Americu Liverpool NY Credit Union | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Americu at our Liverpool branch, located at 7474 Oswego Rd, Liverpool, NY 13090. Established in 1978, we have proudly served our community for over four decades. With a total membership of 167,171 and assets exceeding $2.69 billion, we are committed to providing reliable financial services tailored to your needs. At Americu, we believe in the power of community and the importance of supporting our members. Our dedicated team, led by CEO Ronald Belle and Board President Nicholas Fabrizio, is here to help you navigate your financial journey with confidence. Whether you're looking for auto loans, personal banking services, or business financing, we've got you covered. Our branch offers a range of services including checking and savings accounts, mortgage loans, credit cards with rewards, and more. With total deposits amounting to $60,545,589 and a net worth of $262,375,424, we ensure that your money is safe and sound with us. We understand that convenience is key. That's why we provide drive-thru banking and ATM access for easy transactions. If you're interested in becoming a member or learning more about our offerings, don't hesitate to reach out! You can call us at 315-622-5447 or visit our website at Americu for more information. Join us as we continue to grow together and make an impact in our community!

Branch History & Mission

Call to Action

We invite you to join the Americu family! Experience firsthand how we can support your financial goals while being part of a community-focused credit union. Visit us today at 7474 Oswego Rd Liverpool Ny 13090 or give us a call at (315) 622-5447. Together, let's build a brighter financial future!

Community Focus

Our strong community ties have always been a priority. We believe in giving back and making a difference in the lives of those we serve. Whether it's through financial literacy programs or local sponsorships, we engage actively with organizations that share our vision for a thriving community.

Our Evolution

From humble beginnings, Americu has steadily expanded its reach and capabilities. With total assets now exceeding $2,693,858,739, we have continuously invested in modern technology and resources to better serve our members. Over the years, we have embraced advancements that enhance your banking experience, such as online banking and mobile applications. We strive to ensure that all our facilities are accessible and user-friendly, reflecting our dedication to ADA compliance and customer satisfaction.

Our Mission

At the core of our mission is a simple yet powerful belief: we are here for you. We aim to empower our members with personal banking solutions including checking and savings accounts, auto loans, mortgages, and business banking services. But beyond just transactions, we are deeply committed to supporting our local community through outreach programs and partnerships that uplift those around us. While you can visit us at 7474 Oswego Rd Liverpool Ny 13090 for all your banking needs, please note that if you need to send official correspondence, it should be directed to our mailing address, which is currently the same as our branch address.

Branch Location & Accessibility

Accessibility Features

At Americu, we prioritize accessibility for all our members. Our branch complies with ADA standards and features ramps to ensure everyone can enter easily. We strive to make your experience as comfortable as possible.

Operating Hours

We're open Monday through Friday, with lobby hours from 9 AM to 4 PM on most days, extending until 5 PM on Thursdays and Fridays. This means you can conveniently stop by after work or during your lunch break. If you have any questions before your visit, feel free to give us a call at 315-622-5447.

Services Offered

Inside our branch, you'll find a range of services tailored to meet your financial needs. From checking and savings accounts to auto loans and mortgage options, we're committed to helping you achieve your financial goals. Plus, we offer ATM access for quick transactions and basic drive-thru services for added convenience. While members can visit us at 7474 Oswego Rd, if you need to send official correspondence, please use our mailing address: [Insert Mailing Address Here]. We invite you to come visit Americu in Liverpool! Whether you're looking for personalized service or quick banking solutions, our team is ready to assist you. Don't hesitate; stop by today and see how we can support your financial journey!

Member Eligibility

Joining Americu is like becoming part of a close-knit family that supports your financial goals. If you're eager to experience the benefits of membership, it's great to know that eligibility is open to anyone who lives, works, worships, or attends school in the area around our branch at 7474 Oswego Rd Liverpool Ny 13090. It's a welcoming community that understands the importance of personal finance and strives to help you succeed. For those who meet these criteria, becoming a member means access to a variety of services tailored just for you, including competitive rates on loans and personalized banking options. The process to open an account is straightforward and friendly. Simply visit our website for more details on how to get started with your membership: Eligibility Information. If you're ready to take the next step, you can easily set up your account by following this link: Open an Account. Have questions? Feel free to reach out at (315) 622-5447 we're here to help you every step of the way!

Business Banking & Commercial Services

Lending Solutions

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 empower you to streamline payments and enhance customer satisfaction. Imagine your customers paying effortlessly through various channels whether online or in-store. This not only simplifies transactions but also helps improve cash flow and overall efficiency for your operations. Visit us at 7474 Oswego Rd Liverpool Ny 13090 in Liverpool, NY, or call us at (315) 622-5447 to discover how our business banking and commercial services can elevate your business today!

Comprehensive List Of Services

ATM & Drive-Thru Services

For those who prefer face-to-face interactions or need quick cash access, we provide ATM services and basic drive-thru banking at our branch located at 7474 Oswego Rd Liverpool Ny 13090. Our drive-thru allows for easy deposits and withdrawals without leaving your vehicle perfect for busy days! Plus, if you're a member of a partner credit union, take advantage of shared branch transactions available here.

Convenient Digital Banking

Embracing modern technology, Americu offers comprehensive online and mobile banking services that allow you to manage your accounts on-the-go. Whether it's checking balances, transferring money, or paying bills from the comfort of your home or while commuting, our digital tools ensure convenience at your fingertips. Additionally, with features like person-to-person payment options and e-statements, managing your finances has never been easier.

Credit Cards and Business Banking

With our credit cards featuring rewards programs, you can earn while you spend. These cards are great for everyday purchases and help you build your credit score over time. If you're an entrepreneur or small business owner, check out our business banking services which include merchant services and business loans designed to help you grow your operations.

Get Started Today!

We invite you to explore all that Americu has to offer. Our friendly staff is always ready to assist you with any questions or concerns you may have. Don't hesitate to reach out by calling us at (315) 622-5447 or visit us at our branch in Liverpool, NY. Join us today and discover how we can support your financial journey!

Personal Banking Solutions

Our personal banking services are designed with your lifestyle in mind. With checking and savings accounts that cater to everyday needs, you can manage your finances easily. Imagine having a reliable place to save for your future or access funds for daily expenses. We also offer auto loans and vehicle financing options that make purchasing your dream car straightforward and affordable. If you're considering buying a home, our mortgage loans and refinancing options can guide you through the process. We understand that each member's situation is unique, so our team is ready to assist you in finding the right solution. For those looking to consolidate debt or finance personal projects, our personal loans provide flexible terms that fit your budget.

Digital & Online Banking

Key Features for Your Convenience

Imagine being able to check your balance, pay bills, or transfer money from the comfort of your home or on-the-go. Our online banking platform allows you to do just that! You can access e-statements anytime you need them, making it easier to keep track of your spending and budgeting. Plus, if you ever need to sign documents, our electronic signature authorization feature lets you do it securely and conveniently online. Need to send money to a friend? With our person-to-person transfer service, sending funds is quick and hassle-free. Just a few taps on your smartphone or tablet is all it takes!

Mobile Application and Payments

For even greater accessibility, our mobile application brings all these features right to your fingertips. You can manage your accounts, view transactions, and stay updated with alerts wherever you go. Unfortunately, mobile payments aren't available just yet, but we're always looking for ways to enhance your experience. Whether you're making deposits or withdrawals at an ATM or using our drive-thru service for quick transactions, Americu is here for you. Our user-friendly interface ensures that everything is straightforward and easy to navigate. In today's fast-paced world, convenience matters. With the digital and online banking services offered at Americu, managing your finances is not just simple; it's also secure. Embrace the ease of real-time account management today!

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 strive to maintain a strong financial foundation, ensuring we can provide you with the best services and support you need. With a net worth of $262,375,424, we maintain robust 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. We also have $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. Our capacity to lend is significant; with $13,012 in used auto loans and $2,308,266,045 in total loans and leases, we are here to support your financial goals across various sectors. Our operational efficiency is reflected in our $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We 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. Additionally, net shares (funds available for lending and investments) stand at $7,405,801, while total share accounts reach 334,070, 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, Americu is your trusted partner. Visit us at 7474 Oswego Rd Liverpool Ny 13090 or call (315) 622-5447 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

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 interested in financing a brand-new vehicle or a reliable used car, our dedicated team is here to guide you through the process.

Business Loans

For business owners, our outstanding commercial loans totaling $229,853,269 provide the capital needed to grow and expand your business. We understand how important it is for businesses to have the right funding at the right time, and we're committed to supporting our local entrepreneurs.

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 work closely with you to find the best solution for your housing needs and financial situation.

Refinancing Options

If you're considering refinancing your current loans, we have options available that can lower your monthly payments and save you money over time. Eligibility for refinancing varies by product, so feel free to reach out for personalized assistance based on your specific situation. At Americu, we aim to provide not just financial products but also expert guidance and support every step of the way. For more information about our loan offerings or to get started, call us at (315) 622-5447 or visit us online at our website. 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 navigate your financial journey today!

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. This option allows you to have access to funds when unexpected expenses arise without needing collateral.

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 to help you make informed decisions without the confusion that often comes with shopping for loans. LendMesh ensures accurate loan comparisons by sourcing data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards. This commitment to transparency means that the loan offers you see are based on the latest results (Source: https://www.ncua.gov), ensuring fair and transparent offers every time you search. One of the key benefits of using LendMesh is its Verified Data feature. All loan offers are sourced from legitimate financial institutions, which builds trust and reliability into your decision-making process. Additionally, there are No Sponsored Listings on LendMesh; lenders are not prioritized based on paid promotions. This means you receive unbiased results that truly reflect the best options available for your needs. Another significant advantage is the Real-Time Rate Comparisons provided by LendMesh. You can access up-to-date loan rates from multiple institutions, making it easier than ever to find a rate that suits your financial situation. 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!" Ready to explore your options? 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