P C Credit Union Smethport PA | Affordable Auto Loans & Business Banking

Introduction

Welcome to P C, your trusted financial partner located at 45 Route 446, Smethport, PA 16749. Established in 1955, we have proudly served our community for over six decades, fostering a spirit of collaboration and support among our 1,429 members. With total assets amounting to an impressive $13,547,077, we are dedicated to providing you with the best banking experience possible. At P C, we understand that every financial journey is unique. That's why we offer a wide range of services tailored to meet your needs from personal banking solutions like checking and savings accounts to auto loans and mortgage financing. Our commitment to helping you achieve your financial goals is evident in our total deposits of $1,915,089 and net worth of $1,655,832. While members can visit us at our branch address, official correspondence should be sent to 65 Route 446, Smethport, PA 16749. With a team of just 5 dedicated employees, led by our CEO Jean Bonser and Board President Clifford Lane, we prioritize personalized service and community engagement. Whether you're looking for business banking solutions or need help with debt consolidation, we've got you covered. You can reach us at 814-887-9244 during our convenient operating hours from 8:30 a.m. to 5 p.m., Monday through Friday. Join us on this journey toward financial wellness! For more information about our services or to become a member today, visit us online at pcfederalcu.org. Your future starts here!

Branch History & Mission

Community Engagement

P C actively participates in various outreach initiatives aimed at giving back to the community. From sponsoring local events to offering scholarships for students pursuing higher education, we understand that our success is intertwined with the prosperity of the neighborhoods we serve. As we look towards the future, we invite you to be part of this journey. Experience firsthand how P C can help you achieve your financial goals while being a vital part of a caring community. Join us today and discover all the benefits of membership! For more information or if you have questions, feel free to reach out at 814-887-9244. Together, let's build a brighter financial future!

Our Journey

P C was founded with a simple yet powerful mission: to provide accessible financial services that empower individuals and families in our community. As we have evolved, we've made significant strides in enhancing our offerings. From personal banking solutions like checking and savings accounts to auto loans, mortgage loans, and business banking services, our goal has always been to meet the diverse needs of those we serve. While members can visit us at 45 Route 446, official correspondence should be sent to 65 Route 446, Smethport, PA 16749. Our office operates from 8:30 a.m. to 5 p.m., Monday through Friday, making it easy for you to reach us when you need assistance.

Our Mission

At the heart of P C is our commitment to not only provide financial services but also to foster community well-being. We believe that by supporting our members financially, we contribute to the overall health of Smethport and its surroundings. Whether it's through educational workshops or partnerships with local organizations, we strive to make a positive impact. In today's fast-paced world, we've embraced technology while ensuring that accessibility remains a priority. Our online banking services allow members to manage their finances conveniently from anywhere. We are dedicated to providing an inclusive environment for all our members by adhering to ADA compliance standards.

Branch Location & Accessibility

Accessibility Features

We understand that accessibility is important for our members. Our branch is equipped with features that comply with ADA standards, ensuring that everyone can visit us comfortably. Parking is readily available right outside our doors, making it simple for you to pop in and take care of your banking needs.

Banking Services

At P C, we offer a variety of services tailored to meet your financial needs. From checking and savings accounts to auto loans and mortgages, we strive to provide options that work for you. Even if you need assistance with business banking or online services, we have you covered! While members can visit us at 45 Route 446, official correspondence should be sent to our mailing address at 65 Route 446, Smethport, PA 16749.

Call to Action

We invite you to stop by and see how we can assist you on your financial journey! If you have any questions or would like more information about our services, feel free to give us a call at 814-887-9244. We look forward to serving you soon!

Operating Hours

Our lobby hours are designed to fit your busy schedule. We're open Monday through Friday from 8:30 a.m. to 5 p.m., so you can drop by when it's most convenient for you. Whether you're stopping in for personal banking or need assistance with loans or credit cards, our dedicated staff is here to help.

Member Eligibility

At P C, we're excited to welcome you into our community of members who support one another in achieving their financial goals. Becoming a member is easy! If you live, work, worship, or attend school in McKean County, you're already eligible to join us. We value diversity and inclusion, so whether you're looking for personal banking options or business services, there's a place for you here. For a detailed look at our eligibility criteria, feel free to visit our website at https://pcfederalcu.org/membership/. Joining is just the first step towards enjoying the benefits of membership. At P C, you'll find a range of services tailored to meet your needs, from checking and savings accounts to auto loans and credit cards with rewards. To get started on opening your account or if you have any questions, don't hesitate to reach out to us at (814) 887-9244. We're here to help you every step of the way!

Business Banking & Commercial Services

Loan Options That Empower 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 world, efficient payment processing is crucial for any business. Our merchant services are designed to streamline your transactions, allowing you to focus on what you do best running your business. Whether you're a retail shop or a service provider, our solutions adapt to meet your needs, ensuring your customers have a smooth experience every time. Join us at P C, located at 45 Route 446 Smethport Pa 16749 in Smethport, PA, and discover how our business banking and commercial services can help your enterprise thrive. For more information, call us at (814) 887-9244 or visit our website at https://pcfederalcu.org/.

Comprehensive List Of Services

Additional Services

Though we don't currently have ATM facilities at our branch location, rest assured that we're committed to providing cash withdrawal services through partnerships with various networks so you can access your funds whenever needed. With operating hours from 8:30 a.m. to 5 p.m., Monday through Friday, we're here for you when it matters most. For any questions or assistance regarding our services at Disaster Recovery Site, don't hesitate to reach out at (814) 887-9244. Join us at P C today! Explore how we can help enhance your financial experience with comprehensive services designed just for you. Visit us online at https://pcfederalcu.org/ for more information or stop by we're excited to serve you!

Business Banking Options

For small business owners, we have tailored solutions through our business banking services. Our merchant services streamline transactions while our business loans offer funding opportunities for growth and expansion. We're here to support local businesses in their quest for success.

Convenient Online and Mobile Banking

In today's fast-paced world, convenience is key. That's why at P C, we offer robust online and mobile banking platforms that let you manage your accounts anytime, anywhere. You can easily check balances, transfer funds, and pay bills right from your smartphone or computer. Plus, our person-to-person payment feature makes it easy to send money directly to friends and family without hassle.

Credit Cards and Rewards

Don't forget about our credit cards with rewards, which allow you to earn points on everyday purchases. Whether it's for travel, shopping, or dining out, these rewards add extra value to your spending while providing peace of mind through competitive interest rates.

Personal Banking Solutions

Whether you are just starting out or planning for the future, our personal banking services are tailored to help you manage your finances effectively. We offer checking and savings accounts that fit your lifestyle, allowing you to save for that special vacation or manage day-to-day expenses with ease. If you're looking to purchase a new car or refinance an existing loan, our auto loans and vehicle financing options provide competitive rates and flexible terms, making it simple to get behind the wheel of your dream vehicle. For those considering home ownership or needing to adjust their current mortgage, our mortgage loans and refinancing services can guide you through every step of the process. We also understand that life can throw unexpected challenges your way, which is why we offer personal loans and debt consolidation options that help relieve financial stress and keep you on track.

Digital & Online Banking

Key Features

With our 24/7 online banking services, you can check balances, pay bills, and transfer money with just a few clicks. Imagine having access to your accounts whenever you need it no more rushing to the branch before closing time! Plus, if you're looking for an easy way to send money to friends or family, our person-to-person transfer feature has got you covered. It's quick and simple, making it easier than ever to share expenses or gift money. We also offer e-statements, which means you can view your account statements electronically instead of waiting for them in the mail. This not only saves paper but also gives you immediate access to important information whenever you need it. And while we currently do not support mobile payments or a dedicated mobile application, rest assured that our online platform is user-friendly and secure.

Security First

At P C, your security is our priority. Our online banking system employs advanced encryption technology to protect your personal information. You can bank with confidence knowing that your data is safe from unauthorized access. In summary, our digital banking services are designed to make managing your finances easy and secure. From accessing e-statements to transferring funds between friends, everything is just a click away. Experience the convenience of modern banking with us today!

Financial Strength

At P C, 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, trust and reliability are paramount when it comes to managing your finances. That's why we're committed to maintaining a strong financial foundation that benefits you directly. With a net worth of $1,655,832, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 12.22% 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 $2,190,600 in share certificates, offering stable and rewarding financial growth opportunities. While we focus on serving our members first, we also have $3,181,000 in non-member deposits. This structure allows us to concentrate our resources on benefiting you through better loan rates, lower fees, and exclusive perks. With $1,655,832 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 with $135 in used auto loans and $10,649,497 in total loans and leases. Our operational efficiency is reflected in our $10,283, which enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 5 full-time employees and 0 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Total Share Accounts stand at 2,448, demonstrating a strong and growing member base that trusts us with their finances. Our Net Shares (Funds available for lending and investments): $0. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, P C is your trusted partner. Visit us at 45 Route 446 Smethport Pa 16749 or call (814) 887-9244 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 $1,839,486 in used vehicle loans and $4,864,679 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive rates designed to make your car-buying experience as smooth as possible.

Credit Lines

For those needing extra flexibility, our total credit lines available stand at $500,000. This option allows you to access funds as needed while only paying interest on what you use, making it an excellent choice for managing unpredictable expenses. If you're considering refinancing any existing loans or checking eligibility for any of our products, don't hesitate to reach out! Our team is ready to assist you in exploring your options and finding solutions that work for you. For more information about our loan offerings or any other services, feel free to give us a call at (814) 887-9244 during our operating hours from 8:30 a.m. - 5 p.m., Monday through Friday. Remember, 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 helping you achieve your financial dreams!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $264,623, make buying or refinancing simple. We aim to guide you through the process, ensuring you understand all your options and helping you secure a loan that fits your budget.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $0 in loans helping members manage their finances effectively. These credit cards are designed for everyday use and can help you build or maintain your credit score without needing collateral.

Loan Aggregator

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P C FEDERAL CREDIT UNION - Smethport, PA

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