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Read MoneyMatter$:

Read the most recent issue of MoneyMatter$.

To obtain a PDF version of prior issues, send an email to to request a prior issue.

What's New at ACSFCU:

Washington Headquarters New ATM

All Washington staff can now enjoy the convenience of an ATM just off the lobby. Obtain cash and stamps, make deposits any time, any day. Another way that your ACSFCU tries to make your financial life easier.

Step into Automotive Savings

Your ACSFCU has maintained reduced rates on New and Used auto loans at historic lows. Look under Current Rates. Remember that pre-approval and 20% down discounts still apply. In addition we are offering new specials and discounts!

  • Extended warranty service contracts through InterContinental Warranty Service at rates that car dealers can only dream about!

  • GAP Insurance is available for low downpayment loans - don't be "underwater" on your loan.

  • Add Extended Warranty and GAP Insurance to your loan and get an additional 0.25% interest rate discount.

  • Make a downpayment that eliminates the need for GAP insurance and add Extended Warranty to get a discount of 0.15%

  • Get a CARFAX report for only $19.99 - normal web charges are $39.99!

  • If you close your vehicle loan with ACSFCU after obtaining our CARFAX report, we will rebate some or all of your $19.99 cost.

Remember, a Zero Finance Rate at a dealer may just inflate the vehicle cost to cover loan interest charges. Walk in with a pre-approved ACSFCU loan.

New SNAP Loans

Are there times when your paycheck shrinks faster than the stack of bills due?

Did an unplanned expense drive you to consider a visit to the PAY-DAY Lenders?

Your ACSFCU can help with a low cost, easy to access Credit Line for emergencies that does not entail excessive fees and interest rates.
Consider a loan in a SNAP from your Short Notice Advance Pay Line of Credit.
A line of credit up to $750.00 that can be accessed any time, especially when unexpected expenses arise.
  • A single annual fee sets up the account

  • No credit check is required

  • Interest is only charged when there is a daily balance

  • Interest will not exceed 18%

  • No fees to access your SNAP Line of Credit

  • Repayment in 30-60 days

See any ACSFCU staff member to apply.

Ongoing Specials

ACSFCU has teamed up with GM and Chrysler to help our members Invest in America. All eligible current and new members have the unique opportunity to get a great discount on a new vehicle from GM or Chrysler. While the discounts vary depending on which vehicle you choose, everyone will drive away with a great deal. Depending on your choice, you could save up to thousands of dollars.

The deal gets even better when you finance your vehicle at with ACSFCU. Thanks to our low loan rates, discounts for pre-approval and/or 20% down payment, your savings will quickly add up. And youíll be doing your part to help the local economy when you buy an American-made car and finance it through American Chemical Society Federal Credit Union.

Start driving your discount. For more information on Invest in America, visit

Love my CU

Funds Availability Policy

Changes in the Federal Reserve System mean that all checks on U.S. Banks are now "local checks". The revised Funds Availability Policy to comply with the Federal changes is below.

Your Ability To Withdraw Funds
Our policy is to make funds from your cash and check deposits available to you on the first business day after the day we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once they are available, you can withdraw the funds in cash and we will use the funds to pay checks that you have written.

For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before 3:30 p.m. on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after 3:30 p.m. or on a day we are not open, we will consider that the deposit was made on the next business day we are open.

Longer Delays May Apply
In some cases, we will not make all of the funds that you deposit by check available to you on the first business day after the day of your deposit. Depending on the type of check you deposit, funds may not be available until the second business day after the day of your deposit. The first $100 of your deposits; however, may be available on the first business day.

If we are not going to make all of the funds from your deposits available on the first business day, we will notify you at the time you make the deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the day after we receive your deposit. If you will need the funds from a deposit right away, you should ask us when the funds will be available. In addition, funds you deposit by check may be delayed for a longer period under the following circumstances: We believe a check you deposit will not be paid. You deposit checks totaling more than $5,000 on any one day. You redeposit a check that has been returned unpaid. You have overdrawn your account repeatedly in the last six months. There is an emergency, such as failure of computer or communication equipment.

We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the 7th business day after the day of your deposit.

Special Rules for New Accounts
If you are a new member, the following special rules will apply during the first 30 days your account is open. Funds from electronic direct deposits to your account will be available on the day we receive the deposit.

Funds from deposits of cash, wire transfers, and the first $5,000 of a dayís total deposits of cashierís, certified, tellerís, and federal, state and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,000 will be available on the ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,000 will not be available until the second business day after the day of your deposit.

Funds from all other check deposits will be available on the fifth business day after the day of your deposit.

Is my Money safe at ACSFCU?

Yes, Your ACSFCU is now and always has been managed in a financially prudent and cautious manner. ACSFCU has not invested in Sub-Prime mortgages, derivative financial products, credit-swaps and the other "sophisticated" financial products that have brought havoc to Wall Street and the "Big Banks".

First, your accounts are backed by the National Credit Union Share Insurance Fund (NCUSIF), a fund maintained by the U.S. Treasury and administered by the National Credit Union Administration (NCUA). Federal insurance protects your money in share savings, share draft/checking, money market, share certificate, trust, and retirement accounts.

NCUA coverage is to credit unions as FDIC, or Federal Deposit Insurance Corporation, coverage is to banks. Both funds are backed by the full faith and credit of the U.S. government.

And now, passage of the Emergency Economic Stabilization Act of 2008 increases NCUA coverage from $100,000 to $250,000. The increase is temporary. Funds may be insured for even more than $250,000, depending on how you establish your accounts.

Second, ACS Federal Credit Union operates with a safety net of capital that helps us weather temporary setbacks. And, we maintain an "allowance for loan losses." This additional cushion anticipates losses when some members fail to repay loans.

Third, ACS Federal Credit Union is examined regularly by NCUA to make sure we are engaging in safe and sound operations. Your ACS FCU has earned the highest available rating!

We at ACS Federal Credit Union can assure you that your money is safe.

Best regards,

ACS Federal Credit Union Board of Directors

Terry Timmons or any Board Member would be happy to personally answer any questions or concerns that you might have.

Oliver K Williams, III
Board Chair
American Chemical Society Federal Credit Union

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