One Credit Union Lackawanna NY | Low Mortgage Rates & Auto Loans

Introduction

At One Credit Union Of Ny, located at 3040 S Park Ave, Lackawanna, NY 14218, we pride ourselves on being more than just a financial institution. Since our establishment in 1933, we've been dedicated to serving our community and ensuring that our members are at the heart of everything we do. With a robust membership of over 9,114 individuals, we've built lasting relationships based on trust and reliability. While you can visit us at our branch for all your banking needs, please send any official correspondence to our mailing address: 3517 Union Rd, Cheektowaga, NY 14225-5127. As a member-driven organization, we understand the importance of being there for you every step of the way. Our financial standing reflects our commitment to our members. With total assets exceeding $102 million, including $9,622,902 in deposits and a net worth of $11,359,489, we are well-equipped to support your financial goals. We offer a variety of services tailored to meet your needs from personal banking and auto loans to mortgage refinancing and business banking solutions. Led by our dedicated CEO, James Furman, and Board President, Kimberly Wallace, our experienced team is here to help you navigate your financial journey with confidence. Our friendly staff of 21 employees is committed to providing exceptional service during our lobby hours from 8:00 AM to 4:00 PM on weekdays. We invite you to explore what makes One Credit Union Of Ny special. Whether you're looking for competitive loans or innovative online banking solutions, we're here for you. For more information or assistance, don't hesitate to reach out at 716-842-1320 or visit us online at One Credit Union. Join us today and experience the difference of being part of a community-focused credit union!

Branch History & Mission

At One Credit Union Of Ny, we take pride in our rich history and commitment to serving the community of Lackawanna, NY. Established in 1933, our branch has grown from a small local financial institution into a trusted partner for over 9,100 members. Located at 3040 S Park Ave, we are easily accessible for those looking to build their financial future with us. Our mission is simple yet powerful: to provide quality financial services while supporting the growth and wellbeing of our community. We believe that everyone deserves access to affordable banking solutions that empower them to achieve their goals. This guiding principle drives us as we offer a range of services, including checking and savings accounts, auto loans, mortgages, personal loans, credit cards with rewards, and business banking solutions. Over the years, we've seen significant milestones that reflect our dedication to innovation and service. From opening our doors in 1933 to amassing total assets of $102,268,091 today, we have continually adapted to meet the needs of our members. Our commitment extends beyond just banking; we actively engage with our community through outreach programs and partnerships designed to uplift those around us. While members can visit us at our branch address of 3040 S Park Ave Lackawanna NY 14218 for in-person assistance and basic drive-thru banking services, official correspondence should be sent to our mailing address at 3517 Union Rd, Cheektowaga, NY 14225-5127. Our team operates Monday through Friday from 8:00 AM to 4:00 PM and is always ready to assist you with any inquiries or transactions you may need. In today's digital world, we're also proud to offer online and mobile banking options that allow you to manage your finances conveniently from anywhere. With services like person-to-person payments and mobile deposits available through our app, we strive to enhance your banking experience while ensuring ADA compliance for all members. Join us at One Credit Union Of Ny as we continue this journey together. Whether you're looking for competitive loan rates or personalized financial advice, we're here for you every step of the way. Experience the difference that comes from being part of a credit union dedicated not just to its members but also to the community it serves. Visit us or call us at 716-842-1320 today!

Branch Location & Accessibility

Accessibility Features

At One Credit Union Of Ny, we prioritize your comfort and convenience. Our branch features ADA-compliant entrances and ramps to ensure that everyone can visit us without any hassle. Parking is ample, allowing for an easy visit whether you're stopping by for a quick transaction or more in-depth banking needs.

Contact Us

Have questions or need assistance? Feel free to give us a call at 716-842-1320. While members can visit us at our branch address for all their banking needs, please note that official correspondence should be directed to our mailing address at 3517 Union Rd, Cheektowaga, NY 14225-5127. We invite you to stop by One Credit Union Of Ny today! Experience our commitment to helping you achieve your financial goals in a friendly and supportive environment.

Operating Hours & Services

We understand that your time is valuable. That's why we're open Monday through Friday from 8:00 AM to 4:00 PM. During these hours, our friendly staff is ready to assist you with personal banking services such as checking and savings accounts, auto loans, mortgage options, and much more. Plus, with our drive-thru service available, you can handle deposits and withdrawals without leaving your car.

Member Eligibility

At One Credit Union Of Ny, we believe in the power of community and are excited to welcome new members into our family! Becoming a member is simple and open to anyone who lives, works, worships, or attends school in the areas we serve. Our friendly team is here to help you navigate the membership process and enjoy all the benefits that come with it, like personalized financial services and competitive rates. For specific eligibility details, feel free to check out our resource at http://www.OneCreditUnion.org/membership/become-a-member/. Once you're ready to join us at our convenient location at 3040 S Park Ave Lackawanna Ny 14218, opening an account is just as straightforward! You can find all the information you need about setting up your new account by visiting https://www.financial-net.com/onecreditunion/lending/internetloans. 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 to our supportive community!

Business Banking & Commercial Services

Business Loans

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, we offer merchant services that simplify how you handle payments. Picture this: a customer walks into your store, makes a purchase with ease using their card, and you receive instant confirmation all while keeping track of sales effortlessly. Our tools make it easier for you to focus on what really matters: growing your business. Visit us at 3040 S Park Ave Lackawanna Ny 14218 in Lackawanna, NY, or give us a call at (716) 842-1320 to learn more about how we can support your business journey!

Comprehensive List Of Services

Cash Withdrawal and Drive-Thru Services

For quick transactions, enjoy our basic drive-thru banking services where you can make deposits, withdrawals, and handle simple transactions without leaving your car. While we currently do not have ATMs on-site, we're always here during regular lobby hours from Monday to Friday between 8:00 AM and 4:00 PM for all your banking needs. At One Credit Union Of Ny, we're committed to making banking accessible and enjoyable for everyone in our community. We invite you to visit us at 3040 S Park Ave or give us a call at 716-842-1320. Let us help you navigate your financial journey with ease! For more details about our services or membership eligibility, check out our website here.

Credit Cards and Business Banking

With our credit cards with rewards, you can earn benefits while making everyday purchases. These cards are perfect for members who want more from their spending. For entrepreneurs or small business owners, we offer robust business banking solutions, including merchant services and business loans that can help grow your enterprise.

Digital Banking Convenience

We recognize that convenience is key in today's fast-paced world. That's why online and mobile banking features are available at your fingertips. Whether you want to check balances, transfer funds, or pay bills from the comfort of your home or on the go, our digital tools make it easy.

Personal Banking Solutions

Whether you're opening your first checking account or looking for ways to save for the future, our personal banking options have got you covered. We offer various checking and savings accounts designed to fit different lifestyles. For those on the road to car ownership, our auto loans and vehicle financing options make purchasing a new or used vehicle easier than ever. If you're dreaming of home ownership or want to refinance your existing mortgage, explore our mortgage loans and refinancing services. We aim to make the home-buying process straightforward and stress-free. Plus, for unexpected expenses or consolidating debt, our personal loans and debt consolidation solutions provide flexible options tailored to your needs.

Digital & Online Banking

Accessibility and Ease of Use

For those who prefer managing their finances through an app, our mobile application is available for download. This means all the features of our online banking are right at your fingertips. With the ability to check balances, pay bills, and even access e-statements easily, you'll always have control over your financial life. We prioritize security in every transaction. Even though we do not support electronic signature authorization at this time, our systems are designed to protect your information while providing a smooth user experience. In summary, whether you're using our website or mobile app, One Credit Union Of Ny makes it easy for you to stay connected with your finances safely and efficiently. Experience the convenience of modern banking today!

Key Services

Our online banking services are designed with you in mind. You can visit us at https://www.onecreditunion.org/ to explore everything we offer. From viewing your account balances to transferring funds, our platform is user-friendly and secure. Plus, with 24/7 online banking services available, you can take care of your financial tasks whenever it suits you best. Need to make quick payments? Our mobile payments feature allows you to send money with just a few taps on your smartphone. We also offer person-to-person transfers, making it simple to split bills or send money to friends and family without any hassle.

Financial Strength

At One Credit Union Of Ny, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We understand that in today's world, having a reliable financial partner is essential to your peace of mind. That's why we work diligently to maintain a strong financial foundation. 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. Our net worth ratio of 1110 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $7,509,511 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. 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. Our lending capacity supports your financial goals across various sectors with $41,214,315 in total loans and leases. This includes 921 used auto loans, which empower our members to achieve their dreams of vehicle ownership. Our operational efficiency is reflected in our net income of $0, 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 employee, ensuring our branches are always ready to serve you with a knowledgeable and committed team. Total Share and Deposit Accounts stand at 14,649, showing a strong and growing member base that trusts us with their finances. 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 3040 S Park Ave Lackawanna Ny 14218 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.

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. We provide flexible terms and competitive rates to make your car-buying experience as smooth as possible.

Credit Card Loans

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. Our credit cards come with various features to suit different spending habits and preferences.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $13,002,951, make buying or refinancing simple. Our knowledgeable staff can guide you through the process and help you find the right loan for your needs.

Other Loan Options

In addition to auto and mortgage loans, we offer total credit lines amounting to $10,000,000, ensuring that you have access to funds when needed. Whether it's for personal use or unexpected expenses, our credit lines are designed for your convenience. If you're considering refinancing any existing loans, or if you're unsure about eligibility for any of our loan products, feel free to contact us at (716) 842-1320. Our team is here to assist you every step of the way. For more information on our loan offerings or to apply today, visit us online at https://www.onecreditunion.org/. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let us help you take the next step towards achieving your financial aspirations!

Loan Aggregator

Benefits of Using LendMesh

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How LendMesh Ensures 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 ensures fair and transparent offers for all users. By focusing on verified lenders, LendMesh provides accurate loan comparisons that reflect current market conditions.

One Credit Union Of Ny