Summer 2023 Newsletter

Summer Savings

Loans for whatever you have your heart set on this summer!

New & Used Vehicles

As LOW as 7.24% APR* for 72 months
2020 Models and NEWER


As LOW as 5.99% APR* for the first 12 months

Fixed Home Equity

As LOW as 5.45% APR* for 60 months

Personal Loans

As LOW as 9.74% APR* for 60 months

Platinum VISA Credit Card

As LOW as 9.90% APR*
No Annual Fee / No Balance Transfer Fee / No Cash Advance Fee

*APR = Annual Percentage Rate. Other rates and terms available. Actual rates given based on credit worthiness. All rates and conditions can change at any time. For complete detailed information on restrictions, conditions and qualifications please see the credit union.

Presidents Message

I started my career in banking about 30 years ago working for a small hometown bank as a staff accountant. In those 30 years, I have seen the many ups and downs of our country’s economy and the interest rate fluctuations that have occurred. However, I have never experienced the dramatic rise in interest rates that we have experienced over the past year. This rapid increase in interest rates has created many challenges both in the personal lives of members and here at your credit union. Just like in our personal lives where everyday living expenses have increased, the cost of doing business for the credit union has increased as well.

Our executive team monitors interest rates, expenses, and the state of the economy on a daily basis so that we make the best decisions to keep our members money safe and operate our credit union prudently. We also want to ensure that we continue to offer competitive loan rates and savings dividend rates to our members.

One of the biggest news stories recently has been bank failures in our country. These failures have created doubt and concern among consumers about our country’s banking system. The financial services industry continues to face earnings pressure and liquidity tightening as a result of the recent rapid rise in interest rates. I want to reassure members that USX Federal Credit Union continues to be a strong and healthy financial institution. Throughout our 84 years of service, our members have trusted us to protect their savings and provide them with the loans needed to manage their financial lives. That will continue.

The cooperative nature of a credit union is one of the most meaningful concepts that makes credit unions so different from commercial banks. As members, we are all working together to make our credit union successful for the benefit of all. As a member-owner of USX Federal Credit Union, there are things you can do to ensure your credit union is available to you for years to come.

  • Make the credit union your primary financial institution. Bank with us!
  • Invest and save with the credit union. There are fantastic dividend rates available.
  • Borrow with the credit union. Our interest rates are very competitive.
  • Utilize the electronic services available: online banking, mobile banking, online bill pay, e-statements.
  • Refer the credit union to your family and co-workers. To help grow our credit union.

We work hard to live this idea every day. Our staff is available and ready to serve you with any of your banking needs. I encourage you to call or visit and let us help provide solutions to your financial needs. Thank you for your membership and have a great summer!

Mark A. Volponi
President & CEO


The Board of Directors and Staff would like to welcome the following new companies, associations and their employees or members to U$X FCU:

R&S Builders

Remember if your co-workers are not yet members of U$X FCU, you can get paid for introducing them to the credit union. Ask our staff how.

Congratulations to USX Member Aidan Dyga!

Each year the Beaver Valley Chapter of Credit Unions offers scholarships to high school and college students that are attending or planning to attend an accredited educational institution. This year, USX FCU member Aidan Dyga was a winner of one of the Beaver Valley Chapter of Credit Unions 2023 Student Scholarships!

Aidan is a graduate of North Allegheny High School where he graduated with honors. Aidan was also a multi-sport athlete excelling in soccer and track and field. This fall, he will be attending Allegheny College, where he will be studying Business Administration. Aidan’s professional goal is to become a Certified Financial Planner. He believes that becoming a CFP along with his strong interest in helping others will allow him to positively impact the financial lives of people. In the future, he has a desire to start a financial education non-profit that would provide general financial education to high school and college students.

The Board of Directors and Staff of USX FCU would like to congratulate Aidan on his many accomplishments and wish him much success as he continues his education.

Congratulations to the Incumbents!

The results from the 2022 Annual Meeting election of officials are in, and all incumbents were re-elected to serve as volunteer members of the USX FCU Board of Directors for a three-year term.

They are Mr. Albert J. Flynn, Jr., Vice Chairman and Mr. Richard C. Nichols, Director.

Congratulations to all our volunteers.

Tech Tips: PayPal Payment Ploy

Recently, cybercriminals have taken advantage of PayPal, the popular international online payment platform. Cybercriminals are spoofing PayPal in order to try and steal your personal or financial information.

In this scam, cybercriminals send you a phishing email saying that one of your PayPal payments did not process and that you need to act fast. The email contains a phone number allegedly from PayPal, prompting you to call. This phone call appears legitimate, but it is actually from cybercriminals spoofing PayPal. If you call this number, cybercriminals can trick you into giving away your personal or financial information.

Follow the tips below to stay safe from similar scams:

  • Be cautious when giving your financial information to someone over the phone. Instead, avoid using phone numbers provided in emails and navigate to the organization’s official website.
  • Be suspicious of emails that contain a sense of urgency. Cybercriminals use a sense of urgency as an attempt to catch you off guard and get you to click or act impulsively.
  • Remember that this type of attack is not exclusive to PayPal. Cybercriminals could use this technique to impersonate any organization in any country.

The KnowBe4 Security Team
STOP, Look and Think….Don’t Be Fooled

Finally... a rate worth celebrating!

5.00% APY*
for 15 months with a minimum deposit of $5,000.00 New Money!

You work hard for your money…
Celebrate your money working hard for you!!

* APY=Annual Percentage Yield. Share Certificate requires a minimum deposit as indicated above. Fees could reduce earnings. Limited time offer and subject to change or withdrawal without notice. This limited time offer carries significant penalties for early withdrawal. Please see credit union for full details. New money only. This offer is not available for rollovers or transfers from other USX Federal Credit Union deposit accounts. Other terms, dividend rates and investment options available. Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.

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