Allegany First Credit Union Fillmore NY | Affordable Auto Loans & Drive-Thru Banking

Introduction

Welcome to Allegany First, your trusted community partner located at 27 W Main St, Fillmore, NY 14735. Since our founding in 1977, we've dedicated ourselves to serving our members with care and commitment. With a current membership of 2,187 and total assets reaching an impressive $24,431,186, we pride ourselves on providing reliable financial services tailored to meet your needs. At Allegany First, we believe in making banking accessible and friendly. Whether you're looking for personal banking options like checking and savings accounts or need assistance with auto loans, mortgages, or business financing, our knowledgeable team is here to help. Our drive-thru service ensures that even your busiest days can be met with ease. While you can visit us at our branch location for all your banking needs, official correspondence should be sent to our mailing address: PO Box 300, Fillmore, NY 14735. We encourage you to explore the many services we offer online at Allegany First FCU, where you can also find valuable resources and apply for loans conveniently. Under the leadership of our CEO Jody Vosburg and Board President Randa Harrington, we strive to foster a welcoming environment where every member feels valued. With a net worth of $2,832,055 and cash reserves of $329,072, Allegany First is stable and ready to support your financial journey. Feel free to reach out at (585) 567-4103 for any inquiries or to learn more about how we can assist you. We look forward to helping you achieve your financial goals!

Branch History & Mission

Commitment to Community

Allegany First is more than just a credit union; we are an active participant in the Fillmore community. We believe in giving back through partnerships and outreach initiatives that support local events and organizations. This commitment strengthens our connection with members and helps build a vibrant community where everyone can thrive. As we continue into the future, we remain dedicated to enhancing our digital services making online banking easier while ensuring compliance with ADA standards so that all members can enjoy seamless access to their accounts.

Join Us

If you're looking for a credit union that truly cares about its members and the community, look no further than Allegany First. Experience firsthand how we can support your financial journey with tailored solutions designed just for you. Visit us today or give us a call at 585-567-4103 we're excited to welcome you into our family!

Our Journey

From our humble beginnings, Allegany First has grown steadily. Over the years, we have expanded our services to meet the changing needs of our community. Today, with total assets of $24,431,186, we are equipped to offer a wide range of financial products including personal banking, auto loans, mortgage loans, and business banking services. Our journey reflects not just growth in numbers but also in our dedication to providing exceptional service and making a real difference in people's lives.

Our Mission

Our mission at Allegany First is simple yet powerful: to empower our members through personalized financial solutions while fostering a sense of belonging in the community. We believe that everyone deserves access to quality financial services that can help them achieve their dreams and improve their lives. Whether it's opening a savings account or obtaining financing for a vehicle, we are here to guide you every step of the way. We understand the importance of accessibility and strive to make banking convenient for everyone. While members can visit us at our main branch location, official correspondence should be sent to PO Box 300, Fillmore, NY 14735 if needed. Our operating hours are designed with your schedule in mind: Monday through Thursday from 9:00 AM to 4:00 PM and Friday from 9:00 AM to 6:00 PM. For added convenience, we offer drive-thru banking services for quick transactions.

Branch Location & Accessibility

Nearby Landmarks and Features

Conveniently situated near local shops and community spots, Allegany First offers a friendly atmosphere where you can feel comfortable conducting your banking. You'll find plenty of parking available, along with accessible features such as ramps for those who need them. We strive to ensure everyone can easily visit us.

Operating Hours

We're open Monday through Thursday from 9:00 AM to 4:00 PM and on Fridays from 9:00 AM to 6:00 PM. These hours are designed to fit into your busy schedule so you can take care of your financial needs without hassle.

Services Offered

At Allegany First, we offer a range of services tailored to meet your individual and business banking needs. From personal checking and savings accounts to auto loans and mortgage refinancing, we have solutions that work for you. Plus, enjoy the convenience of our drive-thru service for quick deposits and withdrawals. If you're looking for assistance or have questions about our offerings, don't hesitate to give us a call at 585-567-4103. Our team is always ready to assist you. We invite you to come by Allegany First today your financial journey starts here!

Member Eligibility

Becoming a member of Allegany First is like joining a caring family that's here to support your financial journey. To qualify for membership, you simply need to reside, work, or worship in the Allegany County area, which opens the door for many individuals to enjoy our personalized services. We believe in making banking accessible and friendly, so whether you're looking to save for a dream vacation or secure a loan for your first car, you'll find the support you need right here. For more detailed information about eligibility requirements, you can check out our website at . When you're ready to take that step towards membership, opening an account with us is straightforward and welcoming. Just visit our account opening page at https://www.alleganyfirstfcu.com/loan-application/ to get started! If you have any questions or need assistance along the way, feel free to give us a call at (585) 567-4103. We're excited to help you become part of our community at Allegany First, located at 27 W Main St Fillmore Ny 14735, where your financial well-being comes first!

Business Banking & Commercial Services

Commercial 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 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 today's fast-paced market, having the right tools can make all the difference. Our merchant services simplify payment processing, allowing you to focus on what you do best running your business. Imagine being able to accept payments easily from customers on-the-go or online without hassle. This convenience not only enhances customer satisfaction but also boosts your sales potential. Located at 27 W Main St Fillmore Ny 14735 in Fillmore, NY, we invite local entrepreneurs to visit us and explore how our comprehensive suite of business banking solutions can empower your success. For more information, call us at (585) 567-4103 or visit our website at Allegany First Fcu.

Comprehensive List Of Services

Business Banking

For our small business members, we have tailored solutions including merchant services and business loans to help your business thrive. Managing finances shouldn't be complicated; that's why we provide tools designed to simplify transactions and support your growth.

Convenience Services

At Allegany First, convenience is key. Our online and mobile banking services make it easy for you to manage your accounts from the comfort of home. You can make deposits, pay bills, or even send money to friends with just a few taps on your smartphone. Plus, our drive-thru banking offers basic services like deposits and withdrawals without leaving your vehicle perfect for those busy days. If you need assistance or have questions about any of our services, don't hesitate to reach out! You can contact us at (585) 567-4103 or visit us at 27 W Main St Fillmore Ny 14735 in Fillmore. We invite you to explore how Allegany First can support your financial journey. Visit us online at Allegany First Fcu today!

Credit Cards

We offer credit cards with rewards that allow you to earn while you spend. Whether it's cash back on groceries or points towards travel, our credit card options provide value that makes every purchase rewarding.

Loans and Financing

For those looking to purchase a vehicle or refinance an existing loan, our auto loans and vehicle financing options are here for you. We understand that buying a car is an important decision, so we provide competitive rates and flexible terms to fit your budget. Additionally, if you're dreaming of homeownership or considering refinancing your current mortgage, our mortgage loans can guide you through the process smoothly. Personal loans are also available for various needs like debt consolidation or unexpected expenses. With straightforward terms and no hidden fees, you can focus on what matters most getting back on track financially.

Personal Banking

When it comes to personal banking, we offer checking and savings accounts designed for everyday needs. Whether you're saving for a vacation or managing monthly expenses, our accounts come with features that help you keep track of your finances effortlessly. Imagine having easy access to your funds through online and mobile banking, allowing you to check balances or transfer money anytime, anywhere.

Digital & Online Banking

Key Features

Our online banking service ensures that your financial information is safe while giving you complete control over your accounts. Whether you're on the go or at home, you can easily access your e-statements, which are available for those who prefer a paperless experience. This not only helps the environment but also allows for quick and easy record-keeping. For those who love using their smartphones, our mobile application makes banking even simpler. You can set up mobile payments to pay for everyday purchases directly from your phone. Need to send money to a friend? Our person-to-person transfer feature lets you do just that with ease.

Security & Accessibility

We prioritize the security of your personal information with features that ensure your data is protected while you bank online. Though we do not currently offer electronic signature authorization, our system is built to keep your transactions safe. The user-friendly interface of our digital banking services means that whether you're tech-savvy or just starting out, you'll find it easy to navigate through your options. Real-time account management keeps you informed about your finances at all times. In summary, digital and online banking at Allegany First empowers you with the tools needed to manage your money effectively while offering peace of mind through secure services. Visit us today at https://www.alleganyfirstfcu.com/ and discover how easy banking can be!

Financial Strength

Commitment to Growth

With $2,545,829 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Our commitment to support your financial goals is evident with $6,942,168 in total loans and leases available for our members. This includes 210 used auto loans, which help you achieve your vehicle financing needs.

Growing Member Base

With 3,950 total share accounts, we have a strong and growing member base that trusts us with their finances. This community strength allows us to foster relationships built on trust and reliability. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Allegany First is your trusted partner. Visit us at 27 W Main St Fillmore NY 14735 or call 585-567-4103 to learn more about how we can help you achieve your financial goals.

Member-Centric Approach

Members' savings are secured through $182,657 in share certificates, 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.

Operational Efficiency

Our operational efficiency is reflected in our net income of $147,230 for this period. This solid performance enables us to continue offering competitive loan rates and quality financial products for our members. We also take pride in having 4 full-time employees, ensuring that our branches are always ready to serve you with a knowledgeable and committed team.

Strong Financial Health

With a net worth of $2,832,055, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 11.59% 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 $2,602,646 in used vehicle loans and $1,218,140 in new vehicle loans already helping members get on the road. We provide financing options for both new and used vehicles, making it easier for you to drive away in the car you want.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $200,153, make buying or refinancing simple. We offer competitive rates and flexible terms to fit your budget. Whether you're a first-time homebuyer or looking to refinance an existing mortgage, our team is here to guide you through the process.

Personal Loans & Credit Lines

We also provide personal loan solutions that can assist with various financial needs. If you're looking for extra funds without collateral, our credit lines total $1,090,000, offering flexibility when you need it most. This can be a great option for managing unexpected expenses or consolidating debt.

Refinancing Options

If you're considering refinancing any of your current loans to take advantage of better rates or terms, we encourage you to explore our refinancing options. Our team will work with you to determine eligibility and find solutions tailored to your unique needs. At Allegany First located at 27 W Main St Fillmore Ny 14735, we're dedicated to supporting our members' financial journeys with transparent and accessible lending solutions. For more information or to discuss your borrowing options further, feel free to call us at 585-567-4103 during our operating hours: Monday through Thursday from 9:00 AM to 4:00 PM and Friday from 9:00 AM to 6:00 PM. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Let us help you take the next step toward achieving your financial goals today!

Unsecured Credit Card Loans

For those interested in managing their finances effectively, we offer flexible terms on unsecured credit card loans; however, currently we have no outstanding amounts in this category. Our focus is on providing products that suit your lifestyle and financial situation.

Loan Aggregator

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ALLEGANY FIRST FEDERAL CREDIT UNION - Fillmore, NY