Partners 1st Credit Union Cambridge MD | Affordable Vehicle Loans & Business Banking

Introduction

At Partners 1st, we believe in building strong financial futures together. Located at 726 Cambridge Plz, Cambridge, MD 21613, our credit union has been serving the community since 1952. With a dedicated team of 213 employees, we are committed to providing personalized service and innovative financial solutions tailored to meet your needs. With total assets exceeding $543 million, and total deposits of $34,945,422, our members trust us as a reliable partner in their financial journeys. We proudly serve over 45,662 members, offering a range of services including checking and savings accounts, auto loans, mortgage financing, and business banking solutions. Our commitment to you doesn't stop there; we also provide robust online and mobile banking options for convenience at your fingertips. Under the leadership of CEO Carla Bienz and Board President Dennis Baumgartner, we strive to foster a welcoming environment where every member feels valued. Whether you need assistance with personal loans or are looking for business financing options, we're here to help. While members can visit us at our branch for face-to-face interactions, official correspondence should be sent to the same address: 726 Cambridge Plz, Cambridge, MD 21613. Our doors are open during convenient hours Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 12 PM making it easy for you to connect with us when it suits your schedule. Join us today and experience the difference that comes with being part of a community-focused credit union! Call us at 410-228-0082 or visit our website at Partners 1st to learn more about how we can support your financial goals.

Branch History & Mission

At Partners 1st, our story began in 1952, rooted in a commitment to serve the community of Cambridge, Maryland. Over the years, we have grown from a small credit union into a trusted financial partner for over 45,000 members. Our branch is located at 726 Cambridge Plz, right in the heart of Dorchester County. We invite you to visit us and see how we've evolved to meet your financial needs. Our mission at Partners 1st is simple yet powerful: to provide exceptional financial services while making a positive impact in our community. We believe that everyone deserves access to quality banking solutions that empower them to reach their goals. Whether it's providing auto loans, mortgages, or personal banking services, we strive to support our members every step of the way. Since our inception, we've continually adapted to better serve our members. Today, with total assets exceeding $543 million, we are proud to offer modern conveniences such as online banking and mobile payment options. Our branch is also equipped with an ATM for quick cash access and operates with a shared service center for added convenience. While members can visit us at 726 Cambridge Plz for all their banking needs, official correspondence should be sent to the same address as well. Our operating hours make it easy for you to connect with us: Monday through Thursday from 9:00 AM to 5:00 PM, Friday from 9:00 AM to 6:00 PM, and Saturday from 9:00 AM to 12:00 PM. We are dedicated not only to enhancing your financial health but also to strengthening our local community through outreach programs and partnerships that support various initiatives. Our history is rich with milestones that reflect our growth and dedication each one a testament to our unwavering commitment to you. Join us at Partners 1st and experience firsthand how we can help you achieve your financial dreams while contributing positively to our community. Let's build a brighter future together! For more information or assistance, feel free to call us at (410) 228-0082 or visit our website at Partners 1st.

Branch Location & Accessibility

Welcome to Partners 1st, located conveniently at 726 Cambridge Plz in the heart of Cambridge, Maryland. Our branch is easily accessible and designed with your needs in mind, whether you're stopping by for a quick transaction or exploring our wide range of financial services. Situated near local favorites, our location is just a stone's throw away from scenic parks and community hubs, making it a great stop during your daily activities. At Partners 1st, we prioritize accessibility for all members. Our facility features ADA-compliant entrances and ramps, ensuring everyone can enjoy a hassle-free banking experience. We also offer ample parking to make your visit as convenient as possible. Our friendly team is ready to assist you during our operating hours: Monday through Thursday from 9:00 AM to 5:00 PM, Friday from 9:00 AM to 6:00 PM, and Saturday from 9:00 AM to 12:00 PM. Whether you're looking to open a new account, apply for an auto loan, or simply ask questions about your existing services, we're here to help! For those on the go, we have an ATM available for quick cash withdrawals and balance checks. While we do not have drive-thru banking at this branch, our shared service center allows members from partner credit unions to conduct basic transactions like deposits and withdrawals conveniently. If you need to reach us, feel free to call at 410-228-0082. We invite you to visit Partners 1st today; our dedicated team is excited to serve you!

Member Eligibility

At Partners 1st, we're excited to welcome you into our community! Joining us means becoming part of a supportive network that values your financial well-being. To become a member at our Cambridge branch located at 726 Cambridge Plz, Cambridge, MD 21613, you'll need to meet some simple eligibility criteria. Generally, anyone who lives, works, or worships in our community can apply. We believe in making banking accessible and friendly for everyone. If you want to know more about the specific requirements, feel free to visit our detailed eligibility page at . Getting started is easy! Simply reach out to us by calling 410-228-0082, or check out the account opening process through this link: https://partners1stcu.org/business-auto-loan-special. We can't wait to help you on your financial journey and provide you with all the benefits of membership at Partners 1st!

Business Banking & Commercial Services

Merchant Services Made Easy

Imagine having a partner who understands your cash flow needs and provides seamless payment processing. Our merchant services empower local businesses to accept payments easily, whether in-store or online. This means you can focus on what you do best running your business while we handle the transactions. Discover how Partners 1st can be your ally in achieving financial success. Stop by our branch at 726 Cambridge Plz Cambridge Md 21613 or give us a call at (410) 228-0082 to learn more about how we can support your business journey!

Supporting Business Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $48 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $28 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $5,115,018, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Banking Support

For business owners, Partners 1st offers tailored solutions including merchant services and business loans. We understand the challenges of running a business, and we're committed to helping you succeed by providing the financial tools necessary to thrive.

Convenient Online & Mobile Banking

In today's fast-paced world, convenience is key. Our robust online and mobile banking services allow you to access your accounts anytime, anywhere. Pay bills, transfer funds, or check balances all from the palm of your hand it's banking made easy! Plus, with our ATM and cash withdrawal services available at various locations, accessing your money is just a few taps away.

Home Financing Made Simple

Thinking about buying a home or refinancing your current mortgage? Our mortgage loans and refinancing options provide competitive rates and flexible terms tailored to fit your budget. We want to help you find the perfect solution to make your homeownership dreams a reality.

Personal Banking Solutions

For individuals looking to manage their finances better, we offer a variety of personal banking services. Whether you're opening a new checking or savings account, our straightforward options help you save for that dream vacation or simply manage your day-to-day expenses with ease. If you're in the market for a vehicle, our auto loans and vehicle financing can get you on the road quickly without breaking the bank.

Personal Loans for Life’s Needs

Life can throw unexpected expenses your way. That's where our personal loans and debt consolidation services come into play. Whether it's for home repairs, medical bills, or consolidating existing debt into one manageable payment, we're here to help lighten your load.

Rewarding Credit Cards

Don't forget about our credit cards with rewards! With features designed to earn you points on everyday purchases, it's a great way to benefit from spending while enjoying flexibility in managing payments.

Shared Branch Transactions

If you're a member of other partner credit unions, you'll appreciate our ability to perform basic shared branch transactions such as deposits and withdrawals. This service ensures that even when you're away from home, you're never too far from your funds. At Partners 1st, we pride ourselves on being more than just a bank; we're part of your community. For questions about any of these services or to learn how we can assist you further, feel free to reach out at (410) 228-0082 or visit us online at Partners 1st Fcu, Br. 28. Join us today and experience financial services that truly put you first!

Digital & Online Banking

Key Features

Our online banking platform is user-friendly and equipped with robust security features to keep your information safe. You can easily check balances, transfer funds, and pay bills without stepping into a branch. Plus, with the option for electronic signature authorization, signing documents is a breeze no more waiting for paperwork to be mailed back and forth. If you prefer going paperless, you'll love our e-statements feature. It not only helps you stay organized but also reduces clutter at home. And for those who are always on the move, our mobile application makes banking even more accessible. You can manage your accounts right from your smartphone, complete with mobile payments that let you make transactions quickly and securely.

Stay Connected

Need to send money to friends or family? Our person-to-person transfer service allows you to do just that in just a few taps. Whether it's splitting a dinner bill or sending a gift, it's simple and instant. With all these features combined, managing your finances has never been easier or more secure. Join us at Partners 1st today and experience the freedom of digital banking!

Financial Strength

At Partners 1st, 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 are proud to share our financial strength with you, reinforcing our commitment to serving your needs with reliability and trust. With a net worth of $52,515,667, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 964 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 $120,222,223 in share certificates and $47,338,416 in money market shares, 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. We also boast $42,393,164 in undivided earnings, which allows us to reinvest in innovative banking tools and stronger lending options. This means better security measures to serve you effectively. With $12,921 in used auto loans and an impressive total of $437,201,849 in loans and leases, our lending capacity supports your financial goals across various sectors. Despite facing challenges reflected by our net income of -$529,286, we remain committed to operational efficiency and sustainability. Our dedicated team comprises 190 full-time employees and 23 part-time employees, ensuring that our branches are always ready to serve you with knowledgeable support. Our net shares available for lending stand at $1,362,469, while the total number of share accounts has reached 88,967, 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, Partners 1st is your trusted partner. Visit us at 726 Cambridge Plz Cambridge MD 21613 or call us at 410-228-0082 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 $196,064,859 in used vehicle loans and $55,225,693 in new vehicle loans already helping members get on the road. We provide financing options for both new and used vehicles to fit your budget and lifestyle.

Business Financing

For business owners in need of capital to grow and expand their ventures, our outstanding commercial loans total $5,115,018. We aim to support local businesses with competitive financing solutions that cater to their unique needs. We also offer refinancing options across many of our loan products. This means you might be able to lower your monthly payments or access cash from your equity it's worth exploring! If you have any questions or wish to start the application process today, feel free to give us a call at 410-228-0082. Our team is here to help you navigate through your options and find the right fit 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. At Partners 1st, we're dedicated to making financial services accessible and beneficial for all our members. Join us today and take the first step toward achieving your financial dreams!

Credit Lines and Personal Loans

For those looking for flexibility in managing finances, we provide credit lines with a total of $138,860,566 available. Additionally, our unsecured credit card loans amounting to $11,216,006 allow members to handle daily expenses without the burden of high-interest rates.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $19,884,327. This can be an excellent opportunity if you're ready to invest in your future.

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 commitment to accuracy ensures that users receive fair and transparent offers. By relying on verified information, LendMesh provides a trustworthy platform for comparing loan options.

Partners 1St