Polish & Slavic Credit Union Clifton NJ | Low Mortgage Rates & Top Checking Accounts

Introduction

Welcome to Polish & Slavic at our Clifton Branch, located at 990 Clifton Ave, Clifton, NJ 07013. Since our establishment in 1976, we have proudly served our vibrant community with a strong commitment to helping our members thrive financially. With over 121,826 members, we understand the importance of trust and reliability in your financial journey. At Polish & Slavic, we're not just a credit union; we're a part of your community. Our total assets stand at an impressive $2,597,707,967, reflecting our dedication to providing robust financial solutions tailored to your needs. We offer a range of services including personal banking, auto loans, mortgages, and business banking solutions designed to empower you every step of the way. Our team is led by CEO Bogdan Chmielewski and Board President Krzysztof Matyszczyk, both dedicated to ensuring that your experience with us is exceptional. With a total of 374 employees, we are here to assist you with personalized service and support. While members can visit us at our branch location, official correspondence should be sent to the same address: 990 Clifton Ave, Clifton, NJ 7013. Our commitment extends beyond financial numbers; it's about making a difference in the lives of our members. With total deposits amounting to $58,976,537 and cash reserves of $17,136,470, we are well-positioned to support your financial aspirations. Ready to take the next step? Whether you're looking for loans or need assistance with your accounts, feel free to give us a call at 973-472-4404 or visit our website at www.psfcu.com. Join us in fostering a brighter financial future together!

Branch History & Mission

Join Us!

As we look forward to the future, we invite you to become part of our family at Polish & Slavic. Experience firsthand the benefits of membership with us. Whether you're looking for personal banking solutions or support in achieving your financial goals, we're here for you every step of the way. For any official correspondence, please use our mailing address at 990 Clifton Ave, Clifton, NJ 7013. Feel free to reach out by phone at 973-472-4404 if you have any questions or need assistance. Join us today and discover what it means to be part of a community-focused credit union! Visit our website or check out how you can become a member here.

Our Evolution

Since our inception, Polish & Slavic has seen remarkable growth. With a total membership exceeding 121,826, we have become more than just a credit union; we are a community hub where members can find not only banking services but also support and guidance. Our assets have reached an impressive $2,597,707,967, reflecting our stability and dedication to providing exceptional service. Over the years, we have adapted to the changing needs of our members by introducing innovative services such as online and mobile banking. We strive to make banking easier and more accessible for everyone, offering features like ATM availability and personal banking options that include checking accounts, auto loans, mortgages, and more.

Our Mission

At the heart of Polish & Slavic is our mission to empower our members financially while fostering community spirit. We aim to provide high-quality financial products that are tailored to meet diverse needs while ensuring that every member feels valued and supported. We believe in giving back to the community through various outreach efforts and partnerships that enhance the lives of those around us. Our operating hours are designed with you in mind open Monday through Friday from 11:00 AM to 7:00 PM and Saturday from 9:00 AM to 2:00 PM making it convenient for you to visit us. Although we do not currently offer drive-thru service or shared service centers, we ensure that our lobby remains a welcoming place for all.

Branch Location & Accessibility

Call Us or Visit Today!

If you have any questions or would like more information about our services, don't hesitate to call us at 973-472-4404. Our friendly staff is eager to assist you! We invite you to visit us at the Polish & Slavic Credit Union's Clifton Branch where your financial well-being is our priority.

Nearby Landmarks and Accessibility

Our branch is situated near several local landmarks, making it easy to find us while you run errands or visit nearby shops. We understand the importance of accessibility, so we've ensured that our location meets ADA compliance standards. You'll find parking available right outside, with convenient ramps for easy access to our facilities.

Operating Hours and Services

We pride ourselves on being available when you need us. Our lobby hours are Monday through Friday from 11:00 AM to 7:00 PM and Saturday from 9:00 AM to 2:00 PM. This schedule allows you to fit your banking needs into your busy day. At our Clifton Branch, you can take advantage of personal banking services like checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and more.

Member Eligibility

At Polish & Slavic, we believe that everyone deserves a chance to be part of a supportive community, and joining us is simple! If you live, work, or worship in our service area, you're likely eligible for membership. We welcome individuals from various backgrounds and professions, so whether you're just starting out or looking to grow your financial future, there's a place for you here. Becoming a member not only gives you access to our wide range of financial services but also opens the door to a wealth of benefits designed with your needs in mind. You can check all the specific eligibility criteria on our website at http://www.psfcu.com/banking/become-a-member. Ready to take the next step? Opening an account at Polish & Slavic is straightforward. Just visit us at our location on 990 Clifton Ave Clifton Nj 07013, or give us a call at (973) 472-4404 for more information about the process. We're excited to help you become part of our family! For detailed instructions on how to open your account online, visit https://psfcu.bd.digitals.dmattercloud.com/.

Business Banking & Commercial Services

Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $424 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $8 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $252,668,464, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, we offer comprehensive merchant services designed to simplify everyday operations. Imagine accepting payments seamlessly from your customers, whether they prefer credit cards, mobile payments, or online transactions. Our tools make it easy for you to focus on what really matters growing your business. Located at 990 Clifton Ave Clifton Nj 07013 in Clifton, NJ, we're here to provide the financial support you need. Contact us at (973) 472-4404 or visit us during our hours of operation to learn more about how we can partner with you on your business journey!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need cash quickly? Our convenient ATM services allow for hassle-free withdrawals and balance checks anytime you need them. With multiple locations available, getting cash has never been easier. At Polish & Slavic, we prioritize your financial well-being by making banking accessible and straightforward. Explore all that we have to offer by visiting us or calling us at (973) 472-4404. Experience personalized service from a team that truly cares about its members' success. Ready to take the next step? Visit our website at https://www.psfcu.com/ today!

Auto Loans & Vehicle Financing

Thinking about purchasing a new car? Our auto loans and vehicle financing options are tailored to help you hit the road without breaking the bank. With competitive rates and flexible terms, you can drive away in the car of your dreams while staying within budget.

Business Banking

For entrepreneurs and small business owners, our business banking services are designed to support growth. From merchant services that make transactions easier for your customers to accessible business loans, we're here to help your business thrive.

Credit Cards with Rewards

Don't miss out on perks! Our credit cards with rewards allow you to earn points on everyday purchases. Use these rewards for travel, shopping, or dining out it's like getting paid to spend!

Mortgage Loans & Refinancing

Homeownership is one of life's biggest milestones, and at Polish & Slavic, we want to make it achievable for everyone. Our mortgage loans and refinancing services provide you with the means to secure a home or lower your current mortgage rate. Imagine having more disposable income each month because of a better rate it's possible with our dedicated team.

Personal Banking

Managing your day-to-day finances is made simple with our personal banking options. We offer checking and savings accounts that fit your lifestyle, helping you keep track of your money effortlessly. Imagine easily transferring funds or checking your balance from anywhere through our online and mobile banking platforms. You can even use mobile payments for convenient transactions on the go.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way, but our personal loans and debt consolidation options can help lighten the load. Whether it's for medical bills or home repairs, these loans provide quick access to cash when you need it most. Plus, consolidating debt can simplify payments and potentially lower interest rates.

Digital & Online Banking

E-Statements and Mobile Features

Say goodbye to paper clutter with our E-Statements Availability! Enjoy the benefits of receiving your account statements electronically, making it simple to keep track of your finances while also being environmentally friendly. Plus, if you're always on the move, you'll love our Mobile Application. It's user-friendly and packed with features like Mobile Payments, allowing you to make quick transactions directly from your phone. And don't worry about sending money to friends or family; our Person-to-Person Transfers feature makes it easy to send funds securely without any hassle.

Security You Can Trust

Your security is our top priority. While we do not currently support Electronic Signature Authorization, we ensure that all transactions are protected with robust security measures. You can manage your accounts with peace of mind knowing that we've got you covered. With all these features combined, Polish & Slavic empowers you to take control of your banking experience in a way that suits you best. Join us today and discover how easy banking can be!

Financial Strength

At Polish & Slavic, 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 dedicated to maintaining a robust financial foundation, ensuring that your funds are secure and your financial needs are met. With a net worth of $274,172,796, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,055 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 $452,388,269 in share certificates and $13,419,870 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 $272,608,346 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Additionally, with $4,293 in used auto loans and $1,541,136,429 in total loans and leases, our lending capacity supports members' financial goals across various sectors. Our commitment to operational efficiency is reflected in our $0. This efficiency enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 357 full-time employees and 17 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. With total share accounts at 262,124, we have built a strong community 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, Polish & Slavic is your trusted partner. Visit us at 990 Clifton Ave Clifton Nj 07013 or call (973) 472-4404 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 $81,887,754 in used vehicle loans and $99,928,581 in new vehicle loans already helping members get on the road. We provide flexible financing options for both new and used vehicles, ensuring you can find the perfect loan that fits your budget.

Business Financing

For business owners, our outstanding commercial loans totaling $252,668,464 provide the capital needed to grow and expand. We understand the unique needs of small businesses and are committed to helping you secure financing that works for your operations.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $31,074,682, make buying or refinancing simple. Whether you're purchasing your first home or looking to refinance an existing mortgage, our team is here to guide you through each step of the process.

Refinancing Options

If you're considering refinancing any existing loans, our team can help you explore eligibility options that may lead to better rates and terms. It's always worth checking if there's an opportunity for savings! You can reach us at (973) 472-4404 or visit us at 990 Clifton Ave Clifton Nj 07013, Clifton, NJ for more information about our loan offerings. 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 take the next step toward achieving your financial aspirations!

Unsecured Credit Card Loans

Managing everyday expenses can sometimes be challenging. We also offer flexible terms on unsecured credit card loans, with a total of $46,110,117 in loans helping members manage their finances effectively. This option provides you with the purchasing power you need without requiring collateral.

Loan Aggregator

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Polish Slavic