🤔 Frequently Asked Questions

  • A credit union is a not-for-profit, cooperative financial institution owned by its members. It encourages saving and provides loans at fair rates. Members elect a volunteer board of directors who oversee operations, set policies, and ensure the credit union serves its community — not shareholders.

  • First off — congrats on your retirement! 🎉
    Here’s what to take care of now that you're no longer receiving Payroll Deduction:

    ✅ If you have loans paid through your paycheck, let us know so we can update your payment method.
    ✅ Most loans set up through Payroll Deduction are bi-weekly — but now might be the perfect time to switch to a monthly payment schedule for convenience. We can help make that change!
    ✅ If you’re expecting a pension deposit, double-check that you have your correct account number and our routing number on file so everything goes smoothly.

    Need help with any of this? Give Holly a call at 412-469-0410 ext. 102 — she’s always happy to help!

  • Our routing number is: 243380477
    You’ll need it for direct deposits or setting up payments from another bank.

  • Make sure to sign the back of your check and write:
    “For Mobile Deposit Only at SSCFCU.” This is very important!

    1. Log in to your mobile app and tap the menu icon (three horizontal lines).

    2. Select “Mobile Deposit.”

    3. Enter the exact check amount and select the account to deposit into (e.g., Share, Share Draft).

    4. Take a clear photo of the front of the check on a flat, well-lit surface.

    5. Flip the check and photograph the back, making sure your signature and endorsement are visible.

    6. Review your photos and confirm they are clear and legible.

    7. Submit your deposit!

  • After two years of inactivity, a $5 monthly fee is charged to inactive accounts. On April 15th each year, accounts with three or more years of inactivity and remaining funds are turned over to the Pennsylvania Treasury Department.

    Check their website to see if they’re holding any funds that belong to you.

  • You have several options to pay your loan:

    • Visit either of our two offices in person with a valid ID and cash or check.

    • Use Online Banking to transfer funds from your savings or checking accounts, either one-time or recurring payments.

    • With your permission, we can set up automatic withdrawals from your share or draft accounts on your chosen date.

    • Use the “Bill Pay” service from another financial institution. Be sure to include your account number and loan number in the notes. For example:
      12345 LN 2 (if 12345 is your account and 2 is the loan ID).

  • Nope! Even if you move or change jobs outside our service area, you remain a member for life.

  • We welcome individuals who live, work, or worship in these areas:

    • Townships of Elizabeth or Forward, PA

    • Boroughs of Braddock, Dravosburg, Jefferson Hills, Lincoln, North Braddock, West Mifflin, PA

    • City of Clairton, PA

    Also, immediate or extended family members of current members are eligible to join.

  • Some employers require a direct deposit form — you can pick one up at our office. Otherwise, provide:

    • Routing number: 243380477

    • Your 5-digit share account number or 10-digit draft account number (depending on deposit type).

  • Credit unions exist to encourage savings and provide affordable loans. Because they’re nonprofit cooperatives, they offer lower interest rates on loans and higher dividends on savings, returning earnings to members instead of shareholders.

  • Yes! All savings accounts are insured up to $250,000 by the NCUA (National Credit Union Administration). For joint accounts, the coverage doubles (e.g., $500,000 for husband and wife).

  • Credit unions serve specific groups based on a “field of membership” such as employer, organization, or geographic area. Eligibility depends on where you live, work, or your membership in certain groups.

    • Vizo Financial Corp FCU routing number: 231387550

    • Credit to: Steel Strong Community Federal Credit Union, Account #: 243380477

    • Final Credit: Your name and member account number (e.g., 12345)

  • Use your checking account’s micro number—the number starting with 140 at the bottom of your checks.

  • Yes! Steel Strong Community FCU offers a convenient mobile app available for both Apple iOS and Google Android devices.

    With our app, you can:

    • Check your account balances and recent transactions

    • Deposit checks quickly and securely

    • Transfer funds between accounts

    • Make loan payments

    • Find nearby ATMs and branch locations

    • And much more!

    Just search “Steel Strong Community FCU” in the Apple App Store or Google Play Store to download it for free.

    If you need help setting up or using the app, give us a call — we’re happy to assist!