New Mars Branch Under Construction

COMMUNITY ROOM. The purpose of the community room is two-fold. Community groups and businesses may reserve the room at no charge to hold meetings and events. The room also serves as a disaster relief area in the event a disaster occurs at the main branch in Butler.

FULL-SERVICE BANKING AND LENDING. Comfortable atmosphere where all full-service banking activities may occur. Loan officers will staff the branch to provide personal service for mortgage, home equity, auto, personal and business loans. Members Financial Services will provide financial planning and money management services.

TECH BAR. As more banking transactions occur online, the tech bar enables our staff to provide one-on-one instruction to members who may need assistance with new technologies.

CONVENIENCE. Two drive-thru teller lanes and dedicated ATM drive-thru lane.

ENVIRONMENTALLY RESPONSIBLE. The construction of our 6,715 sq. ft. green building will follow sustainable guidelines.

Highlights of the New Mars Community Banking CenterArmco Credit

Union is pleased to announce the construction of a new Mars branch!

The new building will be located at the busy intersection of Rt. 228 and Myoma Rd. The target date for completion is December 2020.

As Butler County continues to grow, the new branch signifies the credit union’s 85-year commitment to serving the financial needs of the county’s residents. The new building will provide better service and convenience for our members who reside in the southern corridor of the county.

According to Randy Cypher, CEO, “the new Mars branch will position the credit union to achieve continued growth for generations to come.”

The Mars branch, formerly the Southern Butler County Community Credit Union, was acquired by Armco Credit Union in 2015. They were established in 1954 as Callery Credit Union to serve the employees of Callery Chemical and Mine Safety Appliances in Evans City.

Dawn Scott-Barill, the current manager of the Mars branch, was the CEO of Southern Butler County Community CU when the board and members elected to merge. They interviewed multiple credit unions before choosing Armco CU.

“Armco Credit Union was hands down the outstanding choice,” said Barill. “They demonstrated the same passion for member service and improving the financial life of our members that Southern Butler County Community Credit Union always held as a priority. They had a strong proven financial history and they also held their employees in high regard. Needless to say, we were impressed before we merged, and in the five years since the merger, they have lived up to our expectations.”

Waiting area Community room

A Message fromMEMBERS Financial Services

Perhaps you’re just starting out, beginning to build the foundation for your future. Or maybe you’re an empty nester, with the newfound freedom to travel and pursue lifelong dreams. Or you might be nearing or at retirement, hoping to maintain a comfortable lifestyle while ensuring you won’t outlive your assets.Whatever your stage of life, Charles Headley and Joseph Motisi, the MEMBERS Financial Services Representatives serving Armco Credit Union can help, with top-notch financial and investment advice and a full spectrum of investment tools and options designed to help you achieve your dreams.Chuck and Joe have the depth of knowledge and the breadth of experience to help you get where you want to go. From a full range of offerings, they can help you choose the investment options that will help you best reach your financial goals.At Armco Credit Union, we’ve built a wealth of trust with you. Now, trust us and MEMBERS Financial Services to help you build your wealth. To arrange a no-cost, no-obligation meeting, simply call 724-284-2020 x1030 at Armco Credit Union.

» 401(k) Pension Rollovers** » Life Insurance » Retirement Planning » Long-Term Care Insurance » Education Funding » Wealth Management » Mutual Funds

** Prior to requesting a rollover from your employer sponsored retirement account to an Individual Retirement Account, (IRA), you should consider whether the rollover is suitable for you. There may be important differences in features, costs, services, withdrawal options and other important aspects between your employer sponsored retirement account and an IRA.

* Representatives are not tax advisors or legal experts. For information regarding specific tax situations, please contact a tax professional. For legal advice, consult an attorney.

Securities sold, advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor. 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. FR-2964803.1-0220-0422

Spotlight on Banzai CoachHave you visited our new Banzai Financial Literacy website yet? It’s filled with financial articles and tips for all ages. There are also 11 interactive coaching modules to help guide you through specific topics.Visit armcocu.learnbanzai.com/wellness/coaches. Note: We do not collect any of the personal information you type into the module.

» Get Out of Debt » Your First SBA Loan

» Filling Out the FAFSA » Build Your Emergency Fund

» Create a Budget » Setting Up Your Business

» Basic Bookkeeping » Am I Ready to Retire?

» Retirement Funds » Term Life Insurance

» HSA vs FSA

Important Updates to the Expedited Funds Availability Act (EFA ACT)Effective July 1, 2020 the following changes will be implemented to our funds availability policy for certain checks that have a hold placed on them at time of deposit.

Reservation of right to hold checks deposited at the Credit Union. The minimum amount of deposited funds that the Credit Union makes available for withdrawal by opening of business on the next day for certain check deposits is increased from $200 to $225

Deposits at Nonproprietary ATMS. The amount the Credit Union makes available when using the EFA Act’s permissive adjustment to the funds-availability rules for withdrawals by cash or other means is increased from $400 to $450

New Accounts (For First 30 days). The amount of funds deposited by certain checks in a new account that are subject to next-day availability is increased from $5,000 to $5,525

Large Deposit Exception. The threshold for using an exception to the funds-availability schedules if the aggregate amount of checks on any one banking day exceeds the threshold amount is increased from $5,000 to $5,525

Repeat Overdraft Exception. The threshold for determining whether an account has been repeatedly overdrawn is increased from $5,000 to $5,525

Charles E. Headley, CRPC®

Vice President, Wealth ManagementJoseph Motisi

Associate Financial Advisor

FOR ALERTS, EVENTS & GIVE-AWAYS» Notifications. Important news, branch closings, scheduled maintenance » Announcements. Scholarships, workshops, new products» Financial Education. Various financial articles and fraud alerts» Promotions. Contests and free give-aways

Choose from THREE new Visa credit cards.Get 2% Cashback Rewards on all your qualified purchases in 20201. As a thank you for your continued membership, this is our gift to you as we celebrate 85 years of savings and service. You will receive 1.5% cashback after Dec 31, 2020.

FEATURES OF ALL THREE CARDS:

CONSUMER CARDDesigned for members with established credit. Features all the above benefits plus a non-variable rate as low as 9.99% APR.3

SECURED CARDEarn rewards while building your credit score. Enjoy the benefits listed above plus the low non-variable rate of 7.99% APR.*

BUSINESS CARDSpend your time running your business, not redeeming rewards! Easily track expenses. No charge for extra cards to give employees. Enjoy the same benefits listed above plus the low non-variable rate of 9.99% APR.3

APPLY TODAY!

ONLINE OUR MOBILE APP IN-PERSON ON THE PHONE

HOME BANKING Easy. Secure. Convenient.We love interacting with members at our branch locations! When you’re simply too busy or when you’re under the weather, nothing beats online and mobile banking. Perform transactions anytime, anywhere.If you need help setting up online banking or downloading our mobile app, please stop by any branch and our friendly staff will help you set it up. We can also show you how to pay bills online, deposit checks remotely or any other feature listed here.Online Banking» View account balances and history of ALL your » Apply for loans CU accounts: deposits, loans, CDs and Visa card » Open accounts» Receive electronic alerts » View copies of checks» Transfer money between accounts » Receive e-statements» Pay bills and schedule paymentsMobile Banking» Use all the features as online banking plus…» Search for nearby surcharge-free ATMS» Turn access to your debit card on and off with card controls» Deposit Checks by snapping a picture

Loan RatesAUTO Term (months) APR*2018-2020 0 – 36 2.50% 37 – 60 2.75 61 – 72 3.25 73 – 84 4.002017 0 – 60 3.25 61 – 72 3.75 73 – 84 4.502016 0 – 60 3.75 61 – 72 4.502015 0 – 54 3.75 55 – 66 4.502014 0 – 48 4.00 49 – 60 4.752013 0 – 48 4.50 49 – 60 5.252012 & older 0 – 36 4.50 37 – 48 5.25. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .HOME EQUITY Term (months) APR*1st Lien 0 – 60 3.12%(0-85% LTV) 61 – 84 3.34 85 – 120 3.56 121 – 180 4.04 181 – 240 4.282nd Lien 0 – 60 3.87(0-85% LTV) 61 – 84 4.09 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 (with fixed rate option) 4.75APR reflects $150 Origination Fee on $50,000 loan amount. Minimum Home Equity loan amount is $10,000.. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .MORTGAGE Call or view website for rates. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .OTHER 0 – 36 11.25%COLLATERAL. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .PERSONAL Savings Secured 0 – 60 2.25%Signature 0 – 42 11.00Line-Of-Credit 10.50VISA - Call or view the website for rates. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .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 5.25%.. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .DIVIDEND RATES Federally Insured by NCUAAvg. Daily Balance Rate APY**Savings & IRA Savings1

0.01 - 10,000 0.25% 0.25%10,001 - 25,000 0.35 0.3525,001 - 50,000 0.45 0.4550,000.01 - above 0.50 0.50Checking0.01 - above 0.15% 0.15%Christmas Club1

0.01 - above 0.25% 0.25%Certificates and IRAs2 Call or view the website for rates

Rates as of March 1, 2020

*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, except Certificates and IRAs.2Certificate and IRA rates subject to change up to the time of purchase or renewal. Normal rate changes made on Wednesdays. Certificates, IRAs, and Christmas Clubs subject to penalty for early withdrawal.

» No annual fee» All cards feature cash back on all purchases2

» Cashback Rewards automatically deposited into your Armco CU savings account every month» No fee for balance transfers

» No fee for cash advances» Visa zero fraud liability» View your purchases in real time on our mobile app or online banking» If you need card assistance, you’ll talk to a CU employee, not a voice at the end of an 800-number.

1Promotional Rate–Cash back accrues at the rate of 2.0% for NET qualifying purchases. (NET purchases are purchases minus credits and return) made with the participating card by Dec 31, 2020 at 11:59 pm, after which, cash back will accrue at the rate of 1.5% for NET qualifying purchases. 2Qualifying purchase include point of sale, credit and bill payment only. Please see Cash Back Rewards Visa® Credit Card agreement for important disclosures and additional details. 3APR=Annual Percentage Rate. 9.99% APR based on a high credit score; your actual APR is based on your creditworthiness at time of application. *APR = Annual Percentage Rate

Whether you’re wishing for a new car, a new home or a dream wedding—you know you can trust your credit union to offer great rates and personalized service. We make it easy to apply for loans...apply in-person, on the phone, online or our mobile app.

MORTGAGESDon’t just compare rates! Armco CU offers closing costs which are hundreds (sometimes thousands) of dollars less than our competitors. We will give you the best rate you qualify for without any haggling or surprises.

Our mortgage specialists offer personalized service and will patiently explain the various programs so you can make informed decisions. If you prefer a less hands-on approach, we can even handle everything online (except for closing).

» Mortgages & Refinances» Fixed or Adjustable Rates» Low Closing Costs» As Low As 0-5% Down Payment Required» Terms Up to 30-Years» Fast & Free Pre-Approvals» Conventional, FHA, VA, USDA and First-Time Buyer Programs» Apply online, in-person or over the phone

. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

HE-LOCK (Home Equity Line-of-Credit)Our signature product! HE-Lock combines the flexibility of the traditional home equity line-of-credit with the low fixed rate and term options of a home equity loan. LOCK-in different amounts, terms and rates under one convenient loan agreement and monthly payment, without the hassle of re-applying as your borrowing needs change1

» Fixed rates for up to 20 years2

» Up to 85% loan-to-value financing» Interest-only payment option» No annual fees» Minimum loan amount: $10,000» Interest may be tax-deductible3

1Variable rate based on Wall Street Prime, adjusted monthly. The index is the Prime Rate published in the Money Rates column of the Wall Street Journal. When a range of rates has been published, the highest rate will be used. We will use the most recent index value available to us as of 15 days before the date of any APR adjustment. $150 Origination Fee applies. 2Fixed rate option available at our current home equity loan fixed rates. 3Armco CU does not provide tax advice. Please check with a tax advisor.. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

STUDENT LOANSArmco CU and Student Choice have partnered to offer private student loans to help bridge the gap between federal aid and grants. Here are just a few benefits of pursing a CU student loan:

» Zero origination fee » Interest rates as low as 5.25% APR*» Deferment of principal balance and interest payments while attending school» One application for your entire undergraduate enrollment» Line-of-credit up to $50,000» Flexible repayment terms

*Annual Percentage Rate. The index rate is variable and will adjust quarterly, using the Prime Rate as published in the Money section of the Wall Street Journal on the first business day of the preceding month. Rates will range from 1-4% above the Prime Rate, with a floor rate as low as 5.00% as of April 1, 2020. Your rate will be determined based on credit approval. Other terms and conditions apply. Contact Armco CU for complete details.

Welcome to theCredit Union Family!

We recently added 17 new Select Employer Groups to our field of membership. If you know of an organization that would like to offer credit union membership to their employees, please contact mjurysta@armcocu.com. Help us spread the word that Armco CU membership isn’t just available to AK Steel and former Armco employees!

ACMH, KittanningAlloy Wheel of Pittsburgh, Pittsburgh

Belmont II, ButlerConlon Tarker, P.C., Butler

Corkboard Concepts, PittsburghCummings Candy & Coffee, ButlerEverdry of Pittsburgh, Evans City

Fugh Refrigeration, ButlerFun Fore All, Cranberry

Flying Squirrel, ZelienopleIntelomed, Cranberry Twp.

The Lighthouse Foundation, ButlerQuality EMS, Mars

Recon Brewing, ButlerPainting By Wayne, Pittsburgh

Seven Fields Veterinary Hospital, Seven FieldsSonneborn, LLC, Petrolia

BUSINESS SERVICESDo you own a business? Now your business can benefit from the same great rates, low fees and personal service you’ve come to expectfrom Armco CU. Forinformation, call us at 724-284-2020 option 4 or e-mail BizLoans@ArmcoCU.com

» Full Service Commercial Lending—Real estate, equipment, vehicle and lines-of-credit» Business Checking & Savings Accounts» Business Mastercard Debit Card» Cashback Rewards Visa® Business Card

HOLIDAY CLOSINGSYour credit union will be closed to observe the following holidays. ATM’s, online banking, mobile banking and Tele-R-Phone are always available 24/7.

MEMORIAL DAY – Monday, May 25, 2020

INDEPENDENCE DAY – July 4th falls on a Saturday, a day we are normally closed. We will be OPEN on Monday, July 6.