Genesee Valley Credit Union Geneseo NY | Affordable Auto Loans & Mortgage Refinancing

Introduction

Welcome to Genesee Valley, your trusted community credit union located at 1 College Cir, Geneseo, NY 14454. Since our establishment in 1974, we have proudly served our members, currently totaling 9,663, with a steadfast commitment to financial well-being and community support. At Genesee Valley, we understand that banking is more than just transactions; it's about building relationships and providing the resources you need to achieve your goals. With total assets of $150,865,749 and deposits amounting to $18,500,857, we ensure your money is secure while offering competitive loan options for everything from auto financing to personal loans. We have successfully issued a total of 5,050 loans and leases, helping our members realize their dreams. Our dedicated team of 31 employees works under the leadership of CEO Gerard Koehler and Board President Daniel Johnson. Together, they foster an environment where every member feels valued and supported. We take pride in our strong financial standing, reflected in our net worth of $22,481,224 and cash reserves of $907,581. While you can visit us at our branch for all your banking needs, official correspondence should be sent to our mailing address: 4621 Millennium Dr, Geneseo, NY 14454. Whether you're looking for a new account or advice on loans, we're here to help. Explore the range of services we offer on our website at Genesee Valley. Feel free to reach out to us at 585-245-5700 for any inquiries or assistance. Join us today and experience the difference of being part of a community-focused credit union!

Branch History & Mission

Community Engagement

We are proud of our deep roots in Geneseo and actively participate in various community outreach programs. From financial education workshops to local sponsorships, we strive to make a difference beyond banking. Collaborating with local organizations allows us to give back and strengthen community ties something that sets us apart from traditional banks. As a member-focused credit union with over 9,600 members and counting, we invite you to join us at Genesee Valley. Experience firsthand the difference that community-driven financial services can make in your life. Whether you need assistance with personal loans or want advice on saving for the future, we're here for you. Ready to take the next step? Visit us online at Genesee Valley or call us at (585) 245-5700 today! Join us as we continue this journey together because your success is our success!

Our Mission

At Genesee Valley, our mission is straightforward: to provide reliable financial services that support the goals of our members while contributing positively to the community. We believe in fostering relationships built on trust and transparency. Whether you're looking for assistance with budgeting or seeking loans for a new vehicle or home, we're here to help every step of the way. While you can visit us at our main location at 1 College Cir for personal service, official correspondence should be sent to our mailing address at 4621 Millennium Dr, Geneseo, NY 14454. Our branch operates Monday through Friday from 9 AM to 12 PM, ensuring that you have access to the support you need during convenient hours.

Our Story

Since opening our doors in 1974, Genesee Valley has been more than just a financial institution; we've been a part of your journey. Starting with humble beginnings, we have evolved into a trusted partner for personal banking needs. Our total assets now exceed $150 million, reflecting our commitment to sound financial practices and member trust. As we celebrate decades of service, our mission remains clear: to empower our members through accessible financial solutions while actively engaging with the community. In our quest to enhance member experience, we offer an array of services that cater to diverse needs from checking and savings accounts to auto loans and mortgages. We pride ourselves on being responsive to technological advancements that make banking easier. With features like online banking and mobile access, managing your finances is simple and convenient.

Branch Location & Accessibility

Welcome to the Genesee Valley Credit Union branch at 1 College Cir, Geneseo, NY 14454! Located conveniently near the heart of the SUNY Geneseo campus, we are proud to serve both students and residents in the vibrant community of Livingston County. Our location is easily accessible, making it simple for you to drop by for all your banking needs. While members can visit us at our main address, any official correspondence should be sent to our mailing address at 4621 Millennium Dr, Geneseo, NY 14454. We prioritize accessibility for everyone, ensuring that our branch is compliant with ADA standards and equipped with ramps for easy entry. Finding a parking spot is hassle-free, allowing you to focus on what matters most your banking experience. When you step inside, you'll find a welcoming environment where our friendly staff is ready to assist you with personal banking services like checking and savings accounts, auto loans, mortgage refinancing, and much more. Our operating hours are designed to fit your busy schedule; we're open Monday through Friday from 9 AM until 12 PM. If you're looking for an ATM, you're in luck! We offer ATM services right here at the branch for your convenience. We don't have a drive-thru service at this location; however, our team is always ready to help you inside. Whether you're stopping by for everyday transactions or need guidance on financial products tailored to your needs, we're here for you. Don't hesitate to reach out if you have any questions or would like more information about our services. You can give us a call at 585-245-5700. We look forward to seeing you soon!

Member Eligibility

At Genesee Valley, we believe that becoming a member is like joining a family where everyone supports each other. If you're looking to enhance your financial journey, you might be eligible to join us! Membership is open to individuals who live, work, or go to school in the areas surrounding our branch at 1 College Cir Geneseo Ny 14454. This means whether you're a student at SUNY Geneseo or a local resident, you could be part of our community. Plus, there are many benefits to being a member, such as personalized service and competitive rates on loans and savings accounts. Getting started is easy! To find out if you qualify and learn more about the specific eligibility requirements, check out our detailed resource at http://www.geneseevalleyfcu.com/member-resources/become-a-member-copy . When you're ready to take the next step in your financial journey, you can open an account online by visiting https://my.geneseevalleyfcu.com/enroll . If you have any questions or need assistance, feel free to give us a call at (585) 245-5700. We can't wait to welcome you into the Genesee Valley family!

Business Banking & Commercial Services

Commercial Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $62 in commercial loans for our members, helping businesses scale and succeed. This funding has empowered local entrepreneurs to enhance their operations, hire more staff, and expand their offerings. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions for those looking to establish or grow their enterprises. - With an outstanding commercial loan portfolio of $2,947,745, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, our merchant services are here to simplify your daily operations. Imagine being able to accept payments effortlessly from customers using various methods, whether it's credit cards or mobile payments. Our tools help you streamline transactions, manage cash flow better, and ultimately serve your clients more effectively. Located at 1 College Cir Geneseo Ny 14454, Geneseo, NY 14454, we're ready to partner with you on your journey toward success. For inquiries or assistance, feel free to reach out at (585) 245-5700. Let's build a prosperous future together!

Comprehensive List Of Services

Business Banking

If you're a business owner, we have tailored solutions just for you. Our Business Banking services, including Merchant Services and Business Loans, support local enterprises in achieving their financial objectives. We know how important it is for businesses to thrive in our community.

Credit Cards and Rewards

Our Credit Cards with Rewards program allows you to earn points on everyday purchases. It's like getting paid for spending! You can enjoy benefits while managing your expenses efficiently.

Digital Banking Convenience

In today's fast-paced world, convenience matters more than ever. That's why we offer robust Online & Mobile Banking options. With just a few clicks or taps on your phone, you can check balances, pay bills, transfer funds, and more from anywhere at any time. Additionally, our ATM & Cash Withdrawal Services ensure you have access to your money when you need it. With basic ATM access available for withdrawals and balance checks, managing your accounts has never been easier!

Get Started Today!

At Genesee Valley, we're here for all your banking needs big or small. If you're ready to explore our offerings further or if you have questions about which service might be right for you, don't hesitate to reach out! Call us at 585-245-5700 or visit our website at geneseevalleyfcu.com today! Join us in making financial well-being accessible and personalized just for you.

Personal Banking

Navigating personal finances can be overwhelming, but with our Checking & Savings Accounts, you'll find it easier to manage your day-to-day expenses and save for future goals. Whether you're looking to open your first account or switch from another bank, our friendly staff can guide you through the process. Need financing for a new car? Our Auto Loans & Vehicle Financing options help you get behind the wheel without breaking the bank. We understand that purchasing a vehicle is a big decision, so we provide competitive rates and flexible terms that suit your budget. If you're thinking about buying a home or refinancing an existing mortgage, our Mortgage Loans & Refinancing services are designed to simplify the process. We work with you every step of the way to find the right loan product that fits your financial situation. For unexpected expenses or consolidating debt, consider our Personal Loans & Debt Consolidation options. This service is perfect for those who want to regain control over their finances and make manageable payments.

Digital & Online Banking

Key Features

We believe in offering practical features that cater to your everyday banking needs. For example, our e-statements provide an eco-friendly way to keep track of your finances without the clutter of paper statements. You can easily access these statements anytime you need them. Additionally, if you're looking to send money quickly and securely to friends or family, our person-to-person transfer feature makes it simple and hassle-free. For those who prefer mobile banking, we have a user-friendly mobile application available that allows you to manage your accounts right from your smartphone. Though we currently do not support mobile payments directly through the app, you'll find that our other features make up for it by providing a comprehensive banking experience.

Security and Convenience

Your security is our top priority. We ensure that all transactions are protected with robust security measures so you can bank with peace of mind. While we do not offer electronic signature authorization at this time, our commitment to safeguarding your information remains unwavering. At Genesee Valley, we aim to provide an accessible and enjoyable banking experience tailored just for you. With everything from account management to transfers available at your fingertips, managing your finances has never been easier!

Financial Strength

Commitment to Innovation

With $17,836,929 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 $1,352 in used auto loans and $86,797,689 in total loans and leases.

Growing Member Base

Total Share and Deposit Accounts: 21,088, show a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $90,503. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Genesee Valley is your trusted partner. Visit us at 1 College Cir Geneseo Ny 14454 or call (585) 245-5700 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our $2,889,017 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 29 full-time employees and 2 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Secure Savings Options

Members' savings are secured through $20,957,903 in share certificates and $13,293,863 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.

Solid Capital Foundation

With a net worth of $22,481,224, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,488 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. We have already issued $17,820,935 in used vehicle loans and $8,332,277 in new vehicle loans, helping members get on the road with confidence. Whether you are purchasing a brand-new model or a reliable pre-owned vehicle, our team can assist you in finding an auto loan that fits your budget.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $9,993,140, making buying or refinancing simple. We help guide you through the process and offer competitive rates to ensure that your investment in a home is as affordable as possible.

Personal Loans & Credit Lines

In addition to our vehicle and mortgage offerings, we provide personal loans and credit lines totaling $17,577,809. These options can be used for various purposes whether it's consolidating debt or managing unexpected expenses.

Refinancing Options

If you're considering refinancing an existing loan or exploring eligibility options, our team is here to assist. We take the time to understand your unique situation and provide solutions that can save you money over time. For any inquiries regarding our loan products or to discuss how we can best serve your financial needs, feel free to reach out at (585) 245-5700 or visit us at 1 College Cir Geneseo NY 14454. Our friendly staff is ready to help! Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans. Although we currently have $0 in unsecured credit card loans available, our services are tailored to help members manage their finances effectively when they do become available.

Loan Aggregator

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GENESEE VALLEY FEDERAL CREDIT UNION - Geneseo, NY