Americu Syracuse NY Credit Union | Quick Personal Loans & Auto Financing

Introduction

Welcome to Americu, your trusted partner in financial growth located at 200 Walton St, Syracuse, NY 13202. Since our establishment in 1978, we have proudly served our community, building strong relationships with over 167,000 members. At Americu, we understand that banking is more than just transactions; it's about supporting you and your aspirations. With total assets exceeding $2.69 billion and total deposits of $60,545,589, we're committed to providing you with secure and reliable financial services. Our diverse offerings include personal banking solutions like checking and savings accounts, auto loans, mortgage refinancing, and even business banking services to help local enterprises thrive. Our team is led by CEO Ronald Belle and Board President Nicholas Fabrizio, who share a passion for community engagement and member satisfaction. We are proud to employ 434 dedicated professionals, all working towards making your banking experience as seamless as possible. While members can visit us at our branch on Walton Street for all their banking needs, official correspondence should be sent to the same address. Whether you're looking for assistance with loans or want to explore our online banking options through our website at Americu.org, we're here to help you every step of the way. Join us today and discover how we can support your financial journey! Feel free to reach out at (315) 413-4650 for any inquiries or visit us during our lobby hours. Your future starts here!

Branch History & Mission

Join Us

As we continue this journey together, we invite you to become part of the Americu family. Experience personalized banking designed with you in mind because when you thrive, our community thrives too! Visit us today or check out more about what we offer at Americu. Let's build a brighter future together!

Our Legacy

Since opening our doors, Americu has always prioritized its members' needs. With total assets now exceeding $2.69 billion, we have built a solid foundation that enables us to offer a wide range of products and services tailored to meet our members' diverse financial goals. From auto loans to personal banking, we are dedicated to helping individuals and families achieve their dreams. Our branch is more than just a place to conduct transactions; it's a hub of connection and support. We understand the importance of being accessible, which is why we offer convenient ATM services and online banking options. While we currently do not have drive-thru service or shared service centers, our team is always ready to assist you during our operating hours: Monday through Wednesday from 8:00 AM to 4:00 PM, and Thursday through Friday from 7:30 AM to 6:00 PM.

Our Mission

At Americu, our mission is clear: we strive to empower our members through comprehensive financial solutions while fostering a spirit of community engagement. We believe that financial wellness goes hand in hand with community support. This is why we actively participate in various outreach initiatives aimed at improving the lives of those around us. We are proud to be an ADA-compliant facility, ensuring that all members can access our services comfortably. Additionally, with advancements like electronic signatures and e-statements available for your convenience, we're making banking easier than ever. While members can visit us at 200 Walton St, official correspondence should be sent to the same address for consistency.

Branch Location & Accessibility

Easy Access and Comfort

At Americu, we prioritize your convenience. Our branch features ample parking and is fully ADA-compliant, making it easy for everyone to access our services. Whether you're coming in for a quick transaction or need assistance with your financial needs, our friendly staff is here to help. We understand that life can be busy! That's why we offer flexible operating hours: - Monday to Wednesday: 8:00 AM - 4:00 PM - Thursday and Friday: 7:30 AM - 6:00 PM Feel free to reach out at 315-413-4650 if you have any questions or need assistance before your visit.

Services Tailored for You

At our Americu branch in Armory Square, you'll find a range of services designed to meet your banking needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. We also offer convenient ATM access for quick cash withdrawals and balance checks. Although we currently do not have a drive-thru service, our lobby is welcoming and ready to assist you during business hours.

Visit Us Today!

We invite you to stop by Americu at 200 Walton St, Syracuse, NY. Experience firsthand how we can help you achieve your financial goals in a friendly and approachable setting. Your satisfaction is important to us, so don't hesitate to call or come by we look forward to serving you!

Member Eligibility

Joining the Americu community is a welcoming and inclusive experience that opens doors to a range of financial services tailored just for you. Whether you're looking for personal banking, loans, or simply a supportive environment, becoming a member is easy! To qualify, you'll need to meet certain eligibility criteria which can include living, working, or attending school in specific areas or having family connections to existing members. Don't worry; this means many people are already eligible! For more detailed information on what it takes to become a member, feel free to visit our eligibility page where you can find all the specifics. Once you've confirmed your eligibility, opening an account at Americu is straightforward. Our friendly staff is here to assist you every step of the way. You can get started by visiting our account opening page or give us a call at (315) 413-4650 if you have any questions. We're located at 200 Walton St Syracuse Ny 13202, and we can't wait to welcome you into our community!

Business Banking & Commercial Services

Commercial Loan Options

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 handle transactions smoothly. Imagine having a reliable partner that simplifies payment processing so you can focus on what matters growing your business. Our tools help you manage payments efficiently, allowing your customers to pay how they prefer, whether it's through credit cards or other convenient methods. Located at 200 Walton St Syracuse Ny 13202 in Syracuse, NY, we invite you to visit us or call (315) 413-4650. Let's explore how we can help take your business further together!

Comprehensive List Of Services

Business Banking Support

For our small business owners, we haven't forgotten about you! Our Business Banking solutions include merchant services and business loans designed to help your enterprise thrive. We understand how challenging running a business can be, and we're here to ensure you have the financial support needed to succeed.

Convenient Access Anytime

With our ATM and cash withdrawal services available at various locations, accessing your funds has never been easier. Basic ATM access allows for withdrawals and balance checks without any hassle. At Americu, located conveniently at 200 Walton St Syracuse Ny 13202, we strive to make banking accessible and efficient for everyone in Syracuse and beyond. If you're ready to explore how we can assist with any of these services or if you have questions about becoming a member, don't hesitate to call us at (315) 413-4650 or visit us online at Armory Square. Let us partner with you on your financial journey!

Home Sweet Home

For those dreaming of home ownership or looking to refinance, our Mortgage Loans & Refinancing services are here for you. Our experienced staff will guide you through the process, helping you understand all your options so you can choose what's best for your situation. Whether it's your first home or an investment property, we're committed to making the experience as smooth as possible.

Personal Banking Made Easy

We understand that managing your money should be simple and straightforward. That's why we offer Personal Banking, including checking and savings accounts designed to fit your lifestyle. Whether you're saving for a vacation or planning for future expenses, our accounts come with features that make tracking your finances effortless. Imagine having easy access to your funds through our Online & Mobile Banking platforms, allowing you to manage your accounts anytime, anywhere.

Personal Loans When You Need Them

Life can throw unexpected expenses at you. That's where our Personal Loans & Debt Consolidation services come in handy. Whether it's medical bills or home repairs, we provide quick solutions to help you manage those costs effectively. Imagine consolidating multiple debts into one manageable payment making life just a little easier.

Rewarding Credit Card Options

Looking for a credit card? Our Credit Cards with Rewards program not only helps build your credit but also rewards you for everyday purchases. It's a great way to earn points while spending on what you already buy think about treating yourself to something special with those points!

Vehicle Financing Options

If you're looking to hit the road in a new car, our Auto Loans & Vehicle Financing options can help turn that dream into reality. With competitive rates and flexible terms, we work with you to find the best solution that fits your budget. Picture yourself driving away in a new vehicle without the stress of complicated financing processes.

Digital & Online Banking

Key Features

One of the standout features at Americu is our ability to handle electronic signature authorization. This means signing documents electronically is quick and straightforward, saving you time and effort. Plus, with e-statements available, you'll receive your account statements digitally helping you reduce paper clutter while keeping everything organized. For those who enjoy mobile banking, our dedicated mobile application makes it easy to manage your finances right from your smartphone. You can even send money directly to friends or family with our person-to-person transfer feature, making it hassle-free to share expenses or settle up after a night out.

Security and Accessibility

Security is a top priority for us. Our online banking platform uses advanced encryption technology to protect your personal information, so you can bank with peace of mind. We aim to provide an experience that's not only safe but also simple and efficient. At Americu, we believe that managing your money should be easy and accessible for everyone. With all these features combined, banking has never been more convenient! Experience the benefits of modern banking today by visiting us online at https://www.americu.org/.

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 lending capacity is robust; with $13,012 in used auto loans and $2,308,266,045 in total loans and leases, we support our members' financial goals across various sectors. Our operational efficiency is reflected in our $0, which enables 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.

Member Savings Security

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 Strong 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.

Trust Built on Transparency

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. 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 200 Walton St Syracuse Ny 13202 or call (315) 413-4650 to learn more about how we can help you achieve your financial goals.

Loan Offering

Additional Financing Options

For business owners, our outstanding commercial loans totaling $229,853,269 provide the capital needed to grow and expand your business. We are dedicated to supporting local entrepreneurs with tailored solutions that fit their unique needs. If you're considering refinancing any existing loans or want to explore eligibility options, our team is here to help you understand your choices and find the best solution for your situation. At Americu, we pride ourselves on offering personalized service along with competitive rates. If you have any questions about our loan products or would like assistance in getting started, don't hesitate to reach out at (315) 413-4650 or visit us at 200 Walton St Syracuse Ny 13202 in Syracuse, 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 here to help you navigate your financial journey!

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 flexible terms to suit your budget and help you 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. With competitive rates and personalized service, we guide you through the process from start to finish.

Unsecured Credit Card Loans

Managing everyday expenses can sometimes be challenging, which is why 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. Enjoy peace of mind with manageable payments and no collateral required.

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 transparency helps users make informed decisions without the confusion often associated with loan shopping. 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 approach is based on the latest results, as detailed on their website (Source: https://www.ncua.gov). By using verified information from legitimate financial institutions, LendMesh guarantees that users receive fair and transparent offers. One of the key benefits of using LendMesh is its commitment to Verified Data. All loan offers come from trusted sources, ensuring clarity in what users are comparing. Additionally, LendMesh maintains an unbiased platform by offering No Sponsored Listings; lenders are not prioritized based on paid promotions. This means every user sees the same honest results based solely on their needs. LendMesh also provides Real-Time Rate Comparisons, keeping users updated with current loan rates from multiple institutions. This feature empowers users to make choices that suit their financial situations best. 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!" Such testimonials highlight the reliability and effectiveness of this tool in simplifying the loan selection process. 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.*

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