Saint Lawrence Heuvelton NY Credit Union | Best Auto Loans & Business Banking

Introduction

Welcome to Saint Lawrence, your trusted partner in financial growth and community support. Located at 81 State St, Heuvelton, NY 13654, we have proudly served our members since our establishment in 1954. With a focus on personal banking, auto loans, mortgages, and business services, we are dedicated to providing top-notch financial solutions tailored to meet your needs. At Saint Lawrence, our commitment to our members is evident. With a robust membership of 12,984 and total assets amounting to an impressive $247,822,672, we strive to create a nurturing environment for everyone in our community. Our total deposits stand at $9,670,476, which reflects the trust our members place in us. Furthermore, we have extended over 7,905 loans and leases to help families and businesses thrive. Our team is led by the experienced Amber Taylor, CEO, alongside Board President Douglas Loffler, ensuring that every decision made aligns with our members' best interests. We take pride in having a dedicated staff of 56 employees, all working diligently to provide exceptional service. While you can visit us directly at our branch location, please note that official correspondence should be sent to our mailing address at PO Box 315, Heuvelton, NY 13654. With access to online banking and mobile payment options, managing your finances has never been easier. Whether you're looking for a new vehicle loan or planning for retirement, we invite you to explore the variety of services we offer. We encourage you to reach out with any questions or visit us during our operating hours from 8:30 AM to 4:30 PM on weekdays. Call us today at 315-393-3530 or check out more about us on our website: www.stlawrfcu.com. Together, let's build a brighter financial future!

Branch History & Mission

Welcome to the vibrant community of Saint Lawrence, where our credit union has proudly served members since 1954. Located at 81 State St, Heuvelton, NY 13654, this branch has become a cornerstone of financial support for nearly 12,984 members. Over the years, we have witnessed growth not just in numbers but in the relationships we've built and the lives we've touched. From our humble beginnings, Saint Lawrence Credit Union has been dedicated to empowering individuals and families with reliable financial services. We are proud to manage assets totaling over $247,822,672, which reflects our commitment to sound financial practices and responsible lending. Our mission is simple yet profound: to provide accessible banking solutions while fostering a sense of community. We believe that when our members thrive, so does our community. Our operating hours are convenient for you: Monday through Friday from 8:30 AM to 4:30 PM. Whether you prefer visiting us in person or using our online services, we ensure your banking experience is smooth and supportive. Our branch features a drive-thru service for easy transactions and an ATM for quick cash access. Additionally, we offer shared services with other partner credit unions, making it easier for you to manage your finances wherever you are. While members can visit us at 81 State St, official correspondence should be sent to PO Box 315, Heuvelton, NY 13654. This allows us to keep everything organized and efficient for our valued members. We pride ourselves on being more than just a financial institution; we are a part of the fabric of Heuvelton. Our partnerships with local organizations help us give back through various outreach programs and initiatives aimed at improving the quality of life in our community. From supporting local schools to participating in charity events, we are committed to making a difference. As we look forward to future growth and innovation, we remain steadfast in our dedication to meeting the needs of our members through personalized service and cutting-edge technology. If you're looking for a credit union that values its community and prioritizes your financial health, consider joining us at Saint Lawrence Credit Union today! Experience the benefits of membership firsthand your journey towards financial empowerment starts here! For more information about becoming a member or opening an account with us, please visit our website or call us at 315-393-3530. We can't wait to welcome you into our family!

Branch Location & Accessibility

Connect With Us

We invite you to experience the warm welcome at Saint Lawrence Credit Union. Whether you're looking for advice on loans or simply want to explore what we offer, we're here for you. Visit us today or check out our website at stlawrfcu.com for more information. We look forward to serving you!

Getting Here

At Saint Lawrence, we value accessibility. Our location features convenient parking options to make your visit hassle-free. The branch is equipped with ADA-compliant facilities to ensure everyone can access our services comfortably. If you're on the go, our drive-thru service allows you to complete simple transactions without having to leave your vehicle.

Operating Hours

We're open Monday through Friday from 8:30 AM to 4:30 PM, providing ample time for you to come in and speak with our friendly staff about any questions or services you may need. If you need to reach us directly, feel free to call us at 315-393-3530. While members can visit us at 81 State St for all their banking needs, official correspondence should be sent to PO Box 315, Heuvelton, NY 13654.

Services Offered

When you visit us, you'll find a wide range of personal banking services designed to meet your financial needs. From checking and savings accounts to auto loans and mortgage refinancing, we're here to help you every step of the way. Plus, our ATM is available around the clock for quick cash withdrawals and balance checks.

Member Eligibility

At Saint Lawrence, we believe that everyone deserves a chance to thrive, which is why we welcome all who meet our membership criteria into our close-knit community. To become a member of Saint Lawrence, you simply need to live, work, worship, or attend school in Saint Lawrence County. It's as easy as that! Once you're part of our family, you'll enjoy personalized banking services designed with your needs in mind, from checking and savings accounts to loans and financial advice tailored just for you. Ready to get started? You can find more details about eligibility on our website at http://www.stlawrfcu.com/membership . When you're ready to open your account, visit us online at https://stlawrfcu.financialhost.org/user-enrollment or give us a call at (315) 393-3530. We're located at 81 State St Heuvelton Ny 13654, and we can't wait to help you take this important step toward financial empowerment!

Business Banking & Commercial Services

Lending Solutions 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.

Merchant Services That Make Life Easier

Imagine being able to accept payments quickly and securely from your customers, no matter where you are. Our merchant services offer practical solutions like mobile payment processing, online invoicing, and point-of-sale systems that keep transactions smooth. This means less time worrying about payments and more time focusing on what you do best running your business. Located at 81 State St Heuvelton Ny 13654, Heuvelton, NY 13654, we're just a call away at (315) 393-3530. Let's work together to turn your vision into reality!

Comprehensive List Of Services

Business Banking Made Easy

For entrepreneurs and small business owners, our Business Banking services include merchant services and business loans designed to support your growth ambitions. We aim to simplify your banking experience so that you can focus on what matters: running your business effectively.

Convenient Access to Services

At Saint Lawrence, we also provide essential banking features such as basic drive-thru banking for quick deposits and withdrawals. If you're a member of a partner credit union, enjoy the convenience of basic shared branch transactions for deposits and withdrawals. With all these options at your fingertips, managing your finances has never been easier! You can stay connected with us through online platforms or visit us directly during our lobby hours from 8:30 am - 4:30 pm on weekdays.

Financial Assistance When You Need It

We understand that life can throw curveballs. That's why we offer Personal Loans & Debt Consolidation options to help you manage unexpected expenses or consolidate debt into manageable payments. Plus, with our credit cards featuring rewards programs, you can earn while you spend!

Join Us Today!

Ready to explore what we can do for you? Call us at 315-393-3530 or visit our website at stlawrfcu.com for more details on how to become a member and start benefiting from all our services today! Your financial future is brighter with Saint Lawrence by your side.

Personal Banking Solutions

For individuals looking to manage their finances effectively, our Personal Banking options include checking and savings accounts tailored to fit different lifestyles. Imagine effortlessly transferring funds between accounts using our Online & Mobile Banking services, available anytime and anywhere. You can also take advantage of our ATM & Cash Withdrawal Services, ensuring that you have easy access to your money when you need it most.

Vehicle Financing and More

If you're considering purchasing a new vehicle, our Auto Loans & Vehicle Financing offer competitive rates to help you drive away in your dream car without breaking the bank. For those looking at longer-term investments like buying a home, our Mortgage Loans & Refinancing services provide flexible terms and personalized assistance to make the process smoother.

Digital & Online Banking

Key Features

Our online banking service provides 24/7 access to your accounts, allowing you to check balances, pay bills, and transfer funds with just a few clicks. Need to send money to a friend? Our person-to-person transfer feature makes it simple and quick. You can also enjoy the convenience of mobile payments, so you can pay for purchases right from your phone.

Mobile Application

For those always on the go, our mobile application is here to help. It offers all the functionalities of online banking right in the palm of your hand. Whether you're looking to deposit checks or monitor transactions while out and about, our app keeps you connected. In today's fast-paced world, having the ability to manage your finances digitally is essential. At Saint Lawrence, we are committed to providing accessible, easy-to-use tools that enhance your banking experience while ensuring safety at every step. Experience the future of banking with us!

Security and Convenience

We take your security seriously. Although we do not offer electronic signature authorization at this time, our systems are designed with robust security measures to protect your information. Plus, if you prefer going paperless, our e-statements are readily available for easy access to your transaction history without cluttering your inbox.

Financial Strength

Committed Workforce

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. The total number of share accounts stands at 28,866, highlighting the growing trust our members place in us.

Conclusion

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 81 State St Heuvelton Ny 13654 or call (315) 393-3530 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings Options

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.

Solid Financial Foundation

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.

Strong Lending Capacity

With $1,310 in used auto loans and $176,996,152 in total loans and leases, our lending capacity supports members' financial goals across various sectors. Our ability to generate income is reflected in our operational success; we have achieved a net income of $0, showcasing our efficiency and readiness to provide competitive products.

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 provide flexible terms and competitive interest rates tailored to fit your budget. Whether you're interested in financing a new or used vehicle, our team is here to guide you through every step of the process.

Business Financing

For business owners, our outstanding commercial loans totaling $11,242,997 provide the capital needed to grow and expand your business. We understand that having access to funds is crucial for success; hence, we're committed to supporting local businesses with tailored loan solutions. At Saint Lawrence, we pride ourselves on being part of the community and helping our members navigate their financial journeys. For any inquiries or if you need assistance with loan applications, feel free to contact us at (315) 393-3530 or visit us at our location: 81 State St Heuvelton Ny 13654 in Heuvelton, 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. Visit our website at https://www.stlawrfcu.com/ for more details on all our loan offerings and how they can benefit you!

Credit Lines and Personal Loans

In addition to auto and mortgage loans, we offer a range of credit lines totaling $57,465,681. These can help cover unexpected expenses or provide extra cash flow when needed. For those looking for additional ways to manage their finances, we also have unsecured credit card loans available, amounting to $1,315,752. Our flexible terms allow you to make purchases while keeping your budget in check.

Mortgage Options

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 can assist you with various mortgage products that suit your specific situation. If you're considering refinancing your current mortgage, don't hesitate to reach out for more information on eligibility and options available.

Loan Aggregator

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SAINT LAWRENCE FEDERAL CREDIT UNION - Heuvelton, NY