First Area Credit Union Lewistown PA | Affordable Auto Loans & Business Banking

Introduction

Welcome to First Area Federal Credit Union, a trusted financial partner serving the Lewistown community since 1961. Located at 23 S Dorcas St, Lewistown, PA 17044, we are proud to provide our members with exceptional banking services tailored to their needs. With a total membership of 2,776 and assets amounting to an impressive $27,518,756, we are committed to helping you achieve your financial goals. At First Area, we believe in supporting our members and the local community. Our dedicated team of 8 employees, led by CEO Bonnie Fisher and Board President Robert Haines Jr., is here to ensure that you receive personalized service every time you visit. Whether you're looking for personal banking options like checking and savings accounts or need financing solutions such as auto loans or mortgages, we've got you covered. While members can visit us at our branch, official correspondence should be sent to the same address: 23 S Dorcas St, Lewistown, PA 17044. We understand that convenience matters, so we offer drive-thru services for quick transactions. With total deposits reaching $2,575,310 and a net worth of $2,394,958, First Area Federal Credit Union is not just a bank; we're your community-focused partner in financial success. Our commitment to transparency and trust means that when you choose us, you're choosing stability and reliability. If you're ready to experience the First Area difference or have any questions about our services like how to open an account or learn more about our loan options don't hesitate to reach out! Call us at 717-248-5103 or explore our website at firstareafcu.com. We're excited to help you on your financial journey!

Branch History & Mission

Commitment to Innovation

As we continue to grow, we embrace innovation in all aspects of our operations. Our digital services include online banking and mobile applications that allow members to manage their finances conveniently from anywhere. We also ensure accessibility by adhering to ADA compliance standards so that everyone can benefit from our services. For those who prefer face-to-face interactions, we offer basic drive-thru banking for deposits and withdrawals during our operating hours: Monday, Tuesday, and Thursday from 9:00 AM to 4:30 PM; Wednesday from 9:00 AM to 12:00 PM; and Friday from 9:00 AM to 6:30 PM.

Join Us!

If you're looking for a credit union that truly cares about its members and community, look no further than First Area. Whether you need assistance with personal loans or simply want advice on saving for the future, our dedicated team is here for you. Join us today and experience firsthand how we're making a difference in Lewistown! For more information or to become a member, please call us at 717-248-5103 or visit our website at firstareafcu.com. Your journey towards financial wellness starts here!

Our Mission

Our mission at First Area is simple: to provide our members with exceptional financial services while fostering a supportive community environment. We believe in empowering individuals through personalized banking solutions that include checking and savings accounts, auto loans, mortgages, personal loans, and more. By focusing on member needs first, we ensure that everyone feels valued and supported. We understand the importance of community involvement and have made it a core part of our identity. Through various outreach programs and partnerships with local organizations, we strive to make a positive impact beyond just financial services. Our goal is not only to help you achieve your financial dreams but also to strengthen the fabric of our community as a whole.

Branch Location & Accessibility

Welcome to First Area, your friendly neighborhood credit union located at 23 S Dorcas St in beautiful Lewistown, PA. Our branch is conveniently situated near local landmarks that make it easy for you to find us. Whether you're running errands or just passing through, we are here to serve you with a smile. At First Area, we understand that accessibility matters. Our branch is designed with features that accommodate everyone, including ADA-compliant ramps for easy access. Plus, we offer ample parking right outside our doors, so you won't have to worry about finding a spot when you visit. We're excited to offer you flexible banking hours tailored to fit your busy schedule. Our lobby is open on Monday, Tuesday, and Thursday from 9:00 AM to 4:30 PM, and on Wednesday from 9:00 AM until noon. If you need a little extra time on Fridays, we're here for you until 6:30 PM! For your convenience, we also have drive-thru banking available for quick deposits or withdrawals without leaving your car. While members can visit us at 23 S Dorcas St, official correspondence should be sent to the same address as our mailing address is the same. If you have any questions or need assistance, feel free to give us a call at 717-248-5103. At First Area, we provide a wide range of services tailored just for you from personal banking options like checking and savings accounts to auto loans and mortgage refinancing. We pride ourselves on being a community-oriented institution where your financial needs are met with care and respect. We invite you to stop by First Area today! Our friendly staff is ready to assist you with all your banking needs. Come experience the difference that local service can make!

Member Eligibility

Becoming a member of First Area is like joining a caring family that prioritizes your financial well-being. If you live, work, or worship in Mifflin County, you're already on the path to enjoying all the benefits we offer! We believe in making banking accessible for everyone, so whether you're looking for savings accounts, loans, or personalized financial advice, our doors are open to you. To explore all the details about eligibility and membership requirements, feel free to visit our website at https://www.firstareafcu.com/member.html . It's an easy read that will help you understand how simple it is to join our community. Once you're ready to take the next step, opening an account is straightforward! Just head over to our account opening page at https://gbs.onlinecu.com/firstareafcu/#/sign-up , and you'll be guided through the process. Our friendly team at First Area, located at 23 S Dorcas St Lewistown Pa 17044, is here to assist you if you have any questions. You can also give us a call at (717) 248-5103. We can't wait to welcome you as a member and support your financial journey!

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 $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 Matter

Imagine being able to process transactions effortlessly while focusing on what you do best running your business. Our merchant services simplify payment processing, making it easy for you to accept credit and debit cards right at your point of sale. This means happier customers and smoother operations. Visit us at 23 S Dorcas St Lewistown Pa 17044 or call us at (717) 248-5103 to learn more about how our tailored services can support your business goals today!

Comprehensive List Of Services

Business Banking Services

For our business members, we provide comprehensive Business Banking services including Merchant Services and Business Loans designed to help your enterprise thrive. Whether you're starting a new venture or expanding an existing one, we're here to support your goals.

Digital Access and Convenience

We know that convenience matters in today's fast-paced world. That's why our Online & Mobile Banking features allow you to manage your accounts anytime, anywhere. From checking balances to making transfers, everything is just a click away. Plus, with ATM & Cash Withdrawal Services available at various locations, accessing cash has never been easier. For those who prefer face-to-face interaction, our Basic Drive-Thru Banking offers quick and easy access for deposits, withdrawals, and simple transactions without needing to leave your car. At First Area, located at 23 S Dorcas St Lewistown Pa 17044, we're dedicated to making banking as simple and accessible as possible for all our members. If you're interested in learning more about any of these services or how they can benefit you personally or professionally, don't hesitate to give us a call at (717) 248-5103. Take control of your financial future today! Visit us online at https://www.firstareafcu.com/ or stop by our branch in Lewistown we're excited to help you on your financial journey!

Home Financing

If you're thinking about purchasing a home or refinancing an existing mortgage, our Mortgage Loans & Refinancing services can guide you through every step of the process. We understand that buying a home is a significant milestone, and we're here to ensure you have all the support you need.

Managing Debt

Life can sometimes throw unexpected expenses your way. That's where our Personal Loans & Debt Consolidation options come in handy. Whether you need extra funds for a special occasion or want to consolidate debt for better management, we have solutions tailored just for you.

Personal Banking Solutions

For individuals seeking to grow their savings or manage everyday expenses, our Personal Banking services include Checking and Savings Accounts designed to fit various lifestyles. Imagine having easy access to your funds while also earning interest on your savings. This is what we aim to provide at First Area Federal Credit Union. When it comes to financing, we offer Auto Loans & Vehicle Financing options that can help you get behind the wheel of your dream car without breaking the bank. Our competitive rates and flexible terms make it easier than ever for you to drive off with confidence.

Rewarding Credit Options

Don't forget about our Credit Cards with Rewards, which allow you to earn points on your purchases that can be redeemed for exciting rewards. It's an easy way to make your spending work harder for you!

Digital & Online Banking

Key Features

You'll love the flexibility of our mobile application, which puts your financial world right in your pocket. You can access your accounts on the go, making it simple to stay on top of your finances. And if you want to send money to friends or family quickly, our person-to-person transfers feature makes it easy and hassle-free. For those who prefer keeping track of their statements digitally, we offer e-statements. This not only helps reduce paper clutter but also allows for quick access to your financial records whenever you need them. Security is a top priority at First Area. While we currently don't offer electronic signature authorization, rest assured that all transactions through our platform are protected by the latest security measures. Although we don't support mobile payments just yet, our team is committed to providing services that meet the needs of our members. We're always exploring ways to enhance your banking experience. Join us at First Area and discover how easy it is to manage your finances online! Whether you're at home or on the go, we've got you covered with services tailored just for you. If you're ready to take control of your banking experience, visit our website today!

Financial Strength

Building Trust Together

Total Share Accounts: 5,086, 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, First Area is your trusted partner. Visit us at 23 S Dorcas St Lewistown Pa 17044 or call (717) 248-5103 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.

Commitment to Growth

With $2,241,522 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 with $112 in used auto loans and $5,748,578 in total loans and leases.

Member-Focused Savings

Members' savings are secured through $549,179 in share certificates, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. By managing non-member deposits effectively (currently at $0), we ensure that our resources focus on benefiting you through better loan rates and exclusive perks.

Operational Efficiency

Our $153,436 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 5 full-time employees and 3 part-time employees who are always ready to assist you with their knowledge and commitment.

Strong Financial Health

With a net worth of $2,394,958, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $870 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 $1,979,355 in used vehicle loans and $846,540 in new vehicle loans already helping members get on the road. We also provide refinancing options for those looking to lower their monthly payments or access cash from their existing vehicle equity.

Credit Lines

For added flexibility, our total credit lines amount to $600,000, allowing you to access funds as needed for unexpected expenses or planned purchases. At First Area, we prioritize making the borrowing process straightforward and accessible. If you're curious about eligibility options or want to explore how our products can work for you, feel free to reach out! You can contact us at (717) 248-5103 during our operating hours: Monday, Tuesday, Thursday from 9:00 AM to 4:30 PM; Wednesday from 9:00 AM to 12:00 PM; and Friday from 9:00 AM to 6:30 PM. 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 how First Area can assist you in your financial journey today!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $1,374,890, make buying or refinancing simple. Whether you're a first-time homebuyer or looking to refinance your existing mortgage, we have flexible terms and competitive rates designed to fit your lifestyle.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $281,168 in loans helping members manage their finances effectively. This product is ideal for those who want to consolidate debt or make larger purchases without tying up savings.

Loan Aggregator

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Ensuring Accurate Comparisons

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 ensures that users receive fair and transparent offers. By working with legitimate financial institutions, LendMesh guarantees that the information provided is not only accurate but also reflects current market conditions.

FIRST AREA FEDERAL CREDIT UNION