Diamond Credit Union West Reading PA | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Diamond, your trusted financial partner located at 6Th Avenue And Spruce St, West Reading, PA 19611. Since our establishment in 1947, we have been dedicated to serving our community with integrity and care. At Diamond, we believe that banking should be personal and accessible. With a robust membership of 68,118 individuals, we pride ourselves on creating lasting relationships with our members. As a member-focused credit union, we manage total assets of over $1 billion specifically, $1,040,310,628 ensuring that your savings are not just secure but also working for you. Our commitment to financial wellness extends beyond simple transactions; we offer a variety of services including checking and savings accounts, auto loans, mortgages, personal loans, and business banking solutions. With total deposits reaching $98,350,740, our members trust us to safeguard their finances. Under the leadership of CEO Rick Patel and Board President Patrick Austin, our team of 210 employees is devoted to providing exceptional service every day. We understand that navigating finances can sometimes feel overwhelming, which is why we're here to guide you every step of the way. Whether you're seeking an auto loan or need assistance with personal budgeting, our experienced staff is ready to help. Feel free to visit us in person or explore our services online at diamondcu.org. If you have any questions or need immediate assistance, don't hesitate to call us at 610-326-5490. Join the Diamond family today and experience the difference of being valued as a member!

Branch History & Mission

Community Commitment

Partnerships with local organizations play a crucial role in our outreach efforts. We actively participate in community events and initiatives aimed at improving financial literacy and supporting local businesses. Your success is our success; together, we can build a stronger community. As you explore what Diamond has to offer, remember that you're not just joining a credit union you're becoming part of a family that cares deeply about your financial well-being. Whether you're looking for guidance on loans or assistance with savings strategies, we're here for you every step of the way. Join us today! Experience the benefits of membership at Diamond by visiting us at 6Th Avenue And Spruce St West Reading Pa 19611 or reaching out via phone at (610) 326-5490. We can't wait to welcome you into our growing family!

Our Journey

From our humble beginnings on 6Th Avenue And Spruce St West Reading Pa 19611, located conveniently at the intersection of 6th Avenue and Spruce Street, we have expanded our offerings while remaining true to our mission. We understand that financial success is not just about numbers; it's about people. Each milestone in our journey reflects our commitment to helping members achieve their goals whether it's buying a new home, securing an auto loan, or simply saving for the future. Our branch operates Monday through Friday from 7:30 AM to 4:00 PM, ensuring that we are available when you need us most. For those who prefer digital banking, we offer robust online and mobile banking options that allow you to manage your finances anytime, anywhere.

Our Mission

At Diamond, our mission goes beyond providing financial products; it encompasses fostering community growth and support. We strive to empower individuals and families by offering personal banking services such as checking and savings accounts, auto loans, mortgage refinancing, credit cards with rewards, and business banking solutions. We believe in making a positive impact in the lives of our members through financial education and personalized service. We also recognize the importance of accessibility. That's why we ensure ADA compliance at our branch and provide ATM access for your convenience. Although we do not currently offer drive-thru services or shared service centers, we are committed to enhancing your experience every day.

Branch Location & Accessibility

Accessibility Features

At Diamond, we prioritize accessibility for all our members. Our branch is ADA compliant with features such as ramps and designated parking spaces to ensure everyone can access our services without hassle. Whether you prefer to walk in or park nearby, you'll find ample parking available.

Get in Touch

Have questions or need assistance? Feel free to call us at 610-326-5490. We invite you to stop by our West Reading branch today and discover how Diamond can help you with all your banking needs!

Operating Hours

We are here for you during convenient hours from Monday to Friday, opening bright and early at 7:30 AM and closing at 4:00 PM. Our staff is always ready to assist you with a smile, ensuring that your banking experience is as pleasant as possible.

Services Offered

Diamond offers a range of services designed to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we are dedicated to helping you achieve your financial goals. You can also enjoy easy access through our ATM services available on-site.

Member Eligibility

At Diamond, we believe in creating a welcoming community where everyone can thrive. Becoming a member is easy and open to anyone who lives, works, worships, or attends school in the area. If you're part of this vibrant community, we'd love to have you join us! Membership not only gives you access to our friendly services but also provides you with financial products tailored to help you achieve your goals. Whether you're looking for a checking account, auto loans, or even home financing options, we're here for you every step of the way. To learn more about the specific eligibility requirements and ensure you meet them, feel free to check out our detailed guidelines at https://diamondcu.org/about/join/eligibility/. Ready to take the next step? Opening an account is just a click away at https://netbranchweb.diamondcu.com/authentication/userregistration.aspx, or give us a call at (610) 326-5490 if you have any questions. We're excited to welcome you to the Diamond family!

Business Banking & Commercial Services

Business Loans That Fuel Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $247 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $54,996,601, we continue to drive economic growth by financing new and expanding businesses.

Practical Merchant Services

Imagine running your store and needing a quick solution for payment processing. Our merchant services simplify transactions, allowing you to focus on what matters most your customers. With easy access to payment tools, you can enhance customer satisfaction and streamline operations. Located at 6Th Avenue And Spruce St West Reading Pa 19611 in West Reading, PA, we invite you to explore how our services can elevate your business. Reach us at (610) 326-5490 for more information or visit our website at https://diamondcu.org/. Let's work together to build a successful future for your business!

Comprehensive List Of Services

Business Banking Services

For our business members, we offer essential services like merchant services and business loans that can help fuel growth and improve cash flow. We know how important it is for businesses to have reliable banking partners, so we work closely with you to provide tailored solutions that meet your unique needs.

Convenient Access

We want banking to be as convenient as possible for you. Our branch provides basic ATM access, allowing for quick withdrawals and balance checks without lengthy wait times. Should you ever need assistance or have questions about any of our services, don't hesitate to reach out at 610-326-5490 during our operating hours from Monday through Friday from 7:30 AM to 4:00 PM. At Diamond, we believe in empowering our members with the tools they need to succeed financially. Visit us today or explore more about our offerings online at Diamond Credit Union. Let us help you achieve your financial goals!

Digital Banking Features

In today's fast-paced world, having access to your finances at any time is crucial. That's why we emphasize our robust online and mobile banking features. With just a few taps on your smartphone or clicks on your computer, you can check balances, pay bills, transfer money, and much more all from the comfort of your home or on the go. Our ATM and cash withdrawal services make it easy for you to access funds whenever needed.

Personal Banking Solutions

Our personal banking services include checking and savings accounts designed to help you manage your everyday expenses and save for what matters most. For those in need of financing, we offer auto loans and vehicle financing options that make it easier to drive away in your dream car without breaking the bank. If you're thinking about buying a home or refinancing your existing mortgage, our mortgage loans provide competitive rates and flexible terms to fit your budget. Sometimes life throws unexpected expenses your way. That's where our personal loans and debt consolidation options come into play. We aim to ease your financial burdens by providing funds when you need them most. Additionally, our credit cards with rewards allow you to earn points on purchases while enjoying the convenience of cashless transactions.

Digital & Online Banking

Key Features

Our online banking service is available 24/7, allowing you to keep track of your finances whenever it suits you best. Whether you're checking your balance, transferring funds, or paying bills, it's all just a few clicks away. For those who prefer using their mobile devices, our mobile application brings all these features right to your fingertips. Managing your money has never been easier with our person-to-person transfer option. You can send money to friends or family quickly and securely without needing cash or checks. Plus, with the availability of e-statements, staying on top of your account activity is simple and environmentally friendly.

Security and Accessibility

At Diamond, we prioritize your security. Our online banking platform employs strong security measures to protect your personal information. While we currently do not offer electronic signature authorization, rest assured that your transactions are safe with us. For added convenience, our mobile payments feature allows you to make purchases directly from your smartphone. It's an easy way to manage expenses while on the go. In summary, whether you're using our website at https://diamondcu.org/ or our mobile app, you'll find that managing your finances is straightforward and secure at Diamond. Experience the ease of online banking today!

Financial Strength

Growing Membership Base

We currently manage a total of 145,933 share accounts, showcasing a strong and growing member base that trusts us with their finances. Our net shares amount to $498,400, which reflects the funds available for lending and investments. In conclusion, our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Diamond is your trusted partner. Visit us at 6Th Avenue And Spruce St West Reading Pa 19611 or call (610) 326-5490 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings Options

Members' savings are secured through $245,059,109 in share certificates and $232,209,260 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 operational efficiency is reflected in our $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 202 full-time employees and 8 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvesting in Your Future

With $104,659,227 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our commitment to growth is further highlighted by our lending capacity; with $5,649 in used auto loans and $624,243,325 in total loans and leases, we support members' financial goals across various sectors.

Strong Financial Position

With a net worth of $105,167,907, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,036 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 $91,597,259 in used vehicle loans and $17,763,703 in new vehicle loans already helping members get on the road, we make it easier than ever to drive away in the vehicle you need.

Business Loans

For business owners, our outstanding commercial loans totaling $54,996,601 provide the capital needed to grow and expand. We understand that running a business comes with its own set of challenges and financial requirements. At Diamond, we're dedicated to helping our members navigate their financial journey with confidence. If you're interested in refinancing options or would like to learn more about eligibility requirements for our loan products, please don't hesitate to reach out. You can contact us at (610) 326-5490 during our operating hours from Monday to Friday, 7:30 AM - 4:00 PM. For more information about our services or how to apply for a loan, visit us online at Diamond Credit Union. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Mortgage Loans

Thinking about homeownership? Our mortgage options are designed to simplify the process of buying or refinancing your home. We offer Junior Lien 1-4 Family Residential Properties loans totaling $110,899,524, making it easier for you to find a loan that fits your budget.

Unsecured Credit Cards

We also offer flexible terms on unsecured credit card loans. With a total of $50,330,263 in loans available, our credit cards can help you manage your finances effectively while providing access to funds when you need them most.

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 rigorous sourcing process guarantees fair and transparent offers for all users.

Diamond