First Commonwealth Credit Union Emmaus PA | Affordable Vehicle Loans & Mortgage Refinancing

Introduction

At First Commonwealth, we believe that strong communities are built on trust and support. Located at 1080 Chestnut St, Emmaus, PA 18049, our branch has been proudly serving members since 1959. With a rich history and a commitment to our community, we have grown to support over 94,444 members and manage total assets of $1,346,105,958. Our dedicated team of 262 employees, led by CEO Donna LoStocco and Board President William Ehritz, works tirelessly to provide financial services tailored to your needs. Whether you're looking for personal banking options like checking and savings accounts or financing solutions such as auto loans and mortgages, we are here to help you achieve your financial goals. While members can visit us at our branch location, please note that official correspondence should be sent to the same address. With total deposits amounting to $44,895,214 and cash reserves of $21,414,237, we ensure your money is not only safe but also working hard for you. Our commitment extends beyond just numbers; it's about providing exceptional service and building lasting relationships with each member. We invite you to discover how First Commonwealth can make a difference in your financial journey. Visit us today or give us a call at 610-821-2400 to learn more about our services and how we can assist you!

Branch History & Mission

Join Us!

We invite you to become part of our family here at First Commonwealth. Whether you're looking for personal banking services or need assistance with business financing, we're here for you every step of the way. Come see what makes us different call us today at 610-821-2400 or visit our website First Commonwealth for more information on how you can join and enjoy the benefits of membership!

Our Evolution

Since our opening, First Commonwealth has continuously evolved to meet the needs of our members. We have expanded our services and offerings significantly while maintaining our commitment to personal service. Our assets now total over $1.34 billion, allowing us to support various financial needs from checking and savings accounts to auto loans and mortgages. We pride ourselves on being a member-focused institution that adapts to changes in the financial landscape while prioritizing community support. As we grew, so did our dedication to technology and accessibility. We've embraced digital advancements that allow members to manage their finances conveniently through online banking and mobile apps. Our commitment extends beyond just providing services; we ensure that our facilities comply with ADA standards so everyone can access them comfortably.

Our Mission

At First Commonwealth, our mission is clear: We aim to empower individuals and families by providing accessible financial solutions that foster growth and stability. We believe in supporting not just our members but also the wider community through outreach programs, partnerships with local organizations, and initiatives that give back to those who need it most. While members can visit us at 1080 Chestnut St, official correspondence should be sent to the same address as we do not maintain a separate mailing address. Our operating hours are designed for your convenience: Lobby hours are Monday through Friday from 9:00 am to 5:00 pm, with extended Drive-Thru hours available until 8:00 pm on weekdays.

Branch Location & Accessibility

Call-to-Action

We invite you to visit us at our Emmaus branch or give us a call at 610-821-2400 if you have any questions or need assistance. Our friendly team is eager to meet you and assist with all your banking needs!

Nearby Landmarks and Accessibility

Situated near local favorites like the Emmaus Public Library and the scenic Emmaus Community Park, our branch is not only easy to find but also surrounded by places that enrich community life. Parking is readily available, ensuring you can get in and out smoothly. We are committed to accessibility for all members; our facility meets ADA compliance standards, featuring ramps and easily navigable spaces.

Operating Hours

Our lobby hours are friendly and accommodating open from 9:00 AM to 5:00 PM Monday through Friday, and we welcome visitors on Saturday from 9:00 AM to 1:00 PM. For those who prefer drive-thru banking, our ITM Drive-Up service operates from 8:00 AM to 8:00 PM on weekdays and from 9:00 AM to 3:00 PM on Saturdays. This gives you flexibility whether you're in a rush or taking your time.

Services Offered

At First Commonwealth, we offer a wide range of services tailored just for you. From personal banking options like checking and savings accounts to auto loans, mortgage loans, and credit cards with rewards there's something for everyone. Need cash? Our ATM is conveniently located on-site for quick withdrawals and balance checks. And if you prefer doing things online or on-the-go, our mobile banking services make managing your finances easier than ever.

Member Eligibility

Becoming a member of First Commonwealth feels like joining a warm and welcoming community where your financial needs are prioritized. At First Commonwealth, located at 1080 Chestnut St Emmaus Pa 18049, we believe in making banking accessible for everyone. If you live, work, worship, or attend school in the area, you're likely eligible to become a part of our family. Our membership is open to individuals who share our values and commitment to bettering their financial future. You can find all the specific eligibility details on our website at http://www.firstcomcu.org/membership.html. Joining us is a simple process! Just visit our account opening page at http://www.firstcomcu.org/digitalbanking/enroll.html to get started. If you have any questions or need assistance, feel free to reach out to us at (610) 821-2400. We're excited to welcome you into the First Commonwealth family and help you achieve your financial goals!

Business Banking & Commercial Services

Business Loan Options

Imagine launching a new product line or opening a second location. With our commercial loan offerings, you can get the funding you need to make it happen. Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $426 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $58 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $233,825,992, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services That Matter

In addition to loans, our merchant services simplify how you manage payments. Imagine having the ability to process transactions easily, track sales in real-time, and offer your customers a seamless checkout experience all tools that help your business thrive. Visit us at 1080 Chestnut St Emmaus Pa 18049 in Emmaus, PA, or call us at (610) 821-2400 to explore how we can support your business goals today!

Comprehensive List Of Services

Business Banking Services

For our business members, we provide essential tools that can help your company thrive. Our business banking services, including merchant services and business loans, are designed to support both new ventures and established businesses alike. We know how crucial it is to have reliable banking support when running a business.

Digital Banking Convenience

Embracing technology is key in today's fast-paced world. At First Commonwealth, we offer robust online and mobile banking features that let you manage your accounts from anywhere. With capabilities such as mobile payments and person-to-person transactions, accessing your funds has never been more convenient. Our ATMs are available for cash withdrawals and balance checks whenever you need them. Additionally, we provide basic drive-thru banking services for quick deposits and withdrawals without leaving your vehicle.

Personal Banking Solutions

When it comes to personal banking, we have you covered. Our checking and savings accounts offer flexibility and competitive rates to help you manage your money effectively. Whether you're saving for a rainy day or planning a big purchase, our accounts can meet your needs. If you're considering buying a car or need financing for a vehicle, our auto loans and vehicle financing options are tailored for you. We ensure that the process is straightforward, allowing you to get behind the wheel without stress. For those looking to purchase a home or refinance an existing mortgage, our mortgage loans and refinancing services make it easier than ever to navigate the housing market. In addition, our personal loans and debt consolidation solutions can help you take control of your finances, providing a path to clearer budgeting and reduced stress. And don't forget about our credit cards with rewards, which offer benefits that can enhance your spending power while earning points for future purchases.

Your Community Partner

With a commitment to serving the community of Emmaus, we're proud to be part of your financial journey. Our team is here not just during business hours but also through various digital platforms so you can reach us when it suits you best. If you have questions or want more information about any of our services, please don't hesitate to call us at 610-821-2400. We invite you to visit us at First Commonwealth in Emmaus today or explore more about what we offer online at our website. Let us partner with you on your path to financial success!

Digital & Online Banking

At First Commonwealth, we know that your time is valuable, and managing your finances should be as convenient and secure as possible. That's why we offer a range of digital and online banking services designed to keep you connected to your money anytime, anywhere. With our 24/7 online banking services available at https://www.firstcomcu.org/, you can check your account balance, pay bills, and transfer funds all from the comfort of your home or on the go. Our mobile application makes banking even simpler, allowing you to manage your accounts right from your smartphone. Whether you're depositing checks or reviewing transactions, it's all just a tap away. Security is a top priority for us. With features like electronic signature authorization, you can complete important transactions confidently, knowing that your information is protected. Plus, with e-statements, you can easily access and review your financial statements without the clutter of paper. Need to send money to a friend? Our person-to-person transfers make it easy to send cash quickly and safely. And if you're a fan of modern payment methods, you'll love our mobile payments feature, which allows you to pay for goods and services directly from your mobile device. At First Commonwealth, we strive to ensure that banking is not only accessible but also user-friendly. Managing your finances should fit into your life seamlessly whether it's late at night or during a busy lunch break. Join us today and experience the convenience of digital banking tailored for you!

Financial Strength

A Growing Member Base

Total Share and Deposit Accounts: 204,659, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $2,849,641. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, First Commonwealth is your trusted partner. Visit us at 1080 Chestnut St Emmaus Pa 18049 or call 610-821-2400 to learn more about how we can help you achieve your financial goals.

Commitment to Excellence

Our operational efficiency is evident with a net income of $0, reflecting our commitment to sustainability while still being able to offer competitive loan rates and solid financial products for our members. We also take pride in having 258 full-time employees and 4 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Member Savings Secured

Members' savings are secured through $364,547,380 in share certificates and $237,851,542 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.

Our Solid Financial Health

With a net worth of $135,834,351, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 1055 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Reinvesting in Your Future

With $120,271,943 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 $9,932 in used auto loans and a total of $1,097,669,006 in loans and leases available.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $144,825,767 in used vehicle loans and $58,385,726 in new vehicle loans already helping members get on the road. Whether you're eyeing a brand-new model or a reliable used vehicle, our financing options can make it happen. We also offer refinancing opportunities if you're looking to lower your current auto loan payments.

Business Financing

For business owners, our outstanding commercial loans totaling $233,825,992 provide the capital needed to grow and expand. We know how important it is for businesses to have access to funds when they need them most. At First Commonwealth located at 1080 Chestnut St Emmaus Pa 18049, we pride ourselves on offering personalized service. If you have questions about eligibility or how to apply for any of our loan products, don't hesitate to reach out at 610-821-2400. 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 our loan offerings can help you achieve your financial aspirations today!

Credit Card Loans

Managing everyday expenses can sometimes be challenging. That's why we also offer flexible terms on unsecured credit card loans, with a total of $41,617,617 in loans helping members manage their finances effectively. These cards come with features designed to provide convenience and build your credit history.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $130,347,949, make buying or refinancing simple. We are here to assist you through every step of the process whether it's your first home or an investment property.

Loan Aggregator

Benefits of Using LendMesh

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FIRST COMMONWEALTH FEDERAL CREDIT UNION - Emmaus, PA

Type of Loan Offerings

Home Equity Loans

Mortgage Loans

Personal Loans

Vehicle Loans

Compare Loan Rates Near You

Loan rates in Emmaus, PA (18049)

Introduction

Branch History & Mission

Join Us!

Our Evolution

Our Mission

Branch Location & Accessibility

Call-to-Action

Nearby Landmarks and Accessibility

Operating Hours

Services Offered

Member Eligibility

Business Banking & Commercial Services

Business Loan Options

Merchant Services That Matter

Comprehensive List Of Services

Business Banking Services

Digital Banking Convenience

Personal Banking Solutions

Your Community Partner

Digital & Online Banking

Financial Strength

A Growing Member Base

Commitment to Excellence

Member Savings Secured

Our Solid Financial Health

Reinvesting in Your Future

Loan Offering

Auto Loans

Business Financing

Credit Card Loans

Mortgage Loans

Loan Aggregator

Benefits of Using LendMesh

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