Saint Lawrence Ogdensburg NY Credit Union | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Saint Lawrence Credit Union, your trusted financial partner located at 800 Commerce Park Dr, Ogdensburg, NY 13669. Established in 1954, we have proudly served our community for nearly seven decades, providing a range of financial services tailored to meet the unique needs of our 12,984 members. With total assets exceeding $247,822,672, we are committed to ensuring your financial well-being. At Saint Lawrence, we understand that your financial goals matter. That's why we offer a variety of services including personal banking, auto loans, mortgages, and business banking solutions. Our dedicated team is here to support you through every financial journey. Under the leadership of CEO Amber Taylor and Board President Douglas Loffler, our team of 56 employees strives to provide exceptional service in a friendly environment. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to the same address: 800 Commerce Park Dr, Ogdensburg, NY 13669-2208. We encourage you to explore our offerings and discover how we can help you achieve your financial aspirations. With total deposits amounting to $9,670,476 and a net worth of $27,462,886, we stand strong as a reliable choice in the credit union landscape. Our commitment to community impact is reflected not just in our numbers but also in the relationships we build with our members. We invite you to contact us at (315) 393-3530 or visit our website at www.stlawrfcu.com for more information on how we can assist you today! Your financial success is our priority!

Branch History & Mission

A Legacy of Progress

From humble beginnings in 1954 to becoming an integral part of Ogdensburg's community fabric today, Saint Lawrence has continually adapted to meet the changing needs of its members. We've embraced digital advancements while ensuring compliance with ADA standards, making our services inclusive for all. For official correspondence, please note that while members can visit us at 800 Commerce Park Dr, letters should be sent to 800 Commerce Park Dr, Ogdensburg, NY 13669-2208 if different. With dedicated staff ready to assist you during our operating hours from Monday to Friday, 8:30 AM - 4:30 PM, we invite you to reach out or visit us directly. For any inquiries or assistance, feel free to call us at 315-393-3530.

Join Us Today!

We invite you to become part of the Saint Lawrence family. Experience firsthand how we can help you navigate your financial journey with confidence and care. Your success is our priority! For more information on membership eligibility or to open an account online, please visit our website or check out membership details. Together, let's build a brighter future for you and our community!

Our Mission

Our mission is simple yet profound: to provide quality financial services while fostering a sense of community support. We believe that when our members thrive, so does the entire community. Whether it's through personal banking solutions like checking and savings accounts, auto loans, or business banking services, we strive to empower our members with the tools they need to achieve their financial goals. Our commitment extends beyond just offering financial products; we actively engage in community outreach and partnerships that make a real difference. We offer shared service center access and convenient drive-thru banking options for ease of use. Additionally, with ATM availability and online services like mobile banking and e-statements, we ensure that modern conveniences are accessible to everyone.

Branch Location & Accessibility

A Welcoming Atmosphere

At our branch, we prioritize accessibility and comfort for all members. Our facility is ADA compliant, featuring ramps and accessible parking to ensure everyone can visit us with ease. Plus, we provide ample parking space so you can park without any hassle when you come in for personal banking services.

Convenient Services at Your Fingertips

Saint Lawrence Credit Union is here to serve you during our welcoming hours: Monday through Friday from 8:30 AM to 4:30 PM. Need to make a quick deposit or withdrawal? Our drive-thru service is ready to assist you without leaving your car! And if you're on the go, we also have an ATM available for fast cash withdrawals and balance checks. For those who may need assistance or want to explore shared services with partner credit unions, we offer basic transactions such as deposits and withdrawals right at this location.

Get In Touch!

We encourage you to reach out if you have any questions or need more information about our services. You can give us a call at 315-393-3530, and our friendly staff will be happy to help. We look forward to welcoming you at the Saint Lawrence Credit Union where community meets convenience!

Member Eligibility

Becoming a member of Saint Lawrence means joining a community that truly cares about your financial well-being. If you're looking to take advantage of our wide range of services, you'll be pleased to know that membership is open to anyone who lives, works, worships, or attends school in the Saint Lawrence County area. This inclusive approach ensures that more people can benefit from the personalized service and support we offer. For those interested in specific eligibility criteria, you can explore the details at http://www.stlawrfcu.com/membership. Opening an account is simple and straightforward! Just visit us at our branch located at 800 Commerce Park Dr Ogdensburg Ny 13669, or you can start the process online by checking out our account opening page at https://stlawrfcu.financialhost.org/user-enrollment. If you have any questions, don't hesitate to give us a call at (315) 393-3530 we're here to help! Joining Saint Lawrence not only opens up access to various financial products but also connects you with a network that prioritizes your needs and goals.

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

In addition to loans, we offer comprehensive merchant services that simplify payment processing. Imagine being able to accept credit card payments quickly and securely, which can enhance your customer experience and boost sales. Our user-friendly tools ensure you can focus more on running your business while we handle the transactions seamlessly. Visit us at 800 Commerce Park Dr Ogdensburg Ny 13669 in Ogdensburg, NY or call us at (315) 393-3530 to discover how our business banking solutions can support your goals today!

Comprehensive List Of Services

Additional Services for Member Support

Our commitment extends beyond traditional banking services. At Saint Lawrence, we also provide basic drive-thru banking for quick transactions like deposits and withdrawals. If you're part of another credit union, take advantage of our shared branch transactions as well making banking easier no matter where you go. With so many options available at our location on 800 Commerce Park Dr Ogdensburg Ny 13669 in Ogdensburg, NY, we're here to cater to all your financial needs. If you'd like more information about any of these services or how they can work for you, don't hesitate to reach out at (315) 393-3530. Ready to take control of your financial future? Visit us today or explore more online at Commerce Park Drive. We look forward to serving you!

Business Solutions at Your Fingertips

If you're a business owner, we haven't forgotten about you! Our business banking services, including merchant services and business loans, help streamline your operations and support your growth ambitions. With our expertise, running your business becomes less stressful.

Convenient Digital Banking Features

In today's fast-paced world, convenience is key. That's why we proudly offer robust online and mobile banking platforms that let you manage your finances from anywhere. Need to check your balance or transfer money? It's all just a few taps away! Plus, enjoy the ease of accessing cash through our ATM services, ensuring you're never far from your funds.

Flexible Financing Options

Life can be unpredictable, but with our personal loans and debt consolidation services, you can tackle unexpected expenses head-on. Whether it's medical bills or home repairs, our loan options ensure you're never caught off guard. Plus, our credit cards with rewards let you earn points on everyday purchases what's not to love about getting something back while spending?

Personal Banking Made Easy

We understand that managing personal finances can sometimes feel overwhelming. That's why we offer various checking and savings accounts designed for every lifestyle. Imagine having a straightforward savings plan that helps you achieve your goals, whether it's saving for a vacation or setting aside funds for emergencies. Our accounts come with easy online access, allowing you to manage your money whenever it suits you. For those considering vehicle purchases, our auto loans and vehicle financing options are here to help you hit the road without breaking the bank. Picture driving off in your dream car with affordable monthly payments tailored just for you. We also provide mortgage loans and refinancing solutions to make homeownership accessible and manageable.

Digital & Online Banking

Key Features

One of the standout features is our mobile application, which makes banking on the go a breeze. Whether you're paying bills, checking balances, or transferring money, everything is right at your fingertips. Plus, if you prefer managing your accounts from a computer, our online banking platform offers a user-friendly interface that simplifies all your banking tasks. Need to send money quickly? Our person-to-person transfer service allows you to send funds directly to friends or family without any hassle. It's perfect for splitting dinner bills or helping out a loved one in need. For added convenience, we also support mobile payments so you can make purchases right from your phone.

Security and Accessibility

We take security seriously. While we currently do not offer electronic signature authorization, rest assured that your information remains safe with us through other advanced security measures. Plus, with e-statements available, you can go paperless and manage your documents more efficiently. Banking should fit seamlessly into your life. That's why our services are designed to be accessible and straightforward. From real-time account management to easy navigation on our platforms, we strive to make sure every member feels confident in their ability to handle their finances. Explore all these features today at https://www.stlawrfcu.com/ and experience how digital banking at Saint Lawrence can enhance your financial journey!

Financial Strength

Growing Member Base

Total Share and Deposit Accounts stand at 28,866, showing a strong and growing member base that trusts us with their finances. This growth enables us to be more flexible in meeting your needs as they evolve over time. 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 800 Commerce Park Dr Ogdensburg Ny 13669 or call (315) 393-3530 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our operations reflect our efficiency; this is evident with our current $381,810 allowing 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.

Reinvesting for Your Benefit

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 supports members' financial goals across various sectors, with $1,310 in used auto loans and $176,996,152 in total loans and leases.

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.

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 11.08% 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 car or a reliable used vehicle, we have options that fit your budget and lifestyle.

Business Financing

For business owners, our outstanding commercial loans totaling $11,242,997 provide the capital needed to grow and expand. We understand the specific financial needs of businesses and are committed to supporting your success. We also offer refinancing options to help you lower your payments or adjust your terms according to your current situation. To learn more about eligibility for any of our loan products, visit us online at http://www.stlawrfcu.com/membership or call us at (315) 393-3530 during our operating hours from Monday to Friday, 8:30 AM - 4:30 PM. At Saint Lawrence, we're dedicated to making your financial journey as smooth as possible. Explore our loan offerings today and see how we can assist you in reaching 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're here to guide you through the process, offering competitive rates and personalized service.

Unsecured Credit Card Loans

Managing everyday expenses can be easier with our flexible terms on unsecured credit card loans. With a total of $1,315,752 in loans helping members manage their finances effectively, you can enjoy peace of mind knowing you have access to funds when needed.

Loan Aggregator

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SAINT LAWRENCE FEDERAL CREDIT UNION - Ogdensburg, NY

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