Rt Credit Union Camden NY | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Rt, your trusted financial partner located at 13 S Park St, Camden, NY 13316. Since our establishment in 1958, we have been dedicated to serving our community and providing exceptional financial services tailored to meet the needs of our members. With a strong membership base of 3,025 and total assets amounting to an impressive $54,602,551, we pride ourselves on fostering a supportive environment that empowers individuals and businesses alike. At Rt, we believe in building lasting relationships with our members. Under the leadership of CEO Tracy Worden and Board President John Vero, we are committed to transparency and growth. Our robust offerings include personal banking solutions such as checking and savings accounts, auto loans, mortgage loans, and credit cards with rewards ensuring that you have access to the financial tools you need. While members can visit us at our branch for friendly assistance or transactions, please note that official correspondence should be sent to our mailing address at 924 Turin St., Rome, NY 13440. With 13 employees ready to assist you during our lobby hours Monday through Friday from 9 AM to 5 PM and Saturday from 9 AM to 12 PM we ensure that personalized service is always within reach. As a member-focused credit union, we have achieved remarkable milestones: total deposits stand at $4,124,137, with total loans and leases reaching 1,382. Our net worth is currently $6,705,781, reflecting our dedication to maintaining a solid foundation for your financial future. Additionally, we hold $663,879 in cash reserves to support our lending capabilities. We invite you to explore what Rt has to offer by visiting our website at www.rtfcu.com or calling us directly at 315-336-7810. Your financial success is our priority; let us help you achieve your goals today!

Branch History & Mission

Innovation Meets Accessibility

As part of our ongoing efforts to meet the needs of modern consumers, we have embraced digital advancements while ensuring all services are ADA compliant. Our members can enjoy online banking, mobile payments, and ATM access for convenient transactions anytime. For those who prefer face-to-face interactions, we also offer drive-thru banking services. With operating hours designed for your convenience Monday through Friday from 9 AM to 5 PM and Saturday from 9 AM to 12 PM we ensure you can reach us when you need us most. In conclusion, we invite you to join us at Rt. Experience firsthand the benefits of being part of a member-focused credit union that genuinely cares about your financial success and community welfare. Whether you're looking for reliable banking solutions or simply want to learn more about what we offer, feel free to give us a call at (315) 336-7810 or visit us today!

Our Mission

At the core of Rt is a mission focused on enhancing the financial well-being of our members. We believe that everyone deserves access to quality financial services that empower them to achieve their goals. Our team is here to provide support every step of the way, whether you're saving for your first home or seeking advice on managing debt. We are not just about transactions; we are about building relationships. Through partnerships and community outreach initiatives, we strive to give back and make a positive impact on the lives of those around us. Our commitment extends beyond banking; we aim to uplift our community by supporting local events and organizations.

Branch Location & Accessibility

Accessibility Features

At Rt, we prioritize accessibility for all our members. Our branch is equipped with ADA-compliant features, including ramps and accessible parking spaces, making it easier for everyone to access our services. Whether you're stopping by for a quick transaction or have more complex banking needs, we strive to make your visit comfortable and welcoming.

Operating Hours

We understand that life can get busy, so we offer flexible hours tailored to fit your schedule. Our lobby is open Monday through Friday from 9 AM to 5 PM and on Saturdays from 9 AM to 12 PM. This gives you plenty of opportunities to stop by when it's convenient for you.

Parking and Drive-Thru Banking

Parking is convenient with ample space available right outside our doors. If you're on the go, take advantage of our drive-thru banking service, which allows you to complete simple transactions from the comfort of your vehicle. It's just one of the many ways we aim to make banking easier for you!

Services Offered

At Rt, we provide a variety of services designed to meet your financial needs. From checking and savings accounts to auto loans and personal financing, we've got you covered. Plus, with ATM availability and online banking options, managing your finances has never been simpler. We invite you to come visit us at Rt! Whether you're looking for expert advice or just need assistance with a transaction, our friendly team is ready to help. Feel free to give us a call at (315) 336-7810 if you have any questions or need further information. We look forward to seeing you soon!

Member Eligibility

At Rt, we believe that becoming a member means joining a community where your financial well-being is our priority. If you're wondering whether you can join us, the good news is that many people in our area are eligible! Typically, membership is open to those who live, work, worship, or attend school in our local community. Additionally, if you have a family member who is already a member, you're welcome to join as well! This means that being part of Rt not only gives you access to our great financial products and services but also connects you with a supportive network. Opening an account with us is straightforward and welcoming. You can find all the detailed eligibility criteria by visiting http://www.rtfcu.com/about-us#membership-eligibility. If you're ready to take the next step or have questions about the process, don't hesitate to reach out at (315) 336-7810. We're here to help! You can also learn how to open an account by checking out https://www.financial-net.com/rtfcu/lending/internetloans. Join us at 13 S Park St Camden Ny 13316 and experience the benefits of being part of our vibrant community!

Business Banking & Commercial Services

Commercial Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. Whether you're looking to expand your operations or invest in new equipment, our commercial loans are designed to meet your needs. We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. Additionally, we support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions.

Merchant Services

Imagine the convenience of having a reliable partner for all your payment processing needs. Our merchant services streamline transactions, allowing you to focus on what you do best running your business. Whether it's in-person payments or online transactions, we provide tools that make managing finances easier. With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses right here in Camden, NY. Contact us today at (315) 336-7810 or visit us at 13 S Park St Camden Ny 13316 to learn more about how we can support your business journey!

Comprehensive List Of Services

Accessing Your Funds

We know that accessing cash quickly is crucial. Our ATM services are available for withdrawals and balance checks around the clock. If you prefer in-person service, our basic drive-thru banking allows for deposits and simple transactions without leaving your vehicle. At Rt, we're not just about numbers; we're about relationships. We strive to create a welcoming environment where each member feels valued and supported. To learn more about how we can assist you or to speak with one of our representatives directly, call us at (315) 336-7810 or visit us at Camden Drive-up Facility today! Your financial future starts here let's build it together!

Business Banking

For our business members, we offer tailored banking solutions like merchant services and business loans. Whether you're starting a new venture or looking to expand an existing one, we have resources that can help drive your business forward.

Credit Cards

Our credit cards come with rewards programs that allow you to earn points on purchases while enjoying the convenience of easy payments. This means every time you swipe your card, you're one step closer to rewards that can benefit you in everyday life.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we provide robust online and mobile banking features. With just a few clicks on your computer or taps on your phone, you can manage accounts, transfer money through person-to-person payments, check balances, and more whenever it suits you.

Mortgage and Loans

Owning a home is a significant milestone, and we're here to support you every step of the way with our mortgage loans and refinancing solutions. We work closely with you to find the right fit for your budget and goals. For those unexpected expenses or plans that require extra funds, consider our personal loans and debt consolidation services. They are designed to provide you with peace of mind during financially challenging times.

Personal Banking Solutions

We understand that managing your personal finances can sometimes feel overwhelming. That's why our personal banking services include checking and savings accounts tailored for your lifestyle. Whether you need a simple account for everyday transactions or a high-yield savings option, we've got you covered. If you're thinking about purchasing a new car or refinancing your current vehicle, explore our auto loans and vehicle financing options. With competitive rates and flexible terms, we strive to make the process as smooth as possible so you can hit the road without worry.

Digital & Online Banking

Key Features

One of the standout features is the ability to set up E-Statements, allowing you to receive your statements electronically. This not only helps reduce paper clutter but also keeps your information secure and easily accessible. And if you're ever in need of a quick transfer, our Person-to-Person Transfers feature allows you to send money directly to friends and family with just a few taps on your screen. For those who love using their smartphones, our Mobile Application is designed to offer all the functionalities you need at your fingertips. You can make Mobile Payments quickly and securely, ensuring you're never without access to your funds when you're out and about.

Security You Can Trust

Your safety is our top priority. While we currently do not offer Electronic Signature Authorization, rest assured that all transactions made through our platform are protected by advanced security measures. We work hard to ensure that your personal information remains confidential. In short, with Rt's digital and online banking services, managing your money has never been easier or more secure. Join us today and experience the convenience of modern banking!

Financial Strength

A Growing Community

Total Share Accounts: 5,387, 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, Rt is your trusted partner. Visit us at 13 S Park St Camden Ny 13316 or call (315) 336-7810 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.*

Commitment to Growth

With $6,704,821 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Additionally, with $351 in used auto loans and $22,323,727 in total loans and leases, our lending capacity supports members' financial goals across various sectors.

Member-Centric Savings

Members' savings are secured through $3,849,490 in share certificates, 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 operations reflect our commitment to efficiency, as shown by our $-$76,391. This enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 13 full-time employees and 0 part-time employees who are always ready to assist you with knowledgeable service.

Strong Financial Position

With a net worth of $6,705,781, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 12.28% 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 $4,900,111 in used vehicle loans and $5,333,873 in new vehicle loans already helping members get on the road. Whether you're considering a brand-new vehicle or a reliable used option, our team is here to assist you through every step of the process.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $1,928,486, make buying or refinancing simple. We provide personalized support to guide you through the application process and find a solution that fits your budget and lifestyle.

Unsecured Credit Card Loans

Managing day-to-day expenses can sometimes be challenging. That's why we also offer flexible terms on unsecured credit card loans, with a total of $651,281 in loans helping members manage their finances effectively. Our credit cards come with competitive rates and rewards that can benefit you while making everyday purchases.

Loan Aggregator

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RT FEDERAL CREDIT UNION - Camden, NY

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