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

Introduction

Welcome to Associated School Employees Credit Union, where we prioritize your financial well-being and community connection. Located at 85 Marwood Cir, Youngstown, OH 44512, we have been serving our members since 1958. Our commitment to providing personalized financial services has fostered a strong membership base of over 14,000 individuals who trust us for their banking needs. At Associated School Employees Credit Union, we pride ourselves on our robust financial health, boasting total assets of $187,069,358 and total deposits reaching $6,161,033. With a solid net worth of $18,806,093, our organization is well-equipped to support you in achieving your financial goals whether that's securing a loan or saving for the future. Our dedicated team of 34 employees, led by CEO Michael Kurish and Board President Frank Lazzeri, works tirelessly to ensure you receive the best service possible. We offer a range of products including personal banking, auto loans, mortgages, and business banking services tailored to fit your lifestyle. While you can visit us at our branch location for all your banking needs, official correspondence should be directed to our mailing address: 85 Marwood Circle, Youngstown, OH 44512-6260. With a strong focus on community impact and member satisfaction, we invite you to join our credit union family. Whether you're looking for new financial opportunities or simply need assistance with your accounts, we're here for you. Feel free to call us at 330-792-4000 or explore more about our offerings on our website at asecu.com. Your financial journey starts here!

Branch History & Mission

Welcome to the Associated School Employees Credit Union, a cornerstone of financial support and community engagement in Youngstown, OH. Since opening our doors in 1958, we have proudly served our members with dedication and a commitment to their financial well-being. Our branch is located at 85 Marwood Cir, Youngstown, OH 44512, a welcoming place where both personal and professional growth can flourish. Over the decades, we have grown from humble beginnings into a trusted financial partner for over 14,000 members. With total assets reaching an impressive $187,069,358, we have established ourselves as a stable institution that prioritizes the needs of our community. We are not just about numbers; we are about people our members who trust us with their financial future. Our mission is clear: to provide exceptional financial services while fostering community spirit and support. We understand that banking goes beyond transactions; it's about building relationships. That's why we offer a range of services designed to cater to every aspect of our members' lives from checking and savings accounts to auto loans, mortgages, and personal loans. In addition to traditional banking services, we embrace technology to enhance your experience. Our digital offerings include online banking and mobile applications that make managing your finances easier than ever before. Whether you're using our ATM or taking advantage of our convenient drive-thru banking, we ensure that your access to financial services is seamless and efficient. At Associated School Employees Credit Union, we believe in giving back. Through various partnerships and outreach initiatives, we strive to make a positive impact on our community. We work hard to support local schools and educational programs because we know that investing in education leads to stronger futures for everyone. If you need assistance or have questions about joining our credit union family, don't hesitate to reach out! You can contact us at 330-792-4000 during our operating hours from 8:30 AM - 5:00 PM, Monday through Friday. For official correspondence, please send mail to 85 Marwood Circle, Youngstown, OH 44512-6260. Join us today at Associated School Employees Credit Union and discover the benefits of being part of a member-focused organization dedicated to making a difference in your life! Together, let's build a brighter financial future. Visit us online at asecu.com for more information on how you can become a member.

Branch Location & Accessibility

Accessibility Features

At Associated School Employees Credit Union, we believe banking should be accessible for everyone. Our location is fully compliant with ADA standards, featuring ramps and ample parking options for your convenience. Whether you prefer to walk in or drive-thru, we have you covered with easy access points that cater to all members of our community.

Operating Hours

We understand that life can get busy! That's why we offer convenient operating hours from 8:30 am to 5:00 pm, Monday through Friday. Our team is here during these hours to assist you with a variety of services including checking and savings accounts, auto loans, mortgage refinancing, and more.

Services Offered

In addition to personal banking services like deposits and withdrawals, we also provide access to an ATM on-site for quick cash needs. If you're in a hurry or just prefer not to leave your vehicle, take advantage of our drive-thru service for simple transactions. We're dedicated to making your banking experience as smooth as possible. If you have any questions or need assistance, feel free to call us at 330-792-4000. We look forward to welcoming you into our branch! Come visit us today and discover how we can support your financial journey together.

Member Eligibility

At Associated School Employees, we believe that everyone deserves a chance to be part of a caring community. Becoming a member is simple and welcoming! If you live, work, or attend school in our local area, you're likely eligible to join us. We prioritize inclusivity and aim to provide financial services that support your needs. Plus, as a member of Associated School Employees, you gain access to personalized banking solutions designed just for you, including competitive rates on loans and savings accounts. For the most accurate and detailed eligibility criteria, feel free to check out our dedicated page at http://asecu.com/become-a-member. Ready to take the next step? Opening an account with us is an easy process that can be done online. If you have any questions or need assistance, don't hesitate to reach out at (330) 792-4000. Join us today at 85 Marwood Cir Youngstown Oh 44512 and experience the benefits of being part of the Associated School Employees family!

Business Banking & Commercial Services

Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. While we currently have no member or non-member commercial loans available, we are focused on creating future opportunities for local businesses.

Merchant Services

Imagine being able to accept payments from customers easily, whether they pay by card or mobile wallet. Our merchant services can simplify your payment processes, allowing you to focus more on what you do best running your business. With easy access to funds and seamless transactions, your business can thrive without the hassle of complicated payment systems. At Associated School Employees, we're here to empower your business journey. Visit us today or call us at (330) 792-4000 to learn how we can assist you in reaching your goals!

Comprehensive List Of Services

ATM and Drive-Thru Services

Need cash quickly? Our ATM & Cash Withdrawal Services, along with basic drive-thru banking for deposits and withdrawals, ensure that accessing your money is hassle-free. With ATMs available for balance checks and withdrawals, getting cash has never been easier. At Associated School Employees, we pride ourselves on being more than just a bank; we're part of your community. Whether you're visiting us in person or accessing our services online at Associated School Employees Credit Union, our team is always ready to assist you with warmth and expertise. If you're ready to explore how our services can benefit you further or if you have any questions about membership eligibility at Become a Member, please don't hesitate to reach out at (330) 792-4000. We look forward to serving you!

Auto Loans and Vehicle Financing

Dreaming of a new car? Our Auto Loans & Vehicle Financing options make purchasing or refinancing your vehicle simple and affordable. With competitive rates and flexible terms, we help members drive away in their dream cars without breaking the bank.

Business Banking Solutions

For our business members, we offer tailored Business Banking services including merchant services and business loans. We understand that running a business comes with unique challenges, so we're committed to providing resources that can help your business thrive.

Credit Cards with Rewards

Our Credit Cards with Rewards program offers members the chance to earn points on everyday purchases. This means that every time you swipe your card, you're one step closer to redeeming rewards for travel, merchandise, or cash back.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we offer comprehensive Online & Mobile Banking services. You can manage your accounts from anywhere using our user-friendly mobile app or website. From checking balances to making transfers or paying bills, everything is just a few clicks away.

Mortgage Loans

Looking to buy a home? Our Mortgage Loans & Refinancing services provide you with the support you need to navigate the housing market. Whether it's your first home or you're looking to refinance an existing mortgage for better rates, we are here to guide you every step of the way.

Personal Banking Services

For those looking to manage their daily finances, we offer Personal Banking solutions that include checking and savings accounts. Whether you're saving for a vacation or managing monthly expenses, our accounts come with benefits designed to help you grow your funds. Imagine having an account where you can easily track your spending while earning interest on your savings!

Personal Loans

Life is full of surprises, and sometimes you might need a little extra cash. Our Personal Loans & Debt Consolidation options allow you to consolidate debt or cover unexpected expenses, giving you peace of mind during those challenging times.

Digital & Online Banking

At Associated School Employees, we understand that convenience and security are vital in today's fast-paced world. That's why we've created a suite of digital and online banking services designed to make managing your finances easier than ever. With 24/7 online banking services available, you can access your accounts anytime and anywhere, giving you the freedom to stay on top of your finances. Our online banking platform, accessible at https://www.asecu.com/, offers a user-friendly experience that allows you to check balances, transfer funds, and pay bills with just a few clicks. You can also take advantage of our electronic signature authorization feature, which makes signing documents easy and secure no need for paper or ink! For those who prefer going paperless, we provide e-statements that keep your account information organized and accessible whenever you need it. Plus, with our mobile application, you can manage your accounts right from your smartphone perfect for busy lifestyles. Enjoy the convenience of mobile payments to make purchases effortlessly and securely. Need to send money to a friend or family member? Our person-to-person transfer service allows you to do just that without any hassle. Whether you're splitting a bill or sending a gift, it's quick and straightforward. At Associated School Employees, we prioritize your security while ensuring that our services remain easy to use. Experience the peace of mind that comes with real-time account management and advanced security features. Join us today and discover how our digital banking solutions can simplify your financial life!

Financial Strength

Commitment to Growth

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 commitment to lending is reflected in our portfolio with $2,614 in used auto loans and $124,462,266 in total loans and leases, supporting members' financial goals across various sectors. Our operational efficiency is highlighted by our $1,018,638, which enables us to continue offering competitive loan rates and solid financial products for our members. Additionally, we take pride in having 30 full-time employees and 4 part-time employees who are always ready to assist you with a knowledgeable, committed team.

Growing Member Base

We currently have a strong member base with 22,476 total share accounts that trust us with their finances. This reflects our dedication to serving you effectively while promoting community growth. 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 85 Marwood Cir Youngstown Oh 44512 or call (330) 792-4000 to learn more about how we can help you achieve your financial goals.

Secure Savings 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.

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 $1,005 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 vehicle, we have options that suit your budget.

Credit Lines

In addition to these offerings, we also provide credit lines totaling $42,156,167, giving you the flexibility to borrow as needed without the hassle of applying for multiple loans. If you're considering refinancing or exploring eligibility options for any of our products, please don't hesitate to ask. We're here to help you navigate through the choices available to you. For more information about our loan offerings and how they can benefit you, visit us online at asecu.com or give us a call at 330-792-4000. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $928,997, make buying or refinancing simple. We aim to provide clear pathways toward securing a home without overwhelming you with complicated processes.

Unsecured Credit Card Loans

Managing everyday expenses is easier with our flexible unsecured credit card loans. With a total of $1,573,178 in loans helping members manage their finances effectively, our credit cards come with rewards and benefits designed to enhance your spending experience while keeping costs manageable.

Loan Aggregator

Benefits of Using LendMesh

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How LendMesh Ensures 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 approach guarantees that the information users receive is accurate and fair. Each loan offer is meticulously vetted to ensure it comes from legitimate financial institutions.