(724) 925-9505

(724) 925-6121

safcu@comcast.net

444 Arona Rd New Stanton, PA 15672

Holiday Schedule

Loan Services


Stanwood Area FCU wants to make it easy for you to borrow. Whatever your needs we probably have a loan for you. Loans are reviewed and disbursed daily.


Apply now and get your loan today!

We make repayment easy. You can have your payments automatically deducted each month from your share account or you can pay through the mail or in person at the Credit Union office.

You may obtain a loan application in the office or apply online.

Member pay Credit Life and Disability Insurance available on all closed end loans.

Stanwood Area FCU offers the following loans for your convenience:

Visa Check Card


Stanwood Area FCU’s Visa Check Card is the card that works like a check. It can be used anywhere Visa Cards are accepted-at more than 14 million locations worldwide.

Using your Visa Check Card is easy. Just present your Visa Check card at the time of your purchase and the amount is deducted from your checking account. Plus with each purchase you receive a receipt for easy record keeping and a detailed record of every transaction on your monthly checking account statement. You can use your Visa check Card to withdraw cash all over the world at more than 400,000 ATM machines with the Visa logo. So carry your Visa Check Card instead of cash or checks.


Verified by Visa

Your Visa Check Card is now protected by Verified By Visa — it password protects your card for free when you shop online. The next time you shop at participating online stores, you’ll see some new screens. Enter the information requested to activate your card in order to complete the transaction. It only takes a moment, and then your card will have password protection whenever you shop online.

Shop online with greater security at participating stores listed at verified.visa.com.


Non-surcharging ATM Locations

You can find non-surcharging ATM Locations online by going to CUDollar.org or Sheetz.com.

Visa Credit Cards


Stanwood Area FCU can offer you a Visa Platinum Credit Card.


  • APR determined by member's Trans Risk Score
  • No annual fee
  • 25 day Grace Period on purchases. You can avoid finance charges by paying your account in full each month
  • Credit line up to $10,000.00
  • No over-the-limit fees
  • It takes approximately 15 days after approval to receive your card

You can make your VISA payments at the Credit Union Office. Payments received by 3:00 p.m. will be processed the same day. Payments received after 3:00 p.m. will be processed the next business day.


Credit Cards FAQs


What is the standard interest rate?

Our Platinum VISA® is designed to offer the lowest possible rate based on your credit. Your interest rates will be the fixed rate we quote you at the time of your card approval. Our fixed rates range between 7.99-15.99%. Simply put…the higher your score, the lower the rate and best of all, as your score improves over time, you may have the opportunity to further reduce your rate as a reward for your good payment history.


Do you offer an introductory rate?

Yes! On all new cards, we offer an Introductory Rate as low as 1.99% APR for the first 6 months from date of account opening on all purchases. After the introductory period ends, the standard purchase APR will be applied to unpaid introductory balances and new purchases.


Do you offer rewards?

Yes! We offer a FREE rewards program that offers both name-brand merchandise and travel rewards. Visit our ‘Rewards’ page to learn more.


What is ScoreCard or ScoreMore?

ScoreCard or ScoreMore refers to our FREE Credit Card Rewards Program offered as a standard feature of our Stanwood Area FCU Platinum VISA® Credit Card. Visit our ‘Rewards’ page to learn more.


Can I transfer balances from other cards?

Yes! It’s as simple as:

  1. Gather account information for the credit cards you plan to pay off, including outstanding balances.
  2. Complete this form: Balance Transfer Form
  3. We will deposit the funds into your checking account within one business day.


How can I make my VISA payment?

Making payments couldn’t be simpler or more convenient! Make payments:

  1. By Mail
  2. Mobile or Online Banking
  3. Stanwood Area FCU’s VISA® site at www.ezcardinfo.com


Are there other card benefits?

Yes. The Stanwood Area FCU Platinum VISA® card features service benefits at no extra cost, including:

  • Auto Rental Insurance
  • $500,000 Travel Accident Life Insurance Coverage
  • Warranty Manager Service
  • Travel and Emergency Assistance
  • Verified By VISA is also available, providing additional security when shopping online.
  • We also offer VISA Discounts a FREE benefit that allows you to receive discounts from national retailers, saving you money on major purchases and even travel.


Is there an annual fee?

No. Some financial institutions charge annual credit card fees as high as $30 or more, but not at Stanwood Area FCU. There is NO annual fee whatsoever. All you pay are any interest charges you accrue. That’s it!


Is there a grace period?

Yes. To help you cut your credit card cost even further, your Stanwood Area FCU VISA® features a 25-day interest-free grace period on purchases from statement closing date.

Share Accounts

share savings accounts


Stanwood Area FCU offers you a variety of excellent savings options. We are sure there is one to fit your individual needs. You may use Payroll Deduction, Direct Deposit or cash payments. Our savings accounts are convenient and easy to open.

Standwood Area FCU has the following savings accounts available to our members:


Regular Shares

To become a member of the Credit Union one needs to open a share (savings) account with the with a minimum deposit of $25.00. This deposit remains in the account to maintain membership. Your $25.00 deposit is one membership share and must remain in your share account to take advantage of any and all of the services and products offered by the Credit union. This share gives you one vote during an election for our Board of Directors.To earn dividends a balance of $25.00 must be maintained in a share account. Dividends are paid on the entire share balance.


Checking Accounts

Stanwood Area FCU Checking - A Real Value!

We offer a Regular Checking account with no minimum balance fee, no per item fee and same day availability for most funds.

Checking Account Funds Availability Policy
Reorder Checks

Christmas Club

Open your Christmas Club anytime!

  • There is no minimum balance required
  • Deposits can be made whenever and however you wish
  • Dividends are posted to your Christmas Club quarterly
  • Withdrawals are prohibited
  • The Club may be closed early with no penalty
  • If you have a Christmas Club Account, your balance will be automatically transferred into your Regular Share Savings account on October 25, 2017 for your convenience. You can request a check or withdraw funds as of of that date. If you prefer to keep your current Christmas Club money on deposit, please call the Credit Union at (724) 925-9505.

Why not start saving for next year NOW?!


Vacation Club

Start saving for your next vacation today!

Our Vacation Clubs may be opened anytime during the year, and may be withdrawn when you take your vacation. People take vacations at different times and sometimes more than once a year. There is no minimum balance required. Payments may be made anytime in anyway. What you put in is what you get back plus dividend.


Scotty Savers Kids Accounts

Stanwood Area FCU offers the Scotty Savers Kids Account especially for the young members of the credit union. Contact us for more details.

Investments Accounts


Stanwood Area FCU offers several accounts to invest your savings or IRA savings in.


IRAs (Individual Retirement Account)


How much can I contribute a Traditional IRA?

If you meet the eligibility requirements described above, you can contribute 100 percent of your ($5,500 if you are age 50 or under) and $6,500 for 2017 ($6,500 if you are age 50 or older). Contributions limits are subject to annual cost-of-living adjustments (COLAs).


What is the deadline for making Traditional IRA contributions each year?

You can contribute to your IRA until the due date for filing your federal income tax return for the year. For most individuals this date is April 15.


Can I withdraw money from my Traditional IRA at any time?

Unlike most other retirement plans, you can always withdraw money from your Traditional IRA. You may be subject to an IRA penalty tax if you withdraw from your IRA before you are age 59 1/2, unless you meet certain penalty tax exceptions. In general, you will pay a 10 percent penalty tax on taxable withdrawals you take before age 59 1/2. The penalty tax does not apply however, if you qualify for one of the following exceptions:

  • Death
  • First-time homebuyer expenses
  • Qualified higher education expenses
  • Certain unreimbursed medial expenses
  • Substantially equal periodic payments
  • Disability
  • Health insurance premiums during unemployment
  • IRS levy
  • Qualified reservist distributions

Will I ever be required to withdraw money from my Traditional IRA?

Yes, Once you reach age 70 1/2, the IRS mandates that you take out a minimum amount each year.



Term Share Certificate

The Stanwood Area FCU offers Share Certificates as a means to earn higher dividend rates on your savings. A share Certificate can be opened for as little as $500.00. Our Credit Union offers the following Share Certificates:

  • 6 Month / $500.00 Minimum / Compounds Quarterly
  • 6 Month / $1,000.00 Minimum / Compounds Monthly
  • 12 Month / $500.00 Minimum / Compounds Quarterly
  • 15 Month / $500.00 Minimum / Compounds Quarterly
  • 18 Month / $500.00 Minimum / Compounds Quarterly
  • 24 Month / $500.00 Minimum / Compounds Quarterly
  • 36 Month / $500.00 Minimum / Compounds Quarterly

A 30 day loss of dividends early withdrawal penalty on certificates 12 Months or less. A 90 day loss of dividends early withdrawal penalty on certificates over 12 months.

Other Services



Direct Deposit

Direct Deposit is Fast, Free and most of all Safe. When you authorize Direct Deposit of your paycheck or Social Security check, you eliminate the problems caused by stolen, lost or mutilated checks.

Your money will be in your account, whether you are sick, too busy or on vacation. No more standing in line to cash or deposit your check.

Signing up is easy:

  • Find out if your employer offers Direct Deposit
  • If so, ask for an enrollment form. Complete it and return it to your employer.
  • Or ask, a Credit Union Member Services Rep for an enrollment form, fill it out and return it to your employer
  • Direct Deposit usually begins within 30 days.

Money Orders

Stanwood Area FCU will issue Mid Atlantic Corporate FCU Money Orders to our members during normal business hours. There is a maximum limit of $1,000. The charge per Money Order is $1.00.

Money Orders may be purchased using cash, check or transfer from a Credit Union share or checking account.


Notary Service

The Credit Union offers free Notary service to our members during normal business hours. Please contact the Credit Union, if possible to ensure a Notary is available. An appointment is not required. The Notary is available for personal papers. We do not offer the service for vehicles.