Gates Chili Credit Union Rochester NY | Affordable Auto Loans & Quick Personal Loans

Introduction

Welcome to Gates Chili, your trusted partner in financial wellness! Located at 2870 Buffalo Rd, Rochester, NY 14624, we have been serving our community since 1964. Our commitment to providing exceptional service and tailored financial solutions has helped us grow to a membership of over 2,100 individuals and families. At Gates Chili, we understand that every member has unique financial needs. That's why we offer a wide range of services, including checking and savings accounts, auto loans, mortgages, and personal loans. With total assets amounting to $30,107,141 and total deposits of $1,119,243, we are well-equipped to help you achieve your financial goals. Our experienced team is led by CEO Kelly DeFranco and Board President Kevin Whitmore, who prioritize community engagement and member satisfaction. With a dedicated staff of 5 employees, we strive to create a welcoming environment where you can feel confident in your banking decisions. While members can visit us at our branch for all their banking needs, official correspondence should be sent to the same address: 2870 Buffalo Rd, Rochester, NY 14624-1340. We invite you to explore our offerings further on our website at gateschilifcu.org. Whether you're looking for a new loan or want to open an account, we're here for you every step of the way. Don't hesitate to reach out by calling us at 585-247-1090. Join us today as we continue to make a positive impact in the Gates Chili community!

Branch History & Mission

Commitment to Service

In addition to traditional banking services, we offer online and mobile banking options for convenience. Our branch features an ATM for easy cash access. Although we do not have drive-thru services or shared service centers at this time, our friendly staff is dedicated to providing excellent customer service during operating hours: Monday, Tuesday, and Friday from 9 AM to 4:30 PM; Wednesday from 9:30 AM to 4:30 PM; and Thursday from 9 AM to 6 PM. As we continue this journey together with our members and the community, we invite you to join us at Gates Chili. Experience the benefits of becoming a member today by visiting our website or calling us at 585-247-1090. Together, let's build a brighter financial future!

Our Journey

From humble beginnings, Gates Chili has evolved into a trusted financial partner. Over the years, we have consistently adapted to meet the needs of our members while maintaining the core values of integrity, respect, and community focus. Our total assets now exceed $30 million, reflecting our commitment to responsible growth and sustainability in serving our members.

Our Mission

At Gates Chili, our mission is clear: We aim to provide personalized financial services that empower our members to achieve their goals. Whether you're looking for checking and savings accounts, auto loans, or credit cards with rewards, we are here to support your financial journey. Beyond banking, we strive to strengthen our community through various outreach programs and partnerships that make a real difference in the lives of those around us. While members can visit us at 2870 Buffalo Rd, official correspondence should be sent to 2870 Buffalo Rd, Rochester, NY 14624-1340 if different.

Branch Location & Accessibility

Call to Action

Have questions or want to learn more? Feel free to give us a call at 585-247-1090. We invite you to visit us at our branch or explore our website for more information. At Gates Chili, we're excited to serve you!

Nearby Landmarks and Accessibility

Our branch is just a short drive from the bustling shopping centers and parks that Rochester has to offer. Whether you're running errands or heading to work, you'll find us in a prime spot that's easy to reach. Parking is plentiful and convenient, with accessible spaces available for those who need them. We take pride in ensuring that our facility meets ADA standards, making it welcoming for everyone.

Operating Hours and Services

We know your time is valuable. That's why our lobby hours are designed to fit your busy schedule: open Monday, Tuesday, and Friday from 9 AM to 4:30 PM; Wednesday from 9:30 AM to 4:30 PM; and Thursday until 6 PM. If you prefer banking on the go, we also offer ATM services for quick transactions whenever you need them. At Gates Chili, we provide a variety of services tailored to support your financial goals from personal banking options like checking and savings accounts to auto loans and mortgage refinancing. Our dedicated team is here to help guide you through every step of your financial journey.

Member Eligibility

At Gates Chili, we believe that everyone deserves a chance to be part of a supportive financial community. Becoming a member is simple and welcoming! If you're living, working, or attending school in Monroe County, you're likely eligible to join us. Our membership is open to individuals who share our values and are seeking a trustworthy partner for their financial needs. You can enjoy the many benefits that come with being part of Gates Chili, including personalized service and competitive rates on loans and savings accounts. To learn more about our specific eligibility criteria, feel free to check out our detailed guidelines at https://www.gateschilifcu.org/benefits-of-membership/. Once you see that you qualify, opening an account is just as easy! You can start the process by visiting our account opening page at https://www.financial-net.com/gateschilifcu/lending/internetloans or give us a call at (585) 247-1090 if you have any questions. We can't wait to welcome you to the Gates Chili family!

Business Banking & Commercial Services

Merchant Services That Simplify Transactions

In addition to loans, we offer robust merchant services designed to streamline transactions and enhance customer experiences. Picture this: a small cafe using our payment processing solutions to accept credit cards quickly and securely, allowing them to serve more customers during peak hours. This is just one way we help businesses thrive. Located at 2870 Buffalo Rd Rochester Ny 14624, Rochester, NY 14624, our team is here to discuss how we can support your business goals. Reach out today at (585) 247-1090!

Tailored 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 $0 in commercial loans for our members, helping businesses scale and succeed. If you're not yet a member, 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. Imagine using these funds to purchase new equipment or expand your workspace your vision is within reach!

Comprehensive List Of Services

Business Banking Services

For small business owners, we offer business banking services including merchant services and business loans. Our goal is to help local businesses thrive by providing them with the necessary tools and resources.

Convenient Access & Support

To ensure ease of access, we provide ATM and cash withdrawal services, allowing you to manage your cash flow effortlessly. With basic ATM access for withdrawals and balance checks available at various locations, getting cash is quick and hassle-free. We also prioritize your convenience with our online and mobile banking platforms where you can handle transactions anytime. From person-to-person payments to accessing statements electronically, managing your finances has never been easier.

Get Started Today!

We invite you to visit us at 2870 Buffalo Rd Rochester Ny 14624 in Rochester, NY or give us a call at (585) 247-1090. Our friendly staff is ready to assist you with any questions about our services or how to become a member of Gates Chili. Explore how we can help make your financial journey smoother today! For more information about membership benefits or account opening procedures, please check out our website at http://www.gateschilifcu.org.

Home Financing Options

For those looking to buy a home or refinance an existing mortgage, our mortgage loans are designed with flexibility in mind. We guide you through each step of the process, ensuring you find the right loan for your situation.

Personal Banking Solutions

Our personal banking services include checking and savings accounts that are tailored to fit your lifestyle. Imagine having easy access to your funds anytime with online and mobile banking features. You can check balances, transfer funds, and pay bills from the comfort of your home or on-the-go. Need a new car? Our auto loans and vehicle financing options make it simple for you to get behind the wheel of that dream vehicle you've been eyeing. We offer competitive rates that can help you save money over time.

Personal Loans & Credit Cards

If you're facing unexpected expenses or want to consolidate debt, our personal loans provide the support you need without overwhelming terms. Plus, our credit cards come with rewards that allow you to earn points on everyday purchases turning spending into savings!

Digital & Online Banking

Key Services

Our online banking platform provides you with real-time account management. You can check your balances, pay bills, and transfer funds at your convenience. If you're looking to send money quickly, our person-to-person transfers make it easy to send cash to friends or family without any hassle. Plus, you'll appreciate the option of receiving e-statements, allowing you to go paperless and keep track of your finances more efficiently. For those who prefer mobile banking, we have a user-friendly mobile application available for download. This app puts all your banking needs right at your fingertips, whether you're making payments or checking account activity on the go. While we currently do not offer mobile payment features, our robust online services ensure that you can manage your finances securely from any device.

Security and Accessibility

Your security is our top priority. We employ advanced measures to keep your information safe while you bank online. Even though we do not offer electronic signature authorization at this time, you can rest assured that your data is well-protected through our secure systems. Whether you're at home or out and about, managing your money has never been easier with the tools provided by Gates Chili. With our commitment to accessibility and ease-of-use, you can feel confident knowing that you have control over your financial transactions whenever you need it. Explore all these features today at http://www.gateschilifcu.org!

Financial Strength

Commitment to Growth

With $2,048,201 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Our lending capacity supports members' financial goals across various sectors with $13,223,940 in total loans and leases and 343 used auto loans available for those looking to finance their next vehicle.

Growing Member Base

Total Share Accounts stand at 3,646, showcasing a strong and growing member base that trusts us with their finances. Net Shares available for lending and investments total $167,354, reinforcing our capacity to support your banking needs effectively. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Gates Chili is your trusted partner. Visit us at 2870 Buffalo Rd Rochester NY 14624 or call 585-247-1090 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our operations reflect our commitment to efficiency with a net income of $0, 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, ensuring our branches are always ready to serve you with a knowledgeable team dedicated to your needs.

Secure Savings Options

Members' savings are secured through $266,533 in share certificates and $1,731,881 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.

Strong Financial Health

With a net worth of $2,060,261, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 684 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 $5,795,742 in used vehicle loans and $2,529,019 in new vehicle loans already helping members get on the road. Whether you're eyeing a brand-new model or a reliable used vehicle, we provide flexible financing options that meet your needs.

Credit Lines

For those looking for additional flexibility in their budgeting, our total credit lines amount to $1,780,000. This option allows you to access funds as needed without taking out separate loans. Our loan offerings are designed with your needs in mind. If you're interested in refinancing existing debt or exploring eligibility options for any of our products, our team is here to help guide you through the process. To learn more about our loan offerings or start your application today, visit us at 2870 Buffalo Rd Rochester NY 14624 or call us at 585-247-1090. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $676,854, making it easier for you to take that important step towards owning your own home.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $943,736 in loans helping members manage their finances effectively. These cards can be an excellent tool for managing expenses while building credit.

Loan Aggregator

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Gates Chili