An Update on Coronavirus (COVID-19)

Stay up to date on our branch operations.

Visit our Contact Us page for the current status of our branch locations including lobbies, drive-ups, and ATMs.

A message from Karen Rosales, CEO.

Updated April 30, 2020 

As the coronavirus continues to spread, so too does the economic impact on our members and our community. While we have changed the way we provide service to members, our commitment to providing remarkable service and keeping members and staff healthy remains the same.

Branch Locations and Adjusted Hours

As an essential service to our community, we will remain open to support our members as follows:

  • All teller transactions will be directed to our drive-up and ATM lanes, open during the following hours:

    • Monday – Friday: 9:00am – 5:00pm
      Saturday: 9:00am – 1:00pm

  • The Columbia Pike and Glebe Road Branch lobby are open by appointment only, for safe deposit box access and real estate closings. 

  • Goodwin House and Our Lady Queen of Peace branches are closed until further notice.

  • Our Glebe Road Branch has reopened after being closed due to a staff member testing positive for COVID-19. 

Hardship Assistance

For our members experiencing financial hardships, our staff is here to listen and help you find solutions, for both personal and business accounts.  Please contact us to discuss the ways we can offer financial support, including:

  • Mortgage Payment Deferments - please contact Midwest Loan Services at or 800.262.6574 if you are having difficulty paying your mortgage. Please note Midwest is experiencing high inquiry volume. Response time is 3-4 business days, and email communication is preferred.

  • Equity Payment Deferments - if you need to defer payments for an existing loan, please contact

  • Auto and Personal Loan Payment Deferments - if you need to skip your payment*, please check the Skip Payment widget in the Mobile App for an easy process to skip qualified loans, or call us at 703.526.0200 x4. 

  • Short Term Emergency Loans (Fast Cash Loans) – a quick $1,000** with no credit check for existing members of at least 90 days - call 703.526.0200 x2 to apply

  • Long Term Emergency Loans (Hardship Loans) – for $1,000+, with no payments for 60 days - apply online1 and select Hardship Due to Pandemic

  • Share Certificate Fee Waiver on Early Withdrawal – call 703.526.0200 x4 for details2

  • Business Loans - if you need to defer payments for an existing loan, please contact If you are interested in any of the Small Business Administration (SBA) solutions, please visit our CARES ACT for Businesses information page to learn more.

Digital Banking Options

You will find that our remarkable service extends to all of our digital channels and we encourage you to use the following:

  • Mobile & Online Banking is available when you need to deposit checks, transfer funds between accounts or financial institutions, manage your Credit and Debit Cards, or contact us seamlessly through Secure Messaging. New features allow you to activate new cards, report them lost or stolen, and perform Credit Card cash advances and balance transfers. 

  • Online Lending is available for Consumer Loans or Mortgage Loans.

Supporting our Community

In response to community needs due to COVID-19, we developed a Community Support Plan to encourage staff volunteerism, commit to community leadership and financial education, and direct much-needed funds to local nonprofits totaling $15,000, including:

  • Arlington Thrive: Same day emergency assistance for neighbors in financial crisis

  • Real Food for Kids: Meals for Arlington Public School students in partnership with Bayou Bakery

  • Doorways for Women and Families: Shelter and care for families encountering domestic violence, including financial abuse

  • Arlington Food Assistance Center: Meeting increased demand for groceries by families in need

  • Bridges to Independence: Supporting families encountering homelessness

  • Arlington Chamber of Commerce: Providing key educational content for how businesses and nonprofits can work together

Beware of Scams

As fraudsters try to take advantage of people during these difficult times, the financial industry is seeing an increase in emails, calls, and texts from illegitimate sources pretending to be your credit union or bank.

  • We will never contact you by phone, email or text and ask for your account information.

  • Beware of emails from ACFCU asking you to click on links. 

  • If you receive any communication from ACFCU that doesn’t seem quite right, please contact us to verify.  We are just a quick call away.  Better to be safe!

  • For information on Coronavirus scams or to learn how to report scams, visit the Federal Trade Commission.

While this pandemic has caused tremendous hardship and challenges for our members and community, seeing people come together to support their neighbors – and strangers – fuels our passion for serving this wonderful community even more. It’s been our honor to serve you during this difficult time, and we have no doubt that our resilient community will get through it together.

A sincere thank you for your membership,

Karen Rosales CEO Signature
Karen Rosales, CEO

The Fine Print:

*Interest will continue to accrue. 

**Qualifications: must be a member for at least 90 days. All accounts and loans must be current (not negative or delinquent) for the past six months. Direct deposit is not required. However, $1,000 in deposits every calendar month for the past two months is required. Only one Fast Cash loan per member and only one open at a time with two maximum per rolling 12 months. Must have six months of payments before it can be refinanced. This includes Holiday Dough. Only the primary account holder may apply for Fast Cash. 8.99% interest rate + $40 finance charge = 16.75% APR total. Payment is based on first due date in 30 days. 1. Members who apply online will receive a 0.25% APR discount on a Personal Loan. Not all applicants will qualify for the lowest rate. 2. Excludes withdrawal requests made within seven days of opening a new certificate. 

Message and data rates may apply.

Loan and membership eligibility apply.