C-b-w Schools Sidman PA Credit Union | Affordable Auto Loans & Business Banking

Introduction

Welcome to C-b-w Schools Federal Credit Union, your trusted financial partner in Sidman, PA. Established in 1956, our credit union has proudly served our community for over six decades, offering a range of financial products designed to meet your unique needs. With total assets exceeding $114 million, we are committed to ensuring that your money is safe and secure while helping you achieve your financial goals. At C-b-w Schools, we understand the importance of building strong relationships with our members. With a dedicated team of 12 employees, led by CEO Ryan Glista and Board President James Roccio, we strive to provide personalized service that makes you feel valued. Our total membership currently stands at 7,476 individuals who trust us with their financial well-being. Located at Po Box 400, Sidman, PA 15955, we're here to help you navigate everything from checking and savings accounts to auto loans and mortgages. While members can visit us at this address, official correspondence should be sent to PO Box 400, Sidman, PA 15955-0400. As a member-owned cooperative, we prioritize your financial success. Our total deposits reach $5,766,920, reflecting our dedication to fostering a supportive environment for all members. With a net worth of $36,859,605 and cash in hand totaling $296,438, we are well-positioned to provide you with competitive rates and exceptional service. Explore the variety of services we offer today by visiting our website at www.cbwsfcu.org. Whether you're looking for a new loan or need assistance with your existing accounts, our friendly staff is ready to help! Call us at 814-487-5714 or drop by during our operating hours Monday through Friday from 8:00 AM to 4:00 PM to experience the difference that a community-focused credit union can make in your financial journey.

Branch History & Mission

Welcome to C-b-w Schools, a credit union with a rich legacy that has been serving the Sidman community since 1956. Over the decades, we have grown and evolved, building strong relationships with our members and supporting the financial well-being of families in our area. With a total membership of 7,476 and assets amounting to $114,746,611, we are proud to be a trusted financial partner for so many. Located at Po Box 400 in Sidman, PA 15955, C-b-w Schools is more than just a credit union; we are a cornerstone of the community. Our mission is clear: to provide accessible and affordable financial services while fostering community support and engagement. We believe that when our members succeed financially, our entire community thrives. While members can visit us at our branch address for personal banking needs, official correspondence should be sent to PO Box 400, Sidman, PA 15955-0400. Our operating hours from September through May are 8:30 AM to 4:30 PM and from June through August, we open an hour earlier at 8:00 AM until 4:00 PM. We strive to offer convenience through various services such as online banking and mobile payments. C-b-w Schools remains committed to embracing modern technology while ensuring ADA compliance for all our members. We understand that accessibility matters in today's digital world. Although we currently do not offer ATM or drive-thru services, we focus on creating a welcoming environment within our branch where personal interactions can foster trust and build lasting relationships. As part of our commitment to community outreach, we actively engage in partnerships with local schools and organizations. Through these collaborations, we aim to educate our members about financial literacy and provide resources that empower them on their financial journeys. Join us at C-b-w Schools Federal Credit Union! Experience firsthand how we can assist you with everything from checking accounts and savings options to auto loans and mortgage financing. Together, let's make your financial goals a reality while strengthening our wonderful Sidman community. For more information or to become a member today, please call us at 814-487-5714 or visit our website.

Branch Location & Accessibility

Nearby Landmarks and Accessibility

Situated in a community-centered area, our branch is close to local landmarks that you might recognize. Whether you're stopping by after a trip to the park or on your way home from work, we're here to serve you. Our location is designed with accessibility in mind; we have features like ramps for those who need them and ample parking to accommodate all visitors.

Operating Hours

Our doors are open Monday through Friday from 8:00 AM to 4:00 PM during the school year and adjust slightly in the summer months with hours from 8:00 AM to 4:00 PM June through August. We aim to provide flexible hours that fit into your busy schedule.

Services Offered

At C-b-w Schools, we offer a wide range of services tailored to meet your financial needs. Whether you're looking for personal banking options like checking and savings accounts or need assistance with auto loans, mortgages, and personal loans, we've got you covered. Plus, our online and mobile banking services allow you to manage your finances anytime, anywhere. Although we currently do not have ATM facilities or drive-thru banking available at this branch, our dedicated staff is always ready to assist you over the phone at 814-487-5714 or in person with any inquiries you may have. We invite you to come visit us at C-b-w Schools Federal Credit Union! Experience firsthand how we can help make your financial journey easier and more enjoyable. We look forward to welcoming you soon!

Member Eligibility

At C-b-w Schools, we believe that becoming a member is about joining a community that supports your financial journey. If you're curious about how to become part of our family, it's easier than you might think! You may qualify for membership if you work or attend school in the area, or if you have a family member who is already a member. We're committed to helping individuals and families thrive financially, offering products and services tailored to your needs. For complete details on eligibility, feel free to explore our website at https://www.cbwsfcu.org/resources/membership/. Once you're ready to take the next step, opening an account is straightforward! Just visit us online at https://www.cbwsfcu.org/online-services/?target=applications, or give us a call at (814) 487-5714. Our friendly team is here to guide you through every step of the process. We look forward to welcoming you to C-b-w Schools, located at Po Box 400 Sidman Pa 15955!

Business Banking & Commercial Services

Lending 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 addition to loans, our merchant services provide practical solutions for everyday transactions. Imagine your customers making purchases effortlessly, while you enjoy lower processing fees and enhanced security. Whether you're a retail store or a service provider, our merchant services will help streamline your operations and improve cash flow. Located at Po Box 400 Sidman Pa 15955, Sidman, PA, we're here to support your business needs every step of the way. Contact us at (814) 487-5714 to learn more about how we can help you thrive!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

While we currently do not have ATMs at our branch location, rest assured that our network allows for easy cash withdrawal services at various locations nearby. At C-b-w Schools, we are here to serve you and meet all your financial needs effectively. If you're ready to explore these services further or have any questions, don't hesitate to reach out! Give us a call at (814) 487-5714 or visit us online at our website. We look forward to assisting you!

Auto Loans & Vehicle Financing

Thinking about getting a new car? At C-b-w Schools, we offer competitive auto loans and vehicle financing options. We understand that purchasing a vehicle can be a significant decision, so we work closely with our members to provide flexible terms and rates tailored to fit your budget.

Business Banking Services

For our local business owners, C-b-w Schools offers tailored business banking solutions, including merchant services and business loans. We understand the challenges of running a business, and we're dedicated to supporting you with the financial tools necessary for growth.

Credit Cards with Rewards

With our credit cards, you not only have purchasing power but also earn rewards for every dollar spent. It's like getting a little something back for using the card you already need! Our rewards program is designed to benefit you as you shop for everyday items.

Mortgage Loans & Refinancing

If you're considering buying a home or refinancing your current mortgage, our team is here to guide you through the process. We provide various mortgage loan options that can help make homeownership more accessible and affordable. Picture yourself unlocking the door to your dream home with ease!

Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why we provide robust online and mobile banking features. You can easily check balances, transfer funds, pay bills, and even apply for loans from the comfort of your home or on the go using our mobile app.

Personal Banking Options

Whether you're looking to open a checking or savings account, our personal banking services are designed with you in mind. Imagine having a reliable place for your daily transactions while earning interest on your savings. Our accounts come with features that make managing your money straightforward and hassle-free.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way. That's why we offer personal loans and debt consolidation services to help ease financial burdens. Whether it's an emergency expense or consolidating existing debts into one manageable payment, we aim to provide solutions that empower our members.

Digital & Online Banking

Accessibility Anytime

Our commitment to accessibility means that you have 24/7 online banking services at your fingertips. Whether it's early morning or late at night, managing your finances has never been simpler or more convenient. At C-b-w Schools, we strive to provide you with all the tools necessary for real-time account management so that you can focus on what truly matters in life. Join us today at C-b-w Schools and experience the ease and security of digital banking tailored just for you!

E-Statements and Mobile Features

Say goodbye to paper clutter with our e-statements availability! You can receive your account statements electronically, saving trees while keeping all your financial information organized in one place. Plus, if you're always on the go, you'll love our mobile application. With it, you can enjoy mobile payments and person-to-person transfers right from your smartphone. No more waiting for cash or checks; send money instantly to friends or family whenever you need to.

Key Services

Our online banking platform is just a click away at https://www.cbwsfcu.org/. Here, you can easily view your account balances, transfer funds, and pay bills without stepping foot into a branch. We know how important it is to keep your information safe. That's why we provide electronic signature authorization for secure transactions, ensuring that your data remains protected every step of the way.

Financial Strength

Committed Team

We also take pride in having 10 full-time employees and 2 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team dedicated to your success.

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 Membership

Total Share and Deposit Accounts stand at 8,946, showing a strong and growing member base that trusts us with their finances. This growth is a testament to the confidence our members have in C-b-w Schools, which continues to thrive year after year. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, C-b-w Schools is your trusted partner. Visit us at Po Box 400 Sidman Pa 15955 or call (814) 487-5714 to learn more about how we can help you achieve your financial goals.

Lending Capacity

Our lending capacity supports members' financial goals across various sectors with $417 in used auto loans and $27,445,413 in total loans and leases. Whether you're looking for financing for a vehicle or personal needs, we are here to help.

Member Savings and Security

Members' savings are secured through $18,256,587 in share certificates, offering stable and rewarding financial growth opportunities. This reflects our dedication to safeguarding your deposits while allowing you to earn more through our various savings options.

Operational Efficiency

Our $400,240 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We focus on maintaining strong performance so that you benefit every day.

Reinvesting in the Future

With $36,842,855 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. This commitment ensures that you have access to the best products available.

Strong Net Worth

With a net worth of $36,859,605, we maintain robust financial strength, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 32.12% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $6,136,329 in used vehicle loans and $3,815,007 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new model or a reliable pre-owned vehicle, we've got you covered.

Credit Lines and Unsecured Loans

For those who need extra flexibility in managing finances, we also offer total credit lines of $5,000,000. While currently we do not have unsecured credit card loans available at this time, our other lending options are designed to meet various financial needs effectively.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $495,142, make buying or refinancing simple. We provide flexible terms and competitive rates to ensure you feel confident throughout the process.

Refinancing Options

If you're considering refinancing your current loans or exploring eligibility options for any of our products, we encourage you to reach out. Our team is here to help guide you through the process and find the best solution for your situation. You can reach us at 814-487-5714 for more information about our loan offerings or visit us at our branch located at Po Box 400 Sidman Pa 15955. 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 pride ourselves on transparency and ensuring our members have all the information they need to make informed decisions. At C-b-w Schools, we're committed to helping you navigate your financial journey with confidence and ease.

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C B W SCHOOLS FEDERAL CREDIT UNION - Sidman, PA

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