Solutions Credit Union Elmira NY | Low Mortgage Rates & Quick Auto Loans

Introduction

Welcome to Solutions, your trusted partner in financial success, located at 907 Broadway St, Elmira, NY 14904. Established in 1952, we have been dedicated to serving our community with integrity and commitment for over seven decades. With a proud membership of 3,524, we strive to create lasting relationships built on trust and personal service. At Solutions, we believe that your financial journey should be as unique as you are. That's why we offer a comprehensive range of services including personal banking, auto loans, mortgage options, and business financing solutions. Our total assets amount to an impressive $39,097,567, ensuring that we have the resources to meet your needs today and in the future. Our team, led by CEO Thomas Wood and Board President Anthony Deguglielmo, is committed to providing exceptional service tailored just for you. We understand that each member's financial goals are different, which is why we take the time to listen and offer personalized solutions. Whether you're looking to save for the future or secure a loan for that dream car, we're here every step of the way. With total deposits reaching $704,732 and an available cash reserve of $692,625, our strong financial foundation allows us to offer competitive rates while prioritizing member satisfaction. We invite you to explore our wide array of services designed to make your banking experience simple and efficient. If you have any questions or need assistance, feel free to reach out at (607) 734-7144 or visit us online at Solutions Credit Union. Our doors are open during convenient hours Monday from 8:30 AM to 5 PM; Tuesday and Wednesday from 8:30 AM to 4:30 PM; and Thursday and Friday from 8:30 AM to 5:30 PM. Join us at Solutions and experience firsthand how we can help you achieve your financial dreams!

Branch History & Mission

Join Us

As we look towards the future, we invite you to become part of the Solutions family. Experience the benefits of being a member at a credit union that truly cares about your financial success and community well-being. Together, let's build brighter futures for ourselves and our neighbors. To learn more about membership eligibility or to start your journey with us today, please visit Solutions Credit Union or click here.

Our Mission

At Solutions, our mission is simple: to enhance the financial well-being of our members while fostering a strong community spirit. We aim to provide comprehensive banking solutions that cater to individual needs while ensuring that everyone feels valued and supported. Whether it's helping you secure your first auto loan or guiding you through mortgage options for your dream home, we are here for you every step of the way. Our drive-thru service and ATM availability make it easy for members to access their funds quickly and efficiently. With lobby hours designed for your convenience open Monday from 8:30 AM to 5:00 PM, Tuesday and Wednesday from 8:30 AM to 4:30 PM, and Thursday and Friday until 5:30 PM we ensure that banking fits into your busy life. While members can visit us at 907 Broadway St, official correspondence should be sent to 907 Broadway, Elmira, NY 14904 if different. You can reach us anytime at 607-734-7144.

Our Story

Since opening our doors over 70 years ago, Solutions has always been about more than just banking. We began with a mission to provide accessible financial services that empower individuals and families. Over the decades, we have expanded our offerings to include personal banking solutions such as checking and savings accounts, auto loans, mortgages, and credit cards with rewards. We've also embraced technology by providing online banking and e-statements to ensure that our services meet the modern needs of our members. Our branch is committed to supporting the Elmira community not only through financial services but also through outreach programs and partnerships that uplift those in need. We believe in giving back and fostering a sense of belonging among our members. This commitment drives us every day as we strive to create a positive impact on the lives we touch.

Branch Location & Accessibility

Operating Hours and Services

At Solutions, we know that your time is valuable. That's why we offer flexible hours to fit your busy schedule. Visit us Monday from 8:30 a.m. to 5:00 p.m., Tuesday and Wednesday from 8:30 a.m. to 4:30 p.m., and Thursday through Friday from 8:30 a.m. to 5:30 p.m. Our staff is ready to assist you during these hours with personal banking services including checking and savings accounts, auto loans, mortgage loans, personal loans, and credit cards with rewards. For those on the go, we offer ATM access for cash withdrawals and balance checks any time of day. If you're looking for a more traditional banking experience, our drive-thru service provides an easy way to complete deposits and withdrawals without leaving your vehicle.

Reach Out Anytime

Our dedicated team at Solutions is always ready to answer your questions or provide assistance. Feel free to give us a call at 607-734-7144 if you need any information or would like to know more about our offerings. We invite you to stop by our branch at 907 Broadway St in Elmira, NY! Experience the warmth of community banking with Solutions today!

Member Eligibility

At Solutions, we believe that everyone deserves a chance to be part of our friendly community. Joining us as a member is simple and welcoming! You can become part of our family if you live, work, or attend school in Chemung County or have a family member who is already a member. We are dedicated to offering personalized financial services that fit your needs, from checking accounts to loans, all designed with your best interests in mind. To get started on your membership journey, feel free to reach out to us at (607) 734-7144 or visit us at 907 Broadway St Elmira Ny 14904 for more information. For detailed eligibility requirements, check out our resource page at http://solutionscu.org/membership/become-member . We can't wait to welcome you into the Solutions family!

Business Banking & Commercial Services

Lending Solutions Tailored for You

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. Additionally, we also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions that cater to your specific needs.

Merchant Services That Empower Your Business

In today's fast-paced market, having reliable merchant services is crucial. Imagine a small café using our payment solutions to streamline transactions and enhance customer experience. Our merchant services not only simplify payment processing but also help you manage sales data effectively, allowing you to focus on what you do best running your business. Let us partner with you at Solutions, located at 907 Broadway St Elmira Ny 14904 in Elmira, NY. Together, we can build a brighter future for your business. For more information, feel free to reach us at (607) 734-7144!

Comprehensive List Of Services

Business Banking Services

For our business members, we understand how important it is to have reliable financial support. Our business banking services include merchant services and business loans, which can help streamline operations and fuel growth. With flexible options tailored for small businesses, we are here to support your entrepreneurial journey.

Call-to-Action

Ready to explore all that we offer? Visit us at Solutions or call us at 607-734-7144 today! Discover how our comprehensive suite of financial services can enhance your banking experience at Solutions in Elmira.

Digital Banking Features

In today's fast-paced world, convenience is key. Our robust online and mobile banking platforms enable you to manage your accounts anytime, anywhere. You can easily check balances, transfer funds, and pay bills all from the comfort of your home or on-the-go through your smartphone. We also provide convenient access through our ATMs for cash withdrawals and balance checks whenever you need them. Plus, with basic drive-thru banking available for deposits and simple transactions, getting in and out quickly has never been easier.

Personal Banking Solutions

For those looking to manage their personal finances more effectively, we offer essential services like checking and savings accounts. Imagine having a checking account that helps you track your spending while your savings account grows your hard-earned money over time. In addition, our auto loans and vehicle financing options make it easy for you to get behind the wheel of your dream car. Whether you're buying new or used, we provide competitive rates that fit within your budget. For those considering homeownership, our mortgage loans and refinancing services are designed to help you navigate the often complicated real estate market, ensuring you get the best deal possible. If you're facing unexpected expenses or looking to consolidate debt, our personal loans and debt consolidation services can help ease your financial burden. We also offer credit cards with rewards, allowing you to earn points on everyday purchases while enjoying additional perks.

Digital & Online Banking

At Solutions, we understand that convenience and security are essential in today's fast-paced world. That's why we offer a comprehensive suite of digital and online banking services designed to make managing your finances easier than ever. With our 24/7 online banking services, you can access your accounts anytime, anywhere. Whether you're at home or on the go, you have the power to manage your money right at your fingertips. Explore all our digital banking features at https://www.solutionscu.org/ . You can easily check balances, transfer funds, and pay bills with just a few clicks. For those who prefer paperless options, we provide e-statements, allowing you to view your financial documents securely online whenever you need them. Plus, our person-to-person transfer service makes sending money to friends or family a breeze no need for cash or checks. Security is a top priority for us. While we do not offer electronic signature authorization yet, our online platform remains safe and user-friendly, ensuring your information is protected as you conduct transactions. Although we currently don't have a mobile application or mobile payments feature available, our website is optimized for mobile use, allowing you to manage your accounts efficiently on any device. At Solutions, we are committed to making banking accessible and straightforward for all our members. With these tools at your disposal, keeping track of your finances has never been easier! Experience the benefits of digital banking today and take control of your financial future with confidence.

Financial Strength

At Solutions, 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're proud to share our financial strength, which reflects our commitment to serving you reliably. With a net worth of $4,531,688, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 11.59% 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 $4,001,765 in share certificates and $5,147,123 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $4,371,157 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Additionally, with $18,191,501 in total loans and leases, our lending capacity supports members' financial goals across various sectors. Our performance reflects operational efficiency with a reported net income of $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 7 full-time employees dedicated to providing excellent service at every visit. Net Shares available for lending and investments stand at $968,973, while the total share accounts reflect a strong membership base at 6,431 accounts. This shows that our community 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, Solutions is your trusted partner. Visit us at 907 Broadway St Elmira NY 14904 or call 607-734-7144 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $2,388,665 in used vehicle loans and $6,121,388 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new ride or purchasing a reliable used vehicle, our auto loan options make it easy and affordable.

Credit Lines and More

For those looking for additional flexibility, we have credit lines available totaling $1,850,000. These are great for unexpected expenses or managing cash flow. If you're considering refinancing any existing loans or want to check your eligibility for any of our products, our team is here to assist you. You can reach us at (607) 734-7144 or visit us at our branch located at 907 Broadway St Elmira NY 14904. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. We look forward to helping you find the perfect loan solution tailored just for you!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $387,883, make buying or refinancing simple. We provide competitive rates and personalized service to ensure you find the right mortgage solution for your situation.

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. This can be an excellent option for those looking to consolidate debt or make larger purchases without putting down collateral.

Loan Aggregator

Accurate Loan 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 ensures that the offers presented are fair and transparent. By relying on verified financial institutions, users can trust that they are getting accurate information.

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced 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: Up-to-date loan rates from multiple institutions help users make informed decisions. Thousands of users trust LendMesh for loan comparisons. One member shared, "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This testimonial highlights how effective LendMesh can be in helping borrowers find suitable loans. 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.*

Solutions