Kinecta Webster NY Credit Union | Affordable Auto Loans & Business Banking

Introduction

Welcome to Kinecta, your trusted financial partner in Webster, NY! Located at 189 W Main St, our branch has been a part of the community since 1940, proudly serving over 251,000 members with a commitment to exceptional service and support. With total assets exceeding $6.7 billion and total deposits reaching $206 million, we are dedicated to helping you achieve your financial goals. At Kinecta, we understand that banking is more than just transactions; it's about building relationships and fostering community growth. Our experienced team, led by CEO Keith Sultemeier and Board President Jeffry Yonemura, works tirelessly to provide you with a full range of services tailored to your needs, from personal banking options like checking and savings accounts to auto loans, mortgages, and business banking solutions. While members can visit us at our branch on Main Street, official correspondence should be sent to the same address: 189 W Main St, Webster, NY 14580. We invite you to explore our offerings through our website at www.kinecta.org, where you can also access online and mobile banking features designed for your convenience. Our commitment to our members goes beyond finances. With a strong net worth of $551 million and cash in hand amounting to $42 million, we ensure that your money is secure while being ready to support local initiatives and member needs. Whether you're looking for loans over 114,000 already funded or seeking advice on managing your finances effectively, we're here for you every step of the way. Ready to take the next step? Call us today at 585-545-2000 or visit us during our lobby hours from Monday through Friday, 9:00 AM - 5:00 PM. Let Kinecta help you thrive financially!

Branch History & Mission

At Kinecta, we take pride in our rich history and unwavering commitment to serving the community. Established in 1940, our Webster branch has grown alongside its members, fostering financial well-being and community connections for over eight decades. Located at 189 W Main St, Webster, NY 14580, we are ideally situated near local landmarks that reflect the vibrant spirit of our town. Our mission is simple yet powerful: to provide exceptional financial services while supporting the community we call home. With a total membership of over 251,834, we understand that each member's needs are unique. That's why we offer a variety of services from personal banking options like checking and savings accounts to auto loans and mortgages. Our focus extends beyond just banking; we aim to empower our members through education and outreach initiatives. Kinecta is not just about numbers though our impressive total assets of $6,748,872,512 speak volumes about our stability and reliability. We believe in transparency and accessibility for all. That's why we have embraced modern banking conveniences including online banking, mobile payments, and electronic statements. Our branch is ADA compliant, ensuring everyone can access our services comfortably. In addition to providing essential financial products, we are dedicated to community engagement. Through partnerships with local organizations and schools, we actively contribute to programs that uplift our neighborhood. Whether it's financial literacy workshops or sponsorship of local events, Kinecta is invested in the well-being of Webster. While members can visit us at 189 W Main St for all their banking needs during our operating hours Monday through Friday from 9:00 AM to 5:00 PM and Saturday from 9:00 AM to 1:00 PM official correspondence should be sent to the same address. We invite you to join Kinecta today! Experience firsthand how we can help you achieve your financial goals while being a part of a caring community-focused credit union. For more information or assistance, please call us at 585-545-2000 or visit us online at Kinecta.

Branch Location & Accessibility

Comprehensive Banking Services

At Kinecta, we offer a range of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgages, we've got you covered. Need cash? Our ATM is available for quick withdrawals and balance checks. Plus, if you prefer the convenience of drive-thru banking, we provide basic deposit and withdrawal services right from your car.

Convenient Access and Parking

Parking is ample and easily accessible right outside our branch, ensuring a hassle-free visit. We've designed our location with accessibility in mind, featuring ADA-compliant entrances and ramps so everyone can feel welcome.

Operating Hours That Fit Your Schedule

We understand that life can be busy. That's why our lobby hours are designed to fit your schedule. You can visit us Monday through Friday from 9:00 AM to 5:00 PM, and if you need to swing by on Saturday, our drive-thru is open from 9:00 AM to 1:00 PM. Unfortunately, we are closed on Sundays.

Stay Connected

If you have questions or need assistance before your visit, feel free to give us a call at 585-545-2000. Our friendly team is here to help! While members can visit us at our branch location, official correspondence should be sent to the same address: 189 W Main St, Webster, NY 14580. Come see us today at Kinecta in Webster! We look forward to helping you with all your banking needs.

Member Eligibility

At Kinecta, we believe that becoming a member is like joining a family where everyone supports one another. If you're interested in joining us, you'll be glad to know that eligibility is open to a wide range of individuals! Generally, anyone who lives, works, or worships in our community can become a member. This means you could be a local resident, an employee of a local business, or even someone who attends church in the area. The process is simple and welcoming just visit us at our branch located at 189 W Main St Webster Ny 14580 or give us a call at (585) 545-2000 for more information. Once you confirm your eligibility, opening an account with Kinecta is straightforward. We offer various accounts and services designed to meet your financial needs while providing the support you deserve. For detailed information on eligibility criteria, check out our resource at https://kinecta.myori.com/app/oao/membership. When you're ready to take the next step, you can easily begin your membership journey by visiting https://securebanking.kinecta.org/registration. Join us today and experience the advantages of being part of our vibrant community!

Business Banking & Commercial Services

Practical Merchant Services

In addition to loans, we offer essential merchant services that simplify your payment processing. Picture this: you serve a customer who wants to pay with their card. With our easy-to-use point-of-sale systems, you can accept payments quickly and securely, allowing you to focus on what you do best running your business. Located at 189 W Main St Webster Ny 14580, Webster, NY, our team is dedicated to providing personalized support and expertise tailored to the unique needs of local businesses. Let us partner with you on your journey to success!

Supporting Business Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $415 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $779,447,626, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Banking Options

For small business owners, we understand the unique challenges you face. Our Business Banking services include essential tools like Merchant Services and Business Loans to help your enterprise thrive. We work with you to create solutions that foster growth and success.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we prioritize digital banking features at Webster Main Branch. Our robust Online & Mobile Banking platforms allow you to manage your finances anytime, anywhere. You can easily transfer funds, pay bills, or check your balance from the comfort of your home or on the go using our mobile application. We also provide access to ATMs and cash withdrawal services that ensure you have quick access to your money when needed. If you're in a hurry but still need to handle basic transactions, our Basic Drive-Thru Banking offers a simple way to deposit or withdraw cash without leaving your car.

Personal Banking Solutions

Our personal banking services are designed to simplify your everyday financial transactions. We offer a variety of Checking & Savings Accounts that help you manage your money effectively. Whether you're saving for a vacation or planning for retirement, we have accounts that fit your goals. For those in need of financing, our Auto Loans & Vehicle Financing options make purchasing a vehicle straightforward and accessible. Imagine driving off in your dream car without the stress of complicated loan processes! Additionally, if you're thinking about buying a home or refinancing an existing mortgage, our Mortgage Loans & Refinancing services provide competitive rates and expert guidance to help you navigate this important decision. If you're facing unexpected expenses or looking to consolidate debt, our Personal Loans & Debt Consolidation services can offer relief. And don't forget about our Credit Cards with Rewards, designed to earn you benefits while you spend.

Shared Services and Accessibility

We believe in making banking accessible for everyone. Our Basic Shared Branch Transactions allow members from partner credit unions to conduct deposits and withdrawals here at our branch. This collaborative approach means more options and flexibility for all our members. For those who prefer a traditional banking experience but still want modern conveniences, we also have basic ATM access available for withdrawals and balance checks. At Kinecta, we are committed to being there for you every step of the way whether it's through personal banking services or innovative digital solutions. We invite you to visit us at 189 W Main St Webster Ny 14580 or call us at (585) 545-2000 for more information on how we can help with all your financial needs! Come see how easy banking can be!

Digital & Online Banking

Key Features

With our user-friendly mobile application, you can check your balance, transfer funds, and pay bills right from your smartphone. We also offer mobile payments, allowing you to make purchases quickly and securely without needing cash or cards. Need to send money to a friend? Our person-to-person transfer service makes it simple to send and receive funds instantly. Security is a top concern in today's digital world, and we take it seriously. Our electronic signature authorization feature ensures that your transactions are safe and secure, giving you peace of mind with every click. Plus, e-statements are available for those who prefer a paperless option, making it easy to keep track of your finances while reducing clutter.

Real-Time Account Management

Managing your accounts has never been easier. With our 24/7 online banking services, you can view transactions in real-time, set up alerts for important updates, and access all the information you need to stay on top of your financial goals. The ease-of-use of these tools empowers you to take control of your finances whenever you need to. Join us at Kinecta today and experience the freedom of digital banking tailored just for you!

Financial Strength

Committed to Growth

Our $455,130,523 in undivided earnings allows us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. With $19,331 in used auto loans and $5,730,695,616 in total loans and leases, our lending capacity supports your financial goals across various sectors.

Growing Together

Our commitment to serving you is underscored by our impressive member base with 464,147 total share accounts. This growing trust from our community speaks volumes about the strength of Kinecta. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Kinecta is your trusted partner. Visit us at 189 W Main St Webster Ny 14580 or call (585) 545-2000 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings Options

Your savings are secured through $1,929,331,277 in share certificates and $216,076,605 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members' interests. With non-member deposits at $0, we ensure that our resources focus on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our efficient operations are highlighted by our $0, which reflects our ability to manage resources effectively while continuing to offer competitive loan rates and solid financial products for our members. We also take pride in having 673 full-time employees and 22 part-time employees dedicated to ensuring that you receive top-notch service whenever you visit us.

Our Solid Foundation

With a net worth of $551,264,425, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. This solid foundation is further reflected in our net worth ratio of $816, which demonstrates our commitment to maintaining a robust capital base. This ensures 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 $335,164,766 in used vehicle loans and $355,441,941 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new model or a reliable used vehicle, our competitive rates make it easier than ever to drive away happy.

Business Financing

For business owners seeking growth opportunities, our outstanding commercial loans totaling $779,447,626 provide the capital necessary for expansion and investment in your business ventures. We understand that each business has unique needs and are committed to providing personalized solutions that align with your goals.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $353,306,183, providing flexible terms tailored to your unique situation. Whether you are a first-time homebuyer or looking to refinance an existing mortgage, our knowledgeable staff is ready to guide you through the process.

Refinancing Options

If you're considering refinancing any of your existing loans for better rates or terms, our team can help assess your options and ensure you receive the best deal possible. We prioritize making sure that all members feel informed about their choices and confident in their financial decisions. At Kinecta located at 189 W Main St Webster NY 14580, we're dedicated to serving our community's financial needs. If you're interested in learning more about any of these loan products or wish to discuss eligibility options further, please don't hesitate to reach out at 585-545-2000. 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 us partner with you on your journey towards achieving financial success!

Unsecured Credit Card Loans

Managing everyday expenses can sometimes be challenging. That's why we also offer flexible terms on unsecured credit card loans, with a total of $115,997,560 in loans helping members manage their finances effectively. Our credit cards come with various benefits that can complement your lifestyle while ensuring you have access to funds when needed.

Loan Aggregator

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Kinecta

Type of Loan Offerings

Home Equity Loans