Direct Deposit

You’ve got better things to do with your time than wait in line  to cash your check. Here are some other benefits Direct Deposit provides:

  • Funds are available to you faster
  • Eliminates lost or stolen checks
  • Saves you gasoline
  • Chance for Identity Theft is greatly reduced
  • Access your funds almost anywhere

Armco CU accepts Direct Deposit of payroll, Social Security, Civil Service, retirement and other recurring checks.

Payroll Deduction

Members can have a portion of their pay deducted each pay period, to be applied into a variety of savings and loan accounts. This makes saving for a variety of reasons as simple as possible.

Payroll Deduction can also reduce the total amount of interest paid over the life of the loan.

Ask your employer about Payroll Deduction. If they don’t currently offer it, we may be able to help.

Certified Checks

For situations where immediate funds availability is required. Fee assessed.

Coin Machine

The old days of sitting down with a big jar of change and wasting hours counting and rolling it are gone. Save yourself the time and aggravation, and bring it to Armco CU. Our free coin machine will count your change in a fraction of the time and get you back to the important things in life.

Coin machine available and free for member’s use only.

Gift Cards

The Perfect Gift for Anyone

Whether it’s a birthday, graduation, anniversary, promotion or simply a way to say thanks, our VISA Gift Cards are the ideal solution. Our cards fit everyone’s style, personality, and interests because recipients can just buy what they want.

Stay Secure

VISA Gift Cards are safer to carry than cash and easier to use than a check. So you’re also giving the gift of security and convenience.  Additionally, all VISA Gift Cards come with the benefit of VISA Zero Liability on all signature-based fraudulent activity.

Usable Almost Anywhere

Unlike gift cards for a specific store, VISA Gift Cards can be used at millions of merchants around the world. They can even be used to order an item online or by phone.

$2.50 fee per card.  Load one time from $10 – $1,000.

Money Orders

Available in amounts up to $1,000. Fee assessed.

Overdraft Protection

Avoid bounced checks with your choice of automatic Overdraft Protection options. Our standard Overdraft Protection draws from the predetermined account of your choice in the event your Checking Account is overdrawn. This type of transaction has a $7.50 fee, but it is still preferable to a $25 non-sufficient funds (NSF) fee. There is no annual fee for Overdraft Protection.

Many members apply for and use a Personal Line-of-Credit as their Overdraft Protection source. When you use your Personal Line-of-Credit, you pay only interest on the amount transferred to cover the check amount, avoiding the $7.50 Overdraft fee and the $25 NSF fee.

U.S. Savings Bond

Savings bonds can be redeemed at the Credit Union, but can now only be ordered online directly from the U.S. Treasury. The latest market-based rate information is available 24 hours-a-day by calling toll-free, 1-800-US BONDS, or by visiting the website

Wire Transfers

Wire transfers are available for incoming and outgoing funds, for domestic and international transactions. Fee assessed.