ALCO Credit Union Friendship NY | Affordable Vehicle Loans & ATMs

Introduction

Welcome to Alco, your trusted partner in financial well-being, located at 25 W Main St, Friendship, NY 14739. Since our establishment in 1953, we have proudly served our community, building a solid reputation for delivering exceptional member services and fostering financial growth. With a total membership of 6,719 and assets amounting to an impressive $55,335,416, Alco is dedicated to supporting our members' financial journeys. At Alco, we believe in the power of community. Our team of 25 dedicated employees works tirelessly to ensure that you receive personalized attention and reliable services tailored to your needs. Whether you're looking for auto loans, mortgage refinancing, or business banking solutions, we've got you covered! We currently manage over 3,620 loans and leases, with total deposits reaching $3,028,776. Our net worth stands strong at $7,156,875, reflecting our commitment to stability and trustworthiness. While members can visit us at our branch location, official correspondence should be sent to PO BOX 224, FRIENDSHIP, NY 14739-0033. Our CEO, Michael Miller, along with Board President Earl Stellrect, leads our credit union with a vision rooted in service and community engagement. We invite you to explore all that Alco has to offer by visiting our website at alcofcu.com or calling us directly at 585-973-2300. Join us as we continue to build a brighter financial future together!

Branch History & Mission

Join Us

As we look ahead, Alco remains committed to serving our community with integrity and compassion. We invite you to become part of our family. Experience firsthand the benefits of membership whether it's through personalized service or innovative financial solutions. Together, let's build a brighter future for Friendship! Visit us online at Alco Credit Union or start your journey by applying for membership here. Join us today!

Our Evolution

From our humble beginnings, Alco has expanded its offerings to meet the diverse needs of our membership base. Today, with over 6,700 members and total assets reaching ${total_assets}, we continue to thrive as a trusted financial partner. Our location at 25 W Main St is more than just an address; it's a welcoming space where community members come together for support and guidance. As we moved forward through the decades, we've embraced technology without losing sight of personal connections. We offer modern conveniences like online banking and mobile applications while ensuring that traditional services remain accessible. Our commitment to inclusivity includes ADA compliance and enhanced customer service initiatives that make banking easier for everyone.

Our Mission

At the heart of Alco's mission is a dedication to empowering individuals and families through sound financial practices. We aim to provide personal banking solutions ranging from checking and savings accounts to auto loans and mortgages that help our members achieve their goals. But our mission goes beyond mere transactions; it encompasses fostering a supportive community environment. We believe in giving back, which is why we actively participate in local outreach programs and partnerships that uplift Friendship and surrounding areas. Whether it's hosting financial literacy workshops or supporting local events, we strive to make a positive impact. While members can visit us at 25 W Main St Friendship Ny 14739, official correspondence should be sent to PO BOX 224, FRIENDSHIP, NY 14739-0033. You can reach us by phone at (585) 973-2300 during our operating hours: Monday-Wednesday from 9:00 AM - 4:00 PM, Thursday from 9:00 AM - 5:30 PM, and Friday from 9:00 AM - 5:00 PM.

Branch Location & Accessibility

Additional Features

For those who prefer the convenience of banking on-the-go, we offer ATM availability right at our branch. You can withdraw cash or check your balance whenever you need! If you're in a hurry, take advantage of our drive-thru service for quick deposits and withdrawals without leaving your car. While members can visit us at 25 W Main St for all their banking needs, official correspondence should be sent to PO BOX 224, FRIENDSHIP, NY 14739-0033 if different from the branch address. We invite you to come experience everything Alco has to offer. Whether it's personal banking solutions like checking and savings accounts or loans tailored just for you, we're here to help every step of the way. So why wait? Visit us today or give us a call we look forward to serving you!

Convenient Access and Services

At Alco, we understand that convenience matters. Whether you're stopping in for a quick transaction or looking to discuss your financial goals, our branch is designed with you in mind. Our parking area offers ample space for members, ensuring you can park without hassle. Plus, we're committed to accessibility; our facilities are ADA compliant, featuring ramps for easy entry. Our lobby hours are welcoming too! You can visit us Monday through Wednesday from 9:00 AM to 4:00 PM, Thursday until 5:30 PM, and Friday until 5:00 PM. Need assistance? Give us a call at 585-973-2300 during these hours.

Member Eligibility

At Alco, we believe that joining our community should feel like coming home. Membership is open to anyone who lives, works, or worships in the Friendship area, as well as family members of existing members. This means you can easily connect with us and enjoy the many benefits that come with being part of our credit union family, such as personalized service and competitive rates on loans and savings accounts. To find out more about specific eligibility details, you can visit this link for a complete overview. Ready to take the next step? Opening an account at Alco is simple! Just head over to our account opening page, or give us a call at (585) 973-2300 if you have any questions. We're here to help you every step of the way! Come see us at our branch located at 25 W Main St Friendship Ny 14739; we can't wait to welcome you into our member community!

Business Banking & Commercial Services

Merchant Services That Make a Difference

Imagine running your business without worrying about payment processing. Our merchant services offer practical solutions that simplify transactions for you and your customers. Whether it's accepting credit cards or managing online payments, our services help streamline your operations so you can focus on what you do best growing your business. For more information on how we can assist your business, visit us at 25 W Main St Friendship Ny 14739 or call us at (585) 973-2300. Let's work together to build a brighter future for your enterprise!

Tailored Lending Solutions

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 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

Business Banking

For our local business owners, we have comprehensive business banking solutions including merchant services and business loans. We understand the challenges of running a business and are committed to supporting your financial needs.

Credit Cards & Rewards

We also offer credit cards with rewards, making it easier for you to earn benefits while spending on everyday purchases. Imagine earning points for every dollar spent, which can be redeemed for travel, cash back, or gift cards!

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we provide robust online and mobile banking features that allow you to manage your finances anytime, anywhere. You can easily check balances, transfer funds, and pay bills from your smartphone or computer. Our branch also features ATM services for quick cash withdrawals and balance checks. If you prefer face-to-face transactions, our drive-thru banking allows you to handle deposits and simple transactions without leaving your vehicle.

Member Support

At Alco, we take pride in being part of the community. Our experienced staff is always ready to assist with any questions or concerns you may have about our offerings. You can reach us at (585) 973-2300 during our operating hours: Monday-Wednesday from 9:00 AM to 4:00 PM, Thursday from 9:00 AM to 5:30 PM, and Friday from 9:00 AM to 5:00 PM. Whether you're looking to open an account or need advice on managing your finances better, we're here for you every step of the way. Visit us at 25 W Main St Friendship Ny 14739, explore our services online at https://www.alcofcu.com/ , or give us a call today! Your financial success is our priority at Alco!

Personal Banking

Managing your money should be easy and accessible. Our personal banking services include checking and savings accounts that help you manage daily expenses and save for future goals. For those considering a new vehicle, our auto loans and vehicle financing options offer competitive rates that make getting behind the wheel a breeze. If you're dreaming of homeownership or looking to refinance, our mortgage loans and refinancing solutions can help turn that dream into reality. Moreover, for those unexpected expenses or debt management needs, our personal loans and debt consolidation services provide flexible options designed with you in mind.

Digital & Online Banking

Accessible Online Banking

With our 24/7 online banking services available at https://www.alcofcu.com/ , you can manage your accounts anytime, anywhere. Whether you want to check your balance, transfer funds, or pay bills, everything is just a few clicks away. Plus, our user-friendly platform ensures that even those new to online banking will find it easy to navigate.

Manage Your Statements Digitally

Gone are the days of paper statements cluttering your mailbox! At Alco, we offer e-statements so you can view and download your account statements whenever you need them. This not only helps you stay organized but is also better for the environment.

Mobile Banking Convenience

For those who prefer banking on their smartphones, our mobile application brings all these features right to your fingertips. With this app, you can deposit checks, transfer money person-to-person easily, and access all your accounts with just a few taps.

Real-Time Transfers

Need to send money to a friend or family member? Our person-to-person transfer feature makes it simple and fast. Just enter the recipient's information, and voila! Your transaction is done in real-time. At Alco, we're committed to making banking easier for you. Explore our digital and online banking services today at https://www.alcofcu.com/ and experience the benefits for yourself!

Secure Transactions

Security is our top priority. We provide electronic signature authorization for transactions, ensuring that your personal information remains protected while you enjoy the convenience of managing your account online. You can also rest easy knowing that our systems are designed with robust security features to keep your data safe.

Financial Strength

A Trusted Partner

Total Share and Deposit Accounts: 12,291, 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, Alco is your trusted partner. Visit us at 25 W Main St Friendship Ny 14739 or call (585) 973-2300 to learn more about how we can help you achieve your financial goals.

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 lending capacity is robust; with $1,125 in used auto loans and $32,566,005 in total loans and leases, we support our members' financial goals across various sectors.

Operational Efficiency

Our $197,100 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 Position

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 $1,293 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

At Alco, we understand that financial needs vary from person to person. Whether you're planning to buy a new vehicle, refinance your home, or manage everyday expenses, we offer a range of loan products designed to meet your unique goals. With over 3,620 loans issued, we've helped thousands of members achieve their financial goals. Our auto loans are particularly popular among our members. 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. If you're considering homeownership, our mortgage options make it simple to purchase or refinance your property. While we currently have no Junior Lien Family Residential Property loans available, we encourage you to keep an eye on our offerings as they may change. For those looking for flexibility in managing finances, we offer unsecured credit card loans totaling $1,807,241. This can be a great option if you need additional purchasing power without collateral. Additionally, our total credit lines amount to $2,260,000, providing further opportunities for personal financing. If you're interested in business financing, please note that we currently do not have any outstanding commercial loans available. We also recognize that refinancing options are crucial for many borrowers. Please reach out to us at (585) 973-2300 for more information on eligibility and how we can assist you with refinancing your existing loans. All 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 committed to transparency and ensuring that our members have access to the best financial products possible. If you have any questions or would like to learn more about our loan offerings, don't hesitate to visit us at our branch located at 25 W Main St Friendship Ny 14739, Friendship, NY, or call us directly at (585) 973-2300. We look forward to helping you navigate your financial journey!

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ALCO FEDERAL CREDIT UNION - Friendship, NY