Americu Lowville NY Credit Union | Affordable Auto Loans & Personal Banking

Introduction

Welcome to Americu, your trusted financial partner since 1978! Located at 7394 Utica Blvd, Lowville, NY 13367, our branch is dedicated to serving the community with a personal touch. With a robust membership of over 167,171 individuals, we pride ourselves on being more than just a credit union; we're a vital part of your financial journey. At Americu, we understand that your financial needs are unique. That's why we offer a range of services from personal banking including checking and savings accounts to auto loans, mortgage financing, and business banking solutions. Our commitment to our members is reflected in our impressive total assets of $2,693,858,739 and total deposits amounting to $60,545,589. Whether you're looking for a loan or want to grow your savings, we have the resources to help you succeed. Led by our CEO Ronald Belle and Board President Nicholas Fabrizio, our team of 434 employees is here to provide expert guidance and support. We believe in building lasting relationships with our members and contributing positively to the local community. While you can visit us at our branch location for all your banking needs, official correspondence should be sent to the same address: 7394 Utica Blvd, Lowville, NY 13367. If you have any questions or need assistance, don't hesitate to reach out at 315-376-3000. Join us at Americu today and experience the difference that comes with being part of a community-focused credit union! Visit us online at americu.org to learn more about how we can help you achieve your financial goals.

Branch History & Mission

At Americu, located in the heart of Lowville, NY, our story is one of community, commitment, and growth. Since our doors opened in 1978, we have steadily built a legacy of trust and service. Starting with just a handful of members, we have grown to serve over 167,171 members today. This remarkable journey has been fueled by our dedication to providing personalized financial solutions that truly make a difference. Our branch can be found at 7394 Utica Blvd, Lowville, NY 13367, a convenient location for our members. Whether you're visiting us for personal banking or business services, you'll find that our doors are always open during our operating hours: Monday through Friday from 9:00 AM to 5:00 PM (with extended hours on Fridays until 6:00 PM). While members can visit us at this address for all their banking needs, official correspondence should be sent to the same mailing address. The mission of Americu goes beyond just providing financial services; we aim to uplift the communities we serve. We believe that everyone deserves access to quality banking solutions and opportunities for financial growth. Our mission statement reflects this commitment: we strive to empower our members by offering innovative products and services while fostering community support and engagement. Over the years, we have achieved significant milestones, including reaching total assets of nearly $2.7 billion. This growth allows us to expand our offerings continuously ranging from auto loans and mortgages to credit cards with rewards. Our goal is to ensure that every member feels valued and supported in their financial journey. As part of our commitment to modern banking practices, Americu embraces digital advancements. We offer online and mobile banking services that make managing finances easier than ever. Members can access their accounts anytime and anywhere while enjoying features like person-to-person payments and e-statements. Community outreach is another cornerstone of our mission. We actively partner with local organizations and initiatives to help improve the lives of those around us. From sponsoring local events to supporting educational programs, we are dedicated to making a positive impact in Lowville and beyond. If you're looking for a credit union that prioritizes your needs while giving back to the community, we invite you to join Americu today! Experience firsthand the benefits of being part of a cooperative where your voice matters. For more information or to open an account, please visit our website or call us at 315-376-3000. We can't wait to welcome you into our family!

Branch Location & Accessibility

Accessibility and Parking

At Americu, we prioritize accessibility for all our members. The branch features ADA-compliant ramps and parking spaces to ensure that everyone can visit us comfortably. If you're driving, you'll find ample parking available right outside our doors, so you can park with ease.

Call to Action

We invite you to come by and experience firsthand the friendly service that Americu is known for! If you have any questions or need assistance before your visit, don't hesitate to call us at 315-376-3000. We look forward to helping you achieve your financial goals!

Operating Hours

We know that convenience is key. 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, with extended hours on Fridays until 6:00 PM. Whether you need assistance with personal banking, loans, or other services, we're here for you during these hours.

Services Offered

At the Americu Lowville branch, we offer a variety of services tailored to meet your financial needs. From checking and savings accounts to auto loans and credit cards with rewards, we strive to provide you with the tools necessary for financial success. Additionally, our ATM is available for cash withdrawals and balance checks whenever you need it. While members can visit us at 7394 Utica Blvd, official correspondence should be sent to the same address as our mailing address: 7394 Utica Blvd, Lowville, NY 13367.

Member Eligibility

Becoming a member of Americu feels like joining a warm, welcoming community where your financial well-being is a top priority. To become part of our family, you simply need to meet some friendly eligibility criteria. If you live, work, worship, or attend school in the areas we serve, you're likely already qualified! We believe that everyone deserves access to the best financial services, and at Americu, you'll enjoy perks like lower fees, competitive rates on loans, and personalized service. For detailed information about eligibility, feel free to visit our resource page at https://www.americu.org/annual-membership-meeting/. Opening an account with us is just as simple! You can start your journey towards membership by visiting our account opening page at https://loans.americu.org/products/portal or give us a call at (315) 376-3000 if you have any questions. We're located at 7394 Utica Blvd Lowville Ny 13367, and our friendly staff is ready to help you every step of the way. Joining Americu means being part of something special let's get started today!

Business Banking & Commercial Services

Practical Merchant Services

Imagine having a payment solution that makes transactions smoother for you and your customers. Our merchant services simplify payment processing, allowing you to focus on what matters most growing your business. Accept credit and debit cards easily, manage payments online, and offer convenience that keeps customers coming back. Visit us at 7394 Utica Blvd Lowville Ny 13367 in Lowville, NY, or give us a call at (315) 376-3000 to learn how our tailored banking solutions can help your business thrive. Together, we can build the future you've envisioned!

Unlocking Growth with 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.

Comprehensive List Of Services

Business Banking

If you're a business owner, we have tailored solutions for you as well. Our Business Banking services include Merchant Services and Business Loans that can help your business thrive. We understand the challenges of running a business and are committed to providing the resources you need to succeed.

Convenient Access

At Americu, we prioritize convenience. With our ATM & Cash Withdrawal Services available, accessing cash is quick and easy. You can perform basic transactions like withdrawals and balance checks at any time. We also understand that banking should fit into your lifestyle. That's why we offer services such as eStatements and electronic signature authentication to streamline your banking experience.

Credit and Rewards

For those who love rewards, our Credit Cards with Rewards allow you to earn points for everyday purchases. It's a great way to get something back while managing your expenses!

Get Started Today!

We invite you to visit us or call us at (315) 376-3000 for any questions about how our services can benefit you. At Americu in Lowville, we're more than just a credit union; we're your partner in financial success. Explore all that we have to offer today! For more information about becoming a member or opening an account, feel free to visit our website at Lowville.

Personal Banking

Our personal banking services start with Checking and Savings Accounts designed to help you manage your money effectively. Imagine easily accessing your funds whenever you need them through our Online & Mobile Banking options. You can check balances, make transfers, and even pay bills right from your phone or computer. When it comes to financing your dreams, we offer Auto Loans & Vehicle Financing that can get you on the road in no time. Picture yourself driving off in a new car with affordable monthly payments that fit your budget. If homeownership is on your mind, consider our Mortgage Loans & Refinancing options to help you secure the best rates possible. In addition, we provide Personal Loans & Debt Consolidation services for those moments when life throws unexpected expenses your way. Whether it's consolidating debt or funding a special project, we're here to help make it happen.

Digital & Online Banking

Key Services

Our online banking service offers you 24/7 access to your accounts. Whether it's checking your balance, transferring funds, or paying bills, everything is just a login away. Plus, we provide the option for electronic signatures, making it easy to complete transactions securely without the need for paper forms. If you prefer receiving statements electronically, you're in luck! We offer e-statements for quick access and easy management of your financial records no more clutter from paper statements.

Mobile Experience

For those on the go, our mobile application is available for download. This app allows you to handle transactions right from your smartphone. You can make person-to-person transfers easily with just a few taps perfect for sending money to friends or family without hassle. While mobile payments aren't offered at this time, our focus remains on providing secure and user-friendly services that meet your needs.

Security and Support

Your security is our top priority. Our digital banking systems incorporate advanced security measures to protect your personal information and financial transactions. With Americu, you can bank confidently knowing that we take every precaution to keep your data safe. Experience the ease of managing your finances with our digital banking solutions at Americu today! Visit us online at https://www.americu.org/ and take control of your banking experience like never before.

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 understand that when it comes to your finances, you need a partner you can trust. That's why we are proud to share our financial strength, which is built on solid foundations and a commitment to serving our members effectively. 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. 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. Additionally, 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 reflected in our $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. In summary, we have a strong member base with 334,070 total share accounts that trust 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 7394 Utica Blvd Lowville Ny 13367 or call (315) 376-3000 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, we have options that suit your budget.

Business Financing

For business owners, our outstanding commercial loans totaling $229,853,269 provide the capital needed to grow and expand your business ventures. We are dedicated to supporting local businesses through tailored financing solutions. At Americu, our goal is to make borrowing straightforward and accessible for everyone. To find out more about our loan offerings or to check eligibility for any of our products, feel free to reach out at (315) 376-3000 or visit us at 7394 Utica Blvd Lowville Ny 13367 in Lowville, 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. Let us help you take the next step towards achieving your financial aspirations!

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 provide flexible terms and competitive interest rates to help you secure the home of your dreams. If you're considering refinancing your current mortgage, we are here to discuss eligibility options that can save you money.

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 come with rewards programs designed to give back while you spend.

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 to accurate sourcing ensures that users receive fair and transparent offers without hidden fees or misleading information.

Americu