SJP Credit Union Buffalo NY | Best Auto Loans & Business Banking

Introduction

Welcome to Sjp, your trusted partner in financial services, located at 341 Englewood Ave, Buffalo, NY 14223. Since our establishment in 1939, we have been dedicated to serving our community with a personal touch and reliable banking solutions. With a strong membership base of 7,185 members, we're proud to be a cornerstone of financial support for individuals and families in the Buffalo area. At Sjp, we understand that every financial journey is unique. That's why we offer a range of services tailored to meet your needs from personal banking and auto loans to mortgage financing and business loans. Our total assets amount to an impressive $163,744,098, ensuring that we have the resources needed to support your financial goals. With $26,741,781 in total deposits and a net worth of $17,105,300, you can trust us to safeguard your funds while providing competitive rates on loans and savings. Our leadership team is committed to your success. Under the guidance of CEO Charles Kirsch and Board President Gregory Wichtowski, we prioritize transparency and member satisfaction. Whether you're looking for advice on debt consolidation or exploring options for vehicle financing, our knowledgeable staff is here to help you every step of the way. We encourage you to visit us at our branch or reach out by phone at 716-833-9670 during our operating hours: Monday through Wednesday from 9 AM to 2 PM, Thursday from 10 AM to 6 PM, and Friday from 8 AM to 6:30 PM. If official correspondence is required, please use our mailing address: 341 Englewood Ave, Buffalo, NY 14223-2819. Join us today as we work together towards building a brighter financial future! For more information about our services or membership eligibility, feel free to explore our website at sjpfcu.org. Your journey starts here!

Branch History & Mission

Community Focus

Our roots run deep in the community. Over the years, we have established partnerships with local organizations to support various outreach efforts aimed at enhancing the lives of those around us. Whether it's sponsoring local events or providing financial education workshops, our goal is always to give back and uplift our community. With total assets amounting to $163,744,098, we are well-positioned to offer competitive rates and terms on all our products while maintaining a solid foundation for future growth. This stability allows us to focus on what matters most our members. As we reflect on our history and look towards the future, we invite you to become part of the Sjp family. Join us today and discover how we can help you achieve your financial goals while also contributing positively to the community we love. For more information about membership or to open an account, please visit our website or call us at (716) 833-9670. Together, let's build a stronger tomorrow!

Our Mission

At Sjp, our mission goes beyond just providing financial services. We aim to empower our members by offering personalized banking solutions that foster financial literacy and security. Our services include checking and savings accounts, auto loans, mortgages, personal loans, credit cards with rewards, and business banking options. We believe that sound financial management is essential for building strong communities. As we continue to innovate and adapt, we are proud to offer features such as online banking and mobile applications, making it easier for our members to manage their finances anytime, anywhere. While we do not currently have ATM availability or drive-thru services at this branch, our dedicated team is here during our operating hours Monday through Wednesday from 9 AM to 2 PM, Thursday from 10 AM to 6 PM, and Friday from 8 AM to 6:30 PM to assist you with your needs.

Branch Location & Accessibility

Operating Hours

At Sjp, we understand that your time is valuable. That's why we offer flexible operating hours to fit your busy schedule. Our lobby is open Monday through Wednesday from 9 AM to 2 PM, Thursday from 10 AM to 6 PM, and Friday from 8 AM to 6:30 PM. Whether you need assistance with personal banking or want to explore loan options, our dedicated team is here to help during these hours.

Services Offered

We take pride in offering a wide range of services tailored to meet your needs. From checking and savings accounts to auto loans and personal financing, we have the tools to support your financial journey. While we currently do not have ATM services or drive-thru banking available at this location, our staff is always ready to assist you with any transactions you need. If you're looking for a bank that cares about its members and offers personalized service, come by Sjp today! Feel free to call us at 716-833-9670 if you have any questions or need assistance before your visit. We look forward to welcoming you!

Member Eligibility

At Sjp, we believe that becoming a member is like joining a supportive family where your financial well-being matters. If you're wondering how to join us, it's quite simple! You can become a member if you live, work, worship, or attend school in the Buffalo area or have a family member who is already part of our community. We welcome individuals from all walks of life, so whether you're new to banking or looking for a fresh start, we're here for you. To get started on your membership journey, visit us at 341 Englewood Ave Buffalo Ny 14223 or give us a call at (716) 833-9670. You can also find detailed eligibility criteria and updated information at https://www.sjpfcu.org/forms-applications/membership-application/ . Ready to open an account? It's easy! Just check out our account opening details here: https://www.sjpfcu.org/forms-applications/loan-application/ . We can't wait to welcome you into our community!

Business Banking & Commercial Services

Merchant Services That Make a Difference

In addition to loans, our merchant services offer practical benefits that streamline operations for your business. Imagine seamlessly accepting payments through various channels be it in-store or online while enjoying competitive rates that help maximize your profits. Our services are tailored to ensure that you can focus on what matters most: running your business. Located at 341 Englewood Ave Buffalo Ny 14223, Buffalo, NY, we're here to provide personalized support and guidance every step of the way. Reach out at (716) 833-9670 or visit us today!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $20 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 $5,380,497, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Banking Services

For entrepreneurs and small business owners, we offer specialized Business Banking solutions. Our Merchant Services simplify payment processing so you can focus on what matters most growing your business. Whether you're seeking Business Loans for expansion or operational costs, we've got flexible terms that work for you.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why Sjp offers robust Online & Mobile Banking services that allow you to manage your finances anytime, anywhere. Check balances, transfer funds, or pay bills from the comfort of your home or on the go. We know how important it is to have control over your accounts at all times. Though we currently do not have ATM facilities at this location, rest assured that our cash withdrawal services are available through various partner networks nearby.

Get Started Today!

No matter what financial services you need, Sjp is here to guide you every step of the way. Visit us at 341 Englewood Ave Buffalo Ny 14223 in Buffalo, NY or call us at (716) 833-9670 for more information about how we can assist you today! Ready to take the next step? Explore our offerings online at 341 Englewood Avenue and see how we can help improve your financial future!

Personal Banking Solutions

Our personal banking services are crafted to meet your everyday financial needs. With options for Checking & Savings Accounts, you can manage your money with ease and confidence. Imagine having a dedicated account where your funds grow while you enjoy easy access for day-to-day expenses. When it comes time to purchase that new car or truck, our Auto Loans & Vehicle Financing options make it straightforward and affordable. We offer competitive rates to ensure you can hit the road without breaking the bank. For those planning to buy a home or refinance an existing mortgage, our Mortgage Loans & Refinancing services provide tailored solutions that fit your budget and lifestyle. If you're facing unexpected expenses or looking to consolidate debt, our Personal Loans & Debt Consolidation options can help streamline your finances and relieve stress. Plus, don't forget about our Credit Cards with Rewards! You can earn points on every purchase, turning everyday spending into valuable rewards.

Digital & Online Banking

Key Features

You'll appreciate the ease of our online banking platform. Whether you're using a computer or our mobile application, accessing your accounts has never been simpler. You can view e-statements whenever you need them, helping you keep track of your finances without the hassle of paper clutter yes, we offer e-statements! Sending money to friends or family is easy too. Our person-to-person transfers let you send cash quickly and securely, so you'll never have to worry about carrying cash again. Plus, if you're on the go and need to make payments, our mobile application makes it all possible right from your phone.

Security First

We take your security seriously. While we currently don't offer electronic signature authorization for transactions, our systems are designed with robust security measures to protect your information. You can bank with peace of mind knowing that your details are safe with us. At Sjp, we believe banking should be straightforward and accessible. Explore all the features we have at your fingertips by visiting us at https://www.sjpfcu.org/ today!

Financial Strength

Commitment to Innovation

Our commitment to serving you extends beyond basic banking services. With $17,094,874 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better.

Growing Member Base

Total Share and Deposit Accounts: 11,905, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Sjp is your trusted partner. Visit us at 341 Englewood Ave Buffalo Ny 14223 or call (716) 833-9670 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our $0 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 15 full-time employees and 0 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Robust Lending Capacity

We understand the importance of access to funds when it comes to achieving your goals. With $989 in used auto loans and $133,674,717 in total loans and leases, our lending capacity supports members' financial aspirations across various sectors.

Secure Savings Options

Members' savings are secured through $82,410,976 in share certificates and $35,319,000 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $4,323,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Strong Net Worth

With a net worth of $17,105,300, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,100 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 $12,132,244 in used vehicle loans and $1,718,393 in new vehicle loans already helping members get on the road. We provide financing options for both new and used vehicles, ensuring you can find the right fit for your budget. If you're considering refinancing your existing auto loan, we have options available to make that process simple and straightforward.

Credit Lines and Commercial Loans

For those who need additional funding for business ventures or personal projects, our total credit lines amount to $15,000,000, providing the resources you need for growth and expansion. Additionally, our outstanding commercial loans totaling $5,380,497 are designed specifically for business owners looking to take their operations to the next level. At Sjp located at 341 Englewood Ave Buffalo Ny 14223, we pride ourselves on making the borrowing experience as smooth as possible. If you're interested in any of our loan products or would like more information about eligibility requirements and refinancing options, don't hesitate to reach out! Call us at 716-833-9670 or visit our website at sjpfcu.org. 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 $33,067,908, make buying or refinancing simple. We guide you through every step of the process to ensure you feel confident in your decision.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans. Although currently we do not have any active unsecured credit card loans issued, we are dedicated to helping our members manage their finances effectively through various lending solutions.

Loan Aggregator

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Ensuring Accurate Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This guarantees that users receive fair and transparent offers. Each loan comparison reflects accurate rates and terms, allowing borrowers to make informed decisions without hidden surprises.

SJP FEDERAL CREDIT UNION