Happy New Year! Ready or not, 2019 is upon us. Was it just me or did 2018 seem like a really fast year? I hope that all of you were able to slow down a bit during the holidays and spend time with family and friends.

2018 was a busy year for us here at your Credit Union. We welcomed one new face to our team this past year. Cheryl Lucier-Tullos joined the team in March as our Vice-President of Accounting and Finance. Cheryl brings a wealth of accounting and financial experience to the team and we are fortunate to have her. If you haven’t met her yet, I encourage you all to stop by her office the next time you are in the branch and introduce yourself to her.

It seems there is never a dull moment here at ACFCU. I look back at the five years since I joined the ACFCU staff as CEO at all the many things that we have accomplished to serve our members in the absolutely best way possible. The sheer number of new products and services that have been launched in the last five years is impressive to say the least. The list of products, services and enhancements that we implemented includes: real-time processing, home mortgages, a new website, a mobile banking app, new checking accounts with BaZing, a new credit card program with Rewards, the ability to apply for a loan securely online, and the ability to deposit a check remotely to name a few.

For 2019, we have more, new and exciting things in store. This year we will launch a Home Equity Line of Credit loan that will allow our members to use the equity in their homes to pay for major expenses such as a kitchen or bathroom remodel, pay for college or pay for a wedding, or even take the trip of a lifetime. And, under certain conditions, the interest you pay on your HELOC loan could be tax deductible.

Another new service that we feel will benefit many of our members is a service we call MyMoney. MyMoney is a personal financial management tool that will be available to our members through Online Banking. Much like other software platforms as Quicken or Mint, MyMoney will help our members to take a consolidated look at all their personal finances and budget and plan accordingly. Plus, MyMoney not only allows you to bring your ACFCU accounts automatically into the tool, it seamlessly connects with over 1,400 other financial institutions enabling you to take a consolidated look at all your financial information collectively. Look for the announcement of MyMoney going live by the end of Q1.

I want to thank each of you personally for your membership. Whether you have been a member for 60 years or 6 months we value your membership. We are here to serve you and grow with you and we don’t take those responsibilities lightly. If you have any questions, any concerns or if you just want to chat, please reach out to me directly at or at 501-315-5626 extension 101.

Thank you again and Happy New Year!


You asked, and we listened! We are so excited to announce that Alcoa Community FCU now offers HELOCs!

What’s even better? Our HELOC product differs from others in our market place. ACFCU is offering a more competitive product that allows you to borrow a higher percentage of your home’s value, plus it has a fixed interest rate!

What will your HELOC do for you?

You can use your home’s value for financing large expenditures such as remodeling your kitchen or bathroom, paying for a wedding, college tuition and fees, medical expenses, costly vehicle repairs and so much more. With regular Home Equity loans, you pay interest on the full amount of the loan until it’s paid off. With HELOCs, you only pay interest on the amount you withdraw! In some instances your interest may even be tax deductible.

Another added bonus of a HELOC is that there’s no need to apply for a new loan every time an unexpected expense or a need arises, wait for an approval, or pay loan processing fees. Just withdraw the amount you need for any unexpected expense on your HELOC!

DOWNLOAD an application here and setup an appointment with one of our loan officers.


Each year, the Cornerstone Credit Union League hosts its annual marketing conference. Member credit unions are encouraged to enter their best marketing pieces to compete with other regional credit unions. We’re proud to announce that ACFCU was awarded first place in five different categories: Digital Marketing, Outdoor Advertising, Newsletter, Complete Campaign, and Brand Awareness.

In addition to these awards, ACFCU was voted Best of the Best by the Arkansas Democrat Gazette readers and was Voted Best in Business by the Saline Courier readers.

Award Winning Marketing


Scholarship Application

Alcoa Community Federal Credit Union is offering a $1,000.00 scholarship to one 2019 Saline County high school graduate.

Eligibility requirements: Winner must be a 2019 graduate from any of the following Saline County High Schools: Bauxite, Benton, Bryant, Harmony Grove, Arkansas Christian Academy.

Scholarship payment: Scholarship will be paid directly to the school the winner will attend (4 year college, 2 year college or technical school).

Scholarship deadline for Submission: May 1, 2019

Winner announced: May 8, 2019

Application Requirements: Applicant must complete a short application and submit an essay.

Essay Topic: If you could make one positive change for the youth in your community, what would it be and why?


Send application to:

Alcoa Community Federal Credit Union
ATTN: Sara Rowell
P.O. Box 1269
Benton, AR 72018