One Credit Union Cheektowaga NY | Affordable Vehicle Loans & Personal Banking

Introduction

Welcome to One Credit Union Of Ny, your trusted financial partner located at 3517 Union Rd, Cheektowaga, NY 14225. Since our establishment in 1933, we have proudly served over 9,114 members, providing a wide range of financial services designed to meet the needs of our community. With total assets exceeding $102 million and deposits amounting to $9,622,902, we are committed to helping you achieve your financial goals. At One Credit Union, we understand that personal finance can be overwhelming. That's why our team, led by CEO James Furman and Board President Kimberly Wallace, is dedicated to offering personalized service and guidance. We employ a skilled staff of 21 professionals who are here to assist you every step of the way. While you can visit us at our branch for all your banking needs, official correspondence should be sent to the same address: 3517 Union Rd, Cheektowaga, NY 14225-5127. We invite you to explore our diverse offerings including personal banking accounts, auto loans, mortgages, and credit cards with rewards that can help you maximize your finances. Our commitment goes beyond just numbers; it's about making a difference in the lives of our members and the community we serve. As part of our mission, we ensure that every interaction you have with us is meaningful and valuable. Whether you're looking for assistance with loans where we manage over 4,017 leases or simply want to discuss your savings options with assets totaling more than $11 million, we're here for you. Don't hesitate to reach out! You can contact us directly at 716-842-1320 or visit our website at One Credit Union for more information on how we can help you today. Together, let's build a stronger financial future!

Branch History & Mission

Commitment to Innovation

As technology evolves, so do we. One Credit Union Of Ny embraces digital advancements that allow our members to manage their finances conveniently from anywhere. With features like online banking and mobile payments available, managing your account is easier than ever. Our branch is also ADA compliant, ensuring that all members can access our facilities without barriers. We understand that personal touch matters too; that's why we offer drive-thru banking for simple transactions and have ATM access readily available for quick cash withdrawals. Plus, if you need assistance or have questions about your account, our friendly staff is just a phone call away at 716-842-1320.

Join Us

At One Credit Union Of Ny, we're not just about numbers; we're about people. We invite you to be part of something special a community-focused credit union that prioritizes your financial well-being and supports local initiatives. While members can visit us at 3517 Union Rd for all their banking needs, official correspondence should be sent to 3517 Union Rd, Cheektowaga, NY 14225-5127. Join us today and experience the benefits of being a member of One Credit Union Of Ny! Together, let's build a brighter financial future for ourselves and our community. For more information on membership eligibility or to open an account online, visit our website.

Our Mission

Our mission at One Credit Union Of Ny is clear: we strive to provide accessible financial services while making a positive impact on the community we serve. We believe that everyone deserves financial support tailored to their needs. Whether you are looking for personal banking options like checking and savings accounts or need assistance with auto loans and mortgages, we are here for you every step of the way. In addition to offering competitive rates and comprehensive services, we focus heavily on community outreach. We partner with local organizations to help improve the lives of those around us. This dedication to service goes hand in hand with our belief in financial education; we aim to empower our members through knowledge about managing their finances effectively.

Branch Location & Accessibility

Accessibility Features

At One Credit Union Of Ny, we prioritize accessibility for all members. Our branch is ADA compliant, featuring ramps and designated parking spaces to ensure that everyone can visit us with ease. Whether you're coming in for a quick transaction or need assistance with your accounts, we have made sure our facilities are welcoming and convenient.

Additional Amenities

For those who prefer digital banking options, we offer online and mobile banking services to help you manage your finances on the go. Need cash? We have an ATM available right outside our branch for quick withdrawals and balance checks. While members can visit us at 3517 Union Rd, official correspondence should be sent to the same address as our mailing address: 3517 Union Rd, Cheektowaga, NY 14225-5127. If you have any questions or need assistance, don't hesitate to give us a call at 716-842-1320. We look forward to welcoming you at One Credit Union Of Ny!

Operating Hours

We understand that life can be busy, so our operating hours are designed to fit your schedule. You can visit us Monday through Thursday from 8:30 AM to 4:00 PM and on Fridays until 6:00 PM. This flexibility allows you to choose a time that works best for you.

Services Offered

When you come by our branch, you'll find a full range of services at your fingertips. From personal banking options like checking and savings accounts to auto loans, mortgages, and credit cards with rewards, we've got you covered. Plus, enjoy the convenience of drive-thru banking for simple transactions like deposits and withdrawals without leaving your vehicle.

Member Eligibility

At One Credit Union Of Ny, we believe that everyone deserves a chance to be part of a caring and supportive community. Joining us is simple and welcoming! To become a member, you need to meet a few friendly eligibility criteria which include living, working, or worshiping in certain areas, as well as being related to an existing member. This means that if you're part of our community in any way, we'd love to have you! You can find all the detailed eligibility information on our website at http://www.OneCreditUnion.org/membership/become-a-member/. Once you know you're eligible, opening an account is a breeze! Just visit us at our branch located at 3517 Union Rd Cheektowaga Ny 14225, or check out the online details for account opening at https://www.financial-net.com/onecreditunion/lending/internetloans. If you have any questions or need assistance, feel free to call us at (716) 842-1320. We are here to help you every step of the way as you embark on your journey with One Credit Union Of Ny!

Business Banking & Commercial Services

Business Loans That Fuel 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 Transactions Easy

In today's fast-paced market, efficient payment processing can set your business apart. Our merchant services simplify transactions, allowing you to focus on what really matters growing your enterprise. Whether it's credit card processing or online payment solutions, we provide tools that fit seamlessly into your operations. Located at 3517 Union Rd Cheektowaga Ny 14225 in Cheektowaga, NY, we're just a call away at (716) 842-1320. Let us partner with you on your path to success!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about purchasing a new car? Our auto loans and vehicle financing options are tailored to fit your budget. With competitive rates, we help make your dream vehicle a reality without breaking the bank. Picture driving off in your new car while knowing you secured a great deal through One Credit Union Of Ny.

Business Banking

For local entrepreneurs and businesses, we offer comprehensive business banking solutions including merchant services and business loans. These services are designed to support your growth and operational needs so that you can focus on what matters most running your business.

Convenient Access

We understand that convenience is key in today's fast-paced world. That's why we provide ATM access and basic drive-thru banking for quick deposits, withdrawals, and simple transactions without hassle. Whether it's late at night or during lunch breaks, accessing cash has never been easier. With all these services available at One Credit Union Of Ny, we strive to be more than just a financial institution we aim to be your trusted partner in achieving financial success. For more information or if you're ready to explore membership options, don't hesitate to reach out! Call us today at 716-842-1320 or visit us online at www.OneCreditUnion.org. Your financial future starts here!

Credit Cards with Rewards

Our credit cards come with rewards that benefit you for everyday purchases. Whether you're shopping for groceries or planning a vacation, earn points that can lead to exciting rewards or cashback offers! It's a simple way to make your spending work harder for you.

Mortgage Loans & Refinancing

Homeownership is more than just having a roof over your head; it's about building a future. We offer mortgage loans and refinancing solutions that can assist you in buying your first home or reducing your monthly payments on an existing mortgage. Our experienced team will guide you every step of the way, ensuring you find a plan that suits your financial situation.

Personal Banking

Whether you're looking to open a checking or savings account, we've got you covered. Our personal banking services provide flexible options that cater to various lifestyles. Imagine being able to easily access your funds through our online and mobile banking platforms perfect for when you're on the go. You can check your balance, transfer money, and pay bills right from your smartphone.

Personal Loans & Debt Consolidation

If you're facing unexpected expenses or looking to consolidate debt, our personal loans are here to help. This service provides the financial support you need during challenging times. Imagine having one manageable monthly payment instead of juggling multiple debts this is what we aim for at One Credit Union Of Ny.

Digital & Online Banking

Key Features

For those on the go, our mobile application makes banking even more accessible. Whether you're making person-to-person transfers or paying with your mobile device, we've got you covered. Plus, if you prefer to keep track of your statements digitally, our e-statements are available for easy access. Say goodbye to paper clutter and hello to a more organized way of managing your finances. While electronic signatures are not currently available at One Credit Union Of Ny, we strive to make the process as smooth as possible. Our 24/7 online banking services mean you can handle transactions at any hour that suits you best. In this fast-paced world, convenience is key. With features like mobile payments and real-time account management, you'll find everything you need right at your fingertips. Experience the ease of modern banking with One Credit Union Of Ny today!

Financial Strength

Conclusion

Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, One Credit Union Of Ny is your trusted partner. Visit us at 3517 Union Rd Cheektowaga Ny 14225 or call (716) 842-1320 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.

Investment in Our Future

With $9,685,987 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. This strategy allows us to adapt to your needs while maintaining our commitment to stability. Our lending capacity is reflected in the $921 in used auto loans and $41,214,315 in total loans and leases. We understand how important financing is for achieving your goals whether it's purchasing a vehicle or making other significant investments.

Member-Centric Savings

Members' savings are secured through $7,509,511 in share certificates, offering stable and rewarding financial growth opportunities. Though we don't have money market shares available right now, the strength of our share certificates reflects our dedication to helping you grow your wealth securely. 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 $0 showcases our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 20 full-time employees and 1 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. With $0 available for lending and investments, we remain agile in meeting your financial needs. Additionally, the total number of share accounts stands at 14,649, demonstrating a strong and growing member base that trusts us with their finances.

Strong Financial Health

With a net worth of $11,359,489, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. This robust net worth supports our commitment to providing you with competitive loan options and attractive savings opportunities. Our net worth ratio of $1,110 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 $14,218,419 in used vehicle loans and $4,046,793 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, our flexible terms can accommodate your needs.

Credit Lines

For those who prefer flexibility in their borrowing options, our total credit lines available amount to $10,000,000. This allows you to access funds whenever necessary without taking out multiple loans. At One Credit Union Of Ny, we pride ourselves on offering competitive rates and personalized service tailored to your specific needs. If you're interested in any of our loan products or would like more information about refinancing options, feel free to reach out at 716-842-1320. 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 here to help you secure your financial future!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $13,002,951. Our team is here to guide you through the process and answer any questions you may have about eligibility and refinancing options.

Unsecured Credit Card Loans

Managing day-to-day expenses can sometimes be challenging. We also offer flexible terms on unsecured credit card loans, with a total of $1,823,908 in loans helping members manage their finances effectively. These cards come with no collateral requirements and provide the freedom to make purchases as needed.

Loan Aggregator

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One Credit Union Of Ny