Meridia Community Credit Union Hamburg NY | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Meridia Community, your trusted partner in financial services located at 4500 Southwestern Blvd, Hamburg, NY 14075. Since our establishment in 1955, we have dedicated ourselves to serving the community with integrity and commitment. As a proud member of the Hamburg area, we currently support a vibrant community of 9,890 members who rely on us for their banking needs. At Meridia Community, we understand that financial decisions can be daunting. That's why we strive to provide personalized solutions tailored to your unique circumstances. With total assets of $126,031,651 and total deposits reaching $11,887,444, our strong financial foundation ensures that your funds are safe and accessible whenever you need them. We offer a wide range of services including checking and savings accounts, auto loans, mortgage refinancing, personal loans, and business banking options. Our team is here to guide you through every step of the process. Under the leadership of our CEO Michael Hoffman and Board President Brent Jordan, our staff is committed to fostering lasting relationships with our members. 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: 4500 Southwestern Blvd, Hamburg, NY 14075. Whether you're looking to open a new account or explore loan options, we invite you to call us at 716-648-4411 or visit our website at meridiacu.com for more information. Join us today and experience the difference that a member-focused credit union can make in your financial journey!

Branch History & Mission

At Meridia Community, we take pride in our rich history and commitment to serving the residents of Hamburg, NY. Established in 1955, our credit union has grown alongside the community, adapting to the changing needs of our members while staying true to our mission of providing exceptional financial services and support. Located at 4500 Southwestern Blvd, Hamburg, NY 14075, we are easily accessible for our members. Our branch is known not just for its welcoming atmosphere but also for being a vital part of the local landscape. Over the years, we have built strong relationships with community organizations and initiatives, reflecting our dedication to making a positive impact beyond traditional banking. With a total membership of 9,890 and assets amounting to $126,031,651, Meridia Community has demonstrated resilience and growth in an ever-evolving financial environment. Our mission is simple yet powerful: to empower individuals and families by offering personalized financial solutions that help them achieve their dreams. Whether it's through checking accounts, auto loans, or mortgage refinancing, we strive to provide products that meet the diverse needs of our community. Our operating hours are designed with convenience in mind. The lobby is open Monday through Friday from 9 AM to 4 PM and on Saturdays from 9 AM to 12 PM for loans and new accounts. For those who prefer quick service, our drive-thru operates Monday through Friday from 7 AM to 7 PM and Saturday from 9 AM to 12 PM. We also offer ATM services for easy access to your funds. While you can visit us at our branch address for all your banking needs, please note that official correspondence should be sent to the same address: 4500 Southwestern Blvd, Hamburg, NY 14075. Meridia Community is committed to embracing digital advancements. We provide online banking options that include mobile payments and e-statements, ensuring that managing your finances is as seamless as possible. Our focus on accessibility also means we comply with ADA standards so that everyone can take advantage of our services. As we look ahead, we invite you to become a part of our story. Join Meridia Community today and experience firsthand how we can help you achieve your financial goals while supporting our vibrant community. For more information or assistance, feel free to reach out at (716) 648-4411. Together, let's build a brighter future!

Branch Location & Accessibility

Welcome to the Meridia Community branch, your local hub for all your banking needs! Conveniently located at 4500 Southwestern Blvd in Hamburg, NY, our branch is easily accessible to members and the community alike. Whether you're coming from nearby landmarks like the beautiful Hamburg Town Park or the bustling retail areas, you'll find us right where you need us. While members can visit us at 4500 Southwestern Blvd, official correspondence should be sent to the same address, ensuring everything stays organized and efficient. Parking is plentiful and designed for easy access, including ADA-compliant features that make it convenient for everyone. Our operating hours are structured to fit your busy lifestyle: the lobby is open Monday through Friday from 9 AM to 4 PM and Saturday from 9 AM to 12 PM for loans and new accounts. If you're in a rush, our drive-thru service operates Monday through Friday from 7 AM to 7 PM and on Saturday from 9 AM to 12 PM, so you can complete basic transactions quickly without leaving your vehicle. At Meridia Community, we pride ourselves on offering a range of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we have something for everyone. Plus, our ATM availability ensures that you can access your cash whenever you need it. Feel free to reach out with any questions at 716-648-4411. We invite you to visit us soon and discover how we can support your financial journey!

Member Eligibility

Becoming a member of Meridia Community is like stepping into a community that genuinely cares about your financial well-being. Located at 4500 Southwestern Blvd Hamburg Ny 14075, we welcome anyone who lives, works, worships, or attends school in our area. If you are part of these communities, you're already on your way to joining us! Our members enjoy a range of benefits including competitive rates on loans and savings, personalized service, and access to various banking tools designed to make managing your money easier. Getting started is simple! You can check out all the eligibility criteria in detail at https://meridiacu.com/membership-and-credit-union-faq/ . If you have any questions or need assistance, feel free to give us a call at (716) 648-4411. We're here to help you open an account and start enjoying the perks of membership at Meridia Community!

Business Banking & Commercial Services

Merchant Services That Empower

In today's fast-paced market, having reliable merchant services is crucial. Our solutions help you process payments smoothly, manage transactions efficiently, and enhance customer satisfaction. Imagine serving your clients without hassle whether they pay in person or online. That's the power of partnering with us for your merchant services. Located at 4500 Southwestern Blvd Hamburg Ny 14075 in Hamburg, NY, we're here to help you unlock your business's full potential. Reach out to us at (716) 648-4411 to learn more about how we can assist you!

Tailored Lending Solutions

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. For those outside our membership, 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

Additional Services

For those who prefer traditional banking methods, our basic drive-thru banking service is available for deposits, withdrawals, and other simple transactions. We pride ourselves on offering multiple ways for you to interact with us because your comfort is our priority. At Meridia Community, we strive to ensure that every member receives personalized service tailored to their unique financial needs. With our commitment to accessibility and community engagement, we invite you to explore how we can assist you in achieving your financial goals. For more information about our services or if you have any questions, feel free to contact us at 716-648-4411 or visit us online at meridiacu.com. We look forward to serving you!

Business Banking Services

If you're a business owner, our business banking services are here to support your entrepreneurial journey. We offer essential tools like merchant services and business loans, ensuring that your business has the resources it needs to thrive.

Digital Banking Convenience

In today's fast-paced world, convenience matters. Our robust online and mobile banking features allow you to manage your accounts from anywhere at any time. Whether it's checking your balance or making a transfer, our digital tools are designed for ease of use. Plus, with access to an ATM for cash withdrawals and balance checks, handling your finances has never been easier.

Loans for Every Need

At Meridia Community, we also recognize that life can bring unexpected challenges. That's why we offer personal loans and debt consolidation options to help you regain control over your financial situation. For those looking to reward themselves, our credit cards with rewards allow you to earn points on purchases while enjoying the benefits of easy payment options.

Personal Banking Solutions

We understand that managing your finances can be a daunting task, which is why we offer personal banking options designed with you in mind. From checking and savings accounts that help you manage your day-to-day expenses to auto loans and vehicle financing that make car ownership a reality, we've got you covered. If you're considering purchasing a home, our mortgage loans and refinancing solutions can provide you with the assistance you need to navigate this significant investment.

Digital & Online Banking

Key Services

Our online banking platform at https://meridiacu.com/ allows you to check balances, transfer funds, and pay bills with just a few clicks. You can also opt for electronic statements, making it easier than ever to keep track of your financial activity without the clutter of paper. Plus, if you need to sign documents quickly, our electronic signature authorization makes it simple and fast. For those who prefer using their smartphones, our mobile application is available for easy access to all your banking needs. You can enjoy mobile payments and person-to-person transfers directly from your device. Whether you're splitting a dinner bill with friends or paying for a service, we've got you covered.

Security and Accessibility

Security is a top priority at Meridia Community. Our online services are designed with robust security features so you can feel confident when managing your money digitally. Our user-friendly interface ensures that navigating through your account is a breeze, whether you're tech-savvy or just starting out with online banking. In addition to convenience and security, our services are tailored to enhance accessibility. With real-time account management at your fingertips, you can make informed decisions about your finances whenever necessary. Experience the ease of banking at Meridia Community today where digital innovation meets personal touch!

Financial Strength

Commitment to Reinvestment

With $17,770,614 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 robust with $9,832,841 in total loans and leases including $2,263 in used auto loans. This support allows us to help you achieve your financial goals across various sectors.

Growing Member Base

Our total share accounts stand at 17,756, showing a strong and growing member base that trusts us with their finances. We believe that every member's journey matters as we navigate the financial landscape together. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Meridia Community is your trusted partner. Visit us at 4500 Southwestern Blvd Hamburg NY 14075 or call 716-648-4411 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Although our current net income is $0, it reflects our commitment to maintaining operational efficiency while focusing on member services. We also take pride in having 20 full-time employees and 2 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team.

Secure Savings Options

Members' savings are secured through $7,372,504 in share certificates and $17,871,635 in money market shares, 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.

Solid Financial Health

With a net worth of $17,801,986, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 1412 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

Additional Financing Options

For those who may need additional funds for business ventures or personal projects, our total credit lines amount to $5,120,000. This product provides flexibility for various financial needs without the hassle of traditional lending processes. If you want more information about our loan products or want to explore eligibility options further, feel free to reach out at 716-648-4411 or visit us online at meridiacu.com. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results. We look forward to assisting you on your financial journey!

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $34,891,323 in used vehicle loans and $16,211,362 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new model or a reliable pre-owned vehicle, we have options that suit your budget and needs.

Credit Card Loans

Managing everyday expenses can be easier with our credit card offerings. We also provide flexible terms on unsecured credit card loans, with a total of $1,067,132 in loans helping members manage their finances effectively. This is a great way to handle unexpected costs while earning rewards along the way.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $16,910,956, make buying or refinancing simple. We offer flexible terms to help you secure the home you've always wanted. If you're considering refinancing your current mortgage for better rates or terms, we can assist with that as well.

Loan Aggregator

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Ensuring Accurate 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 means users can trust that the information they receive reflects fair and transparent offers. LendMesh prioritizes accuracy and integrity in its loan comparisons, ensuring that users are presented with reliable options.

MERIDIA COMMUNITY FEDERAL CREDIT UNION