At ARC Federal Credit Union, your savings account is more than just a place to grow your money — it’s your share in something greater. As a member-owner, you have a direct stake in a financial institution built to serve you.
You're not just saving — you're leading your financial future with confidence.
Share (Savings) Account
Your Voice. Your Credit Union.
When you open a Share Account at ARC Federal Credit Union with just a $5 deposit, you’re doing more than starting your savings — you’re claiming your voice in a financial institution built for you.
- One member, one vote — no matter your balance, you have an equal say in shaping the future of ARC.
- Be part of the decisions — join us at the Annual Meeting to vote on leadership and hear important updates about your credit union.
- Stay connected — meeting details are shared in our Spring Newsletter and on our website — because your participation matters.
It all starts with $5 — and it all belongs to you.
Have questions? Our Member Service Team is here to help at (814) 946-0857, opt. 3 or memberhelp@arcfcu.org to learn more.
Share Certificate
Grow Your Savings with Confidence
When you’re ready to put your money to work, a Share Certificate (more commonly known as a CD at other financial insitutions) from ARC Federal Credit Union helps you grow it faster — on your terms.
- Choose what fits your goals — flexible terms from 6 to 60 months.
- Start strong — open your Share Certificate with as little as $500.
- Earn more — enjoy high yields and guaranteed growth on your savings.
- Count on security — your principal and interest are fully guaranteed.
With dividends calculated monthly and posted at the end of each month, your savings journey is steady, secure, and all about you.
Traditional IRA
Take Charge of Your Future with a Traditional IRA
Your future isn’t something you wait for — it’s something you build. Whether you’re just starting out or fine-tuning your retirement plans, an ARC Federal Credit Union Traditional IRA puts the power in your hands to create the retirement you deserve.
- Save smart, grow faster — contributions may be tax-deductible, and your earnings grow tax-deferred until you’re ready to withdraw.
- Maximize your potential — invest up to $7,000 annually (or $8,000 if you’re 50 or older) and take control of your financial future.
- Strategize for success — a Traditional IRA can be a strong choice if you expect to be in a lower tax bracket at retirement or need to roll over funds from an employer plan.
- Enjoy peace of mind — your money stays protected and growing until you decide it's time to use it.
- Plan wisely — while withdrawals before 59 ½ may be subject to penalties, exceptions exist for life’s unexpected moments like medical needs or job loss.
Not sure where you stand? Explore our retirement calculator from our financial wellness partner, Banzai, and map out the future you're working toward.
Retirement Calculator
Your retirement journey starts with one empowered decision — yours.
How Are IRAs Insured?
When you open an IRA at ARC Federal Credit Union, your funds are federally insured by the NCUA for up to $250,000 — separate from the coverage on your other ARC accounts. It’s a smart step toward protecting your financial future.
To open a new IRA or make changes to your existing account, contact us today.
Club Accounts
Turn Dreams Into Reality, One Goal at a Time
Your dreams aren’t just wishful thinking — they’re plans waiting to happen. With ARC Federal Credit Union Club Accounts, you have the tools to separate your savings and stay focused on every goal you set.
- Designed for your life — save for holidays, vacations, or your child’s future without minimum balance requirements.
- Stay motivated — keep your savings organized and within reach.
- Move closer to your goals — every deposit gets you one step closer to the life you’re building.
Big or small, your goals are powerful and we’re here to help you make them real.
Christmas Club
Celebrate the Holidays on Your Terms
This year, own your holiday season with a Christmas Club Account from ARC Federal Credit Union. By saving throughout the year, you can create the joyful, stress-free holidays you deserve — without relying on credit cards.
- Automate your success — schedule transfers each payday and watch your savings grow.
- Spend confidently — enjoy the holidays without financial stress.
- No barriers to start — easily open a club account by logging into your online banking and selecting "Open sub-account" in the menu or by visiting any branch; there's no minimum balance required.
Start now and make this holiday season one you’ll truly celebrate.
Vacation Club
Focused Saving, Endless Possibilities
With a Vacation Club Account from ARC Federal Credit Union, you can build savings for whatever big goals you have in mind — whether it’s a dream getaway, a new car, or the next step in your education. It’s your money, your plan, and your future.
- Keep your savings focused — separate your funds and stay on track.
- Save for what’s next — vacations, down payments, school expenses — you decide.
- No barriers to start — easily open a club account by logging into your online banking and selecting "Open sub-account" in the menu or by visiting any branch; there's no minimum balance required.
Start saving today and make your next big move happen — on your terms.
Kids Club
From First Birthday to First Paycheck - Grow with ARC
You have the power to set your child on the path to financial confidence. With ARC Federal Credit Union’s Kids Club and Youth Accounts, you can help them build smart money habits early — and guide them every step of the way into young adulthood.
- Start strong — open an account as soon as your child has a Social Security Number.
- Build financial skills early — support age-appropriate learning from childhood through their first years of independence.
- Grow with confidence — our expanded Youth Accounts are designed to grow alongside your child.
Give them more than a savings account, give them a foundation for lifelong success.
Money Market
Flexible Savings for Big Goals
You shouldn’t have to choose between access and earning power. With an ARC Federal Credit Union Money Market Account, you get the best of both — higher returns on your savings and the freedom to access your money when you need it.
- Earn more, stay flexible — enjoy competitive rates without locking your money away.
- Access when it matters — make up to three (3) free withdrawals each month.
- Start strong — begin earning with a $2,000 minimum balance, lower than many other local options.
Your money should work as hard as you do, while staying within your reach.