ALCO Credit Union Cuba NY | Affordable Vehicle Loans & ATMs

Introduction

Welcome to Alco, your trusted financial partner located at 24 E Main St, Cuba, NY 14727. Since opening our doors in 1953, we have proudly served our community with a commitment to providing exceptional banking services. With over 6,700 members and total assets reaching $55,335,416, Alco is not just a credit union; we're a vital part of the Cuba community. At Alco, we understand that every member has unique financial needs. That's why we offer a variety of services, including personal banking options like checking and savings accounts, auto loans, mortgage refinancing, and business banking solutions. Whether you need assistance with loans or are looking for ways to save, our dedicated team is here to support you. Led by CEO Michael Miller and Board President Earl Stellrect, our team consists of 25 skilled employees who are ready to help you navigate your financial journey. We take pride in our transparency and strong financial health, boasting a net worth of $7,156,875 and holding approximately $3,028,776 in deposits. While members can visit us at our branch location for face-to-face service, official correspondence should be sent to the same address: 24 E Main St, Cuba, NY 14727. Ready to start your journey with us? Call us at 585-968-2760 or visit our website at Alco Credit Union today!

Branch History & Mission

Accessibility and Services

We understand that accessibility is key for our members. That's why we offer ATM availability and drive-thru banking services for quick deposits and withdrawals. While members can visit us at 24 E Main St, official correspondence should be sent to the same address as there is no separate mailing address. As we look towards the future, our focus remains on innovation while staying true to our roots in community service. We invite you to join us at Alco where your financial needs are met with care and dedication. Experience firsthand how being part of our credit union can benefit you whether it's through personal banking or business services. Come visit us today or call us at 585-968-2760 to learn more about what Alco can do for you!

Our Commitment to Community

Our branch is not just about transactions; it's about building lasting relationships within the Cuba community. Over the years, we have engaged in various outreach programs and partnerships aimed at enhancing the lives of our members and neighbors. Whether it's sponsoring local events or providing financial literacy workshops, we strive to make a real impact. Alco also embraces modern technology to enhance your banking experience. We offer online banking services for your convenience along with mobile applications that allow you to manage your finances anytime, anywhere. Our lobby hours cater to busy schedules open Monday through Wednesday and Friday from 9 AM to 4 PM, with extended hours on Thursdays until 5:30 PM.

Branch Location & Accessibility

Call to Action

Ready to experience banking that puts you first? We invite you to visit us at the Alco Cuba Branch or give us a call at 585-968-2760. We look forward to serving you soon!

Nearby Landmarks & Accessibility

Located just a stone's throw from the vibrant downtown area, our branch is close to local favorites like the Cuba Cheese Shoppe and the Cuba Historical Society. Parking is plentiful, making your visit hassle-free. We also prioritize accessibility with features such as ADA-compliant ramps, ensuring everyone can enjoy our services comfortably.

Operating Hours & Services Offered

At Alco, we value your time. Our lobby hours are designed with your busy schedule in mind: we're open Monday through Wednesday and Friday from 9 AM to 5 PM, and Thursday until 5:30 PM. Need to bank outside of these hours? No problem! We offer drive-thru banking for quick deposits and withdrawals, as well as ATM access for your convenience. We provide a variety of services tailored to meet your financial goals, including personal banking options like checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and even business banking solutions.

Member Eligibility

At Alco, we believe that joining our community should feel welcoming and inclusive. If you're looking to become a member, we're thrilled to have you! Eligibility at Alco is open to anyone who lives, works, worships, or attends school in the local area, along with their family members. This means that whether you're a long-time resident or just starting your journey here, there's a place for you in our credit union family. By becoming a member, you not only gain access to personalized financial services but also enjoy the benefits of being part of a cooperative that genuinely cares about its members. Opening an account is straightforward and designed to fit into your busy life. You can find all the details on how to get started by visiting our website at http://alcofcu.com/member-application.php. If you have any questions or need assistance during the process, feel free to reach out to us at (585) 968-2760. We look forward to welcoming you into our community at Alco, located conveniently at 24 E Main St Cuba Ny 14727!

Business Banking & Commercial Services

Merchant Services That Make a Difference

We also offer merchant services designed to simplify payment processing, so you can focus on what matters most growing your business. Imagine having a reliable partner to handle transactions efficiently while you provide top-notch service to your customers. Our merchant services make it easy for you to accept payments in-store or online, giving you the flexibility you need in today's fast-paced market. Located at 24 E Main St Cuba Ny 14727 in Cuba, NY, we're here to help your business reach its full potential. Contact us today at (585) 968-2760 to discover how we can support your goals!

Supporting Business Growth

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.

Comprehensive List Of Services

ATM and Drive-Thru Access

Need cash in a hurry? We offer ATM services for quick withdrawals and balance checks. Additionally, our drive-thru banking allows you to conduct simple transactions without leaving your vehicle perfect for busy days when time is of the essence. At Alco, we strive to make banking as straightforward as possible while offering personalized service. If you're ready to explore how we can support your financial journey or if you have any questions about our services, don't hesitate to reach out! Call us at (585) 968-2760 or visit us at 24 E Main St Cuba Ny 14727 in Cuba, NY. Join us today and experience the difference of being part of a community-focused credit union!

Business Banking Services

For our entrepreneurial members, Alco provides robust business banking solutions. From merchant services that simplify payment processing to business loans designed for growth and expansion, we support local businesses in achieving their objectives.

Convenient Digital Banking

In today's fast-paced world, convenience is key. That's why we have embraced online and mobile banking features that let you manage your accounts anytime, anywhere. You can perform transactions through our secure online platform or our mobile app. With options like person-to-person payments and electronic statements, handling your finances has never been easier.

Credit and Debt Management

Life can be unpredictable, and sometimes you may need extra funds. Our personal loans are perfect for unexpected expenses or debt consolidation, allowing you to manage your finances more effectively. Plus, with our credit cards that offer rewards, every purchase can bring you closer to earning perks that enhance your lifestyle.

Personal Banking Solutions

We understand that managing your finances is crucial. That's why we offer personal banking services like checking and savings accounts tailored to help you save effectively while enjoying easy access to your money. If you're considering buying a car, our auto loans and vehicle financing options can get you on the road without breaking the bank. For those looking to purchase a home, our mortgage loans and refinancing services ensure you get competitive rates and flexible terms.

Digital & Online Banking

Key Services Available

With our online banking platform, available at https://www.alcofcu.com/, you can easily check your balance, transfer funds, and pay bills all from the comfort of your home. We also offer E-Statements, which let you view your account statements electronically, saving paper and providing immediate access to your financial history. If you prefer a more modern approach, our mobile application makes it easy to manage your accounts right from your smartphone. Need to send money to a friend? Our Person-to-Person Transfers feature lets you do just that in a few simple steps. Plus, we provide Electronic Signature Authorization for a quick and secure way to sign documents digitally, making processes faster and hassle-free.

Security and Accessibility

Your security is our top priority. Our online banking services are equipped with robust security measures, so you can feel safe while managing your money. With 24/7 availability of our online banking, you're never far from accessing what you need when you need it. At Alco, we believe in making banking easy and accessible for everyone. Whether you're checking balances late at night or transferring money during lunch breaks, our tools are designed with you in mind. Join us today to experience the convenience of modern banking!

Financial Strength

Commitment to Growth

With $6,959,775 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our ability to support your financial aspirations is reflected in our lending capacity; we have $1,125 in used auto loans and $32,566,005 in total loans and leases available for our members.

Growing Member Base

Total Share and Deposit Accounts stand at 12,291, showing a strong and growing member base that trusts us with their finances. This trust is the cornerstone of our operations at Alco, where every decision aims to enhance your experience. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Alco is your trusted partner. Visit us at 24 E Main St Cuba Ny 14727 or call (585) 968-2760 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our $212,685 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 22 full-time employees and 3 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Secure Savings Options

Members' savings are secured through $4,878,150 in share certificates and $3,778,660 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.

Strong Financial Health

With a net worth of $7,156,875, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 12.93% 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 $15,031,649 in used vehicle loans and $4,219,791 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive interest rates to make financing easier for you. Plus, if you're interested in refinancing an existing auto loan, we can help you explore eligibility options that may save you money.

Credit Lines

If you're looking for additional flexibility in your finances, consider our total credit lines totaling $2,260,000. These lines allow you to access funds when needed while providing peace of mind for unexpected expenses. At Alco Credit Union, we're committed to supporting our members with tailored financial solutions that meet their needs. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results. For more information about our loan offerings or to start your application process today, visit us online or call us directly!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. Currently, we have no Junior Lien 1-4 Family Residential Properties loans available; however, our team is ready to guide you through your financing journey when you're ready.

Unsecured Credit Card Loans

Managing everyday expenses can be challenging. That's why we also offer flexible terms on unsecured credit card loans. With a total of $1,807,241 in loans helping members manage their finances effectively, our credit cards come with rewards and easy repayment options that fit your lifestyle.

Loan Aggregator

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Ensuring Accurate Comparisons

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. Each loan comparison reflects the most accurate and up-to-date information available, allowing consumers to make informed decisions without confusion.

ALCO FEDERAL CREDIT UNION - Cuba, NY

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