Adirondack Regional Credit Union Potsdam NY | Best Auto Loans & Business Banking

Introduction

Welcome to Adirondack Regional, your trusted financial partner located at 166 Market St, Potsdam, NY 13676. Since our establishment in 1947, we've been dedicated to serving our community with integrity and a personal touch. With over 7,085 members and $89,366,082 in total assets, we pride ourselves on being a member-focused credit union that truly cares about your financial well-being. At Adirondack Regional, we understand the importance of having access to reliable financial services. That's why we offer a wide range of products including personal banking accounts, auto loans, mortgages, and business financing solutions. Whether you need assistance with everyday banking or you're looking to secure financing for your next big purchase, we are here to help. Our commitment to our members goes beyond just numbers. We have a passionate team of 16 employees, led by our CEO Basel Farhat and Board President Brian Dukett, who work tirelessly to ensure you receive the best service possible. You can always reach us at 315-268-1440 during our lobby hours from Monday to Friday, 8:30 AM to 5 PM. While members can visit us at 166 Market St, official correspondence should be sent to the same address for your convenience. We invite you to explore our website at adkcreditunion.com for more information on how we can assist you in achieving your financial goals. Join us today and discover how Adirondack Regional is committed to empowering our community through exceptional financial services!

Branch History & Mission

Welcome to Adirondack Regional, a credit union that has been a cornerstone of financial support in Potsdam, NY, since its inception in 1947. Located at 166 Market St, our branch has proudly served the community for decades, growing alongside our members and adapting to their needs. With a total membership of over 7,000 and assets reaching $89,366,082, we are committed to providing exceptional service and fostering strong relationships within our community. Our mission at Adirondack Regional is simple yet powerful: to empower our members through accessible financial services while actively supporting local initiatives. We believe that by prioritizing our members' needs and investing in the community, we create a better future for everyone involved. Our services include personal banking options such as checking and savings accounts, auto loans, mortgage loans, and business banking solutions. We are here to help you achieve your financial goals. Throughout the years, Adirondack Regional has embraced advancements that enhance member experience. We offer online and mobile banking services for easy access to your accounts anytime, anywhere. Our commitment to accessibility extends beyond digital platforms; we ensure our facilities meet ADA compliance standards so that everyone can benefit from our services. While members can visit us at 166 Market St for their banking needs, official correspondence should be sent to the same address. In addition to our lobby hours from Monday to Friday from 8:30 AM to 5 PM, we also provide convenient drive-thru banking and ATM availability for added flexibility. As part of our mission to give back, we actively engage in community outreach efforts and partnerships with local organizations. This not only strengthens our ties but also enhances the well-being of those around us. We invite you to join Adirondack Regional and become part of a credit union that truly cares about its members and the community it serves. Experience firsthand how we can help you navigate your financial journey while making a positive impact in Potsdam. For more information or assistance, feel free to call us at 315-268-1440 or visit our website at adkcreditunion.com. Together, let's build a brighter financial future!

Branch Location & Accessibility

Banking Services at Your Fingertips

At Adirondack Regional, we offer a variety of services tailored to meet your needs. Whether you're interested in checking and savings accounts, mortgage loans, or business banking solutions, we have you covered. Our branch also features a drive-thru service for quick transactions like deposits and withdrawals without leaving your vehicle. Plus, with ATM availability right outside our door, accessing cash is as easy as ever. If you have any questions or need assistance with your banking needs, don't hesitate to give us a call at 315-268-1440. We look forward to welcoming you soon!

Convenient Banking Hours

We understand that life can get busy! That's why our lobby hours are designed with your schedule in mind. We are open Monday through Friday from 8:30 AM to 5:00 PM. Feel free to drop by anytime during these hours for personalized service.

Nearby Landmarks and Accessibility

Our Potsdam branch is close to several local landmarks, making it an ideal stop during your day. Just a short walk away from the beautiful Clarkson University campus and near the charming shops and cafes downtown, you can easily swing by before or after running errands. We pride ourselves on being accessible to everyone. Our branch features ADA-compliant facilities, including ramps and designated parking spaces to ensure all members feel welcome.

Member Eligibility

Joining the Adirondack Regional feels like stepping into a welcoming community where your financial needs are truly understood. To become a member, you'll find that eligibility is quite inclusive! If you live, work, worship, or attend school in St. Lawrence County, or if you have an immediate family member who is already a member, you can easily join our family. This means that whether you're just starting out or looking to make significant life changes, we are here to support you every step of the way. Being part of our credit union not only gives you access to a wide range of services like checking and savings accounts, auto loans, and mortgages but also connects you with a network that genuinely cares about your financial well-being. To get started on your journey with us at the Adirondack Regional, simply visit our website for more detailed eligibility criteria at http://www.adkcreditunion.com/about/membership. Should you have any questions or need assistance, don't hesitate to reach out to us at 315-268-1440. We're excited to welcome you into our community!

Business Banking & Commercial Services

Loan Options That Empower Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $73 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $9,961,345, we continue to drive economic growth by financing new and expanding businesses.

Practical Merchant Services

In addition to loans, we offer merchant services that simplify transactions for your business. Imagine being able to accept payments easily, whether online or in-person. This service ensures your customers have a smooth experience while boosting your sales potential. Located at 166 Market St, Potsdam, NY 13676, our team is here to guide you through the financial landscape. Ready to take your business further? Reach out today at 315-268-1440!

Comprehensive List Of Services

Accessing Services Made Simple

We believe that banking should be accessible for everyone. Our basic drive-thru banking allows for quick deposits, withdrawals, and simple transactions without needing to step inside the branch. Ready to take control of your finances? Give us a call at 315-268-1440, visit us at 166 Market St, or check out our website at https://adkcreditunion.com for more information about how we can help you achieve your financial goals today!

Business Banking Made Easy

For local businesses, we understand the unique challenges you face. Our business banking services include merchant services and business loans that help fuel your growth. We strive to provide the tools necessary for success so you can focus on what matters most your customers.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking features. With just a few taps on your smartphone or clicks on your computer, you can manage your accounts, transfer funds, pay bills, and even deposit checks from anywhere. Our ATM services ensure that accessing your cash is straightforward and hassle-free whether through our drive-thru or basic ATM access for quick withdrawals and balance checks.

Financial Flexibility

Life is unpredictable; sometimes you need a little extra support. That's where our personal loans and debt consolidation options come into play. We work with you to create a manageable repayment plan that helps ease financial stress. Additionally, our credit cards with rewards allow you to earn points on everyday purchases turning your spending into benefits like cash back or travel rewards.

Personal Banking Solutions

Navigating personal finances can be overwhelming, but with our suite of personal banking options, it doesn't have to be. We offer checking and savings accounts designed to fit various lifestyles and spending habits. Whether you're saving for a dream vacation or need an everyday account for bills and groceries, we have you covered. If you're considering purchasing a new vehicle or refinancing an existing loan, our auto loans and vehicle financing options make it easy to get behind the wheel without breaking the bank. And when it comes to home ownership, our mortgage loans and refinancing services help you find the best rates that suit your budget.

Digital & Online Banking

Accessibility and Ease-of-Use

At Adirondack Regional, we believe that banking should be simple and accessible for everyone. Our user-friendly interface makes it easy for anyone to navigate their accounts and take advantage of our services. With real-time account management features, you'll always know exactly where you stand financially. Whether you're at home or out and about, our digital banking options provide the flexibility you need in today's busy lifestyle. Embrace the convenience of modern banking with Adirondack Regional your trusted partner for all your financial needs!

Key Features

One of the standout features we offer is our mobile application, which allows you to bank on the go. Whether you're making person-to-person transfers or enjoying the ease of mobile payments, everything is just a tap away. Plus, with e-statements available, you can stay organized and keep track of your transactions without the clutter of paper statements. Your security is also a top priority for us. While we don't currently support electronic signature authorization, we ensure that all transactions are protected through advanced encryption methods, giving you peace of mind as you manage your accounts online.

Financial Strength

At Adirondack Regional, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are proud to share insights into our financial health, which you can trust to serve your needs effectively. With a net worth of $6,874,695, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 7.68% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $7,050,346 in share certificates and $11,394,365 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $4,799,119 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Additionally, our lending capacity supports members' financial goals across various sectors with $579 in used auto loans and $59,482,077 in total loans and leases. Our operational efficiency is reflected in our $241,062, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 16 full-time employees and 0 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Net Shares (Funds available for lending and investments): $31,647. Total Share and Deposit Accounts: 15,740, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Adirondack Regional is your trusted partner. Visit us at 166 Market St Potsdam Ny 13676 or call (315) 268-1440 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $8,237,271 in used vehicle loans and $3,991,295 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive rates to ensure you find an option that fits your budget.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $755,541, make buying or refinancing simple. We're here to guide you through the process and help you secure the financing you need for your dream home.

Unsecured Credit Card Loans

Managing finances effectively is crucial. We also offer flexible terms on unsecured credit card loans, though currently we have $0 in this category. This means we're committed to reviewing our products regularly to ensure they meet member needs. For business owners, our outstanding commercial loans totaling $9,961,345 provide the capital needed to grow and expand your business ventures. Refinancing options are available across many of our loan products. Whether you're considering refinancing your current auto loan or mortgage for a better rate or adjusting your credit lines for easier management our team is ready to assist. We invite you to visit us at 166 Market St Potsdam Ny 13676 or call us at 315-268-1440 for more information about our offerings. You can also explore membership eligibility at this link. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let Adirondack Regional help you navigate your financial journey with confidence!

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Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This ensures that users receive fair and transparent offers.

ADIRONDACK REGIONAL FEDERAL CREDIT UNION - Potsdam, NY

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