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Frequently Asked Questions

What’s a Credit Union?
A credit union is a cooperative, not-for-profit financial institution organized to promote thrift and provide credit to members. It is member-owned and controlled through a board of directors elected by the membership. The board serves on a volunteer basis and may hire a management team to run the credit union. The board also establishes and revises policy, sets dividend and loan rates, and directs certain operations. The result: members are provided with a safe, convenient place to save and borrow at reasonable rates at an institution which exists to benefit them, not to make a profit.
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How do I join POSTMARK credit union?
To join POSTMARK, you must open a regular savings account. This is your share in the credit union. Deposit and maintain a minimum balance of $50.00 in this account and you are eligible for the many benefits of credit union membership. Simply call the credit union at 717-671-5119, stop by our office or apply online. We'll promptly mail you a complete Membership Packet.
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Why should I join POSTMARK Credit Union?
There is no better place to obtain affordable financial services than POSTMARK CU. Check out our wide range of products and services available to members, and receive personal service at our "people helping people" credit union.
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Where is your office located?
Our address is 2630 Linglestown Rd. Harrisburg Rd. Harrisburg, PA 17110 which is aprox 1/4 east of the Linglestown Rd. and Progress Ave. intersction. Or approx. 1/2 mile west from the intersection at the Oakhurst Plaza (Giant Foods) Shopping Center.
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How can I get a loan?
Simply call our Loan department and in most cases we can update your information over the phone. If you're a new borrower please request an application to be mailed, or stop by our office and talk with a loan officer.
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How long does it take to get a loan?
We understand that when you request a loan our prompt response is important. So, please have available the following information: income, current loan obligations and amount needed to borrow. Our loan staff will then be able to offer the quickest response possible.
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I want to sign up for Direct Deposit and my employer needs your ABA Routing and Transit Number. What is your R&T number?
Out ABA Routing and Transit number is 231381019. When signing up for Net pay or other payroll deductions please use your base account number only---no suffixes, please.
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Are savings deposits insured?
Yes. All savings accounts are insured to at least $250,000 by the NCUA, the National Credit Union Administration, an agency of the federal government.
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It seems like every ATM machine I go to I have to pay a fee. How can I avoid these fees?
Unfortunately most ATM owners (predominately banks) charge surcharge fees these days. However POSTMARK has joined forces with other credit unions throughout Pennsylvania to form the CU$ ATM Alliance which is an aggreement that we or other Alliance credit unions will not surcharge other credit union members at machines that are owned by the credit unions in the No Surcharge Alliance. For a list of these ATM locations go to www.cudollar.org.
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How do I set up an automatic payment from my checking account?
Many utilities and Insurance companies offer automatic payment plans for monthly payments. This is a convenient and cost saving method of paying bills. As with Direct Deposit signups, most firms will only need a voided check but in lieu of this, please provide them with our ABA Routing and Transit number, 231381019 and your base account number (no suffixes please).
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I attempted to use your phone banking product, the Request Line and was prompted for a PIN. What is my PIN?
The first time you use our Audio Response system, Request Line, your PIN is pre-set to the last 4 digits of your Social Security number. Unless you instructed us at account opening with a different PIN this is the number you'll use to access Request Line. However, we cannot over-empathize that this number be changed. Unfortunately, social security numbers are "all over the place" in the real world and any deviation from using them is encouraged. To change your PIN please call our office or you may change it yourself once you are in the Request Line system. If you haven't noticed, POSTMARK Credit Union stopped the printing of member social security numbers on account statements for the very same reason mentioned above.
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What is a share secured loan?
This type of loan is 100% secured by your savings. The term of the loan can range from 6 to 120 months. This loan also helps maintain your savings acount balance, and assists in rebuilding an impaired credit history or helps with establishing a credit repayment record.
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What's the highest credit limit I can get on a VISA card?
Our low rate VISA cards have limits up to $15,000.00
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What is the purpose of a credit union?
The primary purpose in furthering their goal of service is to encourage members to save money. Another purpose is to offer loans to members. In fact, credit unions have traditionally made loans to people of ordinary means. Credit unions can charge lower rates for loans (as well as pay higher dividends on savings) because they are nonprofit cooperatives. Rather than paying profits to stockholders, credit unions return earnings to members in the form of dividends or improved services.

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Who owns a credit union?
Most financial institutions are owned by stockholders, who own a part of the institution and intend on making money from their investment. A credit union doesn't operate in that manner. Rather, each credit union member owns one "share" of the organization. The user of credit union services is also an owner, and is even entitled to vote on important issues, such as the election of member representatives to serve on the board of directors.
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How did credit unions start?
The first credit union cooperatives started in Germany over a century ago. Today, credit unions are found everywhere in the world. The credit union movement started in this country in Manchester, New Hampshire. There, the St. Mary's Cooperative Credit Association, a church-affiliated credit union, opened its doors in 1909. Today, one in every three Americans is a credit union member.
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