Educational And Governmental Credit Union Hartsdale NY | Best Auto Loans & Business Banking

Introduction

Welcome to Educational And Governmental Credit Union, your trusted financial partner located at 333 N Central Ave Fl 2, Hartsdale, NY 10530. Established in 1937, we have proudly served our community for over 85 years, growing alongside our members and adapting to their evolving needs. With a strong focus on providing personalized banking services, we are committed to fostering financial well-being for our 5,691 members. At Educational And Governmental, we understand that every member's journey is unique. That's why we offer a wide range of services, including checking and savings accounts, auto loans, mortgage options, and credit cards with rewards. Our total assets currently stand at an impressive $51,717,588, reflecting our stability and dedication to sound financial practices. We are also proud of our robust lending portfolio, which includes 1,350 loans and leases tailored to fit the diverse needs of our community. With total deposits amounting to $6,241,966, our members can rest assured that their funds are safe and growing. Our net worth of $5,591,095 underscores our commitment to maintaining a healthy balance sheet while providing exceptional service. Led by our CEO Garrett Gizowski and Board President Rochelle Retleff, our small yet dedicated team of 10 employees works tirelessly to ensure that each member receives the attention they deserve. Whether you're looking for straightforward banking solutions or more complex financing options, we are here to help you navigate your financial journey with confidence. While you can visit us at our branch location for all your banking needs, please note that official correspondence should be directed to 333 North Central Ave Fl 2, Hartsdale, NY 10530-1811 if you prefer mailing. Ready to take the next step in your financial journey? Give us a call at 914-946-6200 or visit us online at www.egefcu.com today! We look forward to welcoming you into the Educational And Governmental family!

Branch History & Mission

At Educational And Governmental, we pride ourselves on our rich legacy and commitment to serving the community since we opened our doors in 1937. Located at 333 N Central Ave Fl 2 in Hartsdale, NY, our branch has grown from humble beginnings to become a trusted financial partner for over 5,600 members. With total assets of $51,717,588, we are dedicated to providing exceptional financial services while fostering a sense of belonging and support within our community. Throughout our history, we've continually evolved to meet the needs of our members. From our early days focused primarily on educational and governmental employees, we have expanded our services to include personal banking, auto loans, mortgages, and business banking options. Our mission is clear: to empower individuals with the financial tools they need to achieve their goals while actively contributing to the welfare of our community. Our branch operates under a strong mission statement that emphasizes not just financial growth but also community support. We aim to provide personalized service that reflects our understanding of each member's unique circumstances. Whether it's offering competitive loan rates or helping families save for their future, we are here every step of the way. For those who wish to reach out or visit us, while members can come by at 333 N Central Ave Fl 2 Hartsdale Ny 10530, official correspondence should be sent to 333 North Central Ave Fl 2, Hartsdale, NY 10530-1811 if different from our branch address. We understand that convenience matters; that's why we offer ATM availability and drive-thru banking services for quick transactions. Additionally, our operating hours cater to busy schedules so that you can access your accounts when it suits you best. As a credit union rooted in community values, we also take pride in our partnerships and outreach efforts. We actively participate in local events and initiatives aimed at uplifting those around us. Our commitment extends beyond just banking; we strive to make a meaningful impact in Hartsdale and beyond. We invite you to join Educational And Governmental today! Experience firsthand how we blend financial expertise with genuine care for our members and the community. Together, let's build a brighter financial future. For more information about membership or services, feel free to call us at (914) 946-6200 or visit our website at https://egefcu.com/ .

Branch Location & Accessibility

Welcome to Educational And Governmental! Conveniently located at 333 N Central Ave Fl 2 Hartsdale Ny 10530 in beautiful Hartsdale, NY, our branch is here to serve you. Whether you're stopping by for personal banking or need assistance with loans and credit cards, we make it easy for our members to access the services they need. While members can visit us at 333 N Central Ave Fl 2 Hartsdale Ny 10530, official correspondence should be sent to 333 North Central Ave Fl 2, Hartsdale, NY 10530-1811. We are situated near local landmarks, making it simple to find us. Parking is available, ensuring that your visit is hassle-free. Our branch is also ADA compliant, featuring ramps and accessible entrances for all our members. At Educational And Governmental, we're proud to offer a range of banking services tailored to meet your needs. Enjoy the convenience of our ATM availability and drive-thru banking, perfect for quick transactions like deposits and withdrawals. Our operating hours are designed with you in mind, allowing you flexibility throughout your busy week. Feel free to reach out with any questions at (914) 946-6200. We invite you to come by and see how we can assist you on your financial journey today!

Member Eligibility

Joining the Educational And Governmental family is more than just opening an account; it's about becoming part of a community that values you. To become a member, you'll need to meet a few friendly criteria. If you live, work, or go to school in Westchester County, or if you're a family member of someone who does, you're likely eligible for membership! Plus, our services are designed to support your financial journey with competitive rates and personalized assistance. For all the specifics on eligibility and to ensure you meet the requirements, feel free to check out our detailed guidelines at this link. Once you know you're eligible, opening an account is easy! Just visit us at 333 N Central Ave Fl 2, Hartsdale, NY 10530, or give us a call at 9149466200 for any questions. We're here to help you every step of the way as you take this exciting step toward financial empowerment. Explore our offerings and see how we can support your goals today!

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 Make Life Easier

Imagine streamlining your payments and enhancing customer satisfaction all at once. Our merchant services offer just that. Whether you need point-of-sale systems or online payment processing, we provide tools that make transactions smooth and easy. This means less time worrying about logistics and more time focusing on what truly matters growing your business. At Educational And Governmental, located at 333 N Central Ave Fl 2 Hartsdale Ny 10530, we are here to partner with you every step of the way. Let's work together to build a brighter future for your business!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

If you're in the market for a new car, our Auto Loans & Vehicle Financing options can help make your dreams come true. Picture driving off in your new vehicle without the stress of complicated financing our straightforward application process means you can focus more on choosing the right car and less on the paperwork.

Business Banking Services

For our business members, we offer comprehensive Business Banking services including Merchant Services & Business Loans. If you're running a small business, imagine having a partner who understands your needs and helps facilitate growth through tailored financial products.

Convenient Access

We also ensure ease of access with features like ATM & Cash Withdrawal Services available at our branch and throughout our network. Need to make a quick deposit or withdrawal? Our Basic Drive-Thru Banking allows for simple transactions without stepping inside the branch, making it easier than ever to manage your finances on-the-go. For those who prefer digital solutions, our robust Online & Mobile Banking platforms mean you can handle most tasks right from your smartphone or computer whether it's checking balances, paying bills, or transferring funds.

Credit Cards with Rewards

Our Credit Cards with Rewards are designed for everyday use while giving you something back. Think about earning points on purchases that lead to exciting rewards like travel or cash back that enhance your lifestyle.

Home Financing Options

Homeownership is within reach thanks to our Mortgage Loans & Refinancing services. Whether you're buying your first home or looking to lower your monthly payments through refinancing, we're here to guide you through each step. You'll appreciate how easy it is to get the assistance you need from knowledgeable staff who genuinely care about helping you achieve your goals.

Personal Banking Solutions

Whether you're saving for a dream vacation or managing day-to-day expenses, our Personal Banking services have you covered. We provide Checking & Savings Accounts that are easy to open and manage. Imagine having access to your funds whenever you need them, with online and mobile banking features that let you check balances and transfer money from the comfort of your home.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way. That's where our Personal Loans & Debt Consolidation come into play. With flexible terms and competitive rates, we can help simplify your finances so you can focus on what really matters like spending time with family or pursuing new opportunities.

Ready to Get Started?

At Educational And Governmental in Hartsdale, NY, we strive to be more than just a financial institution; we aim to be a trusted partner in your financial journey. To learn more about how our services can benefit you personally or professionally, give us a call at 914-946-6200, or visit us online at egefcu.com. We look forward to serving you!

Digital & Online Banking

E-Statements and Mobile Application

Say goodbye to paper clutter with our e-statements. You can easily opt in to receive your account statements electronically, which not only keeps your information secure but also helps the environment. The best part? You'll have instant access to your financial history whenever you need it. For those on the go, our mobile application makes banking even more convenient. With it, you can deposit checks, transfer money between accounts, and keep track of your spending right from your smartphone. We've designed the app to be user-friendly so that you can navigate through it effortlessly.

Person-to-Person Transfers and Mobile Payments

While we currently do not offer person-to-person transfers or mobile payments at this time, we're always looking for ways to enhance our services based on member needs. We value your feedback and are committed to providing tools that make managing your money easier. With all these features combined, Educational And Governmental ensures that you have access to secure and efficient banking solutions. Our goal is to help you achieve financial peace of mind while enjoying the flexibility that modern technology provides. For more information about our digital banking options, visit us today!

Financial Strength

Growing Together

Total Share Accounts stand at 10,003, illustrating a strong and growing member base that trusts us with their finances. This growth reflects our ongoing dedication to serving you better every day. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Educational And Governmental is your trusted partner. Visit us at 333 N Central Ave Fl 2 Hartsdale Ny 10530 or call 914-946-6200 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

Members' savings are secured through $1,812,718 in share certificates and $6,908,568 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 net income of $0, showing our commitment to managing resources wisely while still providing competitive products for our members. We also take pride in having 9 full-time employees and 1 part-time employee, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvesting for You

With $5,546,323 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 with $14,436,347 in total loans and leases.

Solid Financial Health

With a net worth of $5,591,095, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 10.80% 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 $3,614,849 in used vehicle loans and $1,861,352 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new vehicle or a reliable used car, we're here to assist you every step of the way.

Credit Lines

For those looking for flexibility, our credit lines provide up to $5,000,000 in available funds. This is an excellent option for managing unexpected expenses or funding personal projects without taking on long-term debt. We also recognize that refinancing may be a consideration for many members. If you're looking to lower monthly payments or consolidate debt, our team can guide you through available refinancing options that might suit your needs. For more information about our loan offerings or eligibility criteria, feel free to reach out at (914) 946-6200 or visit our website at https://egefcu.com/ . Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. At Educational And Governmental, we're dedicated to helping you navigate your financial journey with confidence and ease.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $808,412, make buying or refinancing simple. We provide various mortgage solutions tailored to your unique circumstances, ensuring you have access to funding when you need it most.

Unsecured Credit Card Loans

Managing finances can be easier with the right tools. We also offer flexible terms on unsecured credit card loans, with a total of $435,804 in loans helping members manage their finances effectively. Our credit cards come with rewards and low-interest options to help you make the most out of your spending.

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EDUCATIONAL AND GOVERNMENTAL FEDERAL CREDIT UNION