People's Alliance Credit Union Miami FL | Best Auto Loans & Checking

Introduction

Welcome to People's Alliance, your trusted financial partner located at 5757 Waterford District Dr, Miami, FL 33126. Established in 1940, we take pride in serving our community with dedication and integrity. With a strong membership of 33,316 individuals, we're not just a credit union; we're a part of your family. At People's Alliance, we understand the importance of your hard-earned money. That's why we manage total assets exceeding $315 million and provide a range of financial services tailored to meet your needs. Our commitment is reflected in our robust deposit base of $40,403,324 and our ability to offer loans totaling 14,917 to help you achieve your dreams. Under the leadership of our CEO, Carol Allen, and Board President, Diane Goerz, we strive to create a welcoming environment where every member feels valued. Whether you are looking for personal banking options, auto loans, or business services, our dedicated team is here to assist you. While members can visit us at our branch location, official correspondence should be sent to our mailing address: 5757 Waterford District Dr, Ste 100, Miami, FL 33126-2035. We invite you to explore our website at pafcu.org for more information about our services or give us a call at 305-261-1255. Come see how we can make a positive impact on your financial journey!

Branch History & Mission

Welcome to People's Alliance, a credit union that has proudly served the community since 1940. Located at 5757 Waterford District Dr in Miami, FL, we have dedicated ourselves to providing accessible financial services that empower our members and uplift our community. Over the years, People's Alliance has grown significantly. From our humble beginnings, we now support over 33,000 members and manage total assets of approximately $315 million. Our journey reflects our commitment to providing quality service and building lasting relationships with our members. As we evolved, we embraced modern banking technologies while ensuring that personal connections remain at the heart of what we do. Our mission is simple yet impactful: to enhance the financial well-being of our members and contribute positively to our community. We believe in offering not just financial products but also educational resources that help individuals and families make informed decisions about their finances. Whether you're looking for checking and savings accounts, auto loans, or mortgage refinancing options, we're here to guide you every step of the way. While members can visit us at our branch address, official correspondence should be sent to 5757 Waterford District Dr, Ste 100, Miami, FL 33126-2035. Our doors are open during convenient hours Monday through Tuesday and Thursday from 8:30 AM to 4:00 PM, Friday from 8:30 AM to 6:00 PM, and Saturday from 8:30 AM to 2:00 PM making it easy for you to connect with us. At People's Alliance, we understand the importance of accessibility. That's why we offer ATM services for your convenience. While we currently do not have a drive-thru or shared service center available, we prioritize digital advancements such as online banking and mobile applications so that you can manage your finances anytime, anywhere. Community support is fundamental to our mission. We engage in various outreach programs aimed at enhancing local initiatives and fostering strong ties with those around us. By choosing People's Alliance, you're not just becoming a member; you're joining a family dedicated to making a difference. We invite you to experience the benefits of membership at People's Alliance today! Join us on this journey towards better financial health and community involvement. For more information or to open an account, please visit our website here or call us at (305) 261-1255. Your future starts here!

Branch Location & Accessibility

Banking Services at Your Fingertips

Our branch offers a variety of services tailored to meet your financial needs from checking and savings accounts to auto loans and credit cards with rewards. With ATM availability right here on-site, you can easily access your funds any time of day. While we do not have drive-thru banking or shared service centers at this location, our dedicated team is always ready to assist you directly.

Convenient Access and Features

At our branch, we prioritize your comfort and accessibility. We offer ample parking right outside our doors, and our facility is designed to be ADA compliant, featuring ramps and other accessibility options to ensure everyone can enjoy our services without hassle. While members can visit us at 5757 Waterford District Dr, official correspondence should be sent to the same address for convenience.

Get in Touch!

We invite you to visit us soon or give us a call at 305-261-1255 if you have any questions about how we can assist you. At People's Alliance, we're committed to helping you achieve your financial goals in a welcoming environment. Come see what makes banking with us special!

Operating Hours That Fit Your Schedule

We know that life can get busy, so we've made it easy for you to bank with us. Our lobby hours are Monday, Tuesday, and Thursday from 8:30 AM to 4:00 PM; Friday from 8:30 AM to 6:00 PM; and Saturday from 8:30 AM to 2:00 PM. Whether you need assistance with personal banking, auto loans, or setting up online services, our friendly staff is here during these hours to help you.

Member Eligibility

At People's Alliance, we believe in building a community where everyone feels welcome and supported. Becoming a member is simple and open to those who live, work, or worship in certain areas, along with their family members. This means if you're part of our vibrant Miami community at 5757 Waterford District Dr, Miami, FL 33126, you can easily join us! We're here to help you navigate the membership process and enjoy the perks that come with it, including competitive rates on loans and personalized service. If you want to learn more about eligibility requirements, we invite you to check out the details at this link. Opening an account is just as easy! You can start your journey towards financial empowerment by visiting us or accessing the account opening information online here. If you have any questions or need assistance, don't hesitate to call us at 305-261-1255. We look forward to welcoming you into our People's Alliance family!

Business Banking & Commercial Services

Commercial Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. While we currently have no specific figures for member and non-member commercial loans, we are focused on offering flexible financing options to meet diverse needs. We believe every entrepreneur deserves the chance to thrive, and our team is ready to help navigate your financial journey.

Merchant Services That Work for You

In addition to loans, we offer comprehensive merchant services designed to simplify your payment processes. Imagine being able to accept payments seamlessly from customers whether they're paying in-store or online. Our services help you manage transactions efficiently, ensuring you can focus more on what matters most: growing your business. For personalized assistance or to learn more about how we can support your business endeavors, contact us at 305-261-1255 or visit us today!

Comprehensive List Of Services

Accessibility

Our branch may not have drive-thru service, but we do have an ATM available for basic functions like withdrawals and balance checks. You can always reach us at 305-261-1255 if you have questions or need assistance navigating our services. We invite you to explore all that People's Alliance has to offer as we strive to be more than just a credit union; we want to be your partner in financial success. Whether you're interested in opening an account or learning more about our loan options, visit us today or check out our website at www.pafcu.org for more information. Your financial journey starts here let's take the next step together!

Business Banking

For our entrepreneurial members, we understand that running a business requires special attention. That's why we offer comprehensive Business Banking services, including merchant services and business loans designed to help you thrive in a competitive market.

Digital Convenience

In today's fast-paced world, convenience matters. At People's Alliance, we make managing your finances easier with our Online & Mobile Banking features. Check your balances, transfer funds, or pay bills from anywhere at any time it's all just a few clicks away! We also offer ATM & Cash Withdrawal Services for when you prefer cash in hand.

Financial Solutions

Life can bring unexpected expenses, which is why having a safety net is crucial. Our Personal Loans & Debt Consolidation services provide the financial support you need when unexpected bills arise. Additionally, if you enjoy rewarding your spending habits, check out our Credit Cards with Rewards that offer benefits every time you use them.

Personal Banking

Whether you are looking to open a checking account for daily transactions or a savings account for future goals, we have you covered. Our personal banking services include various options that fit your lifestyle. If you're considering purchasing a new vehicle, our Auto Loans & Vehicle Financing can help turn your dream into reality with competitive rates and flexible terms. For those looking to buy a home or refinance an existing mortgage, our Mortgage Loans & Refinancing options make it simple and straightforward.

Digital & Online Banking

Key Features of Our Digital Banking Services

With our online banking services, managing your finances has never been easier. You can check your account balances, transfer money between accounts, and even set up person-to-person payments with just a few clicks. No more waiting in line your bank is right at your fingertips! If you're looking to go paperless, we offer e-statements that are not only eco-friendly but also allow you to view your account activity whenever you need it. You'll appreciate how easy it is to keep track of your transactions without cluttering your mailbox. For those who prefer mobile banking, our user-friendly mobile application is available for download. With it, you can make payments, deposit checks remotely, and manage your finances from anywhere. Unfortunately, mobile payments are not currently available, but we're always working on improvements to serve you better.

Security and Accessibility

Your security is our top priority. Our online banking system is equipped with robust security measures to protect your personal information while providing a hassle-free experience. You can rest assured that your data is safe as you navigate through various banking tasks. Even if you're busy during regular hours, our online services mean you can access everything you need whenever it suits you. From setting up automatic transfers to accessing account statements, managing your money has never been more straightforward. At People's Alliance, we're committed to enhancing your banking experience with features that prioritize both convenience and security. Explore all these offerings today by visiting https://www.pafcu.org/ !

Financial Strength

Growing Membership Base

We proudly serve 59,958 total share accounts, showcasing 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's Alliance is your trusted partner. Visit us at 5757 Waterford District Dr Miami Fl 33126 or call 305-261-1255 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

Members' savings are secured through $64,486,893 in share certificates and $27,239,090 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 in our current net income of $0, enabling us to continue offering competitive loan rates and solid financial products for our members. Additionally, we have 74 full-time employees and 7 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team.

Reinvestment for Your Benefit

With $33,328,513 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. This dedication allows us to support various sectors with $179,359,509 in total loans and leases, including $34,064 in used auto loans.

Strong Financial Health

With a net worth of $33,784,113, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 10.71% 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

Additional Lending Options

In addition to our core offerings, we provide personal loans for various needs and other credit lines totaling $10,000,000. If you're considering refinancing your existing loans or exploring eligibility options for our products, our team is here to assist you every step of the way. At People's Alliance located at 5757 Waterford District Dr Miami Fl 33126, we're dedicated to supporting our community's financial well-being. For more information about our loan products or to start your application process today, please call us at 305-261-1255 or visit our website at pafcu.org. *Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.*

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $34,856,491 in used vehicle loans and $8,237,659 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new vehicle or a reliable used car, we have flexible options that can fit your budget.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $8,288,899, make buying or refinancing simple. We strive to make the home-buying process as straightforward as possible with competitive rates and personalized service.

Unsecured Credit Card Loans

Managing your finances can be challenging at times. That's why we also offer flexible terms on unsecured credit card loans, with a total of $15,018,010 in loans helping members manage their finances effectively. These credit cards come with no collateral required and can be an excellent tool for managing unexpected expenses or consolidating debt.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring Accurate 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 ensures that the offers presented are fair and transparent. By working with verified institutions, LendMesh provides a reliable platform for comparing loans without hidden agendas.

PEOPLE'S ALLIANCE FEDERAL CREDIT UNION