Americu Cazenovia NY Credit Union | Affordable Auto Loans & Mobile Banking

Introduction

Welcome to Americu in beautiful Cazenovia, NY! Located at 82 Albany St, our branch has proudly served the community since 1978, fostering trust and building lasting relationships with our members. With a total membership of 167,171, we are dedicated to providing personalized financial solutions tailored to meet your needs. At Americu, we understand that your financial well-being is important. Our assets total an impressive $2,693,858,739, and we maintain robust offerings, including over 99,000 loans available to our members. Whether you're looking for an auto loan, a mortgage, or simple banking services, we have you covered. We pride ourselves on being more than just a credit union; we're part of this vibrant community. Our CEO, Ronald Belle, alongside Board President Nicholas Fabrizio, leads a dedicated team of 434 employees who are committed to serving you with excellence. While you can visit us at our Cazenovia location for all your banking needs, official correspondence should be directed to the same address: 82 Albany St, Cazenovia, NY 13035. For inquiries or assistance, feel free to call us at 315-655-2163. Explore our services today by visiting our website at americu.org and discover how we can help you achieve your financial goals! Your journey toward financial success starts here at Americu.

Branch History & Mission

Community Involvement

Americu believes in giving back to the communities we serve. Our partnerships with local organizations reflect our commitment to supporting initiatives that make a positive impact in Cazenovia and beyond. We actively participate in outreach efforts that focus on education, financial literacy, and community development. While members can visit us at 82 Albany St for all their banking needs, official correspondence should be sent to the same address. For any questions or assistance, feel free to reach out by phone at 315-655-2163 during our operating hours: Monday through Friday from 9:00 AM to 5:00 PM. Join us at Americu and discover how we can help you achieve your financial goals while being part of a caring community. Experience the difference that comes with being a member of a credit union dedicated not only to your financial success but also to making a meaningful impact in your life and community.

Our Mission

Our mission at Americu is simple yet profound: we aim to empower our members by providing accessible and affordable financial solutions while fostering a sense of community. We believe in putting people first offering services that include personal banking, auto loans, mortgage loans, credit cards with rewards, and business banking solutions. Whether you're looking to open a checking account or secure a loan for your dream home, we're here to guide you every step of the way. In addition to traditional banking services, we are committed to enhancing our digital presence with online and mobile banking options. Our branches are ADA compliant and equipped with ATMs for your convenience. Drive-thru banking is also available at our Cazenovia location for those on the go.

Branch Location & Accessibility

Call to Action

We invite you to visit us at Americu in Cazenovia today! Experience our friendly service and see how we can help with all your financial needs. If you have any questions or would like more information about our services, don't hesitate to call us or stop by during our operating hours. We look forward to serving you!

Nearby Landmarks and Accessibility

Situated near local favorites like Cazenovia Lake and the vibrant downtown area, our branch is easy to find. Whether you're coming from the nearby parks or simply exploring the town, stopping by Americu is a breeze. We offer ample parking right outside our entrance, with accessibility features such as ramps to ensure everyone can visit us comfortably. While members can visit us at 82 Albany St, official correspondence should be sent to the same address as we maintain a single mailing address for your convenience.

Operating Hours and Services

At Americu, we understand that life can get busy. That's why our lobby hours are designed to fit your schedule: we're open Monday through Friday from 9:00 AM to 5:00 PM. Need assistance? You can reach us at 315-655-2163 during business hours. We take pride in offering a range of services tailored just for you. Whether you're looking for personal banking options like checking and savings accounts, vehicle financing, mortgage loans, or even business banking solutions, we've got you covered! Plus, enjoy the convenience of our ATM availability and drive-thru banking for quick transactions on the go.

Member Eligibility

At Americu, we believe that everyone deserves the opportunity to be part of a community that supports their financial journey. Becoming a member is simple and open to individuals who live, work, worship, or attend school in our local area. If you're looking for a place that values you as a person, not just an account number, then you're in the right spot! To learn more about the specific eligibility requirements, feel free to check out our detailed information at https://www.americu.org/annual-membership-meeting/ . Joining us means gaining access to a variety of services designed with your needs in mind. Whether you're interested in checking and savings accounts, loans, or even online banking options, we are here to help you every step of the way. The account opening process is straightforward just visit us at our branch located at 82 Albany St Cazenovia Ny 13035, or give us a call at (315) 655-2163 for assistance. We can't wait to welcome you into the Americu family!

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 $484 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $19 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $229,853,269, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, our merchant services provide practical tools to help you manage transactions smoothly. Imagine having a seamless payment process that allows your customers to pay easily while you track sales effortlessly. Whether you're a startup or an established company, these services can simplify your operations and enhance customer satisfaction. Visit us at 82 Albany St Cazenovia Ny 13035 or call us at (315) 655-2163 to learn how our business banking solutions can support your journey towards success!

Comprehensive List Of Services

Business Banking Solutions

For our business members, we provide essential services that support growth and success. From merchant services that make payment processing easier to business loans that help finance your next big project, we're here to ensure your business thrives.

Digital Convenience at Your Fingertips

In today's fast-paced world, access to banking services anytime is crucial. That's why we offer robust online and mobile banking options. With these tools, you can check balances, transfer funds, pay bills, and even engage in person-to-person payments right from your smartphone or computer. Need cash? Our ATM services ensure easy access to your funds whenever you need them. Plus, if you're on the go, our basic drive-thru banking allows for quick deposits and withdrawals without leaving your car. We also partner with other credit unions so you can handle basic transactions like deposits and withdrawals through shared branching.

Get Started Today!

Whether you're opening your first account or looking for ways to enhance your financial journey, Americu is here for you every step of the way. Visit us at 82 Albany St Cazenovia Ny 13035 in Cazenovia, NY or call us at (315) 655-2163 for more information about how our services can benefit you. We invite you to explore everything we have to offer your financial future starts here! For more details about our services or to get started online, visit us at Cazenovia.

Personal Banking Made Easy

When it comes to personal banking, we offer a variety of options tailored just for you. Our checking and savings accounts provide flexibility and convenience, making it easy to manage your money while earning interest on your savings. If you're looking to buy a new car or refinance an existing vehicle, our auto loans and vehicle financing solutions can help you get behind the wheel with competitive rates and terms. Thinking about homeownership? Explore our mortgage loans and refinancing options, designed to simplify the process of buying or refinancing your home. For those unexpected expenses or projects, our personal loans and debt consolidation services allow you to consolidate your debts into one manageable payment.

Rewarding Credit Card Options

At Americu, we also believe in rewarding your loyalty. That's why we offer credit cards with rewards, giving you points for every dollar spent that can be redeemed for travel, merchandise, or even cash back.

Digital & Online Banking

Convenient Online Banking Services

Our online banking platform, accessible at https://www.americu.org/ , allows you to take control of your finances anytime, anywhere. You can check your account balance, transfer funds, and pay bills all from the comfort of your home or while waiting in line. Plus, with our 24/7 online banking services, you never have to worry about business hours; we're here for you around the clock.

Real-Time Account Management

With everything designed for ease-of-use, managing your accounts has never been simpler. Real-time updates mean you can stay informed about your finances without any hassle. At Americu, we believe that banking should fit into your lifestyle not the other way around. Join us today and experience how our digital and online banking services make life easier for our members!

User-Friendly Features

Security is a top priority at Americu. With electronic signature authorization available, signing documents is quick and safe. You'll also love our e-statements feature, which lets you view your financial statements online without the clutter of paper. Need to send money to friends or family? Our person-to-person transfer option makes it simple and fast. If you're always on the move, our mobile application will be your best friend. Available for download, it offers all the features of online banking right at your fingertips. While mobile payments are currently not available, our app provides a smooth experience for managing accounts and making transfers.

Financial Strength

Commitment to Growth

With $262,375,424 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our commitment is further reflected in our lending capacity with $13,012 in used auto loans and $2,308,266,045 in total loans and leases that support members' financial goals across various sectors.

Growing Member Base

Total Share and Deposit Accounts stand at 334,070, showing a strong and growing member base that trusts us with their finances. Additionally, Net Shares available for lending and investments amount to $7,405,801, reinforcing our capability to meet your needs. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Americu is your trusted partner. Visit us at 82 Albany St Cazenovia Ny 13035 or call (315) 655-2163 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

Members' savings are secured through $846,671,206 in share certificates and $240,839,761 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $126,856,348, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our $0 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 414 full-time employees and 20 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Solid Financial Foundation

With a net worth of $262,375,424, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $974 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 $194,426,491 in used vehicle loans and $94,836,143 in new vehicle loans already helping members get on the road. Whether you're considering financing a new or used vehicle, we have options tailored to fit your budget and needs.

Business Loans

For business owners looking to expand or improve their operations, our outstanding commercial loans totaling $229,853,269 provide the capital needed to grow. We understand that businesses require tailored solutions; that's why our team is here to discuss eligibility and refinancing options that may suit your needs. In addition to these loan offerings, Americu provides various services such as personal banking accounts and online banking options for added convenience. For more information about our loan products or to discuss your specific needs with one of our representatives, please call us at 315-655-2163 or visit us at our branch. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Explore how Americu can support your financial journey today!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $189,127,842. This is an excellent opportunity for first-time buyers or those looking to upgrade their living situation. Plus, if you're interested in refinancing your current mortgage for better terms, we can help guide you through that process as well.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $100,443,509 in loans helping members manage their finances effectively. These cards provide an easy way to handle daily expenses while building your credit history.

Loan Aggregator

Benefits of Using LendMesh

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How LendMesh Ensures Accurate Loan 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 commitment ensures that all offers are fair and transparent. Each listing on the platform reflects current rates and terms, giving users a reliable view of available options.

AMERICU CREDIT UNION - Cazenovia, NY

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans