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


A & S Federal Credit Union knows its members by name and counsels each individual to meet their unique needs with competitive rates, a broad range of options and administrative conveniences that ensure a comfortable experience.

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MEMBERS® Auto & Homeowners Insurance Program

You trust A&S Federal Credit Union to provide you and your family with quality products and services to meet your financial needs. We’ve joined with a dedicated team of insurance professionals to bring you the MEMBERS® Auto & Homeowners Insurance Program.

About the Program

  • The MEMBERS Auto & Homeowners Insurance Program is the property and casualty coverage solution preferred by credit unions and their members.
  • Access convenient e-service, pay your bill or make changes to your policy, even report a claim.
  • Receive fast, easy access to claims service 24 hours a day.
  • Obtain a free, no-obligation quote.

The MEMBERS Auto & Homeowners Insurance Program is made available by CUNA Mutual Insurance Agency, Inc. and underwritten by leading insurance companies. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify. Discounts are not available in all states and discounts vary by state. A consumer report from a consumer reporting agency and/or motor vehicle report will be obtained on all drivers listed on your policy where state regulations allow. The insurance offered is not a deposit and is not federally insured or guaranteed by your credit union.

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MEMBERS® Life & Accident Insurance

Your membership at A&S Federal Credit Union affords you many benefits. One of these benefits is the availability of Life Insurance and Accidental Death & Dismemberment (AD&D) Insurance.

At A&S Federal Credit Union, we believe in your financial security.

That’s why we’ve made available this important coverage to help protect your future. As a part of our family, you can get valuable protection at affordable rates. Insurance is sold by CUNA Mutual Insurance Society. This insurance is not a deposit and is not federally insured or guaranteed by your credit union.

Insurance Products

Sallie Mae Smart Option Student Loans

Student Loans

A & S Federal Credit Union Fee Schedule

Abandoned Account (Escheat) Fee $100.00
Account Closed within 90 days $5.00
Bad Address Fee $5.00/month
Cashier’s Check Fee $5.00
Check Cashing Fee (non-member, A & S FCU check) $5.00
Check Copy Fee $2.00
Foreign Check Items
          Deposit/Cash Check $10.00
          Collection of item $16.00
          Return Check $30.00
Dormancy Fee (after 12 mos. inactivity) $5.00/quarterly
Debit or Credit Card Replacement Fee $10.00
Instant Issuance of Debit Card $15.00
IRA Transfer (to another financial institution) $50.00
Returned Item Fee for ACH or Check $25.00
          each subsequent ACH/check same day $15.00
Research Fee $10.00/hour
Stop Payment Fee $15.00
Wire Transfer
          Incoming $20.00
          Outgoing $25.00
Skip-A-Pay $35.00

Skip-A-Pay Program

You may qualify to skip your monthly loan payment if:

  1. Your loan is current and you have made a loan payment in the last 45 days
  2. You have not already skipped a payment on you loan within the last 6 months
  3. You have made at least 6 monthly payments on your loan
  4. You have not declared bankruptcy or had a loan modification
  5. Your loan is not a mortgage, home equity loan, or a VISA credit card


Accounts that participate on our Skip-A-Pay program will not be charged a late fee for the payment skipped; however, finance charges will continue to accrue on your loan at the rate set forth in the applicable Loan Agreement/Note.  For all loans on which a skip payment is approved, immediately following the skipped payment period, your monthly payments will return to their regularly scheduled amounts and due dates as specified in your Loan Agreement/Note. By requesting Skip-A-Pay and returning your signed form to A & S Federal Credit Union, (1) you agree to make payments in the regularly scheduled amount every month until you have paid all of the principle and interest and any other charges you may owe under the Loan Agreement/Note; (2) you agree that negative amortization may occur during the period of skipped payment; (3) you agree that negative amortization will increase the amount you owe under the Loan Agreement/Note and will reduce your equity in any property or collateral which secures the account; (4) you agree that all other provisions of said Loan Agreement/Note shall remain the same and in full force and effect; (5) you agree that you and A & S Federal Credit Union do not indent to affect a novation of the indebtedness represented by the Loan Agreement/Note as a result of your participation in the Skip-A-Pay program. You acknowledge and agree to a Skip-A-Pay fee of $35.00 per loan, which is due and payable on each loan at each time a skipped payment is approved.  If you have indicated on the request form to have the fee withdrawn from your account, you authorize A & S Federal Credit Union to debit any account you have at A & S Federal Credit Union for such fees.  You may choose to pay the fee by check.  The Skip-A-Pay program is not available for VISA credit cards, mortgages, home equity loans or mobile home loans. The maximum number of seven (7) skips is allowed over the life of each loan.  You must meet the Credit Union’s underwriting criteria and qualifications. The Credit Union reserves the right to deny Skip-A-Pays on any loan for any reason. All member and loan accounts must be in good standing. You cannot qualify for the Skip-A-Pay program if you have a loan modification, due to hardship on any of your loans. You will be notified when your skipped payment is completed or if your request is denied. Contact A & S Federal Credit Union for more details at 724-375-0248 or by email at

By completing and returning the Skip-A-Pay Application Request (form below) you agree to the above terms and conditions. Members can submit completed Skip-A-Pay Request Forms via email, fax, mail or drop off in office.

  • Fax – 724-375-8948
  • Mail  – 2283 Brodhead Rd, Aliquippa PA  15001


Skip-A-Pay Request Form (PDF)

Online Services

Home Banking, Bill Payment, Electronic Statements
Online with Clarke American Checks
Loan Application
Surcharge-Free ATM Search

Links are provided as a convenience to our members.  By clicking a link you will be leaving the credit union’s website.  We are not responsible for the content of information on these linked websites.