User ID/Account #
Unauthorized login attempts may be prosecuted to the fullest extent of the law.
1-866-TobyFCU (866-862-9328) 
Routing # 231386331 
Current Prime Rate 3.25% 
Current Fed Funds Rate 0.25% 


An at-a-glance look at all of our current promos

Current Promos

Promotions current as of: 03/28/2014

18 Month Bump Up Certificate3

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Term (Months) Minimum Balance Rate (APY*)
18 $500 .80%

Open an 18-month Bump Up certificate at 0.80%APY and the during the term of the certificate you can choose to “bump up” the rate based on the current rate of our 12-month certificate.3

TobyFCU is Paying Bills this year!11

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When you sign up for and utilize Bill Pay in 2014, you will automatically be entered into our monthly drawing to have one (1) bill up to $100 refunded by the credit union*.

A new winner will be chosen each month.

Sign up today and your bill may be on us!

See official contest rules. PDF

30 Month Certificate 10

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Earn 1.00% APY 10 on a 30-month Share Certificate.

Term (Months) Minimum Balance Rate (APY*)
30 $500 1.00%

Get 2.99% Annual Percentage Rate9 for 12 months on a Home Equity Line of Credit!

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Update, renovate, or consolidate for a fresh start to your new year! Do some home renovations, consolidate debts, or alleviate stress a relaxing vacation. However you choose to freshen up in the new year get it done with a low-rate HELOC from TobyFCU!

1% Cash Back on Visa Balance Transfers or introductory 0% Financing for 6 months with no balance transfer fee

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Simply switch to our Visa Credit Card and qualify for your choice of either 1% Cash Back on your transferred balance or choose introductory 0% financing for 6 months on your transferred balance. Either way there is no balance transfer fee!

If you choose the 1% Cash Back, the funds will be deposited into your Share Savings account on the first of the month following your transfer.

Note: Transferred balances of $2,500.00 or greater must be retained for 6 months; if paid off prior, the 1% cash back amount will be added back to your credit card balance.

$105 for opening a new Checking Account1 at TobyFCU

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Receive $105 for bringing your checking account relationship to us. New checking must include direct deposit2, debit card, Online Banking, Bill Pay3, and eStatements13.

Make $25 when you refer someone to Tobyhanna FCU4

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Refer somebody to open an account with us and receive $25. The $25 will be deposited into the referring member's account once the new referred member's account is verified and opened.

Make Your Home Work for You!

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You work hard for your home, now it's time to make it work for you! With Home Equity Loan rates starting as low as 2.75% APR* for 5 years, 3.75% APR* for 7 years or 4.99% APR* for 15 years, funding that remodeling project or vacation you've had in mind just became easier!3

Plus, for a limited time Tobyhanna FCU is offering no appraisal fees and no closing costs on our Home Equity Loans and Lines of Credit saving you up to $600!

We'll beat any local competitor's Home Equity rates and give you a $250 cash rebate12!

See More Home Equity Loan

Conditions & Notes

A processing fee of $99 may apply to loans.
Promotional rates and terms are subject to change at any time without notice. Always contact credit union for most recent information. TobyFCU membership required with all promotions.
* Annual Percentage Rate
1 New checking for those that do not currently have a checking relationship with TobyFCU. In order to open new checking account member must be eligible for membership at TobyFCU, must clear through chexsystems and other required account opening procedures. New checking account must remain in good standing and conduct at least one transaction per month for the first three months. Incentive will be paid in 90 days after account opening. Member will not qualify for promotion if alternative checking product was closed within the last 12 months.
2 $500.00 minimum direct deposit required every 30 days for the first three months and needs to be deposited within 60 days of new account opening. Value of cash award will be reported to IRS as taxable income.
3 Must pay at least two (2) bills using Bill Pay within 60 days of account opening.
4 $25 will be deposited into the referring member's share savings account once the referred member's new account has been opened and verified. Current member's account must be in good standing in order to receive money. The person being referred must not be an existing Tobyhanna Federal Credit Union (FCU) member and must not have been a member who closed an account within the last six (6) months. New members must give a correct first and last name of an existing Tobyhanna FCU member during the initial verification of membership for the referring member to receive the referral award. We reserve the right to disqualify referral awards in circumstances where fraud is suspected. Terms of program subject to change. The value of the referral will be reported to the IRS as taxable income.
5 Monies not currently on deposit at TobyFCU.
6 Direct Deposit is defined as $500 or more of electronic deposit to your account in the last 30 days.
7 Rates start as low as 2.75% APR for 60 months and 3.75% APR for 84 months. Rates based on credit worthiness. Limited time offer. Rates and terms subject to change without notice. Some restrictions apply. Fees will apply if loan is paid off within 3 years. Current TobyFCU Home Equity Loans are excluded. Contact us for complete terms and conditions.
9 2.99% APR applies on 20-year HELOC opened during the promo period and advances taken during the first year of the loan. After 12 months from the open date all balances will revert to the current rate at the time based on the original loan disclosures. Rate based on credit score of 680 or above for all new HELOCs. For existing 20-year HELOCs that are in their draw period according to the original loan agreement, rate only applies if advance taken during the promo period. All current balances will remain at the current rate based on the original loan disclosures. The date of the first draw starts the promo period. After 12 months from that date the rate will revert to the current rate at the time based on the original loan disclosure. Combined LTV must not be greater than 80%. A recapture fee of closing costs will apply if loan is paid off within 3 years. Limited time offer. Rates and terms subject to change without notice. Some restrictions may apply. Contact credit union for complete terms and conditions.
10 Annual Percentage Yield. $500 minimum deposit required to open certificate. Rate available to funds not currently on deposit at the credit union. Limited  time offer. Rates and terms subject to change without notice. Penalty may be imposed for early withdrawal. At maturity, funds in the 30-month certificate will renew into a 24-month term. Contact credit union for complete details.
11 Must have a TobyFCU Share Draft Checking Account and be signed up for Online Bill Pay. Odds of winning depend on number of automatic entries received. Winners will be pulled on or before the 3rd business day of each new month and contacted on or around the same day notifying them that one of their bills was refunded back to their Share Draft Checking Account. Max refund of $100 will be awarded for a bill over that amount. Please see the official contest rules (PDF).
12 Competing financial institution must be located in Lackawanna, Luzerne, Monroe, Pike, Wayne or Wyoming counties. Ad must be brought into branch from competing financial institutions in order to verify rate. Competitor Mortgage rates do not qualify for this offer. Cash rebate will be deposited into member's share savings account after loan has been approved. Inquire at TobyFCU for complete terms and conditions.
13 Must sign up for eStatements within the first 30 days of account opening.