A & S Federal Credit Union

What A & S Federal Credit Union does

A & S Federal Credit Union is a federally chartered, member-owned not-for-profit credit union founded in 1940 by employees of the Aliquippa & Southern Railroad and headquartered at 2090 Brodhead Road, Aliquippa, Pennsylvania. The institution serves individuals who live, work, worship, or attend school in Beaver County, PA, and operates from a single physical branch with extended Thursday hours, an automated after-hours phone line, and a web/mobile banking presence. It is regulated by the National Credit Union Administration (NCUA) with federal deposit insurance up to $250,000.

The credit union's product suite spans core retail banking and consumer lending. Deposit products include Regular Share Savings (with a $5 membership-opening minimum), fee-free checking, Club/Special Purpose savings, Certificates of Deposit (6-24 month terms, $500 minimum), and Traditional/Roth IRAs and IRA CDs. Lending products comprise auto loans (terms up to 84 months for new and used vehicles, including motorcycles and RVs), home equity loans (5-15 year fixed-rate terms), credit cards (Visa Classic at 12.90% APR and Visa Platinum rewards at 9.50% APR), and unsecured personal loans. Mortgages are originated through a partner relationship with Member Advantage Mortgage (conventional, FHA, VA, USDA, jumbo), and student loans are referred through a Sallie Mae partnership.

The technology stack consists of a mobile banking app for iOS and Android supporting remote check deposit (up to $3,000 per check, $5,000 daily), bill pay, card management, and an ATM locator; a web banking platform hosted on itsme247.com; SSL encryption with two-factor authentication and real-time fraud monitoring; and digital wallet integration (Apple Pay, Google Pay, Samsung Pay, Venmo, CashApp, PayPal). Revenue is generated primarily through net interest income on lending, with ancillary fee income (NSF $30, overdraft $30, wire transfers $20-25, stop payment $15, card replacement $10, research $10/hour, dormancy $5/quarterly) and the interest-rate spread between lending and deposit dividends. Distribution combines a single Aliquippa branch, phone-based inside sales, online self-serve loan origination, and partner channels for mortgages, student loans, and auto financing via the KLA-approved Member Auto Center. The credit union is a member of the CO-OP Financial Services shared branching and ATM network, providing access to 55,000+ surcharge-free ATMs nationally.

Name

A & S Federal Credit Union

Legal name

A & S Federal Credit Union

Website

https://asfederal.org

Company type

Private

Founded year

1940

Operating status

Operating

Headcount range

1–10 employees

Short description

A & S Federal Credit Union is a federally chartered, member-owned not-for-profit credit union serving Beaver County, Pennsylvania residents with deposit accounts, consumer loans, credit cards, and partner-originated mortgages from a single Aliquippa branch.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Credit Unions (52213)

SIC

Personal Credit Institutions (6141)

akta.pro primary industry

Community Credit Unions (Retail/Consumer Focus) (FSABAEAA)

akta.pro secondary industry

Bank & Credit Union Personal Loans (Unsecured Installment) (FSAKAAAL)

Keywords

• Retail banking services
• Consumer lending
• Deposit accounts
• Credit union services
• Mortgage lending

Headquarters

HQ city

Aliquippa

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Interest Income from Lending: Primary revenue from interest charged on auto loans, home equity loans, mortgages, personal loans, and credit cards. Rates vary by loan type, term, and creditworthiness. Competitive rates positioned against traditional banks.
2. Fee-Based Services: Various service fees including NSF ($30), overdraft ($30), wire transfers ($20-25), card replacement ($10), research ($10/hour), stop payments ($15), and others as outlined in fee schedule. Many core banking services are free.
3. Deposit Account Services: Savings accounts, checking accounts, CDs, and IRA products generate deposits that are used for lending activities. No monthly fees on most accounts. Revenue from spread between lending rates and dividend rates paid.

Pricing tiers

Go-to-market motion2 records

Distribution channels6 records

Marketing channels7 records

Core offering

A & S Federal Credit Union is a member-owned, federally chartered credit union that provides consumer banking products and lending services to residents of Beaver County, Pennsylvania. Core offerings include savings accounts, checking accounts, certificates of deposit, IRAs, auto loans, home equity loans, mortgages, Visa credit cards, and digital banking through its mobile app and online banking platform.

Product overview

A & S Federal Credit Union operates as a member-based financial institution offering a comprehensive suite of banking and lending products. The core offering centers on deposit accounts including Regular Share Savings (establishing membership with $5 minimum), Checking Accounts with no fees or minimums, and Certificates of Deposit with terms from 6-24 months. The organization provides multiple specialized savings vehicles including Youth Accounts for children/teens, Traditional and Roth IRA products, and IRA CDs for retirement planning. Lending services encompass Auto Loans (up to 84 months), Home Equity Loans (5-15 year terms), and Mortgage Loans through partner Member Advantage Mortgage. Credit products include Visa Classic and Visa Platinum reward cards. Digital banking capabilities are delivered through the A&S Mobile Banking App (iOS/Android) and Online Banking platform via itsme247.com. Additional services include Debt Protection with Life Plus, Business Accounts, Sub-Accounts, and Overdraft Protection. The institution serves Beaver Valley, Pennsylvania communities with products federally insured by the NCUA.

Differentiator

Problem solved

Functional benefit

Products and services

• Regular Share Savings

Quantifiable outcome

• Serving Beaver County and surrounding communities for over 85 years
• +2 more outcomes

Named customers1 record

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration14 records

Feature5 records

Partnerships

Five partnerships are on record, tiered core and minor.

• Member Advantage MortgagecoreStrategic or Co-development PartnerMortgage lending partnership providing conventional, FHA, VA, USDA, and jumbo loans. Member Advantage Mortgage brings national expertise while A&S provides local support and customer service throughout the mortgage process. Applications submitted through A&S website or in-person.
• Sallie MaeminorChannel Partner/ Reseller/ DistributorStudent loan partnership providing educational financing options for undergraduate, graduate, and career training students. A&S refers members to Sallie Mae's platform for student loan products.
• KLA (Preferred Dealer Network)coreChannel Partner/ Reseller/ DistributorKLA-approved Preferred Dealers featured in Member Auto Center platform for trusted vehicle purchases. Dealers are vetted and approved by KLA to provide reliable vehicles and exceptional service to A&S members seeking auto financing.
• CO-OP Financial Services (ATM Network)coreTechnology or IntegrationCO-OP network provides 55,000+ surcharge-free ATMs and shared branching capabilities across the nation, extending A&S's physical service reach beyond their single branch location.
• VisacoreTechnology or IntegrationVisa credit card program providing Classic and Platinum cards with rewards. Visa provides global payment network acceptance and fraud protection services.

Scale indicators5 records

Recent moves5 records

Expansion highlights5 records

Regional players

• S&T Bank: Pennsylvania-based regional commercial bank serving western and central PA with consumer and business banking. Overlaps with A&S's Beaver County footprint as a competing community-oriented bank with broader branch presence.

Direct peers

• First Commonwealth Federal Credit Union: Pennsylvania-based community federal credit union serving individuals and businesses with deposit, consumer lending, and digital services. Closely comparable cooperative model and product set within PA.
• Clearview Federal Credit Union: Pennsylvania-headquartered federal credit union offering consumer deposits, lending, and digital banking to community members. Comparable member-owned cooperative structure and retail/consumer focus.
• Police & Fire Federal Credit Union: Pennsylvania-domiciled federally chartered credit union serving a defined member base with deposits, consumer loans, mortgages, and digital channels. Comparable federal charter and member-owned governance.
• Members 1st Federal Credit Union: Pennsylvania-based federal credit union serving consumers with deposits, consumer lending, mortgages, and digital banking. Comparable member-owned community model with a stronger digital and branch footprint across central PA.
• 1st Valley Credit Union: Small Pennsylvania community credit union offering consumer checking, savings, lending, and digital banking to a defined local membership. Directly comparable small-scale community cooperative model.

Broad incumbents

• Citadel Credit Union: Pennsylvania-headquartered credit union providing consumer and business banking, mortgages, and wealth services across the Mid-Atlantic. Comparable product suite but materially larger scale and broader geographic reach.
• First National Bank of Pennsylvania (FNB): Large Pennsylvania-based commercial bank with retail branches, consumer lending, and digital banking; operates branches within and around Beaver County. Represents the incumbent bank competitor for the same household deposit and lending relationships.
• Pennsylvania State Employees Credit Union (PSECU): Large Pennsylvania state-chartered credit union offering a full suite of consumer banking, lending, and digital services across the state. Operates in the same regulatory and competitive space with substantially greater scale.
• PNC Bank: Major regional bank headquartered in Pennsylvania with extensive branch and ATM coverage, consumer lending, and a leading digital platform. Competes directly for Beaver County consumer deposits and loans at scale A&S cannot match.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/A-S-Federal-Credit-Union-104922430985004
• Instagraminstagram.com/asfederalcreditunion

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about A & S Federal Credit Union