Schenectady County Employees Credit Union Schenectady NY | Affordable Auto Loans & Quick Personal Loans

Introduction

Welcome to Schenectady County Employees at 388 Broadway, Schenectady, NY 12305! Established in 1964, our credit union has been a trusted financial partner for over five decades. With a strong commitment to serving our community, we currently support 670 members and manage assets totaling $5,115,951. At Schenectady County Employees, we believe in making banking accessible and beneficial for everyone. Our total deposits amount to $533,947, reflecting our members' trust in us. Whether you're looking for personal banking solutions like checking and savings accounts or financing options such as auto loans and mortgages, we've got you covered with a variety of services tailored just for you. While you can visit us at our branch location, official correspondence should be sent to 388 Broadway Suite B, Schenectady, NY 12305. Our dedicated team is here to assist you during our lobby hours from 9 AM - 4 PM Monday through Friday and until 4:30 PM on Wednesdays. Led by CEO Denelle Albert and Board President Robert Dantz, our small but passionate team of just one employee is committed to delivering personalized service that makes a difference in your financial journey. With total loans reaching 243, we are proud to support local growth through various lending options. We invite you to explore what we offer further by visiting our website at schcofcu.org or calling us directly at 518-374-3830. Join us today and experience the benefits of being a member of Schenectady County Employees!

Branch History & Mission

A Community-Driven Future

As technology advances, we're committed to ensuring accessibility for all members. Our online and mobile banking options make it easy for you to manage your finances anytime and anywhere. We adhere to ADA compliance standards because everyone deserves equal access to financial services. We invite you to join us on this journey as we continue building a supportive environment for all our members. Experience the benefits of being part of a cooperative that prioritizes your needs and invests back into the community. Together, let's work towards achieving your financial dreams! For any inquiries or further information about our services, feel free to reach out at 518-374-3830 or visit us at schcofcu.org. Your financial future starts here!

Our Journey

Since opening our doors nearly six decades ago, Schenectady County Employees has been committed to providing accessible financial services that meet the needs of our diverse membership. As we established ourselves in the heart of Schenectady, we became more than just a financial institution; we became a vital part of our community's growth and development. With total assets now reaching $5,115,951, our dedication to responsible financial management has allowed us to flourish while providing valuable products and services like personal banking accounts, auto loans, mortgage financing, and credit cards with rewards. We take pride in supporting our members not just through finances but also by empowering them to achieve their goals.

Our Mission

At Schenectady County Employees, our mission is clear: we are here to support our members and enhance their financial well-being. We strive to provide personalized services that foster trust and confidence. Our commitment goes beyond banking; we actively engage in community outreach programs and partnerships that make a real difference in people's lives. Our operating hours are designed with your convenience in mind: we welcome you Monday through Friday from 9 AM to 4 PM (and until 4:30 PM on Wednesdays). While we currently do not offer ATM or drive-thru services, our team is always ready to assist you inside the branch.

Branch Location & Accessibility

Accessibility Features

At our branch, we prioritize accessibility for everyone. Our facility is ADA compliant, featuring ramps and designated parking spaces for those who need them. Whether you're visiting for personal banking services or to discuss loan options, you'll find our staff ready to assist you with a smile.

Connect With Us

Have questions? Feel free to give us a call at (518) 374-3830. Our friendly team is eager to help you with whatever you need. We invite you to come by and see how we can assist with your banking needs today!

Operating Hours

We know that your time is valuable, which is why we offer convenient operating hours. You can visit us Monday through Friday from 9 AM to 4 PM, and on Wednesdays, we're open until 4:30 PM. This flexibility allows you to fit banking into your busy schedule.

Services Offered

Our branch provides a wide range of financial services tailored to meet your needs. From checking and savings accounts to auto loans and mortgages, we're here to support your financial journey. Plus, if you prefer online banking or mobile payments, we've got you covered with those options too.

Member Eligibility

Becoming a member of Schenectady County Employees is like joining a close-knit community that truly cares about your financial well-being. If you're wondering whether you can join us, we welcome individuals who work for or are associated with certain local employers and organizations. This means if you're an employee, volunteer, or a family member of someone connected to these groups, you might just qualify! To explore the specific details about eligibility, feel free to check out this resource: . Once you're ready to take the next step, opening an account with us is simple and straightforward. Our dedicated team is here to guide you through the process, ensuring everything goes smoothly. You can reach us at (518) 374-3830 if you have any questions or need assistance. We look forward to having you as part of our family at Schenectady County Employees, located at 388 Broadway Schenectady Ny 12305!

Business Banking & Commercial Services

Business Loans That Fuel Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services That Simplify Transactions

In today's fast-paced world, having efficient payment options can make all the difference. Our merchant services allow businesses to accept payments easily, whether in-store or online. Imagine a local café seamlessly processing customer orders while tracking sales data in real-time this efficiency helps owners focus on what they do best: serving their customers. Located at 388 Broadway Schenectady Ny 12305 in Schenectady, NY, we're here to help your business thrive. For more information, give us a call at (518) 374-3830, or visit our website at Schenectady County Efcu.

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Planning to purchase a new car or refinance an existing vehicle? Our Auto Loans & Vehicle Financing services make it easy to get behind the wheel without breaking the bank. With competitive rates and straightforward terms, you'll find financing that suits your budget. Picture driving off the lot with confidence, knowing you made the right financial choice.

Business Banking

For entrepreneurs and small business owners, our Business Banking services include merchant services and business loans tailored to meet the unique needs of your enterprise. We know how vital it is for businesses to thrive in today's economy, and we are committed to supporting local businesses in their growth journeys.

Credit Cards with Rewards

Don't forget about our Credit Cards with Rewards! Earn points on purchases that can be redeemed for travel, merchandise, or cash back. This card not only provides convenience but rewards you for spending wisely making each purchase more rewarding.

Mortgage Loans & Refinancing

If you're considering buying a home or refinancing your current mortgage, our comprehensive Mortgage Loans & Refinancing options can help turn your dream of homeownership into reality. We understand that this is one of the most significant financial decisions you'll make, and our knowledgeable staff will guide you through every step.

Online & Mobile Banking

In today's fast-paced world, managing your finances on the go is essential. That's why we offer robust Online & Mobile Banking options that allow you to check balances, transfer funds, and pay bills anytime, anywhere. Enjoy banking at your fingertips with ease and convenience. At Schenectady County Employees, we believe in providing not just services but solutions that fit seamlessly into your life. If you're ready to explore what we have to offer or if you have any questions, don't hesitate to reach out! Call us at (518) 374-3830 during our operating hours from 9 AM to 4 PM (and until 4:30 PM on Wednesdays). Your journey towards better banking starts here!

Personal Banking

Managing your everyday finances can be simple and stress-free with our Personal Banking options. Whether you're looking for checking accounts or savings accounts, we have flexible solutions tailored for you. Imagine having a checking account that fits seamlessly into your daily life, offering easy access to your funds while helping you save for future goals.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way. That's why we offer Personal Loans & Debt Consolidation options to give you the financial breathing room you need. Whether it's for a medical bill, home repairs, or consolidating debt into one manageable payment, we're here to help you regain control over your finances.

Digital & Online Banking

Additional Features

While person-to-person transfers and mobile payments aren't available yet, our members benefit from the simplicity of direct online banking capabilities. You'll find it easy to manage everything from checking and savings accounts to loans directly from your device. Whether you're paying bills or checking your balance, Schenectady County Employees makes digital banking straightforward and secure. Join us today and experience the ease of managing your finances with confidence!

Mobile Application

For members who are always on the go, our mobile application is here to help! With this app, managing your finances becomes even simpler. You can view account details, transfer funds between accounts, and keep track of your transactions right from your smartphone or tablet.

Security and Accessibility

We prioritize security while ensuring that our services remain accessible. Although we do not offer electronic signature authorization at this time, our platform employs robust security measures to keep your information safe. Our commitment to convenience extends to e-statements; while they are currently unavailable, you can still easily monitor your account activity through online banking.

Financial Strength

Commitment to Growth

Our commitment to growth is evident with $260,276 in undivided earnings which allows us to reinvest in innovative banking tools and stronger lending options. This ensures we continue enhancing our service quality to better serve you.

Efficient Operations

Our $0 reflects our operational efficiency, enabling us to keep offering competitive loan rates and solid financial products for our members. With 1 full-time employees ready to assist you, we ensure that our branches are equipped with knowledgeable staff dedicated to your needs.

Growing Member Base

We take pride in serving a strong community with a total of 992 accounts, showcasing the trust members place in us. Our focus remains on you our valued member ensuring that your financial journey is supported every step of the way. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Schenectady County Employees is your trusted partner. Visit us at 388 Broadway Schenectady Ny 12305 or call (518) 374-3830 to learn more about how we can help you achieve your financial goals. *Performance insights and financial data sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.*

Lending Support

We provide significant support for your financial goals with $127 in used auto loans and $3,714,741 in total loans and leases. Our lending capacity is designed to empower members across various sectors.

Member-Focused Savings

Members' savings are secured through $831,956 in share certificates, offering stable and rewarding financial growth opportunities. We prioritize our members' interests, reflected in our approach towards managing resources effectively.

Strong Financial Health

With a net worth of $368,928, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $721 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

Additional Services

For those considering refinancing or exploring eligibility options, our team at Schenectady County Employees is ready to assist you. Whether you need help understanding the refinancing process or determining which loan product fits your needs best, we're just a call away at (518) 374-3830. Our branch located at 388 Broadway Schenectady Ny 12305, Schenectady, NY is open Monday through Friday from 9 AM - 4 PM (and until 4:30 PM on Wednesdays). We encourage you to visit us and explore how we can support your financial journey. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. At Schenectady County Employees, we're committed to providing personalized service and transparent information about our loan offerings. Let us help you find the right solution for your financial needs today!

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $2,343,494 in used vehicle loans and $548,542 in new vehicle loans already helping members get on the road. We provide financing options for both new and used vehicles, ensuring you have access to the funds necessary for your next purchase.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We currently offer Junior Lien 1-4 Family Residential Properties loans totaling $0. Whether you're a first-time buyer or looking to refinance your existing mortgage, our team is here to guide you through the process.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $0 in loans helping members manage their finances effectively. Our credit cards come with rewards and are designed for convenience, making it easy for you to handle everyday purchases while earning benefits.

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. With a focus on transparency and reliability, LendMesh empowers users to make informed financial decisions. LendMesh ensures accurate loan comparisons by sourcing data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards. This commitment to using verified data means that all loan offers are fair and transparent, based on the latest results (Source: https://www.ncua.gov ). Users can trust that they are seeing legitimate offers from reputable financial institutions. The benefits of using LendMesh include: - Verified Data: Loan offers come from legitimate financial institutions, ensuring transparency. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Users have access to up-to-date loan rates from multiple institutions, helping them make informed decisions quickly. Thousands of users trust LendMesh for loan comparisons. One member shared their experience: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials reflect the effectiveness and reliability of the platform. 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.

SCHENECTADY COUNTY EMPLOYEES FEDERAL CREDIT UNION - Schenectady, NY