Kinzua Credit Union Tidioute PA | Affordable Auto Loans & Business Banking

Introduction

Welcome to Kinzua Federal Credit Union, where we believe in putting our members first. Located at 115 Main St, Tidioute, PA 16351, we have been serving our community since 1956. With a strong foundation built on trust and reliability, we are proud to support 1,669 members with financial services tailored to their needs. At Kinzua, our assets total an impressive $15,390,112, ensuring we have the resources necessary to help you achieve your financial goals. Whether you're looking for auto loans or personal banking services, we offer a variety of options including checking and savings accounts, mortgages, and credit cards with rewards. Our total deposits amount to $5,343,851, reflecting the confidence our members place in us. We are led by our dedicated CEO, Amy Lyon, and Board President, James Tellman, who work tirelessly to ensure that Kinzua remains a pillar of support in Tidioute. Our team of 8 employees is here to assist you during our lobby hours: Monday & Wednesday from 8:30 AM to 2:00 PM and Friday from 8:30 AM to 4:00 PM. While you can always visit us at our branch location for personalized service, if you need to send official correspondence, please address it to 115 Main St, Suite B, Tidioute, PA 16351. Explore how we can help you navigate your financial journey by visiting us online at kinzuafcu.com or give us a call at 814-484-1026. We look forward to welcoming you into the Kinzua family!

Branch History & Mission

Commitment to Innovation

As times change, so do we. Kinzua Federal Credit Union embraces technology to enhance your banking experience. Our online and mobile banking services allow you to manage your finances conveniently from anywhere. While we currently do not offer ATMs or drive-thru services, we ensure that our lobby hours are flexible enough to accommodate your needs: Monday and Wednesday from 8:30 AM to 2:00 PM and Friday until 4:00 PM. While members can visit us at 115 Main St for all their financial needs, official correspondence should be sent to the same address for convenience.

Join Us Today!

Whether you're looking for a new bank or want to explore various loan options, Kinzua Federal Credit Union is here for you. We invite you to become part of our growing family and experience the benefits of being a member where your success is our mission! For more information about joining us or learning about our services, please call us at 814-484-1026 or visit our website at Kinzua FCU. Together, let's build a brighter future for Tidioute!

Our Mission

At Kinzua, our mission is clear: to empower our members financially while fostering community growth. We aim to provide a wide range of personal banking services from checking and savings accounts to auto loans and mortgages tailored to meet the needs of each member. We believe that strong financial foundations lead to stronger communities. Our dedication extends beyond just banking; we actively engage in outreach efforts that support local initiatives and charities. By partnering with organizations within Tidioute, we strive to make a positive impact on the lives of those we serve.

Branch Location & Accessibility

Accessibility Features

At Kinzua, we prioritize accessibility for all our members. Our branch is fully ADA compliant, with ramps and designated parking spots to ensure everyone can access our services without hassle. We understand how important it is for our community to have a welcoming space to manage their finances.

Call-to-Action

We invite you to visit us at Kinzua Federal Credit Union today! Experience our friendly service firsthand and discover how we can help you achieve your financial goals. If you have any questions or would like more information about our offerings, please feel free to call us anytime. We look forward to seeing you soon!

Operating Hours

We are open Monday and Wednesday from 8:30 AM to 2:00 PM, and on Fridays from 8:30 AM to 4:00 PM. These hours are designed to fit your busy schedule, allowing you to stop by at your convenience. If you ever need assistance outside of these hours, don't hesitate to give us a call at 814-484-1026!

Services Offered

At Kinzua Federal Credit Union, we offer a range of services tailored to meet your financial needs. From checking and savings accounts to auto loans and mortgages, we provide personalized banking solutions just for you. While we currently do not have ATM or drive-thru services available, our dedicated team is ready to assist you inside the branch.

Member Eligibility

At Kinzua, we believe that joining our community should feel like a warm welcome into a family of support and shared goals. To become a member, you simply need to meet some friendly eligibility criteria. If you live, work, worship, or attend school in the Tidioute area or have a family member who does, you're likely eligible! We're here to offer you not just banking services but also personalized financial guidance and a sense of belonging. Opening an account is straightforward and can be done right at our branch located at 115 Main St Tidioute Pa 16351. Our team is always ready to assist you with any questions you may have about the membership process. Feel free to give us a call at (814) 484-1026 for more information, or check out our detailed eligibility requirements at . We can't wait to welcome you as part of our Kinzua family!

Business Banking & Commercial Services

Financing Options for Growth

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 that Work for You

In addition to loans, we offer merchant services designed to simplify everyday transactions. Imagine being able to accept payments from customers easily whether they're using cards or digital wallets. This allows you to focus on what matters most: growing your business. Located at 115 Main St Tidioute Pa 16351 in Tidioute, PA, we're here to provide personalized support for your business needs. Reach out today at (814) 484-1026 and let's discuss how we can assist you!

Comprehensive List Of Services

Business Banking

For our business members, we offer tailored banking solutions including merchant services and business loans. Whether you're starting a new venture or expanding an existing one, we're here to support your growth every step of the way.

Credit Cards with Rewards

Do you enjoy earning rewards on your purchases? Our credit cards come with enticing rewards programs, making everyday spending more beneficial for you. Think about how those points could turn into travel rewards or cash back it's like getting paid for shopping!

Mortgage Loans & Refinancing

Thinking about buying a home? Our mortgage loans come with competitive rates and flexible terms. We also provide refinancing options that can help lower your monthly payments or tap into your home's equity. Picture yourself settling into the perfect home, knowing you have the best mortgage solution backing you up.

Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why we provide robust online and mobile banking features. You can manage your accounts anytime and anywhere from the comfort of your home or on the go no need to rush during lobby hours! Our members appreciate being able to check balances, pay bills, and transfer funds at their fingertips. We invite you to visit us at Kinzua Federal Credit Union in Tidioute, PA, or call us at 814-484-1026 for any questions about our services or how we can assist you better. Let us help you take charge of your financial future today!

Personal Banking

We offer a variety of personal banking options to help you manage your day-to-day finances. Whether you're looking for checking and savings accounts to keep your money secure or want to explore auto loans and vehicle financing, Kinzua has you covered. Imagine driving off in a new car without the stress of complicated financing; our team is here to guide you through every step of the process.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way. That's where our personal loans come in handy. Whether it's for consolidating debt or covering an emergency expense, we work with you to find the right loan that fits your budget. Imagine taking control of your financial situation with just one simple payment each month.

Digital & Online Banking

Key Features

One of the standout features is our e-statements service, which allows you to access your statements electronically. This not only helps reduce paper clutter but also keeps your financial information secure and easily accessible. Plus, for those who love sending money quickly, our person-to-person transfer feature lets you send funds to friends or family in just a few clicks no more hassle with cash or checks. For mobile users, our dedicated mobile application makes it easier than ever to handle your banking needs on the go. Whether you're checking balances or making payments, it all fits right in your pocket. While we currently don't support mobile payments yet, rest assured that our app is continually updated with features that make banking even more convenient.

Security You Can Trust

We prioritize your safety with every transaction. While we do not utilize electronic signature authorization at this time, we ensure that all online transactions are secured with robust security measures so that you can bank confidently. With these tools at your disposal, managing your finances has never been simpler or more efficient. Join us at Kinzua today and take advantage of these fantastic digital services!

Financial Strength

Growing Membership

Total Share Accounts stand at 2,874, 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, Kinzua is your trusted partner. Visit us at 115 Main St Tidioute Pa 16351 or call (814) 484-1026 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

Members' savings are secured through $168,043 in share certificates, 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 efficient operations are reflected in our $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 5 full-time employees and 3 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvestment for Growth

With $2,301,571 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is also significant; with $127 in used auto loans and $4,736,148 in total loans and leases, we support our members' financial goals across various sectors.

Strong Financial Foundations

With a net worth of $2,303,221, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,496 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 facilitated over $1,997,548 in used vehicle loans and $1,017,764 in new vehicle loans already helping members get on the road. Our auto loan options are designed to be flexible and accessible, making it easy for you to choose the right financing plan that fits your budget.

Credit Lines and Unsecured Loans

For those looking to manage everyday expenses or unexpected costs, we provide flexible credit lines with a total availability of $250,000. Additionally, we also offer unsecured credit card loans totaling $432,546, which help members manage their finances effectively without needing collateral. These options allow for greater financial freedom and convenience in your daily life. Our commitment at Kinzua is to support you through various financial stages and goals. Feel free to reach out via phone at 814-484-1026 or visit us at 115 Main St Tidioute Pa 16351 for more information about our loan offerings or any specific questions you might have regarding refinancing options or eligibility criteria. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Our team is dedicated to helping you navigate your financial journey with confidence and ease.

Mortgage Loans

Thinking about homeownership? While we currently do not offer mortgage options for Junior Lien 1-4 Family Residential Properties at this time, we encourage you to explore other financing opportunities with us. If you're considering refinancing your existing mortgage or looking into eligibility options for future needs, our team is here to assist you every step of the way.

Loan Aggregator

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KINZUA FEDERAL CREDIT UNION