Directors Choice Credit Union Albany NY | Affordable Auto Loans & Business Banking

Introduction

Welcome to Directors Choice, your trusted financial partner located at 1 South Family Drive, Albany, NY 12205. Established in 1999, our credit union has been dedicated to serving our community with a personal touch and commitment to excellence. With over 772 members and $11,585,986 in total assets, we are proud to offer a range of financial services tailored to meet the unique needs of our members. At Directors Choice, we understand that every member's journey is different. That's why we provide personalized banking solutions including checking and savings accounts, auto loans, mortgage refinancing, and business banking options. Our total deposits stand at an impressive $1,586,209, reflecting the trust our members place in us. Led by our CEO Amy Lico and Board President Eugene Guarino, our team of 3 dedicated employees is here to assist you with any questions or concerns. You can reach us at 518-456-2686 during our lobby hours from Monday to Friday, 9:00 AM to 4:30 PM. While you can visit us at our branch location for all your banking needs, any official correspondence should be sent to the same address: 1 South Family Drive, Albany, NY 12205. We are committed not just to growing our assets currently at $2,512,624 in net worth but also to making a positive impact in the lives of our members. Whether you're looking for personal loans or exploring business financing opportunities with a net member business loan balance of $5,763,002, Directors Choice is here for you. Ready to take the next step towards better banking? Visit us online at Directors Choice or call us today!

Branch History & Mission

Welcome to Directors Choice, a credit union with a rich history and a strong mission to support our community in Albany, NY. Since opening our doors in 1999, we have grown alongside our members, fostering financial well-being and community spirit. With a current membership of 772, we are dedicated to providing personalized service and accessible financial products. Located at 1 South Family Drive, Albany, NY 12205, our branch is conveniently situated near local landmarks, making it easy for members to visit us during our operating hours, which are Monday through Friday from 9:00 AM to 4:30 PM. If you need to send official correspondence, please use the same address as our mailing address. At Directors Choice, we pride ourselves on being more than just a financial institution; we are part of the Albany community. Our mission is clear: we aim to deliver exceptional financial services while actively engaging in community support initiatives. We believe in empowering individuals and families by offering a range of products such as checking and savings accounts, auto loans, mortgages, personal loans, and business banking solutions. Over the years, we've made significant strides in enhancing the member experience. From implementing online and mobile banking options to ensuring ADA compliance at our branch, every step we take is focused on meeting our members' needs. Although we currently do not offer ATM services or drive-thru banking, our commitment to convenience is evident through our user-friendly digital platforms. Community outreach is at the heart of what we do. We partner with local organizations and participate in events that strengthen ties within Albany. These efforts help us connect with our members beyond their financial needs, allowing us to contribute positively to the vibrant culture of our city. As we look towards the future, we invite you to join us on this journey. Experience firsthand how becoming a member of Directors Choice can benefit you and your family. With total assets reaching over $11,585,986, we have the resources and dedication necessary to help you achieve your financial goals. Discover more about membership benefits here or take the first step towards joining us by applying online here. Let's work together towards a brighter financial future!

Branch Location & Accessibility

Accessibility Features

Accessibility is important to us. Our branch is designed to be welcoming for everyone, featuring ADA-compliant entrances and ramps. We also have ample parking available, making it easy for you to stop by without any hassle.

Contact Us

Have questions? Feel free to call us at 518-456-2686. We're here to help! Come visit us at Directors Choice today we look forward to seeing you soon!

Nearby Landmarks

If you're exploring the area, you'll find us just a short drive from local favorites like the Albany Pine Bush Preserve and the Colonie Center Mall. These landmarks make it simple to incorporate a visit to our branch into your day.

Operating Hours

We understand that life can get busy, so we offer convenient banking hours. You can visit us Monday through Friday from 9:00 AM to 4:30 PM. Whether you need help with personal banking, auto loans, or business services, our team is ready to assist you during these hours.

Services Offered

While you're here, take advantage of our range of services including checking and savings accounts, mortgage loans, vehicle financing, and even credit cards with rewards! Though we don't have ATM access or drive-thru banking at this location, our dedicated staff is always available to help you with cash withdrawal services and other needs. If you need any official correspondence sent our way, please use the same address: 1 South Family Drive, Albany, NY 12205.

Member Eligibility

At Directors Choice, we believe that becoming a member means joining a close-knit community that supports your financial goals. If you're curious about membership, you'll be happy to know that eligibility is open to individuals who live, work, worship, or attend school in our service area. We welcome anyone who shares our values and vision for building a brighter financial future together. For the latest details on who can join us, take a look at our eligibility criteria at http://www.directorschoicecu.com/dccu/membership-benefits . Opening an account is straightforward and designed with you in mind! You can start your journey toward membership by visiting us at https://amimembernet.com/dccu/loan-application . If you have any questions along the way, don't hesitate to reach out to us at (518) 456-2686. We're here to help you every step of the way! Join us at 1 South Family Drive Albany Ny 12205 and experience the benefits of being part of the Directors Choice family.

Business Banking & Commercial Services

Merchant Services That Work for You

Imagine running your business with ease, knowing that your payment processing is efficient and reliable. Our merchant services offer everything from card processing to online payment solutions, making transactions smoother for both you and your customers. This allows you to focus on what matters most growing your business. Located at 1 South Family Drive Albany Ny 12205, Albany, NY 12205, our dedicated team is here to help you navigate your financial needs. For more information or to discuss how we can support your business, give us a call at (518) 456-2686. Let's work together to unlock the potential of your business!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $168 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $5,758,529, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Banking Services

At Directors Choice, we also recognize the importance of supporting local businesses. Our Business Banking solutions include Merchant Services & Business Loans, helping entrepreneurs get the funding they need while streamlining their payment processes.

Flexible Loan Choices

For those unexpected expenses or plans that require a little extra cash, we offer Personal Loans & Debt Consolidation services. These loans can help you manage debt more effectively or fund personal projects without the stress of high interest rates. Additionally, our Credit Cards with Rewards are a great way to earn points on everyday purchases while enjoying benefits like cash back and travel rewards.

Home Financing Options

When it comes to owning a home, we understand how important it is to have the right mortgage. Our Mortgage Loans & Refinancing services provide flexible terms and competitive rates, making your dream of homeownership more attainable. Plus, if you're facing challenges with existing loans, our refinancing options can help ease your financial burden.

Modern 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, anywhere. From checking balances and transferring funds to paying bills on the go, we've made banking accessible and user-friendly. Our members also benefit from ATM & Cash Withdrawal Services for additional flexibility. We invite you to explore all that Directors Choice has to offer. For inquiries or assistance with any of our services, please don't hesitate to call us at 518-456-2686 during our lobby hours from Monday through Friday, 9:00 AM to 4:30 PM. Join us today and experience financial services designed with you in mind! Visit our website at http://www.directorschoicecu.com/ for more information on how we can assist you further.

Personal Banking Solutions

Whether you're just starting to manage your finances or looking to enhance your savings strategy, our personal banking options are designed to help you thrive. We offer various Checking & Savings Accounts tailored for different lifestyles, ensuring you have easy access to your funds while earning competitive interest rates. If you're in the market for a new vehicle, consider our Auto Loans & Vehicle Financing options that make purchasing or refinancing a car simple and straightforward.

Digital & Online Banking

Always Accessible

Whether you're at home or on the go, Directors Choice provides you with real-time account management tools that are easy to use. Our mobile payments feature may not be available just yet, but we are committed to enhancing your banking experience continually. With everything at your fingertips, staying on top of your finances has never been more accessible. For more details about our digital services or to get started today, visit us online at http://www.directorschoicecu.com/ !

Key Services

Our online banking system allows you to check your balances, transfer funds, and pay bills anytime, anywhere. If you're looking to send money quickly to friends or family, our person-to-person transfer feature makes it simple and fast. Plus, with our user-friendly mobile application available for download, you can keep track of your accounts right from your phone.

Security and User-Friendliness

We prioritize your security while ensuring that our digital banking experience is straightforward. Although we don't currently offer electronic signature authorization, rest assured that your information is protected with the latest security measures. You can also opt for e-statements, allowing you to view and manage your financial documents securely without the clutter of paper statements.

Financial Strength

A Trusted Partner for Your Finances

Total Share Accounts: 1,259 showcase 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, Directors Choice is your trusted partner. Visit us at 1 South Family Drive Albany NY 12205 or call 518-456-2686 to learn more about how we can help you achieve your financial goals.

Commitment to Growth

With $2,476,298 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Our ability to lend is reflected in the $8,596,438 total loans & leases, which supports members' financial goals across various sectors.

Efficient Operations

Our operational efficiency is evident with a net income of $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 2 full-time employees and 1 part-time employee, ensuring our branches are always ready to serve you with a knowledgeable and committed team.

Member-Centric Savings Options

Members' savings are secured through $4,547,319 in share certificates and $1,266,406 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $745,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Solid Financial Health

With a net worth of $2,512,624, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 21.68% 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 $774,253 in used vehicle loans and $1,180,680 in new vehicle loans already helping members get on the road. We provide financing options for both new and used vehicles, ensuring you have access to funds when you need them.

Business Loans

For business owners, our outstanding commercial loans totaling $5,758,529 provide the capital needed to grow and expand. We understand that running a business comes with its own challenges and opportunities; our team is here to support you through every step. At Directors Choice, we also offer refinancing options for many of our loan products. If you're interested in exploring eligibility options or want more information about how our loans can work for you, feel free to contact us at 518-456-2686 or visit us at 1 South Family Drive, Albany NY 12205. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Let us help you take the next step toward achieving your financial dreams!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. Currently, we do not have any Junior Lien 1-4 Family Residential Properties loans available; however, our team is always ready to assist you with finding the right mortgage solution tailored to your needs.

Unsecured Credit Cards

Managing day-to-day expenses can be easier with our flexible unsecured credit card loans. While we currently do not have any outstanding balances in this category, we are committed to providing options that help our members manage their finances effectively.

Loan Aggregator

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Ensuring 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 commitment to using verified sources ensures that users receive fair and transparent offers. By focusing on accurate data, LendMesh empowers users to make well-informed decisions about their borrowing options.

DIRECTORS CHOICE CREDIT UNION