Community Financial Services Roselle NJ Credit Union | Best Auto Loans & Quick Personal Loans

Introduction

Welcome to Community Financial Services, where we believe in building strong financial futures for our members right here in Roselle, NJ. Established in 1949, our credit union has been a trusted partner for over 3,197 members, offering a wide range of services tailored to meet your unique needs. At our branch located at 149 Saint George Ave, Roselle, NJ 07203, we pride ourselves on providing personalized service and competitive rates. As of now, we manage $32,261,614 in total assets and have successfully funded 1,190 loans to help our community thrive. We are committed to ensuring your financial well-being through various offerings such as checking and savings accounts, auto loans, mortgages, and business banking services. Led by our dedicated CEO Kelly Weiss and Board President Samuel Jones, our team of 9 employees is here to assist you with any financial questions or concerns you may have. We maintain a strong net worth of $4,581,113, ensuring that we can continue to serve you effectively for years to come. Plus, with cash readily available at $190,683, we are prepared to support our members' needs swiftly. While members can visit us at the branch for their banking needs, official correspondence should be sent to 149 St. George Ave., Roselle, NJ 07203-2936. We invite you to explore all that Community Financial Services has to offer. Whether you're looking for a new loan or simply want to learn more about managing your finances better, don't hesitate to reach out! Call us today at 908-245-1650 or visit our website at cfsfcu.com to get started on your path toward financial success.

Branch History & Mission

Advancements and Accessibility

At Community Financial Services, we embrace technology to improve your experience. Our services include ATM access for withdrawals and balance checks and drive-thru banking for quick transactions all designed with your convenience in mind. We also take pride in being ADA compliant, ensuring that everyone has equal access to our facilities and services. While you can reach us at our physical location at 149 Saint George Ave for any inquiries or assistance, official correspondence should be directed to our mailing address: 149 St. George Ave., Roselle, NJ 07203-2936.

Join Us

As we continue to grow and adapt to meet the needs of our members, we invite you to join the Community Financial Services family. Experience firsthand the benefits of being part of a credit union that truly cares about your financial well-being and the community around us. Whether you're looking for personal banking solutions or seeking support for your business endeavors, we're here for you every step of the way. To learn more or open an account today, visit us online at Community Financial Services or give us a call at (908) 245-1650. Together, let's build a brighter financial future!

Our Mission

The mission of Community Financial Services is clear: we strive to empower individuals and families through personalized financial solutions while actively supporting our local community. We understand that financial health plays a crucial role in achieving personal dreams and goals. That's why we provide a range of services including checking and savings accounts, auto loans, mortgage financing, credit cards with rewards, and business banking solutions. In addition to these services, we are deeply committed to community outreach. We partner with local organizations to support initiatives that uplift our neighborhoods and enhance the quality of life for all residents. Our team believes in giving back as much as we can; it's not just about numbers for us it's about people.

Branch Location & Accessibility

Convenient Access and Parking

Our branch offers ample parking for all members, ensuring that your visit is hassle-free. We understand the importance of accessibility, which is why our location features ADA-compliant ramps and facilities, making it easy for everyone to visit us.

Operating Hours That Fit Your Schedule

We're open Monday through Friday from 8:30 AM to 4:30 PM, providing plenty of time during the week for you to stop by and handle your banking needs. Whether you want to open a new account, discuss loan options, or simply ask a question, our friendly staff is ready to assist you.

Services Tailored Just for You

At Community Financial Services, we offer a variety of services designed with your needs in mind. From personal banking solutions like checking and savings accounts to auto loans and mortgage refinancing, we have something for everyone. Plus, our drive-thru service makes quick transactions even easier! Need cash? Our ATM is available on-site for your convenience. While members can visit us at 149 Saint George Ave Roselle Nj 07203, official correspondence should be sent to 149 St. George Ave., Roselle, NJ 07203-2936. If you have any questions or need assistance, feel free to give us a call at (908) 245-1650. We're excited to help you with all your financial needs! Come see us today!

Member Eligibility

Becoming a member of Community Financial Services means joining a welcoming community that values your financial well-being. At our branch located at 149 Saint George Ave, Roselle, NJ 07203, we believe that everyone deserves access to great financial services. To be eligible for membership, you simply need to live, work, worship, or attend school in our community. We also welcome immediate family members of current members, making it easy for you and your loved ones to enjoy the benefits we offer. For more details on eligibility criteria, feel free to visit this page where you can find the most updated information. Opening an account with us is straightforward and designed to be hassle-free. You can start the process by visiting our online portal here or give us a call at 908-245-1650 if you have any questions. We're here to help you take the first step towards better banking!

Business Banking & Commercial Services

Business Loan Options

Imagine having the financial backing you need to invest in new equipment or hire additional staff. Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We also support the broader business community with $5 in non-member commercial loans, providing flexible financing solutions. These loans help entrepreneurs like you overcome hurdles and seize opportunities. When you choose Community Financial Services, you're not just getting a loan; you're gaining a partner dedicated to your success.

Merchant Services

In today's fast-paced world, efficient payment processing is crucial for any business. That's why we offer merchant services that simplify transactions for both you and your customers. From credit card processing to online payment solutions, our services make it easy for you to manage payments seamlessly allowing you to focus on what really matters: growing your business. Ready to take your business to the next level? Visit us at 149 Saint George Ave Roselle Nj 07203 in Roselle, NJ, or call us at (908) 245-1650 to learn more about how we can help!

Comprehensive List Of Services

Business Banking Solutions

We also cater to local businesses with our comprehensive Business Banking services. From Merchant Services that simplify payment processing to Business Loans designed to support your growth, we understand what it takes to run a successful enterprise.

Convenient Digital Banking Features

In today's fast-paced world, convenience is key. That's why we offer robust Online & Mobile Banking features that allow you to manage your accounts anytime and anywhere. You can easily check balances, transfer funds, and even make deposits right from your smartphone or computer. Our branch also provides essential ATM and cash withdrawal services so you can access your money without hassle. If you prefer in-person assistance, our Basic Drive-Thru Banking offers easy transactions like deposits and withdrawals without leaving your vehicle.

Credit Options That Work for You

Our Credit Cards with Rewards program allows you to earn points on purchases that can be redeemed for exciting rewards. This card is ideal for anyone who wants to benefit from their spending while enjoying convenient payment options.

Personal Banking Made Easy

Whether you're opening your first checking account or looking to save for a special goal, our personal banking services are tailored just for you. With options like Checking & Savings Accounts, you can manage your everyday finances effortlessly. If you're considering a new car or need vehicle financing, our Auto Loans & Vehicle Financing will help you get on the road with competitive rates and flexible terms. For those looking to buy a home, we offer Mortgage Loans & Refinancing to make your dream of homeownership a reality. Plus, if you're managing debts or unexpected expenses, our Personal Loans & Debt Consolidation can provide you with the funds you need while simplifying your payments into one manageable plan.

We're Here for You

At Community Financial Services, we're more than just a financial institution; we're a community partner dedicated to helping you achieve your goals. Our friendly staff is ready to assist with any questions or concerns you might have. If you're interested in exploring how we can help you financially, don't hesitate to reach out! Give us a call at 908-245-1650 or visit us in person during our lobby hours from 8:30 AM - 4:30 PM, Monday through Friday. We look forward to serving you!

Digital & Online Banking

At Community Financial Services, we understand that convenience and security are essential for our members. That's why we've designed our digital and online banking services to fit your busy lifestyle while keeping your financial information safe. With our user-friendly online banking platform, accessible at https://www.cfsfcu.com/ , you can manage your accounts anytime, anywhere. Whether you need to check your balance, transfer funds, or pay bills, our 24/7 online banking service has got you covered. Plus, with features like person-to-person transfers, sending money to friends and family is as easy as a few taps on your phone. For those who prefer mobile access, our mobile application is available for download. This app allows you to perform all your banking tasks on the go. You can even make mobile payments directly from your device, making it simpler than ever to shop or dine out without worrying about cash or cards. We also offer e-statements for quick and easy access to your account statements. This feature not only helps you stay organized but also reduces paper clutter an eco-friendly choice! For added convenience, electronic signature authorization is available for certain transactions, allowing you to sign documents digitally without needing to visit a branch. At Community Financial Services, we prioritize your security. Our digital banking services use advanced encryption technology to keep your personal information safe. You can bank with confidence knowing that we're committed to protecting your data. Experience the ease of managing your finances in real-time with Community Financial Services's digital and online banking services today!

Financial Strength

Commitment to Growth

With $1,164,761 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our commitment to lending is evident with $12,801,329 in total loans and leases, which supports our members' financial goals across various sectors.

Dedicated Team

We also take pride in having 7 full-time employees and 2 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team. The total number of share accounts stands at 5,089, 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, Community Financial Services is your trusted partner. Visit us at 149 Saint George Ave Roselle NJ 07203 or call 908-245-1650 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings Options

Members' savings are secured through $2,298,197 in share certificates and $25,275 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 recent performance reflects our operational efficiency with a net income of -$21,013. While this shows a temporary dip in profitability due to investments in member services and technology enhancements, it also illustrates our dedication to creating long-term value for our members.

Solid Foundation

With a net worth of $4,581,113, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 14.20% 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 $2,180,035 in used vehicle loans and $701,898 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive rates that suit your budget.

Credit Lines

Our total credit lines amount to $4,500,000, giving you access to funds whenever you need them. This flexibility allows you to handle unexpected expenses or larger purchases without stress.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $3,482,581, make buying or refinancing simple. Whether you're a first-time buyer or looking to refinance an existing mortgage, we guide you through the process with ease.

Refinancing Options

If you're considering refinancing any existing loans or mortgages, talk to us about eligibility options. Our team can help determine if refinancing makes sense for you based on your current situation. At Community Financial Services, our goal is to provide tailored solutions that fit your life. For more information on our loan offerings or to see how we can assist you further, don't hesitate to reach out! Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $650,798 in loans helping members manage their finances effectively. These cards come with benefits that can enhance your purchasing power while keeping your financial health in check.

Loan Aggregator

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How LendMesh Ensures Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This ensures that users receive fair and transparent offers. Each loan option is verified for accuracy, making it easier to choose the best fit for your financial needs.

COMMUNITY FINANCIAL SERVICES FEDERAL CREDIT UNION - Roselle, NJ