People First Credit Union Palmerton PA | Affordable Auto Loans & Business Banking

Introduction

Welcome to People First, your trusted financial partner located at 330 Delaware Ave, Palmerton, PA 18071. Since our establishment in 1950, we've dedicated ourselves to serving our community and building strong relationships with our 74,822 members. With total assets of $898,289,645, we pride ourselves on being a reliable choice for your banking needs. At People First, we understand that every financial journey is unique. That's why we offer a wide range of services including personal banking options like checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and business banking solutions. Whether you're looking to purchase a new vehicle or save for the future, our experienced team is here to help you make informed decisions. Our commitment to excellence is reflected in our impressive financial standing: we hold total deposits of $4,147,658 and have a net worth of $73,202,663. We also ensure that your funds are safe and accessible with cash in hand amounting to $11,984,993. Our team consists of 172 employees, all dedicated to providing exceptional service and support. While members can visit us at our Palmerton branch for personal assistance, official correspondence should be directed to our mailing address at 740 W Hamilton St Ste 300, Allentown, PA 18101-2474. If you have any questions or need assistance, feel free to reach out by phone at 610-797-7440. Led by our CEO Howard Meller and Board President Gerard Judge, we strive to foster a welcoming environment where everyone feels valued. Join us today and experience the People First difference where your financial well-being is our top priority! Visit us online at peoplefirst.com or stop by our branch during operating hours: Monday through Thursday from 9:00 am - 5:15 pm, Friday from 9:00 am - 6:00 pm, and Saturday from 9:00 am - 12:00 pm. Your future starts here!

Branch History & Mission

Our Evolution

Since opening our doors more than seven decades ago, People First has continuously evolved to meet the needs of our members. We started small, focused on providing essential banking services to the community. Over the years, we've expanded our offerings to include a wide range of personal and business banking solutions. Today, we proudly manage total assets of approximately $898 million and provide a variety of loans and credit products that empower our members to achieve their financial goals. Our commitment to innovation is evident in our digital advancements. Members can enjoy convenient online banking options, mobile applications, and e-statements that simplify their banking experience. We also prioritize accessibility with ADA-compliant facilities and services. Our ATM availability ensures that members have quick access to their funds whenever they need them.

Our Mission

At People First, our mission is clear: we strive to enhance the lives of our members by providing exceptional financial services while fostering a strong sense of community support. We believe that everyone deserves access to quality financial resources and guidance. Whether it's offering competitive rates on auto loans or helping families secure their dream homes through mortgage refinancing, we are dedicated to making a positive impact in every member's life. Our outreach efforts extend beyond banking; we actively engage with local organizations and participate in community events. We understand that supporting one another is vital for collective growth and success. While members can visit us at 330 Delaware Ave for all their banking needs, official correspondence should be sent to 740 W Hamilton St Ste 300, Allentown, PA 18101-2474. As we look towards the future, we invite you to join us on this journey. Experience firsthand how People First can help you navigate your financial path with confidence and care. With operating hours from 9:00 AM to 5:15 PM Monday through Thursday, until 6:00 PM on Friday, and from 9:00 AM to 12:00 PM on Saturday, we're here for you when you need us most. Call us today at 610-797-7440 or visit our website to learn more about becoming part of the People First family!

Branch Location & Accessibility

Accessibility Features

At People First, we believe that everyone should have access to quality banking services. Our branch complies with ADA standards, featuring ramps and accessible entrances for those who may need them. We strive to ensure that every member can comfortably navigate our space.

Banking Services

At People First, we offer a variety of services tailored to meet your financial needs. From checking and savings accounts to auto loans and mortgages, we are committed to providing solutions that work for you. Need cash? Enjoy the convenience of our ATM available on-site for quick withdrawals and balance checks. While members can visit us at 330 Delaware Ave Palmerton Pa 18071, official correspondence should be sent to our mailing address at 740 W Hamilton St Ste 300 in Allentown, PA.

Call-to-Action

Ready to take the next step towards managing your finances? Feel free to call us at 610-797-7440 or stop by our Palmerton branch today! We look forward to serving you and helping you achieve your financial goals with ease and confidence.

Convenient Location

Our branch is strategically positioned near local landmarks, making it simple for you to drop by. If you're heading from the nearby Palmerton Park or the lively downtown area, you'll find us just a short drive away. Plus, with ample parking available right outside, visiting us is hassle-free.

Operating Hours

We understand that life can get busy, which is why we offer flexible hours to accommodate your schedule. Our lobby hours are Monday through Thursday from 9:00 am to 5:15 pm, Friday from 9:00 am until 6:00 pm, and Saturday from 9:00 am to 12:00 pm. Whether you need help with personal banking or loans, our friendly staff is here during these times ready to assist you.

Member Eligibility

At People First, we believe that everyone deserves a chance to join our welcoming community. Becoming a member is simple and open to anyone who lives, works, worships, or attends school in the Carbon County area. This means that if you're part of this vibrant community, you can easily benefit from the personal banking services we offer. Membership brings you closer to a range of financial products designed to help you thrive, from checking and savings accounts to auto loans and credit cards with rewards. If you're ready to become part of something special, check out our eligibility details at https://peoplefirst.com/about-us/membership/referral/ for more information on how you can join us. When you're ready to open an account, the process is straightforward just visit us online at https://peoplefirst.com/apply-loan/ or give us a call at (610) 797-7440. We're excited to welcome you to People First, located at 330 Delaware Ave Palmerton Pa 18071!

Business Banking & Commercial Services

Merchant Services That Make Life Easier

In addition to loans, we offer practical merchant services that streamline your operations. Imagine being able to process payments quickly and efficiently while focusing on what you do best running your business. Our tools help you manage transactions with ease, so you can spend less time worrying about finances and more time serving your customers. Visit us at 330 Delaware Ave Palmerton Pa 18071 in Palmerton, PA, or give us a call at (610) 797-7440 to learn more about how we can support your business journey!

Tailored Loan Options

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.

Comprehensive List Of Services

Business Banking Made Easy

Business owners can take advantage of our comprehensive Business Banking services. From merchant services that simplify transactions to business loans that help grow your enterprise, we understand the unique challenges faced by small businesses and are here to support you every step of the way.

Convenient Digital Banking

In today's fast-paced world, convenience is key. That's why we offer robust Online & Mobile Banking solutions that allow you to manage your accounts from anywhere at any time. Whether it's checking your balance, transferring funds between accounts, or paying bills online, everything is just a few clicks away. We also provide ATM and cash withdrawal services so you can access your money whenever you need it.

Credit Options That Reward You

When it comes to credit, we have attractive options available. Our Credit Cards with Rewards allow you to earn points on every purchase, which can be redeemed for travel or cashback imagine getting rewarded just for using your card!

Personal Banking Solutions

For those looking to manage their everyday finances, our Personal Banking services include checking and savings accounts that fit various lifestyles. Imagine having a checking account that allows you to easily track your spending while building savings for your next vacation. We also offer Auto Loans & Vehicle Financing options, perfect for members eager to hit the road in a new car without the stress of high-interest rates. If you're thinking about purchasing a home or refinancing your current mortgage, our Mortgage Loans & Refinancing services make that process straightforward and hassle-free. You can also explore our Personal Loans & Debt Consolidation options designed to help you tackle unexpected expenses or consolidate existing debts into one manageable payment.

Your Financial Partner

At People First, we pride ourselves on being more than just a financial institution; we're your partner in achieving financial well-being. Our friendly staff is always ready to assist you with any questions or concerns you may have about our services. If you're ready to explore how we can assist you with all your banking needs or if you'd like more information about any specific service, don't hesitate to reach out! Call us at 610-797-7440 or visit our website at peoplefirst.com. Join us at People First where we put people first!

Digital & Online Banking

Accessibility and Security

Security is a top priority for us at People First. Our online banking services come with robust security measures, ensuring that your personal information stays safe while you manage your finances. With user-friendly navigation and real-time account management, keeping track of your money has never been easier. Whether you prefer using your computer or mobile device, we have options that work for everyone. Join us today at People First and experience the convenience of modern banking!

Key Features

We've made banking simple and secure with features like electronic signature authorization, which means you can sign documents digitally without needing to visit a branch. Plus, our e-statements provide a quick way to keep track of your account activity while helping the environment by reducing paper waste. If you're looking to send money quickly, our person-to-person transfer service lets you easily send funds to friends and family without any hassle. And if you're always on the move, our mobile application ensures that all these features are just a tap away.

Financial Strength

At People First, 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 insights about our robust financial health, ensuring you can trust us with your finances. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. With a net worth of $73,202,663, we maintain strong 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. 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. 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 members' financial goals across various sectors with $9,486 in used auto loans and a total of $595,693,504 in loans and leases. Our operational efficiency is reflected in our $0 net income, which allows us to continue offering competitive loan rates and solid financial products for our members. 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, committed team. Net Shares (Funds available for lending and investments): $0. Total Share Accounts: 141,144, 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, People First is your trusted partner. Visit us at 330 Delaware Ave Palmerton Pa 18071 or call 610-797-7440 to learn more about how we can help you achieve your financial goals.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $153,773,091 in used vehicle loans and $48,974,453 in new vehicle loans already helping members get on the road. We provide financing for both new and used vehicles, ensuring you can find a loan that fits your budget and lifestyle.

Business Solutions

For business owners, our outstanding commercial loans totaling $92,731,954 provide the capital needed to grow and expand your business. Whether you're starting a new venture or looking to invest in equipment or inventory, our commercial loan products are tailored to meet the unique needs of local businesses. We also have refinancing options available for many of our loan products. If you're considering refinancing your current loans or want more information about eligibility requirements, feel free to reach out to us at 610-797-7440. All 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 People First, we're committed to providing transparent and accessible financial services tailored just for you!

Credit Card Loans

We also provide flexible terms on unsecured credit card loans. With a total of $19,537,560 in loans helping members manage their finances effectively, our credit cards come with rewards that can enhance your spending power while keeping your finances in check.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $89,657,393, making it easier for you to secure your dream home. Whether you're a first-time buyer or looking to refinance an existing mortgage, our team is here to guide you through the process.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. This means you can trust that the information you see reflects current market conditions. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. Every user sees the same information without hidden agendas influencing what is displayed. - Real-Time Rate Comparisons: With up-to-date loan rates from multiple institutions, users can easily assess their options. This feature helps in making informed decisions quickly, which can ultimately lead to significant savings. Thousands of users trust LendMesh for loan comparisons. One satisfied member shared, "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials reflect the effectiveness and reliability of this tool in assisting people with their financial needs. Ready to find the best loan rates for your needs? Compare real-time loan offers today at LendMesh. *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.*

People First