Rt Credit Union Rome NY | Top Auto Loans & Business Banking

Introduction

Welcome to Rt, your trusted partner in financial well-being, located at 924 Turin St, Rome, NY 13440. Since our establishment in 1958, we have proudly served our community with a commitment to excellence and member satisfaction. With over 3,116 members counting on us, we are dedicated to providing personalized financial solutions tailored to your needs. At Rt, we understand that each member has unique goals and dreams. That's why we offer a range of services including checking and savings accounts, auto loans, mortgages, and more. Our total assets of $57,677,521 ensure that we have the resources to support you effectively. We manage $5,741,254 in deposits while maintaining a robust net worth of $6,527,602 a testament to our stability and reliability. Under the leadership of our CEO, Tracy Worden, and Board President, John Vero, our team of 14 dedicated employees is here to assist you every step of the way. Whether you're looking for financial advice or need assistance with a loan our knowledgeable staff is always ready to help. While members can visit us at our branch address for all your banking needs, official correspondence should be directed to the same address: 924 Turin St, Rome, NY 13440. Ready to take control of your financial future? Give us a call at (315) 336-7810, or explore more about what we offer by visiting our website at www.rtfcu.com. Your journey towards financial empowerment starts here!

Branch History & Mission

Join Us Today

As we look towards the future, we invite you to join the Rt family. Experience personalized service, robust financial options, and a community spirit that sets us apart from traditional banks. Together, let's build a brighter financial future for you and your loved ones. Visit us or give us a call at (315) 336-7810 to learn more about how we can help you achieve your goals!

Our Journey

From our humble beginnings, Rt has grown significantly, now boasting total assets of $57,677,521. This growth reflects not just our financial stability but also the trust placed in us by our members. As we navigate through the years, we've embraced innovation while maintaining a strong focus on personal relationships. We strive to meet the evolving needs of our members through modern banking solutions like online and mobile banking, ensuring accessibility for everyone.

Our Mission

Our mission is simple yet profound: to provide exceptional financial services while fostering a sense of community. We believe that everyone deserves access to quality financial products, whether it's personal banking, auto loans, or credit cards with rewards. But our commitment doesn't end there. We actively engage in community outreach programs and partnerships that uplift those around us, enhancing the lives of our members beyond just banking. While members can visit us at 924 Turin St Rome Ny 13440, official correspondence should be sent to 924 Turin St, Rome, NY 13440 if it's different. Our doors are open Monday through Friday from 9 AM to 5 PM, and we offer convenient ATM services and drive-thru banking for quick transactions.

Branch Location & Accessibility

Welcome to Rt, your friendly neighborhood credit union located conveniently at 924 Turin St Rome Ny 13440 in beautiful Rome, NY. We understand that banking should be easy and accessible, which is why our branch is strategically situated near popular landmarks, making it a breeze for you to stop by. Whether you're just running errands or planning a dedicated visit, finding us will be simple. At Rt, we pride ourselves on providing a welcoming environment for all members. Our location features ample parking, including spaces designed with accessibility in mind, ensuring that everyone can enter our branch comfortably. If you prefer to handle your banking from the comfort of your car, we offer drive-thru banking services for quick deposits and withdrawals. Our operating hours are designed to fit into your busy life. You can visit us Monday through Friday from 9 AM to 5 PM, giving you plenty of time throughout the week to take care of your financial needs. Should you have any questions or need assistance, don't hesitate to give us a call at (315) 336-7810 our friendly staff is here to help! For those who prefer using ATMs, we're pleased to inform you that we have ATM availability right on-site. This means you can easily access your funds whenever you need them, day or night. While members can visit us at 924 Turin St Rome Ny 13440, official correspondence should be sent to 924 Turin St, Rome, NY 13440. We look forward to welcoming you into our community and helping you with all your personal and business banking needs! Come by today or reach out we're excited to serve you!

Member Eligibility

Becoming a member of Rt is like stepping into a supportive community where your financial well-being is the priority. If you live, work, or attend school in Oneida County, you're already on the right track! Additionally, family members of existing members are also welcome to join us. This inclusive approach ensures that everyone can experience the personalized service and benefits we offer. For more details about eligibility, feel free to check out our website at http://www.rtfcu.com/about-us#membership-eligibility. Opening an account with us is straightforward and hassle-free. You can start the process by visiting our website at https://www.financial-net.com/rtfcu/lending/internetloans or give us a call at (315) 336-7810 if you have any questions. Our friendly team is here to assist you every step of the way! With convenient services and community-focused values, becoming a member at Rt means more than just banking; it's about being part of something bigger.

Business Banking & Commercial Services

Commercial Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, we offer essential merchant services designed to streamline your transactions. Picture this: a local café using our payment processing solutions that allow customers to pay quickly and securely, enhancing their experience while boosting sales. With easy-to-use tools at your fingertips, managing cash flow has never been simpler. Located at 924 Turin St Rome Ny 13440 in Rome, NY, our team is ready to assist you Monday through Friday from 9 AM to 5 PM. For more information or to get started on your business journey, call us at (315) 336-7810 or visit our website at https://www.rtfcu.com.

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about purchasing a new car? Our Auto Loans & Vehicle Financing services can help you hit the road in style. We offer competitive rates and flexible terms, making it easier for you to afford the vehicle you want. Whether it's a brand-new model or a reliable used car, we have financing solutions tailored just for you.

Business Banking

For our entrepreneurial members, we offer Business Banking services including merchant services and business loans. We understand that running a business requires financial support tailored specifically to your needs. Let us assist you in reaching new heights with customized banking solutions designed just for businesses like yours.

Convenient Banking Options

We know how important accessibility is for our members. That's why we provide various Online & Mobile Banking options, enabling you to manage your finances anytime, anywhere. You can also take advantage of our ATM services for cash withdrawals and balance checks without stepping into the branch. Additionally, if you prefer face-to-face interactions, enjoy the convenience of our Drive-Thru Banking, where simple transactions like deposits and withdrawals are quick and easy. At Rt, we're more than just a credit union; we're your partner in financial success. To learn more about how we can serve you better or if you're ready to open an account today, give us a call at (315) 336-7810 or visit us online at Main Office. Let's work together toward achieving your financial dreams!

Credit Cards with Rewards

Make the most out of your everyday purchases with our Credit Cards with Rewards program. Earn points on every dollar spent, which you can redeem for travel, merchandise, or cash back. It's a great way to get more value from your spending while enjoying the convenience of card payments.

Mortgage Loans & Refinancing

Owning a home is a significant milestone, and at Rt, we make it achievable through our Mortgage Loans & Refinancing options. If you're ready to buy your first home or looking to refinance an existing mortgage for better rates, our friendly team is here to guide you every step of the way.

Personal Banking

Whether you're looking to manage your day-to-day finances or save for the future, we offer Personal Banking options that include checking and savings accounts. Our accounts are designed to fit your lifestyle, allowing you to easily deposit funds, withdraw cash, and keep track of your spending. Imagine having the ability to check your balance and make transfers right from your smartphone using our online and mobile banking features.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way. Our Personal Loans & Debt Consolidation services provide quick access to funds when you need them most. Whether you're planning a big purchase or trying to consolidate debt into one manageable payment, we've got flexible loan options that can help lighten your financial load.

Digital & Online Banking

Key Services

With just a few clicks at https://www.rtfcu.com, you can enjoy the convenience of online banking. Our 24/7 online banking services allow you to check your balance, pay bills, and transfer money whenever it suits you. Plus, with our mobile application available for download, banking on-the-go has never been easier. Need to send money quickly? Our person-to-person transfer feature lets you send funds directly to friends or family without hassle. And if you prefer to go paperless, you'll be glad to know that e-statements are available, allowing you to keep track of your transactions without clutter.

Security and Accessibility

Your security is our top priority. Although we don't offer electronic signature authorization at this time, our systems are designed with robust protections to keep your information safe. You can bank with peace of mind knowing that we take every measure to protect your personal data. Whether you're using mobile payments or checking out features through our app, our services are designed to be accessible and straightforward. Enjoy real-time account management right from your smartphone or computer banking has never been more convenient! In summary, Rt is committed to providing a modern banking experience that prioritizes both convenience and security. Explore all our digital offerings today!

Financial Strength

Growing Member Base

Total Share and Deposit Accounts stand at 5,563, showing a strong and growing member base that trusts us with their finances. This trust reinforces our commitment to maintaining a secure environment for all your banking needs. 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 924 Turin St Rome Ny 13440 or call (315) 336-7810 to learn more about how we can help you achieve your financial goals.

Investment in Growth

With $6,527,130 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 $316 in used auto loans and $20,633,852 in total loans and leases.

Member-Centric Savings

Members' savings are secured through $7,039,299 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 $-$76,391 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 12 full-time employees and 2 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Strong Financial Health

With a net worth of $6,527,602, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 11.32% 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 Services

For business owners, while we currently do not offer outstanding commercial loans, we're always here to discuss potential future options as your business grows. Additionally, we can help you explore refinancing opportunities and eligibility options tailored specifically for you. Our dedicated team at Rt is here to assist you every step of the way. If you're ready to apply or want to learn more about our loan offerings, don't hesitate to contact us at (315) 336-7810, or visit us at our branch located at 924 Turin St Rome Ny 13440 in Rome, NY. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. We look forward to helping you achieve your financial dreams!

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $4,325,233 in used vehicle loans and $4,640,227 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new vehicle or purchasing a reliable used car, we have flexible options to suit your budget.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $1,982,679, make buying or refinancing simple. We provide personalized guidance to help you navigate the home-buying process smoothly.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $605,557 in loans helping members manage their finances effectively. These cards come with competitive interest rates and no annual fees, making them an ideal choice for those looking to consolidate debt or make everyday purchases easier.

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RT FEDERAL CREDIT UNION - Rome, NY

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