Polish & Slavic Credit Union Ridgewood NY | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to the Ridgewood Branch of Polish & Slavic Credit Union, located at 6903 Fresh Pond Rd, Ridgewood, NY 11385. Since our establishment in 1976, we've proudly served our community with a commitment to financial strength and member satisfaction. With a total membership of over 121,826, we understand the importance of building lasting relationships and providing exceptional service tailored to your unique needs. At Polish & Slavic, we believe in empowering our members through smart financial solutions. Our total assets exceed an impressive $2.6 billion, showcasing our stability and ability to support you with a range of services, including personal banking, auto loans, mortgages, and business banking solutions. Currently, we manage over $58 million in deposits, reflecting the trust our members place in us. While you can visit us at our branch for all your banking needs, please note that official correspondence should be directed to the same address: 6903 Fresh Pond Rd, Ridgewood, NY 11385. We are here to guide you through your financial journey with dedicated staff led by our CEO, Bogdan Chmielewski, and Board President, Krzysztof Matyszczyk. Together, they steer our mission to serve our community effectively. Whether you're looking for competitive loan options or simply need assistance managing your finances, we invite you to reach out to us at (718) 417-5268. Our friendly team is ready to help you navigate your financial goals. Come visit us today or explore more about what we offer at www.psfcu.com. Your journey toward better banking starts here!

Branch History & Mission

The Polish & Slavic Credit Union has a rich legacy rooted in community service and financial empowerment. Established in 1976, our Ridgewood Branch, located at 6903 Fresh Pond Rd, Ridgewood, NY 11385, has been a cornerstone for local residents seeking reliable financial solutions. Over the years, we have grown to serve over 121,826 members and have amassed total assets of $2,597,707,967. Our journey began with a simple mission: to provide affordable financial services to the Polish and Slavic communities in New York. As we evolved, our commitment expanded to include all individuals and families in the area. We strive not only to meet the financial needs of our members but also to support their dreams and aspirations. At Polish & Slavic Credit Union, we believe in making banking accessible and user-friendly. Our operating hours cater to busy schedules: Monday from 9 AM to 7 PM, Tuesday through Friday from 12 PM to 7 PM, and Saturday from 9 AM to 2 PM. For those who prefer digital banking options, we offer online and mobile banking services that allow members to manage their finances conveniently. We pride ourselves on our customer-centric approach. Our mission emphasizes providing personalized services while fostering a sense of community. We are dedicated to supporting local initiatives and outreach programs that uplift those around us. While members can visit us at 6903 Fresh Pond Rd Ridgewood Ny 11385, official correspondence should be sent to 6903 Fresh Pond Rd, Ridgewood, NY 11385. We also understand the importance of convenience; that's why we provide ATM access for quick cash withdrawals and account inquiries. As we look toward the future, we remain committed to enhancing our services and expanding our reach within Ridgewood and beyond. Whether you're looking for personal banking solutions like checking accounts or auto loans, or business banking services including merchant services and business loans, we're here for you every step of the way. Join us at Polish & Slavic Credit Union and experience a friendly environment where your financial goals are our top priority. Together, let's build a brighter future for ourselves and our community! If you're interested in becoming a member or want more information about our offerings, please give us a call at (718) 417-5268 or visit our website at psfcu.com.

Branch Location & Accessibility

A Warm Invitation

We invite you to stop by and experience the welcoming atmosphere at Polish & Slavic Credit Union. Our dedicated staff is ready to assist you with all your financial needs. Come visit us today!

Nearby Landmarks and Accessibility

Our Ridgewood branch is just a stone's throw away from local favorites such as the picturesque Highland Park and vibrant shopping areas. With ample parking available right outside, visiting us is a breeze. We ensure that our facility meets ADA compliance standards, making banking accessible for everyone.

Operating Hours and Services

We're here for you during convenient hours: Monday from 9 AM to 7 PM, Tuesday through Friday from 12 PM to 7 PM, and Saturday from 9 AM to 2 PM. Whether you need personal banking services like checking and savings accounts or are interested in auto loans and mortgage refinancing, we have you covered. Plus, our ATM is available for quick cash withdrawals whenever you need it. While members can visit us at 6903 Fresh Pond Rd, official correspondence should be sent to the same address as our mailing address remains unchanged. If you have any questions or need assistance, feel free to give us a call at 718-417-5268.

Member Eligibility

At Polish & Slavic, we believe that becoming a member means joining a community that cares about you and your financial well-being. If you're looking to join us, the process is simple! To be eligible for membership, you typically need to be part of specific groups related to our mission, such as being a resident of certain areas or having family ties to existing members. This approach allows us to create a close-knit environment where everyone feels like family. You can find all the detailed criteria on our website at http://www.psfcu.com/banking/become-a-member. Once you know you're eligible, opening an account is just a few clicks away! We're here to help you every step of the way, making it easy and straightforward. If you have any questions or need assistance, don't hesitate to give us a call at (718) 417-5268. Join us at Polish & Slavic, located at 6903 Fresh Pond Rd Ridgewood Ny 11385, and experience the advantages of being part of our supportive financial community!

Business Banking & Commercial Services

Practical Merchant Services

In addition to loans, we offer merchant services that make transactions easier for businesses. Imagine seamlessly accepting payments from customers whether they prefer credit cards, mobile payments, or online transactions. This service not only simplifies your operations but also enhances customer satisfaction. Located at 6903 Fresh Pond Rd Ridgewood Ny 11385 in Ridgewood, NY, our dedicated team is here to help you navigate your financial journey. Contact us at (718) 417-5268 to discover how we can partner with you for success!

Tailored Business Loans

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.

Comprehensive List Of Services

Business Banking Solutions

For entrepreneurs and business owners, we offer tailored solutions through our business banking services. From merchant services that help streamline transactions to flexible business loans, we're committed to supporting local businesses in achieving their financial objectives.

Convenient Access

We also offer ATM services for quick cash withdrawals and balance checks. With our network of ATMs available at various locations, accessing your funds is convenient whenever you need it. If you're ready to take the next step towards better financial health or want more information about any of these services, don't hesitate to reach out! Give us a call at (718) 417-5268, or visit us at 6903 Fresh Pond Rd Ridgewood Ny 11385. Let's work together on your journey toward financial success!

Credit Options

Managing debt can sometimes feel overwhelming. That's where our personal loans and debt consolidation services come into play. We can assist you in creating a plan that simplifies your payments and helps reduce stress. Additionally, explore our credit cards with rewards, which not only offer convenience but also allow you to earn points on everyday purchases.

Digital Banking Features

In today's fast-paced world, having control over your finances anytime and anywhere is crucial. That's why at Ridgewood Branch, we proudly provide robust online and mobile banking features. With easy access to your accounts via our mobile application or website, managing your finances has never been simpler. You can pay bills, transfer funds, and even send money directly to friends with our person-to-person payment options.

Personal Banking Services

When it comes to personal banking, we offer various options designed for convenience and flexibility. Our checking and savings accounts allow you to manage your day-to-day finances with ease. Imagine having a safe place for your money that also offers competitive interest rates. Whether you're looking to start budgeting or save for a special purchase, our accounts can help you reach your financial goals. For those considering a new car or needing vehicle repairs, our auto loans and vehicle financing solutions are here for you. We understand that having reliable transportation is essential, so we strive to make financing straightforward and accessible. Plus, if you're thinking about buying a home, our mortgage loans and refinancing options could provide just the support you need.

Digital & Online Banking

Key Features

Our online banking services are available 24/7 at https://www.psfcu.com/, allowing you to check balances, pay bills, and transfer funds with just a few clicks. Whether you're at home or on the go, our mobile application makes it even easier to manage your finances directly from your smartphone. Need to send money quickly? Our person-to-person transfers feature lets you send funds to friends and family instantly, no matter where they are. Plus, if you're looking for convenience in payments, our mobile payments option allows you to make purchases with ease, right from your mobile device.

Security and Accessibility

We prioritize your security with robust measures in place so you can bank with peace of mind. Although we do not offer electronic signature authorization at this time, rest assured that all transactions are protected with the latest encryption technology. Additionally, our e-statements feature helps reduce paper clutter while keeping you informed about your account activity. At Polish & Slavic, we believe that managing your money should be straightforward and stress-free. Our digital banking options give you real-time access to your accounts, making it easier than ever to stay on top of your financial goals. Explore all these features today by visiting us online!

Financial Strength

Growing Member Base

Total Share and Deposit Accounts: 262,124, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $0. 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 6903 Fresh Pond Rd Ridgewood Ny 11385 or call (718) 417-5268 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings Options

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.

Operational Efficiency

Our $0 reflects our operational efficiency, enabling 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.

Reinvestment for Growth

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. Our lending capacity supports members' financial goals across various sectors with $4,293 in used auto loans and $1,541,136,429 in total loans and leases.

Solid Financial Foundation

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.

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. Whether it's a brand-new model or a reliable used car, we have financing options that work for you.

Business Loans

For business owners looking to expand or manage cash flow more effectively, our outstanding commercial loans total $252,668,464. These loans are designed to support various business needs and foster growth in the community. At Polish & Slavic Credit Union, we're dedicated to providing personalized service and competitive rates that fit your unique situation. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Whether you're considering an auto loan or exploring mortgage options, our team is ready to assist you every step of the way.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We provide loans for Junior Lien 1-4 Family Residential Properties totaling $31,074,682. If you're ready to take this step but are unsure about eligibility or refinancing options, our team is here to guide you through the process.

Unsecured Credit Card Loans

Managing finances effectively is essential for everyone. We also offer flexible terms on unsecured credit card loans, with a total of $46,110,117 in loans helping our members stay on track with their spending while enjoying benefits like rewards and cashback.

Loan Aggregator

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