Local 41 IBEW Credit Union Orchard Park NY | Best Auto Loans & Business Banking

Introduction

Welcome to Local 41 I.b.e.w., your trusted partner in financial wellness since 1976. Located at 3564 California Rd, Orchard Park, NY 14127, we take pride in serving our community with a range of personalized banking solutions designed to meet your unique needs. Whether you're looking for checking and savings accounts, auto loans, or mortgage refinancing, our dedicated team is here to help you every step of the way. With a strong commitment to our members, we currently boast a membership of over 2,055 individuals. Our total assets stand at an impressive $17,458,781, showcasing our stability and reliability as a credit union. We have issued 813 loans to our valued members, helping them achieve their dreams and financial goals. Additionally, we hold $1,325,733 in deposits, reflecting the trust our members place in us. At Local 41 I.b.e.w., we understand that financial decisions can be daunting. That's why we strive to create a welcoming environment where you feel comfortable discussing your finances with our knowledgeable staff. Led by CEO Stacy Bognar and Board President Richard Ehlers, our team works tirelessly to provide exceptional service and support to each member of our community. While you can visit us at our branch location for all your banking needs, please remember that official correspondence should be directed to the same address: 3564 California Road, Orchard Park, NY 14127. We invite you to explore the various services we offer on our website at Local 41 I.b.e.w. FCU. If you have any questions or need assistance, don't hesitate to reach out at 716-662-6133 during our operating hours: Monday, Tuesday, Thursday & Friday from 9:30 am - 5:00 pm and Wednesday from 11 am - 6 pm. Join us today and experience the benefits of being a part of the Local 41 I.b.e.w. family!

Branch History & Mission

Community Engagement

Our dedication goes beyond transactions; it includes partnerships with local organizations that enrich the community. By engaging in various outreach programs and events, we support initiatives that resonate with our values and enhance the quality of life for residents in Orchard Park. With no ATM or drive-thru service currently available at our location, we encourage members to utilize our online resources for quick access to their accounts and essential services. We believe that convenience should never come at the cost of personal touch. Join us at Local 41 I.b.e.w., where we are not just about numbers but about building relationships. Experience firsthand the benefits of being part of a credit union that puts people before profits. Visit us today or call us at 716-662-6133 for more information on how you can become a member of our growing family!

Our Mission

The mission of Local 41 I.b.e.w. is simple yet powerful. We strive to provide exceptional financial services while empowering our members and uplifting the community. Our commitment extends beyond just banking; we aim to foster financial literacy and support initiatives that contribute positively to the lives of those we serve. Whether it's through personal banking options like checking and savings accounts or specialized services such as auto loans and business banking solutions, we're here to help our members achieve their goals. As we continue to embrace digital advancements with services like online banking and mobile applications, we maintain a strong focus on customer service. Our team is always ready to assist with personalized advice tailored to each member's unique situation.

Branch Location & Accessibility

Welcome to Local 41 I.b.e.w., your friendly neighborhood credit union located at 3564 California Rd, Orchard Park, NY 14127. We understand that convenience is key when it comes to banking, and our branch is ideally situated for easy access. Just a stone's throw away from local favorites, like the Orchard Park Town Hall and the bustling shops on California Road, we're here to serve you in a location that's familiar and accessible. While members can visit us at our branch address, official correspondence should be sent to the same address: 3564 California Road, Orchard Park, NY 14127. We're committed to providing a welcoming environment for everyone. Our facility is fully ADA-compliant, ensuring that all members can easily navigate our space. When you visit us, you'll find ample parking available right outside our doors. No need to worry about finding a spot! Our operating hours are designed with your schedule in mind: we're open Monday, Tuesday, Thursday, and Friday from 9:30 AM to 5:00 PM, and on Wednesdays from 11 AM to 6 PM. Whether you're stopping by before work or during lunch breaks, we're here to assist you. At Local 41 I.b.e.w., we offer a variety of services tailored just for you whether you need personal banking solutions like checking and savings accounts or are interested in auto loans and mortgages. While we currently do not have ATM services or drive-thru banking available at this location, our dedicated team is always ready to help with all your banking needs inside the branch. If you have any questions or would like more information about our services, don't hesitate to reach out! Give us a call at 716-662-6133. We look forward to seeing you soon!

Member Eligibility

Becoming a member of Local 41 I.b.e.w. is like joining a close-knit family where your financial well-being is our top priority. If you live, work, or worship in the Orchard Park area or have a connection to the IBEW Local 41, you're eligible to join us! We believe everyone deserves access to friendly service and great financial products that fit their needs. As a member of Local 41 I.b.e.w., you'll enjoy competitive rates on loans, personalized support, and access to a variety of banking services designed just for you. Getting started is simple! You can find more detailed eligibility information at . When you're ready to open your account, visit us online at https://www.realtimehomebanking.com/enroll.aspx?clientid=22447, or give us a call at (716) 662-6133 for any questions. We're excited to welcome you to our community at 3564 California Rd Orchard Park Ny 14127!

Business Banking & Commercial Services

Merchant Services That Make Sense

In addition to loans, we offer merchant services that simplify payment processing and enhance customer experiences. Picture this: your customers can pay seamlessly using various methods while you manage sales efficiently. This means more time to focus on what really matters growing your business. Visit us at 3564 California Rd Orchard Park Ny 14127 in Orchard Park, NY, or call us at (716) 662-6133 to learn how our business banking and commercial services can propel your business forward. Your success is our priority!

Tailored Loan Options

Imagine securing the funding you need to launch that innovative idea or upgrade your equipment. 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.

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about buying a new car? Our auto loans and vehicle financing options can make that dream a reality. We offer competitive rates and flexible terms that fit your budget. Imagine driving off in your new vehicle without the stress of complicated financing our team is here to guide you through every step of the process.

Business Banking

For those running their own businesses, our business banking services include merchant services and business loans designed to support your growth. We recognize the unique challenges small businesses face and strive to provide tailored solutions that help them thrive in today's competitive environment.

Credit Cards with Rewards

With our credit cards offering rewards, you can earn points on everyday purchases that can be redeemed for exciting rewards. It's an effortless way to get more from your spending while enjoying the benefits of responsible credit use.

Mortgage Loans & Refinancing

If you're considering homeownership or looking to refinance your current mortgage, our mortgage loans are designed with you in mind. We know how important it is to find the right home loan that suits your lifestyle. Whether you're a first-time buyer or looking to lower your monthly payments through refinancing, we're here to help simplify the process.

Online & Mobile Banking

In today's busy world, convenience matters. Our robust online and mobile banking platforms allow you to manage all aspects of your finances from the comfort of your home or on-the-go. You can pay bills, transfer funds between accounts, and even set up alerts all at your fingertips. Whether you're stopping by our branch located at 3564 California Rd Orchard Park NY 14127 or giving us a call at 716-662-6133, we invite you to experience how Local 41 I.b.e.w. is dedicated to supporting your financial journey. If you're ready to explore these services further or have questions about how we can assist you, please visit our website at Local 41 Ibew FCU or drop by during our lobby hours: Monday, Tuesday, Thursday & Friday from 9:30 am - 5:00 pm and Wednesday from 11 am - 6 pm. We look forward to serving you!

Personal Banking

We understand that managing your everyday expenses is essential. That's why we offer personal banking services, including checking and savings accounts designed to help you save while also enjoying easy access to your funds. With options like online and mobile banking, you can check your balance or transfer money anytime from anywhere. Our members appreciate the ability to track their spending and manage their accounts with just a few taps on their smartphones.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses our way. That's where our personal loans come into play. Whether it's for home repairs, medical bills, or debt consolidation, we offer affordable solutions tailored to your needs. Imagine combining multiple debts into one manageable payment our team will work with you to find the best option for your financial situation.

Digital & Online Banking

Key Features

One of the highlights of our online services is the availability of e-statements. This feature allows you to receive your account statements electronically, making it easier to track your finances while reducing paper clutter. Plus, for those who prefer real-time transactions, we offer person-to-person transfers, so sending money to friends or family is just a few clicks away. Managing your finances on-the-go is even simpler with our mobile application. Whether you're waiting in line or enjoying a coffee break, you can manage your accounts right from your smartphone. While we don't currently support mobile payments, rest assured that our online banking services are designed with user-friendly features for quick navigation. Security is also a top priority at Local 41 I.b.e.w.. We ensure all your transactions are safeguarded with robust security measures. However, please note that we do not offer electronic signature authorization at this time. In today's fast-paced world, having easy access to your finances is crucial. Our digital banking solutions are here to help you manage your money more effectively while providing peace of mind. Join us at Local 41 I.b.e.w. and experience the convenience of modern banking!

Financial Strength

Lending Support

We support our members' financial goals with $178 in used auto loans and $9,294,933 in total loans and leases. Whether you're looking to purchase a vehicle or finance other needs, we're here to help make those dreams a reality.

Member-Centric Savings

Members' savings are secured through $329,329 in share certificates, offering stable and rewarding financial growth opportunities. This focus on member benefits is further highlighted by our commitment to prioritizing our members over non-member deposits; currently, we have no non-member deposits at $0.

Operational Efficiency

Our operational efficiency is reflected in our $0, which enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 4 full-time employees and 0 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvestment for Growth

With $1,721,174 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. This ensures that we are always improving the services available to you.

Solid Financial Health

With a net worth of $1,902,997, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,090 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Trustworthy Partnerships

Our net shares available for lending stand at $0, reinforcing our ability to provide the necessary resources for your banking needs. Additionally, with 3,068 total share accounts, we showcase a strong and growing member base that trusts us with their finances. In conclusion, our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Local 41 I.b.e.w. is your trusted partner. Visit us at 3564 California Rd Orchard Park Ny 14127 or call (716) 662-6133 to learn more about how we can help you achieve your financial goals.

Loan Offering

Additional Offerings

In addition to our main loan products, we provide credit lines totaling $300,000, which can be an excellent option for those needing quick access to funds without the hassle of applying for a traditional loan. If you're considering refinancing any existing debts or want more information on eligibility options for our various loan products, don't hesitate to reach out. 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 Local 41 I.b.e.w., we're dedicated to providing personalized service and support as you navigate your financial journey. Come visit us today!

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $2,890,855 in used vehicle loans and $1,171,144 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, we can assist you every step of the way.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $1,020,540, designed to fit your budget and lifestyle. Our team is here to guide you through the process and help you secure the right financing for your dream home.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $286,097 in loans helping members manage their finances effectively. These cards come with competitive rates and rewards that make them suitable for everyday purchases or unexpected expenses.

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