Saint Lawrence Hermon NY Credit Union | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Saint Lawrence, your trusted financial partner in the heart of Hermon, NY! Located at 111 Church St, our credit union has been serving the community since 1954. With a commitment to putting our members first, we proudly support over 12,984 members with tailored financial solutions. At Saint Lawrence, we understand that your financial well-being is important. That's why we offer a range of services including personal banking, auto loans, mortgage options, and business banking. Our total assets stand strong at an impressive $247,822,672, ensuring we have the resources to meet your needs. With $9,670,476 in total deposits and over 7,905 loans and leases extended to our members, you can trust us to provide reliable support for all your financial goals. Our dedicated team of 56 employees, led by CEO Amber Taylor and Board President Douglas Loffler, is here to assist you every step of the way. Whether you're looking for advice on saving for a new home or need help managing your current loans, we're ready to help. We also ensure easy access through our online and mobile banking services, making it convenient for you to manage your finances anytime. While members can visit us at 111 Church St, official correspondence should be sent to our mailing address: PO Box 126, Hermon, NY 13652. We encourage you to reach out at (315) 393-3530 during our lobby hours from Monday to Friday between 8:30 am and 4:30 pm. Join us today and experience the difference with Saint Lawrence Credit Union where community comes first! For more information about membership or services, visit us at stlawrfcu.com. Your journey toward a brighter financial future starts here!

Branch History & Mission

Community Commitment

Our dedication extends beyond transactions. We actively engage with local organizations and initiatives aimed at uplifting our neighbors. Through partnerships and outreach efforts, we work hard to give back to Hermon and surrounding areas. Join us on this journey! Experience the benefits of becoming part of Saint Lawrence today. Whether you're looking for a loan or simply want more information about how we can help you achieve your dreams, feel free to reach out at 315-393-3530 or visit us online at www.stlawrfcu.com. We look forward to welcoming you into our family!

Our Journey

From our humble beginnings at 111 Church Street, just a stone's throw away from local landmarks like the Hermon Historical Society, we have continuously worked to meet the needs of our community. As we grew, so did our commitment to providing accessible financial services that empower our members. We've embraced advancements in technology while maintaining a personal touch ensuring that everyone who walks through our doors feels valued and heard. While members can visit us at 111 Church St Hermon Ny 13652, official correspondence should be sent to PO Box 126, Hermon, NY 13652. Our branch is open Monday through Friday from 8:30 AM to 4:30 PM, making it convenient for you to reach out for assistance or advice.

Our Mission

At Saint Lawrence, our mission goes beyond just banking; we aim to make a positive impact on every member's life. We believe in providing not only exceptional financial services like checking and savings accounts, auto loans, mortgage loans, and business banking but also fostering community support through outreach programs. We are dedicated to ensuring that our members have the resources they need to achieve their financial goals while contributing to the growth of Hermon. We take pride in being ADA compliant and accessible to all members of the community. With features like online banking and mobile payments available, we strive to ensure that managing your finances is as simple as possible. Moreover, we offer shared service center access for partner credit union members and an ATM for added convenience.

Branch Location & Accessibility

Contact Us

Have questions or need assistance? Don't hesitate to give us a call at 315-393-3530. We look forward to welcoming you to the Saint Lawrence Credit Union soon!

Nearby Landmarks and Accessibility

Our branch is close to local favorites and essential services, making it a convenient stop for anyone in the area. With ample parking available right outside the building and ADA-compliant features like ramps, we ensure that everyone can visit us comfortably.

Operating Hours

We invite you to drop by during our operating hours from Monday to Friday, between 8:30 AM and 4:30 PM. Our dedicated staff is ready to assist you with a variety of services designed to meet your personal and business banking needs.

Services Offered

At Saint Lawrence Credit Union, we offer a range of banking services including checking and savings accounts, auto loans, mortgage options, personal loans, credit cards with rewards, and business banking solutions. Plus, our shared service center allows members from partner credit unions to perform basic transactions like deposits and withdrawals. For those on the go, we also provide ATM access for cash withdrawals and balance checks. While we do not have drive-thru services at this location, our friendly staff is always ready to serve you inside.

Member Eligibility

At Saint Lawrence, we believe in creating a welcoming community where everyone can thrive. Becoming a member is simple and open to anyone who lives, works, worships, or attends school in our vibrant area. Whether you're looking for a place to save, borrow, or just get some friendly financial advice, our doors are wide open for you! To check the full eligibility criteria, feel free to visit us at http://www.stlawrfcu.com/membership . Joining us means gaining access to a variety of personalized services tailored to meet your needs. From checking and savings accounts to auto loans and credit cards with rewards, we've got you covered. Ready to take the next step? Opening an account is quick and easy just head over to https://stlawrfcu.financialhost.org/user-enrollment or give us a call at (315) 393-3530. We can't wait to welcome you into the Saint Lawrence family at 111 Church St Hermon Ny 13652!

Business Banking & Commercial Services

Merchant Services that Make Life Easier

In addition to loans, we offer merchant services that simplify daily operations. Imagine being able to process payments quickly and securely, allowing you to focus on what you do best running your business. From point-of-sale systems to online payment processing, our services ensure that your transactions are smooth and efficient. Located at 111 Church St Hermon Ny 13652 in Hermon, NY, we're here to help you thrive. Contact us at (315) 393-3530 or visit our website at https://www.stlawrfcu.com/ for more information about how we can assist your business today!

Tailored Loan Options for Growth

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.

Comprehensive List Of Services

Additional Financial Support

When unexpected expenses arise, our Personal Loans & Debt Consolidation services can provide the relief you need. With straightforward terms and quick access to funds, we aim to make borrowing as stress-free as possible. Don't forget about our Credit Cards with Rewards! These cards not only help you build credit but also earn rewards on everyday purchases perfect for anyone who loves cash back or travel points.

Business Banking Services

For our local entrepreneurs, we have robust Business Banking solutions, including Merchant Services and Business Loans. We know how hard you work for your business, and we're here to support you with the financial tools necessary for growth.

Convenient Access Anytime

We also prioritize convenience with our Online & Mobile Banking features. Whether you're at home or on the go, managing your finances has never been easier. Our ATM services allow you to withdraw cash and check balances without hassle. Additionally, if you're a member of another credit union, take advantage of our Basic Shared Branch Transactions, where you can make deposits and withdrawals as needed. If you're ready to explore these services further or have questions about how we can assist you in achieving your financial goals, don't hesitate to reach out! You can call us at (315) 393-3530 during our lobby hours from Monday to Friday between 8:30 AM and 4:30 PM. Visit us today at 111 Church St Hermon Ny 13652, and let's start working together toward a brighter financial future! For more information about what we offer or to get started with membership, head over to our website.

Personal Banking Solutions

Starting with personal banking, we offer both Checking and Savings Accounts that help you manage your finances easily. Imagine having access to your funds whenever you need them, whether it's through our online banking platform or via our user-friendly mobile app. You can conveniently check balances, pay bills, and transfer money right from your phone. For those looking to finance their dream vehicle, our Auto Loans & Vehicle Financing options are tailored just for you. We understand that buying a car is an important decision; that's why we strive to provide competitive rates and flexible terms that fit your budget. If home ownership is on your mind, consider our Mortgage Loans & Refinancing services. We can guide you through the process of purchasing your first home or refinancing an existing mortgage to help lower your monthly payments.

Digital & Online Banking

Key Features

You'll love the flexibility of our mobile application, which allows you to bank on the go. Whether you're shopping or enjoying a day out, our mobile payments feature makes it easy to make purchases directly from your phone. Plus, if you need to send money to friends or family quickly, our person-to-person transfers let you do just that without any hassle. For those who prefer going paperless, we offer e-statements for easy tracking of your transactions. You'll receive notifications when your statements are ready, keeping you organized and informed. And while we currently do not support electronic signature authorization, we're dedicated to ensuring all other aspects of our digital banking remain secure and straightforward. At Saint Lawrence, we prioritize security with every transaction. Our systems use robust security measures to keep your information safe while providing a smooth banking experience. So whether you're at home or out and about, managing your finances has never been easier. Join us in embracing a simpler way to bank with digital solutions tailored just for you! Explore more about our services today at https://www.stlawrfcu.com/ and enjoy the freedom of modern banking.

Financial Strength

Commitment to Growth

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 lending capacity is robust; we currently manage $1,310 in used auto loans and $176,996,152 in total loans and leases, supporting your financial goals across various sectors.

Growing Membership Base

Our total share accounts stand at 28,866, showing a strong and growing member base that trusts us with their finances. This trust drives us to enhance our offerings continually so that you can achieve your financial goals without worry. 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 111 Church St Hermon Ny 13652 or call (315) 393-3530 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.

Member-Centric Savings Options

Your savings are secure with us. We proudly hold $72,340,178 in share certificates and $9,025,863 in money market shares, which offer 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.

Operational Efficiency

Our operational efficiency is reflected in our $0, which enables 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.

Solid 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. Whether you're interested in financing a brand-new ride or a reliable used vehicle, we have options tailored for you.

Business Financing

For business owners, our outstanding commercial loans totaling $11,242,997 provide the capital needed to grow and expand. We know how vital it is for businesses to access funds quickly and easily. In addition to these offerings, we also provide refinancing options that can help lower your interest rates or adjust your payment terms to better suit your budget. Be sure to check out our eligibility requirements at our website. We invite you to visit us at our branch located at 111 Church St Hermon Ny 13652 in Hermon, NY, or give us a call at (315) 393-3530 for more information about any of our loan products. Let us help you take the next step towards achieving your financial dreams! 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 believe that securing your dream home should be accessible and straightforward.

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 $1,315,752 in loans helping members manage their finances effectively. These cards come with great benefits that fit various lifestyles.

Loan Aggregator

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SAINT LAWRENCE FEDERAL CREDIT UNION