Business Details
50+ Years
experience
Your Trusted Partner for Community Banking in Springfield, MA
STCU Credit Union has served as a trusted, not-for-profit financial institution since 1929, dedicated to helping members achieve their financial goals through personalized service and competitive products. Our member-owned structure ensures profits are reinvested into the community through low loan rates, reduced fees, and competitive dividend rates. With over 95 years of local expertise and $138 million in assets, we combine old-fashioned service with modern technology to serve communities across Western Massachusetts and Northern Connecticut.Our decision-making remains local, ensuring area businesses and individuals benefit directly from our community-focused approach. We maintain a strong commitment to transparency, ethical practices, and member satisfaction through our hometown banking philosophy.
Services
Savings Accounts
Personal Loans
Mortgage Services
Online Banking
Credit Cards
Details
- Year established: 1929
Highlights and features
- 95 years of serving Western Massachusetts communities
- Member-owned cooperative returning profits to members
- Local decision-making for personalized financial solutions
- 24/7 digital banking access with surcharge-free ATMs
- Expanded service area covering 5 Massachusetts and Connecticut counties
Services
Savings Accounts
Our Share Savings Accounts offer secure, interest-bearing options with $25 minimum balance requirements. Members earn competitive dividends while maintaining liquidity. Account holders gain eligibility for additional financial products and services.
Personal Loans
We provide fixed-rate personal loans for debt consolidation, major purchases, and life events. Competitive rates and flexible terms help members achieve financial goals without excessive fees or hidden charges.
Mortgage Services
Our mortgage lending team offers competitive fixed and adjustable-rate home loans. Services include purchase financing, refinancing, and home equity lines of credit with personalized guidance throughout the process.
Online Banking
24/7 digital access enables account management, bill payments, fund transfers, and mobile check deposits. Security features protect transactions while maintaining user-friendly access across devices.
Credit Cards
Visa credit cards with competitive rates and rewards programs provide purchasing flexibility. International usage capabilities require pre-travel notification for enhanced security and service continuity.
People
Michael S. Ostrowski
President and CEO
Leading STCU Credit Union's strategic direction with decades of financial leadership experience. Championed Connecticut expansion and community-focused banking initiatives while maintaining core cooperative values.
Harry (Chip) Moore III
Leadership Team
Bringing 30+ years of financial leadership and strategic insight to support member services and community development. Strengthens organizational capacity through proven expertise in credit union operations.
Shawn Torres
Financial Advisor
Managing Director of Vitae Wealth Management with AIF designation. Provides investment advisory services through partnership with NEXT Financial Group, focusing on personalized wealth management solutions.
Questions
Who can join Arrha Credit Union?
Membership is open to anyone living or working in Hampden, Hampshire, or Franklin counties (MA), Hartford and Tolland counties (CT), and their immediate family members.
Do I need an appointment for branch services?
No appointments are required for branch visits. Members can access services during regular business hours at locations in Springfield, West Springfield, and Enfield.
How do I access mobile banking features?
Download Arrha's mobile apps from the App Store or Google Play. Enroll through Home Banking to access balances, transfers, bill payments, and mobile check deposit.
What distinguishes credit unions from banks?
As a member-owned cooperative, we return profits to members through better rates and lower fees. Decisions are made locally by people who understand community needs.
Can I use my debit card internationally?
Yes, Arrha debit cards work internationally. Notify us before travel through phone or Home Banking to ensure uninterrupted service and security verification.
What is the routing number?
Arrha Credit Union's routing number is 211885917 for ACH transactions and account identification purposes.
