Ambridge Area Credit Union Baden PA | Best Auto Loans & Business Banking

Introduction

Welcome to Ambridge Area FCU, your trusted financial partner in the heart of Baden, PA. Established in 1935, our credit union has been dedicated to serving our community with reliable banking solutions tailored to meet your needs. With a strong membership base of 973 and total assets exceeding $13,266,324, we pride ourselves on being a cornerstone of support for families and businesses alike. At our branch located at 401 State St, Baden, PA 15005, you'll find a friendly team ready to assist you with everything from personal banking services like checking and savings accounts to auto loans and mortgages. Our commitment goes beyond just numbers; we believe in building lasting relationships with our members, ensuring you feel valued and understood. While members can visit us at 401 State St, official correspondence should be sent to the same address for convenience. Our leadership team, including CEO Gary Ford and Board President Angelo Pournaras, works tirelessly to uphold our mission of providing exceptional service and fostering financial well-being for all our members. With total deposits amounting to $2,074,262 and a net worth of $960,456, Ambridge Area FCU stands solidly in the community, always ready to help you navigate your financial journey. Whether you're looking for competitive loan options or innovative online banking solutions, we're here for you every step of the way. We invite you to discover how we can enhance your financial future. For any inquiries or assistance, don't hesitate to call us at 724-869-3342. Visit our website at ambridgeareafcu.com for more information about our services. Join us today as we continue to make a positive impact in Baden and beyond!

Branch History & Mission

Ambridge Area has a rich legacy that began in 1935, when it first opened its doors to the community. Nestled at 401 State St, Baden, PA, this credit union was founded with a commitment to providing accessible financial services tailored to meet the needs of its members. Over the decades, Ambridge Area has evolved significantly, growing to serve a total membership of 973 individuals while accumulating total assets of $13,266,324. The mission of Ambridge Area is clear: to empower our members by offering personalized financial solutions that foster community growth and support. We understand that every member's journey is unique, which is why we provide a variety of services including checking and savings accounts, auto loans, mortgage options, personal loans, credit cards with rewards, and business banking services. Our aim is not just to be a bank but to be a partner in our members' financial success. As we've grown from our humble beginnings nearly nine decades ago, we've embraced technology to enhance our services. Our online and mobile banking platforms allow members to manage their finances conveniently from anywhere. While we currently do not offer ATM or drive-thru banking services at this branch, we remain dedicated to ensuring that all our offerings are ADA compliant and accessible for everyone. Community involvement is at the heart of what we do. Ambridge Area actively participates in local outreach programs and partnerships designed to uplift those around us. We believe in giving back and making a positive impact on the lives of our members and neighbors. For any correspondence or inquiries, please note that while you can visit us at our branch address of 401 State St, official mail should be sent to 401 State Street, Baden, PA 15005. At Ambridge Area, we invite you to join us in building a better future together. Experience firsthand the benefits of being part of a community-focused credit union that truly cares about your financial well-being. Call us today at 724-869-3342 or visit our website for more information on how you can become a member!

Branch Location & Accessibility

Accessibility Features

At Ambridge Area FCU, we prioritize accessibility for all our members. Our location is equipped with features that comply with ADA standards, ensuring everyone can access our services comfortably. Parking is available nearby, so you can easily visit us without any hassle.

Operating Hours

We understand that your time is valuable. That's why we're open Monday through Tuesday and Thursday through Friday from 9 AM to 4:15 PM. On Wednesdays, we extend our hours until 5:15 PM to better serve you. During the summer months, our hours adjust slightly to accommodate your needs from 9 AM to 3:30 PM on weekdays.

Services Offered

As a member of Ambridge Area FCU, you have access to a wide range of financial services tailored just for you. From checking and savings accounts to auto loans and credit cards with rewards, we have something for everyone. Plus, enjoy the convenience of online and mobile banking options that allow you to manage your finances anytime, anywhere. While we currently do not offer ATM services or drive-thru banking at this location, our team is here to assist you with all your banking needs during regular business hours. Feel free to reach out at 724-869-3342 if you have any questions or need assistance. We invite you to visit us soon! Experience the personalized service and community focus that makes Ambridge Area FCU a great choice for your banking needs.

Member Eligibility

Joining the Ambridge Area community is more than just opening an account it's about becoming part of a supportive family that prioritizes your financial well-being. At Ambridge Area, we're excited to welcome individuals who live, work, worship, or attend school in our local area. If you share these connections with us, you're already on your way to membership! We invite you to enjoy the benefits of being part of our credit union, including competitive rates and personalized service tailored just for you. To learn more about eligibility and how easy it is to become a member, visit our detailed page at . You can also call us at (724) 869-3342 if you have any questions or need assistance. We're here to help you every step of the way as you take this important step toward achieving your financial goals!

Business Banking & Commercial Services

Financing Solutions That Drive 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. Additionally, we also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions.

Merchant Services for Everyday Needs

Navigating daily transactions shouldn't be a hassle. Our merchant services simplify payment processing so you can focus on what matters most running your business. From accepting credit cards to managing online payments, we provide tools that help you serve your customers better. With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses right here in Baden, PA. Visit us at 401 State St Baden Pa 15005 or call us at (724) 869-3342 to learn how we can partner with you on your path to success!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

While we don't have ATMs at our branch location, we ensure that cash withdrawal services are available through partnerships that extend beyond our walls. This means you'll always have access to your funds when you need them. If you're ready to explore how these services can enhance your financial journey, feel free to reach out! Contact us at (724) 869-3342, or visit us during our operating hours: Monday through Friday from 9 AM to 4:15 PM (with extended hours on Wednesday). We look forward to welcoming you into the Ambridge Area Fcu family!

Business Banking

For our local business owners, we offer comprehensive Business Banking solutions. From Merchant Services that simplify transactions to tailored Business Loans, we're committed to helping you grow your venture. Our team understands the unique challenges businesses face, and we're ready to partner with you on your journey.

Digital Banking Convenience

In today's fast-paced world, having access to your finances anytime is crucial. That's why we provide robust Online & Mobile Banking features. You can check balances, transfer funds, and pay bills from the comfort of your home or on the go all at your fingertips! Our members appreciate this convenience, especially when they need quick access without visiting a branch.

Personal Banking

Whether you're just starting out or planning for the future, our Personal Banking options are tailored for you. Open a checking or savings account to manage your everyday expenses and save for your goals. We understand that life can throw unexpected costs your way, which is why we offer flexible Auto Loans & Vehicle Financing to help you get on the road without stress. If you're looking to buy a home, our Mortgage Loans & Refinancing options make it simple to secure your dream property with competitive rates.

Support for Everyday Needs

Life can be unpredictable, and that's where our Personal Loans & Debt Consolidation services come into play. Whether it's funding a special project or consolidating debt, we're here to help you find the right solution. Plus, our Credit Cards with Rewards not only provide convenience but also give you the chance to earn rewards on your everyday purchases.

Digital & Online Banking

Key Features

One of the great features of our online services is the ability to manage your finances in real-time. You can set up e-statements to go paperless while keeping all your financial documents organized and accessible whenever you need them. Not only does this help the environment, but it also adds an extra layer of convenience. For members who enjoy sharing expenses or sending money to friends and family, our person-to-person transfer service makes it quick and easy. Just a few taps on your phone and you can send money directly from your account without any hassle.

Security and Accessibility

Security is always top of mind at Ambridge Area. We use advanced measures to protect your personal information so you can feel safe while banking online. Although we currently do not offer electronic signature authorization, we ensure that your transactions are secure every step of the way. Even if you're new to online banking, our user-friendly interface guides you through each feature with ease. You don't need to be a tech expert to manage your finances effectively! In summary, our digital and online banking services provide the flexibility and security you need in today's fast-paced world. Sign up today at https://www.ambridgeareafcu.com/ and discover how easy it is to bank with us from anywhere!

Financial Strength

Efficient Operations

Our operational efficiency is highlighted by a net income of $0, which enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 1 full-time employees and 2 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Growing Membership Base

With a total of 1,939 share accounts, we have a strong and growing member base that trusts us with their finances. Our resources remain focused on improving your banking experience every day. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Ambridge Area is your trusted partner. Visit us at 401 State St Baden Pa 15005 or call (724) 869-3342 to learn more about how we can help you achieve your financial goals.

Member Savings Secured

Members' savings are secured through $4,829,514 in share certificates, offering stable and rewarding financial growth opportunities. While we prioritize our members over traditional banking practices, we also have $0 in non-member deposits. This approach allows us to focus resources on benefiting you through better loan rates, lower fees, and exclusive perks.

Reinvestment in Member Services

With $919,463 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports your financial goals with $78 in used auto loans and $3,730,214 in total loans and leases.

Strong Financial Health

With a net worth of $960,456, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $722 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 $1,012,207 in used vehicle loans and $499,303 in new vehicle loans already helping members get on the road. Whether you're purchasing a reliable used car or a brand-new model, we have financing options that fit your budget. Plus, we provide refinancing options if you're looking to lower your current auto loan rate.

Credit Card Loans

Managing daily expenses can be easier with our flexible terms on unsecured credit card loans. We currently offer a total of $356,176 in unsecured credit card loans that help members manage their finances effectively. With competitive interest rates and no hidden fees, our credit cards are designed to provide convenience without sacrificing affordability.

Credit Lines

For those who prefer greater flexibility in their borrowing options, we offer credit lines totaling $300,000. This allows you to access funds as needed while only paying interest on what you use. It's an excellent option for managing unexpected expenses or funding projects that require quick cash flow. At Ambridge Area, our focus is on helping you make informed financial decisions. If you're interested in learning more about our loan offerings or exploring eligibility options, please don't hesitate to reach out. You can contact us at 724-869-3342 or visit us at 401 State St, Baden PA 15005. 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's work together to pave your path toward financial success!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. Although we currently do not have any Junior Lien 1-4 Family Residential Properties loans available, we encourage you to explore our other lending solutions. Homeownership is a significant milestone, and we're here to guide you through every step of the process.

Loan Aggregator

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AMBRIDGE AREA FEDERAL CREDIT UNION - Baden, PA