Serving people who live, work, worship or attend school in Beaver County, Pennsylvania


The A & S Federal Credit Union was established in March of 1940 by a handful of individuals who foresaw the need for a financial institution to serve people of ordinary means. The credit union, formerly know as the A & S RR Employees Federal Credit Union, was formed with money deposited by people who worked on the Aliquippa & Southern Railroad. This credit union has never received any money from any other source other than members’ deposits. By pooling their money, employees of the railroad were able to establish a financial institution that paid a good return on their savings while offering low rates on loans for employees who needed to borrow. The true story is in the individual members who, over the years have demonstrated their faith in this credit union by remaining loyal and enabling us to carry out the credit union philosophy which is people helping people.

Our Mission:

A & S Federal Credit Union is a member-based financial institution whose main purpose is to provide exceptional customer service, affordable and competitive rates on loans and deposit accounts and offers a wide range of free or low cost financial services.

We maintain a long tradition of financial integrity, strength and stability through our dedicated leaders and professional staff.

A & S Federal Credit Union will continue to grow to meet the needs of our members and community in which we serve.

Our Vision:

A & S Federal Credit Union will continue to expand its products and services to meet the demand in the ever-changing economic environment. 

A & S Federal Credit Union will explore every opportunity for growth if it is deemed beneficial for our membership, making the organization stronger and guarantee our long-term success.

Holiday Hours

The A & S Federal Credit Union will be closed to observe the following holidays:

  • New Year’s Day
  • Martin Luther King, Jr. Day
  • President’s Day
  • Good Friday (closing at 1:00)
  • Memorial Day
  • Juneteenth
  • Independence Day
  • Labor Day
  • Columbus Day
  • Veterans Day
  • Thanksgiving Day
  • Christmas Eve
  • New Year’s Eve
Board of Birectors
  • John Morelli, President
  • Robert Baron, Vice President
  • Patricia Shuster, Treasurer
  • Cletus Scalo, Secretary
  • Robert Cellini
  • Jeffrey Faller
  • Scott Smith
  • Supervisory Committee:  Scott Smith, Chairman | Robert Zwierzynski | Robert Years
  • Credit Committee: Cletus Scalo, Chairman | Robert Baron | Jeffrey Faller