South Atlantic Credit Union Boca Raton FL | Best Auto Loans & Mortgage Refinancing

Introduction

Welcome to South Atlantic, your trusted partner in financial services located at 1 W Camino Real Ste 110, Boca Raton, FL 33432. Established in 1973, our credit union has proudly served 2,172 members and continues to grow with a focus on community and member satisfaction. With total assets amounting to $16,749,315 and total deposits of $728,316, we are committed to providing you with a secure and supportive banking experience. At South Atlantic, we understand that every member's financial journey is unique. That's why we offer a range of services tailored just for you from personal banking options like checking and savings accounts to auto loans and mortgages. Whether you're looking to buy your first car or refinance your home, we're here to help with over 820 loans and leases currently being serviced. Our leadership team is dedicated to ensuring that our members receive the best possible service. Led by CEO Pamela Rower and Board President Erin Francisco, our small but dedicated staff of four employees is always ready to assist you. We pride ourselves on being accessible; feel free to reach out at (561) 394-7097 for any inquiries. While members can visit us at the branch for all their banking needs, official correspondence should be sent to our mailing address: 1 W Camino Real Ste 110, Boca Raton, FL 33432-5966. Join us in building a brighter financial future together! Visit our website at South Atlantic FCU for more information or stop by today!

Branch History & Mission

Community Engagement

At South Atlantic, we believe in giving back. Our partnerships with local organizations help us contribute positively to the community's growth and well-being. By actively engaging in outreach programs and events, we strive to strengthen the bond between our credit union and the residents of Boca Raton. As we look towards the future, we invite you to join us on this journey. Experience firsthand how South Atlantic can help you achieve your financial goals while being part of a community-focused credit union. Whether you're looking for competitive loan rates or personalized service, we're here for you every step of the way. For more information or assistance, feel free to reach out at 561-394-7097 or visit us online at www.safcu1.org. Join us today and become part of something greater!

Our Mission

Our mission is simple yet powerful: to enrich the lives of our members and the communities we serve. We do this by offering a range of personal banking options such as checking and savings accounts, auto loans, mortgage refinancing, credit cards with rewards, and business banking services. Each product is designed not just for individual benefit but also with community support in mind. While you can visit us at 1 W Camino Real Ste 110, official correspondence should be sent to 1 W Camino Real Ste 110, Boca Raton, FL 33432-5966 if you prefer mailing options. Our branch operates during convenient hours Monday from 7:30 AM to 4:00 PM, Tuesday through Thursday from 9:00 AM to 4:00 PM, and Friday until 5:30 PM making it easy for you to find time for your financial needs.

Our Story

Since opening our doors, South Atlantic has dedicated itself to providing exceptional financial services tailored to the needs of our members. With total assets amounting to an impressive $16,749,315, we have continually expanded our offerings while remaining true to our mission: empowering individuals and families through affordable financial solutions and unwavering support. Our journey has been marked by significant milestones, including the introduction of online banking services that allow members to manage their accounts conveniently from anywhere. We are proud to be compliant with ADA standards, ensuring that all members have equal access to our services.

Branch Location & Accessibility

Welcome to the South Atlantic branch, conveniently located at 1 W Camino Real Ste 110 in beautiful Boca Raton, Florida. Nestled in the heart of Palm Beach County, our branch is easy to reach and close to popular local spots, making it a great choice for your banking needs. Whether you're heading to the nearby shopping areas or enjoying a day at the beach, stopping by our branch is simple. At South Atlantic, we understand that accessibility is key. Our branch features ADA-compliant facilities, ensuring everyone can visit us comfortably. While parking is available on-site for your convenience, feel free to call us at (561) 394-7097 if you have any questions about your visit or need assistance. Our operating hours are designed with your schedule in mind. We're open Monday from 7:30 AM to 4:00 PM, Tuesday through Thursday from 9:00 AM to 4:00 PM, and Friday from 9:00 AM to 5:30 PM. This flexibility allows you to manage your banking on your terms. Although we don't have an ATM or drive-thru services at this location, our friendly staff is ready to assist you with a variety of services including personal banking options like checking and savings accounts, auto loans, mortgage refinancing, and more. While members can visit us at 1 W Camino Real Ste 110 Boca Raton Fl 33432, official correspondence should be sent to our mailing address at 1 W Camino Real Ste 110, Boca Raton, FL 33432-5966. We invite you to come by and see how we can help you achieve your financial goals. Visit us today or give us a call; we're here for you!

Member Eligibility

At South Atlantic, we believe that everyone deserves a chance to be part of a supportive community. If you're looking to join us, you'll find that becoming a member is straightforward and welcoming. Our membership is open to anyone who lives, works, or worships in the Boca Raton area, along with their family members. This means that whether you're a local resident or connected to our vibrant community in other ways, you can enjoy the many benefits we offer. From competitive rates on loans and savings accounts to personalized service that makes banking feel more like home, there's so much to gain. To explore detailed eligibility requirements and see if you qualify, just visit this link. If you're ready to take the next step, opening an account is easy! You can call us at (561) 394-7097 for more information or visit us at our branch located at 1 W Camino Real Ste 110 Boca Raton Fl 33432. We're here to help you every step of the way as you join our family at South Atlantic!

Business Banking & Commercial Services

Business Loan Options

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

In addition to loans, we offer tailored merchant services that simplify everyday operations. Imagine being able to accept payments easily from customers, whether they prefer cash, credit, or digital wallets. Our services help streamline transactions so you can focus on what truly matters growing your business. Located at 1 W Camino Real Ste 110 Boca Raton Fl 33432 in Boca Raton, FL, we invite you to reach out at (561) 394-7097 to learn more about how our business banking services can help your business flourish. Visit us today and take the first step towards achieving your business goals!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

When it's time for a new car, look no further than our auto loans and vehicle financing options. We understand that purchasing a vehicle is a significant investment, and we aim to make it as affordable as possible. Our competitive rates and flexible terms allow you to drive away in your dream car without breaking the bank.

Business Banking Solutions

If you're a business owner, we haven't forgotten about you! Our business banking services include merchant services and business loans designed to help your enterprise thrive. From managing cash flow to funding growth initiatives, we're here to support you.

Convenient Access Options

At South Atlantic, we know convenience matters. That's why we offer not only traditional banking but also online and mobile banking features that allow you to manage your accounts at any time. Plus, while we currently do not have ATM services or drive-thru facilities available at this branch, our online tools ensure that accessing your account is always within reach. We invite you to visit us at 1 W Camino Real Ste 110 Boca Raton Fl 33432 in Boca Raton, FL or give us a call at (561) 394-7097 to learn more about how we can assist you with all your financial needs. At South Atlantic Fcu, we're committed to providing personalized service and comprehensive solutions that empower our members towards achieving their financial goals. Come see how we can make a difference for you today!

Credit Cards with Rewards

For those who like to earn while they spend, consider our credit cards with rewards. You can enjoy benefits like cash back or travel points simply by using your card for everyday purchases. It's an easy way to make the most out of your spending!

Mortgage Loans & Refinancing

Thinking about buying a home? Our mortgage loans are designed with you in mind. We offer various options for first-time homebuyers and those looking to refinance their existing mortgages. Our team will guide you through the process, ensuring you understand all your options so that you can make the best decision for your future.

Personal Banking Services

One of the cornerstones of our offerings is personal banking. We provide various checking and savings accounts that suit different lifestyles and goals. Imagine having easy access to your funds while earning interest on your savings. With our online and mobile banking services, you can check your balance, transfer funds, and pay bills from anywhere, making it simple to stay on top of your finances.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way. That's where our personal loans come in handy. Whether you need funds for home improvements or want to consolidate debt into one manageable payment, we have solutions tailored just for you.

Digital & Online Banking

Key Services

With our online banking, you can effortlessly check balances, pay bills, and transfer funds with just a few clicks. Need to send money to a friend? Our person-to-person transfer feature makes it simple and quick. Plus, if you prefer receiving documents electronically, our e-statements are available for easy access and management of your account statements.

Security and Convenience

Security is a top priority for us. While we do not currently offer electronic signature authorization, we ensure that all transactions are protected with strong security measures. You can rest easy knowing that your personal information is safe. Although we don't have mobile payments or a dedicated mobile application at this time, our website is fully optimized for mobile use, allowing you to manage your finances right from your smartphone or tablet. In today's fast-paced world, we know convenience matters. That's why South Atlantic provides user-friendly online banking services that allow you to handle everything from checking balances to setting up recurring payments without any hassle. Explore all the benefits of digital banking with us at https://www.safcu1.org/ and take charge of your financial journey today!

Financial Strength

A Solid Foundation

With a net worth of $1,577,126, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $938 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Growing Together

Total Share and Deposit Accounts: 3,293, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $0. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, South Atlantic is your trusted partner. Visit us at 1 W Camino Real Ste 110 Boca Raton Fl 33432 or call (561) 394-7097 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

Members' savings are secured through $1,364,260 in share certificates and $1,047,476 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.

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 4 full-time employees and 0 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinventing Member Services

With $1,510,803 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 your financial goals with $241 in used auto loans and $8,358,360 in total loans and leases.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $4,001,842 in used vehicle loans and $804,690 in new vehicle loans already helping members get on the road. We provide financing options for both new and used vehicles, ensuring that you can choose what fits your budget best.

Credit Lines and Unsecured Loans

For those looking for flexibility, our credit lines total $532,818, giving you access to funds when you need them most. Additionally, we offer unsecured credit card loans with a total of $553,413 available. These options can help you manage unexpected expenses without breaking the bank.

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 an existing mortgage, our team is here to guide you through the process.

Refinancing Options

If you're considering refinancing existing loans, we have options that may be beneficial depending on your circumstances. Our experts can help assess your current financial situation and guide you toward the best choices available. At South Atlantic, we're committed to helping our members navigate their financial journeys with confidence. Our team is always ready to assist you with any questions or concerns regarding eligibility or application processes. For more information about our loan offerings or to speak with a representative, feel free to call us at (561) 394-7097. You can also visit our website at https://www.safcu1.org/ for further details. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Let us help you find the right loan solution today!

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SOUTH ATLANTIC FEDERAL CREDIT UNION