Bradford Area Credit Union PA | Affordable Auto Loans & Business Banking

Introduction

Welcome to the Bradford Area Federal Credit Union, your trusted partner in financial well-being since 1960. Located at 52 Davis St, Bradford, PA 16701, we have proudly served our community for over six decades, helping 1,423 members achieve their financial goals. With total assets of $10,721,239 and deposits amounting to $1,189,849, we are committed to providing secure and reliable banking solutions tailored just for you. At Bradford Area Federal Credit Union, we believe in building strong relationships with our members. Our dedicated team of 3 employees, led by CEO Susanne Wilcox and Board President James Rice, is here to support you every step of the way. We offer a wide range of services including personal banking, auto loans, mortgages, and credit cards all designed with your needs in mind. While you can visit us directly at our branch for all your banking needs, any official correspondence should be sent to our mailing address: 52 Davis St, Ste 1, Bradford, PA 16701-2016. We pride ourselves on being more than just a credit union; we are part of this community. Our mission is to empower you financially while giving back through various local initiatives. Whether you're looking to save for a new home or finance a vehicle purchase with our competitive auto loans totaling 623, we're here to help make it happen. Ready to take the next step? Call us at 814-362-6779 during our lobby hours from Monday to Friday, 8:30 AM to 4:30 PM. We look forward to serving you! For more information about our services and offerings, visit us online at bradfordareafcu.org.

Branch History & Mission

Community Connection

Bradford Area Federal Credit Union is more than just a financial institution; it's a cornerstone of the Bradford community. We engage actively with local organizations and initiatives that promote well-being and development within our town. By partnering with various community outreach programs, we aim to make a positive impact on those around us. As we look toward the future, we continue to embrace digital advancements while maintaining the personal touch that our members cherish. With no ATM or drive-thru service currently available at our branch, we focus on enhancing in-branch experiences where our staff is always ready to assist. We invite you to join us at Bradford Area Federal Credit Union. Experience firsthand how we blend tradition with innovation in serving your financial needs while supporting our beloved community. Together, let's build a brighter future! For more information or assistance, call us at 814-362-6779 or visit our website at bradfordareafcu.org.

Our Mission

At Bradford Area Federal Credit Union, our mission is simple yet profound: we aim to provide quality financial services while fostering community support and growth. Our commitment goes beyond just banking; we strive to empower our members through education and resources that help them achieve their financial goals. Whether it's personal banking with checking and savings accounts or providing auto loans and mortgages, we focus on delivering services that meet the unique needs of our members. We take pride in being an inclusive institution that adheres to ADA compliance standards and prioritizes customer-centric initiatives. Our online banking services allow members to manage their finances conveniently from home. We also offer person-to-person payment options for easy transactions between friends and family.

Branch Location & Accessibility

Accessibility Features

We prioritize accessibility for all members. Our branch is ADA compliant and features ramps for easy entry. Plus, there's ample parking available right outside the building, so you can enjoy a hassle-free visit.

Connect With Us

Feel free to give us a call at 814-362-6779 if you have any questions or need assistance. We look forward to welcoming you into our community-focused credit union where your financial well-being is our top priority! Come visit us today!

Operating Hours

We invite you to drop by during our welcoming hours from Monday to Friday, from 8:30 AM to 4:30 PM. Our dedicated team is here to assist you with any questions or services you may need.

Services Offered

At Bradford Area Federal Credit Union, we offer a range of services designed to support your financial journey. From checking and savings accounts to vehicle financing and credit cards with rewards, we have something for everyone. Though we currently do not have ATM services or drive-thru banking at this location, our online and mobile banking options ensure that you can manage your finances anytime.

Member Eligibility

Becoming a member of Bradford Area is like joining a family that genuinely cares about your financial well-being. If you're looking to enjoy the benefits of personalized banking, it's simple to get started. Membership at Bradford Area is open to anyone who lives, works, worships, or attends school in the area, along with their family members. This means that whether you're a long-time resident or new to the community, you can take advantage of our supportive services. Joining us not only grants you access to a variety of financial products but also places you in a community where your needs matter. For more details on eligibility and to see if you qualify. And when you're ready to open an account, just give us a call at (814) 362-6779, or visit us at our friendly branch located at 52 Davis St Bradford Pa 16701. We look forward to welcoming you into our community!

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 today's fast-paced world, effective payment solutions are crucial for success. Our merchant services simplify transactions, allowing you to focus on what you do best running your business. Imagine quickly processing customer payments through our user-friendly systems while gaining insights into your sales trends. This not only enhances customer satisfaction but also helps you make informed decisions for future growth. Visit us at 52 Davis St Bradford Pa 16701 in Bradford, PA, or call us at (814) 362-6779 to learn more about how our business banking services can elevate your company's potential!

Comprehensive List Of Services

Convenient Access Anytime

In today's fast-paced world, convenience is key. That's why we provide robust Online & Mobile Banking options that let you manage your accounts anytime and anywhere. Although we currently do not have ATMs at our branch, our online services ensure you can still access your funds easily. If you have questions or need more information about any of our services, don't hesitate to reach out! You can call us at 814-362-6779 during lobby hours from Monday through Friday, 8:30 AM to 4:30 PM. We are here to help you take charge of your finances and achieve your goals. Explore how Bradford Area Federal Credit Union can serve your financial needs today! Visit us online at bradfordareafcu.org for more details on how we can assist you further.

Financing Your Dreams

If you're considering purchasing a new car or refinancing your home, our Auto Loans & Vehicle Financing options make it simple and straightforward. We provide competitive rates to help you get behind the wheel without breaking the bank. Additionally, our Mortgage Loans & Refinancing services are perfect for those looking to buy their first home or lower their monthly payments on an existing mortgage.

Personal Banking Solutions

We understand that managing finances can sometimes feel overwhelming. That's why we offer Personal Banking services, including checking and savings accounts tailored to fit various lifestyles. Our accounts come with features designed for ease and flexibility, allowing you to manage your money on-the-go through online banking. Imagine being able to check your balance or transfer funds right from your smartphone without visiting the branch!

Personal Loans When You Need Them

Life can throw unexpected expenses your way, and that's where our Personal Loans & Debt Consolidation services come into play. Whether you need funds for a family emergency or want to consolidate credit card debt into one manageable payment, we have solutions that work for you.

Rewards with Every Purchase

Don't forget about our Credit Cards with Rewards! Enjoy benefits like cashback or points on every purchase you make. It's an easy way to earn rewards just by using your card for everyday expenses.

Supporting Local Businesses

For our business members, we offer comprehensive Business Banking solutions including merchant services and business loans. We're proud to support local entrepreneurs in Bradford by providing the financial tools they need to thrive.

Digital & Online Banking

Key Services

With our online banking portal, you can access your account 24/7. This means checking balances, transferring funds, and paying bills can all be done in just a few clicks. You'll also have the option for e-statements, allowing you to view your financial statements electronically rather than waiting for them to arrive in the mail. This not only saves time but also helps reduce paper clutter. For those moments when you want to send money quickly, our person-to-person transfer feature makes it simple to send funds directly to friends or family without needing cash or checks. And while we currently don't support mobile payments or a dedicated mobile application, rest assured that our online banking service is fully optimized for use on your smartphone or tablet.

Security and Convenience

Your security is our priority. While we do not offer electronic signature authorization at this time, our online services are built with strong security measures to protect your personal information. We aim for ease of use while ensuring your data remains safe. By choosing Bradford Area, you gain access to real-time account management that fits into your lifestyle. No more waiting in lines or rushing during business hours; everything you need is just a click away. Explore how our digital banking services can enhance your financial journey today!

Financial Strength

At Bradford Area, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are committed to providing you with the best financial services while ensuring that your money is safe and sound. With a net worth of $1,505,378, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 14.04% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $1,273,948 in share certificates, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. While we have no non-member deposits to report, this means our resources are solely focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $1,259,233 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Our lending capacity supports your financial goals across various sectors with $2,746 in total auto loans. Our $0 net income reflects our operational efficiency as we work diligently to ensure that every dollar is used wisely for the benefit of our community. We also take pride in having 3 full-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Total Share Accounts stand at 1,709, showcasing a strong and growing member base that trusts us with their finances. Our commitment to your financial well-being drives everything we do. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Bradford Area is your trusted partner. Visit us at 52 Davis St Bradford PA 16701 or call 814-362-6779 to learn more about how we can help 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.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $2,079,984 in used vehicle loans and $1,968,588 in new vehicle loans already helping members get on the road. Whether you're looking for a brand-new model or a reliable used car, we have financing options that suit your budget.

Credit Lines

In addition to our other offerings, we provide access to credit lines totaling $250,000. This can be a great way to cover unexpected expenses or simply have funds available when you need them. For those considering refinancing or exploring eligibility options, we encourage you to reach out for personalized assistance. Our dedicated team is here to help guide you through the process and answer any questions you might have. If you're ready to take the next step toward financial freedom or have inquiries about our services, don't hesitate to contact us at 814-362-6779. We look forward to assisting you! 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 make buying or refinancing simple. While currently we do not have any Junior Lien 1-4 Family Residential Properties loans available, we are committed to providing our members with competitive mortgage solutions when they arise.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $79,763 in loans helping members manage their finances effectively. This option allows for greater flexibility in your spending while maintaining control over your budget.

Loan Aggregator

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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 users receive fair and transparent offers. By drawing from a diverse pool of legitimate lenders, LendMesh guarantees the accuracy of its loan comparisons.

BRADFORD AREA FEDERAL CREDIT UNION - Bradford, PA

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