Gowanda Area Credit Union NY | Affordable Auto Loans & ATM Access

Introduction

Welcome to Gowanda Area, your trusted financial partner located at 14266 Taylor Hollow Rd, Gowanda, NY 14070. Since our establishment in 1935, we have been dedicated to serving our community with a personal touch, ensuring that each member feels valued and supported. With a strong membership base of 1,925 members and total assets reaching an impressive $30,282,239, we are proud to contribute to the financial well-being of our neighbors. At Gowanda Area, we understand that banking is more than just numbers; it's about relationships and community. Our team, led by CEO Lisa Hill and Board President Mary Clark, works tirelessly to provide exceptional services tailored to meet your needs. We offer a range of products including personal banking accounts, auto loans, mortgage financing, and business services all designed to help you achieve your financial goals. While you can visit us at our branch for any inquiries or assistance, please note that official correspondence should be sent to our mailing address: PO Box 29, Gowanda, NY 14070. With total deposits of $3,675,012 and a net worth of $4,055,718, we are committed to maintaining a solid foundation for your financial future. Our dedicated team of 3 employees is here to ensure that your experience with us is smooth and rewarding. Ready to take the next step towards achieving your financial dreams? Call us today at 716-532-3790 or visit our website at gafcu.org for more information. Let's build a brighter financial future together!

Branch History & Mission

Community Commitment

Gowanda Area FCU isn't just about numbers; it's about people. We actively participate in local events and outreach initiatives designed to uplift those around us. From educational workshops on financial literacy to partnerships with local organizations, we are dedicated to making a positive impact within our community. While members can visit us at 14266 Taylor Hollow Rd, official correspondence should be sent to PO Box 29, Gowanda, NY 14070. If you're looking for an institution that truly cares about your financial well-being and community development, look no further. Join us today at Gowanda Area FCU! Experience firsthand how we blend exceptional service with a deep commitment to our members' success. Call us at 716-532-3790 or explore more at gafcu.org to learn how we can help you achieve your financial dreams!

Our Mission

The mission of Gowanda Area FCU is simple yet profound: to provide personalized financial services while fostering community growth. We believe that when our members thrive, so does our community. Our team is committed to offering essential services such as personal banking (checking and savings accounts), auto loans, mortgage financing, and business banking solutions. We understand that navigating finances can be challenging. That's why we strive to make every member feel valued and supported. Whether it's through our online banking options or face-to-face consultations during our operating hours Monday/Saturday from 9 AM to 1 PM; Tuesday/Wednesday from 9 AM to 4:30 PM; Thursday from 8 AM to 5 PM; and Friday from 9 AM to 5:30 PM our goal is to provide a welcoming environment where you can achieve your financial goals.

Branch Location & Accessibility

Convenient Access

Our branch is designed with accessibility in mind. You'll find ample parking available right outside our doors, along with features that ensure everyone can access our services comfortably. Whether you're stopping by to open an account or inquire about loan options, our welcoming environment will make your visit a pleasant one.

Get In Touch

Have questions? Don't hesitate to call us at 716-532-3790. Our friendly team is eager to assist you! If you need to send any official correspondence, please note our mailing address is PO Box 29, Gowanda, NY 14070. We invite you to visit us soon at the Gowanda Area branch! Your financial well-being is our priority, and we look forward to serving you.

Operating Hours & Services

We know your time is valuable, so we offer flexible hours to fit your schedule. Our lobby is open Monday and Saturday from 9 AM to 1 PM, Tuesday and Wednesday from 9 AM to 4:30 PM, Thursday from 8 AM to 5 PM, and Friday from 9 AM to 5:30 PM. While we currently don't have ATM or drive-thru services available, our dedicated staff is here to assist you during these hours. At the Gowanda Area branch, we provide a variety of financial services tailored just for you. From checking and savings accounts to auto loans and personal loans, we have the tools you need for your financial journey. Plus, if you're looking for business banking solutions or online banking capabilities, we've got those covered too!

Member Eligibility

Becoming a member of Gowanda Area is like joining a caring community that's dedicated to your financial well-being. If you live, work, or go to school in the Gowanda area, you're already on the path to membership! We welcome anyone who shares our values and wants to take advantage of the friendly service and competitive rates we offer. Whether you're looking for a checking account, loans, or just a place to save, being part of our credit union opens doors to many benefits designed with you in mind. The process is simple! To learn more about specific eligibility criteria and how to get started, check out our detailed information here. If you're ready to take the next step, feel free to reach out at (716) 532-3790 for any questions or assistance. We can't wait to welcome you into the Gowanda Area family!

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

In addition to loans, we offer merchant services that make it easy for you to handle transactions efficiently. Imagine seamlessly processing payments while focusing on what you do best running your business. Our solutions help streamline your operations so you can concentrate on serving your customers and growing your revenue. For personalized service and tailored solutions, visit us at 14266 Taylor Hollow Rd Gowanda Ny 14070 in Gowanda, NY or call us at (716) 532-3790. Let's take your business to the next level together!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about buying a new car? Our auto loans and vehicle financing options make it simple. We understand that purchasing a vehicle is a significant investment. That's why we provide competitive rates and flexible terms to fit your budget. Picture driving away in your new car without the stress of overwhelming payments!

Business Banking

For our entrepreneurial members, our business banking services provide essential support such as merchant services and business loans. We know how challenging it can be to start and grow a business; that's why we aim to empower local businesses with the right tools and resources they need to thrive.

Convenience at Your Fingertips

At Gowanda Area Fcu, convenience is key. Enjoy easy access to all our services through online banking from anywhere or use our mobile app when you're on the go. While we currently do not have ATM or drive-thru services available, our friendly staff is always ready to assist during business hours Monday/Saturday from 9 AM to 1 PM; Tuesday/Wednesday from 9 AM to 4:30 PM; Thursday from 8 AM to 5 PM; and Friday from 9 AM to 5:30 PM. We invite you to explore all that Gowanda Area has to offer by visiting us at 14266 Taylor Hollow Rd Gowanda Ny 14070, calling us at (716) 532-3790, or checking out our website at https://gafcu.org . Join us today and discover how we can help you achieve your financial goals!

Credit Cards with Rewards

Who doesn't love rewards? Our credit cards with rewards offer perks that benefit you while making everyday purchases. Use them for groceries, gas, or travel earn points with every swipe! It's a great way to get something back just for using credit wisely.

Mortgage Loans & Refinancing

If you're ready to buy a home or refinance your existing mortgage, look no further. Our mortgage loans and refinancing services are designed to help you navigate the home-buying process smoothly. We'll work with you to find the best mortgage option that suits your financial situation, ensuring that owning a home is both achievable and affordable.

Personal Banking

Managing your finances has never been easier with our personal banking services. We offer checking and savings accounts that help you keep track of your money while earning interest. Imagine having a secure place to store your funds, where you can access them anytime through our online and mobile banking platforms. You can check balances, transfer funds, and pay bills all from the comfort of your home or on-the-go.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way. With our personal loans and debt consolidation services, we can help you manage those costs effectively. Whether you need funds for medical bills or want to consolidate high-interest debts into one manageable payment, we're here for you every step of the way.

Digital & Online Banking

Key Features

Our online banking service allows you to check balances, transfer funds, and pay bills with just a few clicks. Enjoy the convenience of e-statements, which are readily available for your review, making it easy to keep track of your financial activity without the clutter of paper statements. While we currently do not offer electronic signature authorization or mobile payments, our user-friendly mobile application ensures you can manage your banking needs right from your smartphone. For those moments when you need to send money quickly, we provide the option for person-to-person transfers. Although this feature is not available at the moment, our focus remains on enhancing your experience as a member.

Security and Accessibility

Your security is our top priority. Our online banking platform uses robust security measures to protect your information, allowing you to bank with confidence. Plus, with easy navigation and real-time account management features, you'll find everything you need is just a tap away. Whether you're checking your balance before heading out or reviewing transactions while on the go, Gowanda Area makes it convenient for you to stay connected to your finances. Embrace the ease of managing your money digitally today!

Financial Strength

Commitment to Excellence

Our operational efficiency is reflected in our net income of $0, allowing us to continue offering competitive loan rates and solid financial products for our members. With 3 full-time employees, our team is dedicated to providing personalized service and support whenever you need it.

Growing Member Base

We proudly serve 2,980 total share accounts, showcasing a strong and growing member base that trusts us with their finances. This trust reinforces our commitment to delivering exceptional service tailored to your needs. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Gowanda Area is your trusted partner. Visit us at 14266 Taylor Hollow Rd Gowanda NY 14070 or call 716-532-3790 to learn more about how we can help you achieve your financial goals.

Lending Support

Our lending capacity is robust with $14,490,787 in total loans and leases supporting your financial goals across various sectors. We also have 319 used auto loans actively helping our members purchase their dream vehicles.

Prioritizing Members

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.

Reinvesting in Our Services

With $4,055,718 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. This commitment allows us to enhance security measures and improve overall member experience.

Secure Savings Options

Members' savings are secured through our robust offerings. Although we currently have no share certificates or money market shares available, we focus on maximizing your savings potential with effective and reliable banking solutions.

Strong Financial Health

With a net worth of $4,055,718, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 1339 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 $6,177,296 in used vehicle loans and $5,211,466 in new vehicle loans already helping members get on the road. We provide flexible terms tailored to your budget and needs.

Business Loans

If you're a business owner, our outstanding commercial loans can provide the capital needed to grow and expand your operations. Although we currently do not have any outstanding commercial loans, we are committed to finding solutions that work for you when you're ready. At Gowanda Area, we're dedicated to providing straightforward lending options that empower our members. If you're interested in refinancing or learning about eligibility options for any of our loan products, please don't hesitate to reach out. For more information on how we can assist you with your financial journey, feel free to contact us at (716) 532-3790 or visit us at our branch located at 14266 Taylor Hollow Rd Gowanda Ny 14070 in Gowanda, NY. 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, including Junior Lien 1-4 Family Residential Properties loans totaling $0, make buying or refinancing simple. We're here to guide you through the process, ensuring you have all the support you need.

Personal Finance Solutions

For those looking for additional support, we also offer unsecured credit card loans with a total of $164,676 in loans helping members manage their finances effectively. These cards come with flexible terms designed to fit into your lifestyle.

Loan Aggregator

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How LendMesh Ensures 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 commitment ensures that users receive fair and transparent offers. With LendMesh, you can trust that the information presented is not only accurate but also reflects the current market conditions.

GOWANDA AREA FEDERAL CREDIT UNION