APS Credit Union Charleroi PA | Best Auto Loans & Business Banking

Introduction

At Aps Federal Credit Union, we understand that financial services are more than just numbers; they're about people and communities. Established in 1935, our credit union has been a cornerstone for residents of Charleroi, PA. With a dedicated team of just 2 employees, we pride ourselves on offering personalized service that truly makes a difference in our members' lives. Located at 259 Fremont Rd, Charleroi, PA 15022, our branch is ready to assist you with a variety of financial needs, from checking and savings accounts to auto loans and mortgages. We encourage you to reach out at 724-483-6260 during our operating hours from 8 AM to 4:30 PM, Monday through Friday. While members can visit us at this address, official correspondence should be sent to the same location. As of now, we proudly serve over 1,051 members and manage total assets of $9,142,143. Our commitment to community is evident not only through our robust offerings but also through responsible lending practices, with 733 loans and leases currently provided to support personal and business growth. Under the leadership of CEO Michael King and Board President Mark Snodgrass, Aps Federal Credit Union is devoted to fostering relationships built on trust and reliability. We invite you to explore how our services can empower your financial journey. For more information or to get started today, visit us online at apsfcu.org or call us directly!

Branch History & Mission

Community Focus

At Aps Federal Credit Union, our mission goes beyond just financial transactions; it is about building lasting relationships within our community. We understand that our success is tied directly to the well-being of the people we serve. Through various outreach efforts and partnerships with local organizations, we strive to uplift Charleroi by supporting educational programs, local events, and initiatives that promote economic growth. As part of this commitment, we ensure that all members receive personalized service tailored to their unique needs. Whether you are looking for help with debt consolidation or exploring mortgage options for your dream home, our dedicated staff is here to guide you every step of the way.

Join Us!

While we invite you to visit us at our branch on Fremont Road during our operating hours from 8 AM to 4:30 PM Monday through Friday, we also encourage you to reach out by phone at 724-483-6260 for any inquiries or assistance you may need. If you're ready to experience the benefits of membership at Aps Federal Credit Union and join a community-focused institution that truly cares about your financial health, don't hesitate! Start your journey with us today by visiting our website or opening an account online. Together, let's build a brighter future!

Our Journey

Aps began its journey with a simple mission: to provide accessible financial services that empower individuals and families in Charleroi and beyond. From humble beginnings, we have seen significant milestones in our evolution. Our commitment to member service has driven us to expand our offerings over the years. Today, we proudly provide personal banking options such as checking and savings accounts, auto loans, mortgages, credit cards with rewards, and business banking services. We believe in staying current with technology while also being mindful of accessibility. Our online banking platform allows members to manage their finances easily from anywhere, reflecting our dedication to providing customer-friendly services that meet modern needs.

Branch Location & Accessibility

Welcome to Aps Federal Credit Union, your trusted partner in personal and business banking, conveniently located at 259 Fremont Rd, Charleroi, PA 15022. Our branch is nestled in the heart of Charleroi, a vibrant community in Washington County. Whether you're heading to the nearby Charleroi Park or visiting local shops, stopping by our credit union is easy and accessible. At Aps Federal Credit Union, we prioritize convenience for our members. Our location features ample parking with easy access to the entrance, ensuring everyone can visit us comfortably. We are proud to be ADA compliant, with ramps and other accessibility features in place to assist all members. We invite you to come by during our operating hours from 8 AM to 4:30 PM, Monday through Friday. Our dedicated team is ready to assist you with various services tailored to meet your financial needs. From checking and savings accounts to auto loans and personal loans, we offer a range of banking solutions designed for both individuals and businesses. While you can visit us at our Charleroi branch for all your banking needs, please remember that any official correspondence should be sent to our mailing address: 259 Fremont Rd, Charleroi, PA 15022-1707. If you have questions or need assistance, feel free to give us a call at 724-483-6260. We look forward to welcoming you into our community-focused credit union where your financial goals become our priority!

Member Eligibility

At Aps, we believe that becoming a member is like joining a family where your financial goals are our priority. If you live, work, worship, or attend school in the Charleroi area, you're likely eligible to join us! We welcome individuals from various walks of life, making it easy for you to access the services and support you need. As a member, you'll enjoy competitive rates on loans, personalized service, and a range of financial products tailored just for you. Getting started is simple! You can find all the details about eligibility and membership at this link. When you're ready to open an account, head over to this page to complete the process online or give us a call at (724) 483-6260. Our friendly team is here to help you every step of the way. Join us at Aps, located at 259 Fremont Rd Charleroi Pa 15022, and take the first step toward a brighter financial future!

Business Banking & Commercial Services

Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

Imagine running your business with efficient payment solutions that let you focus on what you do best. Our merchant services provide practical tools that simplify transactions, making it easier for your customers to pay while ensuring you get paid quickly. With personalized support and easy-to-use technology, we're here to help streamline your operations. Located at 259 Fremont Rd Charleroi Pa 15022 in Charleroi, PA, we invite you to explore how our business banking services can help turn your vision into reality. For more information, call us at (724) 483-6260 or visit us online at Aps Federal Credit Union. Let's grow together!

Comprehensive List Of Services

Business Banking

For entrepreneurs and small business owners in Charleroi, we provide tailored business banking services including merchant services and business loans. Whether you're just starting out or looking to expand, we're here to support your journey with financial solutions that fit your business model.

Digital Banking Convenience

In today's fast-paced world, convenience is key. Our online and mobile banking features allow you to manage your accounts anytime, anywhere. From checking balances to transferring funds or paying bills, everything is just a few clicks away. While we currently do not offer ATM services directly at this branch, we ensure that cash withdrawal services are easily accessible through partner networks.

Get Started Today!

No matter what stage you're at in life whether it's saving for your future or managing daily expenses Aps is here for you every step of the way. Feel free to reach out by calling us at (724) 483-6260 during our operating hours from 8 AM to 4:30 PM Monday through Friday. Discover how we can assist you in achieving your financial goals today! Visit us online at Aps Federal Credit Union for more information on our full range of services or to open an account today!

Home Financing

For those looking to settle into a new home or refinance their current mortgage, our mortgage loans are crafted with flexibility and affordability in mind. We understand that buying a home is one of the biggest decisions you'll make, which is why our team is here to guide you through every step of the process.

Personal Banking

Starting with personal banking, we offer checking and savings accounts designed for every lifestyle. Need a place to store your savings? Our accounts come with competitive interest rates and no hidden fees. If you're planning a big purchase or simply want to drive off in your dream car, our auto loans and vehicle financing options make it easy to get behind the wheel without breaking the bank.

Personal Loans & Credit Cards

Sometimes life throws unexpected expenses your way. That's where our personal loans and debt consolidation options come into play, helping you regain control of your finances. Plus, if you're looking for an everyday spending solution that rewards you, check out our credit cards with rewards that give back while you shop.

Digital & Online Banking

Key Services

Our online banking platform is available 24/7, allowing you to access your accounts anytime you need. You can quickly check balances, pay bills, and transfer money using our secure system. Plus, with our person-to-person transfers, sending money to friends or family is just a few clicks away. If you prefer to go paperless, we provide e-statements that make it easy to keep track of your finances without the clutter of physical documents. And if you need to sign important documents, our electronic signature authorization feature ensures a fast and secure way to get things done. While we currently do not offer mobile payments or a dedicated mobile application, our website at https://www.apscu.org/ is fully optimized for mobile use. This means you can manage your banking needs from your smartphone or tablet with ease.

Security and Accessibility

Your security is our priority. Our online banking services are built with robust security measures to protect your personal information and account details. Navigating through our online platform is straightforward, so you'll spend less time figuring things out and more time enjoying the benefits of hassle-free banking. At Aps, we strive to make banking accessible for everyone. With real-time account management at your fingertips, you can focus on what really matters while knowing that managing your finances is simple and secure. Join us today and experience the ease of digital banking!

Financial Strength

A Dedicated Team

We also take pride in having 2 full-time employees and 0 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Total Share and Deposit Accounts stand at 1,666, showcasing 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, Aps is your trusted partner. Visit us at 259 Fremont Rd Charleroi Pa 15022 or call (724) 483-6260 to learn more about how we can help you achieve your financial goals.

Focused on You

Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $588,961 in undivided earnings, we reinvest in innovative banking tools and enhanced security measures to serve our members better.

Member Savings Security

Members' savings are secured through $285,673 in share certificates, offering stable and rewarding financial growth opportunities. This commitment to safeguarding your funds means you can save with confidence, knowing your money is working for you.

Our Financial Health

With a net worth of $807,994, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $884 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Supporting Your Goals

With $125 in used auto loans and $5,848,597 in total loans and leases, our lending capacity supports members' financial goals across various sectors. Our operational efficiency is reflected in our $24,923, enabling us to continue offering competitive loan rates and solid financial products for our members.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $1,756,611 in used vehicle loans and $2,493,152 in new vehicle loans already helping members get on the road. Whether you're interested in financing a new or used vehicle, our team is here to guide you through the process and find an option that fits your budget.

Credit Lines

For those who prefer a more flexible borrowing solution, we also offer credit lines with a total limit of $300,000. This option gives you access to funds when you need them without having to take out a traditional loan. If you're interested in any of these loan products or have questions about refinancing options and eligibility, feel free to reach out to us at (724) 483-6260 or visit us at our branch located at 259 Fremont Rd Charleroi Pa 15022 in Charleroi, PA. Our friendly staff is ready to assist you during our operating hours from 8 AM to 4:30 PM Monday through Friday. 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 look forward to helping you navigate your financial journey!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We currently offer Junior Lien 1-4 Family Residential Properties loans totaling $0, providing flexible terms designed to accommodate your lifestyle and financial situation.

Unsecured Credit Card Loans

Managing day-to-day expenses can sometimes be challenging. That's where our unsecured credit card loans come into play. With a total of $504,525 in loans available, we provide flexible terms to help you manage your finances effectively without breaking the bank.

Loan Aggregator

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 ensures fair and transparent offers for all users. By focusing on verified institutions, LendMesh guarantees that users receive accurate information on available loan options.

Key Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency in the comparison process. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results that reflect true market conditions. - Real-Time Rate Comparisons: With up-to-date loan rates from multiple institutions, users can quickly assess their options and select the best fit for their financial needs. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This testimonial highlights the effectiveness and ease of using the platform. 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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