Pagoda Credit Union Reading PA | Affordable Auto Loans & Business Banking

Introduction

Welcome to Pagoda, your trusted partner in financial growth and community support! Located at 833 Washington St, Reading, PA 19601, we have proudly served our members since 1963. With a deep commitment to personal banking and community engagement, we strive to make a positive impact on the lives of over 2,744 members. At Pagoda, we believe that every financial journey is unique. That's why we offer a variety of services tailored to meet your needs from checking and savings accounts to auto loans, mortgages, and credit cards with rewards. Our total assets stand strong at $29,793,780, ensuring that we have the resources to support you effectively. In addition to our solid financial foundation, which includes total deposits of $2,214,180 and a net worth of $2,865,802, we pride ourselves on being a part of the local community. Our dedicated team of 5 employees, led by CEO Debra Guthier and Board President Sandy Hummel, is here to provide personalized service and expert guidance. While members can visit us at our branch for all banking needs, official correspondence should be sent to the same address: 833 Washington Street, Reading, PA 19601. We invite you to explore our website at pagodafcu.org for more information about our offerings or simply give us a call at 610-373-3840. Join us today and experience the difference of being part of Pagoda where your financial well-being is our priority!

Branch History & Mission

Community Commitment

Our dedication goes beyond banking; we prioritize ADA compliance and customer-centric initiatives to ensure everyone feels welcome at Pagoda. Although we currently do not offer ATM services at this location, we do provide convenient drive-thru banking for deposits and withdrawals. As a member-focused institution without shared service centers or ATMs on-site, we emphasize direct connections with our members. This approach allows us to understand your needs better and tailor our services accordingly. We invite you to join the Pagoda family today! Experience how being part of a credit union can make a real difference in your financial journey while contributing positively to the community around us. Visit us at Pagoda today or call us at 610-373-3840 for more information about how we can assist you!

Our Journey

Since opening our doors, Pagoda has evolved significantly. We began with a simple mission: to provide accessible financial solutions that empower our members. Through dedication and innovation, we have expanded our offerings to include personal banking services such as checking and savings accounts, auto loans, mortgage loans, and credit cards with rewards. In addition, we serve local businesses with merchant services and business loans. Our commitment doesn't stop at financial products; it extends into the heart of our community. We actively participate in outreach initiatives and partnerships that enhance the lives of our members and their families. As we've grown over the decades, so has our understanding of what it means to be part of this vibrant community.

Our Mission

At Pagoda, our mission is simple yet impactful: We strive to deliver personalized financial services that not only meet your needs but also support the growth of our community. We believe in creating opportunities for everyone by promoting financial literacy and responsible banking practices. We recognize that each member's journey is unique, which is why we focus on building lasting relationships based on trust and transparency. While you can visit us at 833 Washington St, official correspondence should be sent to 833 Washington Street, Reading, PA 19601 if different from your visits. Our branch operates Monday through Friday from 8 AM to 5 PM, making it easy for you to access our services whenever you need them.

Branch Location & Accessibility

Accessibility Features

We understand that accessibility is key for our members. Our branch is designed with ADA compliance in mind, featuring ramps and designated parking spaces to ensure everyone can access our services comfortably. If you prefer to take care of your banking from your vehicle, we also offer convenient drive-thru banking options for deposits and withdrawals.

Operating Hours

We're here for you Monday through Friday from 8 AM to 5 PM. Our team is dedicated to making your banking experience smooth and efficient. Whether you're looking to open an account or inquire about loans and services, we are ready to assist you during these hours.

Services Offered

Pagoda Credit Union offers a variety of personal banking services including checking and savings accounts, auto loans, mortgage loans, personal loans, and credit cards with rewards. We also provide business banking solutions such as merchant services and business loans. Plus, our online and mobile banking features allow you to manage your finances anytime, anywhere no need to wait until you're at the branch! If you have any questions or would like more information about our services, feel free to give us a call at 610-373-3840. We invite you to come by and discover how Pagoda Credit Union can help meet your financial goals!

Member Eligibility

At Pagoda, we believe that becoming a member is like joining a close-knit family that cares about your financial well-being. If you live, work, worship, or attend school in the area around 833 Washington St Reading Pa 19601, you're already on the right path to membership! We welcome everyone who shares our values and commitment to community. Becoming part of our union not only gives you access to a range of personalized financial services but also connects you with fellow members who value collaboration and support. Getting started is easy! Just reach out to us at (610) 373-3840 or visit our website for more details on how to open an account and become a member. You can find all the eligibility criteria laid out clearly at . We're excited to help you take this step towards better banking!

Business Banking & Commercial Services

Business Loans for Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. While we currently do not have any member or non-member commercial loans, we are dedicated to exploring opportunities that will benefit our community. When available, our members can look forward to tailored loan options designed specifically for their needs.

Merchant Services That Work for You

In addition to loans, we also offer merchant services that make everyday transactions easier for your business. Imagine having a seamless way to accept payments from customers, whether they pay by card or mobile app. This convenience not only improves customer satisfaction but also helps streamline your operations. Located conveniently at 833 Washington St Reading Pa 19601 in Reading, PA, our team is here to assist you Monday through Friday from 8 AM to 5 PM. Reach out at (610) 373-3840 to learn more about how we can support your business banking needs!

Comprehensive List Of Services

Business Banking

For our members who run businesses, we offer specialized business banking services. From merchant services that simplify transactions to business loans that help fuel growth, we understand the unique challenges faced by entrepreneurs and are here to support your journey.

Credit Cards & Loans

Looking to consolidate debt or make a significant purchase? Our personal loans provide a straightforward solution without the hassle. Additionally, our credit cards come with rewards that let you earn while you spend perfect for those who enjoy getting something back for their purchases.

Drive-Thru & ATM Services

While we currently do not have ATM facilities available at this branch, our basic drive-thru banking service allows for quick deposits, withdrawals, and simple transactions without stepping inside the branch. This added convenience ensures you're not waiting in line when all you need is a quick banking task completed. If you're ready to explore all that Pagoda has to offer or have questions about any of our services, please don't hesitate to reach out! Call us at (610) 373-3840 or visit us at Reading Office today. Your financial well-being is just a conversation away!

Online & Mobile Banking

In today's fast-paced world, convenience matters. That's why we provide robust online and mobile banking features that let you access your accounts anytime, anywhere. You can easily manage your finances, transfer funds, and even send money to friends with our person-to-person service making banking fit into your busy lifestyle.

Personal Banking

Our personal banking services are tailored to help you manage your everyday finances. With options like checking and savings accounts, you'll have the flexibility to handle your money as you see fit. We also offer competitive rates on auto loans and vehicle financing, making it easier for you to get behind the wheel of that new car you've been eyeing. If you're considering homeownership, our mortgage loans and refinancing options can guide you through the process with ease.

Digital & Online Banking

Accessible Online Banking Services

With our 24/7 online banking options, available at https://www.pagodafcu.org/ , you can easily check your account balances, review transactions, and pay bills with just a few clicks. Our user-friendly platform ensures that you can navigate your financial activities without any hassle.

Mobile Banking at Your Fingertips

For those on the go, our mobile application allows you to manage your finances right from your smartphone. Whether you want to make person-to-person transfers or simply check your balance, everything is just a tap away. Plus, while mobile payments are not yet offered, our app provides all the essential features for easy banking.

Secure Transactions Made Easy

Security is a top priority at Pagoda. While we don't currently offer electronic signature authorization, our commitment to keeping your information safe remains strong. You can also enjoy the convenience of e-statements, which are available for those who prefer paperless banking saving trees while staying organized!

Stay Connected Anytime

No matter what time it is, with our online banking services, you have complete control over your accounts around the clock. You can quickly view account details and transfer money whenever it fits into your schedule. At Pagoda, we strive to provide tools that enhance your banking experience while keeping it secure and straightforward. Join us today and take advantage of these convenient digital services tailored just for you!

Financial Strength

Comprehensive Lending Options

Our lending capacity supports your financial goals across various sectors. With $174 in used auto loans and $10,137,653 in total loans and leases, we're here to assist you whether you're purchasing a vehicle or looking for other financing options.

Focused on Member Benefits

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.

Growing Membership Base

We currently manage a total of 5,167 accounts, showcasing a strong and growing member base that trusts us with their finances. This trust strengthens our community ties and enhances the services we provide. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Pagoda is your trusted partner. Visit us at 833 Washington St Reading Pa 19601 or call (610) 373-3840 to learn more about how we can help you achieve your financial goals.

Member Savings Security

Your savings are crucial to us. We ensure your funds are well-protected with $486,886 in share certificates, offering stable and rewarding financial growth opportunities. This commitment to safeguarding your assets helps foster a secure environment for all our members.

Operational Efficiency

Our commitment to efficiency is reflected in our $425,993, enabling us to continue offering competitive loan rates and solid financial products tailored for our members' needs. We also take pride in having 5 full-time employees and 0 part-time employees who are always ready to assist you with knowledgeable support.

Reinvestment in Your Future

With $2,439,809 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve you better. We believe that by investing back into our services, we can provide you with the best possible experience.

Solid Financial Foundation

With a net worth of $2,865,802, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $962 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 $3,093,146 in used vehicle loans and $1,555,609 in new vehicle loans already helping members get on the road. Whether you're interested in a brand-new model or a reliable used vehicle, our financing options make it easier for you to drive away satisfied.

Credit Lines

In addition to traditional loans, we provide credit lines totaling $500,000 for those who want more flexibility in managing their finances. A credit line can be a useful tool for both planned expenses and emergencies. If you're considering refinancing or exploring eligibility options for any of these products, our knowledgeable team is ready to assist you in understanding your choices and finding the best solution for your needs. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Our goal at Pagoda is not just to provide loans but to empower our members with the financial tools they need to succeed. Visit us today or call us at 610-373-3840 to learn more about how we can support your financial aspirations!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $1,533,485, make buying or refinancing simple. We work with you to find terms that fit your budget and lifestyle.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $1,448,443 in loans helping members manage their finances effectively. This option is ideal for those looking to consolidate debt or cover unexpected expenses without tying up their assets.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency and trust. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results that reflect genuine market conditions. - Real-Time Rate Comparisons: Users benefit from up-to-date loan rates from multiple institutions, allowing them to make informed decisions quickly. Thousands of users trust LendMesh for their loan comparisons. One member shared their experience: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials highlight the effectiveness of using LendMesh as a reliable resource for finding competitive loan options. Compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

PAGODA FEDERAL CREDIT UNION - Reading, PA