Associated School Employees Credit Union Youngstown OH | Affordable Vehicle Loans & Top Personal Banking

Introduction

Welcome to Associated School Employees Credit Union, your trusted financial partner located at 1690 S Canfield Niles Rd, Youngstown, OH 44515. Established in 1958, we have proudly served our community for over six decades, providing reliable banking services tailored to meet the unique needs of our members. With a total membership of 14,022 and assets amounting to an impressive $187,069,358, we are committed to fostering financial growth and stability for our members. At Associated School Employees, we believe in making banking as accessible and straightforward as possible. Our dedicated team of 34 employees, led by our CEO Michael Kurish and Board President Frank Lazzeri, is here to ensure you receive top-notch service every time you visit. While you can reach us at our main branch for all your banking needs, please note that official correspondence should be sent to the same address: 1690 S. Canfield Niles Rd, Youngstown, OH 44515-4055. Our credit union offers a range of services designed to help you achieve your financial goals, whether you're looking for personal banking options like checking and savings accounts or loans for auto financing and home purchases. We understand that every member's needs are different; that's why we also provide business banking solutions including merchant services and business loans. With total deposits reaching $6,161,033 and a net worth of $18,806,093, you can trust that your finances are safe with us. We ensure transparency in our operations while providing competitive loan options having issued a total of 6,963 loans to date. And with cash readily available at $850,016, we're always prepared to support your financial journey. As part of our commitment to community engagement and member satisfaction, we invite you to visit us during our lobby hours from 8:30 AM to 5:00 PM on weekdays or call us at 330-792-4000 for any inquiries. Your financial well-being is our top priority at Associated School Employees Credit Union! Join us today and experience the difference of being part of a credit union that truly cares about its members. For more information on how you can become a member or apply for a loan, visit our website at asecu.com.

Branch History & Mission

Community Commitment

We take pride in being more than just a financial institution; we are a vital part of the Mahoning County community. Our commitment extends beyond banking services; we actively participate in local events and initiatives aimed at improving lives around us. Whether it's through financial literacy programs or sponsorships of school events, we strive to make a positive impact. As technology advances, so do we! We have embraced digital solutions while ensuring ADA compliance for all members. With services like online banking, mobile payments, and electronic signatures available at your fingertips, managing your finances has never been easier.

Join Us

As we look towards the future, we invite you to join us on this journey. Experience firsthand the benefits of membership at Associated School Employees Credit Union where your financial goals become our priority. Visit us today or call us at 330-792-4000 during our operating hours from 8:30 AM to 5:00 PM on weekdays. Together, let's build a brighter future for you and your family!

Our Mission

At Associated School Employees Credit Union, our mission is simple yet profound: to enhance the lives of our members by providing high-quality financial services that foster economic stability and growth. We believe in creating an inclusive environment where everyone can thrive. This mission drives us to engage in community outreach efforts and form partnerships that benefit local schools and families. While members can visit us at 1690 S Canfield Niles Rd, official correspondence should be sent to 1690 S. Canfield Niles Rd, Youngstown, OH 44515-4055 if you need to reach out via mail.

Branch Location & Accessibility

Contact Us

Have questions or need assistance? Feel free to give us a call at 330-792-4000. Our dedicated staff is eager to help you navigate your financial journey. While members can visit us at our Youngstown location, official correspondence should be sent to our mailing address: 1690 S. Canfield Niles Rd, Youngstown, OH 44515-4055. We invite you to stop by the Associated School Employees Credit Union today! Let us help you achieve your financial goals with ease and confidence.

Convenient Access and Nearby Landmarks

Our location is just a stone's throw away from local landmarks, ensuring that you can find us without any hassle. If you're in the area, we're close to several popular spots, making your visit quick and easy. We take pride in providing ample parking spaces, so you won't have to worry about finding a spot when you arrive. Plus, our facility is designed with accessibility in mind, featuring ADA-compliant entrances and ramps to ensure everyone can visit us comfortably.

Operating Hours and Services

We're open Monday through Friday from 8:30 AM to 5:00 PM, allowing you plenty of time during the week to come see us. At our branch, we offer a variety of services that cater to your banking needs from checking and savings accounts to auto loans and credit cards with rewards. Additionally, our drive-thru service makes it easy for those on-the-go; simply pull up and complete transactions without leaving your vehicle.

Member Eligibility

Joining the Associated School Employees community means becoming part of a supportive network that truly cares about your financial well-being. To become a member of Associated School Employees, you simply need to meet a few friendly eligibility criteria. If you work in education, are a family member of someone who does, or even if you're an associated organization, you're likely eligible to join us. We believe that everyone deserves access to quality financial services, and our membership is designed to be inclusive and welcoming. For the most current and detailed eligibility information, feel free to check out this link. Opening an account with us is straightforward and hassle-free. You can start your journey toward membership by visiting our website at this page, or give us a call at (330) 792-4000 if you have any questions. We're here to help you every step of the way as you take this important step toward financial empowerment! Remember, at Associated School Employees, you're not just a number; you're part of a community that values you. Our branch is located at 1690 S Canfield Niles Rd Youngstown Oh 44515, and we look forward to welcoming you soon!

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

In addition to loans, our merchant services simplify payment processing so you can focus on what matters most growing your business. Imagine easily accepting payments from customers via credit cards or mobile wallets without any hassle. This convenience not only enhances customer satisfaction but also boosts sales potential. At Associated School Employees, we are dedicated to empowering local businesses with the tools and resources they need to succeed. Visit us at 1690 S Canfield Niles Rd Youngstown Oh 44515 or call us at (330) 792-4000 to explore how we can partner together for your financial success!

Comprehensive List Of Services

ATM & Drive-Thru Services

Need cash quickly? Our ATMs provide easy access for withdrawals and balance checks. Plus, our drive-thru banking offers a simple way to handle deposits, withdrawals, and other transactions without having to step inside. At Associated School Employees, we strive to make banking simple and convenient for everyone in our community. If you're ready to take advantage of these fantastic services or have questions about how they can benefit you personally, don't hesitate to reach out! Call us at (330) 792-4000 or visit us during our lobby hours from 8:30 AM to 5:00 PM on weekdays. Join us today at Associated School Employees Credit Union your trusted partner in financial success!

Business Banking

For our business members, we offer comprehensive business banking services, including merchant services and business loans. We know how important it is to support local businesses and help them thrive in the community.

Credit Cards

Enjoy rewards while managing your spending with our credit cards with rewards program. This service allows you to earn points on everyday purchases, which can be redeemed for travel, cash back, or other exciting perks.

Home Loans and Refinancing

If you're dreaming of homeownership or looking to refinance your current mortgage, our mortgage loans and refinancing services are here for you. We work with our members every step of the way, ensuring that the process is straightforward and tailored to your needs.

Online & Mobile Banking

In today's fast-paced world, convenience matters. That's why online and mobile banking features are available at your fingertips. You can easily manage accounts, transfer funds, pay bills, and even access ATM services from anywhere at any time.

Personal Banking

Our personal banking services are designed to make everyday banking easy and accessible. Whether you're looking for a checking account to manage your daily expenses or a savings account to help grow your funds, we've got you covered. We understand that life can be unpredictable, so we also offer auto loans and vehicle financing options to help you get on the road without breaking the bank.

Personal Loans

Life can throw unexpected expenses your way, and that's where our personal loans and debt consolidation options come into play. Whether it's for medical bills, home improvements, or other personal needs, we provide flexible solutions that fit within your budget.

Digital & Online Banking

Convenient Online Services

With our online banking platform available at https://www.asecu.com/, you can access your accounts 24/7. Whether it's checking your balance, transferring funds, or paying bills, everything is just a few clicks away. You'll appreciate the convenience of real-time account management right from your computer or mobile device.

Eco-Friendly E-Statements

Say goodbye to paper clutter with our e-statements! Available through our online banking service, e-statements let you view and download your account statements anytime, anywhere helping you stay organized while also being kind to the environment. At Associated School Employees, we're committed to providing accessible and user-friendly digital banking solutions that fit seamlessly into your lifestyle. Experience the ease of managing your finances online and on-the-go today!

Enhanced Security Features

Your security is a top priority for us. With electronic signature authorization available, you can handle important transactions confidently knowing that your information is protected. Our system ensures that every interaction is secure, giving you peace of mind while you manage your finances.

Mobile Banking Made Easy

On the go? No problem! Our mobile application brings all the power of our online banking services right to your fingertips. Plus, with features like mobile payments, you can make purchases quickly and securely without needing cash or cards. You can even send money to friends and family with our person-to-person transfer option, making it easier than ever to share expenses or split bills.

Financial Strength

A Growing Community

Total Share and Deposit 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 1690 S Canfield Niles Rd Youngstown Oh 44515 or call (330) 792-4000 to learn more about how we can help you achieve your financial goals.

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 lending capacity supports members' financial goals across various sectors, with $2,614 in used auto loans and $124,462,266 in total loans and leases. Our $618,068 reflects our operational efficiency, enabling 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.

Secure Savings Options

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 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 car, our competitive rates make it easier than ever to drive away happy.

Credit Lines and Personal Loans

In addition to auto and mortgage loans, we also offer personal loans and credit lines designed to meet various financial needs. With a total of $42,156,167 available in credit lines, you can access funds for unexpected expenses or planned projects without hassle. Our unsecured credit card loans amounting to $1,573,178 help members manage their finances effectively while enjoying flexible repayment options. With our diverse loan offerings at our branch located at 1690 S Canfield Niles Rd, Youngstown, OH 44515, we're committed to helping you find the right solution for your financial journey. For any questions or assistance regarding eligibility options and refinancing possibilities, feel free to reach out to us at 330-792-4000 during our operating hours from 8:30 am to 5:00 pm. For more information about our services or to start an application online today, visit us at asecu.com. 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 you with flexible terms and personalized service throughout the process. If you're considering refinancing your current mortgage for better terms or lower payments, we can help guide you through that process as well.

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ASSOCIATED SCHOOL EMPLOYEES CREDIT UNION - Youngstown, OH

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