Southern Chautauqua Credit Union Falconer NY | Affordable Vehicle Loans & Quick Personal Loans

Introduction

Welcome to Southern Chautauqua, your trusted financial partner in the heart of Falconer, NY. Located at 2 East Ave N, we have been serving our community since 1954, growing alongside our members to create a foundation built on trust and support. With a strong commitment to providing personalized banking solutions, we currently boast a membership of 19,487 and total assets exceeding $148 million. At Southern Chautauqua, we understand that every financial journey is unique. That's why we offer a wide range of services tailored to meet your needs from checking and savings accounts to auto loans and mortgages. Our total deposits stand at an impressive $4,710,914, reflecting our members' confidence in us as their go-to credit union. While you can visit us at our Falconer location, please note that official correspondence should be directed to our mailing address at 168 E Fairmount Ave, Lakewood, NY 14750. This ensures that your communications reach us promptly. Under the leadership of CEO John Felton and Board President William Caldwell, we are dedicated to fostering financial wellness within our community. Our team of 74 employees is here to assist you with a personal touch, ensuring that every interaction is meaningful. Whether you're looking for competitive loan rates or robust online banking options, we are here for you. Explore what makes Southern Chautauqua special by visiting our website at 665-7000.com or give us a call at 716-665-7000. We're excited to help you achieve your financial goals!

Branch History & Mission

Accessibility and Service

While our branch doesn't currently offer drive-thru or ATM services, our dedicated staff is ready to assist you during lobby hours from 9:00 AM to 2:30 PM on weekdays when school is in session. Should you need to send official correspondence, please direct it to our mailing address at 168 E Fairmount Ave, Lakewood, NY 14750. We invite you to experience the benefits of being part of Southern Chautauqua. Join us today and let us help you navigate your financial journey with confidence. Together, we can build a brighter future for you and your family! For more information or inquiries, feel free to call us at 716-665-7000 or visit our website at www.665-7000.com.

Community Commitment

At Southern Chautauqua, our story is woven into the fabric of Falconer's community. We've embraced partnerships with local organizations and schools to provide educational programs that enhance financial literacy and promote responsible money management. This commitment extends beyond transactions; it's about building relationships based on trust and mutual respect. We understand that the needs of our members are constantly changing. That's why we've embraced digital advancements such as online banking and mobile payments to ensure convenience for all. Whether it's applying for an auto loan or managing your savings account, we are here to support you every step of the way.

Branch Location & Accessibility

Accessibility and Parking

Our branch is designed with accessibility in mind. We have features like ramps and clear pathways so everyone can navigate easily. If you're driving, you'll find ample parking available right outside the entrance, making your visit hassle-free.

Get in Touch

Have questions or need assistance? Don't hesitate to reach out! You can give us a call at 716-665-7000. Our knowledgeable team is eager to help you find the best solutions for your financial needs. Come visit us today; we look forward to welcoming you at Southern Chautauqua!

Operating Hours

We're open for you Monday through Friday from 9:00 AM to 2:30 PM while school is in session. These hours make it easy for you to stop by on your way to work or during lunch breaks. Our team is ready to assist you with all your banking needs during these hours.

Services Offered

At Southern Chautauqua, we pride ourselves on offering a variety of personal banking services tailored just for you. Whether you're looking for checking and savings accounts, auto loans, mortgage options, or even personal loans for debt consolidation, we have something for everyone. While we currently do not offer ATM services or drive-thru banking, our dedicated staff is here to help you with in-person transactions and consultations.

Member Eligibility

Becoming a member of Southern Chautauqua is like joining a close-knit family that truly cares about your financial well-being. If you're in the Falconer area, you'll find it easy to qualify for membership. Generally, anyone who lives, works, worships, or attends school in Chautauqua County can join us! We believe that everyone deserves access to personalized financial services designed to help you thrive. For more details on the specific eligibility requirements, feel free to check out our website at https://www.shareteccu.com/app/scfcu/viewapp?id=491. Opening an account is just as straightforward. You can visit us at our branch located at 2 East Ave N Falconer Ny 14733, where our friendly staff is ready to assist you. Alternatively, you can start your application online anytime by visiting https://www.shareteccu.com/app/scfcu/viewapp?id=491. If you have questions or need assistance, don't hesitate to call us at (716) 665-7000. We're here to help you every step of the way as you embark on your journey with Southern Chautauqua!

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. Whether you're looking to expand your operations, invest in new equipment, or manage cash flow, our tailored solutions are designed to fit your unique needs.

Merchant Services

In addition to loans, we offer practical merchant services that can streamline your business operations. Imagine being able to accept payments easily from customers whether it's in-store or online allowing you to focus on what you do best: running your business. Our services empower you to enhance customer satisfaction and increase sales without added hassle. If you're ready to explore how Southern Chautauqua can help elevate your business in Falconer, NY, visit us at 2 East Ave N Falconer Ny 14733 or give us a call at (716) 665-7000. Let's work together to turn your business dreams into reality!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about buying a new car? We offer competitive rates on auto loans and vehicle financing. Picture yourself driving off in your dream car with affordable monthly payments that fit comfortably within your budget. Our friendly staff is ready to guide you through the loan application process so that you can hit the road without stress.

Business Banking

For our business members, we provide specialized solutions like merchant services and business loans. We know how important it is for businesses to have reliable banking support. Our team is dedicated to helping you find the right tools to grow and manage your business effectively.

Convenience at Your Fingertips

In addition to our traditional banking services, we also offer essential features like ATM and cash withdrawal services, ensuring that accessing your funds is never a hassle. Although we do not currently have an ATM or drive-thru service at this location, our robust digital banking options provide all the convenience you need. If you're ready to explore all these fantastic offerings or if you have any questions, don't hesitate to reach out! Call us at 716-665-7000 or visit our website at www.665-7000.com. Let Southern Chautauqua help you achieve all your financial goals today!

Credit Cards with Rewards

Our credit cards with rewards add an extra layer of value to your everyday purchases. Imagine earning points while buying groceries or filling up your gas tank! These points can be redeemed for various rewards that suit your lifestyle.

Mortgage Solutions

Homeownership is an exciting milestone, and at Southern Chautauqua, we make it achievable with our mortgage loans and refinancing options. We're here to walk you through every step of securing your home loan so that you can focus on making memories in your new space.

Personal Banking

We understand that managing personal finances can sometimes feel overwhelming. That's why we offer checking and savings accounts designed for convenience and ease of access. Imagine being able to check your balance or transfer funds right from your phone! With our online and mobile banking services, you can take charge of your finances anytime and anywhere. For those times when life throws unexpected expenses your way, our personal loans and debt consolidation options can provide the financial relief you need. Whether it's covering a medical bill or consolidating existing debt into one manageable payment, we are here to help.

Digital & Online Banking

Access Your Accounts Anytime

With our 24/7 online banking services available at https://www.665-7000.com/, you can check your account balances, pay bills, and transfer funds whenever it suits you. No more rushing to the bank before it closes; everything you need is just a click away!

Enjoy Mobile Banking on the Go

For those who prefer using their smartphones, our mobile application allows you to manage your accounts from anywhere. You can make mobile payments seamlessly and even conduct person-to-person transfers when needed. Although currently we don't offer person-to-person transfers, our mobile payments feature ensures that sending money is easy when it's available. In summary, Southern Chautauqua offers a comprehensive suite of digital banking services that prioritize accessibility and ease of use. Experience the freedom of managing your finances on your terms visit us online today!

Go Paperless with E-Statements

Say goodbye to clutter and hello to convenience! With e-statements available, you can access your account statements anytime without having to deal with paper waste. It's not only eco-friendly but also makes it easy to stay organized.

Secure and User-Friendly Features

Security is a top priority for us. Our online banking platform uses advanced encryption technology to keep your information safe. Plus, with electronic signature authorization available, signing documents is quick and hassle-free. You can rest easy knowing that your financial data is well-protected.

Financial Strength

At Southern Chautauqua, 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 are committed to providing a safe and sound banking environment where your money is secure and can grow. 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 16.01% 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 $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. 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 supports members' financial goals across various sectors with $3,440 in used auto loans and a total of $116,863,727 in loans and leases. Our operational efficiency is highlighted by our $1,050,897, which enables 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. The strength of our community is evident in the 41,663 total share accounts we maintain. This shows a strong and growing member base that trusts us with their finances. Additionally, net shares available for lending and investments stand at $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 2 East Ave N Falconer Ny 14733 or call (716) 665-7000 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 $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 interested in financing a brand-new model or a reliable used vehicle, our auto loans can make it happen.

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 strive to provide you with straightforward terms and competitive rates to help you secure your dream home.

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. If you're looking for a way to consolidate debt or cover unexpected expenses, our credit card solutions might be just what you need. For those considering refinancing options or checking eligibility, we encourage you to visit our website or contact us directly at (716) 665-7000. Our knowledgeable staff is ready to assist you through every step of the process. All 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 take the next step towards achieving your financial goals!

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SOUTHERN CHAUTAUQUA FEDERAL CREDIT UNION - Falconer, NY

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