Saint Lawrence Canton NY Credit Union | Affordable Auto Loans & Business Banking

Introduction

Welcome to Saint Lawrence, your trusted partner in financial wellness, located at 33 Court St, Canton, NY 13617. Established in 1954, we have been dedicated to serving our community for decades, helping nearly 12,984 members achieve their financial goals. With total assets exceeding $247,822,672, we stand strong as a reliable credit union ready to support you with various services tailored to meet your needs. At Saint Lawrence, we believe that every member deserves exceptional service and personalized attention. Our experienced team of 56 employees, led by CEO Amber Taylor and Board President Douglas Loffler, is committed to creating a welcoming environment where you can feel confident in your banking decisions. Whether you're looking for checking accounts, auto loans, or business financing options, we are here to assist you every step of the way. While members can visit us at our branch location, official correspondence should be sent to the same address: 33 Court St, Canton, NY 13617. We understand the importance of community engagement and strive to make a positive impact through our various programs and initiatives. With total deposits of $9,670,476 and a net worth of $27,462,886, we prioritize your financial security and well-being. Our commitment extends beyond just numbers; it's about building lasting relationships with our members and supporting their aspirations. We invite you to explore all that Saint Lawrence has to offer. For any inquiries or assistance, please don't hesitate to call us at 315-379-9380. Let's work together towards achieving your financial dreams! Visit our website at stlawrfcu.com for more information or to get started on opening your account today!

Branch History & Mission

Welcome to Saint Lawrence, a proud part of the Canton community since 1954. Located at 33 Court St, Canton, NY 13617, our branch has a rich history that reflects our commitment to serving our members and the local area. Over the years, we have grown alongside our community, now boasting a membership of over 12,984 individuals who trust us with their financial needs. From humble beginnings, Saint Lawrence has evolved into a cornerstone of financial support for families and businesses alike. Our total assets now stand at an impressive $247,822,672, enabling us to offer a wide range of services tailored to meet diverse needs from personal banking and auto loans to mortgage refinancing and business loans. Our mission is simple yet powerful: we strive to provide exceptional financial services while fostering community growth and well-being. At Saint Lawrence, we believe that banking should be more than just transactions; it should be about building relationships. This philosophy drives our dedicated team, which is ready to assist you during our operating hours: Monday through Friday from 8:30 AM to 4:30 PM. We also offer convenient features such as ATM availability and drive-thru banking for those on the go. As part of our commitment to accessibility and innovation, we embrace digital advancements that make banking easier for everyone. Our online and mobile banking services allow members to manage their accounts anytime, anywhere. Plus, we prioritize ADA compliance to ensure all members can access our services without barriers. While members can visit us at 33 Court St Canton Ny 13617, official correspondence should be sent to 33 Court St, Canton, NY 13617. We are proud of our partnerships with local organizations that further enhance our outreach efforts in the community. Together, we create programs aimed at financial education and support for those in need. We invite you to join us on this journey. Experience the benefits of being part of a credit union that truly cares about its members and the community it serves. Whether you're looking for sound financial advice or just need assistance with your accounts, Saint Lawrence is here for you every step of the way. For more information or to become a member today, please call us at (315) 379-9380 or visit our website at Court Street. Join us at Saint Lawrence, where your financial success is our mission!

Branch Location & Accessibility

Welcome to the Saint Lawrence Credit Union, your friendly financial partner located at 33 Court St in the heart of Canton, NY. Our branch is nestled conveniently near local landmarks, making it easy for you to stop by while enjoying everything our vibrant community has to offer. Whether you're coming from the bustling downtown area or nearby parks, we're just a short drive away. At Saint Lawrence, we prioritize accessibility for all our members. Our branch features ADA-compliant entrances and ramps, ensuring that everyone can visit us with ease. Parking is available right outside, so you can quickly hop in and out without hassle. Our operating hours are designed to fit your busy schedule: we're open Monday through Friday from 8:30 AM to 4:30 PM. Feel free to drop by during these times or give us a call at 315-379-9380 if you have any questions before visiting. For those who prefer using ATMs, we have convenient ATM services available on-site. Plus, if you're looking for quick banking solutions, our drive-thru service allows you to handle deposits and withdrawals without leaving your car. And if you're a member of another credit union that participates in shared services, you'll be glad to know we offer basic shared transactions too! While members can visit us at 33 Court St, official correspondence should be sent to the same address for consistency. We invite you to explore all the personal and business banking options we provide from checking accounts and auto loans to mortgage refinancing and credit cards with rewards. We can't wait to meet you! Stop by or reach out today and discover how Saint Lawrence Credit Union can assist you on your financial journey.

Member Eligibility

Joining the Saint Lawrence family is a step towards becoming part of a close-knit community that prioritizes your financial well-being. At our branch located at 33 Court St Canton Ny 13617, we welcome individuals who live, work, worship, or attend school in Saint Lawrence County. This means that if you're connected to our vibrant community in any of these ways, you're eligible to become a member. Being part of Saint Lawrence not only gives you access to a wide range of financial services but also allows you to enjoy personalized support and competitive rates tailored to meet your needs. Becoming a member is easy! You can find more details about eligibility and the application process by visiting our website at http://www.stlawrfcu.com/membership . If you're ready to open an account, just head over to https://stlawrfcu.financialhost.org/user-enrollment for a straightforward online application. Should you have any questions or need assistance, don't hesitate to call us at (315) 379-9380 we're here to help you every step of the way!

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 $94 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $3 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $11,242,997, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services That Matter

Imagine having a reliable partner to help streamline your payment processes. Our merchant services offer exactly that allowing you to accept payments quickly and securely. Whether you run a bustling retail shop or a cozy café, our tools simplify transactions, making it easier for your customers to pay and enhancing their overall experience. Located at 33 Court St Canton Ny 13617 in Canton, NY, we invite you to visit us or give us a call at (315) 379-9380. Let's work together to unlock the full potential of your business!

Comprehensive List Of Services

ATM & Drive-Thru Services

For quick transactions, we have an ATM available for cash withdrawals and balance checks right at our location. Additionally, our drive-thru service offers basic banking functions like deposits and withdrawals without leaving your car perfect for those busy days!

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking platforms that allow you to manage your accounts anytime, anywhere. From checking balances to transferring money with ease through our person-to-person payment options, staying on top of your finances has never been easier.

Loans and Credit Solutions

Managing debt can be challenging, but with our personal loans and debt consolidation options, you can take control of your financial situation. Our credit cards with rewards not only give you purchasing power but also allow you to earn points on your everyday expenses. If you're a business owner, we have specialized services like merchant services and business loans to help grow your enterprise.

Personal Banking

Whether you're opening your first checking account or looking for a safe place to save for the future, our personal banking services are tailored just for you. We offer a variety of checking and savings accounts that fit different lifestyles and goals. If you're in the market for a vehicle, our auto loans and vehicle financing options make it easy to get behind the wheel without breaking the bank. We also provide mortgage loans and refinancing solutions for those ready to invest in their dream home.

Shared Branch Transactions

If you're traveling or simply away from home, worry not! Our shared branch transactions allow members of partner credit unions to perform basic activities such as deposits and withdrawals conveniently. At Saint Lawrence, we believe that comprehensive financial services should be accessible and member-focused. Whether you're looking for personal banking solutions or business support, we're here every step of the way. Visit us today or check out more about our offerings on our website. Let us help you achieve your financial dreams!

Digital & Online Banking

Accessing Your Accounts

With 24/7 online banking available at https://www.stlawrfcu.com/ , you can check your balance, pay bills, and transfer funds at the click of a button. Our user-friendly platform makes it simple to manage your finances without needing to visit the branch. Plus, with e-statements available, you can keep track of your transactions while reducing paper clutter.

Mobile Banking at Your Fingertips

For those on the go, our mobile application allows you to take your bank with you wherever you are. Whether you're making mobile payments or sending money through person-to-person transfers, everything is just a tap away. You can even set up notifications to stay updated on your account activity in real-time.

Security You Can Trust

We prioritize your security. While we don't offer electronic signature authorization at this time, our systems are designed to protect your information and ensure safe transactions every step of the way. Our mobile payments feature adds another layer of convenience, allowing you to make secure purchases directly from your smartphone. At Saint Lawrence, we're committed to providing accessible and reliable banking solutions tailored for our members. Join us today and experience how easy managing your finances can be!

Financial Strength

A Growing Member Base

We currently have a total of 28,866 share accounts, showcasing a strong and growing member base that trusts us with their finances. This trust allows us to maintain net shares (funds available for lending and investments) of $702,554, further supporting our community's financial needs. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Saint Lawrence is your trusted partner. Visit us at 33 Court St Canton Ny 13617 or call (315) 379-9380 to learn more about how we can help you achieve your financial goals.

Investment in Member Services

With $25,583,414 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our commitment is reflected in our lending capacity offering $1,310 in used auto loans and $176,996,152 in total loans and leases to support your financial goals across various sectors.

Operational Efficiency

Our operations reflect efficiency with a net income of $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 53 full-time employees and 3 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Secure Savings Opportunities

Members' savings are secured through $72,340,178 in share certificates and $9,025,863 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $18,563,345, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Strong Financial Health

With a net worth of $27,462,886, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,108 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 $19,345,833 in used vehicle loans and $20,664,967 in new vehicle loans already helping members get on the road. We cater to all types of vehicles, ensuring that you can find the right financing option for your next ride. If you're considering refinancing your current auto loan, we also provide competitive refinancing options that may lower your monthly payments.

Business Financing

For business owners, our outstanding commercial loans totaling $11,242,997 provide the capital needed to grow and expand. Whether you're looking to invest in new equipment or need working capital to sustain operations, our business loan specialists are ready to assist you.

Eligibility and Refinancing Options

If you're not sure which loan product suits your needs best, we encourage you to explore our eligibility options available at this link. Additionally, if you've taken out any loans before and are interested in refinancing for better rates or terms, ask us about our refinancing options that could save you money over time. At Saint Lawrence, we strive to create financial solutions that work for you. For more information about our loan offerings or to speak with one of our representatives directly, please call us at (315) 379-9380. Remember, performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $12,420,543, make buying or refinancing simple. We are committed to guiding you through every step of the mortgage process. Whether you're a first-time buyer or looking to refinance an existing mortgage, our team is here to help you navigate your options.

Unsecured Credit Cards

We also offer flexible terms on unsecured credit card loans, with a total of $1,315,752 in loans helping members manage their finances effectively. Our credit cards provide valuable benefits and rewards, making them a great choice for everyday purchases or unexpected expenses.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. This tool is designed to make your search for the right loan easier and more transparent. LendMesh ensures accurate loan comparisons by sourcing data 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 means that you receive fair and transparent offers every time you use the platform. One significant benefit of using LendMesh is its commitment to verified data. All loan offers come from legitimate financial institutions, which fosters trust and transparency in the comparison process. Moreover, LendMesh does not feature sponsored listings; lenders are not prioritized based on paid promotions. The goal is to provide unbiased results that help you make informed decisions. Additionally, LendMesh provides real-time rate comparisons. This feature allows users to view up-to-date loan rates from multiple institutions at once, ensuring that you have the most current information available when making your choice. Thousands of users trust LendMesh for their loan comparisons. One member shared their experience: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Testimonials like this highlight how effective and reliable the service can be. Compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

SAINT LAWRENCE FEDERAL CREDIT UNION - Canton, NY