Americu Cortland NY Credit Union | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Americu, your trusted partner in financial wellness located at 3944 NY-281, Cortland, NY 13045. Since our establishment in 1978, we have proudly served our community with a commitment to providing exceptional service and support to our members. With over 167,000 members and total assets exceeding $2.69 billion, Americu stands strong as a pillar of stability and trust in the Cortland area. At Americu, we believe that banking should be personal and accessible. That's why we offer a range of services tailored to meet your needs from checking and savings accounts to auto loans, mortgages, and credit cards with rewards. We're here to help you achieve your financial goals, whether you're buying your first home or looking for ways to manage debt. Led by our dedicated CEO, Ronald Belle, and Board President Nicholas Fabrizio, our team of 434 employees is committed to enhancing the member experience. We pride ourselves on being more than just a financial institution; we are a community resource focused on building lasting relationships with each member. While you can visit us at our branch for all your banking needs, official correspondence should be sent to the same address: 3944 NY-281, Cortland, NY 13045. Feel free to reach out at 607-758-6108 if you have any questions or need assistance. Join us today at Americu! Experience the difference that comes from being part of a credit union that truly cares about its members and their financial success. Visit our website at Americu.org for more information or stop by our branch during lobby hours from Monday through Friday from 9:00 AM to 5:00 PM, and Saturday from 9:00 AM to 12:00 PM. We look forward to serving you!

Branch History & Mission

Welcome to Americu in Cortland, NY! Since our opening in 1978, we have proudly served our community and evolved into a trusted financial partner for over 167,000 members. Located at 3944 NY-281, Cortland, NY 13045, our branch is easily accessible and is dedicated to meeting the financial needs of both individuals and businesses. From our humble beginnings, Americu has grown significantly, now boasting total assets of nearly $2.7 billion. Our commitment to providing personalized financial services has driven us to expand our offerings while staying true to our mission: to empower our members with the tools and support they need to achieve their financial goals. We believe that everyone deserves access to quality financial services that promote economic well-being. Our branch hours are designed with your convenience in mind. We're open Monday through Friday from 9:00 AM to 5:00 PM and Saturday from 9:00 AM until noon, making it easy for you to visit us when it suits you best. If you're unable to visit in person, we offer a variety of online services including online banking and mobile applications, ensuring you can manage your finances anytime, anywhere. At Americu, we understand that community matters. That's why we actively participate in local events and initiatives aimed at fostering growth and development within Cortland. Our partnerships with local organizations help us give back and support those who need it most. While members can visit us at 3944 NY-281 for all their banking needs, official correspondence should be sent to the same address for clarity. We also provide ATM access for convenient cash withdrawals and basic transactions. As we look toward the future, we're excited about the journey ahead. Join us at Americu and become part of a community-focused credit union where your financial success is our priority. Experience firsthand the benefits of membership whether it's through personal banking services like checking accounts and auto loans or business banking solutions tailored for entrepreneurs. If you have questions or would like more information about what we offer, don't hesitate to reach out at 607-758-6108. Together, let's build a brighter financial future!

Branch Location & Accessibility

Call Us Today!

If you have any questions or need assistance, feel free to give us a call at 607-758-6108. While members can visit us at 3944 NY-281 for in-person services, please note that any official correspondence should be sent to the same address. Come visit Americu today we look forward to welcoming you into our community!

Nearby Landmarks and Accessibility

Situated near the heart of Cortland County, our branch is just a short drive from popular local spots like the Cortland Country Club and the beautiful Dwyer Memorial Park. Our facility offers ample parking for members, making your visit hassle-free. We prioritize accessibility, ensuring that all members can comfortably access our services with features compliant with ADA guidelines.

Operating Hours and Services Offered

At Americu, we want to make banking convenient for you! Our lobby hours are Monday through Friday from 9:00 AM to 5:00 PM, and we're open on Saturdays from 9:00 AM until noon. Whether you need assistance during the week or have some time on Saturday morning, our friendly staff is always ready to assist. We offer a variety of services tailored to meet your financial needs. From checking and savings accounts to auto loans and mortgages, you can trust us for reliable banking solutions. Plus, our shared service center allows partner credit union members to perform basic transactions right here at our location!

Member Eligibility

Welcome to the friendly community at Americu! Becoming a member is more than just opening an account; it's about joining a supportive family that cares about your financial well-being. To become part of our community, you need to meet some simple eligibility requirements. If you live, work, worship, or attend school in the areas we serve, you're likely already eligible! Plus, we're always here to help guide you through the process and answer any questions. For detailed information on eligibility criteria, feel free to visit our website at https://www.americu.org/annual-membership-meeting/. Opening an account with us is easy! Just reach out by calling us at (607) 758-6108 or visit our branch located at 3944 Ny281 Cortland Ny 13045. You can also find the necessary steps for account opening on our website at https://loans.americu.org/products/portal. We look forward to welcoming you into the Americu family and helping you achieve your financial goals!

Business Banking & Commercial Services

Financing for Growth

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 That Work

In addition to loans, we offer merchant services that simplify transactions for your business. Imagine a local café using our point-of-sale systems to manage sales effortlessly, allowing them more time to focus on creating delicious treats. Our services help streamline payments and enhance customer experiences, making it easier for businesses like yours to thrive. Located at 3944 Ny281 Cortland Ny 13045 in Cortland, NY, we're here to partner with you in achieving your business goals. Reach out today at (607) 758-6108 and discover how we can help you grow!

Comprehensive List Of Services

Business Banking Services

For small business owners, we offer tailored solutions through our Business Banking services. This includes Merchant Services & Business Loans that support your business growth and help streamline your operations.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we emphasize our robust Online & Mobile Banking platforms. You can access your accounts anytime, anywhere whether it's checking balances, transferring funds, or making payments all from your smartphone or computer. Plus, our ATM & Cash Withdrawal Services ensure that you have cash when you need it most. We also accommodate members from partner credit unions through our Basic Shared Branch Transactions, allowing deposits and withdrawals seamlessly across branches. If you ever need assistance or have questions about your account, feel free to reach us at (607) 758-6108 during our operating hours.

Final Thoughts

At Americu, we believe in empowering our members with the right tools and resources for their financial journey. From personal banking to business solutions, we've got something for everyone. Explore all that we offer and see how we can help you achieve your financial goals today! Visit us at our website or stop by our branch we're excited to serve you!

Personal Banking Solutions

For individuals looking to manage their day-to-day finances, we offer Personal Banking options including checking and savings accounts that cater to different lifestyles. Whether you're saving for a vacation or keeping track of monthly expenses, our accounts are designed with you in mind. When it comes to larger purchases, like a new car, our Auto Loans & Vehicle Financing options help you get on the road without breaking the bank. You can easily apply for loans that fit your budget and lifestyle. Plus, if you're considering buying a home or refinancing your current mortgage, our Mortgage Loans & Refinancing services make the process straightforward and supportive. Additionally, life can throw unexpected expenses your way. Our Personal Loans & Debt Consolidation services can provide the financial relief you need when times get tough. And don't forget about our Credit Cards with Rewards, which allow you to earn points for every dollar spent perfect for those who love to travel or shop!

Digital & Online Banking

Access Anytime, Anywhere

With our robust online banking platform available at https://www.americu.org/, you can access your accounts 24/7. This means you can check balances, transfer funds, and pay bills whenever it suits you. Plus, if you prefer using your smartphone, our mobile application makes it easy to manage your finances right from your pocket.

Effortless Money Movement

Need to send money to a friend or family member? With our person-to-person transfer feature, you can easily send money in real-time without any hassle. And if you want to make payments on the go, our mobile payments feature allows you to pay securely with just a few taps though currently not available at Americu.

Simple Transactions Made Secure

We know how important security is when it comes to banking online. That's why Americu offers electronic signature authorization, making transactions secure and straightforward. You can also enjoy e-statements, which provide a safe and eco-friendly way to keep track of your financial activity without the clutter of paper.

Why Choose Us?

At Americu, we pride ourselves on providing user-friendly services that empower you to take control of your finances. Our digital banking options are designed with accessibility in mind, ensuring that managing your money is always within reach. Join us today and experience the ease of banking with Americu!

Financial Strength

At Americu, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are committed to maintaining a robust financial position that supports your needs and aspirations. 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. 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. Our commitment to excellence is reflected in our $262,375,424 in undivided earnings, which allows us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. With $13,012 in used auto loans and $2,308,266,045 in total loans and leases, our lending capacity supports members' financial goals across various sectors. Our operational efficiency is evident with a net income of $0, 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. Net Shares (Funds available for lending and investments): $7,405,801. Total Share and Deposit Accounts: 334,070, showing a strong and growing member base that trusts us with their finances. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. 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 3944 Ny281 Cortland Ny 13045 or call (607) 758-6108 to learn more about how we can help you achieve your financial goals.

Loan Offering

Additional Loan Products

For those interested in business financing, our outstanding commercial loans totaling $229,853,269 provide the capital needed to grow and expand. Whether you're starting a new venture or looking to enhance an existing one, we have options available. If you're considering refinancing your existing loans, we offer various eligibility options that could help lower your monthly payments or secure better terms. Feel free to reach out for more information! You can contact us at (607) 758-6108 or visit us at our branch located at 3944 Ny281 Cortland Ny 13045 in Cortland, NY. 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 providing straightforward and transparent financial solutions tailored just for you.

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. We provide competitive rates and flexible terms that make it easier for you to drive away with confidence.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $189,127,842, make buying or refinancing simple. We believe that everyone should have access to affordable housing solutions and are here to guide you through the process.

Unsecured Credit Card Loans

Managing finances can be challenging, but we're here to help. We also offer flexible terms on unsecured credit card loans, with a total of $100,443,509 in loans assisting members effectively manage their expenses. Our credit cards come with various benefits tailored to fit your lifestyle.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. This tool is designed for users who want clear and straightforward information to help them make informed financial decisions. LendMesh ensures accurate loan comparisons through a commitment to transparency and reliability. 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 approach guarantees that users receive fair and transparent offers without any hidden agendas. One of the standout features of LendMesh is its dedication to providing verified data. All loan offers are sourced from legitimate financial institutions, allowing users to trust the information presented. Additionally, LendMesh does not prioritize lenders based on paid promotions this means no sponsored listings are included in the results. Our goal is solely to provide unbiased outcomes so users can choose what's best for their needs. With real-time rate comparisons, users can access up-to-date loan rates from multiple institutions at a glance. This feature enables individuals to make well-informed decisions quickly and easily. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

Americu