Earning Tree Credit Union Wilkes Barre PA | Affordable Auto Loans & Business Banking

Introduction

Welcome to Earning Tree, your trusted financial partner right here in Wilkes Barre, PA. Located at 87 N Main St, Wilkes Barre, PA 18701, we have been serving our community since 1958. With a commitment to providing personalized banking solutions, we proudly support our 1,963 members with a wide range of services tailored to their needs. At Earning Tree, we understand that financial choices can be daunting. That's why our dedicated team is here to guide you every step of the way. Under the leadership of our CEO Wendy Stout and Board President Joseph Bruno, we have built a solid foundation based on trust and reliability. Our credit union currently boasts total assets of $43,265,783 and total deposits reaching $6,498,140, reflecting our members' confidence in us. We offer various services including personal banking accounts, auto loans, mortgages, and business banking options. With a total of 418 loans and leases issued, we're committed to helping you achieve your financial goals whether it's buying your dream car or refinancing your home. While members can visit us at our branch for all their banking needs, official correspondence should be sent to our mailing address: PO Box 1234, Wilkes Barre, PA 18703. Our doors are open Monday through Saturday with flexible hours to accommodate your busy schedule. Your financial journey is important to us. Feel free to reach out at 570-825-8150 or explore more about us on our website at Earning Tree. We invite you to become part of our thriving community where your financial success is our top priority!

Branch History & Mission

Join Us

As we continue to grow and evolve with technology providing online banking options and mobile accessibility we remain committed to serving you personally. Our doors are open during convenient hours: Monday through Wednesday and Friday from 9:00 AM to 4:30 PM; Thursday until 4:45 PM; and Saturday from 9:00 AM until 11:30 AM. Join us at Earning Tree today! Experience firsthand the benefits of being part of a community-focused credit union dedicated to your success. Call us at 570-825-8150 or visit our website here for more information on how you can become a member. Together, let's nurture your financial future!

Our Mission

At Earning Tree, our mission is clear: to enrich the lives of our members and enhance the communities we serve. We believe in offering not just financial products but also support systems that foster growth and stability. Our goal is to empower individuals with the tools they need to achieve their dreams whether it's buying a new car, purchasing a home, or starting a business. We take pride in being more than just a credit union; we are an integral part of Wilkes Barre's fabric. Our initiatives include partnerships with local organizations that promote education and sustainability. We actively engage in community outreach efforts designed to uplift those around us. While you can visit us at 87 N Main St, official correspondence should be sent to PO Box 1234, Wilkes Barre, PA 18703 if necessary. For your convenience, we offer ATM services and shared service center access to make banking easier for you.

Our Story

Earning Tree was founded with a simple yet powerful idea: to provide accessible financial services while supporting local growth. With a commitment to building lasting relationships, we started with a small group of dedicated members who shared a vision of mutual aid and empowerment. Over the years, we have expanded our reach and services, currently boasting a membership of 1,963 individuals who trust us with their financial needs. Our journey has been marked by significant milestones, including achieving total assets of $43,265,783. This growth reflects our commitment to sound financial practices and our focus on delivering value to our members. Whether through personal banking services like checking accounts and auto loans or business banking solutions, we strive to meet the diverse needs of our community.

Branch Location & Accessibility

Operating Hours

At Earning Tree, we understand that life can get busy. That's why we offer convenient operating hours to suit your schedule. You can visit us Monday through Wednesday and Friday from 9:00 AM to 4:30 PM, Thursday until 4:45 PM, and on Saturday mornings from 9:00 AM to 11:30 AM. We're always ready to help during these hours!

Services Available

Our branch provides a wide range of services tailored to meet your personal and business banking needs. From checking and savings accounts to auto loans, mortgage options, and even credit cards with rewards there's something for everyone! Plus, with ATM availability on-site and shared service center access for partner credit union members, managing your finances has never been easier. Though we do not have drive-thru banking, our dedicated staff is here to ensure that your experience is smooth and efficient. If you have any questions or need assistance, don't hesitate to give us a call at 570-825-8150. We invite you to stop by Earning Tree today! Your financial goals are important to us, and we look forward to serving you.

Member Eligibility

At Earning Tree, we believe that everyone deserves a place in our community. Becoming a member is not just about opening an account; it's about joining a family that supports each other. If you're curious about eligibility, we welcome individuals who live, work, or worship in our area, as well as their family members. This inclusive approach means that whether you're just starting out or looking to enhance your financial journey, there's a spot for you here. To get started, simply visit us at our friendly branch located at 87 N Main St Wilkes Barre Pa 18701. Our team is ready to assist you with the straightforward account-opening process. Feel free to give us a call at (570) 825-8150 if you have any questions or want more information about how you can become part of the Earning Tree family. For detailed eligibility criteria, check out our website at . We can't wait to welcome you!

Business Banking & Commercial Services

Commercial Loans for Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services That Work for You

In addition to loans, we offer tailored merchant services that simplify payment processing and enhance customer experiences. Imagine accepting payments seamlessly through various platforms, allowing you to focus on what you do best running your business. Whether you're a local retailer or a service provider, our merchant services are designed to fit your unique needs. Visit us at 87 N Main St Wilkes Barre Pa 18701 in Wilkes Barre, PA, or give us a call at (570) 825-8150 to learn more about how our business banking solutions can help you achieve your goals. Together, we can pave the way for your success!

Comprehensive List Of Services

Accessibility and Convenience

At Earning Tree, we understand that convenience is crucial. That's why we offer online and mobile banking features that allow you to manage your accounts effortlessly. You can perform basic transactions such as deposits and withdrawals through shared branches if you're a member of partner credit unions. Plus, our ATM services ensure quick cash access whenever you need it. For inquiries or assistance, feel free to reach us at 570-825-8150 during our lobby hours: Monday through Wednesday and Friday from 9:00 AM to 4:30 PM; Thursday until 4:45 PM; and Saturday until 11:30 AM. In summary, whether you are looking for personal banking solutions, financing options for major purchases, or supportive services for your business, Earning Tree is here for you every step of the way. Visit us today or check out our website at etreefcu.com to learn more about how we can assist you in achieving your financial goals!

Business Banking

If you're a business owner, we haven't forgotten about you! Our business banking services include merchant services and business loans aimed at helping you grow your enterprise. With the right financial tools at your disposal, you'll be equipped to take on any challenge that comes your way.

Loans and Financing

When it comes to securing a loan, Earning Tree has several competitive options. We provide auto loans and vehicle financing solutions that make purchasing your dream car easier than ever. Whether you're buying new or used, our rates are designed to fit your budget. Additionally, if you're considering homeownership or refinancing, our mortgage loans can guide you through the process smoothly. For those facing unexpected expenses or wishing to consolidate debt, our personal loans offer flexibility and straightforward terms. You'll find that we also provide credit cards with rewards, perfect for everyday purchases while earning benefits.

Personal Banking

We offer various personal banking options, including checking and savings accounts tailored to help you manage your finances effectively. Imagine having the peace of mind that comes with knowing your money is secure while earning interest in your savings. Our accounts are user-friendly and come with convenient online and mobile banking features, so you can access your funds anytime and anywhere.

Digital & Online Banking

Key Services

With our 24/7 online banking, you can check your account balance, transfer funds, and pay bills without ever stepping foot in a branch. This means you have control over your finances right at your fingertips, whether you're at home or on the go. Plus, our mobile application makes it even easier to manage your accounts from your smartphone. Need to send money to a friend? Our person-to-person transfers allow you to do just that quickly and securely. Whether it's splitting a dinner bill or paying back a loan, sending money has never been simpler.

Security and User-Friendliness

We prioritize your security with features that keep your information safe while being easy to use. Although we don't currently offer electronic signature authorization or e-statements, our platform is designed with user-friendly navigation so you can easily find what you need. While mobile payments aren't available yet, our online banking system ensures that every transaction you make is secure and protected. We know how important it is for our members to feel confident in their banking choices. In summary, at Earning Tree, we strive to provide accessible and efficient digital banking solutions tailored for you. Experience real-time account management today visit us online at https://etreefcu.com/ !

Financial Strength

A Growing Membership

With a total of 2,881 share accounts, our growing member base reflects the trust others have placed in us as their primary financial partner. We're committed to continuing this trend by offering you secure savings opportunities along with various account types suited to your lifestyle. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Earning Tree is your trusted partner. Visit us at 87 N Main St Wilkes Barre Pa 18701 or call (570) 825-8150 to learn more about how we can help you achieve your financial goals.

Dedicated Team

We also take pride in having 2 full-time employees and 3 part-time employees ready to serve you with knowledgeable support every step of the way. Your trust is paramount, and our team works diligently to ensure your banking experience is smooth and satisfying.

Member-Centric Approach

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. Our commitment to your financial well-being is reflected in the $4,688,023 in undivided earnings which allow us to reinvest in innovative banking tools and stronger lending options.

Strong Financial Health

With a net worth of $4,688,031, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,084 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Supporting Your Financial Goals

Our lending capacity supports your financial goals across various sectors. With $113 in used auto loans and $7,201,464 in total loans and leases, we are here to help you make those important purchases. Our operational efficiency shines through with a net income of $0, enabling us to keep offering competitive loan rates and solid financial products tailored for our 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 $1,787,840 in used vehicle loans and $1,159,119 in new vehicle loans already helping members get on the road. We also provide financing for both new and used vehicles to ensure you find the right fit for your budget.

Credit Lines

Our total credit lines amount to $306,000, providing additional flexibility for personal or business needs. These lines can be a great way to cover unexpected expenses or finance projects without having to apply for a separate loan. At Earning Tree, we're committed to helping our members thrive financially. If you're considering refinancing or exploring eligibility options for any of our products, don't hesitate to ask we're here to assist you every step of the way. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. We invite you to visit us or call with any questions about how our loan offerings can help meet your financial needs.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $1,320,834, making buying or refinancing simple. We strive to make the process straightforward so that you can focus on making your house a home.

Unsecured Credit Card Loans

For those looking for flexible borrowing solutions, we offer unsecured credit card loans. While currently totaling $0, these options are designed to help members manage their finances effectively when they become available.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring Accurate Loan Comparisons

LendMesh takes pride in its commitment to transparency and accuracy. 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 compliance guarantees that users receive fair and transparent offers tailored to their financial needs.

EARNING TREE FEDERAL CREDIT UNION