Winter 2022 Newsletter

Woman holding USX Coffee Mug with Credit Cards beside it

A savings you can warm up to.

Transfer your high-interest balance to a USX FCU Visa® credit card.

6.49% APR*
through September 30th, 2023

*APR = Annual Percentage Rate. Introductory balance transfer rate of 6.49% APR is valid January 1, 2023 – March 31, 2023. Promotional rate expires on September 30, 2023. 6.49% APR is valid on balance transfers only and does not apply to new purchases or cash advances. Following promotional period, rates will vary from 9.90% APR to 15.90% APR for the Visa® Platinum Card and 17.90% APR for the Visa® Blue card. Rate will be determined by overall creditworthiness. Visa® Blue card carries a $50.00 annual fee. Not all will qualify. See credit union for details.

Presidents Message

To our valued members:

I’m very pleased to announce that the largest and most significant project ever undertaken at USX Federal Credit Union is complete. For the past year I have been informing you of our conversions to a new data processing system, and a new online and mobile banking platform in the fall of 2022. The actual conversion was completed the weekend of October 1, 2022. Now our members and staff move into the next phase of the conversion process, which is taking advantage of the new features and capabilities of the systems and becoming comfortable using them.

Overall, we believe that the conversion went very well, but as with any undertaking of this size and scope, we have a few issues that we continue to work on. We also realize that there were some member challenges the first week or so after conversion weekend and that there were difficulties when trying to reach us by phone. I would like to apologize for any inconvenience this may have caused. Not only did we experience a high call volume, but the average length of each call increased as our staff worked to resolve our member issues. We greatly appreciate your patience throughout this process and hope you are as excited about the new online and mobile products as we are.

Your credit union has some big things planned for 2023. Look for additional information and updates throughout the coming year. In the meantime, our entire staff and I wish you and your families a happy and prosperous New Year.

Mark A. Volponi
President & CEO

Mark Your Calendar

2023 will mark the 84th year that USX FCU has provided members with advantages in every aspect of their financial life and the confidence of financial security. We invite you to attend USX FCU’s upcoming 84th 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 12, 2023
Time: 6:30 PM
Place: Cranberry Highlands Golf Course

Notice of Election

Notice is hereby given that two Directors will be elected to the USX Federal Credit Union Board of Directors at the 2023 Annual Meeting.

The following two people have been nominated for election by the Nominating Committee:

Albert J. Flynn, Jr. – Mr. Flynn has been a credit union volunteer since 1974. His involvement began as a member of the Supervisory (Audit) Committee. He was elected to the Board of Directors in 1990. He has served as Vice Chairman of the Board of Directors for the last 13 years. Mr. Flynn retired from the Real Estate / UEC division of U S Steel Corp. in 2006 after 41 years of service.

Richard C. Nichols – Mr. Nichols has been a credit union volunteer since 1992 and a Board of Directors member since 2001. Mr. Nichols retired from Aristech Corporation and its predecessor U.S. Steel Chemicals Corporation where he worked in various capacities within the Accounting Department for 36 years.

Additional nominations for election to the Board were solicited from the membership in the Fall 2022 issue of the newsletter USXtra. No additional nominations have been received. Accordingly, election of the nominees will be affirmed at the meeting. No nominations will be accepted from the floor during the Annual

Mashawn A. Lorenz, Secretary
December 20, 2020

Wake Up Your Dormant Accounts!

U$X Federal Credit Union is required to report Unclaimed Property (escheat) to the Pennsylvania and Ohio Department of Revenue for accounts that have been “dormant” in accordance with state law. An account is considered dormant if there have been no member initiated withdrawals, deposits or transfers made during this period. The best way to be safe is to WAKE UP your account by making a deposit and watching your U$X FCU accounts grow. If you are unsure of the status of your account, please contact your local office by calling 1-888-219-3159.

Student Scholarships Available

The following credit union chapters will be offering various student member scholarships for 2021.

  • The Beaver Valley Chapter of Credit Unions will be offering three $500, one $1,000 and one $1,500 scholarships.
If you are a USX Federal Credit Union® student member, you may qualify.

Scholarship requirements:

  • Applicant must complete and submit a typed or printed Beaver Valley Chapter, or A-K Valley Chapter scholarship application and the requested information on the application.
  • All Beaver Valley Chapter applications and required information must be sent to the address indicated on the application and postmarked no later than March 1, 2023.

NOTE: Other requirements for each individual scholarship offer are listed and explained on the respective application.

To receive the application information for the student scholarships please contact Tim Wojtaszek via email

Home Equity Line of Credit

Fixed rates as low as
1.99% APR*
for the first 12 months with no closing costs!**

An introductory rate of 3.99% APR (Annual Percentage Rate) will be locked in for 12 months from loan closing date. The APR will be adjusted on the first day of the month following the 12 month introductory rate period. After the introductory period, the rate will be a Variable APR. The applicable rate will be determined by the Wall Street Journal Prime Rate. The rate is subject to change on the first January, April, July, and October. Margins are added/subtracted according to Plan. Plan 1= (Prime -1.0%) Plan 2= (Prime-0.5%) Plan 3= (Prime) Plan 4= (Prime +1.0%) *Caps- The rate cannot increase or decrease more than 2% in any one-year period. Will not never be more than 18% or less than 4%. Promotional offer cannot be combined with any other offer, expires on March 31, 2023. See credit union for details.

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