Oneida County Credit Union Utica NY | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Oneida County Federal Credit Union, where our commitment to serving you is at the heart of everything we do. Located at 800 Park Ave, Utica, NY 13501, we have been proudly serving our community since 1959. With a membership base of 1,561, we strive to provide personalized financial solutions that meet the unique needs of our members. At Oneida County Federal Credit Union, our financial strength speaks for itself. We currently hold total assets of $14,766,535 and a robust net worth of $1,649,755. Whether you're looking for a new auto loan or a personal banking solution, our team is here to help you navigate your financial journey with ease. We have facilitated over 898 loans and secured deposits totaling $2,024,211, ensuring that we are well-equipped to support your aspirations. Our dedicated team of 4 employees, led by CEO Rebecca Coyne and Board President Samuel Trapanick, is always ready to assist you with friendly service and expert advice. While you can visit us at our branch for all your banking needs during our operating hours from 9:00 AM to 4:00 PM, Monday through Friday, we also encourage you to explore our services online at oneidacfcu.org. If you're interested in joining a credit union that values community and member satisfaction, look no further! Call us today at 315-798-5741 or visit us in person. We can't wait to serve you!

Branch History & Mission

Welcome to Oneida County Federal Credit Union, a beacon of community support and financial empowerment since 1959. Located at 800 Park Ave, Utica, NY 13501, our branch has been dedicated to serving the needs of our members for over six decades. As we reflect on our journey, we celebrate our rich legacy that began with a small group of individuals who shared a vision of accessible financial services for everyone in the community. From humble beginnings, Oneida County has grown significantly, now boasting a total membership of 1,561 and total assets amounting to $14,766,535. We take pride in being more than just a financial institution; we are a trusted partner in our members' lives. Our mission is clear: to provide quality financial products and services that enhance the economic well-being of our members while fostering community growth. At Oneida County, we understand that every member has unique needs. Whether you're looking for checking and savings accounts, auto loans, or mortgage refinancing, our team is here to guide you every step of the way. We are committed to customer satisfaction and continually look for ways to improve our offerings through innovative solutions like online banking. While members can visit us at 800 Park Ave for in-person assistance during our operating hours from 9:00 AM to 4:00 PM Monday through Friday, official correspondence should be sent to the same address as our mailing address remains unchanged. In addition to providing essential financial services, we actively engage with the Utica community through outreach programs and partnerships aimed at supporting local initiatives. We believe that by investing in our community's growth, we foster an environment where all can thrive. As we move forward into the future, we remain focused on enhancing accessibility. Although we currently do not offer ATM or drive-thru banking services at this location, we are always exploring new ways to serve you better. Join us today and experience firsthand the benefits of being part of Oneida County Federal Credit Union. Together, let's build a brighter future for ourselves and our community. For any questions or additional information, feel free to reach out at 315-798-5741 or visit us online at oneidacfcu.org.

Branch Location & Accessibility

Contact Us

If you have any questions or need assistance, feel free to reach out at 315-798-5741. Our friendly team is ready to assist you! We encourage you to visit us soon at Oneida County Federal Credit Union; we're excited to serve you!

Nearby Landmarks and Accessibility

Situated near popular local spots, our location is just a short drive from the Utica Memorial Auditorium and the bustling downtown area. You'll find ample parking available, making it simple to visit us. We take pride in ensuring our facilities are accessible for all members, with features such as ADA-compliant ramps.

Operating Hours and Services

We understand that your time is valuable. That's why we offer convenient lobby hours from 9:00 AM to 4:00 PM, Monday through Friday. While you're here, you can access a variety of services tailored to meet your financial needs. From personal banking solutions like checking and savings accounts to auto loans, mortgage refinancing, and credit cards with rewards, we are dedicated to helping you achieve your financial goals.

Member Eligibility

Welcome to the vibrant community at Oneida County, where becoming a member means joining a family that truly cares about your financial well-being. If you live, work, worship, or go to school in Oneida County, you're already on your way to enjoying all the benefits we offer! Our doors are open to individuals who meet these simple criteria, making it easy for you to start your journey with us. Plus, being a member at Oneida County comes with fantastic perks like personalized service and competitive rates on loans and savings accounts. Getting started is a breeze! Just take a moment to visit our eligibility page at http://www.oneidacfcu.org/members.xhtml for more detailed information about becoming a member. When you're ready, you can reach out to us at (315) 798-5741, and we'll guide you through the account opening process. We're excited to welcome you to our branch located at 800 Park Ave Utica Ny 13501, where you can experience firsthand the support and services designed just for you.

Business Banking & Commercial Services

Business 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

Imagine being able to accept payments easily from your customers without worrying about complicated processes. Our merchant services make this possible. You can focus on what you do best running your business while we handle secure transactions efficiently. Located at 800 Park Ave Utica Ny 13501 in Utica, NY, we invite you to explore how our tailored solutions can help your business thrive. Reach out to us at (315) 798-5741 or visit our website at Oneida County Federal Federal Credit Union to learn more about how we can support your ambitions!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Looking to purchase a new car or refinance your existing auto loan? Our auto loans and vehicle financing options provide competitive rates and flexible terms, making it easier for you to drive away in the vehicle of your dreams without breaking the bank.

Business Banking

For our business members, we provide comprehensive business banking services, including merchant services and business loans. We understand the importance of having reliable support when running a business, so we ensure easy access to funds and resources.

Credit Cards with Rewards

Take advantage of our credit cards with rewards that allow you to earn points or cashback on everyday purchases. These cards come with no annual fees, making them an excellent choice for those looking to maximize their spending power while enjoying additional perks.

Mortgage Loans & Refinancing

Homeownership is a significant milestone, and we are here to assist you every step of the way. Our mortgage loans and refinancing options cater to different budgets and needs. Whether you're buying your first home or looking to lower your monthly payments through refinancing, our team will guide you through the process.

Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking features. You can manage your accounts from anywhere at any time pay bills, transfer funds, or check balances all with just a few clicks on your device. While we currently do not have ATM services available at our branch, our friendly staff is ready to assist you with any cash withdrawal needs during lobby hours from 9:00 AM to 4:00 PM Monday through Friday. At Oneida County Federal Credit Union, we're committed to serving our members with warmth and efficiency. For more information about any of these services or if you have questions about how we can assist you further, please feel free to call us at 315-798-5741. Let us help you achieve your financial goals today!

Personal Banking

We understand that managing your finances can be challenging, which is why we offer various checking and savings accounts designed to help you save and grow your money effectively. Whether you're setting up a first account for your child or looking for an interest-bearing option for yourself, we've got you covered.

Personal Loans & Debt Consolidation

If you're facing unexpected expenses or need help managing debt, our personal loans and debt consolidation services can offer relief. We work with you to create a solution that fits your financial situation and helps you regain control over your finances.

Digital & Online Banking

Accessibility and Security

Your security is our priority. Our online banking services are equipped with strong security measures to protect your personal information. You can rest assured that your data is safe as you navigate through your accounts. Additionally, while we do not offer person-to-person transfers at this time, our other features make managing your finances straightforward and hassle-free. Accessing and controlling your financial life has never been easier with the tools available at Oneida County. In today's fast-paced world, convenience matters. Embrace the ease of digital banking with us at Oneida County where managing your money is always just a click away!

Key Features

Our online banking platform provides everything you need to stay on top of your accounts. Check your balances, view transaction history, and transfer funds all with just a few clicks. We also offer e-statements, so you can easily access your account statements online instead of waiting for them to arrive in the mail. Plus, there's no need for electronic signature authorization when making most transactions, simplifying the process even further. While we currently do not support mobile payments or a dedicated mobile application, our website is fully optimized for mobile use. This means you can still enjoy a smooth experience whether you're using your phone or tablet.

Financial Strength

Commitment to Growth

With $1,500,013 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 $167 in used auto loans and $5,197,397 in total loans and leases, supporting members' financial goals across various sectors.

Growing Member Base

Our total share accounts stand at 3,078, showing a strong and growing member base that trusts us with their finances. Net Shares (funds available for lending and investments) amount to $0. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Oneida County is your trusted partner. Visit us at 800 Park Ave Utica Ny 13501 or call (315) 798-5741 to learn more about how we can help you achieve your financial goals.

Member Savings and Support

Members' savings are secured through $1,286,720 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 financial performance shines through with a net income of $0, reflecting our operational efficiency. This enables us to continue offering competitive loan rates and solid financial products for our members. We take pride in having 4 full-time employees ready to assist you with knowledge and dedication.

Strong Financial Health

With a net worth of $1,649,755, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,117 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 $2,551,785 in used vehicle loans and $1,090,544 in new vehicle loans already helping members get on the road. Whether you're looking for financing on a brand-new model or a reliable used vehicle, our flexible terms can help make your purchase easier.

Credit Lines

If you need extra cash for emergencies or unplanned expenses, our credit lines totaling $400,000 provide the flexibility you need. These credit lines are designed to help you manage unexpected costs without straining your budget.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $218,389, make buying or refinancing simple. We provide competitive rates and personalized service to ensure that you find a mortgage solution that fits your budget and lifestyle.

Refinancing Options

We also offer refinancing options across our loan products to help you lower payments or access cash from your existing equity. If you're interested in exploring eligibility for refinancing or other loan options, don't hesitate to reach out to our knowledgeable staff. For more information about our loan offerings or assistance with your application process, please contact us at (315) 798-5741 or visit us at 800 Park Ave Utica NY 13501. You can also check out our website at oneidacfcu.org for additional details. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At Oneida County, we're committed to supporting our community's financial well-being through tailored lending solutions that empower our members.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $297,458 in loans helping members manage their finances effectively. Our credit cards come with great rewards and no hidden fees, making it easy for you to use them as part of your everyday spending.

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Oneida County