Advantage Financial Albany NY Credit Union | Best Auto Loans & Business Banking

Introduction

Welcome to Advantage Financial at the Albany Med Center, where your financial well-being is our top priority. Located at 113 Holland Ave, Albany, NY 12208, we have proudly served our community since 1964. With a strong membership base of 9,395 individuals, we are dedicated to providing personalized financial services tailored to meet the needs of our members. At Advantage Financial, we understand that every dollar counts. That's why we manage a robust portfolio with total assets reaching an impressive $108,485,041 and total deposits of $4,686,943. We also offer various loan options currently managing 4,143 loans and leases ensuring you have access to the funds necessary for your personal or business needs. Our leadership team, headed by CEO Donald Johnson and Board President Donald Walsh, is committed to fostering a supportive environment for our members. With a dedicated staff of 30 employees, we strive to deliver exceptional service while maintaining a net worth of $12,482,028 and cash in hand totaling $1,343,699. While members can visit us at our branch for all their banking needs, official correspondence should be sent to the same address. Whether you're looking for checking accounts, auto loans, mortgages, or credit card options with rewards, we are here to help you navigate your financial journey. Ready to take the next step? Give us a call at 518-465-4211 or visit our website at advfcu.org to learn more about how we can assist you today!

Branch History & Mission

Community Engagement

Advantage Financial believes in giving back. Through partnerships with local organizations and initiatives aimed at improving financial literacy, we contribute positively to Albany's growth and prosperity. Whether it's hosting workshops or participating in community events, we are dedicated to making a meaningful impact beyond just banking.

Join Us Today!

As we look toward the future, we invite you to join Advantage Financial and experience the benefits of membership firsthand. Explore how our personalized services can help you achieve your financial goals while being part of a supportive community-focused institution. For more information about membership or services offered, feel free to reach out at 518-465-4211 or visit us online at Advantage Financial. Together, let's build a brighter financial future!

Our Evolution

From our humble beginnings, Advantage Financial has continuously evolved to meet the changing needs of our members. Over the years, we have expanded our offerings to include a wide range of financial services such as auto loans, personal loans, credit cards with rewards, and mortgage financing. Our dedication to innovation is evident through our user-friendly online banking platform and mobile application that make managing finances easier than ever. While you can visit us at our branch on Holland Avenue, official correspondence should be directed to the same address. We are conveniently situated near several local landmarks that enhance accessibility for our members.

Our Mission

Our mission at Advantage Financial is clear: to empower individuals and families through exceptional financial services while actively supporting the community we cherish. We believe that financial stability leads to overall well-being. That's why we focus not only on providing quality banking solutions but also on engaging in outreach efforts that uplift those around us. We are committed to being an inclusive institution where everyone feels welcome. Our team prioritizes customer service excellence and strives to create lasting relationships with all members. As part of this commitment, we ensure ADA compliance throughout our facilities so that all individuals can access our services comfortably.

Branch Location & Accessibility

Call Us Today!

If you have any questions or would like more information about our services, don't hesitate to give us a call at 518-465-4211. We invite you to visit us at Albany Med Center and experience the friendly service that Advantage Financial is known for!

Conveniently Located

Situated near notable landmarks in Albany, our branch is just a short drive from the vibrant downtown area and close to local attractions. If you're in the neighborhood, feel free to drop in! Our location boasts ample parking and ADA-compliant features, ensuring that everyone can access our services with ease.

Operating Hours

At Advantage Financial, we understand that your time is valuable. That's why we offer convenient lobby hours from Monday to Friday, opening at 9:00 AM and closing at 3:00 PM. We aim to provide a welcoming environment where you can manage your finances without any rush.

Services Offered

Our branch offers a wide range of services tailored to meet your personal and business banking needs. From checking and savings accounts to auto loans and credit cards with rewards, we've got you covered. Need cash? Our ATM service is available for quick withdrawals or balance checks anytime you need it.

Member Eligibility

Joining the Advantage Financial community at Advantage Financial is a straightforward and welcoming process, allowing you to become part of a supportive network dedicated to your financial success. To be eligible for membership, you typically need to live, work, worship, or attend school in the Albany area, or have a family member who is already a member. This means that many people can enjoy the benefits of being part of our credit union family! You can find more detailed eligibility criteria on our website at https://cp.decisionlender.solutions/cp2/adva243/(ac/new/eligibility//advertisement:step1). Once you're ready to take the next step toward membership, opening an account is quick and easy. You can start the process online by visiting https://www.netteller.com/login2008/authentication/views/onlineenrollmentagreement.aspx?returnurl=%2fmydvafcu, or feel free to give us a call at (518) 465-4211 if you have any questions. We're excited to help you embark on this journey with us at Advantage Financial, located at 113 Holland Ave Albany Ny 12208. Welcome aboard!

Business Banking & Commercial Services

Commercial Loan Opportunities

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, our merchant services make daily operations easier. Whether you need point-of-sale systems or payment processing solutions, we provide tools that simplify transactions and enhance customer experiences. Think about how a smooth payment process can lead to happier customers and increased sales this is what we strive for at Advantage Financial. Visit us at 113 Holland Ave Albany Ny 12208 in Albany, NY, or call us at (518) 465-4211 to learn more about how we can support your business journey!

Comprehensive List Of Services

Business Banking Support

If you're a business owner, we haven't forgotten about you! Our Business Banking services include essential tools like Merchant Services and Business Loans. We understand that running a business comes with its own set of challenges, and we are here to support your growth every step of the way.

Connect With Us

At Advantage Financial, we're more than just a credit union; we're a community partner committed to helping you achieve financial wellness. If you're ready to explore how we can assist you in reaching your goals or if you have any questions about our services, please don't hesitate to reach out at 518-465-4211. We invite you to visit us during our lobby hours from Monday to Friday between 9:00 AM and 3:00 PM or check out our website at advfcu.org for more information. Let us help you take the next step towards financial success!

Convenient Digital Banking Features

In today's fast-paced world, convenience is key. That's why we offer robust Online & Mobile Banking solutions that let you manage your accounts anytime, anywhere. From checking balances and making transfers to paying bills with just a few clicks, our digital banking platform makes it easier than ever to stay on top of your finances. Need cash? Our branch provides ATM & Cash Withdrawal Services for quick access to your money. You can perform basic transactions like withdrawals and balance checks at our ATM conveniently located nearby.

Personal Banking Solutions

Our personal banking options include Checking & Savings Accounts that are tailored to help you manage your finances effectively. Imagine having a checking account that offers easy access to your funds while earning interest on your savings. With Auto Loans & Vehicle Financing, driving away in your dream car becomes a reality, as we offer competitive rates and flexible terms. If you're considering buying a home, our Mortgage Loans & Refinancing services can guide you through the process, ensuring you get the best possible deal. For those unexpected expenses or larger purchases, our Personal Loans & Debt Consolidation options provide financial relief and help simplify your payments into one manageable monthly fee. Plus, our Credit Cards with Rewards not only give you the purchasing power you need but also allow you to earn rewards on your everyday spending.

Digital & Online Banking

Convenient Online Access

With our online banking platform available at https://www.advfcu.org/, you can access your accounts anytime, anywhere. From checking your balance to transferring funds, our 24/7 online banking services make it simple to stay updated on your financial health. You'll enjoy the peace of mind that comes with real-time account management right from your device.

Mobile Banking at Your Fingertips

For those who prefer managing their accounts on the go, our mobile application is readily available. With it, you can send person-to-person transfers effortlessly, ensuring that sharing funds with friends or family is just a tap away. While we currently do not support mobile payments, our app still provides essential features to keep your banking experience smooth and efficient. In summary, Advantage Financial offers a comprehensive suite of digital banking services that prioritize security and user-friendliness. With tools designed for convenience and accessibility, managing your finances has never been easier. Join us today and discover how our online banking solutions can work for you!

User-Friendly Features

We've made banking easier than ever with features like electronic signature authorization, allowing you to sign documents securely without the hassle of printing or mailing. Plus, you can opt for e-statements, which not only help reduce paper clutter but also give you instant access to your financial statements whenever you need them.

Financial Strength

At Advantage Financial, 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 committed to providing a solid foundation for our members' financial journeys. With a net worth of $12,482,028, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,150 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 $10,654,995 in share certificates and $21,275,963 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 $12,172,854 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our robust lending capacity is highlighted by $360 in used auto loans and $61,950,174 in total loans and leases that support your financial goals across various sectors. Our operational efficiency is reflected in our $278,968, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 29 full-time employees and 1 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Our commitment to transparency means you can trust the numbers behind your credit union. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Advantage Financial is your trusted partner. Visit us at 113 Holland Ave Albany Ny 12208 or call (518) 465-4211 to learn more about how we can help you achieve your financial goals.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $5,713,474 in used vehicle loans and $2,691,859 in new vehicle loans already helping members get on the road. We provide flexible financing options for both new and used vehicles, ensuring you have the support you need at every step of your car-buying journey.

Credit Lines

If you're looking for more flexibility in your borrowing capacity, consider our credit lines totaling $32,157,000. They offer a safety net for unexpected expenses or help fund projects without needing to apply for a loan each time. For any questions about eligibility or to start your application process today, feel free to reach out at 518-465-4211. You can also find more details about our services online at Advantage Financial. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Your financial journey is important to us let's take the next step together!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $9,339,450, make buying or refinancing simple. We focus on making the mortgage process easy and accessible so you can settle into your dream home without unnecessary stress. Plus, if you're considering refinancing your current mortgage, we're here to help explore those options as well.

Unsecured Credit Cards

Managing day-to-day expenses can be easier with our unsecured credit card loans. We also offer flexible terms on unsecured credit card loans, with a total of $3,956,275 in loans helping members manage their finances effectively. This product allows you to enjoy the convenience of credit while maintaining control over your spending.

Loan Aggregator

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