Model Year Term APR*2016-2019 0-36 months 1.99%

37-60 months 2.24%

61-72 months 2.74%

2015 & older 1/4% off current rates*Annual Percentage Rate. **Does not apply to vehicles currently financed with Armco CU.

And Even Sweeter...Paying higher rates on your current credit card balances? Want to consolidate some debt? We’re taking 1% off our personal Signature Loan – now only 9.99% APR* for 42 months. This fixed-rate, term option could save you thousands by paying off major credit card debt and avoiding minimum monthly payments. Call today to see which consolidation loan option is best for you.

MARK YOUR CALENDAR!ANNUAL MEETING

APRIL 3, 2019See Page 2

SweetheartOne

of a Loan Rate

Mortgage Loan Special!

PURCHASES

REFINANCES

Signature Loan9.99%APR *

Mortgage Loan Special!

*From Jan. 1, 2019 - Feb. 28, 2019, Armco CU will waive the application fee on all 1st mortgage loans closed by May 1, 2019. Contact the Mortgage Department for additional details.

The Valentines don’t stop with our Auto and Signature Loan specials. Through February, we’re waiving the application fee on all new first mortgage loans – a $200 savings!

From conventional financing to VA and FHA, we offer a variety of programs to fit your specific needs. Our friendly, experienced staff will explain all your options to determine which is best for you.

Armco CU also offers closing costs that are hundreds, sometimes thousands, less than our competitors. In addition, we offer you our best rate up front with no haggling or surprises.

Call for your free pre-approval and see why a Credit Union mortgage is the best deal around. You’ll be happy you did.

Published for the Members of Armco Credit Union Winter 2019

ARMCOCREDIT UNION

As always, we’re giving sweet rates on your next auto loan. Whether

you’re buying a new or used vehicle, or simply want to refinance** your

high rate auto loan from another institution, we can help.

SAVE$200

thru Feb. 28th*

DON’T MISS THIS SPECIAL OFFER WHICH ENDS FEBRUARY 28TH.

It’s time once again for the Armco CU Annual Meeting. The Annual Meeting provides an opportunity for you to review the Credit Union’s 2018 performance and to discuss with the Board of Directors any comments or questions you have.

Voting for the positions on the Board of Directors, Credit Committee and Supervisory Committee will begin at the Annual Meeting and continue the following day at any Credit Union Branch office during regular business hours.

Absentee ballots will be available for those unable to vote at the meeting or Credit Union office. Request yours from any Credit Union staff member and it will be mailed to you in March.

Please note, you must be a member to vote. If you are a joint account holder but not a member, stop by the Credit Union prior to the meeting to complete our easy membership application process. Call the Credit

Union at (724) 284-2020 if you are unsure of your membership status.

Anyone interested in running for the Board of Directors, Credit Committee, or Supervisory Committee should notify Leanne Cygan, Executive Assistant, by January 31, 2019.

ANNUAL MEETING - Mark Your Calendar

WHICH IRA IS RIGHT FOR YOU?

Representatives are registered, securities sold, advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC , a registered broker/dealer and investment advisor, which is not an affiliate of the credit union. CBSI is under contract with the financial institution to make securities available to members. Not NCUA/NCUSIF/FDIC insured, May Lose Value, No Financial Institution Guarantee. Not a deposit of any financial institution. CHARTERED RETIREMENT PLANNING COUNSELOR (SM) and CRPC® are registered service marks of the College for Financial Planning®. Representative is not a tax advisor. For information regarding your specific tax situation, please consult a tax professional. FR-2322418.1-1118-0121

Choose a ROTH IRA if you don’t need the tax break right now. It’s a more flexible investment because: 100% of withdrawals are Tax-Free after Age 59 ½

You can withdraw regular contributions at any time, tax-free and

penalty-free.

You DO NOT have to take mandatory distributions at age 70 ½

Choose a TRADITIONAL IRA if you want the tax deductions right now. It also makes sense if you anticipate paying taxes at a significantly lower rate in retirement.

Take advantage of the annual contribution limits.

Call Chuck Headley, CRPC, the MEMBERS Financial Services Representative at (724) 284-2020, ext. 1030 for your no-cost, no-obligation appointment. Located at Armco Credit Union.

MAKE SURE YOUR IRA IS WORKING HARD FOR YOU.There’s a wide variety of investments available for your IRA … mutual funds, stocks, CDs and annuities, just to name a few. We can help you decide which investments may be right for you, and also help you consider whether to purchase a Traditional IRA or a Roth IRA. In addition, you may be able to consolidate your IRAs and avoid paying unnecessary fees. Making the right IRA choices can have a dramatic impact on your total retirement income.

The maximum annual limits for both Traditional and Roth IRA

contributions are:2018........................................ $5,5002019........................................ $6,000

Additional “catch-up” contributions can be made each year by people

age 50 and older of:2018........................................ $1,0002019........................................ $1,000

ANNUAL MEETING When: Wednesday, April 3, 2019

Where: CrossfireCampus 1802 N. Main St. Ext., Butler (Former Kerr’s/Friedman’s Plaza)

Times: 3:00 – 4:00 Social Hour

4:00 – 5:00 Meeting

Lots of prizes including 5 lucky $100 cash prize winners!

All members are invited

LOAN RATES

Term (months) APR*

Auto 2016-2019 0 – 36 1.99% 37 – 60 2.24 61 – 72 2.742015 0 – 60 3.502014 0 – 54 3.502013 0 – 48 3.752012 0 – 48 4.252011 & older 0 – 36 4.25

Home Equity1st Lien 0 – 60 3.37%(0-85% LTV) 61 – 84 3.59 85 – 120 3.81 121 – 180 4.29 181 – 240 4.542nd Lien 0 – 60 3.87(0-85% LTV) 61 – 84 4.34 85 – 120 4.31 121 – 180 4.80 181 – 240 5.042nd Lien 0 – 60 7.63(85.01%-100% LTV) 61 – 84 7.84 85 – 120 7.82 121 – 180 7.80 181 – 240 8.29Line-Of-Credit 5.25

APR reflects $150 Origination Fee on $50,000 loan amount. Minimum Home Equity loan amount is $5,000.

Mortgage Call or view website for rates

Other Collateral 0 – 36 11.25%

PersonalSavings Secured 0 – 60 2.25%Signature 0 – 42 9.99%Line-Of-Credit 10.50VISA 11.75

Recreational VehicleNew 0 – 60 6.50% 61 – 84 6.75 85 – 120 7.00Used 0 – 48 7.00 49 – 84 7.50

Student (CU Student Choice) As low as 7.00%

DIVIDEND RATESAvg. Daily Balance Rate APY**

Savings & IRA Savings1

0.01 - 10,000 0.25% 0.25% 10,001 - 25,000 0.35 0.35 25,001 - 50,000 0.45 0.45

50,000.01 - above 0.50 0.50

Checking 0.01 – above 0.15 0.15

Christmas Club1

0.01 – above 0.25 0.25 Certificates2 Call or view website for rates

IRAs2 Call or view website for rates

Rates as of January 1, 2019.All information subject to change or correction at any time.

*Annual Percentage Rate (APR) **Annual Percentage Yield (APY)

1Dividend compounded monthly, credited monthly on average end of day balance. No dividend paid on accounts closed during the month,exceptCertificatesandIRAs.2Certificate and IRA ratesare subject to changeup to the timeof purchase or renewal. Normal rate changes will be made on Wednesdays.Certificates,IRAs,andChristmasClubssubjecttopenalty for early withdrawal.

Federally insured by NCUA

Welcome to the Credit Union

We’ve recently added new Sponsor Organizations to our field of membership. We would like to take this opportunity to welcome them to the Armco CU family.

Route 228 Auto Mall, LLCMars, PA

DePaoli DentistryGibsonia, PA

Home Improvement CenterButler, PA

Tell your co-workers and family members about the great benefits of Credit Union membership and invite them to join Armco CU.

If you know of an organization that would like to offer Credit Union membership to its employees or members, please contact us. We’re always looking for new groups!

Martin Luther King, Jr. Day • Monday, January 21, 2019Presidents’ Day • Monday, February 18, 2019

The Credit Union will be closed to observe the holidays. The ATMs, Online Banking, Tele-R-Phone, and Mobile

Banking are always available for members’ use.

HOLIDAY CLOSINGS

AUTO LOAN SALE

thru Feb. 28th!

SALE!

SAVE $200 thru Feb. 28th!

Scholarship Program Continues in 2019!Due to the overwhelmingly positive member response, Armco CU will continue our scholarship program in 2019.

DATES TO REMEMBER:February 1, 2019 ....... Deadline for applicants, or parent or legal

guardian, to be members of Armco CUFebruary 1, 2019 ....... Applications will be available online or at

any CU locationJuly 1, 2019 ..................Completed applications must be submittedAugust 1, 2019............Scholarship recipients will be announced

Keep an eye on the website and Spring newsletter for more information.

2018 Annual AuditThe Credit Union has engaged Maher Duessel, CPAs, to audit our books for 2018. As part of this audit, you may receive a request from them to confirm your account balances. Please respond directly to them at the following address:

Maher Duessel, CPAs112 Hollywood Dr., Ste 204

Butler, PA 16001

If you do receive such a request, please return the completed form to them promptly. If you have any questions, feel free to contact Maher Duessel at the above address, or the Credit Union’s elected Supervisory Committee, which consists of the following members: Dan Green, Matt McClelland, Pat Wuenstel.

Newsletter ContestTo enter, simply answer the following questions, then detach the form and return it to the Credit Union office. Entries must be received by January 31, 2019. If your name is drawn, you’ll win a $25 Gift Card. You must be a member to win.

1. The lowest rate I can receive on a 2016 and newer auto loan is ____________ % APR through February ______, 2019.

2. The maximum limit for an IRA contribution for 2019 is $________________, plus an additional $________________ for

those ages 50 and older.

3. Consolidation of debt can be done through a ________________ loan, which has a lower APR of ____________% until

February ___________, 2019.

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Address ���������������������������������������������������������������������������������������������������������������������������������������������������

Phone Number ____________________________ Account Number ����������������������������������������������������������������������������������������

Congratulations to the winners of our Fall 2018 newsletter contest: Sherry McFarren, Michael Vavro, and Terry Ford.

They each won a $25 Gift Card.

MAIN OFFICE HOURS: Monday, Tuesday, Wednesday

9:00AM - 4:30PMThursday & Friday 9:00AM - 6:00PM

(Branch Hours Vary)

CONTACT US:Main Office - 724-284-2020

BC3 Campus - 724-431-4702Karns City - 724-756-6700

Mars - 724-779-9090

www.ArmcoCU.com

IRA Required Minimum Distribution NotificationPayments from your IRA are subject to Federal income tax withholding, unless you elect no withholding. You may change your withholding election at any time prior to your receipt of a payment.

You will need to contact us to change your withholding election and to complete the appropriate form. Withholding from IRA payments, when combined with other withholding, may relieve you from payment of estimated income taxes. However, your withholding election does not affect the amount of income tax you pay.

You may incur penalties under the estimated tax rules if your withholding and estimated tax payments are insufficient. You do not need to contact us unless you wish to make any changes to your existing allocations.

“I Will STOP Paying ATM Fees!”

Why pay a surcharge just to get your own money? Avoid those crazy ATM fees with these easy alternatives…

1. Use a Credit Union ATM Armco CU partners with hundreds of other credit unions to provide

thousands of free ATMs. Visit www.ArmcoCU.com for a list of free ATMs.

2. Get Cash Back Using Your CU Check Card When you make a purchase using your CU Check Card, you can get cash

back at point-of-sale (POS) without paying a surcharge. Simply state “debit” when the cashier asks the type of transaction you’re performing and then ask for cash back.

3. Visit Any GetGo or Sheetz Convenience Store Two of the leading convenience retailers now offer no surcharge ATMs in hundreds of locations across the region. Visit www.sheetz.com and www.getgocafe.com for locations.

Surcharge-Free ATMs near Butler County

Armco CUMain Office

101 Hollywood Dr., Butler BC3 Student Success Center

107 College Dr., Butler Karns City Branch

106 Petrolia St., Karns City Mars Branch

963 Route 228, Mars Butler Memorial Hospital1 Hospital Way, Butler

Butler Health SystemCrossroads Campus

127 Oneida Valley Rd., Butler

Clearview FCU600 Butler Crossing, Butler

Freedom United FCU8 Northgate Plaza, Harmony

1100 Center Ave. • Butler

356 New Castle Rd. • Butler

499 Evans City Rd. • Butler

249 Pittsburgh Rd. • Butler

1518 N. Main St. • Butler

1329 Freedom Rd. • Cranberry Twp.

2000 Ehrman Rd. • Cranberry Twp.

103 North Main St. • Harrisville

717 S. Pike Rd. • Sarver

107 Franklin St. • Slippery Rock

5300 Route 8 • Gibsonia

12000 Perry Hwy • Wexford

1002 California Ave • Natrona Heights

100 Walnut St • Kittanning

1024 North Main St.Butler

20570 Route 19Cranberry Twp.

1737 Route 228Cranberry Twp.

710 S. Pike Rd.Sarver

204 Seven Fields Blvd.Seven Fields

4099 Grandview DriveGibsonia

640 Kelly Blvd.Slippery Rock

140 Towne Center Dr.Wexford

Here’s a New Year’s resolution you’ll want to keep...

ARMCOCREDIT UNION

Pittsburgh Central FCUKuhn’s Market

20111 Route 19Cranberry Twp.

SRU FCU235 Grove City Rd.

Slippery Rock

SRU Watson HallSlippery Rock

USX FCUButler Auto Auction

21095 Route 19 Cranberry Twp.

1293 Freedom Rd. Cranberry Twp. 1694 Route 228 Cranberry Twp.

479 N. Pike Rd. Sarver

Although the above listed non-Armco CU machines are surcharge free, they are considered foreign ATMs. The Credit Union allows up to 10 foreign ATM transactions per month at no fee, and a $1 fee per transaction thereafter.

Armco Credit Union would like to thank you for voting us as Butler’s Best Bank for 2018, through the annual Butler Radio Network’s “Butler’s BEST” contest. Through this contest, voters from the community vote on the best organization among many categories, including: Diner, Family Entertainment, Car Dealer, Coffee Shop, Home Improvement, HVAC, and many more. There were over 45,000 total votes cast, and the banking category included 15 financial institutions. We are so grateful to be chosen as “Butler’s BEST.”

We look forward to continuing to provide great service and excellent rates in 2019!

To help protect you and your personal information against fraudulent activity, we are releasing new cards with built-in EMV (chip) technology.

Stay tuned for further details in 2019

NEW DEBIT CARDS

Voted #1Bank