Edifi Credit Union Egg Harbor Twp NJ | Best Auto Loans & Business Banking

Introduction

Welcome to Edifi, your trusted partner in financial services since 1958! Located at 6718 Black Horse Pike, Egg Harbor Twp, NJ 08234, we are proud to serve our community with a strong commitment to helping you achieve your financial goals. With over 27,000 members and total assets amounting to an impressive $239,942,952, we understand the importance of providing personalized and reliable banking solutions. At Edifi, we believe that everyone deserves access to quality financial products tailored to their unique needs. Whether you're looking for auto loans, mortgage options, or business financing, our team is here to support you every step of the way. We currently manage $2,952,151 in deposits and have facilitated 10,387 loans and leases, ensuring that your money works as hard as you do. Our dedicated CEO, Jill Peterson, along with Board President John Agner, leads a passionate team of 79 employees who are always ready to assist you. While you can visit us at our branch for all your banking needs, please note that official correspondence should be sent to our mailing address: P.O. Box 247, Rancocas, NJ 8073. With a focus on community impact and member satisfaction, we invite you to explore how Edifi can help improve your financial well-being. If you have any questions or would like to learn more about our services, don't hesitate to reach out at 800-225-1859. We're here for you! For more information about our offerings or to open an account online, visit us at Edifi. Let's embark on this financial journey together!

Branch History & Mission

Community Commitment

At Edifi, we understand that being a good neighbor goes beyond providing financial solutions. We regularly partner with local charities and initiatives aimed at making a positive impact on our community's well-being. This includes supporting educational programs and participating in events that foster community spirit. As we look forward to the future, we remain dedicated to innovation while ensuring that every member feels valued and supported. We invite you to join us on this journey experience the benefits of becoming an Edifi member today! For more information on how you can become part of our family or explore our services further, visit Edifi or call us at 800-225-1859. Together, let's build a brighter financial future!

Our Journey

Located at 6718 Black Horse Pike, Egg Harbor Twp, NJ 08234, Edifi has become a trusted financial partner for many families and businesses. Our journey began more than six decades ago with a mission to provide accessible and affordable financial services tailored to our members' needs. As we evolved, we embraced new technologies while maintaining our core values of trust and community focus. Edifi has always been about more than just banking; we believe in empowering individuals and enhancing lives. From personal banking services like checking and savings accounts to auto loans and mortgage options, our offerings are designed to help our members achieve their financial goals. We also actively engage with local organizations and participate in outreach programs that uplift our community. While members can visit us at 6718 Black Horse Pike Egg Harbor Twp Nj 08234, official correspondence should be sent to P.O. Box 247, Rancocas, NJ 8073.

Our Mission

Our mission is simple yet profound: to enrich the lives of our members through exceptional financial services while supporting the communities we serve. We strive to provide personalized service that meets individual needs whether that's helping someone secure their first car loan or guiding a business through its growth journey. With operating hours designed for convenience Monday and Friday from 7:30 AM to 6:00 PM, and Tuesday through Thursday from 9:00 AM to 5:00 PM our team is always ready to assist you. Additionally, we offer ATM access for easy cash withdrawals and balance checks.

Branch Location & Accessibility

Convenient Access and Facilities

At Edifi, we prioritize your convenience. Our branch features ample parking and is designed to be welcoming and accessible for everyone. With ADA-compliant facilities, including ramps and designated parking spaces, we ensure that all members can visit us with ease. While you can handle most banking needs right here, remember that official correspondence should be sent to our mailing address at P.O. Box 247, Rancocas, NJ 8073.

Operating Hours That Fit Your Schedule

Our operating hours are tailored to suit your busy lifestyle. We welcome you from 7:30 AM to 6:00 PM on Mondays and Fridays, while Tuesday through Thursday, we're open from 9:00 AM to 5:00 PM. This flexibility allows you to manage your banking around your schedule.

Services Designed for You

At Edifi, we offer a wide array of services designed to meet your financial needs from personal banking solutions like checking and savings accounts to auto loans and mortgage refinancing options. Need cash? Our ATM is available for quick access to your funds. Although we don't currently offer drive-thru service, our friendly team is always ready to assist you inside the branch. We invite you to visit us at Edifi or give us a call at 800-225-1859 if you have any questions or need assistance. We're here to help you navigate your financial journey!

Member Eligibility

Becoming a member of Edifi is like joining a family where your financial well-being is our top priority. We welcome anyone who lives, works, or worships in the Egg Harbor Township area, as well as their immediate family members. This means that if you have a connection to our community, you're already eligible to enjoy the many benefits we offer! From personalized service to competitive rates on loans and savings accounts, being part of Edifi means having access to resources designed with your needs in mind. Ready to take the next step? Opening an account is simple and straightforward. You can find all the details you need by visiting our eligibility page at http://www.abcofcu.org/become-a-member . If you have any questions or need assistance, feel free to give us a call at (800) 225-1859. We're here to help you every step of the way!

Business Banking & Commercial Services

Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $19 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $16 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $5,274,212, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, we provide essential merchant services that make everyday operations easier. From payment processing to cash management, our services streamline transactions so you can focus on what you do best running your business. Imagine having quick access to funds when a big opportunity arises or effortlessly managing customer payments; these are just a few ways we empower local businesses at our branch located at 6718 Black Horse Pike, Egg Harbor Twp, NJ 08234. When you're ready to take your business to the next level, reach out to us at 800-225-1859 or visit us during our lobby hours for personalized assistance. Let's work together to create your success story!

Comprehensive List Of Services

Business Banking Solutions

For our entrepreneurial members, we haven't forgotten about you! Our Business Banking services, including Merchant Services and Business Loans, are crafted to help you thrive in today's competitive landscape. We know how important it is for businesses to have reliable banking solutions at their fingertips.

Convenient Access Anytime

In today's busy world, convenience is key. That's why we offer robust ATM & Cash Withdrawal Services, allowing you easy access to your funds whenever you need them. With basic ATM access for withdrawals and balance checks, managing your finances has never been simpler. Whether you're at home or on the go, we're committed to making banking accessible and hassle-free. At Edifi, we're more than just a credit union; we're your financial partner dedicated to supporting your journey toward financial wellness. Visit us at 6718 Black Horse Pike Egg Harbor Twp Nj 08234, call us at (800) 225-1859, or explore our services online at Egg Harbor Township. Join us today and discover how we can help you achieve your financial goals!

Financing Your Dreams

When it comes to making significant purchases, like buying a car or a home, our loan options are designed to support you. Our Auto Loans & Vehicle Financing provide competitive rates and flexible terms, making it easier than ever to get behind the wheel of a new vehicle. If you're considering purchasing a home or refinancing your current mortgage, our Mortgage Loans & Refinancing services will guide you through the process smoothly. For those times when unexpected expenses arise, our Personal Loans & Debt Consolidation options can offer relief by combining debts into one manageable payment. You'll appreciate having that extra financial cushion when life throws a curveball.

Personal Banking Made Easy

We understand that managing finances can sometimes feel overwhelming. That's why we offer Personal Banking services that simplify the process. With Checking & Savings Accounts, you can easily manage your day-to-day transactions and save for your goals. Imagine being able to check your balance or transfer funds with just a few taps on your phone through our Online & Mobile Banking services.

Rewarding Credit Options

Looking for ways to earn while you spend? Our Credit Cards with Rewards are perfect for members who want to make the most out of their purchases. Earn points for cash back or travel rewards it's a simple way to benefit from everyday spending.

Digital & Online Banking

Key Features

Our online banking features include electronic signature authorization for quick and secure transactions. This means you can sign documents digitally without the hassle of printing or mailing them. Additionally, e-statements are available, allowing you to view and download your account statements anytime helping you stay organized and reduce paper clutter. For those who love convenience, we offer mobile payments that let you make purchases right from your phone. Plus, with our person-to-person transfer feature, sending money to friends or family is as simple as a text message. No more waiting for checks to clear!

Security and Support

Your security is our top priority. Our online banking platform utilizes advanced encryption technology to keep your personal information safe. You can bank confidently knowing that we take every precaution to protect your data. At Edifi, we're here to support you every step of the way. If you have questions about our digital services or need assistance navigating our website or app, don't hesitate to reach out at (800) 225-1859. Experience the ease and efficiency of banking with us today!

Financial Strength

Commitment to Growth

With $17,503,382 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 members' financial goals across various sectors with $1,707 in used auto loans and $130,087,520 in total loans and leases.

Growing Membership Base

Total Share and Deposit Accounts: 47,130, showing a strong and growing member base that trusts us with their finances. This trust fuels our commitment to providing you with exceptional service every day. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Edifi is your trusted partner. Visit us at 6718 Black Horse Pike Egg Harbor Twp Nj 08234 or call (800) 225-1859 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings Options

Members' savings are secured through $27,044,805 in share certificates and $36,968,640 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 $-291,707 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 77 full-time employees and 2 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Solid Financial Foundation

With a net worth of $22,025,666, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $918 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 $28,051,193 in used vehicle loans and $7,960,118 in new vehicle loans already helping members get on the road. We also provide refinancing options if you're looking to lower your monthly payments or consolidate existing loans.

Business Loans

For business owners, our outstanding commercial loans totaling $5,274,212 provide the capital needed to grow and expand your business operations. At Edifi, we are committed to supporting our community's financial health and success. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Whether you're considering an auto loan or exploring mortgage options, we're here to assist you every step of the way. Visit us today or check out our website at https://www.edificu.com/ for more information on how we can help with your financial needs!

Credit Lines

For those who prefer flexibility in their borrowing options, our total credit lines amount to $35,000,000. This feature allows you to draw funds as needed while only paying interest on what you use.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $33,611,954, make buying or refinancing simple. We can guide you through the eligibility process so that you can find a solution that fits your budget.

Unsecured Credit Card Loans

Managing everyday expenses can be challenging; that's why we also offer flexible terms on unsecured credit card loans. With a total of $10,481,196 in loans helping members manage their finances effectively, you can enjoy peace of mind knowing that you have access to funds when you need them most.

Loan Aggregator

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EDIFI FEDERAL CREDIT UNION