Cornerstone Community Lockport NY Credit Union | Best Auto Loans & Business Banking

Introduction

Welcome to Cornerstone Community at our Lockport branch, located at 5810 S Transit Rd, Lockport, NY 14094. Since our establishment in 1957, we have dedicated ourselves to serving our community and enhancing the financial well-being of our members. With a strong membership base of over 43,170 individuals, we pride ourselves on fostering a supportive environment where everyone can thrive financially. At Cornerstone Community, we believe that trust and reliability are paramount in banking. Our total assets of $652,055,110 and total deposits amounting to $19,260,623 reflect our commitment to stability and growth. Under the leadership of CEO Eric Hepkins and Board President David Nemi, we work tirelessly to provide valuable services tailored to meet your needs. Whether you're looking for personal banking options like checking accounts and auto loans or business solutions such as merchant services and business loans, we have you covered. You can feel confident knowing your finances are in good hands with us. Our net worth stands at $51,767,947, ensuring that we are well-equipped to support you. We also maintain a healthy cash reserve of $6,161,093, providing further assurance that we're here for you when you need us. While members can visit us at 5810 S Transit Rd, official correspondence should be sent to our mailing address: 6485 S Transit Rd, Lockport, NY 14094-6331. Our friendly team is available Monday through Friday from 9 AM to 5 PM to assist you with any inquiries or needs. Ready to take the next step towards financial empowerment? Don't hesitate to reach out by calling us at 716-434-2290 or visit our website at Cornerstone Community for more information. Join us today and experience the difference that a dedicated credit union can make in your life!

Branch History & Mission

Join Us

As we look toward the future, we're excited about the possibilities ahead. Our dedicated team is here to guide you through every step of your financial journey. If you're not yet a member of Cornerstone Community, we invite you to join us today! Experience firsthand the benefits of being part of a credit union that truly cares about its members and community. Feel free to reach out at 716-434-2290 or visit us online at Cornerstone Community for more information on becoming a member or exploring our services further. Together, let's build a stronger community!

Member-Centric Services

We understand that today's world demands flexibility and accessibility. That's why we have embraced technology by offering online and mobile banking services alongside traditional methods. With features like e-statements and electronic signatures available, managing your finances has never been easier or more secure. While you can visit us at 5810 S Transit Rd, official correspondence should be sent to 6485 S Transit Rd, Lockport, NY 14094-6331 if needed.

Our Journey

From humble beginnings, Cornerstone Community has grown significantly, currently boasting total assets of $652,055,110. Our journey is marked by a commitment to providing exceptional financial services while fostering strong relationships within our community. Through various milestones, we've expanded our offerings, ensuring that our members have access to modern banking solutions that meet their evolving needs. In addition to traditional banking services like checking and savings accounts, we offer auto loans, mortgage refinancing, personal loans, and business banking solutions. Our drive-thru banking service and ATM availability make it easy for members to manage their finances conveniently.

Our Mission

At Cornerstone Community, our mission is simple yet powerful: we strive to improve the financial well-being of our members and support the communities we serve. We believe that financial health is crucial for individuals and families to thrive. That's why we focus not only on delivering quality financial products but also on engaging with local organizations and initiatives that uplift those around us. Our headquarters in Lockport, NY, serves as a hub for these efforts. We take pride in creating partnerships with local businesses and non-profits, ensuring that our impact extends beyond just banking transactions. Whether through sponsorships or volunteer efforts, we aim to be a force for good in our community.

Branch Location & Accessibility

Call to Action

Ready to experience personalized banking? We invite you to visit us at Cornerstone Community in Lockport! If you have any questions or need assistance before your visit, feel free to give us a call at 716-434-2290. Our team looks forward to welcoming you!

Nearby Landmarks and Accessibility

Our branch is just a stone's throw away from popular spots like the historic Lockport Locks and the scenic Erie Canal. This prime location makes it easy to combine your banking errands with a visit to these local attractions. We offer ample parking with convenient access ramps to ensure that everyone can enjoy our services without hassle.

Operating Hours and Services

We understand that life can get busy, which is why we're open Monday through Friday from 9 AM to 5 PM. Our friendly staff is always ready to assist you during these hours. At Cornerstone Community, we provide a range of services including checking and savings accounts, auto loans, mortgage options, and personal loans. Plus, our drive-thru service allows you to complete simple transactions without leaving your vehicle. If you're in need of cash on the go, take advantage of our ATM availability for quick withdrawals and balance checks. Additionally, we participate in shared services for partner credit union members, making it easier than ever to access your funds no matter where you are.

Member Eligibility

Joining the Cornerstone Community is more than just opening a bank account; it's about becoming part of a warm, welcoming family that truly cares about your financial well-being. At Cornerstone Community, we believe that everyone deserves access to quality financial services, and we're excited to share that membership is open to individuals who live, work, or worship in Niagara County and surrounding areas. This means if you call this beautiful region home or spend your days here, you're already eligible! Plus, being a member gives you access to a variety of benefits like competitive loan rates and personalized service that puts you first. The process of becoming a member is simple and straightforward. To get started, just visit us at 5810 S Transit Rd, Lockport, NY 14094, or give us a call at 716-434-2290 for more information. You can also find detailed eligibility criteria by checking out our website at this link. We're here to help guide you every step of the way as you take this exciting step towards better banking with us!

Business Banking & Commercial Services

Financing for Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $114 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $13 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $78,461,131, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to our loan offerings, we provide essential merchant services that simplify transactions for your business. From accepting credit cards to managing payments effortlessly, our services enable you to focus on what matters most growing your business. Located at 5810 S Transit Rd Lockport Ny 14094 in Lockport, NY, we're here to support your financial journey every step of the way. For more information about how we can assist you, give us a call at (716) 434-2290 or visit us online. Let's work together to achieve your business goals!

Comprehensive List Of Services

ATM and Drive-Thru Services

Need quick access to cash? Our ATM services are available 24/7 for withdrawals and balance checks. If you prefer face-to-face interactions but want the convenience of staying in your car, our drive-thru banking service lets you handle deposits, withdrawals, and simple transactions without ever leaving your vehicle.

Business Banking Services

For entrepreneurs and small business owners, we have tailored solutions that include merchant services and business loans. We understand that running a business requires flexibility and support, which is why our team is ready to assist you with financial products designed specifically for your unique challenges.

Credit Cards and Rewards

We know how important it is for our members to make the most out of their purchases. That's why we offer credit cards with rewards that allow you to earn points for every dollar spent. Whether it's cash back on groceries or travel points for your next vacation, our credit cards provide value while helping you manage your expenses.

Digital Banking Features

Embracing technology is key to ensuring convenient access to your accounts. At Cornerstone Community, we offer robust online and mobile banking services that allow you to check balances, transfer money, and pay bills from anywhere at any time. With features like mobile payments and person-to-person transfers, managing your finances has never been easier.

Personal Banking Solutions

When it comes to personal banking, we offer checking and savings accounts that are designed with your needs in mind. Imagine having a reliable place for your funds that also allows you to earn interest this is what our savings accounts provide. If you're considering purchasing a vehicle, our auto loans and vehicle financing options are not only competitive but also straightforward, making it easy for you to hit the road in no time. For those looking to buy a home or refinance an existing mortgage, our mortgage loans come with flexible terms and rates that fit your budget. Plus, if life throws unexpected expenses your way, our personal loans and debt consolidation options can help you regain control over your finances without added stress.

Shared Branch Transactions

As part of a larger network, we also provide basic shared branch transactions for members of partner credit unions. This means you can deposit or withdraw funds even when you're away from home ensuring you're never far from your money. In conclusion, Cornerstone Community stands ready to support all of your financial needs with personalized service and comprehensive offerings. We invite you to reach out at (716) 434-2290 or visit us at 5810 S Transit Rd Lockport Ny 14094 in Lockport, NY. Let's work together towards achieving your financial goals today!

Digital & Online Banking

Key Services

With our 24/7 online banking services, you can check balances, pay bills, and transfer money with just a few clicks. For added convenience, our mobile application lets you manage your finances right from your smartphone. This means no more waiting in line your bank is always in your pocket! Want to send money quickly? Our person-to-person transfers feature makes it easy to send cash to friends or family without any hassle. You can also enjoy the benefits of mobile payments, allowing you to pay for purchases directly from your phone.

Security and Ease of Use

We take your security seriously. Our digital services include electronic signature authorization, which simplifies the process of signing documents while keeping your information safe. Plus, with e-statements available, you can receive important account statements electronically, reducing paper clutter and helping the environment. Managing your finances has never been simpler or more secure. Join us at Cornerstone Community and experience the ease of digital banking that puts you in control. Explore all these features and more by visiting us at https://www.ccfcu.org/ today!

Financial Strength

Commitment to Growth

With $44,501,831 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 your financial goals with $43,031,933 in total loans and leases and 4,469 used auto loans available to help you make those important purchases.

Growing Membership Base

Total Share Accounts: 83,479, show a strong and growing member base that trusts us with their finances. Our commitment to member satisfaction drives our success and strengthens the community we serve. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Cornerstone Community is your trusted partner. Visit us at 5810 S Transit Rd Lockport NY 14094 or call 716-434-2290 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 Resources

Members' savings are secured through $75,101,823 in share certificates and $64,208,538 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $24,387,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our operational efficiency is reflected in our net income of $0, allowing us to focus on providing valuable services without compromise. We also take pride in having 144 full-time employees and 1 part-time employee, ensuring our branches are always ready to serve you with a knowledgeable and committed team.

Strong Financial Health

With a net worth of $51,767,947, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 822 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 provide some of the lowest rates in the industry, with over $60,346,560 in used vehicle loans and $18,843,202 in new vehicle loans already helping members get on the road. Whether you're purchasing a new or used vehicle, our team is here to guide you through the process and ensure you get the best deal possible.

Business Financing

For business owners looking for growth opportunities, our outstanding commercial loans total $78,461,131, providing the capital needed to expand operations or invest in new projects. We are committed to supporting our local businesses and helping them thrive.

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 $76,085,889. This could be your chance to secure a comfortable home for you and your family with terms that suit your budget.

Refinancing Options

If you're considering refinancing any existing loans or mortgages, our knowledgeable staff can assist you in exploring eligibility options that may save you money over time. We're dedicated to finding solutions that work for you. For more information on any of our loan products or to start your application today, please visit us at 5810 S Transit Rd Lockport Ny 14094 or give us a call at 716-434-2290. Our friendly team is ready to assist you during our operating hours from 9 AM to 5 PM on weekdays. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. At Cornerstone Community, we're here to support your journey towards financial success!

Unsecured Credit Cards

We also provide flexible terms on unsecured credit card loans. With a total of $14,717,334 in loans, we help members manage their finances effectively while enjoying the benefits of rewards programs and low interest rates.

Loan Aggregator

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CORNERSTONE COMMUNITY FEDERAL CREDIT UNION - Lockport, NY