Associated School Employees Credit Union Warren OH | Low Mortgage Rates & Quick Personal Loans

Introduction

Welcome to the Associated School Employees Credit Union, where we proudly serve our community since 1958. Located at 2255 Salt Springs Rd, Warren, OH 44481, we are dedicated to providing exceptional financial services tailored for our members. With a strong commitment to supporting our local educators and their families, our mission is to help you achieve your financial goals. At Associated School Employees, our community impact speaks volumes. With over 14,000 members and assets totaling $187,069,358, we have built a solid foundation of trust and reliability. Our total deposits of $6,161,033 reflect the confidence that our members place in us. We understand that every member's needs are unique, which is why we offer a variety of services including personal banking, auto loans, mortgage financing, and credit cards with rewards. Our leadership team is committed to guiding us toward excellence. Under the direction of CEO Michael Kurish and Board President Frank Lazzeri, we strive to ensure that each member receives personalized support. Our friendly staff of 34 employees is always ready to assist you during our lobby hours from 8:30 AM to 5:00 PM on weekdays. For official correspondence or inquiries, feel free to reach out via phone at 330-824-2542 or send a fax to 330-792-4909. While members can visit us at our branch location in Warren, official correspondence should be sent to the same address. Join us at Associated School Employees Credit Union as we work together for a brighter financial future. Explore our website at asecu.com for more information on how we can assist you today! Whether you're looking for loans or want guidance on savings accounts, we're here for you every step of the way.

Branch History & Mission

At Associated School Employees Credit Union, we take pride in our rich history and commitment to serving our community in Warren, OH. Founded in 1958, our branch has grown from a small financial institution into a trusted partner for over 14,000 members. Located at 2255 Salt Springs Rd, we are conveniently situated near local schools and community centers, making it easy for our members to access the services they need. Our mission is simple yet powerful: to provide our members with exceptional financial services while supporting the communities we serve. We aim to empower individuals and families by offering a range of products, including checking and savings accounts, auto loans, mortgage loans, personal loans, and credit cards with rewards. Our commitment to member satisfaction drives everything we do, ensuring that each interaction is positive and productive. Over the years, Associated School Employees has made significant strides in enhancing our services. We have embraced technology to offer online and mobile banking options that make managing finances more convenient than ever. Additionally, our drive-thru banking service allows for quick transactions without leaving your vehicle. We also ensure ADA compliance so that everyone can easily access our services. While members can visit us at 2255 Salt Springs Rd Warren Oh 44481, official correspondence should be sent to 2255 Salt Springs Rd, Warren, OH 44481. Our dedicated team is available during lobby hours from 8:30 AM to 5:00 PM on weekdays, ready to assist you with your financial needs. As a community-focused credit union headquartered in Youngstown, OH, we actively engage in outreach efforts that strengthen the neighborhoods we serve. Our partnerships with local organizations allow us to support educational initiatives and provide resources for those in need. Join us at Associated School Employees Credit Union and discover the difference of being part of a cooperative that truly cares about its members. Together, we can achieve financial success while building a stronger community. Experience the benefits today call us at (330) 824-2542 or visit our website at asecu.com to learn more about how you can become a member!

Branch Location & Accessibility

Welcome to the Associated School Employees Credit Union, conveniently located at 2255 Salt Springs Rd in Warren, Ohio! Nestled in Trumbull County, our branch is easily accessible for all members of the community. Whether you're coming from nearby landmarks like the popular Eastwood Mall or just passing through on your daily commute, you'll find us right where you need us. At our branch, we understand that convenience is key. That's why we offer ample parking and have features in place to ensure accessibility for everyone, including ramps and ADA-compliant facilities. If you prefer banking on the go, we're proud to provide ATM access along with drive-thru banking services for quick and easy transactions. Our lobby hours are designed with your busy schedule in mind, open from 8:30 am to 5:00 pm, Monday through Friday. If you need assistance or have questions about our services ranging from personal banking options like checking and savings accounts to auto loans and credit cards we're just a phone call away at 330-824-2542. While members can visit us at 2255 Salt Springs Rd for all their banking needs, please note that official correspondence should be sent to the same address. We invite you to come by, chat with our friendly staff, and discover how we can help you meet your financial goals. We look forward to welcoming you soon!

Member Eligibility

Welcome to the community at Associated School Employees! Becoming a member is not just about banking; it's about joining a family that supports you in reaching your financial goals. If you're wondering whether you can join us, the good news is that eligibility is quite simple and inclusive. Generally, individuals who work in the education sector or are affiliated with educational institutions can become members. This means if you're a teacher, administrator, or even a retiree from an educational organization, you're likely eligible to enjoy all the perks we offer. For detailed criteria and to ensure you meet all the requirements, feel free to check out our eligibility page at http://asecu.com/become-a-member. Once you're ready to take the next step, opening an account at Associated School Employees is easy! Just visit us at our location on 2255 Salt Springs Rd Warren Oh 44481 or give us a call at (330) 824-2542 for any questions. We're here to help you navigate through every part of your membership journey so you can start enjoying benefits like personalized service, competitive rates on loans, and access to various financial products tailored just for you. Join us today and be part of something special!

Business Banking & Commercial Services

Merchant Services That Make a Difference

In addition to loans, we offer robust merchant services that simplify payment processing for your business. Picture this: you serve customers who want convenience, and our services help you meet those expectations efficiently. From card processing to online payments, we equip your business with the tools needed to thrive in today's marketplace. If you're ready to take your business to the next level, visit us at 2255 Salt Springs Rd Warren Oh 44481, Warren, OH, or give us a call at (330) 824-2542. Let's explore how we can work together!

Tailored Loan Options

Imagine having the right financial partner by your side as you grow. 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.

Comprehensive List Of Services

Business Banking

For our entrepreneurial members, we offer comprehensive business banking solutions, including merchant services and business loans. We're committed to helping local businesses thrive by providing the financial tools they need to succeed.

Credit Cards

Don't forget about our credit cards with rewards! These cards not only help you manage expenses but also earn points for every dollar spent. It's like getting rewarded for everyday purchases!

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we've invested in robust online and mobile banking features. You can check your balance, transfer funds, and pay bills anytime, anywhere all from your smartphone or computer. Plus, our ATM services ensure that cash withdrawal is always within reach.

Drive-Thru and ATM Services

If you're on the go, take advantage of our drive-thru banking for quick deposits and withdrawals without leaving your car. Our ATMs offer basic access for withdrawals and balance checks whenever you need it. At Associated School Employees, we pride ourselves on being more than just a credit union; we are part of your community and committed to supporting your financial journey. For more information about our services or to become a member today, call us at (330) 824-2542, or visit our website at Associated School Employees Credit Union. We look forward to serving you!

Home Financing

Thinking about buying a home? Our mortgage loans and refinancing options provide the support you need. We'll walk you through the process, helping you choose the best solution for your unique situation. If you're looking to consolidate debt or fund a personal project, our personal loans can give you the boost you need while keeping your budget intact.

Personal Banking

We understand that managing finances can be complex, which is why our personal banking services are designed for simplicity. Whether you're looking to open a checking or savings account, our team is here to help you find the right fit. For those in need of financing, we offer auto loans and vehicle financing options that make purchasing your next car stress-free. With competitive rates and flexible terms, driving away with a new vehicle can be a reality sooner than you think.

Digital & Online Banking

Key Services

Our 24/7 Online Banking Services make it easy for you to check your balance, transfer funds, and pay bills without stepping foot in a branch. You can also enjoy E-Statements Availability, allowing you to receive your financial statements electronically, saving paper and helping you stay organized. Need to send money quickly? Our Person-to-Person Transfers feature lets you send cash to friends or family with just a few taps on your mobile device. Plus, our Mobile Payments Feature means you can pay for purchases right from your phone no wallet needed! For those who prefer using apps, our Mobile Application Availability gives you access to all these features right at your fingertips. You can manage your accounts, make payments, and even authorize transactions using our Electronic Signature Authorization for added security.

Security and Accessibility

We prioritize your security while ensuring that our services are user-friendly. Our online platform is designed with cutting-edge security measures to protect your sensitive information. This means you can bank with peace of mind knowing that your data is safe. Whether you're checking balances or making transfers, you'll find our services easy to navigate. We believe that managing your finances should be simple and straightforward, which is why we're committed to providing you with the best digital banking experience. In conclusion, Associated School Employees is here to support all your banking needs with convenient digital solutions. Explore more about our offerings at https://www.asecu.com/ today!

Financial Strength

Growing Member Trust

Total Share Accounts: 22,476, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $6,004,266. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Associated School Employees is your trusted partner. Visit us at 2255 Salt Springs Rd Warren Oh 44481 or call (330) 824-2542 to learn more about how we can help you achieve your financial goals.

Member Savings and Investment Opportunities

Members' savings are secured through $42,217,041 in share certificates and $9,404,030 in money market shares, offering stable and rewarding financial growth opportunities. 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.

Operational Efficiency

Our commitment to operational efficiency is reflected in our impressive $618,068, which enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 30 full-time employees and 4 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvestment for Better Services

With $16,774,280 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 with $2,614 in used auto loans and $124,462,266 in total loans and leases.

Strong Financial Health

With a net worth of $18,806,093, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 10.05% 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 $46,214,541 in used vehicle loans and $35,698,261 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new model or a reliable used option, we have solutions that fit your budget and lifestyle.

Business Financing

For business owners looking to expand or manage cash flow, our offerings include outstanding commercial loans. While we currently do not have any outstanding commercial loans available, we are always exploring ways to support our local business community. At Associated School Employees located at 2255 Salt Springs Rd., Warren, OH 44481, we're committed to providing personalized service and financial education alongside our loan products. If you're ready to explore your options further or need assistance with the application process, please give us a call at 330-824-2542. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. For more information about becoming a member or applying for a loan, visit us online at asecu.com today!

Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $1,573,178 in loans helping members manage their finances effectively. This product is ideal for those who want quick access to funds without tying up their assets.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple and straightforward. We offer Junior Lien 1-4 Family Residential Properties loans totaling $928,997, ensuring that our members can find the right financing for their dream homes. Plus, if you're considering refinancing your existing mortgage, our team can guide you through the eligibility options available.

Loan Aggregator

Accurate 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 that all offers displayed are fair and transparent. Each listing reflects current rates and terms provided by trusted lenders, giving you peace of mind as you explore your options.

Benefits of Using LendMesh

- Verified Data: All loan offers are sourced from legitimate financial institutions, ensuring transparency in what you're viewing. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results so you can focus on what matters most: finding the right loan for your needs. - Real-Time Rate Comparisons: With up-to-date loan rates from multiple institutions, you have the information needed to make informed decisions without unnecessary delays. 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!" 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.*

ASSOCIATED SCHOOL EMPLOYEES CREDIT UNION - Warren, OH

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