Circuit Credit Union Cheektowaga NY | Best Auto Loans & Business Banking

Introduction

Welcome to Circuit, your trusted credit union located at 3234 Union Rd, Cheektowaga, NY 14227. Since our establishment in 1959, we have been dedicated to serving our community with integrity and care. With a total membership of 1,095, we pride ourselves on fostering strong relationships with our members, ensuring that everyone feels valued and supported. At Circuit, we understand that financial decisions can be overwhelming, which is why we offer a range of services tailored to meet your needs. Whether you're looking for a checking account, an auto loan, or mortgage refinancing options, we've got you covered. Our total assets stand at an impressive $11,420,159, reflecting our commitment to sound financial practices and the trust our members place in us. Our team is led by CEO Cheryl Kuczynski and Board President Robert Flynn, who share a passion for helping members achieve their financial goals. With just 5 employees, we maintain a personal touch in every interaction. Our dedication extends beyond banking; we're committed to making a positive impact in the Cheektowaga community. While you can visit us at our branch location, official correspondence should be sent to the same address: 3234 Union Road, CHEEKTOWAGA, NY 14227. If you have any questions or need assistance, feel free to call us at 716-684-1741. Join us today and experience the difference that a member-focused credit union can make in your financial journey! For more information about our services or to become a member, please visit our website at circuitfcu.com. Let's build a brighter financial future together!

Branch History & Mission

Commitment to Service

At Circuit, we are committed to staying ahead in today's digital world. We offer online banking services that allow members to manage their accounts easily from anywhere. Our mobile application further enhances convenience by enabling secure access on-the-go. We ensure compliance with ADA standards so that everyone can utilize our services comfortably. We actively engage with local organizations and participate in community outreach programs aimed at improving lives within Cheektowaga and beyond. These partnerships help us give back and make a real difference in people's lives. Join us at Circuit and experience how we blend tradition with innovation for your financial success. Whether you're looking for personal banking options or business solutions, we invite you to become part of our family today! For more information or assistance, call us at 716-684-1741 or visit our website. Together, let's build a brighter financial future!

Our Evolution

Circuit began as a small credit union with a vision to empower individuals and families by offering accessible financial solutions. Throughout the decades, we have expanded our services, adapting to the changing needs of our community while maintaining our focus on personalized service. Today, we offer a wide range of products including checking and savings accounts, auto loans, mortgages, personal loans, and credit cards with rewards. Our branch has always been about more than just banking; it's about building relationships. We are proud to say that we operate without an ATM or drive-thru service; instead, we prioritize face-to-face interactions where members can discuss their financial goals with our friendly staff.

Our Mission

The mission of Circuit is simple yet profound: We strive to enhance the financial well-being of our members while fostering a sense of community. We believe in making banking accessible and understandable for everyone. Our goal is not only to provide excellent financial services but also to support local initiatives that uplift and enrich our community. While members can visit us at 3234 Union Rd for all their banking needs, official correspondence should be sent to our mailing address at 3234 Union Road, CHEEKTOWAGA, NY 14227.

Branch Location & Accessibility

A Warm Invitation

We invite you to come visit us at Circuit! Experience the personalized service that sets us apart from traditional banks. If you're looking for a community-focused credit union that truly cares about its members, look no further. We can't wait to see you!

Conveniently Located

Situated near local landmarks, our branch makes it simple for you to visit us while running errands or enjoying a day out. Finding parking is a breeze, and we are committed to ensuring that everyone can access our services comfortably, including those with mobility needs.

Operating Hours

We know your time is valuable! That's why our lobby hours are designed to fit your schedule: we're open Monday, Tuesday, and Thursday from 9:30 AM to 5:00 PM, Wednesday from 9:30 AM to 4:00 PM, and Friday until 6:00 PM. This means you can stop by before work or after school whatever suits you best.

Services Tailored for You

At Circuit, we offer a range of services to meet your financial needs, including checking and savings accounts, auto loans, mortgage loans, personal loans, and credit cards with rewards. Whether you're looking to save for the future or finance a new vehicle, our knowledgeable staff is ready to assist you. While we currently do not have an ATM or drive-thru service at this location, rest assured that our team is dedicated to providing excellent service inside the branch. If you need any assistance or have questions about our offerings, feel free to call us at 716-684-1741.

Member Eligibility

At Circuit, we believe that everyone deserves a place in our friendly community. Becoming a member is simple and welcoming, especially if you live, work, or worship in the Cheektowaga area. We're committed to serving those who meet our eligibility criteria, which you can learn more about by visiting https://circuitfcu.com/membership-application/. Joining us means gaining access to personalized financial services, competitive loan rates, and a supportive network that prioritizes your needs. If you're ready to take the next step, opening an account at Circuit is easy! Just follow the instructions on our account opening page available at https://www.realtimehomebanking.com/enroll.aspx?clientid=12912. Should you have any questions or need assistance along the way, don't hesitate to reach out to us at (716) 684-1741. We're excited to welcome you into our family at 3234 Union Rd Cheektowaga Ny 14227, where your financial well-being is our top priority!

Business Banking & Commercial Services

Commercial Loans Tailored for You

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. While we currently have $0 in member commercial loans and $0 in non-member commercial loans, we are dedicated to providing the financial support you need when the time comes. Our outstanding commercial loan portfolio stands at $0, but we are eager to engage with local businesses and offer flexible financing solutions tailored to their specific needs.

Merchant Services That Make Transactions Easy

Running a business means managing many moving parts, including payment processing. At Circuit, our merchant services simplify transactions for your customers, allowing you to focus on what truly matters growing your business. Whether it's offering credit card processing or mobile payments, we ensure you have the tools necessary to operate efficiently. Ready to take your business to the next level? Visit us at 3234 Union Rd Cheektowaga Ny 14227 in Cheektowaga, NY, or call us at (716) 684-1741. Let's work together to turn your business ambitions into reality!

Comprehensive List Of Services

Business Banking

If you're a business owner, you'll appreciate our dedicated business banking services. From merchant services that simplify payment processing to business loans that help expand your operations, we understand what it takes to run a successful business. We're here to support your growth with tailored solutions.

Digital Banking

In today's fast-paced world, digital banking features are essential. At Circuit, we offer robust online and mobile banking options that allow you to manage your finances anytime, anywhere. Check balances, transfer funds, or pay bills from the comfort of your home or on-the-go with ease. For those times when cash is necessary, our ATM and cash withdrawal services ensure you have easy access to your funds whenever needed. With all these services available under one roof at Office, we're committed to making banking convenient and accessible for everyone in the community. Ready to explore how we can assist you? Give us a call at (716) 684-1741, or visit us at our branch location! Your financial journey starts here with us at Circuit.

Personal Banking

For individuals and families, personal banking is where it all starts. Our checking and savings accounts are designed to help you manage your money easily and effectively. Imagine having a safe place to store your funds while also earning interest! Whether you're saving for a vacation or just trying to build an emergency fund, our accounts offer flexibility and convenience. When it comes to financing a car, auto loans and vehicle financing options at Circuit are here for you. Picture yourself driving off in that new car without the stress of complicated loans. We strive to make the process smooth, so you can focus on enjoying your new ride. If buying a home is on your horizon, our mortgage loans and refinancing services can help turn that dream into reality. With competitive rates and personalized service, we work with you to find the mortgage solution that fits your budget. And if you're already a homeowner looking to lower your payments or tap into your home's equity, our refinancing options might be just what you need. For those unexpected expenses or personal projects, our personal loans and debt consolidation services provide quick access to cash when you need it most. You can consolidate debts into one manageable payment, making life just a little easier. And let's not forget about credit! Our credit cards with rewards not only help build your credit score but also offer benefits like cashback or points for travel perfect for those who love to shop or explore new places.

Digital & Online Banking

Experience Seamless Security

We prioritize the security of your information. Our online banking platform uses advanced security measures to ensure that your data remains protected at all times. You can bank with confidence knowing that both convenience and security are at the forefront of our services. At Circuit, we aim to provide an accessible and efficient banking experience for all our members. Explore our digital banking options today by visiting https://circuitfcu.com/!

Key Features for Your Convenience

Our online banking service is available 24/7, meaning you can check balances, pay bills, and transfer funds right from the comfort of your home or on the go. Whether it's day or night, you're always just a click away from your account details. For those who enjoy the flexibility of mobile banking, our dedicated mobile application makes it easy to manage your finances from your smartphone. If you need to send money quickly, our person-to-person transfer feature allows you to send funds to friends or family without hassle. Plus, with electronic signature authorization available, signing documents is quick and secure saving you time while keeping your information safe.

Stay Updated with E-Statements

Say goodbye to paper statements! With our e-statements option, you'll receive your account statements electronically, making it easier for you to stay organized and keep track of your finances. This eco-friendly choice not only saves paper but also means you'll have instant access to your financial records whenever you need them.

Financial Strength

Comprehensive Lending Capacity

With $130 in used auto loans and $8,102,932 in total loans and leases, our lending capacity supports members' financial goals across various sectors. Whether you're looking to finance a vehicle or need a personal loan for other expenses, we're here to help make those dreams a reality. Our operational efficiency is highlighted by our $0, which reflects how effectively we manage resources to keep offering competitive loan rates and solid financial products for you.

Dedicated Team

We also take pride in having 5 full-time employees and 0 part-time employees dedicated to providing excellent service. This knowledgeable team ensures that you receive personalized attention whenever you visit us or call. With a total of 1,662 share accounts reflecting a strong and growing member base that trusts us with their finances, it's clear that together we're building a robust community of financially empowered individuals. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Circuit is your trusted partner. Visit us at 3234 Union Rd Cheektowaga Ny 14227 or call (716) 684-1741 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Member-Centric Approach

Members' savings are secured through $1,784,664 in share certificates, offering stable and rewarding financial growth opportunities. This commitment not only safeguards your deposits but also supports our mission to provide tailored financial solutions for all 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. We believe in reinvesting in our community and enhancing your banking experience; with $1,634,257 in undivided earnings, we channel these funds into innovative banking tools, stronger lending options, and enhanced security measures to serve you better.

Strong Financial Health

With a net worth of $1,634,446, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. This solid foundation empowers us to serve you effectively, ensuring that we can meet your banking needs now and in the future. Our net worth ratio of $1,431 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. This ratio reflects our ability to withstand economic fluctuations while still prioritizing the interests of our valued members.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $1,753,735 in used vehicle loans and $1,367,886 in new vehicle loans already helping members get on the road. We provide flexible terms and financing options that can fit your budget.

Credit Lines

For additional flexibility in managing your finances, our total credit lines amount to $580,000. These lines of credit can help you handle larger purchases or emergencies without disrupting your budget. Our team is dedicated to assisting you with all aspects of your loan needs. If you have questions about eligibility or refinancing options for any of our loan products, please feel free to reach out at 716-684-1741. We are committed to ensuring that you find the right solution for your financial situation. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Visit us today or check our website at https://circuitfcu.com for more details on how we can assist you!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $1,285,615, make buying or refinancing simple. We also provide refinancing options if you're looking to lower your monthly payments or tap into your home's equity.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $35,935 in loans helping members manage their finances effectively. This can be an excellent way to cover unexpected expenses while benefiting from manageable repayment plans.

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Circuit