Southern Chautauqua Credit Union Cherry Creek NY | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Southern Chautauqua, your trusted financial partner located at 6834 Main St, Cherry Creek, NY 14723. Since our establishment in 1954, we have been dedicated to serving our community and providing personalized banking solutions that meet the diverse needs of our 19,487 members. With a strong commitment to your financial well-being, we pride ourselves on having total assets of $148,727,191 and total deposits amounting to $4,710,914. At Southern Chautauqua, we understand that every member has unique goals and aspirations. That's why we offer a range of services including personal banking accounts, auto loans, mortgage refinancing, and business banking solutions. Our aim is to empower you with the financial tools you need to thrive. Under the leadership of CEO John Felton and Board President William Caldwell, our dedicated team of 74 employees is here to support you through every step of your financial journey. While members can visit us at our branch for all their banking needs, official correspondence should be sent to the same address: 6834 Main St, Cherry Creek, NY 14723. We invite you to explore our website at 665-7000.com for more information on how we can assist you or feel free to give us a call at 716-296-8700 during our lobby hours: Monday through Friday from 9:00 AM to 5:00 PM and Saturdays from 9:00 AM to 12:00 PM. Join us at Southern Chautauqua where your financial future is our priority!

Branch History & Mission

Community Engagement

Our commitment extends beyond banking services; we actively engage in local outreach initiatives aimed at improving the lives of residents in Cherry Creek and surrounding areas. From sponsoring community events to partnering with local organizations, we strive to make a positive impact. While members can visit us at 6834 Main St Cherry Creek Ny 14723, official correspondence should be sent to 6834 Main St, Cherry Creek, NY 14723. If you're looking for a credit union that truly cares about its members and community, look no further than Southern Chautauqua. Join us today! Experience firsthand how being part of Southern Chautauqua can enhance your financial journey. Call us at (716) 296-8700 or explore more about what we offer by visiting our website. Together, let's build a brighter future for Cherry Creek!

Our Journey

Southern Chautauqua began with a simple mission: to provide accessible financial services while fostering a sense of community. Over the years, we have expanded our offerings from basic savings accounts to comprehensive personal banking solutions that include auto loans, mortgages, and business financing. Our evolution reflects not just our growth in services but also our dedication to adapting to the needs of our members. Our branch's location is more than just an address; it's a gathering place for support and connection. As we continue to thrive in this picturesque town known for its rich history and vibrant culture, we remain focused on enhancing the lives of those around us.

Our Mission

At Southern Chautauqua, our mission is clear: we aim to empower our members with the tools they need to achieve their financial goals while giving back to the community that supports us. We believe that financial success should be attainable for everyone, which drives us to offer competitive rates and personalized service. We understand that each member's journey is unique. That's why we prioritize accessibility through various channels whether you prefer visiting us in person during our operating hours (Monday through Wednesday from 9:00 AM to 4:30 PM, Thursday and Friday from 9:00 AM to 5:00 PM, or Saturday from 9:00 AM to 12:00 PM), using our ATM services available on-site, or managing your accounts online via mobile banking.

Branch Location & Accessibility

Accessibility Features

At Southern Chautauqua, we prioritize accessibility for all our members. Our branch is fully ADA-compliant, featuring ramps and wide entryways to ensure everyone can visit us comfortably. Ample parking is available right outside our doors, making your trip even more convenient.

Connect with Us

Have questions or want more information? Feel free to reach out by calling us at 716-296-8700. We invite you to stop by Southern Chautauqua today your financial journey starts here!

Operating Hours & Services

We are here to serve you during our welcoming hours: Monday through Wednesday from 9:00 AM to 4:30 PM, Thursday and Friday from 9:00 AM to 5:00 PM, and on Saturdays from 9:00 AM to 12:00 PM. Whether you're looking to open a checking account or need assistance with an auto loan, our friendly staff is ready to help. In addition to standard banking services like deposits and withdrawals, we offer an ATM for quick cash access and a drive-thru for those on the go. Our range of services includes personal banking options, auto loans, mortgage loans, credit cards with rewards, and business banking solutions. While members can visit us at 6834 Main St for all their banking needs, official correspondence should be sent to the same address.

Member Eligibility

At Southern Chautauqua, we believe that everyone deserves a supportive financial community. Joining us as a member is simple and welcoming. If you live, work, or worship in Chautauqua County, you're likely eligible to become part of our family! We offer a variety of services designed to help you thrive, including checking and savings accounts, auto loans, and personal banking options. To learn more about the specific eligibility criteria, feel free to check out this detailed resource: https://www.shareteccu.com/app/scfcu/viewapp?id=491 . Opening an account at Southern Chautauqua is straightforward and designed with you in mind. Whether you're stopping by our friendly location at 6834 Main St Cherry Creek Ny 14723 or giving us a call at (716) 296-8700, our team is here to guide you every step of the way. We can't wait for you to join us and take advantage of the benefits that come with being a member of our credit union! For more details on how to open your account today, visit https://www.shareteccu.com/app/scfcu/viewapp?id=491 .

Business Banking & Commercial Services

Merchant Services That Matter

Imagine a local café seamlessly processing customer payments while managing inventory effortlessly. Our merchant services provide just that, allowing you to focus on what you do best running your business. We offer solutions that simplify transactions, making it easier for you to serve your customers and grow your bottom line. Located conveniently at 6834 Main St Cherry Creek Ny 14723, Cherry Creek, NY 14723, we invite you to visit us or call (716) 296-8700 to learn more about how our services can help elevate your business today!

Tailored Loan Solutions

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.

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need cash on the go? Our branch provides access to ATMs where you can withdraw funds or check your balance effortlessly. Plus, if you're visiting us during business hours, enjoy the ease of our drive-thru banking for quick transactions without leaving your car. At Southern Chautauqua, we're committed to making banking easy and accessible for everyone in Cherry Creek and beyond. Have questions? Feel free to give us a call at 716-296-8700 or visit us at our branch! Experience the difference with personalized service today!

Auto Loans & Vehicle Financing

Dreaming of a new car? Our competitive auto loans and vehicle financing options make it easier than ever to hit the road in style. We understand that buying a car is a significant investment, so we work hard to offer rates that suit your budget. Plus, our quick approval process means you can drive away with peace of mind.

Business Banking

For our entrepreneurial members, we provide robust business banking services including merchant services and business loans. We know how important it is to have reliable financial support when running a business, so we strive to offer tailored solutions that will help you thrive.

Credit Cards with Rewards

Make everyday spending rewarding with our credit cards that offer rewards. Enjoy benefits like cash back or points for travel while managing your expenses easily. It's a great way to earn while you spend!

Mortgage Loans & Refinancing

Homeownership can be within reach with our comprehensive mortgage loans and refinancing options. Whether you're buying your first home or looking to refinance an existing mortgage for better terms, our team is here to guide you every step of the way. We take pride in making home financing straightforward and stress-free.

Online & Mobile Banking

In today's fast-paced world, convenience matters. That's why we proudly offer online and mobile banking features that allow you to manage your accounts anytime, anywhere. From checking balances to transferring funds or paying bills, everything is just a few taps away on your smartphone or computer.

Personal Banking

Managing your money should be easy and accessible. At Southern Chautauqua, we offer checking and savings accounts designed to fit your lifestyle. Whether you want to keep it simple with a basic account or earn interest on your savings, we can help you choose the right option. For those considering larger purchases or consolidating debt, our personal loans provide flexible solutions without overwhelming terms.

Digital & Online Banking

Key Features

Security is our top priority. We provide electronic signature authorization to simplify the signing process for documents while keeping your information safe. You also have the option to receive e-statements, allowing you to view your account statements digitally no more paper clutter! If you're always on the go, you'll love our mobile application. It allows you to manage your accounts directly from your smartphone, making it easy to send money or make payments with our mobile payments feature. Although we currently don't offer person-to-person transfers, our app provides everything else you need for convenient banking. With real-time account management and easy access to all your financial information, Southern Chautauqua ensures that you're always in control of your money. Join us today and experience how digital banking can enhance your financial journey!

Financial Strength

A Solid Financial Foundation

With a net worth of $23,817,206, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,601 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Commitment to Growth and Security

With $17,433,429 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is strong with $3,440 in used auto loans and $116,863,727 in total loans and leases, supporting members' financial goals across various sectors.

Growing Trust

Total Share and Deposit Accounts: 41,663, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $221,591. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Southern Chautauqua is your trusted partner. Visit us at 6834 Main St Cherry Creek Ny 14723 or call (716) 296-8700 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings Solutions

Members' savings are secured through $27,848,290 in share certificates and $13,146,574 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $7,515,000, 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 70 full-time employees and 4 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $53,544,597 in used vehicle loans and $11,859,649 in new vehicle loans already helping members get on the road. Whether you're considering a brand-new model or a reliable used car, our competitive rates make it easier than ever to drive away happy.

Credit Lines

For those looking for additional financial flexibility, we offer credit lines totaling $20,900,000. This option allows you to borrow money as needed while only paying interest on what you actually use. It's ideal for managing unexpected expenses or large purchases without having to apply for multiple loans.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $24,720,225, make buying or refinancing simple. We provide flexible terms and competitive rates to help you find the right loan for your situation. If you're interested in refinancing your current mortgage or exploring eligibility options for a new loan, don't hesitate to reach out.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans. While we currently have $0 in unsecured credit card loans available, we're committed to helping members manage their finances effectively with future offerings that could suit varying needs. Our team at Southern Chautauqua is dedicated to providing exceptional service and support throughout your borrowing journey. If you have questions about our products or would like assistance with the application process, feel free to give us a call at 716-296-8700. 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 invite you to explore our loan offerings and see how we can help you reach your financial goals today!

Loan Aggregator

Ensuring 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 all offers presented are fair and transparent. By relying on trusted institutions, LendMesh delivers verified data that users can depend on.

Key Benefits of Using LendMesh

LendMesh stands out for several reasons: - 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 about their borrowing options. 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 kind of feedback illustrates how LendMesh has positively impacted borrowers' experiences. For anyone seeking the best loan options tailored to their needs, there's no better tool than LendMesh. 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.*

SOUTHERN CHAUTAUQUA FEDERAL CREDIT UNION