Ashtabula City Employees Federal Credit Union

4717 Main Avenue

Ashtabula, Ohio 44004

Phone (440) 992-7181

Fax (440) 992-7187

Cathy Calaway, Office Manager

Email:  creditunion@ashtabulacitycu.com

Office Hours:

Monday thru Friday 10 a.m. - 4 p.m.

Loan Rates 

Looking for a new auto;

Come see us.

Christmas Club Account 

If you are interested in starting a Christmas Club account, please contact our office and make arrangements to set up your account.  The Christmas Club accounts earn interest just the same as your regular saving account.  Monies from the Christmas account are sent out the last Friday of October each year.              

School's Out For Summer                                

Involve your children in the process.  Share with them that conserving money on one day allows them to go to a water park on another day.  Be creative. 

To save money, your family could eat only one meal in a restaurant a day.  Your other two meals, prepare your own food.  If it is a nice day, plan a picnic.  Take turns letting your kids choose the type of food, if you are really adventurous, the restaurant each day.  They feel important and it minimizes arguments. 

Shop around for hotel discounts.  Paying the listing rate for a hotel room is like paying full retail for a mattress. 

Adults and children have different ideas on fun.  So with getting your children involved with the plans you can make compromises as to what the family does each day on your vacation.  You know that saying “The best things in life are free”. 

Look through a visitor guide and see what you can find that is FREE to do for a day. 

Ashtabula County has a visitor guide, you can even stay close to home and have fun.

You can pick up a visitor guide for Ashtabula County at the City Manager’s Office.

Just have a safe and enjoyable vacation.  Just remember that you are making memories for you and your children. 

Spot Light Member

Mr. Stanley Guerini 

Stan joined the Credit Union April 8, 1969.  He has been a member for 39 years.

Stan started his career with the Army, serving for 2 years.  When he came home he worked for the Ashtabula Sheriff Department for 4 years then took a job with the Ashtabula City Fire Department, retiring in 1989.  While employed with the City, he worked at Kent State Ashtabula Campus from 1979 to 1992. After retirement he has been keeping himself busy with his janitorial business that he started in 1981,

Stan has two children; daughter, Caryn that is a registered nurse, married to Steve Candella Jr, and his son Michael who lives in Orlando Florida who is also retired due to a service injury, and Stan has two grandchildren.

When Mr. Guerini was asked what he had to say about the Credit Union; he told us that the Credit Union is wonderful and if you need help they are there.

On Line Banking—Have you signed up yet

It’s FREE 

Have you signed up yet for the On Line Banking? 

You are now able to access your accounts 24 hours a day, seven days a week.

With on line banking, you will be able to get a quick listing of your account information, check your account balance, make transfers, and request a check without even having to leave your home.

Available to you:

*View your accounts

*Transfer funds between accounts

*Withdraw funds

*Apply for a new account

*Complete a loan application

*Changing your personal profile

*Contacting Us

If you would like to get on line banking, all you have to do is contact the Credit Union at 440-992-7181 or stop by the office.

Smart Gas Saving Tips and Boost your gas mileage

*Avoid Excessive Idling; you get zero miles per gallon when idling, and the larger the engine the more fuel wasted.  If the line at the fast food emporium is long, park the car and go inside to order. Sitting in line waiting for that accident to get cleared or the drawbridge to re-open, shut off the engine.

*Avoid fast starts; aggressive driving (rapid acceleration and braking) waste gas. It can lower your gas mileage dramatically, by up to 30% or more. Smooth driving is always safer.

*Observe The Speed Limit; you might feel like you are getting run over, especially on the Interstate, but fast driving lowers fuel economy dramatically. You can figure roughly that every 5 MPH over 60 MPH costs you an additional $.02 per gallon.

*Keep your engine tuned; A engine that is not tuned properly can waste as much as 40% of your gas. Follow the manufacturers directions in your owners manual and if you hear, feel or smell something “funny”, have your engine checked right away. Fuel ratios, spark plug timing and condition can all dramatically affect gas mileage.

*Use a CashBack/Rewards Credit Card; you can save a significant amount on your gas purchases by using a credit card that gives you cash back, rebates or even rewards points you can use to buy other things. There are many of these cards on the market.

Learn more at www.smartgassavingtips.com  

*Use the correct grade of fuel; many people think that they need premium when regular will do just fine, especially owners of “fast” cars. Again, read the owners manual and use the recommended fuel.  Also, be careful in areas of the country selling fuel with Ethanol, be sure your engine is approved to run on E85 fuel or you could cause engine damage.

*Don’t top off your tank; stop filling when the automatic shut off engages. Filling the tank up to the filler cap can lead to spilling some fuel.

*Use Your Cruise Control; This will prevent speed creep and keeps the engine running efficiently. Slowing down and then speeding up repeatedly will waste fuel.

*Check and Replace Filters; A clogged air filter can cause damage to your engine as well decrease gas mileage by up to 10%, that is like paying an extra $.30 a gallon. Have your oil and  fuel filters changed at regular intervals.

*Clean out your vehicle; excess weight can add up. Hauling around an extra 100 pounds can reduce mileage a percent or two depending on the weight of the vehicle.

*Reduce Trips and Consolidate Errands; a little planning goes a long way. By using your vehicle less, you not only save on gas, but on all the other variable costs of operating it, including tires, oil changes, tune-ups, and even depreciation and insurance. So plan your trips wisely.

*Buy a smaller car; don’t go out and dump the gas hog for a high mileage car just to get better mileage. The payback may take years since buying a new car may cost you sales tax, higher insurance, etc.  But if the old buggy is ready for a new home then consider a smaller, more efficient vehicle if it will still fit your needs.

*Use Public Transportation, Walk, or Ride your Bike; this tip again not only save fuel, but wear and tear on your vehicle, and, you get a little exercise to boot. Take a walk to the store, you may see things in your neighborhood you have missed while driving your 2 ton behemoth that 1/4 miles to the grocery, or put a basket on the old bike and start peddling, again you may enjoy the scenery a lot more. Sort of goes with the old “Stop and Smell the Roses” thing.

*Cut Wind Resistance; got that little flag flying from the antenna or back window? Use a decal instead. Got a roof rack or carrier? Take it off unless you need it. It adds weight & wind resistance. Driving a pick up? Take the gate off when possible, reduce mileage 30%.

Account verification        

It’s that time of year again that the Supervisory Committee is required to verify your account information.  Please review your statement.  If there is any discrepancy with your records compared to the Credit Union records please contact one of the Supervisory Committee members:                  

Thank you