Grand Central Terminal Employees Credit Union NY | Best Auto Loans & Quick Personal Loans

Introduction

Welcome to Grand Central Terminal Employees located at 15 Vanderbilt Ave Ste D41, New York, NY 10017! Since our establishment in 1936, we have been dedicated to serving our members with a deep commitment to community and personal finance. With a robust membership of 1,534 individuals, we strive to provide exceptional financial services tailored to meet your needs. At Grand Central Terminal Employees, we understand the importance of trust and reliability when it comes to managing your finances. Our total assets amount to an impressive $6,899,482, reflecting our strong financial foundation. We are proud to offer a variety of services, including checking and savings accounts, auto loans, mortgage loans, and more ensuring that every member can find the right solutions for their unique circumstances. Our leadership team is passionate about guiding our credit union toward continued success. Under the stewardship of CEO Inderia Rubino and Board President John Durousseau, we emphasize transparency and service excellence. Together with our dedicated team of 2 employees, we are here to support you every step of the way. While you can visit us directly at our branch location, please note that official correspondence should be sent to the same address: 15 Vanderbilt Ave Ste D41, New York, NY 10017-3815. If you need assistance or have questions about your accounts, don't hesitate to reach out! You can contact us at (212) 697-5367 during our lobby hours from Monday to Friday, 9 AM - 3 PM. Join us in experiencing the difference at Grand Central Terminal Employees where your financial well-being is our top priority! Whether you're looking to open a new account or explore loan options, we invite you to visit us today or give us a call. Your journey toward better financial health starts here!

Branch History & Mission

Commitment to Community

At Grand Central Terminal Employees, we pride ourselves on being more than just a credit union; we are active participants in our community. Our outreach efforts include partnerships with local organizations that focus on education and financial literacy. We are committed to making a difference and supporting initiatives that uplift those around us. We also understand the importance of innovation in today's world. While we currently do not offer digital banking services like online banking or mobile payments, we strive to keep pace with member needs and preferences as technology evolves.

Join Us Today!

As we look towards the future, our dedication remains firm: to serve our members with integrity and care. Whether you're looking for personal loans or business banking solutions, we're here for you every step of the way during our operating hours from Monday to Friday, 9 AM - 3 PM. If you're seeking a supportive financial partner that truly values its members, consider joining Grand Central Terminal Employees today! Experience firsthand the benefits of being part of a community-focused credit union dedicated to your success. For more information or assistance, feel free to reach out at 212-697-5367 we're excited to welcome you!

Our Story

From its humble beginnings in the bustling heart of New York City, Grand Central Terminal Employees has evolved into a cornerstone of financial support for its members. Over the years, we have expanded our services to meet the diverse needs of our community. We provide personal banking options like checking and savings accounts, auto loans, mortgage loans, and even credit cards with rewards. Our mission is straightforward yet impactful: to empower our members through accessible financial services while fostering a sense of belonging within our community. We believe that everyone deserves the opportunity to achieve their financial goals without facing unnecessary barriers. While members can visit us at 15 Vanderbilt Ave Ste D41, official correspondence should be sent to 15 Vanderbilt Ave Ste D41, New York, NY 10017-3815 if different from our branch address.

Branch Location & Accessibility

Accessibility Features

Our branch is designed with accessibility in mind, ensuring everyone can reach us comfortably. We comply with ADA standards and provide ramps for easy entry. We invite you to stop by or give us a call at 212-697-5367 for any questions or to learn more about how we can help you achieve your financial goals. Experience the warmth of community banking at Grand Central Terminal Employees today!

Convenient Access and Nearby Landmarks

You'll find our branch nestled right near iconic landmarks, making it a perfect stop for those on the go. With easy access from public transportation and nearby parking options, visiting us is a breeze. If you need to send official correspondence, please note that our mailing address is also 15 Vanderbilt Ave Ste D41, New York, NY 10017-3815.

Welcoming Environment and Services Offered

At Grand Central Terminal Employees, we pride ourselves on providing a friendly atmosphere. Our operating hours are Monday through Friday from 9 AM to 3 PM, allowing you ample time during the week to drop by. While we currently do not have ATM services or drive-thru banking available, our dedicated staff is ready to assist you with personal banking services like checking and savings accounts, auto loans, mortgage loans, and more. We also offer business banking solutions to support your entrepreneurial endeavors.

Member Eligibility

At Grand Central Terminal Employees, we're excited to welcome you into our community! Becoming a member is not just about banking; it's about joining a family that cares for your financial well-being. To be eligible, you typically need to be an employee of Grand Central Terminal or associated with its operations. We believe that everyone deserves a chance to thrive financially, so we've made the membership process straightforward and friendly. If you're interested in learning more about the specific eligibility criteria, please check out our details at . Once you're ready to join us, opening an account is simple and hassle-free. Just give us a call at (212) 697-5367, and our dedicated team will guide you through each step. We're located at 15 Vanderbilt Ave Ste D41 New York Ny 10017, where you can visit us during our operating hours from Monday to Friday, 9 AM to 3 PM. Join Grand Central Terminal Employees today and experience the advantages of being part of a supportive credit union tailored just for you!

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

Imagine running your business smoothly with payment solutions that cater to your customers' needs. Our merchant services allow you to accept payments easily, whether in-store or online. This means less hassle for you and more convenience for your customers, allowing you to focus on what you do best growing your business. Located at 15 Vanderbilt Ave Ste D41 New York Ny 10017, New York, NY, we invite you to discover how our business banking and commercial services can support your entrepreneurial journey. Call us at (212) 697-5367 to learn more!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Are you dreaming of a new car? Our Auto Loans & Vehicle Financing options provide competitive rates that make it easier for you to hit the road. Imagine driving off in your new vehicle sooner than you thought possible, all while enjoying affordable monthly payments tailored to fit your budget.

Business Banking

If you're a business owner, our Business Banking solutions include essential services like Merchant Services and Business Loans designed to help your company thrive. We know that running a business requires resources and support, and we're here to assist in achieving your goals.

Credit Cards with Rewards

For those who love earning rewards on their purchases, our Credit Cards with Rewards program allows you to earn points or cash back on everyday spending. It's not just about having a credit card; it's about making every purchase work for you.

Mortgage Loans & Refinancing

Buying a home is one of the biggest decisions you'll ever make. With our Mortgage Loans & Refinancing services, we guide you through the process smoothly. We offer various mortgage solutions that cater to first-time buyers as well as seasoned homeowners looking to refinance for better rates. Picture yourself settling into your dream home with peace of mind knowing you're supported every step of the way.

Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why we offer robust Online & Mobile Banking options that allow you to manage your finances anytime, anywhere. Check balances, transfer funds, and pay bills right from the palm of your hand making banking easier than ever before. At Grand Central Terminal Employees, we believe in building relationships and supporting our members' financial well-being. If you're interested in learning more about how we can assist you with these services or if you have questions about membership eligibility, feel free to reach out at (212) 697-5367 or visit us during our lobby hours from Monday through Friday from 9 AM to 3 PM. We look forward to serving you!

Personal Banking

We understand that managing personal finances can be challenging. That's why we offer Checking & Savings Accounts designed to help you save effectively while keeping your money easily accessible. You can choose accounts with features that fit your lifestyle, whether you're saving for a rainy day or planning a big purchase.

Personal Loans & Debt Consolidation

Life often throws unexpected expenses our way. Our Personal Loans & Debt Consolidation services are here to help manage those challenges. Whether you need funds for an emergency or want to combine multiple debts into one manageable payment, we provide flexible options that suit your needs.

Digital & Online Banking

Key Features

With our online banking platform, accessible at , you can manage your accounts from anywhere, at any time. Whether you're checking your balance or transferring funds, our user-friendly interface makes it simple. Although we currently do not offer features like e-statements or mobile payments, rest assured that your online experience is secure and straightforward.

Real-Time Management

Even without person-to-person transfers or 24/7 online banking services at this time, you still have the tools needed for effective account management right at your fingertips. Our straightforward platform allows for easy monitoring of transactions and balances so you can stay informed about your financial health. At Grand Central Terminal Employees, we're dedicated to providing you with the digital tools you need while ensuring that safety and ease of use are always front and center. Join us today and experience how our online banking services can simplify your financial management!

Security and Accessibility

While we do not have electronic signature authorization or a mobile application available yet, our commitment to protecting your personal information remains strong. You can feel confident knowing that our systems prioritize your security as you navigate through your account details.

Financial Strength

Growing Community Trust

Total Share and Deposit Accounts: 1,534, showcasing 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, Grand Central Terminal Employees is your trusted partner. Visit us at 15 Vanderbilt Ave Ste D41 New York Ny 10017 or call (212) 697-5367 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.

Member-Centric Savings Options

Your savings are secured through $0 in share certificates and $0 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.

Operational Efficiency

Our impressive $0 shows our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 2 full-time employees and 0 part-time employees who are always ready to assist you with knowledgeable service.

Reinvesting in Your Future

With $823,362 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our commitment to lending is reflected in our $1,508,963 in total loans and leases, including $6 dedicated to used auto loans. This capacity supports your financial goals across various sectors.

Strong Financial Health

With a net worth of $891,618, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,292 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 $97,948 in used vehicle loans and $256,249 in new vehicle loans already helping members get on the road. We offer flexible terms and competitive interest rates to make your car buying experience as smooth as possible.

Credit Lines and Personal Loans

Need extra cash for unexpected expenses? We provide credit lines totaling $370,000, allowing you to manage your finances effectively and address those surprise costs. Additionally, while we currently do not offer unsecured credit card loans, we are dedicated to helping our members find solutions that work for them.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $0, make buying or refinancing simple. Whether you're a first-time buyer or looking to refinance an existing mortgage, our team is here to guide you through every step of the process.

Refinancing Options

If you're considering refinancing any of your existing loans whether it's an auto loan or a mortgage our team can assist you in exploring eligibility options that may lead to lower payments and better terms. For any inquiries regarding our loan products or eligibility requirements, feel free to contact us at (212) 697-5367. Our team is available Monday through Friday from 9 AM to 3 PM to assist you with all your financial needs. All performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. At Grand Central Terminal Employees, we're committed to providing personalized service and tailored solutions that fit your unique financial situation.

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GRAND CENTRAL TERMINAL EMPLOYEES FEDERAL CREDIT UNION - New York, NY