Local 804 Credit Union Port Washington NY | Affordable Auto Loans & Personal Banking

Introduction

Welcome to Local 804, your trusted credit union located at 44 S Bayles Ave Ste 204, Port Washington, NY 11050. Established in 1978, we have proudly served our community for over four decades, providing a range of financial services designed to meet the needs of our 3,102 members. With total assets exceeding $20,200,001, we are committed to helping you achieve your financial goals. At Local 804, we believe in fostering strong relationships with our members and supporting our community. Our dedicated team of 5 employees, led by CEO Ysemny Abood and Board President Myles Dunn, is here to ensure you receive personalized service tailored to your unique needs. We offer an array of services including personal banking, auto loans, mortgage options, and business banking solutions. While you can visit us at our branch for all your banking needs, please note that any official correspondence should be directed to the same address: 44 S Bayles Ave Ste 204, Port Washington, NY 11050-3765. With total deposits amounting to $522,474 and a net worth of $6,104,275, Local 804 stands strong as a reliable partner in your financial journey. Whether you're looking for help with loans over 1,342 currently issued or simply want to manage your savings efficiently with our online banking services, we have the tools and expertise to assist you. Don't hesitate to reach out! You can contact us at 718-878-4622 during our lobby hours from Monday through Thursday from 8 AM to 4 PM, and on Fridays until 3 PM. Experience the Local 804 difference today; we're here for you! For more information about our services or to explore membership options, visit us at Local 804 Website.

Branch History & Mission

At Local 804, we are proud of our rich history and commitment to serving the Port Washington community since our doors first opened in 1978. Nestled at 44 S Bayles Ave Ste 204, Port Washington, NY 11050, our branch has grown from a small credit union into a trusted financial partner for over 3,100 members. With total assets reaching an impressive $20,200,001, we have continuously evolved to meet the changing needs of our community. Our mission is simple yet impactful: to provide exceptional financial services while fostering a sense of community and support among our members. We believe that every member deserves personalized attention and access to resources that empower them to achieve their financial goals. Whether it's through our checking and savings accounts, auto loans, or business banking services, we strive to make banking convenient and accessible for everyone. Over the years, Local 804 has embraced technology to enhance our services. Our online banking platform allows members to manage their accounts from anywhere, while mobile applications provide easy access on the go. We are also proud of our commitment to ADA compliance, ensuring that all members can access our facilities and services without barriers. Community outreach is at the heart of what we do. We actively engage in partnerships with local organizations and participate in events that uplift and support those around us. Our efforts include financial literacy programs aimed at educating individuals about managing their finances effectively. While members can visit us at 44 S Bayles Ave Ste 204, official correspondence should be sent to 44 S Bayles Ave Ste 204, Port Washington, NY 11050-3765 if different from the branch address. As we look ahead, we invite you to join us on this journey. Experience the benefits of becoming a member of Local 804 today! Let us help you navigate your financial future with confidence and care. For more information or to get started, give us a call at 718-878-4622. Together, we can achieve great things!

Branch Location & Accessibility

Accessibility Features

At Local 804, we prioritize accessibility for all our members. Our branch is designed to be welcoming and easy to navigate, featuring ADA-compliant entrances and ramps for those who need them. Ample parking is available nearby, ensuring a hassle-free visit whether you're stopping by for a quick transaction or a longer consultation.

Get in Touch

Have questions or need assistance? Don't hesitate to give us a call at 718-878-4622. We look forward to welcoming you soon and helping you achieve your financial goals! Whether you're looking for straightforward banking solutions or expert financial advice, Local 804 is here for you every step of the way.

Operating Hours

We understand that your time is valuable. That's why we're open Monday through Thursday from 8 AM to 4 PM and on Fridays from 8 AM to 3 PM. Feel free to drop by during these hours; our dedicated team is ready to assist you with everything from personal banking services to auto loans and credit cards with rewards.

Services Offered

In addition to personal banking options like checking and savings accounts, we also provide services such as auto loans, mortgage refinancing, and business banking solutions. Need cash? You'll find an ATM available right here at the branch for your convenience. While members can visit us at 44 S Bayles Ave Ste 204, official correspondence should be sent to 44 S Bayles Ave Ste 204, Port Washington, NY 11050-3765.

Member Eligibility

Becoming a member of Local 804 is like joining a family that truly cares about your financial well-being. Located at 44 S Bayles Ave Ste 204 Port Washington Ny 11050, we welcome anyone who lives, works, worships, or attends school in the area. This inclusive approach means that if you're part of our vibrant community, you can enjoy all the benefits we offer. Members at Local 804 gain access to personalized services, competitive rates on loans, and exclusive offers designed to help you thrive financially. If you want to know more about how to become a member or check the eligibility criteria in detail, feel free to visit our website at . It's simple and straightforward to get started with us! For any questions or assistance along the way, don't hesitate to reach out by calling us at (718) 878-4622. We're excited to welcome you into our community!

Business Banking & Commercial Services

At Local 804, we understand that every business has unique needs and dreams. Whether you're a startup looking to establish your presence or an established company aiming to expand, our business banking and commercial services are designed to fuel your growth. Imagine having access to the capital needed to purchase new equipment, hire more staff, or open a new location. Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $1 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $2 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $667,623, we continue to drive economic growth by financing new and expanding businesses. Additionally, our merchant services simplify payment processing so you can focus on what matters most running your business. Whether you're accepting payments online or in-store, we provide reliable solutions that enhance customer experience and streamline transactions. Visit us at 44 S Bayles Ave Ste 204 Port Washington Ny 11050 in Port Washington, NY, or call us at (718) 878-4622 to learn how we can support your business's journey today!

Comprehensive List Of Services

ATM Services

Need cash quickly? Our ATM & Cash Withdrawal Services ensure that you have easy access to your funds whenever you need them. With basic ATM access for withdrawals and balance checks available right at your fingertips, banking has never been easier. Ready to explore all these services and more? Give us a call at 718-878-4622 or visit us at our branch in Port Washington today! Let us be part of your financial journey and experience how Local 804 can help make managing money simpler for you.

Business Banking

For entrepreneurs and business owners, we offer comprehensive Business Banking solutions including merchant services and business loans. Whether you're just starting out or looking to expand, we're here to support your business journey every step of the way.

Credit Cards

Don't forget about our Credit Cards with Rewards! Enjoy cash back on purchases or travel rewards for those who love adventure. Our credit card options come with features that fit every lifestyle while helping you build credit responsibly.

Digital Banking Features

In today's busy world, convenience is key. That's why at Local 804, we provide robust Online & Mobile Banking services. Manage your accounts anytime, anywhere with ease through our user-friendly platform. You can make transactions, check balances, and even send money person-to-person without any hassle.

Home Financing Solutions

Looking to buy or refinance a home? Our Mortgage Loans & Refinancing services are designed to help you navigate the home buying process smoothly. We understand that purchasing a home is one of the biggest decisions you'll make, which is why we are committed to offering personalized guidance and competitive rates.

Personal Banking

Our Personal Banking services include checking and savings accounts that cater to various lifestyles. Need a reliable place for your paycheck? Our checking accounts offer easy access to your funds along with features that help you manage your budget effectively. For those saving for something special, our savings accounts provide competitive interest rates to help your money grow over time.

Personal Loans

If you're facing unexpected expenses or want to consolidate debt, our Personal Loans & Debt Consolidation options can provide the relief you need. With straightforward terms and fast processing times, you can focus on what matters most instead of worrying about finances.

Vehicle Financing

Thinking about buying a car? With our Auto Loans & Vehicle Financing, you can drive off in the vehicle of your dreams without breaking the bank. We offer flexible financing options that suit different budgets and situations, ensuring that you get the best deal possible.

Digital & Online Banking

Convenient Online Banking

With our 24/7 online banking services available at https://cu804.org/, you can check your account balances, transfer funds, and pay bills from the comfort of your couch or while waiting in line. No more rushing to the bank before closing time your financial information is just a click away.

Mobile Payments

While we currently don't offer mobile payments, rest assured that our other digital features are designed to make your banking experience smooth and efficient. At Local 804, we prioritize both convenience and security in all our digital services. Join us today and experience the ease of modern banking!

Secure E-Statements and Electronic Signatures

Keeping track of your statements is straightforward with our e-statements feature. You can receive them directly in your email, helping you stay organized and reducing paper clutter. Plus, with electronic signature authorization available, signing documents has never been easier or more secure.

User-Friendly Mobile Application

For those who prefer banking on their smartphones, our mobile application is here to help. Download it today to manage your accounts right from your pocket. You'll enjoy real-time access to your funds and the ability to make person-to-person transfers with ease. Whether you owe a friend for lunch or need to send money quickly, our app makes it simple.

Financial Strength

Member Savings and Growth

Members' savings are secured through $853,010 in share certificates, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $935, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our $184,373 reflects our operational efficiency, 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 0 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Our Financial Health

With a net worth of $6,104,275, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $3,022 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Reinvesting for Your Benefit

With $5,919,902 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 $130 in used auto loans and $13,946,936 in total loans and leases.

Strong Member Base

Total Share and Deposit Accounts: 4,888, show a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $626,450 highlight our ability to support your dreams while maintaining robust financial stability. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Local 804 is your trusted partner. Visit us at 44 S Bayles Ave Ste 204 Port Washington Ny 11050 or call (718) 878-4622 to learn more about how we can help you achieve your financial goals.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $2,283,119 in used vehicle loans and $2,306,024 in new vehicle loans already helping members get on the road. We aim to make financing easy and accessible, whether you're considering a brand-new model or a reliable used vehicle.

Commercial Loans

For business owners, our outstanding commercial loans totaling $667,623 provide the capital needed to grow and expand your business. We work closely with you to tailor financing solutions that align with your business objectives.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $0, make buying or refinancing simple. We provide guidance throughout the process to ensure you understand each step along the way.

Refinancing Options

If you're looking to lower your monthly payments or access equity in your home or vehicle, our refinancing options are worth exploring. We provide personalized assessments to help you understand eligibility and potential savings. Whether you have questions about eligibility or need assistance in choosing the right loan product, our dedicated team is here for you. Feel free to reach out by calling us at (718) 878-4622, or visit us at 44 S Bayles Ave Ste 204 Port Washington Ny 11050 in Port Washington, NY. Let us help you take the next step toward achieving your financial aspirations!

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $711,118 in loans helping members manage their finances effectively. These cards can be a great way to build credit while enjoying everyday rewards and benefits.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring 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 approach guarantees that users receive fair and transparent offers. By focusing on accurate data collection, LendMesh helps eliminate confusion and uncertainty in the loan comparison process.

Local 804