Ed-med Credit Union Ogdensburg NY | Affordable Auto Loans & Business Banking

Introduction

Welcome to Ed-med, your trusted financial partner located at 601 Ford St, Ogdensburg, NY 13669. Since our establishment in 1959, we've proudly served our community with a commitment to providing exceptional banking services tailored to your needs. With over 2,096 members and a robust asset base of $31,307,683, we are dedicated to fostering financial wellness among our members. At Ed-med, we understand that every financial decision counts. That's why we offer a wide range of services from checking and savings accounts to auto loans and mortgages. Our total deposits stand at an impressive $24,747,478, ensuring that your money is safe and accessible when you need it. Additionally, we are proud to maintain a net worth of $3,786,798, reflecting our stability and reliability as a credit union. Our leadership team is here to support you. Under the guidance of CEO Michael Brashaw and Board President Jeffrey Smith, our small yet dedicated team of 3 employees strives to create a welcoming environment where members feel valued and secure. We pride ourselves on being approachable; feel free to reach out to us at 315-393-2873 for any inquiries or assistance. While members can visit us at our branch location, official correspondence should be sent to the same address: 601 FORD ST, OGDENSBURG, NY 13669. Our operating hours are convenient for busy lifestyles Monday through Friday from 10 AM to 5 PM. Join us today and experience how Ed-med can help you achieve your financial goals! Whether you're looking for personal banking solutions or business services, we're here for you every step of the way. Visit our website at edmedfcu.com or call us for more information. Your financial future starts here!

Branch History & Mission

Join Us Today!

As we look towards the future, Ed-med remains committed to evolving alongside our members' needs. With innovative services like person-to-person payments and ATM availability, we ensure that banking is both simple and effective. We invite you to experience the benefits of becoming a part of Ed-med. Join us on this journey toward achieving your financial goals while being part of a caring community that values your success as much as you do. Contact us today at 315-393-2873 or visit our website for more information. Together, let's build a brighter financial future!

Our Commitment to Community

At Ed-med, we understand that our success is intertwined with the well-being of the community we serve. Our mission extends beyond just providing financial products; we strive to make a positive impact through various outreach programs and partnerships. We believe that by investing in our local community, we foster an environment where everyone can thrive. We also prioritize digital advancements to enhance member experiences. With online banking options available, members can manage their finances conveniently from anywhere. Although we currently do not offer mobile applications or drive-thru services, our commitment to accessibility includes ADA compliance and ensuring all members feel welcome at our branch. While members can visit us at 601 Ford St for their banking needs, any official correspondence should be sent to the same address. Our operating hours are Monday through Friday from 10 AM to 5 PM, making it easy for you to drop by when it suits you best.

Branch Location & Accessibility

Welcome to Ed-med, your friendly neighborhood credit union located at 601 Ford St in the heart of Ogdensburg, NY. Our branch is designed with your convenience in mind, making it easy for you to access all the financial services you need. Whether you're stopping by to open a new account or just checking your balance, we're here to help. You'll find us near popular local spots, making it simple to fit your banking needs into your busy day. Plus, our location offers ample parking and is fully accessible, ensuring everyone can visit us comfortably. Our lobby hours are Monday through Friday from 10 AM to 5 PM, providing plenty of time for you to drop in during the week. If you need cash quickly, you'll be pleased to know that we have an ATM available right at our branch for your convenience. While members can visit us at 601 Ford St, official correspondence should be sent to the same address for consistency. If you have any questions or need assistance, feel free to call us at 315-393-2873. We look forward to seeing you soon at Ed-med!

Member Eligibility

At Ed-med, we believe that everyone deserves a place in our welcoming community. Becoming a member is simple and open to those who live, work, or worship in our local area. If you're ready to enjoy the many benefits we offer like competitive loan rates, personalized service, and a range of financial products you're already halfway there! For specific eligibility criteria, feel free to check out more details. We want you to feel right at home with us. Opening an account is just as easy! Just give us a call at (315) 393-2873 during our business hours, Monday through Friday from 10 AM to 5 PM, or stop by our branch located at 601 Ford St Ogdensburg Ny 13669. Our friendly team will guide you through the process and answer any questions you might have. Join us today and experience the difference of being part of Ed-med!

Business Banking & Commercial Services

Merchant Services That Make Sense

Imagine being able to process payments quickly and easily while keeping your focus on running your business. Our merchant services provide exactly that allowing you to accept various payment methods effortlessly. This means you can spend less time worrying about transactions and more time serving your customers. Ready to take your business to the next level? Visit us at 601 Ford St, Ogdensburg, NY 13669, or give us a call at 315-393-2873 during our lobby hours from 10 AM to 5 PM, Monday through Friday. Let Ed-med be your partner in success!

Tailored Loan Options

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. Additionally, we also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions.

Comprehensive List Of Services

ATM Services

We also have ATM availability for quick access to cash whenever you need it. Whether you're out shopping or paying bills, withdrawing cash is just a few taps away. At Ed-med, we believe that banking should be straightforward and supportive. Our team is here to help you navigate your financial journey every step of the way. If you're ready to explore how we can assist you further or if you have any questions about our services, please don't hesitate to reach out at (315) 393-2873 during our lobby hours from 10 AM - 5 PM, Monday through Friday. Join us today at Ed-med where your financial success is our priority!

Business Banking

For our entrepreneur members, we also offer business banking services including merchant services and business loans. Running a business comes with its own set of challenges, but with our support, managing cash flow and funding growth can become less daunting.

Credit Cards

Don't forget about our credit cards with rewards! They are not only a great way to manage your purchases but also offer benefits that can add up over time. Picture earning points on everyday spending whether it's groceries or gas that can be redeemed for exciting rewards.

Loans and Financing

When it comes to financing, we understand that each member's situation is different. That's why we provide various loan options tailored to your needs. If you're considering buying a new car, our auto loans and vehicle financing plans make it easy to get behind the wheel without stretching your budget. For those looking to invest in real estate, our mortgage loans and refinancing options ensure you have the right support throughout the process. Need a little extra cash? Our personal loans can assist with everything from unexpected expenses to debt consolidation, making it simpler for you to regain control over your finances.

Online and Mobile Banking

In today's fast-paced world, convenience is key. That's why at Ed-med, we provide robust online and mobile banking services that allow you to handle all your transactions from the comfort of your home or on-the-go. With features like person-to-person payment options and easy access through our website at http://www.edmedfcu.com/, managing your finances has never been easier.

Personal Banking

Whether you're just starting out or looking to manage your finances more effectively, our personal banking options have you covered. We offer checking and savings accounts that cater to different lifestyles, helping you save for future goals or manage day-to-day expenses easily. Imagine having a dedicated account where your money works for you, while also enjoying the convenience of online banking. You can check balances, transfer funds, and pay bills from anywhere.

Digital & Online Banking

Accessibility and Security

Your security is our top priority. We implement strong measures to protect your personal information while making it easy for you to access your accounts. Our platform is designed for ease of use, ensuring that even those new to online banking can navigate it confidently. Join us at Ed-med today and discover how our digital banking services can simplify your financial life! For more information or to get started, visit us at http://www.edmedfcu.com/.

Key Features

One of the standout features of our online banking is the ability to perform person-to-person transfers. This means sending money to friends or family is just a few clicks away! Plus, with our e-statements available, you can keep track of your transactions without the clutter of paper statements. While we currently do not offer electronic signature authorization or mobile payment options, we focus on providing secure and reliable banking solutions that put you in control. With real-time account management, you can monitor your spending habits and stay on top of your financial goals.

Financial Strength

Growing Member Base

Our member community continues to grow strong, as reflected by the 4,382 total share accounts we manage. This shows a robust trust from our members who choose us for their financial needs. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Ed-med is your trusted partner. Visit us at 601 Ford St Ogdensburg Ny 13669 or call (315) 393-2873 to learn more about how we can help you achieve your financial goals.

Investing in Your Future

With $3,782,108 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 across various sectors, with $246 in used auto loans and $13,672,096 in total loans and leases available for your needs.

Member-Centric Savings Options

Members' savings are secured through $9,161,515 in share certificates, offering stable and rewarding financial growth opportunities. Although we have no money market shares at this time, our focus remains on delivering value directly to our members. 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 $91,072 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 3 full-time employees ready to assist you with their expertise.

Solid Financial Foundation

With a net worth of $3,786,798, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 12.09% 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. We have already provided $4,048,978 in used vehicle loans and $5,452,486 in new vehicle loans to help our members get on the road with confidence. Our flexible terms make it easy for you to choose the right financing option that fits your budget.

Credit Lines

Additionally, our total credit lines amount to $2,334,000, offering members a way to access funds as needed without the hassle of traditional loans. This flexibility can be crucial for managing unexpected expenses or planning future projects.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. Currently, we have no Junior Lien 1-4 Family Residential Properties loans available, but we are committed to helping you explore your options when you're ready to take that step.

Refinancing and Eligibility Options

If you're interested in refinancing any existing loans or exploring eligibility options for new ones, please don't hesitate to ask! We're here to guide you through the process and find solutions that work best for your situation. For performance insights and financial data sourced from the National Credit Union Administration (NCUA), visit: https://www.ncua.gov based on the latest results. At Ed-med, we strive to provide straightforward loan options tailored just for you. Whether it's an auto loan or a credit line, we're dedicated to helping you manage your finances effectively while achieving your personal goals. Reach out today and let us assist you on your financial journey!

Unsecured Credit Card Loans

For those looking for additional financial flexibility, we also offer unsecured credit card loans. While currently there are no funds allocated in this category, we provide various solutions to help you manage your finances effectively when the time is right.

Loan Aggregator

Accurate Loan Comparisons

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Benefits of Using LendMesh

- Verified Data: All loan offers are sourced from legitimate financial institutions, ensuring transparency throughout the comparison process. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results that truly reflect available options. - Real-Time Rate Comparisons: With up-to-date loan rates from multiple institutions, users can make informed decisions without delay. Thousands of users trust LendMesh for their loan comparisons. One satisfied member shared, "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This kind of feedback highlights the effectiveness of LendMesh in helping borrowers achieve better financial outcomes. Take control of your borrowing decisions today. Compare real-time loan offers at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

ED MED FEDERAL CREDIT UNION - Ogdensburg, NY

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