Saint Lawrence Potsdam NY Credit Union | Top Auto Loans & Business Banking

Introduction

Welcome to Saint Lawrence, your trusted partner in financial growth and community support. Located conveniently at 6585 State Highway 56, Potsdam, NY 13676, we have been serving our members since 1954 with a commitment to making banking accessible and beneficial for everyone. With a total membership of over 12,984 individuals, we pride ourselves on fostering a sense of belonging and trust among our community. At Saint Lawrence, our dedication to you goes beyond just providing services; it's about building lasting relationships. With assets totaling an impressive $247,822,672 and deposits amounting to $9,670,476, we ensure that your finances are in safe hands. Our experienced team of 56 employees, led by CEO Amber Taylor and Board President Douglas Loffler, is here to assist you with personalized solutions tailored to your unique needs. Whether you're looking for auto loans or credit cards with rewards, we offer a variety of services designed to help you achieve your financial goals. Our online and mobile banking options make it easy for you to manage your accounts anytime, anywhere. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to the same address: 6585 State Highway 56, Potsdam, NY 13676. If you're ready to take the next step towards financial empowerment or simply want to learn more about how we can serve you better, don't hesitate to reach out! Call us today at 315-261-4637 or visit our website at www.stlawrfcu.com. Your journey towards better banking starts here!

Branch History & Mission

Welcome to Saint Lawrence, a cornerstone of the community in Potsdam, NY. Established in 1954, we have proudly served our members for decades, growing alongside them and adapting to their needs. From our humble beginnings, we have evolved into a trusted financial partner, currently boasting a vibrant membership of over 12,984 individuals. Located at 6585 State Highway 56 Potsdam Ny 13676, our branch is easily accessible and positioned near local landmarks that make it a familiar spot for the community. While members can visit us at this location, official correspondence should be sent to our mailing address: 6585 State Highway 56, Potsdam, NY 13676. At the heart of Saint Lawrence is our mission: to empower our members with exceptional financial services while fostering a spirit of community support. We believe that everyone deserves access to financial resources that help them achieve their goals whether it's buying a first car, purchasing a home, or planning for retirement. Our total assets now exceed $247,822,672, reflecting our commitment to not only provide valuable services but also to ensure the security and growth of member investments. Over the years, we have made significant strides in enhancing our offerings. Our operating hours are designed for your convenience: Monday through Friday from 8:30 AM to 4:30 PM. We also feature ATM availability for those who prefer self-service banking options. Although we do not currently offer drive-thru service, we do provide shared service center access, allowing members to perform basic transactions easily. In addition to traditional banking services like checking and savings accounts, auto loans, and mortgages, we embrace technology with online banking and mobile payment options. These advancements ensure that our members can manage their finances anytime, anywhere, meeting them where they are in today's digital world. Community engagement is vital to us at Saint Lawrence. We actively seek partnerships and outreach opportunities that uplift those around us. Our team is dedicated to making a positive impact by supporting local initiatives and providing resources that strengthen our community bonds. As you explore what we have to offer, we invite you to join the Saint Lawrence family. Experience firsthand how we prioritize your financial well-being and contribute positively to your life and the lives of others in the community. Reach out today at (315) 261-4637 or visit us online at https://www.stlawrfcu.com/ to learn more about membership eligibility and open an account. Together, let's build a brighter future!

Branch Location & Accessibility

Accessibility and Parking

Our location offers ample parking space, ensuring a hassle-free visit. The branch is designed with accessibility in mind, featuring ADA-compliant entrances and pathways so everyone can easily access our services.

Call-to-Action

We invite you to drop by or give us a call today! At Saint Lawrence Credit Union, we prioritize your financial needs and strive to provide you with an exceptional banking experience. Come see how we can support your financial journey!

Nearby Landmarks

You can find us just a short drive from popular landmarks like Potsdam Central School and the beautiful Pine Street Park, making it convenient to stop by while you're out and about.

Operating Hours and Services

We are open Monday through Friday from 8:30 AM to 4:30 PM, providing plenty of time for you to come in at your convenience. Our services include personal banking options like checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and more. We also offer ATM services for quick cash withdrawals and balance checks. While members can visit us at 6585 State Highway 56, official correspondence should be sent to the same address as our mailing address is identical. If you have any questions or need assistance, feel free to reach out at 315-261-4637.

Member Eligibility

Joining the Saint Lawrence community means becoming part of a supportive family that genuinely cares about your financial well-being. To become a member of Saint Lawrence, you'll find that eligibility is quite accessible! If you live, work, worship, or attend school in the Potsdam area, you're already on the right track. It's our way of ensuring that we serve those who are part of our vibrant community. For more detailed information about specific eligibility criteria, feel free to check out this link. Once you're ready to take the next step, opening an account is simple and straightforward. You can easily start this process by visiting our account opening page. If you have any questions or need assistance along the way, don't hesitate to reach out to us at 315-261-4637. We're here to help! With benefits like personalized service and a range of financial products designed just for you, becoming a member at Saint Lawrence can truly make a difference in your life.

Business Banking & Commercial Services

Merchant Services That Make a Difference

Imagine having a reliable partner for all your payment processing needs. Our merchant services simplify transactions, allowing you to focus on what matters most growing your business. From accepting credit card payments to online transaction support, we help ensure that your cash flow runs smoothly. Located at 6585 State Highway 56 Potsdam Ny 13676 in Potsdam, NY, we invite you to explore how Saint Lawrence can help take your business to the next level. Contact us today at (315) 261-4637 to learn more about our offerings!

Tailored 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.

Comprehensive List Of Services

Business Banking Services

If you're a business owner, our Business Banking services are designed to support your growth. From merchant services that streamline payment processing to business loans that help fund expansion, we are here to assist you every step of the way.

Convenient Digital Banking

In today's fast-paced world, convenience is key. With our robust Online & Mobile Banking capabilities, you can handle everything from checking balances to transferring funds with just a few taps on your smartphone. Plus, our ATM & Cash Withdrawal Services ensure you have access to your cash whenever needed.

Credit Cards with Benefits

Looking for a way to earn rewards while you spend? Our Credit Cards with Rewards program allows you to enjoy benefits while handling everyday purchases. It's all about making your spending work for you!

Loans Tailored for You

Need a new vehicle? Our Auto Loans & Vehicle Financing options make it easy for you to drive away in the car of your dreams. If homeownership is on your mind, we provide competitive Mortgage Loans & Refinancing solutions that fit different budgets and goals. For those unexpected expenses or projects, our Personal Loans & Debt Consolidation services can help alleviate financial stress by consolidating debt into manageable payments.

Personal Banking Solutions

Managing your finances should be simple. That's why we offer various Personal Banking services, including checking and savings accounts designed to help you save for what matters most. Imagine easily tracking your expenses and effortlessly managing your money through our user-friendly online and mobile banking platforms. You can access your accounts anytime, anywhere, making it easier than ever to stay on top of your finances.

Shared Branch Transactions

For added convenience, we also facilitate basic shared branch transactions. This means that members from partner credit unions can perform deposits and withdrawals right here at our branch without any hassle. At Saint Lawrence, we understand that each member's needs are different. That's why we offer such a comprehensive list of services to ensure there's something for everyone. If you're ready to take control of your finances or have any questions about how we can serve you better, please don't hesitate to reach out! Call us at (315) 261-4637, or visit us during our lobby hours from Monday through Friday between 8:30 am and 4:30 pm. Join us today and discover how State Highway 56 can help you achieve your financial goals!

Digital & Online Banking

Easy Access Anytime, Anywhere

With our 24/7 online banking services available at https://www.stlawrfcu.com/, you can check your account balance, transfer funds, and pay bills from the comfort of your home or on the go. Forget about waiting in line; everything you need is just a click away!

Manage Your Money with Confidence

Stay updated with our e-statements feature, which allows you to receive your statements electronically. This not only helps you keep track of your finances but also contributes to a more eco-friendly way of banking. Plus, our mobile application brings all these features right to your fingertips, making it easier than ever to manage your accounts.

Secure Transactions Made Simple

Safety is our top priority. While we don't offer electronic signature authorization at this time, our online services are protected by robust security measures to keep your information safe. You can also enjoy the convenience of mobile payments and person-to-person transfers, allowing you to send money easily to friends and family. At Saint Lawrence, we believe that banking should work for you. Join us today and experience the benefits of modern banking that puts convenience and security first!

Financial Strength

At Saint Lawrence, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are proud to share our strong financial standing with you, ensuring peace of mind as you make decisions about your financial future. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. 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. 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. 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 to lending is evident with $1,310 in used auto loans and $176,996,152 in total loans and leases, which support members' financial goals across various sectors. Our performance is reflected in our $381,810, showcasing our operational efficiency that 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. Total Share Accounts stand at 28,866, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $702,554 further enhances our capacity to meet your 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 6585 State Highway 56 Potsdam Ny 13676 or call (315) 261-4637 to learn more about how we can help you achieve your financial goals.

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 financing for both new and used vehicles, making it easier than ever to drive off in the car you want. Plus, if you're considering refinancing your current auto loan, we have options available that could lower your monthly payments.

Credit Solutions

For those who need extra flexibility with their finances, we also offer unsecured credit card loans with a total of $1,315,752 in loans helping members manage their finances effectively. Our credit cards come with competitive rates and rewards programs that can benefit you every time you use them. If you're a business owner looking for capital to grow your enterprise, our outstanding commercial loans totaling $11,242,997 provide the funding needed to expand your operations. We tailor our commercial lending solutions to meet the unique needs of your business. At Saint Lawrence, we're committed to helping you navigate your financial journey with confidence. For more information about our loan products or to see if you qualify for any of our offerings, please contact us at (315) 261-4637 or visit us at 6585 State Highway 56 Potsdam Ny 13676 in Potsdam, 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. Whether you're ready to apply for a loan or just exploring your options, our dedicated team is here to assist you every step of the way!

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 work closely with you to find the best mortgage solution that fits your budget and long-term goals. Whether you're a first-time buyer or looking to refinance an existing mortgage, our team is here to guide you through the process.

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SAINT LAWRENCE FEDERAL CREDIT UNION - Potsdam, NY

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