Americu Watertown NY Credit Union | Affordable Vehicle Loans & Checking

Introduction

Welcome to Americu, your trusted financial partner located at 871 Arsenal St, Watertown, NY 13601. Since our establishment in 1978, we have proudly served our community with a commitment to providing exceptional service and fostering financial growth. With over 167,000 members and assets totaling an impressive $2.69 billion, we are dedicated to helping you achieve your financial goals. At Americu, we understand that banking is about more than just numbers; it's about building relationships and supporting one another in our journeys. Our experienced team, led by CEO Ronald Belle and Board President Nicholas Fabrizio, is here to guide you through every step of the process whether you're looking for personal banking solutions, auto loans, or business financing. While members can visit us at our Watertown branch for all their banking needs, official correspondence should be sent to the same address: 871 Arsenal St., Watertown, NY 13601-4555. We invite you to explore our services, which include checking and savings accounts, mortgage loans, credit cards with rewards, and much more. With total deposits amounting to $60.55 million and a net worth of $262.38 million, we are not only financially sound but also deeply invested in the success of our members. Our robust portfolio includes over 99,000 loans and leases, reflecting our commitment to supporting local families and businesses. We encourage you to reach out at 315-788-4042 or visit our website at americu.org to learn more about how we can assist you today! Your financial journey starts here at Americu where community matters most.

Branch History & Mission

At Americu, we are proud of our rich legacy and deep roots in the Watertown community. Since opening our doors in 1978, we have grown from a small credit union into a trusted financial partner for over 167,000 members. Located at 871 Arsenal St, Watertown, NY, our branch has been a beacon of support for families and businesses alike. Our journey began with a simple mission: to provide accessible and affordable financial services to those in need. Over the years, we have expanded our offerings to include personal banking, auto loans, mortgages, business banking solutions, and more. Today, with total assets exceeding $2.6 billion, we continue to prioritize the needs of our members while maintaining strong financial health. At Americu, we believe that banking is about more than just transactions; it's about building relationships and empowering our members. Our mission is clear: to improve the financial well-being of our community through personalized service and innovative solutions. We aim to create an environment where everyone can thrive financially. While members can visit us at 871 Arsenal St., official correspondence should be sent to 871 Arsenal St., Watertown, NY 13601-4555 if needed. Our branch features both ATM availability and drive-thru banking services for your convenience. We pride ourselves on embracing technology while ensuring that all members can access our services easily. From online banking to mobile applications, we strive to provide user-friendly solutions that fit your lifestyle. Community involvement is at the heart of what we do. We actively participate in local events and partner with organizations that share our values of support and empowerment. Together with our members, we work towards making Watertown a better place for everyone. As you explore what Americu has to offer, we invite you to join us on this journey towards financial wellness. Experience firsthand how we can help you achieve your goals today! For more information or assistance, feel free to call us at 315-788-4042 or visit our website at americu.org.

Branch Location & Accessibility

Come Visit Us!

We invite you to stop by our Watertown branch and experience the warm welcome from our team. At Americu, we're not just about transactions; we're about building relationships within our community. If you have any questions or need assistance before your visit, don't hesitate to reach out!

Convenient Access for Everyone

At Americu, we prioritize convenience and accessibility for all our members. Our branch features ample parking, including designated spots for those with disabilities. The entrance is ADA compliant, ensuring that everyone can easily access our services without any hassle.

Operating Hours to Fit Your Schedule

We understand that life can be busy, which is why our lobby hours are designed to accommodate your needs. You can visit us Monday through Friday from 9:00 AM to 5:00 PM. Whether you're stopping by for a quick transaction or need assistance with your financial goals, our dedicated staff is here to help.

Services Tailored Just for You

Our Watertown branch offers a variety of services to meet your banking needs, including personal banking options like checking and savings accounts, auto loans, mortgage loans, and credit cards with rewards. Additionally, we provide convenient drive-thru banking for deposits and withdrawals if you prefer a quicker service option. For those who may need cash on the go, we have an ATM available right at our location. If you're looking for more information about our services or want to open an account, feel free to call us at 315-788-4042 or visit our website at americu.org.

Member Eligibility

At Americu, we believe that everyone deserves the opportunity to join a supportive community focused on financial well-being. Becoming a member is easy and welcoming, especially if you live, work, or worship in the areas we serve. If you're looking for a place that values its members and offers tailored financial solutions, you're in the right spot! You can check out the specific eligibility requirements at this link, which outlines who can join our family. Once you're ready to take the next step, opening an account at Americu is straightforward! Whether you need personal banking services or loans, we're here to help you every step of the way. Feel free to reach out at (315) 788-4042 if you have any questions or need assistance. We can't wait to welcome you to our community at 871 Arsenal St Watertown Ny 13601!

Business Banking & Commercial Services

Practical Merchant Services

Imagine processing payments smoothly while serving customers. Our merchant services make this possible, allowing you to focus on what you do best running your business. From credit card processing to point-of-sale solutions, we provide tools that help you serve your customers better and streamline operations. Visit us at 871 Arsenal St Watertown Ny 13601 in Watertown, NY or call us at (315) 788-4042 to learn how we can help your business thrive!

Tailored 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.

Comprehensive List Of Services

Business Banking

We understand that small businesses are the backbone of our community. That's why we offer tailored solutions like merchant services and business loans, which help entrepreneurs manage cash flow effectively and grow their enterprises. We believe that supporting local businesses strengthens our economy and fosters community growth.

Convenient Access

For those who prefer face-to-face interactions, we have basic drive-thru banking available for deposits and withdrawals. Additionally, our ATMs provide 24/7 access for quick cash withdrawals and balance checks perfect for those busy days when time is of the essence. At Americu, we strive to make banking easy and accessible for everyone. With features like electronic signatures and e-statements, managing your finances has never been more convenient.

Get Started Today!

Ready to take control of your financial future? Visit us at 871 Arsenal St Watertown Ny 13601, call us at (315) 788-4042, or explore our website at Watertown for more information on how we can assist you in achieving your financial goals. Your journey starts here!

Loans and Financing

If you're looking to buy a new car or refinance an existing vehicle, our auto loans and vehicle financing options come with competitive rates to help you drive away happy. Planning to purchase a home? Our mortgage loans and refinancing services are designed to guide you through the process smoothly. Plus, if you're facing unexpected expenses or want to consolidate debt, our personal loans can provide the financial relief you need.

Personal Banking

For individuals and families, we provide essential personal banking services such as checking and savings accounts that fit your lifestyle. Imagine easily accessing your funds through our online and mobile banking platforms, where you can check balances, make transfers, and pay bills all from the comfort of your home or on the go. Our credit cards with rewards offer added benefits for everyday spending, making it easier to earn while you shop.

Digital & Online Banking

Key Features

One of the standout features is our electronic signature authorization. This means you can complete transactions securely without needing to visit a branch. You can also opt for e-statements, allowing you to view your statements electronically no more paper clutter! For those who are always on their phones, our mobile application makes banking even easier. Check your account status, make deposits, or set up person-to-person transfers with just a few taps. Plus, if you're out shopping or splitting a bill with friends, our person-to-person transfer feature lets you send money quickly and easily. Although we currently do not offer mobile payments, rest assured that all our digital services prioritize security and user-friendliness. You can trust that your information is safe while enjoying real-time account management. In summary, whether you're at home or out and about in Watertown, our digital banking services at Americu are designed to keep you connected and in control of your financial life. Visit us online today at https://www.americu.org/ to learn more about how we can help simplify your banking experience!

Financial Strength

Growing Community Trust

With total share accounts at 334,070, we showcase a strong and growing member base that trusts us with their finances. Our net shares available for lending stand at $7,405,801, further reinforcing our capacity to support your banking 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 871 Arsenal St Watertown Ny 13601 or call (315) 788-4042 to learn more about how we can help you achieve your financial goals.

Investment in Your Future

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 supports your financial goals across various sectors with $13,012 in used auto loans and $2,308,266,045 in total loans and leases.

Operational Efficiency

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.

Secure 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.

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.

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. We provide financing options for both new and used vehicles, making it easier for you to drive away in the car you want. Plus, if you're considering refinancing your current auto loan, we can guide you through that process too.

Credit Lines and Personal Loans

Need flexibility with your finances? We offer credit lines totaling $521,782,819 that can be used for various needs be it home improvements, unexpected bills, or even a vacation. Additionally, our unsecured credit card loans total $100,443,509, providing you with the ability to manage your expenses effectively without the burden of collateral.

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. Whether you're a first-time homebuyer or looking to refinance your existing mortgage, our team is here to assist you every step of the way.

Supporting Local Businesses

For business owners, our outstanding commercial loans totaling $229,853,269 provide the capital needed to grow and expand. We recognize the importance of supporting local businesses and are committed to being a reliable partner in your journey. Our dedicated team at Americu, located at 871 Arsenal St Watertown Ny 13601, is ready to help you explore these options further. You can reach us at (315) 788-4042 during our operating hours: Monday through Friday from 9:00 AM to 5:00 PM (with extended hours on Fridays until 6:00 PM). 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 we can support your financial journey today!

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. LendMesh ensures accurate loan comparisons by sourcing data 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 guarantees that users receive fair and transparent offers. One significant benefit of using LendMesh is the Verified Data feature. All loan offers are sourced from legitimate financial institutions, ensuring transparency. Additionally, LendMesh operates without Sponsored Listings; it does not prioritize lenders based on paid promotions our goal is to provide unbiased results. Users can rely on Real-Time Rate Comparisons, which include up-to-date loan rates from multiple institutions. This helps individuals make informed decisions about their financing options. Thousands of users trust LendMesh for loan comparisons. One satisfied member shared, "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This testimonial reflects the effectiveness of LendMesh in guiding consumers toward better financial choices. 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