C C S E Credit Union Salamanca NY | Affordable Auto Loans & ATMs

Introduction

Welcome to C C S E, your trusted partner in financial services right here in the heart of Salamanca, NY! Located at 417 Broad St, Salamanca, NY 14779, we have been serving our community since 1977. With a strong commitment to our members, we proudly support over 5,700 individuals and families with personalized banking solutions tailored to meet their needs. At C C S E, we understand that financial health is crucial for your peace of mind. That's why we offer a wide array of services, including checking and savings accounts, auto loans, mortgage options, personal loans, and business banking solutions. Our total assets currently stand at an impressive $58,061,746, reflecting our strength and stability as a credit union. With total deposits reaching $2,693,166 and a net worth of $5,509,223, you can trust that your money is in safe hands. Our dedicated team of 13 employees, led by CEO Ginger Haley and Board President Dale Colton, is here to assist you with any financial needs you may have. We believe in building lasting relationships within our community while providing top-notch services that empower our members. Whether you're looking to apply for a loan or simply need assistance with your account, don't hesitate to reach out! You can visit us during our lobby hours from Monday to Friday from 9 AM to 5 PM or call us at 716-945-5340 for more information. If you prefer official correspondence, please direct it to our mailing address at 417 Broad St, Salamanca, NY 14779. Join us today at C C S E where your financial success is our priority! Visit our website at ccseonline.com for more details on how we can serve you better.

Branch History & Mission

Welcome to C C S E, a cornerstone of financial support in Salamanca, NY. Since our doors opened in 1977, we have been dedicated to fostering a strong sense of community while providing essential financial services. Nestled at 417 Broad St, our branch is conveniently located near local landmarks that highlight the vibrant spirit of Salamanca. Over the years, C C S E has grown significantly, now proudly serving over 5,700 members. With total assets reaching an impressive $58,061,746, we have continually adapted to meet the evolving needs of our community. Our mission is clear: to empower individuals and families by offering reliable financial solutions and unwavering support. We believe in the potential of every member and strive to help them achieve their financial goals. Our operating hours are designed with your convenience in mind, welcoming you from Monday through Friday, 9 AM to 5 PM. Whether you need assistance with personal banking services or are exploring auto loans and mortgages, our team is here for you. For those on the go, we offer ATM access and drive-thru banking for quick and easy transactions. While members can visit us at 417 Broad St, official correspondence should be sent to the same address since it serves as both our branch and mailing address. Additionally, as part of our commitment to accessibility and inclusivity, we ensure that all facilities are ADA compliant. At C C S E, community engagement is at the heart of what we do. We actively participate in various outreach efforts aimed at strengthening our local ties and uplifting those around us. Through partnerships with local organizations and initiatives that support education and financial literacy, we aim to make a positive impact beyond just banking. Join us today and experience the difference that comes with being part of a credit union that truly cares about its members. Together, let's build a brighter financial future! For more information or to get started on your membership journey, feel free to reach out to us at 716-945-5340 or visit our website at ccseonline.com.

Branch Location & Accessibility

A Place for Everyone

At C C S E, we believe that banking should be easy for everyone. Our branch is designed with accessibility in mind, featuring ADA-compliant entrances and ramps to ensure that all members can visit us without hassle. Parking is ample and conveniently located right outside our building, making it easy to pop in whether you're stopping by for a quick transaction or a longer visit.

Convenient Hours & Services

We know that life can get busy, so we offer operating hours from Monday to Friday, 9 AM to 5 PM. Whether you need assistance with personal banking, auto loans, or even online banking services, our friendly staff is here to help! Plus, for those on-the-go moments, we provide ATM access and drive-thru banking options for your convenience. While members can visit us at 417 Broad St, official correspondence should be sent to the same address as our mailing address is also 417 Broad St in Salamanca. If you have any questions or need assistance, don't hesitate to give us a call at 716-945-5340.

Visit Us Today!

We invite you to come by and see how C C S E can help you achieve your financial goals. Whether you're looking for checking and savings accounts or exploring loan options, our team is ready to assist you. Stop by today and discover the difference of personalized banking!

Member Eligibility

Becoming a member of C C S E is like joining a family that truly cares about your financial well-being. To become part of our community, you need to meet a few simple eligibility criteria. Generally, residents of Cattaraugus County and those who work or worship in the area can join us. We welcome individuals from all walks of life, making it easy for you to connect with us and access our range of services tailored to your needs. The benefits of membership at C C S E include personalized banking solutions, competitive loan rates, and the support of a team that's dedicated to helping you achieve your financial goals. Ready to take the next step? Opening an account is straightforward! You can find more details about our eligibility requirements by visiting this link. If you have any questions or want to chat with us directly, feel free to give us a call at (716) 945-5340. We're here for you every step of the way!

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. For those outside our membership, we also support the broader community with $0 in non-member commercial loans, providing flexible financing solutions for various needs.

Merchant Services

In today's market, efficient payment processing is crucial for any business. With our merchant services, you can accept payments easily, whether online or in-person. Imagine a busy Saturday at your café: a long line of customers eager to pay. Our quick and reliable payment solutions ensure you serve them without delay, enhancing customer satisfaction and boosting sales. With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses. Let us help you take the next step toward achieving your goals. Visit us at 417 Broad St Salamanca Ny 14779 or give us a call at (716) 945-5340 to learn more about how we can support your business today!

Comprehensive List Of Services

Business Banking Services

For our business members, we offer comprehensive banking services that include merchant services and business loans. Whether you're starting a new venture or expanding an existing one, we're dedicated to supporting local businesses with the tools they need to succeed.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why Ccse Federal Credit Union provides robust online and mobile banking features. Access your accounts anytime from anywhere, transfer money easily through person-to-person payments, and manage your finances all from your smartphone or computer. Our ATM services ensure you can make withdrawals and check balances without any hassle.

Drive-Thru & ATM Access

For those who prefer face-to-face interactions but still want quick service, our basic drive-thru banking allows you to handle deposits, withdrawals, and simple transactions efficiently. And if you're on the go, our ATM services provide quick access to cash when you need it most. At C C S E, we're committed to ensuring that every member has access to the financial tools they need for success. If you have questions about any of our services or want assistance getting started, don't hesitate to reach out! Call us at (716) 945-5340 or visit us during our lobby hours from Monday to Friday between 9 AM and 5 PM. We look forward to serving you!

Personal Banking Solutions

Managing your personal finances can be easy with our selection of checking and savings accounts. Whether you're saving for a dream vacation or managing everyday expenses, we have accounts designed to help you reach your goals. For those looking to make big purchases, our auto loans and vehicle financing options provide competitive rates that make owning a car more affordable. If homeownership is on your mind, explore our mortgage loans and refinancing solutions. We understand that buying or refinancing a home is a significant step, and we're here to guide you through the process with personalized support.

Smart Borrowing Options

Sometimes life throws unexpected expenses your way, and that's where our personal loans and debt consolidation services come in. We believe in helping our members find financial relief without added stress. Plus, if you're looking for rewards while using credit, our credit cards with rewards programs are an excellent choice for earning benefits on your everyday purchases.

Digital & Online Banking

Key Services

Our online banking platform is accessible 24/7 at https://ccseonline.com/ . This means you can check your balance, pay bills, and transfer funds without the need to visit a branch. You'll also enjoy the convenience of e-statements, which allow you to keep track of your finances while reducing paper clutter. If you prefer a more hands-on approach, our mobile application puts all these features right in your pocket.

Real-Time Management

Need to send money to a friend? Our person-to-person transfer option makes it simple to split bills or share expenses instantly. Whether you're at home or on the go, managing your money in real-time is straightforward and efficient. With these user-friendly tools at your disposal, keeping track of your finances is no longer a chore but an effortless part of your daily routine. Experience the ease of banking with C C S E today!

Security and Convenience

Security is our top priority at C C S E. We use advanced measures to protect your personal information, and with electronic signature authorization available, signing documents has never been easier or safer. Plus, our mobile payments feature allows you to make purchases quickly and securely from your smartphone.

Financial Strength

Commitment to Growth

With $5,509,223 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 your financial goals with $531 in used auto loans and a total of $25,742,458 in loans and leases.

Member-Centric Resources

Members' savings are secured through $8,703,456 in share certificates and $6,240,053 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 efforts reflect positively on our bottom line; our $0 showcases our operational efficiency. This enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 12 full-time employees and 1 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Our Financial Health

With a net worth of $5,509,223, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $949 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Trust Built on Transparency

Total Share Accounts stand at 10,355, showing a strong and growing member base that trusts us with their finances. We encourage you to join this thriving community where your needs come first. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, C C S E is your trusted partner. Visit us at 417 Broad St Salamanca Ny 14779 or call (716) 945-5340 to learn more about how we can help you achieve your financial goals.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $8,441,869 in used vehicle loans and $4,137,179 in new vehicle loans already helping members get on the road. Whether it's a brand-new model or a reliable used car, we have financing options that make it easier for you to hit the road without breaking the bank.

Credit Lines

For those who need additional flexibility, our total credit lines of $9,000,000 are available to help cover various needs from emergency expenses to everyday purchases. This can be an excellent resource for managing cash flow efficiently.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $953,285, make buying or refinancing simple. We guide you through every step of the process, ensuring you understand your options and find a plan that fits your budget.

Refinancing Options

If you're considering refinancing any existing loans or exploring eligibility options for our products, our team is here to assist you. We strive to provide personalized service that helps you find solutions tailored specifically for your financial situation. For more information on how our loan products can work for you, please feel free to reach out at (716) 945-5340 or visit us at our branch located at 417 Broad St Salamanca Ny 14779 in Salamanca, NY. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. At C C S E, we're committed to helping our members succeed financially through quality lending solutions that truly make a difference.

Unsecured Credit Card Loans

Managing day-to-day expenses can sometimes be challenging. We also offer flexible terms on unsecured credit card loans, with a total of $0 in loans helping members manage their finances effectively. This option provides a safety net for unexpected expenses while allowing you to build your credit score.

Loan Aggregator

Ensuring Accurate Loan Comparisons

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C C S E FEDERAL CREDIT UNION