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Products/Services
We make it easy for you!
Allegany County Schools FCU is committed to providing services that offer you special conveniences. Because we are a member owned, not for profit financial cooperative, we can return excess earnings to our members in the form of lower interest rates for loans, higher yields on savings accounts, and new financial products.
We hope the variety of services offered at Allegany County Schools FCU make your life easier and more convenient.
Your regular share account may be started with as little as $5.00. This is the initial account you open to become a member. Regular share accounts begin earning interest at $200.00 and require a $5.00 balance.
We offer Christmas, Summer, and January club accounts. Each club earns the same interest as a regular share account and there is no penalty for early withdrawal. Club accounts begin earning interest at $50.00 and require no minimum balance.
Youth accounts are a great way to help young people learn to manage money and introduce them to the many benefits of credit union membership. Youth accounts are for members age 18 and under. Youth accounts begin earning interest at $20.00 and require no minimum balance.
An Education account will allow you to save for your child's (or your own) college expenses a little at a time. Education accounts begin earning interest at $200.00 and require no minimum balance.
Share Draft Accounts This account offers special features to make it easy and convenient to manage your finances:
Overdraft Protection Visa debit cards are the most convenient way to access your money. Use it to make purchases or to get cash from an ATM machine. Your Visa debit card is accepted worldwide. Apply now for your Visa Debit card!
Visa Gift Cards Conveniently deposit your entire pay or just a portion of your pay into your credit union account. As an added convenience, once the funds are deposited we can automatically make transfers to your regular shares, club accounts, or even make loan payments.
Share Certificates Satisfy your borrowing needs with our great rates, flexible terms, and hassle-free loan process. We offer a variety of fixed rate loans designed to fit any budget. As your needs arise, we can set you up with the funds. We offer:
For your added protection credit disability and life insurance are available on most loans for a minimal cost.
Home Equity Loans Our free online banking service is designed to provide you and your family with secure and easy access to your accounts over the internet. Click here to apply for online banking.
Telephone Banking All you need to start using our telephone banking is your one to four digit account number and your access code (which is the last four digits of the primary account holder’s social security number.) Give it a try. Call (585) 567-4450 or (866) 240-8008.
Notary Service We have a Notary on staff to provide a no fee Notary service to our members.
Miscellaneous Services
• Cashier’s Checks • Traveler’s Checks • Wire Transfers • Account Reconciliation
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