O And R Utilities Employees Monroe NY Credit Union | Affordable Auto Loans & Business Banking

Introduction

Welcome to O And R Utilities Employees, your trusted financial partner located at 14 Talmadge Ct, Monroe, NY 10950. Established in 1980, we have proudly served our community for over four decades, building strong relationships with our 1,847 members. Our commitment to providing personalized service and reliable financial products has helped us grow our assets to an impressive $28,624,724. At O And R Utilities Employees, we believe in empowering our members through accessible banking solutions. With a total of 1,101 loans and leases issued and $1,887,080 in total deposits, our focus is on helping you achieve your financial goals. Whether you're looking for a new vehicle loan or a simple savings account, we offer a variety of services tailored to meet your needs. Our dedicated team, led by CEO Mitchell DeCoeur and Board President Armando Colarieti Jr., is here to ensure that your experience is as smooth as possible. With just four employees, we maintain a personal touch while offering essential services like online banking and ATM access. While members can visit us at our physical location for inquiries and transactions, official correspondence should be sent to P.O. Box 470, Monroe, NY 10949. We invite you to reach out at 845-774-0831 for any questions or assistance you may need. Join us today at O And R Utilities Employees where we put our members first! Visit our website at orutilfcu.org or stop by to see how we can help you thrive financially!

Branch History & Mission

Community Focus

We take pride in being involved in local initiatives that uplift our neighborhoods. By collaborating with various organizations and participating in community events, we aim to foster growth and support for everyone in Monroe. Whether it's through financial education workshops or sponsorships of local events, we're here for you. As we look towards the future, O And R Utilities Employees remains committed to providing excellent service while adapting to new challenges and opportunities. Join us today and experience firsthand how being a member of O And R Utilities Employees can positively impact your financial journey. Together, let's build a brighter future for our community! For more information or assistance, feel free to reach out at 845-774-0831 or visit us online at www.orutilfcu.org.

Our Journey

From the moment we opened our doors in 1980, O And R Utilities Employees has been dedicated to providing personalized financial services tailored to meet the unique needs of our members. Over the years, we have witnessed remarkable growth and changes within the financial landscape while remaining steadfast in our mission to prioritize our members' well-being. As we evolved, we embraced technology and modern banking methods, ensuring that we provide convenient services like online banking and mobile applications. Our headquarters is also located in Monroe, NY, allowing us to stay connected with our roots and continuously serve our community with dedication and care. We are proud to be more than just a credit union; we strive to be an integral part of our members' lives by offering services such as personal banking accounts, auto loans, mortgage financing, and even business loans.

Our Mission

At O And R Utilities Employees, our mission is clear: We aim to empower our members through exceptional financial services while actively supporting the local community. We believe that when you succeed financially, the entire community flourishes. This commitment drives us to create meaningful partnerships and engage in outreach efforts that benefit those around us. While members can visit us at 14 Talmadge Ct for all their banking needs, official correspondence should be sent to P.O. Box 470, Monroe, NY 10949. Our operating hours are from 8 AM to 4 PM Monday through Friday. We also offer ATM availability for added convenience.

Branch Location & Accessibility

Accessibility Features

We take accessibility seriously. Our branch is equipped with features that make it easy for everyone to visit us. With ADA-compliant entrances and ramps, we ensure that all members can navigate comfortably.

Conveniently Located

Our branch is nestled in a vibrant area of Monroe, making it easy for you to drop by. We're just a short drive from popular landmarks like the Monroe Plaza and nearby parks. You'll find ample parking right outside our doors, ensuring that your visit is as hassle-free as possible.

Get in Touch

We'd love to hear from you! If you have any questions or need assistance before your visit, don't hesitate to call us at 845-774-0831. Our team is eager to help you with all your banking needs. Come see us soon at O And R Utilities Employees your trusted partner in financial wellness!

Operating Hours

We're here for you during the week from 8 AM to 4 PM, Monday through Friday. Whether you need help opening a new account or have questions about your existing services, our team is ready to assist you during these hours.

Services at Your Fingertips

At O And R Utilities Employees, we offer a variety of services tailored to meet your needs. From checking and savings accounts to auto financing and mortgage options, we are committed to providing solutions that work for you. Plus, enjoy the convenience of an ATM available on-site for quick cash withdrawals or balance checks whenever you need them. While you can always visit us at our physical location for direct assistance, please note that official correspondence should be sent to our mailing address: P.O. Box 470, Monroe, NY 10949.

Member Eligibility

Welcome to the O And R Utilities Employees family! Becoming a member at our branch, located at 14 Talmadge Ct, Monroe, NY 10950, is like joining a close-knit community where your financial needs are our top priority. If you work for or are retired from O and R Utilities, or if you're an immediate family member of someone who is, you're already eligible to join us! We're here to support you with various financial services that truly cater to your needs. Opening an account is simple and straightforward. Just visit our website at O And R Utilities Employees for more details on eligibility and the account opening process. If you have any questions or need assistance, don't hesitate to call us at 845-774-0831. We can't wait to welcome you as a member and help you achieve your financial goals!

Business Banking & Commercial Services

Loan Options Tailored 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 Make Sense

Imagine being able to accept payments seamlessly while managing your cash flow effectively. Our merchant services provide reliable payment processing solutions that help keep your business running smoothly. From credit card processing to point-of-sale systems, we offer tools that enhance customer experience and simplify transactions. Located at 14 Talmadge Ct Monroe Ny 10950 in Monroe, NY, our team is ready to assist you in finding the right solutions tailored for your business. Contact us at (845) 774-0831 to learn more about how we can help you thrive!

Comprehensive List Of Services

Additional Features

We also prioritize member security and ease of use by offering features like basic ATM access for all your withdrawal needs. Whether it's a routine deposit or an urgent cash withdrawal, you can trust us to be there for you. If you're ready to explore how these services can enhance your financial journey, don't hesitate to reach out! Give us a call at (845) 774-0831, or visit us at 14 Talmadge Ct Monroe Ny 10950 in Monroe, NY. You can also learn more about us online at Monroe. We look forward to helping you achieve all your financial goals!

Business Banking Services

For business owners, we offer tailored solutions through our business banking services. From merchant services that simplify payment processing to business loans that help fuel growth, we're dedicated to supporting local businesses in achieving their goals.

Digital Banking Convenience

In today's fast-paced world, we know how important it is to access your finances on the go. That's why O And R Utilities Employees provides excellent online and mobile banking capabilities. You can check balances, transfer funds, and pay bills from anywhere with just a few clicks or taps on your device. Our ATM services allow for easy cash withdrawals and balance checks whenever you need them.

Personal Banking Solutions

Our personal banking services are crafted to make managing your finances straightforward and rewarding. With our checking and savings accounts, you can easily track your spending while earning interest on your savings. We also offer auto loans and vehicle financing options that help you drive away in the car of your dreams without breaking the bank. If you're considering home ownership, our mortgage loans and refinancing services are designed to fit various budgets, providing flexibility that suits your lifestyle. For those unexpected expenses or projects, our personal loans and debt consolidation options can provide relief when you need it most. Plus, with our credit cards that offer rewards, every purchase you make can bring you closer to exciting benefits.

Digital & Online Banking

Key Services

With our user-friendly mobile application, available for download, you can access your accounts right from your smartphone. Need to send money to a friend? Our person-to-person transfer feature makes it easy to send funds directly without hassle. Plus, you can sign documents electronically with ease thanks to our electronic signature authorization, making paperwork simple and quick. We also provide e-statements, allowing you to view your account information securely online rather than waiting for paper statements in the mail. This not only helps you stay organized but is also better for the environment! While we don't currently offer mobile payments, our focus remains on ensuring that you have a smooth and secure banking experience. Whether you're checking your balance during lunch or managing your finances late at night, O And R Utilities Employees is here to support you every step of the way. Embrace the convenience of modern banking with us today!

Financial Strength

A Growing Member Base

We proudly support a strong community of trust with 3,456 total share accounts. This demonstrates the confidence our members have placed in us as their chosen financial institution. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, O And R Utilities Employees is your trusted partner. Visit us at 14 Talmadge Ct Monroe Ny 10950 or call (845) 774-0831 to learn more about how we can help you achieve your financial goals.

Efficient Operations

Our operational efficiency is reflected in our $4,468, enabling 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.

Investing Back into Our Community

With $2,900,341 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 $101 in used auto loans and $24,807,258 in total loans and leases supporting your financial goals across various sectors.

Member Savings and Security

Members' savings are secured through $8,805,245 in share certificates and $3,252,853 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $3,481,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Our Financial Health

With a net worth of $3,447,656, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 12.04% 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, with over $1,876,769 in used vehicle loans and $7,561,582 in new vehicle loans already helping members get on the road. We have options for both new and used vehicles to fit your budget and preferences. Plus, refinancing options are available if you want to lower your monthly payments or interest rate.

Conclusion

No matter what your financial goals are, O And R Utilities Employees is dedicated to helping you achieve them with our various loan offerings. For more information about how we can assist you, feel free to contact us at (845) 774-0831 or visit us at 14 Talmadge Ct Monroe Ny 10950 in Monroe, NY. 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're ready to help you take the next step toward financial success!

Credit Lines and Unsecured Credit Cards

We also offer flexible terms on unsecured credit card loans, with a total of $0 in loans helping members manage their finances effectively. This can be an excellent option for those looking for quick access to cash without the need for collateral. Additionally, our credit lines provide a safety net for unexpected expenses or planned purchases.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $8,276,510, make buying or refinancing simple. Whether you're a first-time homebuyer or looking to refinance your existing mortgage, we are here to guide you through the process.

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O AND R UTILITIES EMPLOYEES FEDERAL CREDIT UNION - Monroe, NY

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