Cadets Credit Union Elma NY | Affordable Auto Loans & Checking

Introduction

Welcome to Cadets Federal Credit Union, your trusted financial partner located at 1751 Transit Rd, Elma, NY 14059. Established in 1950, our credit union has grown to serve over 1,157 members, providing a range of services tailored to meet your unique financial needs. With total assets of $18,632,809 and total deposits reaching $1,351,667, we are dedicated to fostering a secure and supportive environment for our members. At Cadets FCU, we pride ourselves on being more than just a bank; we are a community-oriented institution focused on helping you achieve your financial goals. Our leadership team, headed by CEO Sandra Kopacz and Board President Theodore Pyrak, is committed to providing personalized service and building lasting relationships with our members. While you can visit us at our branch for all your banking needs, please note that official correspondence should be sent to 1751 TRANSIT ROAD, ELMA, NY 14059. We invite you to explore our offerings including personal banking accounts, auto loans, mortgages, and business loans. With total loans of 807 and cash in hand amounting to $224,505, we are well-equipped to assist you. Our friendly staff is here to help during our operating hours: Monday through Thursday from 9 AM to 4 PM, Friday from 9 AM to 5 PM, and Saturday from 9 AM to 1 PM. Feel free to reach out at 716-771-3434 or visit us online at cadetsfcu.com. Join us today and experience the difference of being part of a credit union that truly cares about its members!

Branch History & Mission

Our Journey

Located at 1751 Transit Rd Elma, NY 14059, our branch has become a cornerstone for financial support in the area. From humble beginnings, we have steadily expanded our offerings to include personal banking services such as checking and savings accounts, auto loans, mortgages, and business banking solutions. Our evolution reflects not only our growth but also our dedication to ensuring that each member feels valued and supported on their financial journey. We strive to provide an exceptional banking experience with modern conveniences. We offer online banking and mobile applications so you can manage your finances anytime and anywhere. Additionally, with an ATM available on-site and drive-thru service for quick transactions, we make it easy for members to access their funds.

Our Mission

At Cadets Federal Credit Union, our mission is clear: we are committed to helping our members achieve their financial goals while promoting community well-being. We believe that everyone deserves access to quality financial services that empower them to thrive. This is why we prioritize not just financial products but also initiatives that uplift the community through partnerships and outreach programs. While members can visit us at 1751 Transit Rd Elma for all their banking needs, official correspondence should be sent to our mailing address at 1751 TRANSIT ROAD, ELMA, NY 14059. Whether you need assistance or simply want to learn more about what we offer, don't hesitate to reach out at 716-771-3434 during our operating hours: Monday through Thursday from 9 AM to 4 PM, Friday from 9 AM to 5 PM, and Saturday from 9 AM to 1 PM. Join us today at Cadets Federal Credit Union! Experience the difference of being part of a cooperative where your voice matters and your financial success is our priority. Discover how we can help you achieve your dreams by visiting us or exploring more online at Cadets FCU. Together, let's build a brighter financial future!

Branch Location & Accessibility

Welcome to Cadets Federal Credit Union, located conveniently at 1751 Transit Rd, Elma, NY 14059! Our branch is nestled in the heart of Erie County, making it easy for you to access our services. Whether you're heading over from nearby landmarks or just passing through, we're here to meet your banking needs. While members can visit us at our branch address, official correspondence should be sent to 1751 TRANSIT ROAD, ELMA, NY 14059. This ensures that your important documents reach us without delay. At Cadets, we prioritize accessibility for everyone. Our location features ADA-compliant entrances and ramps, ensuring that all members can easily navigate our facilities. Ample parking is available for your convenience, so you can focus on what matters most your finances! We understand that life gets busy, which is why our operating hours are designed to fit your schedule. Visit us Monday through Thursday from 9:00 AM to 4:00 PM, Friday from 9:00 AM to 5:00 PM, and Saturday from 9:00 AM to 1:00 PM. Whether you need assistance with personal banking services like checking and savings accounts or are looking for auto loans and mortgage options, our friendly staff is ready to help. For those on the go, we offer ATM services and a drive-thru banking option for quick deposits and withdrawals. If you have any questions or need assistance, don't hesitate to call us at 716-771-3434. We look forward to welcoming you into our branch soon!

Member Eligibility

Becoming a member of Cadets is like joining a close-knit family where everyone looks out for one another. If you're interested in being part of our community, you'll find that eligibility is open to those who live, work, or worship in the areas we serve. We also welcome family members of existing members, making it easy for you to connect with us. Joining Cadets means you'll have access to a range of personalized financial services tailored just for you whether it's savings accounts, auto loans, or even mortgages. The application process is straightforward and welcoming; simply visit our website for more details on how to become a member at https://www.cadetsfcu.com/home/membership . If you have any questions or need assistance, feel free to give us a call at (716) 771-3434. We're here to help you every step of the way!

Business Banking & Commercial Services

Merchant Services That Work for You

In addition to loans, we offer merchant services tailored for busy entrepreneurs. Imagine having the tools you need to accept payments easily and efficiently. Whether it's processing credit card transactions or managing customer payments, our services help you focus on what really matters growing your business. Located at 1751 Transit Rd Elma Ny 14059 in Elma, NY, our team is ready to partner with you on your journey toward success. Connect with us today at (716) 771-3434 to explore how we can support your business ambitions!

Tailored Loan Solutions

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.

Comprehensive List Of Services

ATM and Drive-Thru Services

For those who prefer face-to-face transactions or need quick access to cash, we offer ATM & Cash Withdrawal Services along with basic drive-thru banking for deposits, withdrawals, and simple transactions. Our drive-thru service is perfect for busy individuals who want convenience without sacrificing personal service. At Cadets, we pride ourselves on being more than just a financial institution; we're a community partner invested in your success. With friendly staff ready to assist you and a commitment to providing comprehensive services that fit your lifestyle, we invite you to experience the difference firsthand.

Business Banking Solutions

If you're a business owner, we know how vital reliable banking is for your success. Our Business Banking services include merchant services and business loans that can help you grow and thrive in today's market.

Digital Banking Convenience

With technology at your fingertips, managing your finances has never been easier. Our Online & Mobile Banking options allow you to access your accounts anytime, anywhere. You can check balances, transfer funds, and even pay bills from the comfort of your home or on the go.

Get Started Today!

Ready to take control of your financial future? Visit us at 1751 Transit Rd Elma Ny 14059, give us a call at (716) 771-3434, or explore more about our services online at Cadets Federal Credit Union. We look forward to serving you!

Loans for Your Needs

Sometimes life throws unexpected expenses your way. Our Personal Loans & Debt Consolidation services can help you manage those costs effectively. Additionally, we offer Credit Cards with Rewards, allowing you to earn benefits while making everyday purchases.

Personal Banking Services

We understand that every member has unique financial goals. That's why we offer Personal Banking services, including checking and savings accounts designed for both everyday banking and long-term savings. If you're planning to purchase a vehicle, our Auto Loans & Vehicle Financing options make it easy to get behind the wheel without breaking the bank. For those considering homeownership, our Mortgage Loans & Refinancing solutions provide competitive rates and flexible terms.

Digital & Online Banking

Additional Features

While electronic signature authorization isn't available right now, our focus remains on providing secure and user-friendly experiences. And even though mobile payments aren't an option yet, we're continually looking at ways to enhance our offerings for members like you. With e-statements available, you'll find it easier than ever to keep track of your finances without piles of paperwork cluttering your space. Choose Cadets for all your digital banking needs, where convenience meets security every day!

Convenient Online Banking

Our online banking platform at https://cadetsfcu.com/home lets you manage your accounts with just a few clicks. You can check your balances, transfer funds, and even set up e-statements for hassle-free record-keeping. Enjoy the peace of mind that comes from knowing your financial information is secure while having the ability to access it anytime.

Mobile Application

For those who prefer managing their finances on the go, our mobile application is available for download. This app makes it easy to perform transactions right from your smartphone. Whether you're paying bills or checking account activity, everything is at your fingertips.

Person-to-Person Transfers

Need to send money to a friend? Our person-to-person transfer feature allows you to quickly and easily send funds without the need for cash or checks. It's a simple way to share expenses or help someone out when they need it.

Financial Strength

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.

Growing Member Base

Total Share and Deposit Accounts: 2,599, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Cadets is your trusted partner. Visit us at 1751 Transit Rd Elma Ny 14059 or call (716) 771-3434 to learn more about how we can help you achieve your financial goals.

Reinvesting for Better Services

With $1,253,033 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. This approach not only strengthens our credit union but also enhances your overall experience with us.

Safe Savings Options

Members' savings are secured through $9,881,469 in share certificates, offering stable and rewarding financial growth opportunities. While we have $0 in money market shares, our commitment to your financial well-being remains our top priority.

Solid Financial Health

With a net worth of $1,549,055, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $831 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Strong Operational Efficiency

Our $0 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. With a dedicated team of 3 full-time employees and 4 part-time employees, we're always ready to assist you with knowledgeable service.

Supporting Your Financial Goals

Our lending capacity supports members' financial goals across various sectors with $283 in used auto loans and $11,856,860 in total loans and leases. This means whether you're looking to buy a car or invest in something more significant, we've got you covered.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $3,203,977 in used vehicle loans and $809,239 in new vehicle loans already helping members get on the road. Whether you're financing a brand-new model or a reliable pre-owned vehicle, we have options that fit your budget and needs.

Credit Lines and Unsecured Loans

For those looking for flexible funding solutions, we provide total credit lines of $500,000. Additionally, while we currently do not have unsecured credit card loans available, our commitment remains strong to support you in managing your finances effectively.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $1,110,431, make buying or refinancing simple. We aim to guide you through the process smoothly so you can focus on making your house a home.

Refinancing Options

If you're considering refinancing your existing loans or exploring eligibility options for any of our products, our team is here to assist you every step of the way. We want to ensure you find the best terms that suit your circumstances. You can reach us at (716) 771-3434 for any inquiries or to discuss which loan product might be right for 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. We look forward to supporting you on your financial journey!

Loan Aggregator

Accurate Loan Comparisons

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Benefits of Using LendMesh

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CADETS FEDERAL CREDIT UNION