Inner Lakes Credit Union Dunkirk NY | Affordable Auto Loans & Business Banking

Introduction

Welcome to Inner Lakes, your trusted partner in financial wellness right here in Dunkirk, NY! Located at 338 Central Ave, our branch has been serving the community since 1952, offering a wide range of personal and business banking solutions tailored to meet your unique needs. With a robust membership of over 10,625 individuals and total assets exceeding $145 million, we take pride in being a cornerstone of financial support for our members. At Inner Lakes, we understand that community matters. Our commitment to you goes beyond just numbers; it's about building lasting relationships based on trust and reliability. Whether you're looking for auto loans, personal loans, or credit card options with rewards, we've got you covered. Our total deposits stand at $14,271,685, reflecting the confidence our members place in us every day. The heart of our organization is our dedicated team of 27 employees, led by our CEO, Carl Swan, and Board President, William Bills. Together, they ensure that every member receives personalized service and guidance in achieving their financial goals. We're not just a credit union; we're part of your journey toward financial success. While you can visit us at our branch for all your banking needs, please note that official correspondence should be sent to the same address: 338 Central Ave, Dunkirk, NY 14048. We invite you to explore how we can assist you today. For more information or to speak with one of our friendly representatives, don't hesitate to call us at 716-366-5864. Join us at Inner Lakes and discover the difference a local credit union can make!

Branch History & Mission

Welcome to the story of Inner Lakes, a credit union that has been serving the Dunkirk community since its establishment in 1952. Located at 338 Central Ave, Dunkirk, NY 14048, Inner Lakes has grown from humble beginnings into a trusted financial partner for over 10,625 members. With total assets amounting to an impressive $145,665,917, our branch stands as a testament to the power of community-focused banking. Since opening our doors, Inner Lakes has evolved significantly. Initially founded to provide accessible financial services to local residents, we have expanded our offerings to include personal banking accounts, auto loans, mortgages, and business banking solutions. Our commitment to meeting the diverse needs of our members drives us forward every day. At Inner Lakes, our mission is clear: we strive to enhance the financial well-being of our members while fostering a spirit of community support. We believe in empowering individuals and families through sound financial education and personalized service. Our team is dedicated to ensuring every member feels valued and understood after all, your success is our success. While you can visit us at our branch on Central Avenue for all your banking needs, please note that official correspondence should be sent to the same address: 338 Central Ave, Dunkirk, NY 14048. Our operating hours are designed with your convenience in mind: we are open Monday and Thursday from 9:00 am to 5:00 pm; Tuesday and Wednesday from noon to 5:00 pm; and Friday from 9:00 am to 6:00 pm. As we move forward in this digital age, Inner Lakes embraces modern technology while maintaining ADA compliance and enhancing customer service initiatives. We offer online banking options that allow you to manage your finances anytime, anywhere. Although we currently do not have ATM services or drive-thru banking available at this location, we're proud of our partnerships with local businesses and organizations that strengthen our community ties. We invite you to join us at Inner Lakes where you will find not only a range of financial products but also a commitment to making a difference in your life and in Dunkirk. Experience the benefits of being part of a cooperative where everyone is treated like family. Come visit us today or reach out at 716-366-5864 we can't wait to welcome you!

Branch Location & Accessibility

Welcome to Inner Lakes, your trusted partner for financial services! Located at 338 Central Ave in the heart of Dunkirk, NY, our Dunkirk Office is designed with convenience in mind. Whether you're just down the street or visiting from nearby communities, you'll find us easily accessible. We're proud to be part of Chautauqua County, close to local favorites like the beautiful Lake Erie shoreline and the lively downtown area. While members can visit us at our branch address, official correspondence should be sent to our mailing address: 338 Central Ave, P.O. Box 1133, Dunkirk, NY 14048. At Inner Lakes, we strive to make your banking experience as smooth as possible. Our facility features accessible entrances and parking options for all members, ensuring that everyone can visit us comfortably. Although we currently do not have an ATM on-site or drive-thru banking available, our team is here to assist you inside during our welcoming hours. We're open Monday and Thursday from 9:00 AM to 5:00 PM, Tuesday and Wednesday from Noon to 5:00 PM, and Friday from 9:00 AM to 6:00 PM. Feel free to call us at 716-366-5864 if you have any questions or need assistance with your banking needs. At Inner Lakes, we offer a wide range of services including personal banking options like checking and savings accounts, auto loans, mortgage loans, and credit cards with rewards. Our dedicated team is eager to help you navigate your financial journey. We invite you to stop by our Dunkirk Office today! Let's work together towards your financial goals in a friendly and supportive environment.

Member Eligibility

At Inner Lakes, we believe that everyone deserves a supportive financial community, and joining us is easy! If you live, work, or worship in our local area or have family members who are already members, you're likely eligible to become part of our family. We're here to help you navigate your financial journey with personalized services and benefits tailored just for you. For more detailed eligibility criteria, feel free to check out our resource page at . Opening an account with us is straightforward and welcoming. You can visit us at our branch located at 338 Central Ave Dunkirk Ny 14048, where our friendly staff will guide you through the process. If you have any questions or need assistance, don't hesitate to call us at (716) 366-5864. Joining Inner Lakes means accessing a range of financial products designed to meet your needs, along with the support of a community that truly cares about your success!

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 $2 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $5 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $171,461, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, we offer comprehensive merchant services designed to simplify payment processing for your business. Imagine being able to accept payments seamlessly from your customers whether they're shopping online or in-store. Our services not only enhance customer experience but also streamline your operations, allowing you to focus on what you do best: running your business. Visit us at 338 Central Ave Dunkirk Ny 14048 in Dunkirk, NY, or call us at (716) 366-5864 to learn more about how we can partner with you for success.

Comprehensive List Of Services

Business Banking Services

If you're a business owner, we've got your back too! Our business banking services, including merchant services and business loans, are crafted to support your venture's growth. We know running a business comes with its challenges, so let us help simplify your banking needs.

Contact Us Today!

We're excited to assist you in achieving your financial goals! If you have any questions about our services or would like to discuss how we can best meet your needs, feel free to reach out at (716) 366-5864. Visit us at 338 Central Ave Dunkirk Ny 14048, or explore more about our offerings on our website: Dunkirk Office. Your journey towards financial wellness starts here at Inner Lakes!

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking solutions. Check your balance, transfer funds, or pay bills anytime from anywhere right from your smartphone or computer! With features like online statements and person-to-person payments, managing your finances has never been easier.

Flexible Loan Options

Life can throw unexpected expenses your way, and that's where our personal loans and debt consolidation options come into play. We can assist you in consolidating existing debts into one manageable payment, helping alleviate financial stress. Additionally, our credit cards with rewards allow you to earn while you spend. Whether you're buying groceries or booking a vacation, enjoy benefits that suit your lifestyle.

Personal Banking Solutions

When it comes to managing your money, we offer a range of personal banking options that make it easy for you to save and spend wisely. Our checking and savings accounts come with features that help you keep track of your finances effortlessly. Whether you're saving for a special occasion or just want the convenience of easy access to your funds, we have the right account for you. If you're considering purchasing a new car or need financing for a vehicle, our auto loans and vehicle financing options are designed with competitive rates to help you drive away in the car of your dreams without breaking the bank. For those looking to buy a home or refinance an existing mortgage, our mortgage loans and refinancing services can guide you through the process, ensuring you understand all your options so you can make informed decisions.

Digital & Online Banking

Key Features

Our 24/7 online banking services allow you to check balances, transfer funds, and pay bills with just a few clicks. You can also enjoy the benefits of e-statements, which provide a quick and eco-friendly way to keep track of your financial activity. No more waiting for paper statements everything is available at your fingertips! For those moments when you need to send money quickly, our person-to-person transfer feature makes it simple to send or receive funds instantly from friends and family. Plus, if you're always on the go, our mobile application gives you the power to manage your accounts right from your smartphone.

Security and Ease-of-Use

Your security is our top priority. While we do not currently offer electronic signature authorization, rest assured that our systems are designed with multiple layers of protection to keep your information safe. Our user-friendly interface ensures that navigating through your account is straightforward, so even if you're not tech-savvy, you'll feel right at home. With all these tools at your disposal, managing your finances has never been easier. Experience the convenience of digital banking with Inner Lakes today!

Financial Strength

A Dedicated Team

We also take pride in having 27 full-time employees and 0 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Our operational efficiency reflects our $0, enabling us to continue offering competitive loan rates and solid financial products for our members.

Commitment to Growth

With $14,167,004 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 $4,244 in used auto loans and $56,858,765 in total loans and leases.

Protecting Your Savings

Members' savings are secured through $27,570,252 in share certificates and $14,182,444 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 Financial Foundation

With a net worth of $14,406,937, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $987 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Trustworthy Member Base

Total Share and Deposit Accounts: 18,733, showing 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, Inner Lakes is your trusted partner. Visit us at 338 Central Ave Dunkirk Ny 14048 or call (716) 366-5864 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.*

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $14,761,143 in new vehicle loans and $14,024,539 in used vehicle loans already helping members get on the road. Whether you're buying a brand-new model or a reliable used car, our team is here to guide you through the process.

Business Financing

For business owners looking for capital to grow and expand their ventures, our outstanding commercial loans amounting to $171,461 provide essential support. Whether it's for equipment purchases or expanding operations, we are committed to helping local businesses thrive. If you're interested in any of these loan products or wish to learn more about refinancing options and eligibility criteria, feel free to reach out! You can contact us at (716) 366-5864 or visit us at 338 Central Ave Dunkirk Ny 14048. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let's take this step together toward securing your financial future!

Credit Lines

For those who prefer flexibility in managing their finances, we provide credit lines totaling $50,895,107. This option gives you access to funds when you need them most while allowing you to pay interest only on what you use.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We provide Junior Lien 1-4 Family Residential Property loans totaling $7,638,203, making it easier for you to turn your dream of owning a home into reality.

Unsecured Credit Card Loans

Managing everyday expenses can sometimes be challenging. We also offer flexible terms on unsecured credit card loans, with a total of $2,856,777 in loans helping members manage their finances effectively. This option allows you to make purchases without needing collateral while enjoying manageable payment plans.

Loan Aggregator

Benefits of Using LendMesh

LendMesh offers several key benefits: - Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. Users can trust that the information provided is reliable. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. Every user receives the same fair opportunity to find the best rates available. - Real-Time Rate Comparisons: The platform provides up-to-date loan rates from multiple institutions. This feature helps users make informed decisions tailored to their financial needs. Thousands of users trust LendMesh for loan comparisons. One member shared, "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This kind of feedback highlights the platform's effectiveness and reliability. Compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

How LendMesh Ensures Accurate Loan 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 to accuracy means that every comparison reflects genuine offers, ensuring fair and transparent choices for borrowers.

Inner Lakes