Affinity One Credit Union Lakewood NY | Affordable Auto Loans & Business Banking

Introduction

Welcome to Affinity One, your trusted financial partner located at 10 Sessions Ave, Lakewood, NY 14750. Since our establishment in 1948, we have been dedicated to serving our community with personalized banking solutions that meet your unique needs. With a strong commitment to our members, we proudly support over 3,396 individuals and families, helping them achieve their financial goals. At Affinity One, we understand the importance of trust and reliability when it comes to managing your finances. Our total assets stand at an impressive $44,556,108, which reflects our stability and dedication to providing exceptional service. With $1,018,358 in total deposits and a net worth of $4,612,247, we are well-equipped to assist you with everything from personal banking to business loans. Our leadership team is here to ensure you receive the best experience possible. Under the guidance of CEO Melinda Best and Board President Timothy Adam, our staff of 12 employees is committed to making your banking experience smooth and enjoyable. Whether you need assistance with checking accounts, auto loans, or credit cards with rewards, we've got you covered. If you need us for any official correspondence, please note that while members can visit us at our branch address, official mail should be sent to the same location: 10 Sessions Ave., Lakewood, NY 14750. We invite you to explore our services further by visiting our website at affinityonefcu.org. Our friendly team is ready to assist you; feel free to call us at 716-483-2265 with any questions or inquiries. Join us today and discover how Affinity One can help you thrive financially!

Branch History & Mission

Welcome to the story of Affinity One, a beacon of community-focused banking in Lakewood, NY. Established in 1948, our branch has grown from humble beginnings into a trusted financial partner for over 3,396 members, reflecting our commitment to serving the needs of our community. Located at 10 Sessions Ave, Lakewood, NY 14750, Affinity One is easily accessible for anyone in the area. We pride ourselves on being more than just a credit union; we are an integral part of Lakewood's fabric. Over the years, we have celebrated numerous milestones, including reaching a total asset value of $44,556,108, which allows us to offer a wide range of financial products and services tailored to meet your needs. Our mission is simple yet powerful: to empower our members with reliable financial solutions while fostering community support. At Affinity One, we believe that everyone deserves access to quality banking services. Our offerings include personal banking accounts, auto loans, mortgage financing, credit cards with rewards, and more. We also provide essential services like online banking and mobile applications to ensure that managing your finances is convenient and straightforward. In addition to our financial services, we are deeply committed to giving back to Lakewood. Our partnerships with local organizations enable us to support various outreach efforts aimed at enhancing the quality of life in our community. We understand that when our community thrives, we all benefit. While members can visit us at 10 Sessions Ave, official correspondence should be sent to the same address for convenience. Our branch features ATM availability and drive-thru services for quick and easy transactions. As we look toward the future, we remain dedicated to adapting and innovating to better serve you. With ADA compliance and ongoing improvements in technology, we strive to create an inclusive environment where every member feels valued and supported. Join us today at Affinity One! Experience firsthand the benefits of being part of a member-driven credit union that prioritizes your financial well-being while investing in our shared community. For more information or assistance, feel free to contact us at 716-483-2265. Together, let's build a brighter financial future!

Branch Location & Accessibility

Convenient Access and Features

When you visit us at our Lakewood branch, you'll find ample parking right outside, ensuring that your visit is hassle-free. Our facility is fully ADA compliant, featuring ramps and other accessibility options to accommodate all members of our community. Whether you're stopping by for a quick transaction or needing assistance with a loan application, our team is ready to help. Our operating hours are aligned with those of our main office, providing flexibility for your banking schedule. You can reach us at (716) 483-2265 during these hours. With ATM availability on-site and a drive-thru service, we aim to make your experience as convenient as possible.

Services Offered

At Affinity One, we offer a variety of services tailored to meet your personal banking needs from checking and savings accounts to auto loans, mortgage refinancing, and credit cards with rewards. Our shared service center allows members from partner credit unions to easily conduct transactions like deposits and withdrawals right here in Lakewood. While you're welcome to visit us at 10 Sessions Ave for all your banking needs, please note that any official correspondence should be sent to the same address. We invite you to come see how Affinity One can support your financial journey! Stop by today or give us a call; we look forward to assisting you!

Member Eligibility

At Affinity One, we believe that everyone deserves a supportive community to help them achieve their financial goals. Becoming a member is simple and welcoming! If you live, work, worship, or attend school in the Lakewood area or have a family member who is already a member, you are eligible to join our credit union. It's all about creating connections and building trust within our community. Joining us not only opens doors to personalized financial services but also allows you to enjoy benefits like competitive rates on loans and savings accounts. Plus, as a member of Affinity One, you'll be part of a cooperative where your voice truly matters. Ready to take the next step? You can find more details about eligibility at this link. If you have any questions or would like assistance with the process, feel free to give us a call at (716) 483-2265. We're here to help you every step of the way!

Business Banking & Commercial Services

Commercial Loans

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

Imagine a world where your transactions are seamless and efficient. Our merchant services make it easy for you to accept payments from customers, whether they prefer credit cards, debit cards, or mobile payments. This allows you to focus on what truly matters: growing your business and serving your clients. Visit us at 10 Sessions Ave Lakewood Ny 14750 in Lakewood, NY or give us a call at (716) 483-2265 to learn more about how our business banking and commercial services can empower your enterprise!

Comprehensive List Of Services

Business Banking Solutions

For those who own a business or are thinking of starting one, we offer comprehensive business banking services. Our merchant services can help streamline your payment processing, while our business loans provide the necessary funding to grow your enterprise.

Credit Cards and Rewards

Don't forget about our credit cards with rewards! These cards not only allow you to make purchases but also earn points that can be redeemed for various rewards. It's a smart way to get more from every dollar you spend.

Digital and Convenient Banking

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking options. With just a few taps on your smartphone or clicks on your computer, you can manage your accounts, pay bills, and transfer money without needing to visit us in person. We also understand that sometimes you need cash quickly. Our ATM services ensure you have easy access to funds whenever necessary. For those who prefer face-to-face interactions but are short on time, our drive-thru banking allows for quick deposits and withdrawals without leaving your car.

Personal Banking Services

Starting with personal banking, we offer checking and savings accounts designed to help you manage your day-to-day finances effortlessly. Imagine having access to your funds anytime you need them, whether it's for daily expenses or saving up for a special occasion. When it comes to purchasing a vehicle, our auto loans and vehicle financing options make it easy for you to drive away in the car of your dreams. Our competitive rates and flexible terms can fit any budget. If you're looking to buy a home, our mortgage loans and refinancing services provide the support you need to secure a mortgage that works for you. If life throws unexpected expenses your way, our personal loans and debt consolidation options are here to help. We understand that financial situations can change, and we're ready to assist you in getting back on track.

Shared Branching Options

Additionally, if you're a member of another participating credit union, our shared branching service makes it simple for you to conduct transactions like deposits and withdrawals at partner locations. At Affinity One in Lakewood, NY, we're here to support all aspects of your financial life with friendly service and expert advice. If you're ready to explore how we can assist you further or if you have any questions about our services, don't hesitate to reach out at 716-483-2265 or visit us online at affinityonefcu.org. Your financial well-being is just a conversation away!

Digital & Online Banking

Convenience and Security

We know security is a top priority for our members. Our online banking services are designed with safety in mind, ensuring that your information stays protected while giving you the convenience you need. You can manage your accounts in real time, allowing you to stay on top of your financial health without any hassle. At Affinity One, we're committed to providing user-friendly solutions that fit into your life. Explore all our digital banking services today and experience how easy managing your finances can be!

Key Features

One of the standout features is our mobile application, which puts banking right in your pocket. Whether you want to view transactions or make deposits, it's all just a tap away. Plus, if you prefer paperless statements, we offer e-statements that you can access whenever you need them no more waiting for mail! For those who like to send money easily, our platform supports person-to-person transfers, making it simple to share funds with friends and family. While we currently don't offer mobile payments, you can still enjoy a secure banking experience with features like electronic signature authorization for added peace of mind.

Financial Strength

A Dedicated Team at Your Service

Our financial success is supported by the hard work of our team. We proudly employ 12 full-time employees who are dedicated to serving you with knowledge and care. Whether it's answering your questions or assisting with your transactions, we're here for you.

Building Trust Through Stability

Our operational efficiency is highlighted by our $0, enabling us to continue offering competitive loan rates and solid financial products for our members. With a total of 4,381 accounts under management, it's clear that our growing member base trusts us with their finances. In conclusion, 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 10 Sessions Ave Lakewood Ny 14750 or call (716) 483-2265 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings Options

Your savings are secure with us. We have $2,323,752 in share certificates and $3,423,226 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.

Reinforcing Our Commitment

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. Additionally, 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.

Strong 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.

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, we make it easier for you to drive away in your desired vehicle. Whether you need financing for a brand-new model or a reliable pre-owned option, our auto loans can provide the support you need.

Credit Lines

For those who prefer flexibility with their borrowing needs, our total credit lines amount to $1,510,000. This gives you access to funds whenever you may need them without having to apply for a new loan each time. If you're ready to take the next step towards achieving your financial dreams or want more information about our services, feel free to reach out at 716-483-2265. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Visit us today or check out our website at Affinity One for more details on how we can assist you with your loan needs!

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $554,260, making buying or refinancing simple. We strive to provide competitive rates and terms that fit your budget. Plus, if you're considering refinancing an existing mortgage, our team can assist with eligibility options to help reduce your monthly payments.

Unsecured Credit Card Loans

Managing daily expenses can be challenging. That's why we also offer flexible terms on unsecured credit card loans, with a total of $991,934 in loans helping members manage their finances effectively. This option allows you to handle unexpected costs without the worry of collateral.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring Accurate Comparisons

LendMesh sources its loan data 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 commitment ensures that users receive fair and transparent offers when comparing loans.

AFFINITY ONE FEDERAL CREDIT UNION - Lakewood, NY