Auburn Community Credit Union Auburn NY | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Auburn Community, your trusted financial partner since 1936. Located at 101 Prospect St, Auburn, NY 13021, we have proudly served our community for many years, providing a range of services tailored to meet the needs of our members. With a strong commitment to fostering financial well-being, we currently support over 7,742 members and manage total assets of $116,766,080. At Auburn Community, we believe in building lasting relationships with our members. Our dedicated team of 25 employees, led by CEO Saverio (Sam) Scro and Board President Kathryn Johnson, is here to ensure you receive personalized service every time you visit. Whether you're looking for checking and savings accounts or need assistance with auto loans and mortgages, we're ready to help you achieve your financial goals. While members can visit us at our branch location, official correspondence should be sent to PO BOX 867, AUBURN, NY 13021 if necessary. We take pride in our ability to offer competitive rates on loans currently totaling 2,794 across various categories and exceptional deposit services amounting to $4,623,276. Our philosophy centers on community impact. We strive not only to provide excellent financial services but also to give back to the communities we serve. Our cash reserves are healthy at $1,870,159, ensuring that we can continue supporting our members' needs effectively. Ready to take the next step in your financial journey? Give us a call at 315-253-2934 or visit our website at auburnfcu.com. Let us help you unlock your potential today!

Branch History & Mission

Join Us Today!

With operating hours designed around your schedule Monday through Friday from 8:30 AM to 5:00 PM (with extended hours on Tuesdays) we are here whenever you need us. If you're looking for a financial partner who genuinely cares about your success and well-being, look no further than Auburn Community. We invite you to explore membership with us and experience the advantages of being part of a credit union that prioritizes people over profit. For more information on how to join or to learn more about what we offer, please visit our website or call us at 315-253-2934 today!

Our Evolution

From our humble beginnings, Auburn Community has evolved into a trusted financial partner for many families and businesses in Cayuga County. We understand that every member has unique financial needs, and we have continually adapted our services to meet those demands. Our offerings have expanded from basic savings accounts to a full suite of personal banking services, auto loans, mortgages, credit cards with rewards, and business banking options. Our commitment goes beyond just numbers. We strive to create a welcoming atmosphere where every member feels valued and supported. Whether you visit us in person or utilize our online banking services from the comfort of your home, our goal remains the same: to empower you with the tools you need to achieve your financial dreams.

Our Mission

At Auburn Community, our mission is simple yet profound: to provide exceptional financial services while fostering community support. We believe that when our members thrive, our entire community flourishes. This belief drives us to participate actively in local events and outreach programs, ensuring that we give back as much as we receive. We are proud of our modern advancements such as electronic signature authentication and mobile payment options that make banking easier for everyone. Moreover, we ensure that all our facilities are ADA compliant so that everyone can access our services without barriers. While members can visit us at 101 Prospect St, official correspondence should be sent to PO BOX 867, AUBURN, NY 13021 if needed. Our branch features a drive-thru service for added convenience and an ATM for quick access to your funds.

Branch Location & Accessibility

Welcome to the Auburn Community Credit Union, located at 101 Prospect St in beautiful Auburn, NY! Our branch is designed with your convenience in mind, making it easy for you to access a range of financial services right in the heart of Cayuga County. Whether you're stopping by to open an account or need assistance with a loan, our friendly staff is here to help. As you visit us, you'll find that our branch is conveniently situated near local landmarks, making it easy to fit into your day. Plus, we offer ample parking and ensure our facilities are accessible for everyone, including those who may require ADA features such as ramps. We're here to serve you during our lobby hours: Monday from 8:30 AM to 5:00 PM, Tuesday from 9:15 AM to 5:00 PM, and Wednesday through Friday from 8:30 AM to 5:00 PM. If you're ever in a hurry, take advantage of our drive-thru banking services for quick transactions without leaving your vehicle. We also have an ATM on-site for your cash withdrawal needs. While members can visit us at 101 Prospect St, official correspondence should be sent to PO BOX 867, Auburn, NY 13021. Have questions or need assistance? Don't hesitate to give us a call at 315-253-2934. We look forward to welcoming you to the Auburn Community Credit Union soon!

Member Eligibility

At Auburn Community, we believe that joining our community is more than just opening an account; it's about becoming part of a supportive family that values your financial well-being. If you're wondering how to become a member, it's simple! Anyone who lives, works, worships, or attends school in the Cayuga County area can join us. This inclusive approach ensures that everyone has access to the benefits we offer, such as personalized service and competitive rates on loans and savings. For those interested in learning more about the specific eligibility criteria, feel free to visit our detailed resource at http://www.auburnfcu.com/about-auburn-community-federal-credit-union/membership/ . Opening an account with us is straightforward and designed for your convenience. Whether you're looking for a new checking account, savings options, or loans tailored to your needs, you can start the process online by visiting https://gbs.onlinecu.com/auburnfcu/#/sign-up . If you have any questions or need assistance along the way, don't hesitate to reach out at (315) 253-2934. We're here to help you every step of the way as you take this exciting step toward financial empowerment!

Business Banking & Commercial Services

Business Loans that Empower Growth

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 for Everyday Needs

Imagine being able to accept payments quickly and securely while managing your cash flow efficiently. Our merchant services make it easy for you to process transactions, whether you're at a storefront or on the go. With tools that help you track sales and manage expenses, you can focus on what truly matters growing your business! Visit us at 101 Prospect St Auburn Ny 13021 in Auburn, NY or call us at (315) 253-2934 to learn more about how our business banking and commercial services can help your business thrive!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need cash quickly? With our ATM & Cash Withdrawal Services, accessing your funds is easy and hassle-free. You can withdraw cash or check balances at any time without stepping into the branch.

Auto Loans & Vehicle Financing

Dreaming of a new car? Our Auto Loans & Vehicle Financing options provide competitive rates and flexible terms to help you drive away in the vehicle of your choice. Imagine cruising down the road in a reliable car, all made possible with financing from us.

Business Banking

For our business members, we offer comprehensive Business Banking solutions including merchant services and business loans. Whether you're starting a new venture or expanding an existing one, we are here to support your business goals.

Credit Cards with Rewards

Don't forget about our Credit Cards with Rewards! These cards not only provide convenience but also give you points for purchases that can be redeemed for exciting rewards. It's a smart way to earn while you spend.

Drive-Thru and Basic ATM Access

For quick transactions, utilize our basic drive-thru banking for deposits and withdrawals. We also offer basic ATM access for balance checks and withdrawals perfect for those on-the-go moments. We invite you to explore all that Auburn Community has to offer at Branch - 101 Prospect St. If you're ready to start benefiting from our services or have questions about what we provide, don't hesitate to reach out! Give us a call at (315) 253-2934, or visit us during our operating hours: Monday 8:30 AM - 5:00 PM, Tuesday 9:15 AM - 5:00 PM, Wednesday through Friday 8:30 AM - 5:00 PM. We're excited to serve you!

Mortgage Loans & Refinancing

If home ownership is on your mind, consider our Mortgage Loans & Refinancing services. We can guide you through the process, whether you're buying your first home or looking to refinance an existing mortgage to take advantage of lower rates.

Online & Mobile Banking

In today's fast-paced world, convenience is key. Our Online & Mobile Banking services allow you to manage your accounts anytime, anywhere. From checking balances to transferring funds, everything is just a click away.

Personal Banking Solutions

We understand that every member has different banking needs. That's why we offer Personal Banking services including checking and savings accounts that help you manage your money effectively. Our accounts are designed with features that fit your lifestyle, making it easier for you to save for future goals or everyday expenses.

Personal Loans & Debt Consolidation

For those unexpected expenses or when you need a little extra cash, our Personal Loans & Debt Consolidation options are here for you. You can consolidate high-interest debts into one manageable monthly payment, making it easier to get back on track financially.

Digital & Online Banking

Key Features

We also provide electronic signature authorization, allowing you to complete transactions safely and conveniently from the comfort of your home. No more waiting in line; just sign digitally and go! Plus, our e-statements feature means you can access your statements online at any time. This not only helps reduce paper clutter but also makes it simpler to track your spending. If you're on the move, our mobile application is perfect for banking on the go. You can manage your accounts right from your smartphone, with features like mobile payments that let you make purchases quickly and securely. And for those times when you need to send money to friends or family, our person-to-person transfer option makes it easy to share funds instantly.

Security and Accessibility

At Auburn Community, security is a top priority. We employ robust measures to protect your personal information while providing user-friendly tools that enhance your banking experience. Whether you prefer using a computer or a mobile device, our platforms are designed for ease of use, ensuring you can access what you need without confusion. In short, our digital and online banking services are tailored to meet your needs. With features that promote accessibility and real-time account management, managing your finances has never been easier! Join us today at Auburn Community and experience banking made simple!

Financial Strength

A Growing Membership Base

Total Share and Deposit Accounts stand at 14,257, showing a strong and growing member base that trusts us with their finances. This growth reflects the confidence our community has in Auburn Community as a reliable partner for their financial needs. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Auburn Community is your trusted partner. Visit us at 101 Prospect St Auburn NY 13021 or call 315-253-2934 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings Options

Members' savings are secured through $573,140 in share certificates and $17,392,497 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 $0 net income reflects our operational efficiency during this period but underscores our commitment to maintaining low costs for our members. We also take pride in having 22 full-time employees and 3 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team.

Reinvestment for Growth

With $13,632,491 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 $33,453,802 in total loans and leases.

Solid Financial Health

With a net worth of $13,632,491, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 1168 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 $8,802,649 in used vehicle loans and $7,776,055 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 flexible options are designed to fit your budget.

Credit Lines

For those who prefer having extra funds available for emergencies or planned expenses, we provide credit lines totaling $4,658,600. This option allows you to borrow as needed while only paying interest on what you use. If you're considering refinancing any existing loans or want to learn more about eligibility options for our products, please don't hesitate to reach out. Our dedicated team at Auburn Community, located at 101 Prospect St Auburn NY 13021, is here to assist you every step of the way. For more information or to discuss your loan options further, contact us at (315) 253-2934. We look forward to helping you achieve your financial goals! 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 $3,478,739, make buying or refinancing simple. We offer various terms and competitive rates to ensure you find the right fit for your family's needs.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $930,123 in loans helping members manage their finances effectively. These cards provide an excellent way to handle unexpected expenses while enjoying rewards on your purchases.

Loan Aggregator

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AUBURN COMMUNITY FEDERAL CREDIT UNION - Auburn, NY