Cal-ed Credit Union Coal Center PA | Best Auto Loans & ATM Services

Introduction

Welcome to Cal-ed Federal Credit Union, your trusted financial partner located at 100 Technology Dr, Coal Center, PA 15423. Since our establishment in 1960, we have been dedicated to serving our community with personalized banking solutions tailored to meet your unique needs. With a robust membership of 5,065 individuals and total assets reaching an impressive $20,576,714, we pride ourselves on being a reliable resource for all your financial aspirations. At Cal-ed, we understand that each member has distinct financial goals. That's why we offer a wide range of services, including personal banking options such as checking and savings accounts, auto loans, mortgage refinancing, and even credit cards with rewards. Our commitment to you is reflected in our total deposits of $1,766,946 and cash in hand amounting to $422,460, ensuring that we are well-prepared to support your financial journey. Under the leadership of our CEO, Jacque Dwyer, and Board President, Bruce Barnhart, our team of dedicated professionals comprising eight employees works tirelessly to provide exceptional service and foster long-lasting relationships. While you can visit us at our branch for all your banking needs, please note that official correspondence should be directed to our mailing address: PO BOX 497, California, PA 15419. Whether you're looking to secure a loan or simply want assistance managing your finances, we're here to help. Explore our website at cal-ed.com for more information on how we can assist you today. Don't hesitate to call us at 724-938-3280 or stop by during our lobby hours from Monday through Friday. We look forward to welcoming you into the Cal-ed family!

Branch History & Mission

Welcome to Cal-ed, a credit union with a rich legacy of service and community commitment. Since our founding in 1960, we've grown from a small group of dedicated individuals into a vibrant financial institution serving over 5,000 members in Coal Center, PA. Our branch, located at 100 Technology Dr, Coal Center, PA 15423, is more than just a place to bank; it's a hub for support and connection within our community. Over the years, Cal-ed has evolved to meet the changing needs of our members. We pride ourselves on providing comprehensive financial services, including personal banking options like checking and savings accounts, auto loans, mortgage refinancing, and even business banking solutions. As we celebrate our journey, we look back at our growth milestones building trust through sound financial practices and community outreach. Our mission is simple yet impactful: to empower our members by offering accessible financial solutions while fostering a sense of belonging and support. We believe that everyone deserves the chance to achieve their financial goals. This is why we're dedicated to not only providing competitive rates and services but also engaging in meaningful partnerships within the community. From local events to educational workshops, we strive to make a positive impact beyond banking. While members can visit us at 100 Technology Dr, official correspondence should be sent to PO BOX 497, CALIFORNIA, PA 15419. Our branch operates Monday through Thursday from 9 AM to 4:30 PM and Friday from 9 AM to 5 PM. With drive-thru banking available and ATMs for your convenience, we ensure that accessing your funds is easy. As part of our commitment to digital advancement, we offer online banking services that allow you to manage your accounts anytime and anywhere. Our goal is to create an inclusive environment that caters to all members whether you're looking for simple transactions or more complex financial products. Join us as we continue this journey together! Experience the benefits of membership with Cal-ed by reaching out at 724-938-3280 or visiting our website at www.cal-ed.com. Together, let's build a brighter financial future!

Branch Location & Accessibility

Get in Touch!

We invite you to come visit us at Cal-ed Federal Credit Union! If you have any questions or need assistance before your visit, don't hesitate to give us a call at 724-938-3280. Our team looks forward to welcoming you into our community-focused financial family!

Nearby Landmarks and Accessibility

Our branch is just a short drive from several local attractions, making it easy to stop by while running errands or visiting family. With ample parking available, you can access our facilities without any hassle. Plus, we take pride in being ADA compliant, ensuring that everyone can enjoy a smooth banking experience with features like ramps and accessible entrances.

Operating Hours and Services

At Cal-ed, we understand that your time is valuable. That's why our doors are open Monday through Thursday from 9:00 AM to 4:30 PM and Friday from 9:00 AM to 5:00 PM. Our dedicated team is ready to assist you with personal banking services including checking and savings accounts, auto loans, mortgage refinancing, credit cards with rewards, and more. We also offer convenient options like drive-thru banking for quick deposits and withdrawals, as well as ATM access for balance checks and cash withdrawals at your convenience. While members can visit us at our Coal Center location for all their banking needs, official correspondence should be directed to our mailing address at PO BOX 497, California, PA 15419.

Member Eligibility

At Cal-ed, we believe that everyone deserves a supportive financial community. Joining us is easy and welcoming! If you live, work, worship, or attend school in the area around 100 Technology Dr Coal Center Pa 15423, you're likely eligible to become a member. Being part of our credit union means you gain access to a variety of services designed with your needs in mind, from checking accounts to auto loans and more. We prioritize our members' well-being and strive to provide personalized support every step of the way. To learn more about the specific eligibility requirements or if you have any questions, feel free to reach out at (724) 938-3280. We're here to help! For detailed information on eligibility criteria, visit our website. Becoming a member is just the beginning of your journey with us, and we can't wait to welcome you into our family.

Business Banking & Commercial Services

At Cal-ed, we understand that running a business is both rewarding and challenging. That's why we offer tailored business banking solutions designed to help you thrive. Whether you're launching a new venture or expanding an existing one, our commercial loan options are here to support your growth. Imagine a local café that dreams of upgrading its equipment to serve more customers. With our member commercial loans, we've funded over $0 for businesses like yours, helping them scale and succeed. We also recognize the importance of community support, which is why we provide $0 in non-member commercial loans, offering flexible financing solutions for all businesses in the area. Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses. Additionally, our merchant services simplify payment processing so you can focus on what you do best running your business. From credit card processing to online payments, we're dedicated to making transactions easier for you and your customers. Visit us at 100 Technology Dr Coal Center Pa 15423 in Coal Center, PA or call us at (724) 938-3280 to learn how we can help your business flourish!

Comprehensive List Of Services

Business Banking

For entrepreneurs and small business owners, Cal-ed offers essential services like Merchant Services & Business Loans. Whether you're starting out or looking to expand, we can support your business's financial needs.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we provide robust Online & Mobile Banking features that allow you to manage your accounts anytime, anywhere. You can easily check balances, transfer funds, and pay bills from the comfort of your home or on the go. Plus, with our ATM & Cash Withdrawal Services, accessing your funds is simple and straightforward.

Drive-Thru and ATM Services

We also understand that sometimes you prefer in-person transactions. Our Basic Drive-Thru Banking lets you make deposits and withdrawals without leaving your car perfect for those busy days! Additionally, our ATMs offer quick access for cash withdrawals and balance checks whenever you need it. With a commitment to excellent service and member satisfaction, we invite you to explore all that Cal-ed has to offer. For more information about any of our services or assistance with your financial needs, feel free to reach out by calling us at (724) 938-3280. We're here to help you achieve your financial goals!

Personal Banking

Managing your everyday finances is easier than ever with our Personal Banking services. We offer various Checking & Savings Accounts designed to fit different lifestyles and goals. Need to make a purchase or plan for a future expense? Our Credit Cards with Rewards can help you earn benefits while making the most of your spending. When it comes to larger purchases, such as a new car or home, our Auto Loans & Vehicle Financing and Mortgage Loans & Refinancing options provide flexible terms and competitive rates. If you find yourself in need of extra cash, consider our Personal Loans & Debt Consolidation services, which can help you consolidate debts into manageable payments.

Digital & Online Banking

Additional Services

While we don't provide e-statements or electronic signature authorization at this time, we are committed to continuously enhancing our services based on member feedback. Our goal is to ensure that each service we offer adds value to your banking experience. With Cal-ed, managing your finances is straightforward and secure. Start enjoying the benefits of digital banking today by visiting http://www.cal-ed.com/!

Key Features

Whether you're checking your balance, transferring money, or paying bills, our 24/7 online banking services keep you in control of your financial life. You can easily access your accounts from your computer or mobile device, ensuring that your banking needs are met whenever it suits you. If you're looking for a quick way to send money to friends or family, our person-to-person transfer feature allows you to do just that with just a few clicks. No need for cash or checks just a simple online transaction can help you stay connected.

Security and Accessibility

Your security is our top priority. We use robust security measures to protect your personal information while making it easy for you to navigate through your accounts. And if you're ever on the go, don't worry! Even though we currently don't offer a mobile application or mobile payment options, our website is fully optimized for mobile use so that you can bank securely from your smartphone or tablet.

Financial Strength

Commitment to Financial Health

With a net worth of $3,066,783, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 14.76% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Investments in Our Community

With $2,816,686 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 $69 in used auto loans and $5,370,225 in total loans and leases.

Member-Centric Focus

Unlike traditional banks, we prioritize our members. With non-member deposits at $7,582, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. This commitment highlights our mission to serve you better every day.

Operational Efficiency

Our $1,948 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 6 full-time employees and 2 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Secure Savings Opportunities

Members' savings are secured through $3,170,079 in share certificates, offering stable and rewarding financial growth opportunities. Although we currently have $0 in money market shares, we focus on providing personalized options that best fit your needs.

Trustworthy Membership Growth

Total Share and Deposit Accounts stand at 4,011, showing a strong and growing member base that trusts us with their finances. As your community partner at Cal-ed, we emphasize transparency and reliability. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Cal-ed is your trusted partner. Visit us at 100 Technology Dr Coal Center Pa 15423 or call (724) 938-3280 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 $831,982 in used vehicle loans and $372,155 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 option, our team is here to guide you through the process.

Credit Lines

For those looking for more flexibility, our total credit lines amounting to $1,300,000 provide an excellent safety net for unexpected expenses or planned purchases. This option allows you to borrow what you need while only paying interest on the amount utilized. No matter what your financial aspirations are, our team at Cal-ed, located at 100 Technology Dr Coal Center Pa 15423, Coal Center, PA, is ready to assist you. Feel free to reach out via phone at (724) 938-3280 during our operating hours from Monday to Thursday 9 AM - 4:30 PM and Friday 9 AM - 5 PM. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Your journey towards financial empowerment starts here at Cal-ed!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We currently offer Junior Lien 1-4 Family Residential Properties loans totaling $0, providing you with competitive rates and terms. If you're considering refinancing your existing mortgage, we can help assess your eligibility for favorable rates that fit your budget.

Unsecured Credit Card Loans

Managing everyday expenses can sometimes be challenging. We also offer flexible terms on unsecured credit card loans, with a total of $170,954 in loans helping members manage their finances effectively. Our credit cards come with rewards that allow you to earn while you spend!

Loan Aggregator

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CAL ED FEDERAL CREDIT UNION - Coal Center, PA

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