Financial Trust Orchard Park NY Credit Union | Best Auto Loans & Business Banking

Introduction

Welcome to Financial Trust, your community-focused credit union located at 6520 Webster Rd, Orchard Park, NY 14127. Since our establishment in 1950, we have proudly served over 13,774 members, providing them with reliable financial services tailored to meet their needs. With total assets exceeding $175,409,585 and deposits amounting to $5,397,684, we are committed to fostering financial well-being for all our members. At Financial Trust, we understand the importance of building lasting relationships within our community. Whether you're seeking personal banking solutions like checking and savings accounts or looking for competitive auto loans and mortgage refinancing options, we have you covered. Our dedicated team of 27 employees, led by CEO John Morrison and Board President Timothy Oldenburg, is here to ensure your experience is both welcoming and rewarding. While you can visit us at our branch location for any inquiries or transactions, please note that official correspondence should be directed to the same address: 6520 Webster Rd, Orchard Park, NY 14127. We also offer a range of modern banking services through our online platform at financialtrustfederalcreditunion.com, allowing you to manage your finances conveniently from anywhere. Our commitment goes beyond just providing financial services; we strive to make a positive impact in our community. With a strong net worth of $25,531,586 and cash reserves totaling $3,499,903, we are well-positioned to support local initiatives and empower our members financially. We invite you to reach out to us at 716-831-3007 or visit us during our operating hours Monday through Friday to explore how Financial Trust can assist you on your financial journey. Your future starts here!

Branch History & Mission

Community Commitment

Our roots run deep within the Orchard Park community. We are proud of our shared service center that allows members of partner credit unions access to essential financial services right here at our branch. We believe in building relationships that last; after all, it's not just about transactions it's about trust. As we move forward into the future, we continue to uphold our dedication to ADA compliance and customer-centric initiatives that ensure every member feels valued and included. We invite you to join us at Financial Trust! Experience personalized service tailored just for you. With a focus on collaboration and community support, we look forward to helping you achieve your financial goals. For more information or if you have questions, don't hesitate to reach out at 716-831-3007 or visit us online at Financial Trust. Let's build a brighter financial future together!

Mission Statement

At Financial Trust, our mission is clear: we strive to empower our members financially while supporting community growth. We believe that when we support each other, everyone benefits. That's why we engage in various outreach efforts and partnerships that enhance the lives of those around us. While members can visit us at 6520 Webster Rd, official correspondence should be sent to the same address. Our office operates Monday through Friday with hours designed for your convenience Monday to Wednesday from 9 AM to 4 PM, Thursday from 9 AM to 4:30 PM, and Friday from 9 AM to 5:30 PM.

Our Journey

From our humble beginnings more than seven decades ago, Financial Trust has evolved into a reliable partner for individuals and businesses alike. As a cornerstone in Orchard Park and beyond, we've consistently aimed to meet the diverse needs of our members through personal banking solutions such as checking and savings accounts, auto loans, mortgages, and credit cards with rewards. Our commitment to innovation is evident in our adoption of modern banking conveniences. Members can enjoy online and mobile banking services, making it easier than ever to manage their finances from anywhere. We also offer a drive-thru service for quick transactions and an ATM available on-site for added convenience.

Branch Location & Accessibility

Convenient Access

At Financial Trust, we prioritize convenience and accessibility for all our members. Our branch features ample parking, making it easy for you to stop by for your banking needs. We're committed to ensuring that everyone can visit us comfortably; our location is equipped with ADA-compliant features and ramps for those who may need extra assistance.

Operating Hours

We know how busy life can get, so we've made sure our hours work for you! You can visit us Monday through Wednesday from 9 AM to 4 PM, Thursday from 9 AM to 4:30 PM, and Friday until 5:30 PM. Whether you're stopping in for a quick deposit or seeking advice on loans or accounts, we're here during hours that suit your schedule.

Reach Out Anytime

Have questions or need assistance? Don't hesitate to reach out! You can contact us at 716-831-3007. Our friendly team is always ready to help with anything you need. While members can visit us at 6520 Webster Rd, official correspondence should be sent to the same address as well. We look forward to welcoming you into the Financial Trust family come see how we can help you achieve your financial goals today!

Services Offered

As part of our commitment to serving you better, Financial Trust offers a variety of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we have something for everyone. Plus, our drive-thru service allows you to handle simple transactions without leaving your vehicle perfect for those on the go! If you're looking for additional convenience, we also provide ATM services right at our branch. You can access your funds quickly anytime during business hours.

Member Eligibility

Welcome to the community at Financial Trust! Becoming a member is about more than just having a bank account; it's about joining a family that cares for your financial well-being. At Financial Trust, we welcome individuals who live, work, worship, or attend school in our service area, as well as their family members. This inclusive approach means that if you're looking for a supportive financial partner, you're in the right place. You can enjoy personalized service, competitive rates, and a variety of products tailored to meet your needs. Getting started is easy! Simply visit us at 6520 Webster Rd Orchard Park Ny 14127 or give us a call at (716) 831-3007 to learn more about the application process. If you want detailed information on eligibility criteria, check out this resource: Eligibility Details. To open an account online, simply follow this link: Account Opening. We look forward to welcoming you into our community!

Business Banking & Commercial Services

Loan Options for Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $10 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 $2,901,056, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services Made Simple

In addition to loans, we offer practical merchant services that make daily transactions smoother. Picture this: a busy café owner processing payments quickly while ensuring customer satisfaction. Our services help streamline these transactions so that you can focus on what matters growing your business. Visit us at 6520 Webster Rd Orchard Park Ny 14127 in Orchard Park, NY, or call us at (716) 831-3007 to learn more about how we can support your business journey!

Comprehensive List Of Services

Additional Features

At Financial Trust, we aim to streamline your banking experience further with our drive-thru service for simple transactions like deposits and withdrawals. Plus, if you're a member of a partner credit union, take advantage of our shared branch transactions that allow deposits and withdrawals right from your account. Whether you're visiting us in person or utilizing our digital platforms, we're here to ensure that managing your finances is as smooth as possible. For any questions about our services or to start your journey with us today, please call us at 716-831-3007 or visit us online at financialtrustfederalcreditunion.com. Join us at Financial Trust your trusted partner in achieving financial success!

Business Banking Services

If you're a business owner, we've got you covered too! Our business banking services include merchant services and business loans tailored to support local enterprises. We know how vital it is for businesses to have reliable banking options that grow with them.

Convenient Online and Mobile Banking

In today's fast-paced world, convenience is key. With our online and mobile banking features, managing your finances has never been easier. Check balances, transfer funds, and pay bills from anywhere at any time all from the palm of your hand! We also provide ATM access for quick cash withdrawals and balance checks whenever you need them.

Personal Banking Solutions

Our personal banking offerings are tailored to give you flexibility and peace of mind. Start with our checking and savings accounts, which provide easy access to your funds while helping you save for future aspirations. If you're considering buying a new car or refinancing an existing one, our auto loans and vehicle financing options can help you get behind the wheel without breaking the bank. For those dreaming of home ownership or needing to refinance an existing mortgage, we offer competitive mortgage loans and refinancing solutions. Need a little extra cash? Our personal loans and debt consolidation services can provide the financial boost you require, allowing you to manage expenses effectively.

Rewarding Credit Options

We also understand the importance of credit in everyday life. That's why we offer credit cards with rewards, giving you the chance to earn points on your everyday purchases. This means your spending can work for you, offering benefits like cash back or travel rewards.

Digital & Online Banking

Enhanced Security and Accessibility

Your safety is our priority. We employ robust security measures to protect your personal information and transactions while you bank online. Additionally, e-statements are available to help you stay organized without the clutter of paper statements. Whether you're at home or out and about, Financial Trust provides a banking experience that fits seamlessly into your life. We are committed to making sure that all our members have access to the tools they need for effective financial management. In summary, with services like online banking, mobile applications, e-statements, and more, Financial Trust makes it easy for you to stay in control of your finances whenever and wherever you need!

Key Features

With our online banking platform, you can access your accounts anytime, anywhere. Whether you want to check your balance, pay bills, or transfer funds, everything is just a click away. Our user-friendly interface ensures that even if you're not tech-savvy, you'll find navigating through your account simple and straightforward. For those who prefer using their mobile devices, our mobile application allows you to manage your finances on the go. Plus, with features like electronic signature authorization and person-to-person transfers, sending money to friends or family is hassle-free. You can also make secure payments directly from your phone with our mobile payments feature no need for cash or checks!

Financial Strength

Commitment to Our Members

Total Share Accounts stand at 23,388, showing 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, Financial Trust is your trusted partner. Visit us at 6520 Webster Rd Orchard Park NY 14127 or call us at 716-831-3007 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Investment in Growth

With $18,613,618 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Our lending capacity supports your financial goals with $19,915,629 in used auto loans and a total of $99,554,436 in loans and leases available for various needs.

Member-Centric Savings Options

Members' savings are secured through $23,519,028 in share certificates and $18,180,397 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 by our net income of $0, allowing us to continue offering competitive loan rates and solid financial products for our members. We take pride in having 23 full-time employees and 4 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team.

Strong Financial Position

With a net worth of $25,531,586, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 14.56% 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 $27,850,629 in used vehicle loans and $14,926,609 in new vehicle loans already helping members get on the road, you can trust us to provide flexible financing options tailored to your budget.

Commercial Loans

For business owners, our outstanding commercial loans totaling $2,901,056 provide the capital needed to grow and expand your business. We understand the unique challenges faced by small businesses and are committed to supporting their success.

Credit Lines

In addition to these offerings, we provide access to credit lines totaling $25,000,000, giving you the flexibility to handle unexpected expenses or invest in opportunities as they arise. At Financial Trust, we're committed to making borrowing easy and accessible. If you're considering refinancing or exploring eligibility options for any of our loan products, don't hesitate to ask about how we can help you save money or enhance your financial situation. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results. Explore your options with us today!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Property loans totaling $10,167,977. Whether you're a first-time homebuyer or looking to refinance your existing mortgage, our team is here to guide you through the process.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans. With a total of $2,495,596 in unsecured credit card loans helping members manage their finances effectively, our credit cards come with features that fit your lifestyle and spending habits.

Loan Aggregator

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FINANCIAL TRUST FEDERAL CREDIT UNION - Orchard Park, NY