But the kind that everyone likes is the one that is Free. These are checking accounts with no monthly maintenance fee or balance requirements.
- [Is That Really a Text From My Credit Union?](https://www.armcocu.com/text-message-scams/): There has been a significant rise lately in phishing scams. These are text messages or emails that attempt to get your personal information. This rise is due in part to improvements in Artificial Intelligence (AI) software, which becomes more sophisticated with each day.
- [6 Steps Toward Financial Well-being](https://www.armcocu.com/6-steps-toward-financial-well-being/): By Credit Union National AssociationFriday, December 8, 2023
- [DIY Ideas for Holiday Gifts](https://www.armcocu.com/diy-holiday-gifts/): The holidays are a great time of year, bringing family and friends together to express their love and create happy memories. They can also bring financial stress for many people. According to PricewaterhouseCoopers, consumers, on average,  expect to pay $1,530 on gifts, travel and entertainment during the 2023 holidays. This is a 7% increase over the 2022 season.
- [Holidays Are Rich With Teachable Moments](https://www.armcocu.com/holiday-teachable-moments/): Wise parents know that you’re teaching your kids even when you’re not teaching your kids. For example, you don’t begin to teach your daughter to drive the day she receives her temporary driving permit. She’s been learning how to drive, watching you, every time she has ridden in your car for the last 16 years.
- [Budget for Christmas in July](https://www.armcocu.com/budget-for-christmas-in-july/): By Credit Union National Association
- [Don’t Fall for Gift Card Scams](https://www.armcocu.com/dont-fall-for-gift-card-scams/): Gift cards are extremely popular, to give as well as to get. They’re a convenient way to treat someone to a meal at their favorite restaurant, purchase an item of their own choosing at a favorite store, or simply to give them cash to use anywhere the card is accepted. Unfortunately, scammers also love gift cards and have come up with creative ways to convince you to purchase cards for them.
- [Five Steps to Organizing Your Finances](https://www.armcocu.com/five-steps-to-organizing-your-finances/): Do you know your net worth? Or how much you spend each month, and on what? Or how much you can expect from your pension plan or Social Security in retirement? A majority of the population will answer "no," saying they've been too busy with life to get a handle on their finances.
- [Credit Karma Told to Halt Deceptive “Pre-Approved” Credit Offers](https://www.armcocu.com/credit-karma-told-to-halt-deceptive-pre-approved-credit-offers/): If you’re shopping for a credit card or loan, the only words sweeter than “You’re approved!” may be, “You’re pre-approved!” But according to the FTC, many people who got “pre-approved” credit offers from Credit Karma weren’t approved for credit and, as a result, wasted time applying and saw their credit scores drop when their applications were denied.
- [Recognizing the Geek Squad Renewal Scam](https://www.armcocu.com/recognizing-the-geek-squad-renewal-scam/): by Alvaro Puig, FTV.gov, Oct. 25, 2022
- [Watch Out For Unexpected Texting Scams](https://www.armcocu.com/watch-out-for-unexpected-texting-scams/): The FTC has seen a spike in reports from people getting text messages that look like they’re from well-known names like USPS, Costco, or The Home Depot and others. Spoiler alert: they’re from impersonators. The details vary, but the scammers are after the same thing: your money and your personal information. You may get a text from scammers pretending to be USPS and asking you to confirm your debit card details so you can get an undelivered package. Or you might get texts about a chance to win a free gift card or a power tool. To claim your “reward,” you’re told to click on the link, answer some questions, and pay for shipping. Don’t do it.
- [How Tech Support Scams Work](https://www.armcocu.com/how-tech-support-scams-work/): By The Federal Trade Commission
- [How to Spot and Report Tech Support Scams](https://www.armcocu.com/how-to-spot-and-report-tech-support-scams/): By The Federal Trade Commission
- [Sail Clear of Flood-Damaged Cars](https://www.armcocu.com/sail-clear-of-flood-damaged-cars/): Shopping for a car? With new car prices averaging more than $48,000, you may be thinking about buying used. But in the wake of disasters like Hurricane Ian, tread lightly: after a hurricane or flood, storm-damaged cars are sometimes cleaned up and taken out of state for sale. You may not know a car is damaged until you look at it closely.   If you’re shopping for a used car:
- [8 Tips to Save Money at the Pump](https://www.armcocu.com/8-tips-to-save-money-at-the-pump/): No amount of wishful thinking will lower prices at the pump. Instead, focus on efforts that will make a difference—follow these 8 tips to increase your gas mileage and get the most out of every gallon.
- [Don’t Let Scammers Make You Pay for Student Loan Forgiveness](https://www.armcocu.com/dont-let-scammers-make-you-pay-for-student-loan-forgiveness/): You’ve probably already heard about the new government plan that will forgive some federal student loans, once it’s up and running. Also in the news: the federal student loan payment pause has been extended to December 31, 2022. But scammers are watching the news, too, so know this: you don’t need to do anything or pay anybody to sign up for the new program — or the pause. Nobody can get you in early, help you jump the line, or guarantee eligibility. And anybody who says they can — or tries to charge you — is (1) a liar, and (2) a scammer.
- [Unclaimed Package Texting Scams are Rising](https://www.armcocu.com/unclaimed-package-texting-scams-are-rising/): Sorry to burst your bubble. That unexpected text from the Postal Service (USPS), Costco, or The Home Depot telling you about an unclaimed package or a survey you can complete to claim a freebie is NOT from them. It’s a scam.
- [Protecting Yourself from Medicare Fraud](https://www.armcocu.com/protecting-yourself-from-medicare-fraud/): By Bridget Small, FTC.gov
- [New Scams Offer Student Loan Forgiveness](https://www.armcocu.com/new-scams-offer-student-loan-forgiveness/): By Terri Miller, FTC.gov
- [Getting the Right Records May Help Solve Identity Theft](https://www.armcocu.com/getting-the-right-records-may-help-solve-identity-theft/): Let’s say you learn that an identity thief took out credit in your name, pretending to be you. To straighten it out, you might want to get records about the identity theft from the company where it happened. The law gives you that right — in fact, it’s Section 609(e) of the Fair Credit Reporting Act (FCRA).
- [Don’t Get Scammed With Texts from Your Number](https://www.armcocu.com/dont-get-scammed-with-texts-from-your-number/): Scammers are always thinking up ways to put a new spin on their criminal tricks. This time, they’re sending spam texts to you — from your own phone number. They’ve changed (spoofed) the caller ID to look like they’re messaging you from your number, but the shock of getting a text from yourself is bound to get your attention — which is what they’re after. If you get a text from your own number, it’s a scam.
- [Digital Services Menu](https://www.armcocu.com/digital-services-menu/): By Armco Credit UnionMarch 29, 2002
- [Securing Your Home WiFi Network](https://www.armcocu.com/securing-your-home-wifi-network/): Your home networks might have a range of wireless devices on them — from computers and phones to IP cameras, voice assistants, smart TVs, and connected appliances. Taking some basic steps to secure your home Wi-Fi network will help protect your devices from getting hacked — and your information from getting stolen.
- [Credit Freezes and Fraud Alerts](https://www.armcocu.com/credit-freezes-and-fraud-alerts/): You have likely read many articles about reducing your risk of identity theft. Credit freezes and fraud alerts can help. Both are free and make it harder for identity thieves to open new accounts in your name. One may be right for you.
- [How to Avoid Scams](https://www.armcocu.com/how-to-avoid-scams/): There are thousands of new scams every year, and sometimes, it's challenging to keep up with all of them (we know, we try!).
- [Medicare Open Enrollment Scams](https://www.armcocu.com/medicare-open-enrollment-scams/): If you request an appointment with an agent to visit or call to talk about your Medicare coverage options, remember you have certain rights and agents must follow the law:
- [Unemployment Fraud](https://www.armcocu.com/unemployment-fraud/): By Seena GressinAttorney, Division of Consumer & Business Education, FTCJune 3, 2020
- [Online Shopping Retailers and Rights](https://www.armcocu.com/online-shopping-retailers-and-rights/): Shopping Online?  Know your Retailer and your Rights
- [Online Shopping Tips](https://www.armcocu.com/online-shopping-tips/): Ahh, summer. Ten sweet yet short weeks to enjoy some of your favorite traditions. Maybe it’s sipping lemonade on the porch or vacationing at the beach. Now that you think about it, you might decide to treat yourself to a new porch swing or a new beach umbrella. Or suddenly realize that you need to buy more goggles because the kids lost theirs…again.
- [Identity Theft Victim Checklist](https://www.armcocu.com/identity-theft-victim-checklist/): Identity Theft Victim Checklist
- [No Money, Honey](https://www.armcocu.com/no-money-honey/): Editor’s note: You’ve heard about romance scams and thought, “who would fall for that?” Believe it or not, we see a lot of romance scams right here in Butler County and have foiled many fraud attempts at Armco CU. Please take the time to educate yourself so you spot scammers who may prey on your friends and family.
- [How to Spend your College Grad Money Wisely](https://www.armcocu.com/how-to-spend-your-college-grad-money-wisely/): College graduates - spend your gift money wisely!
- [IRS Imposter Scam Targets College Students and Staff](https://www.armcocu.com/irs-imposter-scam-targets-college-students-and-staff/): If you’re a college student, faculty, or staff member, you’re going to want to pay attention to this one. IRS imposters are sending phishing emails to people with “.edu” email addresses, saying they have information about your “tax refund payment.” What do they really want? Your personal information.
- [How to Read and Evaluate Your Financial Aid Letter](https://www.armcocu.com/how-to-read-and-evaluate-your-financial-aid-letter/): By Edmit College Planning
- [Teaching Children About Money](https://www.armcocu.com/teaching-children-about-money/): Teach your children to become savvy savers and smart spenders. Our latest article explores how 3 jars can teach kids to save and spend wisely.
- [5 Projects That Add Value to Your Home](https://www.armcocu.com/5-projects-that-add-value-to-your-home/): What home improvement projects are more likely to increase your home value in Butler County? The following projects are more likely to pay off in the future, according to Lorraine DiDomenico, president of the Butler Board of Realtors.
- [Home $weet Home](https://www.armcocu.com/home-sweet-home/): What exactly is a home equity loan? More importantly, what can a home equity loan do for you?
- [How to know it’s really the IRS calling or knocking on your door](https://www.armcocu.com/identifying-the-irs/): Article by: The IRS
- [What degrees offer the best and worst ROI?](https://www.armcocu.com/what-degrees-offer-the-best-and-worst-roi/): Among the most important factors determining projected ROI is undergraduate degree choice. This is because there are considerable differences in lifetime earnings across different majors. Grouping college majors into 13 broad categories, the New York Fed study found that the bachelor’s degrees with the highest rates of return include those under engineering (21%), maths and computers (18%), health (18%) and business (17%). In general, majors that tend to emphasize quantitative skills lead to the highest returns. But before you head over to your university registrar’s office to change your major, be aware that other factors might be at play. Here’s what the New York Fed researchers have to say:
- [How to Save](https://www.armcocu.com/how-to-save/): Saving for Something Special 
- [Math – The Common Denominator](https://www.armcocu.com/math-the-common-denominator/): by Alex, age 11
- [Teaching Teens Financial Responsibility](https://www.armcocu.com/teaching-teens-financial-responsibility/): When your kids were little, you frequently heard requests such as “Will you read me a story?” or “Can we go for a bike ride?” Now that your kids have morphed into teenagers, their pleadings often involve asking for money—your money.
- [Five Ways College Students Waste Money](https://www.armcocu.com/five-ways-college-students-waste-money/): Going to college is expensive, no doubt about it. Between textbooks, tuition, housing, utilities, and maintaining a social life, managing your money can be challenging. So, here are a few habits to avoid if you want to save more of your money.
- [Ways to Save in College](https://www.armcocu.com/ways-to-save-in-college/): Going off to college is an exciting time! One very important skill you’ll need is learning how to save while living on your own. The easy first step is finding out what you don’t need to buy…
- [Back to School Savings for All Ages](https://www.armcocu.com/back-to-school-savings-for-all-ages/): According to the National Retail Federation, the average American household spends $685 on back-to-school shopping for children in elementary through high school and $943 for young adults going to college. Here are a few ways to save …
- [Tips for Living in your First Apartment](https://www.armcocu.com/tips-for-living-in-your-first-apartment/): Create a budget – Before choosing an apartment, figure out all your expenses like food,utilities, transportation and entertainment. Estimate your monthly expenses and make sure you have money for unforeseen expenses. Create a budget. There are many different approaches to creating a budget.  Check out two budget calculators at armcocu.learnbanzai.com/wellness/calculators.
- [Steer Clear of Automobile Fraud](https://www.armcocu.com/steer-clear-of-automobile-fraud/): When a used car deal seems almost too good to be true, it probably is. Since this is a major investment, it’s important to do your research to verify the car is safe and the dealer is trustworthy. If you’re considering buying a used car, be aware of these types of automobile fraud:

## Pages
- [News](https://www.armcocu.com/news/)
- [Scholarship Recipients](https://www.armcocu.com/armco-scholarship-recipients/): Armco CU is pleased to award $20,000 in scholarships to 20 students entering their freshmen year of college in the fall. Twenty students received $1,000. The students were selected based on academic, leadership and extracurricular achievement.  Students attending college as well as vocational schools were eligible.  Armco CU has awarded over $150,000 in scholarships since 2018. Watch for next year's scholarship announcement in our monthly eNEWS or follow us on social media.
- [Armco Credit Union Proudly Announces New Executive Leadership](https://www.armcocu.com/new-executive-leadership/): Armco Credit Union is pleased to announce an executive leadership transition effective Feb. 2, 2026. James Hrabosky will assume the role of Chief Executive Officer, succeeding Randall Cypher; and Adam Boosel will become Executive Vice President, succeeding Dennis Fehl. Both executives will remain working through June to support a seamless transition, ensuring continuity for members, employees and the communities the credit union serves.
- [Armco Credit Union Scholarships](https://www.armcocu.com/scholarships/): The Armco Credit Union scholarship application period is now closed.
- [Fraud Alert](https://www.armcocu.com/fraud-alert/): An active fraud ring is impersonating both Armco CU staff and our fraud monitoring company. Scammers are calling members, requesting debit card information, and then using it to make unauthorized transactions.
- [Armco Financial Advisors – Investments & Retirement](https://www.armcocu.com/armco-financial-advisors/): The Armco Financial Advisors program is offered through LPL Financial. For more information, please visit LPL Financial.
- [Personal Financial Statement Form](https://www.armcocu.com/personal-financial-statement-form/): Personal Financial Statement Form
- [Banzai Reward Program](https://www.armcocu.com/banzai-program/): Help your kids gain responsibility and make good decisions!
- [Corry Branch](https://www.armcocu.com/corry-branch/): All CJCU Visa® Credit Cards will be transitioned to an Armco CU Cashback Rewards Visa® Credit card.
- [Armco Credit Union – Banking Made Easy](https://www.armcocu.com/): Helping Members Achieve Financial Freedom
- [Consumer Credit Card Agreement and Disclosure](https://www.armcocu.com/consumer-credit-card-agreement/): Consumer Credit Card Agreement and Disclosure
- [Business Card Features](https://www.armcocu.com/business-card-features/): Business Card Features
- [Roadside Dispatch](https://www.armcocu.com/road-side-dispatch/): Roadside Dispatch
- [Auto Rental Collision Damage Waiver](https://www.armcocu.com/auto-rental-collision-damage-waiver/): Auto Rental Collision Damage Waiver
- [Secured Credit Card Account Opening Disclosure](https://www.armcocu.com/secured-credit-card-account-opening-disclosure/): Secured Credit Card Account Opening Disclosure
- [Credit Card Account Opening Disclosure](https://www.armcocu.com/credit-card-account-opening-disclosure/): Credit Card Account Opening Disclosure
- [Armco Credit Union Visa Rewards Program – Terms and Conditions](https://www.armcocu.com/visa-rewards-disclaimer/): Visa Rewards Program – Terms and Conditions
- [Berenstain Bears Cub Account at Armco Credit Union](https://www.armcocu.com/cub-account/): Our unique Youth Savings Accounts provide parents with the tools to teach children how to make responsible financial choices. We reward kids and teens with bonus money when they learn age-appropriate financial lessons.
- [Child Privacy Policy](https://www.armcocu.com/child-privacy-policy/): Child Privacy Policy
- [Electronic Disclosures Agreement](https://www.armcocu.com/electronic-disclosures-agreement/): Electronic Disclosures Agreement
- [Membership And Account Agreement](https://www.armcocu.com/membership-account-agreement/): Membership And Account Agreement
- [Electronic Fund Transfers Agreement And Disclosure](https://www.armcocu.com/eft-disclosure/): Electronic Fund Transfers Agreement And Disclosure
- [eServices](https://www.armcocu.com/e-services/): Spend time online, not in line.
- [Courtesy Pay Disclosure](https://www.armcocu.com/courtesy-pay-disclosure/): Courtesy Pay Disclosure
- [South Hills / Pittsburgh Branch](https://www.armcocu.com/pittsburgh-south-hills/): Physical Address:
- [Bonus Program Terms & Conditions](https://www.armcocu.com/bonus-program-terms-conditions/): Bonus-Program-Terms
- [Youth Savings](https://www.armcocu.com/youth-savings/): Our unique Youth Savings Accounts provide parents with the tools to teach children how to make responsible financial choices. We reward kids and teens with bonus money when they learn age-appropriate financial lessons.
- [Instant Issuance](https://www.armcocu.com/instant-issuance/): Instant issuance is a convenience service that allows members to receive a new or replacement debit or credit card in less than 15 minutes! No more waiting for your card to arrive in the mail – simply visit our Butler or Mars branch and walk out with your new card in hand.
- [Account Creation and Deletion](https://www.armcocu.com/account-creation-and-deletion/): Accounts can be created online or in person. To cancel online banking, contact Armco Credit Union by verbal, written or email notification. You may also stop into any branch location.
- [Privacy Notice](https://www.armcocu.com/privacy-notice/): Privacy Notice
- [Business Service Fees](https://www.armcocu.com/business-service-fees/): Business Fee Schedule
- [Consumer Service Fees](https://www.armcocu.com/consumer-service-fees/): Consumer Fee Schedule
- [Armco Credit Union Passcode – Terms and Conditions of Use (the “Terms”)](https://www.armcocu.com/terms-of-use/): Please read this information carefully and print a copy and/or retain this information electronically for your records.
- [Privacy](https://www.armcocu.com/privacy/): FACTS WHAT DOES ARMCO CREDIT UNION (ARMCO CU) 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 us to 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: Social Security number and income Account balances and payment history Credit history and credit scores How? All financial companies need to share member's personal information to run their everyday business. In the section below, we list the reasons financial companies can share their member's personal information; the reasons Armco Credit Union chooses to share are; whether you can limit this sharing. Reasons we can share your personal information Does Armco CU 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 Yes 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 non-affiliates to market to you Yes Yes To limit our sharing Call 724-284-2020 — our menu will prompt you through your choice(s) Visit us online: www.armcocu.com Mail the form below Please note: If you are a newcustomer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing. Questions? Call 724-284-2020 or go to www.armcocu.com Mail-in Form   Mark any/all you want to limit: _______ Do not share my personal information with non-affiliates (Member Financial Services) to market their products and services to me. _______ Do not share my personal information with non-affiliates/joint marketing CUNA Mutual Group’s “TruStage” insurance products. Your Name Address City, State Zip Mail To: Armco Credit Union PO Box 1589 Butler, PA 16003 Who we are Who is providing this notice? Armco Credit Union (Armco CU) What we do How does Armco CU protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. How does Armco CU collect my personal information? We collect your personal information, for example, when you open an account or deposit money pay your bills or apply for aloan use your credit or debitcard We also collect your personal information from 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 non-affiliates to market to you State laws and individual companies may give you additional rights to limit sharing. What happens when I limit sharing for an account I hold jointly with someone else? Your choices will apply to everyone on your account. Definitions Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies. None Non-affiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies. Members Financial Services Joint marketing A formal agreement between non-affiliated financial companies that together market financial products or services to you. CUNA Mutual Group’s “TruStage” insurance products Account Creation and Deletion Accounts can be created online or in person. If you wish to close your account, it must be requested in writing via standard mail or email. To learn more, click here
- [Savings](https://www.armcocu.com/savings/): Save more and earn more with an Armco CU Savings account. We keep things simple so all members earn a great rate with no strings attached.
- [External ACH Disclosure](https://www.armcocu.com/external-ach-disclosure/): I confirm that prior to entering into the use of this online banking service that I have been provided, reviewed, and agree to the terms of the Electronic Disclosure Agreement . I agree that in order for Armco Credit Union (Credit Union) to make any automatic transfers per this authorization, the full amount must be available in my account. I understand that in the event that funds are not available when utilizing this service that I may be assessed a fee, as in accordance with the terms of my Membership Account Agreement and the Credit Union Fee Schedule, and/or my agreement may be cancelled. In addition, as outlined in the Electronic Funds Transfer Disclosure, I understand the following Automated Clearing House (ACH) limits may apply: $5000 per month and/or 10 transactions a month for incoming and outgoing ACH transfers. By submitting this transaction request, I hereby authorize the Credit Union to transfer funds between my selected accounts at the Credit Union and another financial institution and, if necessary, to make adjustments for any errors. I understand that if my selected date falls on a weekend, federal holiday, or is created after 3:30pm EST on a business day, my transaction will be processed on the next business day, and the Credit Union is not responsible for fees that I may incur from this processing delay. The Credit Union will be responsible for the timely transfer in accordance with this authorization. Once a transfer has been made to another financial institution, the Credit Union will have no further responsibility for the credit or debit of such funds. If a recurring transfer is selected, the authorization will remain in effect until the Credit Union has received notification to cancel this authorization. This can be an oral or written notification within three (3) business days before the scheduled date of transfer. Submitting this transaction online I further acknowledge that I have received, reviewed, and agree to all accounts disclosures, acknowledge and understand that for the transfer to occur that both the receiving and the debited account are personal accounts, and accept these terms and conditions governing the Credit Union’s electronic services.
- [Notice to Mastercard® Debit Card Holders](https://www.armcocu.com/notice/): For accounts opened prior to June 1, 2023, the following clarification is being made to your membership and account agreement regarding signature-based debit card transactions.  Section 14.b How Transactions are posted to your account.
- [NCUA Insurance](https://www.armcocu.com/ncua-insurance/): In light of recent events involving Silicon Valley Bank and other banks in distress, members have been asking, “Are my credit union deposits insured?”
- [Report Fraud](https://www.armcocu.com/fraud-resources/): One-third of Americans have experienced some form of attempted identity theft in their lifetime. Instances of fraud increased 70% from 2020 to 2022, according to the National Council on Identity Theft Protection.
- [Membership Benefits](https://www.armcocu.com/membership-benefits/): We would like to take this opportunity to introduce you to Armco Credit Union. As an employee of one of our Sponsor Organizations, you and your family members are now eligible for Credit Union membership.
- [Mortgage Types](https://www.armcocu.com/mortgage-types/): Select a Mortgage to learn more.
- [New Member Information](https://www.armcocu.com/new-member-information/): We would like to take this opportunity to introduce you to Armco Credit Union. As an employee of one of our Sponsor Organizations, you and your family members are now eligible for Credit Union membership.
- [Sponsor Organizations](https://www.armcocu.com/sponsor-organizations/): Employees of any of the organizations listed below are eligible to join Armco Credit Union.
- [Beaver Valley Scholarships](https://www.armcocu.com/beaver-valley-scholarships/): Armco Credit Union would like to congratulate Brook Ellis for receiving a $500 scholarship from the Beaver Valley Chapter of Credit Unions!
- [Debt Protection](https://www.armcocu.com/debt-protection/): Life can take some unexpected turns.  That's why there's the Armco CU Debt Protection Program.
- [eSTATEMENTS](https://www.armcocu.com/e-statements/): Why wait for mail when you can get your statements as soon as they are posted?
- [Internships](https://www.armcocu.com/internships/): Looking to help kickstart a career in the accounting, finance, or business fields?  Armco Credit Union is able to assist!
- [Digital Wallet](https://www.armcocu.com/digital-wallet/): Fast & Safe Contactless Checkouts
- [Mobile App for Google](https://www.armcocu.com/mobile-app-google/): Stop!
- [Security Education](https://www.armcocu.com/security-education/): You and your family use the internet every day for browsing, shopping, checking email, social media – even streaming movies and music. It’s up to you to protect your data, privacy and identity.
- [Mobile App for iOS](https://www.armcocu.com/mobile-app-ios/): Stop!
- [Asset Recoveries](https://www.armcocu.com/asset-recoveries/): We currently do not have any recovered assets for sale.  To receive notifications when our next asset is available, please fill in the form below.
- [Local Insurance Scam Notice](https://www.armcocu.com/local-insurance-scam-notice/): Local Scam Notice
- [Privacy Policy Form](https://www.armcocu.com/policies-disclosures/privacy-policy-form/): Fill out my Wufoo form!
- [E-Newsletter Signup](https://www.armcocu.com/e-newsletter-signup/): By submitting this form, you are consenting to receive marketing emails from: Armco Credit Union, 101 Hollywood Dr., Butler, PA 16001, https://ArmcoCU.com.  You can revoke your consent to receive emails at any time by using the SafeUnsubscribe® link, found at the bottom of every email.  Emails are serviced by Constant Contact.
- [Mortgage Loan Application](https://www.armcocu.com/mortgage-loan-application/)
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Armco Credit Union (December 22, 2020)Early Mortgage Payoff Calculator - Armco Credit Union (December 22, 2020)Mortgage Calculator - Armco Credit Union (December 22, 2020)Auto Loan Payoff Calculator - Armco Credit Union (December 7, 2020)Auto Refinance Calculator - Armco Credit Union (December 7, 2020)Auto Loan Calculator - Armco Credit Union (December 7, 2020)Business Service Fees - Armco Credit Union (March 5, 2024)Child Privacy Policy - Armco Credit Union (July 22, 2024)Digital Wallet - Armco Credit Union (August 5, 2021)Debt Protection - Armco Credit Union (November 23, 2021)Electronic Disclosures Agreement - Armco Credit Union (July 18, 2024)Consumer Service Fees - Armco Credit Union (March 5, 2024)Membership And Account Agreement - Armco Credit Union (July 18, 2024)Courtesy Pay Disclosure - Armco Credit Union (July 17, 2024)Bonus Program Terms & Conditions - Armco Credit Union (June 18, 2024)Privacy - Armco Credit Union (December 8, 2023)Account Creation and Deletion - Armco Credit Union (April 22, 2024)Privacy Notice - 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- [Articles](https://www.armcocu.com/articles/): Articles Auto Articles Auto The new CARS Rule: What you need to know December 14, 2025 Whether you’re excited about buying the car of your dreams or just trying to make your budget stretch to get... Read More Auto When It Comes to Car Loans, Shorter Is Often Better December 13, 2025 With longer the term car loans, the worse your interest is likely to be. Shorter-term loans generally qualify buyers for... Read More Auto Financial Wellness The Lease Is Up—Should You Buy the Car? December 8, 2025 Your auto lease gives you a right to buy the vehicle for a fixed price at the end of the... Read More Auto 5 Reasons Credit Unions Offer the Best Auto Loans November 13, 2025 The average cost of a new vehicle today is around $37,000. The purchase of a car likely will be the... Read More Auto 3 Things You Need to Know Before You Buy a New Car September 29, 2025 3 Things You Need to Know Before You Buy a New Car There are many things to consider before purchasing... Read More Auto Teenage Drivers Dilemma: How to Afford It September 13, 2025 Read More Auto Help Your Teen Find the Right Car September 13, 2025 Read More Auto Buying A Car with the RAIN Method August 25, 2025 Read More Auto Preapprove Your Way to a Better Car Deal August 18, 2025 Read More Auto We Finance Used-Car Sales From Private Sellers August 16, 2025 Read More Auto How to Get a Great Price on Your Next Car August 13, 2025 Read More Auto How to Save Hundreds (Even Thousands) on your Next Vehicle August 1, 2025 How to Save Hundreds (Even Thousands) on your Next Vehicle Avoid classic car-buying errors—and save money! How much money do... Read More Auto What to know when buying a used car online July 1, 2025 Read More Auto When 0% Isn’t Your Best Deal June 13, 2025 When 0% Interest Isn’t Your Best Auto Loan When it comes to auto loans, a 0% interest rate is a... Read More Auto Sail Clear of Flood-Damaged Cars November 15, 2022 By Colleen Tressler, Division of Consumer and Business Education, FTC - November 15, 2022 Shopping for a car? With new... Read More Auto 8 Tips to Save Money at the Pump November 9, 2022 No amount of wishful thinking will lower prices at the pump. Instead, focus on efforts that will make a difference—follow... Read More College Planning Articles College Planning Financial Wellness Personal Finance Hacks for Students August 17, 2024 Read More College Planning Youth Banking Give Your College-Bound Student a Crash Course in Personal Finance August 11, 2024 Read More College Planning Fraud & Scams New Scams Offer Student Loan Forgiveness May 27, 2022 By Terri Miller, FTC.gov The U.S. Department of Education recently announced another extension of the student loan payment pause. This time... Read More College Planning How to Spend your College Grad Money Wisely April 8, 2021 College graduates - spend your gift money wisely! Congratulations! You just graduated from college. While it may be tempting to... Read More College Planning How to Read and Evaluate Your Financial Aid Letter April 5, 2021 Read More College Planning What degrees offer the best and worst ROI? January 25, 2021 Read More College Planning Five Ways College Students Waste Money January 13, 2021 Read More College Planning Ways to Save in College January 13, 2021 Going off to college is an exciting time! One very important skill you’ll need is learning how to save while... Read More College Planning Tips for Living in your First Apartment January 13, 2021 Create a budget – Before choosing an apartment, figure out all your expenses like food,utilities, transportation and entertainment. Estimate your monthly... Read More Youth Banking Articles Youth Banking Help Kids Get Money-Savvy August 12, 2024 Read More College Planning Youth Banking Give Your College-Bound Student a Crash Course in Personal Finance August 11, 2024 Read More Youth Banking Financial Wellness Give the Power of a Roth IRA August 10, 2024 Read More Youth Banking Be a Wise Newbie Borrower August 6, 2024 Read More Home & Family Youth Banking Baby Steps: Cutting Newborn Expenses August 5, 2024 Read More Youth Banking Financial Wellness Saving for Something Special August 4, 2024 Read More Youth Banking A Bear-y Fun Way to Save! June 21, 2024 Armco CU is excited to become an official sponsor of The Berenstain Bears® Financial Literacy Program, a unique program inspired... Read More Youth Banking Financial Wellness Home & Family Holidays Are Rich With Teachable Moments November 30, 2023 Read More Youth Banking Teaching Children About Money April 2, 2021 Teach your children to become savvy savers and smart spenders. Our latest article explores how 3 jars can teach kids... Read More Youth Banking How to Save January 25, 2021 Read More Youth Banking Math – The Common Denominator January 25, 2021 Read More Youth Banking Teaching Teens Financial Responsibility January 25, 2021 Read More Youth Banking Back to School Savings for All Ages January 13, 2021 According to the National Retail Federation, the average American household spends $685 on back-to-school shopping for children in elementary through... Read More Fraud & Scam Articles Fraud & Scams Yes, going to the DMV is the only way to avoid a REAL ID scam July 11, 2025 By: BCP Staff, FTC June 23, 2025 If you want to use your driver’s license to fly, you’ll need a REAL... Read More Fraud & Scams Are you really out of Cloud storage or is that message a scam? July 3, 2025 You might get an email or text that seems to come from Apple, Microsoft, or Google, saying you’re out of... Read More Fraud & Scams Spotting student loan scams May 22, 2025 Read More Fraud & Scams Avoid online JOANN impersonators and their fake sales May 8, 2025 By: BCP Staff, FTC May 7, 2025 You may have heard the news: JOANN Fabric & Craft stores are closing... Read More Fraud & Scams Think that text message is from USPS? It could be a scam April 24, 2025 Have you ever gotten a text message about a package coming via the United States Postal Service? Maybe it confirmed... Read More Fraud & Scams Got a text about unpaid tolls? It’s probably a scam April 22, 2025 By: Andrew Rayo, FTC Consumer Education Specialist January 17, 2025 Whether you’ve driven through a toll recently or not, you... Read More Financial Wellness Fraud & Scams Debit Card: Should I use my PIN or Use it as Credit? August 9, 2024 Read More Financial Wellness Fraud & Scams Be Safe Shopping Online August 7, 2024 Read More Fraud & Scams Got a call about fraud activity on your bank account? It could be a scammer July 11, 2024 Read More Fraud & Scams Knowledge Is The Key To Combatting Fraud March 20, 2024 Read More Fraud & Scams Did someone tell you to move or transfer your money? It could be a scam January 23, 2024 Read More Fraud & Scams Scammers Hide Harmful Links In QR Codes To Steal Your Information December 13, 2023 Read More Fraud & Scams Slow your scroll: Spot and avoid social media giveaway scams December 8, 2023 By Terri Miller, Consumer Education Specialist, FTC You may have heard us say when you’re shopping online, check things out... Read More Financial Wellness Fraud & Scams Secure Your Mobile Wallet December 8, 2023 There are many mobile applications that allow you to carry out most of your personal finance transactions online and on... Read More Fraud & Scams Safeguarding Seniors: Combatting Financial Scams with Vigilance December 8, 2023 Elder financial scams are on the rise, with a nearly 50 percent increase in suspected fraud against seniors in 2023... Read More Fraud & Scams Searching for a job to work remotely? Avoid scams and identity theft December 8, 2023 By: Gema de las Heras, Consumer Education Specialist, FTC Found a job listing to telework as a Spanish translator or... Read More Fraud & Scams Is That Really a Text From My Credit Union? December 8, 2023 By CUNA and Armco Credit Union Friday, December 8, 2023 There has been a significant rise lately in phishing scams.... Read More Fraud & Scams Don’t Fall for Gift Card Scams June 1, 2023 Gift cards are extremely popular, to give as well as to get. They’re a convenient way to treat someone to... Read More Fraud & Scams Recognizing the Geek Squad Renewal Scam December 8, 2022 by Alvaro Puig, FTV.gov, Oct. 25, 2022 Scammers are at it again, impersonating well-known businesses and trying to rip people... Read More Fraud & Scams Watch Out For Unexpected Texting Scams December 8, 2022 by Gema de las Heras, FTC.gov, Aug. 8, 2022   Sorry to burst your bubble. That unexpected text from the... Read More Financial Wellness Articles Auto Financial Wellness The Lease Is Up—Should You Buy the Car? December 8, 2025 Your auto lease gives you a right to buy the vehicle for a fixed price at the end of the... Read More College Planning Financial Wellness Personal Finance Hacks for Students August 17, 2024 Read More Financial Wellness Mindfulness Is Key to Spending Control August 16, 2024 Read More Financial Wellness Home & Family How to Give Wisely This Season August 15, 2024 Read More Financial Wellness Launching Your Own Business: Are You the Type? August 14, 2024 Read More Youth Banking Financial Wellness Give the Power of a Roth IRA August 10, 2024 Read More Financial Wellness Fraud & Scams Debit Card: Should I use my PIN or Use it as Credit? August 9, 2024 Read More Financial Wellness Fraud & Scams Be Safe Shopping Online August 7, 2024 Read More Youth Banking Financial Wellness Saving for Something Special August 4, 2024 Read More Financial Wellness Trim Your Holiday Spending August 3, 2024 Read More Financial Wellness Making The Most Of Credit Union Benefits February 2, 2024 Read More Financial Wellness Fraud & Scams Secure Your Mobile Wallet December 8, 2023 There are many mobile applications that allow you to carry out most of your personal finance transactions online and on... Read More Financial Wellness Home & Family Life Change To-Do Lists December 8, 2023 By: Credit Union National Association Friday, December 8, 2023 Life changes, such as getting married, divorced, having a child, or... Read More Financial Wellness Drop the fees and start enjoying free checking December 8, 2023 By: Credit Union National Association Friday, December 8, 2023 There are roughly 10 different kinds of checking accounts available to... Read More Financial Wellness 6 Steps Toward Financial Well-being December 8, 2023 Read More Financial Wellness Home & Family DIY Ideas for Holiday Gifts November 30, 2023 The holidays are a great time of year, bringing family and friends together to express their love and create happy... Read More Youth Banking Financial Wellness Home & Family Holidays Are Rich With Teachable Moments November 30, 2023 Read More Financial Wellness Budget for Christmas in July July 17, 2023 By Credit Union National Association Pondering Christmas in July is a good idea if it gets you saving. The average... Read More Financial Wellness Five Steps to Organizing Your Finances December 27, 2022 Read More Financial Wellness Credit Karma Told to Halt Deceptive “Pre-Approved” Credit Offers December 13, 2022 By Seena Gressin, September 1, 2022, FTC.gov If you’re shopping for a credit card or loan, the only words sweeter... Read More Home & Family Articles Home & Family The missing piece of your mortgage March 23, 2026 Home & Family What Newbie Home Buyers Need To Know March 3, 2026 Financial Wellness Home & Family How to Give Wisely This Season August 15, 2024 Home & Family Buying a Home in a Seller’s Market August 8, 2024 Home & Family Youth Banking Baby Steps: Cutting Newborn Expenses August 5, 2024 Home & Family The Best Time to Buy Your Favorite Products December 8, 2023 Financial Wellness Home & Family Life Change To-Do Lists December 8, 2023 Financial Wellness Home & Family DIY Ideas for Holiday Gifts November 30, 2023 Youth Banking Financial Wellness Home & Family Holidays Are Rich With Teachable Moments November 30, 2023 Fraud & Scams Home & Family Securing Your Home WiFi Network March 30, 2022 Home & Family 5 Projects That Add Value to Your Home March 23, 2021 Home & Family Home $weet Home March 22, 2021
- [Forms](https://www.armcocu.com/forms/): Forms Online Forms All forms are signed using Adobe Sign electronic signature service. You will be asked to verify your identity through a set of security questions. Once you have completed signing, we will respond within one business day. Please contact us at 724-284-2020 during business hours if you need assistance. ACH Origination Authorization
Automatic Transfer Form
Change of Address/Phone/Email
Debit or Credit Card Order Form
Travel Notification Form Payroll Deduction
Stop Payment
Unauthorized ACH transaction Form
Card Transaction Dispute Form
- [Guaranteed Asset Protection (GAP)](https://www.armcocu.com/guaranteed-asset-protection/): If your vehicle is deemed a total loss due to an accident or theft, your insurance might not cover your vehicle loan, leaving you with unexpected expenses. But we can help. Our Guaranteed Asset Protection program may reduce or eliminate the gap between what your vehicle insurance will cover and what you still owe on your loan.
- [UTMA](https://www.armcocu.com/utma/): UTMA accounts, are allowable under the Pennsylvania Uniform Gift to Minors Act. This is a custodial account that allows interested parties to give a gift of money to a minor without the need of a court-appointed guardian. A custodial account is listed under the minor’s name and social security number, but the custodian is responsible for transactions on the account.
- [Youth Debit Cards](https://www.armcocu.com/youth-debit-cards/): Armco CU youth cards allow kids and teens to be independent with the safety of parental oversight.
- [Teen Checking](https://www.armcocu.com/teen-checking/): Our Teen Checking Account offers a safe place for teens to learn how to manage their money without the fear of incurring fees for not maintaining a high minimum balance or ridiculous per check charges.
- [Mortgage Calculator](https://www.armcocu.com/mortgage-calculator/): The quicker you payoff your mortgage, the less you’ll pay in interest
- [Mortgage Type Activity](https://www.armcocu.com/mortgage-type-activity/): A small difference in the parameters of your mortgage can make a big impact on how much you pay for your home
- [Early Mortgage Payoff Calculator](https://www.armcocu.com/early-mortgage-payoff-calculator/): A small difference in the parameters of your mortgage can make a big impact on how much you pay for your home
- [Commercial Lending](https://www.armcocu.com/commercial-lending/): Equip your business for success when you turn to Armco CU for your commercial lending needs.
- [Business Deposits](https://www.armcocu.com/business-deposits/): It’s time you focus on your business, not your banking. Let Armco CU become your trusted business partner. We care about your business as much as you do - with great rates, low fees and personal service. In fact, you won’t believe your savings in fees alone!
- [Auto Refinance Calculator](https://www.armcocu.com/auto-refi-calculator-monthly-payment/): Auto Loan Refinance Calculator (Monthly Payment) 4 convenient ways to apply  At Any Branch Call Any Branch Online Mobile App Apply Auto Loan Articles Home & Family The missing piece of your mortgage March 23, 2026 Read More Home & Family What Newbie Home Buyers Need To Know March 3, 2026 Read More Auto The new CARS Rule: What you need to know December 14, 2025 Whether you’re excited about buying the car of your dreams or just trying to make your budget stretch to get... Read More Auto When It Comes to Car Loans, Shorter Is Often Better December 13, 2025 With longer the term car loans, the worse your interest is likely to be. Shorter-term loans generally qualify buyers for... Read More Auto Financial Wellness The Lease Is Up—Should You Buy the Car? December 8, 2025 Your auto lease gives you a right to buy the vehicle for a fixed price at the end of the... Read More Auto 5 Reasons Credit Unions Offer the Best Auto Loans November 13, 2025 The average cost of a new vehicle today is around $37,000. The purchase of a car likely will be the... Read More Auto 3 Things You Need to Know Before You Buy a New Car September 29, 2025 3 Things You Need to Know Before You Buy a New Car There are many things to consider before purchasing... Read More Auto Teenage Drivers Dilemma: How to Afford It September 13, 2025 Read More Auto Help Your Teen Find the Right Car September 13, 2025 Read More Auto Buying A Car with the RAIN Method August 25, 2025 Read More Auto Preapprove Your Way to a Better Car Deal August 18, 2025 Read More Auto We Finance Used-Car Sales From Private Sellers August 16, 2025 Read More Auto How to Get a Great Price on Your Next Car August 13, 2025 Read More Auto How to Save Hundreds (Even Thousands) on your Next Vehicle August 1, 2025 How to Save Hundreds (Even Thousands) on your Next Vehicle Avoid classic car-buying errors—and save money! How much money do... Read More Fraud & Scams Yes, going to the DMV is the only way to avoid a REAL ID scam July 11, 2025 By: BCP Staff, FTC June 23, 2025 If you want to use your driver’s license to fly, you’ll need a REAL... Read More Fraud & Scams Are you really out of Cloud storage or is that message a scam? July 3, 2025 You might get an email or text that seems to come from Apple, Microsoft, or Google, saying you’re out of... Read More Auto What to know when buying a used car online July 1, 2025 Read More Auto When 0% Isn’t Your Best Deal June 13, 2025 When 0% Interest Isn’t Your Best Auto Loan When it comes to auto loans, a 0% interest rate is a... Read More Fraud & Scams Spotting student loan scams May 22, 2025 Read More Fraud & Scams Avoid online JOANN impersonators and their fake sales May 8, 2025 By: BCP Staff, FTC May 7, 2025 You may have heard the news: JOANN Fabric & Craft stores are closing... Read More Home & Family The missing piece of your mortgage Sam Menchyk – March 23, 2026 Home & Family What Newbie Home Buyers Need To Know Michele Jurysta – March 3, 2026 Auto The new CARS Rule: What you need to know Sam Menchyk – December 14, 2025 Auto When It Comes to Car Loans, Shorter Is Often Better Sam Menchyk – December 13, 2025 Auto Financial Wellness The Lease Is Up—Should You Buy the Car? Sam Menchyk – December 8, 2025
- [Auto Loan Payoff Calculator](https://www.armcocu.com/auto-refi-calculator-term/): Auto Loan Refinance Calculator (Term)
  4 convenient ways to apply  At Any Branch Call Any Branch Online Mobile App Apply Auto Loan Articles Home & Family The missing piece of your mortgage March 23, 2026 Read More Home & Family What Newbie Home Buyers Need To Know March 3, 2026 Read More Auto The new CARS Rule: What you need to know December 14, 2025 Whether you’re excited about buying the car of your dreams or just trying to make your budget stretch to get... Read More Auto When It Comes to Car Loans, Shorter Is Often Better December 13, 2025 With longer the term car loans, the worse your interest is likely to be. Shorter-term loans generally qualify buyers for... Read More Auto Financial Wellness The Lease Is Up—Should You Buy the Car? December 8, 2025 Your auto lease gives you a right to buy the vehicle for a fixed price at the end of the... Read More Auto 5 Reasons Credit Unions Offer the Best Auto Loans November 13, 2025 The average cost of a new vehicle today is around $37,000. The purchase of a car likely will be the... Read More Auto 3 Things You Need to Know Before You Buy a New Car September 29, 2025 3 Things You Need to Know Before You Buy a New Car There are many things to consider before purchasing... Read More Auto Teenage Drivers Dilemma: How to Afford It September 13, 2025 Read More Auto Help Your Teen Find the Right Car September 13, 2025 Read More Auto Buying A Car with the RAIN Method August 25, 2025 Read More Auto Preapprove Your Way to a Better Car Deal August 18, 2025 Read More Auto We Finance Used-Car Sales From Private Sellers August 16, 2025 Read More Auto How to Get a Great Price on Your Next Car August 13, 2025 Read More Auto How to Save Hundreds (Even Thousands) on your Next Vehicle August 1, 2025 How to Save Hundreds (Even Thousands) on your Next Vehicle Avoid classic car-buying errors—and save money! How much money do... Read More Fraud & Scams Yes, going to the DMV is the only way to avoid a REAL ID scam July 11, 2025 By: BCP Staff, FTC June 23, 2025 If you want to use your driver’s license to fly, you’ll need a REAL... Read More Fraud & Scams Are you really out of Cloud storage or is that message a scam? July 3, 2025 You might get an email or text that seems to come from Apple, Microsoft, or Google, saying you’re out of... Read More Auto What to know when buying a used car online July 1, 2025 Read More Auto When 0% Isn’t Your Best Deal June 13, 2025 When 0% Interest Isn’t Your Best Auto Loan When it comes to auto loans, a 0% interest rate is a... Read More Fraud & Scams Spotting student loan scams May 22, 2025 Read More Fraud & Scams Avoid online JOANN impersonators and their fake sales May 8, 2025 By: BCP Staff, FTC May 7, 2025 You may have heard the news: JOANN Fabric & Craft stores are closing... Read More Home & Family The missing piece of your mortgage Sam Menchyk – March 23, 2026 Home & Family What Newbie Home Buyers Need To Know Michele Jurysta – March 3, 2026 Auto The new CARS Rule: What you need to know Sam Menchyk – December 14, 2025 Auto When It Comes to Car Loans, Shorter Is Often Better Sam Menchyk – December 13, 2025 Auto Financial Wellness The Lease Is Up—Should You Buy the Car? Sam Menchyk – December 8, 2025
- [Auto Loan Calculator](https://www.armcocu.com/auto-loan-calculator/): Auto Loan Calculator 4 convenient ways to apply  At Any Branch Call Any Branch Online Mobile App Apply Auto Loan Articles Home & Family The missing piece of your mortgage March 23, 2026 Read More Home & Family What Newbie Home Buyers Need To Know March 3, 2026 Read More Auto The new CARS Rule: What you need to know December 14, 2025 Whether you’re excited about buying the car of your dreams or just trying to make your budget stretch to get... Read More Auto When It Comes to Car Loans, Shorter Is Often Better December 13, 2025 With longer the term car loans, the worse your interest is likely to be. Shorter-term loans generally qualify buyers for... Read More Auto Financial Wellness The Lease Is Up—Should You Buy the Car? December 8, 2025 Your auto lease gives you a right to buy the vehicle for a fixed price at the end of the... Read More Auto 5 Reasons Credit Unions Offer the Best Auto Loans November 13, 2025 The average cost of a new vehicle today is around $37,000. The purchase of a car likely will be the... Read More Auto 3 Things You Need to Know Before You Buy a New Car September 29, 2025 3 Things You Need to Know Before You Buy a New Car There are many things to consider before purchasing... Read More Auto Teenage Drivers Dilemma: How to Afford It September 13, 2025 Read More Auto Help Your Teen Find the Right Car September 13, 2025 Read More Auto Buying A Car with the RAIN Method August 25, 2025 Read More Auto Preapprove Your Way to a Better Car Deal August 18, 2025 Read More Auto We Finance Used-Car Sales From Private Sellers August 16, 2025 Read More Auto How to Get a Great Price on Your Next Car August 13, 2025 Read More Auto How to Save Hundreds (Even Thousands) on your Next Vehicle August 1, 2025 How to Save Hundreds (Even Thousands) on your Next Vehicle Avoid classic car-buying errors—and save money! How much money do... Read More Fraud & Scams Yes, going to the DMV is the only way to avoid a REAL ID scam July 11, 2025 By: BCP Staff, FTC June 23, 2025 If you want to use your driver’s license to fly, you’ll need a REAL... Read More Fraud & Scams Are you really out of Cloud storage or is that message a scam? July 3, 2025 You might get an email or text that seems to come from Apple, Microsoft, or Google, saying you’re out of... Read More Auto What to know when buying a used car online July 1, 2025 Read More Auto When 0% Isn’t Your Best Deal June 13, 2025 When 0% Interest Isn’t Your Best Auto Loan When it comes to auto loans, a 0% interest rate is a... Read More Fraud & Scams Spotting student loan scams May 22, 2025 Read More Fraud & Scams Avoid online JOANN impersonators and their fake sales May 8, 2025 By: BCP Staff, FTC May 7, 2025 You may have heard the news: JOANN Fabric & Craft stores are closing... Read More Home & Family The missing piece of your mortgage Sam Menchyk – March 23, 2026 Home & Family What Newbie Home Buyers Need To Know Michele Jurysta – March 3, 2026 Auto The new CARS Rule: What you need to know Sam Menchyk – December 14, 2025 Auto When It Comes to Car Loans, Shorter Is Often Better Sam Menchyk – December 13, 2025 Auto Financial Wellness The Lease Is Up—Should You Buy the Car? Sam Menchyk – December 8, 2025
- [Youth Accounts](https://www.armcocu.com/youth-accounts/): The Armco CU youth account program is different from other financial institutions. We want your children to practice making real-life decisions and learn the value of a dollar. We don’t want to just open an account for your child – we want to teach them to use it responsibly.
- [Christmas Club](https://www.armcocu.com/christmas-club/): Looking to save money for holiday shopping? An Armco CU Christmas Club account makes saving easy. Make deposits throughout the year, set up an automatic transfer or if your employer offers Payroll Deduction you can have a portion of each pay deposited into your account.
- [Certificates](https://www.armcocu.com/certificates/): Build a bright future! A Certificate is a safe place to invest money.
- [IRA](https://www.armcocu.com/ira/): An IRA is a great tool to help build your retirement plan. These IRAs can be taken in the form of Savings or Certificates, depending on how often you wish to deposit into them. IRA Savings can have monthly deposits, while IRA Certificates are started with a lump sum of money and cannot be increased until the Certificate term ends.
- [Contact Us](https://www.armcocu.com/contact-us/): Email: contact@ArmcoCU.com
- [Policies & Disclosures](https://www.armcocu.com/policies-disclosures/): Our policy on paying overdrafts automatically on an account.
- [Employment](https://www.armcocu.com/employment/): Armco CU is a values-driven organization. We value and appreciate our employees as much as we value members, and our positive work culture empowers employees to pursue rewarding careers and go home knowing they are helping the financial lives of over 40,000 members. With over a quarter of our staff tenured with us between 10 and 30 years, we truly are a family away from home.
- [Sponsor Organizations](https://www.armcocu.com/sponsor-organization/): Armco Credit Union isn’t just for employees of the former Armco Steel or Cleveland Cliffs! We are the 2nd largest credit union in the Pittsburgh area and serve over 43,000 members and 300 sponsor organizations.
- [Tutorials](https://www.armcocu.com/tutorials-and-articles/): Learn how to enroll in Online Banking once you’ve opened your Armco CU account. Do all of your banking remotely without the need to stop into a branch location!
- [Financial Literacy for Members](https://www.armcocu.com/free-financial-literacy-resources-for-members/): Armco Credit Union is pleased to offer members a variety of resources to learn about financial topics relevant to all stages of life – all in the convenience of your home! The following links offer interactive games for kids and adults, a library of articles and interactive coaching modules.
- [School Sponsorships](https://www.armcocu.com/school-sponsorships/): 13
- [Convenience Services](https://www.armcocu.com/convenience-services/): Instant issuance is a convenience service that allows members to receive a new or replacement debit or credit card in less than 15 minutes! No more waiting for your card to arrive in the mail – simply visit our Butler or Mars branch and walk out with your new card in hand.
- [ATM Locations](https://www.armcocu.com/atm-locations/): Network of surcharge-free ATMsLocated throughout PABrowse Networks
- [Recreational Vehicle Loans](https://www.armcocu.com/recreational-vehicle-loans/): There’s an adventure waiting for you, let Armco CU help you finance your exploration.
- [Free Checking Account](https://www.armcocu.com/free-checking-account/): Say goodbye to hidden fees and restrictions! Armco CU offers a genuinely free checking account, without minimum balances, check writing fees and savings account demands.
- [BC3 Branch](https://www.armcocu.com/bc3-branch/): BC3 Main CampusStudent Success Center, 2nd Floor 107 College Drive,Butler, PA 16002