Explore Our Member Services
Financial solutions designed for real life.
At A&S Federal Credit Union, we’re proud to offer a full range of financial services to help you save more, spend wisely, and reach your goals — all with the personalized support you expect from your local credit union.
Whether you’re looking to open a checking account, apply for a low-rate loan, or manage your money on the go, we’re here to help you every step of the way.
Essentials for Everyday Banking
From flexible checking and savings accounts to mobile banking that keeps you connected on the go, these services make managing your money simple and secure.
Checking Accounts
No monthly fees, no minimum balance, and 24/7 access through online and mobile banking. Learn more about A&S FCU Checking Accounts »
Savings Accounts
Start saving with just $5 and earn dividends while keeping your funds secure. Learn more about A&S FCU Savings Accounts »
Youth Accounts
Our Youth Accounts are designed to help children and teens start building smart money habits. Learn more about A&S FCU Youth Accounts »
Certificate of Deposit (CD) Accounts
Lock in a higher rate with a fixed-term CD — safe, secure, and earning more for your future. Learn more about CDs and view current rate »
Mobile Banking
Bank anytime, anywhere with our secure mobile app — check balances, deposit checks, pay bills, and more. Learn how you can Bank on the go with A&S Online Banking and Mobile app »
Lending Services that Fit Your Life
From auto loans to home equity financing, we offer flexible, affordable lending options designed to support your goals — with trusted local service every step of the way.
Mortgage Lending
Buy or refinance your home with confidence. Learn more about our mortgage lending services »
Home Equity Loans
Tap into your home’s value for renovations, debt consolidation, or major expenses.. Learn more about Home Equity Loans through A & S Federal Credit Union »
Auto Loans
Finance your next vehicle with competitive rates, flexible terms, and fast, local decisions. Learn how A&S can help you find your new ride »
Student Loans
Other loan types available from A&S FCU
- Share Secured
- Signature
- Boat Loans
- ATV Loans
- RV Loans
- Motorcycle Loans
Your Everyday Credit Card, with Extra Perks
Enjoy competitive rates, no annual fees, and ,with our Visa® Rewards Card, 1 point for every $1 you spend — redeemable for travel, cash back, gift cards, and more. Our credit cards are built for your lifestyle and your goals.
Credit Cards
Enjoy low rates and flexible rewards — including cash back, travel, and more. Learn more about A&S FCU Visa® Credit Cards »
A&S FCU Visa® Mobile app
Manage your credit card from anywhere using our mobile credit card app. View transactions, make payments, redee rewards and more directly in the app.
Available on iOS and Android – just search “A&S FCU Visa” in your app store!
Specialized Account Types
IRA Accounts
Save for retirement — securely and tax-advantaged.
We offer both Traditional and Roth IRA savings accounts to help you build a more confident future. Enjoy competitive dividend rates and the peace of mind that comes with NCUA-insured funds. Whether you’re just getting started or rolling over existing retirement funds, we’re here to help. Learn more about IRA savings with A&S FCU »
Business Accounts
Financial tools for your small business success.
A&S Federal Credit Union offers flexible business checking and savings options for local entrepreneurs, sole proprietors, and organizations. With low fees, easy access, and personalized support, we’ll help your business banking stay simple and stress-free.
Sub-Accounts
Organize your savings your way.
Create dedicated sub-accounts under your main membership to save for specific goals — like vacations, holidays, emergency funds, or anything else you’re planning for. Easy to manage and track, sub-accounts make budgeting smarter and more intentional.
Outdoor Services
✅ ATM – Withdraws only, free for credit union members
✅ Deposit Box – Located directly next to ATM, deposits completed every weekday morning
✅ Drive-Thru
More Member Perks
✅ Instant debit card issuance
✅ Samsung Pay, Apple Pay, & Android Pay
✅ PayPal, Cash App, & Venmo
✅ Christmas Club
✅ Free ACH transfers
✅Competitive rates on loans and credit cards
✅No hidden fees
✅Friendly, local service
✅Access to 55,000+ surcharge-free ATMs nationwide
✅Easy-to-use digital banking tools
It’s easy to get started — and even easier to stay on track with financial service solutions from A & S Federal Credit Union.
Ready to Get Started?
Whether you’re opening your first account or applying for a loan, we make it simple and stress-free.