Affinity One Credit Union Jamestown NY | Best Auto Loans & Business Banking

Introduction

Welcome to Affinity One Federal Credit Union, your trusted partner in financial success since 1948. Located at 545 E 2Nd St, Jamestown, NY 14701, we proudly serve our community with a commitment to provide personalized banking solutions tailored to your needs. With a strong membership base of 3,396 and total assets exceeding $44,556,108, we are dedicated to ensuring that our members feel supported in every financial journey. At Affinity One, we believe in building lasting relationships with our members by offering a range of services from checking and savings accounts to auto loans and mortgages. Our team of 12 skilled employees, led by CEO Melinda Best and Board President Timothy Adam, is here to guide you through your financial decisions with expertise and care. While you can visit us at our branch for all your banking needs, please note that official correspondence should be directed to our mailing address: 545 East Second St, Jamestown, NY 14701. We invite you to explore the various ways we can assist you financially, whether it's through our competitive loan offerings or our convenient online banking services. With total deposits amounting to $1,018,358 and an impressive net worth of $4,612,247, Affinity One is not just a credit union; we are part of the fabric of this community. Our mission is rooted in providing value and support to each member while fostering economic growth within Jamestown and beyond. We encourage you to reach out to us at 716-483-2798 for any inquiries or visit our website at affinityonefcu.org for more information about becoming a member or accessing our services. Join us today as we work together towards achieving your financial goals!

Branch History & Mission

Community Commitment

Affinity One is not just about numbers; it's about people. We actively engage with our community through various outreach programs and partnerships that aim to uplift those around us. Whether it's sponsoring local events or providing educational workshops on financial literacy, we take pride in being a responsible and involved neighbor. While members can visit us at our branch location for all their banking needs including drive-thru services for quick transactions official correspondence should be sent to 545 East Second St, Jamestown, NY 14701 if different from our physical address.

Looking Forward

As we continue to embrace advancements in technology while ensuring ADA compliance for all members, we're committed to enhancing your experience through online banking and mobile access. Our operating hours are designed with your convenience in mind: Monday through Wednesday from 8:30 AM to 4:00 PM and Thursday through Friday from 8:30 AM to 5:30 PM, with Saturday hours from 9:00 AM to 12:00 PM. If you're looking for a place where you can feel valued as part of a community-focused organization, look no further than Affinity One. Join us today and discover the many benefits of being a member of our credit union! For more information or any inquiries, please call us at 716-483-2798 or visit our website at Affinity One Federal Credit Union. Together, let's build a brighter financial future!

Our Journey

Located at 545 E 2nd St, Jamestown, NY 14701, Affinity One began as a small credit union focused on providing essential financial services to its members. Through hard work and dedication, we have expanded our offerings to include personal banking, auto loans, mortgage financing, and business banking solutions. Our total assets now stand at an impressive $44,556,108, reflecting our stability and growth within the local economy. Our mission is simple yet profound: we strive to empower our members by offering accessible financial services that foster growth and stability. We believe that everyone deserves the opportunity to achieve their financial goals, whether it's buying a new car or planning for retirement. Our team is here to support you every step of the way.

Branch Location & Accessibility

Accessibility Features

We understand how important accessibility is for all our members. Our branch is designed with ADA compliance in mind, ensuring that everyone can navigate comfortably. You'll find ramps and ample parking available nearby so that visiting us is as easy as possible.

Get in Touch

Ready to learn more about how Affinity One can support your financial journey? Don't hesitate to give us a call at 716-483-2798 or visit us during our operating hours. We look forward to seeing you soon!

Operating Hours

At Affinity One, we value your time. That's why we offer convenient operating hours to fit your busy schedule. Our lobby is open from Monday through Wednesday from 8:30 AM to 4:00 PM and extends our hours on Thursday and Friday until 5:30 PM. We also welcome you on Saturday mornings from 9:00 AM to noon for quick drive-thru service.

Services Offered

At our branch, we provide a wide range of services tailored to meet your financial needs. From checking and savings accounts to auto loans and credit cards with rewards, we have something for everyone. Need assistance with mortgage loans or personal loans? Our knowledgeable staff is ready to help you explore your options. For those who prefer added convenience, we also offer drive-thru banking for deposits, withdrawals, and simple transactions without leaving your vehicle.

Member Eligibility

At Affinity One, we believe that everyone deserves access to a financial community that truly cares. Joining us is not just about opening an account; it's about becoming part of a family that supports your financial journey. To be eligible for membership, you simply need to live, work, worship, or attend school in the Chautauqua County area. This includes all residents and employees in our vibrant community. If you want to know more about the specific criteria, feel free to check out our detailed guidelines at https://www.affinityonefcu.org/membership/. Opening your account is straightforward and welcoming. Just visit us at 545 E 2Nd St Jamestown Ny 14701 or give us a call at (716) 483-2798, and we'll guide you through the easy process of becoming a member. Enjoy personalized services like checking and savings accounts, auto loans, and more all designed with your needs in mind. Join us today and experience the benefits of being part of Affinity One!

Business Banking & Commercial Services

Business Loan Options

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. Additionally, we 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 today's fast-paced market, effective payment solutions can make all the difference. Our merchant services allow you to accept payments easily, ensuring that transactions are smooth and efficient. This not only enhances customer satisfaction but also streamlines your operations. Located at 545 E 2Nd St, Jamestown, NY 14701, Affinity One is here to provide the resources you need for success. Contact us today at 716-483-2798 to learn more about how we can support your business journey!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

If you're in the market for a new vehicle, consider our auto loans and vehicle financing options. We understand that buying a car can be a big step, so we make the process straightforward and stress-free. Our friendly staff can guide you through choosing the right loan that fits your budget.

Business Banking Services

If you run a business or are thinking about starting one, our business banking services include merchant services and business loans designed to help entrepreneurs succeed. We know the challenges of managing finances as a business owner and are here to provide support every step of the way.

Convenient Digital Banking Features

With Affinity One Federal Credit Union, managing your finances is easier than ever thanks to our online and mobile banking services. You can check balances, transfer funds, pay bills, and even apply for loans from the comfort of your home or on the go. Our basic drive-thru banking also makes it simple to handle deposits and withdrawals without needing to enter the branch.

Credit Cards with Rewards

For those who enjoy using credit cards, we offer credit cards that come with rewards programs. You can earn points for everyday purchases, making it easier to treat yourself or save for something special.

Mortgage Loans & Refinancing

Homeownership is within reach with our mortgage loans and refinancing services. If you're dreaming of owning your own home or looking to lower your monthly payments on an existing mortgage, we can provide personalized solutions that cater to your specific situation.

Personal Banking Solutions

Starting with personal banking, we offer various options for checking and savings accounts designed to fit different lifestyles. Imagine having easy access to your funds while enjoying competitive interest rates that help your savings grow. Whether you're saving for a vacation, a new car, or just a rainy day, our accounts are structured for convenience and accessibility.

Personal Loans & Debt Consolidation

Life can bring unexpected expenses, and that's where our personal loans come into play. Whether you need funds for home repairs or medical bills, we can assist with quick access to cash. Plus, if you're juggling multiple debts, our debt consolidation options can simplify your finances by combining them into one manageable payment.

Your Local Financial Partner

Our commitment is not just about providing services; it's about building relationships within our community. With convenient hours Monday through Wednesday from 8:30 AM to 4:00 PM and Thursday through Friday until 5:30 PM we're here when you need us most. For more information about how Affinity One can assist you in achieving your financial goals or if you have any questions about our services, feel free to give us a call at (716) 483-2798 or visit us online at https://www.affinityonefcu.org/. Let us partner with you in creating a brighter financial future!

Digital & Online Banking

Key Features

Our online banking services include the convenience of e-statements, allowing you to go paperless and keep track of your transactions easily. You can also enjoy real-time account management right from your mobile device with our user-friendly mobile application. This means whether you're at home or on the go, managing your money is just a tap away. While we currently do not support electronic signature authorization or mobile payments, our focus remains on providing essential features that enhance your banking experience. For instance, if you need to send money to friends or family, our person-to-person transfer feature is something to look forward to in future updates!

Security and Accessibility

Your security is our top priority. Our online banking platform is equipped with advanced security measures to keep your information safe while giving you peace of mind. You can feel confident knowing that when you log in to manage your finances at any time, you're protected. In a world where time is precious, Affinity One's digital banking services are tailored for accessibility and ease-of-use. Whether you're checking your balance during lunch or scheduling payments late at night, we're here for you. Join us today and discover how simple it is to take control of your finances!

Financial Strength

Committed Team

We also take pride in having 12 full-time employees and 0 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Their expertise is invaluable as they guide you through your banking needs.

Focused on Members

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.

Growing Together

Total Share and Deposit Accounts: 4,381, showing a strong and growing member base that trusts us with their finances. This trust allows us to grow together as we strive to meet the evolving needs of our community. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Affinity One is your trusted partner. Visit us at 545 E 2Nd St Jamestown Ny 14701 or call (716) 483-2798 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our $0 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We are dedicated to maintaining a healthy balance sheet while providing valuable services tailored to your needs.

Reinvesting in Our Community

With $4,555,682 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our commitment to reinvesting back into the community means more support for local initiatives and member services.

Secure Savings Options

Members' savings are secured through $2,323,752 in share certificates and $3,423,226 in money market shares, offering stable and rewarding financial growth opportunities. This means your hard-earned money is not just safe; it's also working for you.

Solid Financial Health

With a net worth of $4,612,247, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,035 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Supporting Your Financial Goals

With $528 in used auto loans and $28,145,166 in total loans and leases, our lending capacity supports members' financial goals across various sectors. Whether you're looking to buy a new car or need assistance with personal financing, we're here to help.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $8,148,674 in used vehicle loans and $5,424,244 in new vehicle loans already helping members get on the road. Whether you're looking for financing on a new or used vehicle, our team can guide you through competitive terms that fit your budget.

Credit Lines

If you're looking for additional flexibility in managing your cash flow, our total credit lines amounting to $1,510,000 can give you the extra room you need for unexpected expenses or planned purchases. At Affinity One, we are committed to providing accessible financing options tailored to your needs. If you're considering refinancing or want to know more about eligibility options for any of our loan products, don't hesitate to ask during your visit or call us. For more information on how our loan products can support your financial journey, feel free to visit our website at Affinity One or contact us directly. Remember, performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. We're here to help you succeed!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $554,260, make buying or refinancing simple. We provide flexible terms and expert advice to help you navigate the mortgage process.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $991,934 in loans helping members manage their finances effectively. These cards come with benefits designed to meet your everyday spending needs while providing peace of mind.

Loan Aggregator

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Real-Time Rate Comparisons

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Affinity One