People First Credit Union Bethlehem PA | Low Mortgage Rates & Auto Loans

Introduction

Welcome to People First at our Bethlehem Branch, located conveniently at 2259 Schoenersville Rd, Bethlehem, PA 18017. Since our establishment in 1950, we've dedicated ourselves to providing reliable financial services tailored to our community's needs. With over 74,822 members, we are proud to be a trusted partner for personal and business banking. Our commitment to you is evident in our impressive financial health. As of now, we hold total assets of $898,289,645 and have granted loans totaling 30,061 to support your financial goals. Whether you're looking for an auto loan or need assistance with mortgage financing, we've got you covered with a total deposit base of $4,147,658 and net worth standing strong at $73,202,663. At People First, we believe in the power of community. Under the leadership of our CEO Howard Meller and Board President Gerard Judge, our team of 172 employees is here to ensure that every interaction is meaningful and beneficial for our members. We understand that financial decisions can be overwhelming; that's why we're here to guide you every step of the way. While members can visit us at our branch for all your banking needs, official correspondence should be sent to our mailing address: 740 W Hamilton St Ste 300, Allentown, PA 18101-2474. We invite you to explore the range of services we offer from personal banking options like checking and savings accounts to various loan products designed specifically for your needs. Our friendly staff is ready to assist you during our operating hours: Monday through Thursday from 9:00 AM to 5:15 PM, Friday from 9:00 AM to 6:00 PM, and Saturday from 9:00 AM to 12:00 PM. Reach out today at 610-797-7440 or visit us online at People First to learn more about how we can support your financial journey!

Branch History & Mission

Community Connections

We deeply value the connections we've built over the years through various partnerships and outreach initiatives. By supporting local events and organizations, we aim to give back to the community that has supported us throughout our journey. Your success is our priority; when you thrive, so does Bethlehem. As we look forward to the future, we invite you to join the People First family. Experience firsthand how being part of a credit union can benefit your life financially and socially. Come visit us during our operating hours Monday through Thursday from 9:00 AM to 5:15 PM, Friday from 9:00 AM to 6:00 PM, and Saturday from 9:00 AM to 12:00 PM or give us a call at (610) 797-7440. Together, let's build a brighter future!

Our Journey

People First began with a simple mission: to serve our community by offering accessible financial solutions. Over the years, we have achieved significant milestones that reflect our growth and dedication. From expanding our range of services like auto loans, mortgages, and personal banking to ensuring ADA compliance for all our facilities, every step has been taken with our members' needs in mind. Today, as we stand at the heart of Bethlehem, we are not just a credit union; we are a community hub. Our branch is equipped with an ATM and drive-thru banking to make your transactions as convenient as possible. We also offer online banking and mobile applications for those who prefer digital access to their accounts.

Our Mission

Our mission is clear: to provide exceptional financial services while fostering a sense of belonging within the community. At People First, we believe that everyone deserves access to quality financial products and support. We strive to make banking personal by prioritizing member service and engagement. Whether you need assistance with saving for a home or managing debt, our knowledgeable staff is here to guide you every step of the way. While members can visit us at 2259 Schoenersville Rd Bethlehem Pa 18017, official correspondence should be sent to 740 W Hamilton St Ste 300, Allentown, PA 18101-2474.

Branch Location & Accessibility

Drive-Thru Banking

For those days when you're on the go, our drive-thru service makes banking even easier. You can handle deposits, withdrawals, and simple transactions without having to leave your vehicle. We invite you to visit us at People First call us at 610-797-7440 if you have any questions or need assistance. Come see how we can help you achieve your financial goals today!

Nearby Landmarks and Accessibility Features

Situated close to popular landmarks, we are just a short drive from the vibrant Lehigh Valley Mall and not far from the scenic Monocacy Park. You'll find plenty of parking available right outside our door, with accessible options to ensure everyone can visit comfortably. Our facility is designed with accessibility in mind, featuring ramps and ADA-compliant entrances so that all members can access our services easily.

Operating Hours and Services

At People First, we want to make your banking experience as smooth as possible. Our lobby hours are open from Monday through Thursday from 9:00 AM to 5:15 PM, Friday until 6:00 PM, and Saturday mornings until 12:00 PM. This gives you ample time to come in and discuss your financial needs or take care of everyday banking tasks. We offer a range of services tailored just for you whether it's personal banking options like checking and savings accounts, auto loans, or credit cards with rewards. Need to manage your business finances? We've got that covered too! You can also take advantage of our ATM services for quick cash withdrawals or balance checks anytime.

Member Eligibility

Joining the People First family means becoming part of a community that truly cares about your financial well-being. To be eligible for membership at our Bethlehem branch, located at 2259 Schoenersville Rd, you simply need to meet a few friendly criteria. Whether you live, work, worship, or go to school in our service area, you're welcome here! This inclusivity allows us to extend our supportive services to a wide range of individuals and families. If you want more details about eligibility requirements, feel free to check out our website at People First Membership. Becoming a member is a straightforward process that opens up access to fantastic benefits like competitive rates on loans and savings accounts, personalized service, and various financial products tailored just for you. Ready to take the next step? You can easily start your account opening process by visiting Apply for an Account or give us a call at 610-797-7440. We're here to help you every step of the way!

Business Banking & Commercial Services

Commercial Loans That Fuel Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $177 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $16 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $92,731,954, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services for Everyday Transactions

In addition to loans, our merchant services make it easier for you to manage daily transactions. Imagine having a seamless way to accept payments from your customers whether they prefer credit cards or mobile payments. This ensures you stay focused on what you do best: running your business. Located at 2259 Schoenersville Rd Bethlehem Pa 18017 in Bethlehem, PA, we invite you to discover how our comprehensive business banking solutions can help elevate your enterprise. For more information or to get started, give us a call at (610) 797-7440. Let's build something great together!

Comprehensive List Of Services

Business Banking Solutions

For those who run their own businesses, we offer specialized services tailored just for you. Our business banking options include merchant services that help you accept payments easily and efficiently. Plus, if you're looking for financial support to grow your business, our business loans can provide the necessary funding to expand operations or invest in new equipment.

Convenient Access and Support

At People First, we understand the importance of convenience in today's fast-paced world. That's why we provide access to ATM and cash withdrawal services, ensuring you have quick access to cash when needed. Additionally, our basic drive-thru banking allows for easy deposits and withdrawals without leaving your car. We encourage all members to take advantage of our digital offerings like online banking and mobile applications that let you manage your finances anytime, anywhere. If you're ready to explore what People First can do for you or if you have any questions about our services, don't hesitate to reach out! Call us today at 610-797-7440 or visit us at peoplefirst.com to learn more about how we can help meet your financial needs. We look forward to serving you!

Loans and Credit Options

Sometimes life throws unexpected expenses your way. That's where our personal loans and debt consolidation options come into play. Whether you need funds for a special occasion or want to simplify your monthly payments by consolidating debt, we've got solutions that can ease your financial stress. And don't forget about rewards! Our credit cards with rewards make everyday spending more rewarding. You can earn points on purchases that can be redeemed for travel, merchandise, and more.

Personal Banking Services

Starting with personal banking, we know that managing your money can sometimes feel overwhelming. That's why we offer checking and savings accounts designed to fit your lifestyle. Imagine easily accessing your funds for daily expenses while also having a place to grow your savings. With our online and mobile banking features, you can check balances, transfer money, and pay bills right from your smartphone or computer. When it comes to financing major purchases like a new car or home, our auto loans and mortgage loans are here to help. Picture yourself driving off in that new vehicle with an affordable loan tailored just for you! If you're considering refinancing your existing mortgage, our team is ready to assist you in finding the best rates available.

Digital & Online Banking

Key Features

One standout feature is our E-Statements Availability, which allows you to view your account statements electronically. This not only helps reduce paper clutter but also makes it easier for you to track your finances over time. You can also take advantage of our Electronic Signature Authorization, making it simpler to sign documents online without the hassle of printing and scanning. If you're always on the go, you'll love our Mobile Application Availability. Our app lets you manage your accounts right from your smartphone, so whether you're waiting in line or enjoying a coffee, you can handle your banking needs effortlessly. Additionally, we offer Person-to-Person Transfers for quick and easy money transfers between friends or family no need for cash or checks anymore! And while we currently do not support Mobile Payments, rest assured that we're constantly evaluating ways to enhance your experience. In summary, People First is committed to providing accessible and secure digital banking solutions that fit seamlessly into your life. Join us today and experience the ease of managing your finances online!

Financial Strength

Commitment to Innovation

With $71,675,225 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 $9,486 in used auto loans and a total of $595,693,504 in loans and leases available for various needs.

Growing Trust Among Members

Total Share Accounts stand at 141,144, showing a strong and growing member base that trusts us with their finances. This trust fuels our mission to provide exceptional banking experiences designed around your life. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, People First is your trusted partner. Visit us at 2259 Schoenersville Rd Bethlehem PA 18017 or call 610-797-7440 to learn more about how we can help you achieve your financial goals.

Member Savings Protection

Members' savings are secured through $219,743,670 in share certificates and $78,240,464 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.

Operational Efficiency

Our operational efficiency is reflected by our $0 net income, showcasing our commitment to serving you without compromising quality or service availability. We also take pride in having 157 full-time employees and 15 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team.

Solid Financial Health

With a net worth of $73,202,663, we maintain robust financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 8.15% 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. We have already issued over $15,377,309 in used vehicle loans and $4,897,453 in new vehicle loans to help members get on the road. Whether you're purchasing a brand-new model or a reliable used car, our financing options are tailored to fit your budget.

Business Financing

For business owners, our outstanding commercial loans totaling $92,731,954 provide the capital needed to grow and expand your operations. These loans are structured to meet the demands of various business ventures.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We provide various mortgage products including Junior Lien 1-4 Family Residential Properties loans totaling $89,657,393. This means you can find the right solution for your housing needs without unnecessary stress.

Refinancing Options

If you're considering refinancing your current loans or mortgages for better rates or terms, we have options available that could potentially save you money each month. At People First, we prioritize making financing accessible and straightforward for all our members. 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 navigate your financial journey with confidence reach out today!

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans. With a total of $19,537,560 in loans helping members manage their finances effectively, our credit card options provide convenience and peace of mind for everyday purchases.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers come exclusively from legitimate financial institutions, ensuring transparency in what you see. - No Sponsored Listings: Unlike other platforms that may prioritize lenders based on paid promotions, LendMesh aims to deliver unbiased results that focus solely on user needs. - Real-Time Rate Comparisons: With up-to-date loan rates from multiple institutions, users can easily assess their options and choose what fits their financial situation best. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This kind of feedback highlights the platform's effectiveness in helping individuals secure better deals. 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.

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 using only verified data guarantees fair and transparent offers. Each lender listed provides accurate information about their loan products, helping users make informed choices.

PEOPLE FIRST FEDERAL CREDIT UNION - Bethlehem, PA