Lockport Schools & Community Credit Union NY | Affordable Auto Loans & Personal Banking

Introduction

Welcome to Lockport Schools & Community, where your financial well-being is our top priority! Located at 360 S Transit St, Lockport, NY 14094, we have proudly served our community since 1966. With a commitment to fostering financial growth and stability, we're not just another credit union; we're a trusted partner in your journey towards achieving your financial goals. At Lockport Schools & Community, we understand that every member counts. With over 1,662 members and total assets amounting to an impressive $25,124,128, we are dedicated to providing personalized services tailored to meet the unique needs of our community. Our offerings include everything from checking and savings accounts to auto loans and mortgages. We aim to empower you with the tools you need for financial success. Our leadership team is here for you led by CEO Tammy Dodge and Board President Valerie Hamluk. Together, they ensure that our credit union remains a safe and welcoming space for all. We are also proud of our small but mighty team of 5 employees, who work diligently to provide exceptional service every day. While members can visit us at our branch location, official correspondence should be sent to 360 S Transit St, Lockport, NY 14094-4848. If you have any questions or need assistance, please don't hesitate to reach out by calling us at 716-433-7740. Join us at Lockport Schools & Community today! Explore how we can help you secure a brighter financial future together. Visit our website at lscfcu.org or stop by during our operating hours: Monday through Friday from 9:30 AM to 4:30 PM, with adjusted hours during school vacations. We look forward to welcoming you!

Branch History & Mission

Community Commitment

We understand the importance of being there for our members in every possible way. That's why we offer drive-thru banking services for quick transactions and have made significant strides toward ADA compliance so that everyone can access our facilities comfortably. Whether it's helping you secure an auto loan or guiding you through personal financing options, we're here every step of the way. As we look forward to the future, we invite you to join us in this journey. Experience the benefits of membership at Lockport Schools & Community where you're not just a number but part of a family committed to your financial success. For more information about joining us or accessing our services, please call us at 716-433-7740 or visit our website at Lockport Schools & Community. Let's build a brighter future together!

Our Evolution

Since our inception, Lockport Schools & Community has evolved significantly. We started as a modest branch focused on providing essential services like savings accounts and loans. Over the years, we expanded our offerings to include a full range of personal banking products such as auto loans, mortgages, credit cards with rewards, and business banking solutions. Our commitment to enhancing the financial well-being of our members has remained unwavering throughout this evolution. Our branch is more than just a place to bank; it's a hub for community engagement and support. We actively participate in local events and outreach initiatives designed to uplift our community. From educational workshops to financial literacy programs, we strive to make a meaningful impact beyond just transactions.

Our Mission

At Lockport Schools & Community, our mission is clear: to provide exceptional financial services while fostering a strong sense of community. We believe that everyone deserves access to reliable banking options that help them achieve their goals. Our team is dedicated to delivering personalized service in an inviting environment where members feel valued and supported. While you can visit us at our main location on S Transit St., please note that official correspondence should be sent to the same address for your convenience. Our lobby hours are Monday through Friday from 9:30 am to 4:30 pm, adjusted during school vacations. For those who prefer digital banking, we offer online services including mobile payments and e-statements.

Branch Location & Accessibility

Getting Here

At our location, you'll find ample parking available, making it simple to stop by for your banking needs. Our branch is designed with accessibility in mind, featuring ADA-compliant ramps and facilities to ensure everyone can comfortably visit us.

Operating Hours

We are open Monday through Friday from 9:30 am to 4:30 pm, so you can easily fit us into your schedule. During school vacations, our hours may adjust slightly, but we always strive to keep you informed. If you need assistance outside these hours, feel free to give us a call at 716-433-7740.

Services Available

At Lockport Schools & Community, we offer a range of personal banking services tailored to meet your needs. Whether you're interested in checking and savings accounts, auto loans, or mortgage refinancing, we've got you covered. Plus, with our drive-thru service and ATM availability, managing your finances has never been easier. While members can visit us at our branch address for all their banking needs, official correspondence should be sent to the same address: 360 S Transit St, Lockport, NY 14094-4848. We invite you to stop by and experience the personalized service that sets us apart. Your financial wellness is important to us, and we're here to help you every step of the way!

Member Eligibility

At Lockport Schools & Community, we believe that becoming a member is like joining a warm, welcoming family that supports your financial journey. If you're looking to join us at our branch located at 360 S Transit St Lockport Ny 14094, you'll find that eligibility is simple and open to many! Our members typically include those who live, work, worship, or attend school in the Lockport area. This means that if you have ties to our community, we'd love to have you on board. Not only do you gain access to a variety of financial services tailored for your needs, but you also become part of a cooperative that prioritizes your interests. Getting started is a breeze! You can find detailed eligibility criteria by visiting . Once you're ready, opening an account is just a click away through our easy online process at https://www.realtimehomebanking.com/enroll.aspx?clientid=17372 . Should you have any questions or need assistance, feel free to reach out to us at (716) 433-7740. We can't wait to welcome you as a member of Lockport Schools & Community!

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 $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

In addition to loans, our merchant services simplify payment processing for your business. Imagine a local café that can accept payments quickly and securely allowing customers to enjoy their coffee without delay. Our tools help streamline transactions so you can focus on what truly matters: serving your customers and growing your brand. Located at 360 S Transit St Lockport Ny 14094 in Lockport, NY, we invite you to explore how Lockport Schools & Community can empower your business with the right financial tools. Contact us at (716) 433-7740 to learn more!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about buying a new car? Our auto loans provide competitive rates and flexible terms that help make vehicle financing straightforward. Picture driving off in your dream car without the hassle our team is ready to assist you in securing the right loan for your needs.

Business Banking Solutions

If you're a business owner, we have services tailored just for you! From merchant services to business loans, we aim to support local businesses in achieving their goals. Imagine having access to tools that help streamline operations while also providing financial backing when needed.

Convenient Access & Support

We know convenience matters. That's why we provide ATM and cash withdrawal services along with basic drive-thru banking for deposits and withdrawals. No matter how busy life gets, accessing your funds shouldn't be complicated. In addition to these core offerings, our digital banking features like electronic signatures and person-to-person payment options make transactions easy and secure. If you're looking for reliable financial services backed by friendly faces ready to assist you, look no further than Lockport Schools & Community at 360 S Transit St Lockport Ny 14094. We invite you to call us at (716) 433-7740 or visit us during our hours of operation Monday through Friday from 9:30 AM to 4:30 PM to learn more about how we can help meet your financial goals. Join us today and experience the difference!

Home Financing Options

For those considering homeownership or refinancing their current mortgage, Lockport Schools & Community offers a variety of mortgage loans designed to suit different situations. We know this is a significant step, so we're here to guide you through the process, ensuring you feel confident every step of the way.

Personal Banking Made Simple

When it comes to personal banking, we offer checking and savings accounts tailored for everyone. Whether you're saving for a new home or just starting your journey, our accounts come with features that fit your lifestyle. Imagine having the flexibility to manage your finances easily through our online and mobile banking platforms. You can check balances, transfer funds, and pay bills all from your smartphone.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way. That's where our personal loans come in handy, offering quick access to cash when you need it most. Additionally, if you're looking to simplify your finances, we can assist with debt consolidation options that help you manage multiple payments more efficiently.

Digital & Online Banking

Enhanced Security

At Lockport Schools & Community, security is a top priority. Our digital services come with robust security measures to protect your information. From secure logins to encryption technologies, we take every step necessary to ensure that your data remains safe.

Key Features

Our online banking platform provides user-friendly tools that help you stay on top of your finances. You can view balances, transfer money between accounts, and pay bills all from the comfort of your home or while on the go. Plus, with our mobile application, banking is literally at your fingertips. Whether you're checking account activity or making payments through our mobile payments feature, convenience is just a tap away. For those who prefer to go paperless, we offer e-statements that allow you to receive your account statements electronically. This not only helps the environment but also keeps your sensitive information safe and easily accessible. Additionally, if you need to sign documents quickly, our electronic signature authorization feature makes it simple and efficient.

Real-Time Management

Managing money should never feel overwhelming. With features like person-to-person transfers, sending money to friends or family is straightforward and quick. You can send funds without needing cash or checks just a few clicks in our app or online portal will do the trick. Overall, our digital and online banking options are designed for ease of use and accessibility. So whether you're at home or on the move, rest assured that managing your finances with Lockport Schools & Community is both convenient and secure!

Financial Strength

Growing Member Base

We are proud to serve a growing community with 3,085 total share accounts, showcasing the trust members place in us for their financial needs. This strong member base reinforces our commitment to providing the best possible service. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Lockport Schools & Community is your trusted partner. Visit us at 360 S Transit St Lockport NY 14094 or call 716-433-7740 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.

Member-Centric Savings

Your savings are secured through $4,072,912 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 operational efficiency is reflected in our $0 net income, demonstrating our careful management of resources while focusing on serving you effectively. We also take pride in having 4 full-time employees and 1 part-time employee, ensuring our branches are always ready to assist you with a knowledgeable team committed to your success.

Reinvestment for Growth

With $1,796,789 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. This commitment to improvement means you can expect top-notch services whenever you visit us.

Strong Financial Health

With a net worth of $1,970,320, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 783 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Supporting Your Financial Goals

Our lending capacity supports your financial goals across various sectors with $3,513 in used auto loans and a total of $16,009,467 in loans and leases. This diverse offering ensures that whether you're buying a new car or pursuing other financing needs, we've got you covered.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. With over $5,215,184 in used vehicle loans and $2,314,137 in new vehicle loans already helping members get on the road, we make financing your next vehicle straightforward and affordable. Our flexible terms can accommodate your budget and lifestyle.

Credit Lines

For those who prefer a line of credit for unexpected expenses or flexibility in spending, we offer credit lines with a total limit of $2,000,000. This option provides access to funds when you need them most while only requiring repayment on the amount utilized. If you're considering refinancing any existing loans or exploring eligibility options for our products, our team is here to assist you through every step of the process. 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. For more information about our loan products or to discuss how we can help you reach your financial goals, feel free to contact us at 716-433-7740 or visit us at 360 S Transit St, Lockport NY 14094. We look forward to serving you!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $1,930,518, make buying or refinancing simple. We provide competitive rates and personalized service to ensure you find the right mortgage solution for your situation.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, helping members manage their finances effectively. Currently, we have a total of $0 in unsecured credit card loans available. This means that if you're looking for an easy way to consolidate debt or make larger purchases without collateral requirements, our team can help you explore your options.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. This tool is designed to help consumers make informed decisions without the hassle of sifting through countless offers. LendMesh ensures accurate loan comparisons by sourcing data 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 compliance guarantees that users receive fair and transparent offers. One of the key benefits of using LendMesh is its focus on verified data. All loan offers come from legitimate financial institutions, which promotes transparency in the comparison process. Moreover, LendMesh does not feature sponsored listings; lenders are not prioritized based on paid promotions. Instead, it aims to provide unbiased results that empower users to choose what best fits their needs. Another significant advantage is the real-time rate comparisons provided by LendMesh. Users have access to up-to-date loan rates from multiple institutions, enabling them to quickly identify competitive offers. This timely information helps people make well-informed financial choices. Thousands of users trust LendMesh for their loan comparisons. One member shared their experience: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials highlight the effectiveness and reliability of the platform. 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.

LOCKPORT SCHOOLS & COMMUNITY FEDERAL CREDIT UNION