Spring 2024 Newsletter

Kid and a man doing home projects - three people smiling with ship in the background - happy graduating woman hugging a man

*APR = Annual Percentage Rate. Rates subject to change without notice. Rates based upon individual creditworthiness. Other rates and terms available. All loan approvals are subject to normal loan underwriting guidelines. Minimum real estate secured loan amount is $10,000 with a maximum loan to value of 80% and first lien position. Applies to owner-occupied property in PA and OH, other restrictions may apply. Current U$X FCU Home Equity or Home Loans are not eligible for refinancing, unless an additional $10,000 is borrowed. Consult your tax advisor for potential tax savings. **U$X FCU pays all closing costs ranging from $100 to $1500 (excluding Title Insurance policy if required). See credit union for details.

Presidents Message

As I talk with my family and friends, it seems that everyone is so busy. Whether it’s work, taking children to their sporting event or taking care of an
elderly family member, everyone is busy.

It’s hard to squeeze banking into our busy schedules. It is true that our branch office staff enjoys the opportunity to serve our members when they visit our offices. The ability to discuss your finances and how they can help save you money or inform you of a product or service that can solve a problem for you is one of the reasons many of our staff enjoy their jobs so much.

However, more and more of our members prefer to do their banking without visiting an office. That’s why over the years USX FCU has added and enhanced our self-serve products and services with many FREE or low cost options that allow you to bank whenever you want, wherever you want, and how you want. Everything from payroll direct deposit, online banking with bill pay, E-statements, our mobile app, remote check deposit, tap and go Apple Pay and Google Pay and the 90,000 ATMs nationwide, just to mention a few. I encourage you to utilize these products to make your life a bit easier. You can do your banking when you have some down time to get some of the important things taken care of without waiting until business hours or jumping in your car and having to drive to an office.

No matter how you decide to do your banking, USX FCU appreciates your
business. If you have questions on any of our products and services, please visit
an office, visit our website, or give us a call.


Mark A. Volponi

Security Hints & Tips

Countless people around the world are experiencing economic strain. It’s no surprise that cybercriminals are ready to take advantage of this situation.
In fact, they’re using a unique social engineering tactic to gain your trust and steal your money. 

In a recent scam, cybercriminals claim you can earn cash by simply liking YouTube videos. To convince you that the job is legitimate, they send you a few dollars after your first day of “work.” Later, you’ll be offered an opportunity to join an exclusive list of VIPs who make
even more money. Of course, you’ll have to invest to become a VIP. How much? Up to $1,000. Once paid, you can expect the cybercriminals to take the money and run.

Follow these tips to stay safe from similar scams:

  1. Be cautious of offers that seem too good to be true. Cybercriminals will use unrealistic offers to lure you into their scams
  2. This attack exploits the excitement and hope of earning easy money. Don’t let cybercriminals play with your emotions.
  3. Legitimate businesses will never ask you to pay money to get a job. Anyone who asks you to do so is trying to scam you.


Stop, Look, and Think. Don’t be fooled.

Annual Meeting Reminder

We invite you to attend USX FCU’s upcoming Annual Meeting.

This yearly event is your chance to hear about the credit union’s successes in the past year and the challenges facing it in the future. Many important decisions are made regarding your credit union at the Annual Meeting each year. And you can have a say in those decisions by attending and voicing your opinion. This opportunity only comes along once a year…don’t miss out on it!

Date: Wednesday April 17, 2024
Time: 6:30 PM
Place: Cranberry Highlands Golf Course
5601 Freshcorn Road
Cranberry Twp. PA 16066

NEW - VISA Credit Card Enhancements!!

USX FCU is continually working to improve your banking experience. In our last newsletter, our CEO Mark Volponi briefly outlined several of the NEW and exciting projects and product enhancements that are coming in 2024. The first in 2024 has been the upgrades to our VISA Credit Card program for members. 

Starting in February, VISA credit cardholders were automatically enrolled in our new Premium Texting service to help prevent fraud. If a cardholder’s transaction is “flagged” suspicious or was denied, if a text enabled telephone number is on file, within 30 seconds of the denial, the cardholder will receive a text message to verify the transaction. A simple “YES” or “NO” answer will determine if the transaction is processed or a restriction is placed on the card. If the cardholder does not respond to the text message within 15 minutes, a voice call will be attempted to all telephone numbers on file. 

The second enhancement to our VISA credit cards was our conversion to a new processing platform that has provided a more user friendly experience for members that use the online services. A “new look” VISA credit card website and online monthly statement, along with a smoother option to make your monthly payments, are the highlights of the new platform. 

Lastly, our Card Trac app allows you to manage not only your USX FCU VISA credit cards, but also your debit card. In addition to being able to turn your cards “ON” and “OFF”, getting alerts when your cards are used and many other capabilities to help manage your cards and prevent fraud, the ability to create a VISA credit card “Travel Plan” is now available. Previously, if you were traveling outside your “home area”, whether out of state or out of the country, we suggested that as a member you call USX FCU to inform us of your “travel plans” so that we could ensure that both your debit and credit card would not be declined while traveling when making a purchase. NOW, by downloading and using the Card Trac app, you can schedule your travel plan without contacting the credit union. This can save you the embarrassment of a credit or debit transaction being declined while traveling and also prevent fraud.

Give High Auto Rates the Boot!

Step into better, lower rates at USX Federal Credit Union!

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