Bridgeton Onized Credit Union Bridgeton NJ | Affordable Auto Loans & Business Banking

Introduction

Welcome to Bridgeton Onized, your trusted financial partner located at 524 N Pearl St, Bridgeton, NJ 08302. Established in 1939, we have proudly served our community for over eight decades, building strong relationships and helping our members achieve their financial goals. With a total membership of 7,277 and assets exceeding $46 million, we are dedicated to providing personalized banking solutions tailored to your needs. At Bridgeton Onized, we understand that each member has unique financial aspirations. That's why we offer a range of services, including personal banking options like checking and savings accounts, auto loans, mortgages, credit cards with rewards, and business banking solutions. Our commitment to excellence is reflected in our impressive financial standing: we hold $2,509,527 in deposits and maintain a net worth of $3,952,865, ensuring stability and security for our members. Led by our passionate CEO Tamara Ciccioli and Board President Charles Cristello, our team of 18 dedicated employees is here to assist you every step of the way. While you can visit us at our branch location for face-to-face support and services including basic drive-thru banking we also provide convenient online and mobile banking options for those who prefer managing their finances from home. We are proud of our roots in the Bridgeton community and remain committed to making a positive impact. If you're looking for a credit union that prioritizes your financial wellbeing while offering reliable service and expert guidance, look no further than Bridgeton Onized. If you have any questions or would like to learn more about how we can help you on your financial journey, please don't hesitate to reach out! Give us a call at 856-692-4000 or visit our website at www.bofcu.com. We're here to help!

Branch History & Mission

Welcome to the Bridgeton Onized, a cornerstone of financial service in Bridgeton, NJ. Since our establishment in 1939, we have been dedicated to providing our members with exceptional banking services while fostering a strong sense of community. Over the decades, we have grown alongside our members, now proudly serving a total membership of 7,277 individuals and families. Located at 524 N Pearl St, Bridgeton, NJ 08302, our branch is easily accessible and situated near local landmarks that highlight the vibrant spirit of our city. While members can visit us at this address for their banking needs, official correspondence should be sent to the same location. Our mission is simple yet powerful: to empower our members by providing personalized financial solutions that enhance their lives. We understand that banking is not just about numbers; it's about people. That's why we offer a wide range of services including checking and savings accounts, auto loans, mortgage refinancing, personal loans, credit cards with rewards, and business banking options. In addition to traditional services, we embrace technology to ensure convenience for all members. With features such as online banking and mobile payments, managing finances has never been easier. We also prioritize accessibility; our drive-thru service allows for quick transactions while maintaining a welcoming atmosphere in our lobby. Community support is at the heart of what we do. Through partnerships and outreach programs, we actively engage in initiatives that uplift our neighborhood and create opportunities for everyone. Our commitment goes beyond financial services; it extends into being a reliable partner in our community's growth and well-being. As part of a larger network headquartered in Cedarville, NJ, we are proud to report total assets amounting to $46,401,156. This solid foundation enables us to continue offering competitive rates and innovative solutions tailored to meet the needs of our diverse membership base. With operating hours designed for your convenience Monday through Thursday from 9 AM to 5 PM, Tuesday from 10 AM to 5 PM, Friday from 9 AM to 7 PM, and Saturday from 9 AM to 12 PM we strive to make your banking experience as seamless as possible. Join us today at Bridgeton Onized! Experience firsthand how we can help you achieve your financial goals while being an integral part of a thriving community. For more information or assistance, don't hesitate to reach out at (856) 692-4000. Together, let's build a brighter financial future!

Branch Location & Accessibility

Accessibility and Features

At Bridgeton Onized, we understand the importance of accessibility. Our branch is designed with everyone in mind, featuring ADA-compliant ramps and ample parking space right outside for your convenience. Whether you're stopping by for a quick transaction or need assistance with more complex banking needs, our friendly staff is here to help!

Drive-Thru Banking

For those who prefer to bank without leaving their car, we offer convenient drive-thru banking services. You can easily handle deposits, withdrawals, and simple transactions without stepping inside the branch. Whether you're looking for personal banking services like checking accounts or loans or need help with business banking solutions, we're here for you every step of the way. Come visit us at Bridgeton Onized today! We look forward to welcoming you into our community-focused credit union.

Operating Hours

We know life can get busy, so we've tailored our hours to fit your schedule. Our lobby is open Monday, Wednesday, and Thursday from 9 AM to 5 PM, Tuesday from 10 AM to 5 PM, and Friday from 9 AM to 7 PM. On Saturdays, we're here for you from 9 AM to noon. Need assistance after hours? Just give us a call at 856-692-4000 during business hours.

Member Eligibility

At Bridgeton Onized, we're excited to welcome you into our close-knit community where everyone's financial goals matter. Becoming a member is simple and open to individuals who live, work, worship, or attend school in the Bridgeton area. This means if you have connections to our vibrant community, you're likely eligible! Joining us not only grants you access to a range of personalized financial services but also allows you to participate in a supportive environment focused on your needs. For a detailed look at eligibility requirements, feel free to check out our eligibility page. Opening an account is just as easy! You can get started by visiting our account opening page or simply give us a call at (856) 692-4000. Our friendly team at 524 N Pearl St Bridgeton Nj 08302 is here to help you every step of the way. We can't wait for you to experience the benefits of being part of Bridgeton Onized!

Business Banking & Commercial Services

Merchant Services That Work for You

In addition to loans, we offer merchant services that simplify your daily operations. Picture this: your customers can pay easily using various methods, while you manage transactions effortlessly through our user-friendly platforms. This means more time for you to focus on what truly matters growing your business! Ready to take your business to the next level? Visit us at 524 N Pearl St Bridgeton Nj 08302 in Bridgeton, NJ or call us at (856) 692-4000 to learn more about how our business banking and commercial services can empower your success!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. While we currently do not have outstanding commercial loans, we are dedicated to helping you find the financial resources you need when the time is right. Imagine having access to capital that allows you to invest in new equipment or hire additional staff. Our business loans can help turn those dreams into reality, giving you the boost needed to thrive in today's competitive market.

Comprehensive List Of Services

Business Banking Services

For our business members, we offer essential banking services like merchant services and business loans that help your company grow. Whether you're just starting out or looking to expand, we have financial tools to support your journey.

Convenient Digital Banking Features

We understand that convenience is key in today's fast-paced world. That's why we offer robust online and mobile banking options, allowing you to manage your accounts on-the-go. With features like mobile payments, electronic signatures, and person-to-person transfers, handling your finances has never been easier.

Drive-Thru & ATM Services

Although we do not have ATMs on-site, our drive-thru banking service allows for quick deposits and withdrawals without leaving your car. This basic service is perfect for those who appreciate efficiency.

Get in Touch

If you have any questions about our offerings or need assistance choosing the right service for you, don't hesitate to reach out! Call us at 856-692-4000 during our operating hours: Monday, Wednesday, Thursday from 9 AM - 5 PM; Tuesday from 10 AM - 5 PM; Friday from 9 AM - 7 PM; and Saturday from 9 AM - 12 PM. At Bridgeton Onized, we're here to help you navigate your financial journey with ease. Explore all that we have to offer by visiting us or checking out our website at www.bofcu.com. We look forward to serving you!

Personal Banking Solutions

Our personal banking options are tailored to help you manage your finances effectively. You can choose from various checking and savings accounts that fit your lifestyle. If you're in the market for a new vehicle, our auto loans and vehicle financing plans make it easy to get behind the wheel without breaking the bank. For those considering homeownership or refinancing, our mortgage loans provide competitive rates and flexible terms. In addition, if you're dealing with debt, our personal loans and debt consolidation services can help you regain control of your finances. And don't forget about our credit cards that come with rewards perfect for those who want to earn while they spend!

Digital & Online Banking

Accessibility and Ease-of-Use

At Bridgeton Onized, we prioritize accessibility. Our online banking platform is designed to be user-friendly for everyone, regardless of tech experience. Real-time account management means you can see exactly what's happening with your finances without delay. In summary, whether you're checking your balance or sending money across town, Bridgeton Onized is here to support you with reliable and secure digital banking solutions. Experience the convenience of modern banking today!

Key Features

With our 24/7 Online Banking Services, you have the power to manage your money whenever it suits you best. Check balances, transfer funds, and pay bills without stepping foot in a branch. Plus, our Mobile Application makes banking even more convenient, allowing you to perform transactions right from your smartphone. Worried about security? We've got you covered! Our platform includes Electronic Signature Authorization, making it easier to sign documents securely online. You can also enroll in E-Statements for a paperless option that keeps your financial information safe while reducing clutter. For those times when you need to send money quickly, our Person-to-Person Transfers feature allows you to send funds directly to friends or family with just a few taps. And if you're looking to make purchases on the go, take advantage of our Mobile Payments Feature it's fast and simple!

Financial Strength

A Strong Financial Foundation

With a net worth of $3,952,865, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $847 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Committed Team Ready to Serve

We also take pride in having 17 full-time employees and 1 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Whether you have questions or need assistance with your accounts, we're here for you.

Focused on Our Members

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. Our approach is designed to help you achieve your financial goals without compromise.

Growing Together

Total Share and Deposit Accounts: 12,625, showing a strong and growing member base that trusts us with their finances. This growth reflects our dedication to serving our community effectively. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Bridgeton Onized is your trusted partner. Visit us at 524 N Pearl St Bridgeton Nj 08302 or call (856) 692-4000 to learn more about how we can help you achieve your financial goals.

Reinvesting in Your Future

With $3,669,761 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. This commitment allows us to continually improve our services for your benefit.

Secure Savings Options

Members' savings are secured through $557,660 in share certificates and $646,116 in money market shares, offering stable and rewarding financial growth opportunities. This commitment to safeguarding your funds means you can save with confidence.

Supporting Your Financial Goals

Our lending capacity supports members' financial goals across various sectors with $1,517 in used auto loans and $39,428,955 in total loans and leases. We aim to make borrowing straightforward and accessible for all your needs.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $22,396,316 in used vehicle loans and $2,932,634 in new vehicle loans already helping members get on the road. We pride ourselves on simplifying the car-buying process, ensuring you can focus on choosing the right vehicle for you.

Credit Lines and Refinancing Options

In addition to these loans, we provide access to credit lines totaling $4,770,000. These lines can serve as a safety net for unexpected costs or as a way to finance larger purchases without the hassle of applying for multiple loans. Plus, if you're considering refinancing an existing loan, our team is ready to discuss your options and see how we can help reduce your payments or lower your interest rate. If you're interested in learning more about eligibility or how to apply for any of our loan products, feel free to reach out at (856) 692-4000 or visit us at our branch located at 524 N Pearl St Bridgeton Nj 08302 in Bridgeton, NJ. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. We're here to support your financial journey with personalized service tailored just for you!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $208,355, make buying or refinancing simple. We believe that everyone deserves a place to call home, and our team is here to guide you every step of the way.

Unsecured Credit Card Loans

Managing day-to-day expenses can be challenging. That's why we also offer flexible terms on unsecured credit card loans, with a total of $922,865 in loans helping members manage their finances effectively. Our credit cards come with great features designed to fit your lifestyle.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. This transparency allows you to make informed choices based on accurate data. LendMesh ensures accurate loan comparisons by sourcing data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards. This adherence guarantees that the offers you see are fair and transparent, based on the latest results (Source: https://www.ncua.gov). One of the key benefits of using LendMesh is its Verified Data approach. All loan offers come from legitimate financial institutions, which builds trust and clarity in the comparison process. Moreover, LendMesh operates without Sponsored Listings; lenders are not prioritized based on paid promotions. Instead, the focus is solely on providing unbiased results that users can rely on. Another advantage is the Real-Time Rate Comparisons feature. With up-to-date loan rates from multiple institutions, users can quickly assess their options and choose the most suitable rate for their needs. 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!" This testimonial reflects the effectiveness of LendMesh in aiding consumers during their loan search. 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.