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A Message to Our Credit Union Family from Sandi Carangi, CEO

March 20, 2020

We are here for you

As your credit union, we continue to monitor the latest updates regarding the Coronavirus (COVID-19) and want you to know we are here for you as we always have been. Your deposits are safe and insured. We’re not going anywhere, because at its core, our credit union is not a building or a business, it’s people unified for a common goal.

Access to your money

The safest and easiest way to access your money 24 hours a day during this outbreak is through our online banking services. If you don’t currently have access on your mobile phone, now is a good time to initiate this feature from your home banking screen and then download our mobile app. While our lobbies are closed, we encourage you to use our drive-thrus that are operating during normal business hours, or our ATMs. You may also call our offices for assistance with transactions. 

Here to help you

If you’ve been financially impacted by this pandemic, our staff is prepared to discuss your options and help guide you through these uncertain times. Now, more than ever, we are here to support members like you. We have the following new offerings to share with you:

  • Emergency Loan – a special signature loan up to $3,000 with a rate of 4.99% APR* with a term of 24 months. Limit one emergency loan per member. This offer is available through June 30, 2020. *Annual Percentage Rate. Loans subject to credit approval.
  • Extension of first payment due date is available on all new auto loans and personal loans for 90 days from the date of the advance. (First payment due dates on emergency loans, home equity loans, and home equity lines of credit will remain 30 days from the date of the advance.) Interest continues to accrue during the extended payment period.
  • No late charges for all loan types will be assessed for the months of April, May and June 2020.
  • Special Loan Deferral Skip-a-Pay program is available on existing eligible loans for the months of April, May, or June 2020. Only one month per loan can be skipped.  

Please call with questions or for more details on any of these special offerings. 

Protect yourself from cyber scams

Scammers are taking advantage of fears surrounding the Coronavirus. They’re setting up websites to sell bogus products, and using fake emails, texts, and social media posts as a ruse to take your money and get your personal information. It is important to note that if we reach out to you, we will NEVER ask for confidential information such as your account number, password, personal identification number (PIN) or other account information. You can review the Federal Trade Commission’s advice for consumers at

Promoting health and safety

We at Mercer County Community FCU are proud to be a part of your lives and are honored by the trust you place in us. We are not only thinking about your financial security, but your health as well. We are working diligently to ensure we are utilizing the best health practices during this pandemic and staying up to date on the latest protocols and recommendations from public health authorities. Our number one priority is protecting the health and safety of our employees who are here to serve you.

MCCFCU 2020 Annual Meeting

This year’s annual meeting scheduled for Saturday, April 18, 2020 at 6:30 pm, will take place “virtually” online. Please visit our website for meeting updates, and to view our annual report as it becomes available. 

We’re here if you need any additional assistance

If you want to learn more about COVID-19, visit the CDC’s resource center or the PA state health department website Please take care of yourself and those around you, and do not hesitate to contact us for any assistance.

Sincerely wishing you the best of health,

Sandi Carangi, CEO,
Mercer County Community Federal Credit Union

UPDATED: COVID-19 Precautions at Your Credit Union

Starting Thursday, March 19, 2020 at 5 pm and continuing until Tuesday, March 31, 2020 our lobbies will be closed for transactions.

Our Drive-Thru lanes will be open for all of your transactional needs.

If you need to open a new account, or see a loan officer please call us at either 724-981-9410 (Hermitage) or 724-342-2246 (Sharon) or use the Drive-Thru and our staff will assist you accordingly.

2020 MCCFCU $1,000 Continuing Education Awards

Mercer County Community Federal Credit Union will present their 20th Annual Continuing Education Awards at the Annual Dinner Meeting on April 18, 2020. There are five $1,000 awards for the 2020-2021 academic year. Awards are open to any 2020 high school senior who is pursuing an academic, professional, or vocational post-high school education at a college, university, or accredited trade school. Applicants must be a member of MCCFCU prior to submitting their application.

Click on to obtain your application to complete. Please return the application and essay by mail or in person to either office by April 3, 2020.

2020 Shenango Valley Chapter of Credit Unions $500 Youth Scholarship Awards

The Shenango Valley Chapter of Credit Unions in conjunction with Cross State Credit Union Association will award $500 scholarships to qualifying students, between the ages of 17- 24, who are pursuing post-high school studies at a college, university, or vocational trade school. Applicants must be a credit union member or become a member prior to submitting an application.

Click for an application. Please return the application by mail to First Choice Federal Credit Union, SVC Scholarship, 2209 W. State St., New Castle, PA 16101 by April 10, 2020.

RESOLVED:Browser issues affecting access to Bill Pay

The Bill Pay access issues with Internet Explorer and Edge browsers has been resolved. We apologize for the inconvenience this has caused and appreciate your patience.

Browser issues affecting access to Bill Pay

We have been notified by our Online Bill Pay provider of possible browser issues affecting access to Bill Pay. The issue is preventing the use of Internet Explorer and Edge browsers from accessing the Bill Pay site.

Please note that Chrome, Firefox and Safari version 13.0.5 browsers are working correctly. So we recommend using these alternate browsers until the issue with Internet Explorer and Edge is resolved.

We apologize for any inconvenience and will provide an update when the issue is resolved. Thank you.


Thank you for your patience, our Hermitage ATM is now updated and back-in service!

We value you as a member and are truly sorry for any inconvenience this may have caused.


Please Note: When using your debit card, funds will not automatically transfer to your checking if there is not enough money to cover your overdraft.  Please be sure to transfer money from your savings to your checking before using your Visa Debit Card. Overdraft fees will occur at the same time as the overdraft when the available balance does not cover your debit card transaction amount.  Please call us for details or questions.

Ensuring You’re Always You With Visa

Protecting you is one of our top priorities. One way we do this is by preventing the unauthorized use of your card. During a purchase from a desktop, mobile or other digital device, you may be guided through an extra check to verify your identity. This helps us ensure you’re you and better protects you from fraud.

As a Visa cardholder, your transactions are secured with Visa. Visa recently enhanced its security for online purchases making the experience more seamless and easy while protecting you from fraud.

Learn more about how it works at

REMINDER Important Mobile App Update

Please update your mobile app by October 31, 2019. The update is required due to an upgrade in the software for the app.

iPhone users must delete the Mercer County Community FCU app, and reinstall and reactivate the app on their iPhone. Droid users will need to simply update the app on their phone. The older version of the app will not work starting on November 1, 2019.

We sincerely apologize for the inconvenience. If you have any questions, please call our Hermitage office at 724-981-9410 and speak to any Member Service Representative.

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