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

Introduction

Welcome to Southern Chautauqua, your trusted financial partner located right at the heart of Frewsburg. Nestled at 26 Institute St, Frewsburg, NY 14738, our branch has been serving the community since 1954, fostering a spirit of cooperation and mutual support among our 19,487 members. As a proud member of the Chautauqua County family, we're committed to providing personalized banking solutions that empower our members to achieve their financial goals. With total assets exceeding $148 million and deposits around $4.7 million, we are here to ensure your hard-earned money is in safe hands. Our dedicated team, led by CEO John Felton and Board President William Caldwell, works tirelessly to maintain a strong foundation for our credit union. We're not just about numbers; we believe in building lasting relationships within our community while offering competitive loans and savings options tailored just for you. While you can reach us easily at our branch address, any official correspondence should be directed to the same location: 26 Institute St, Frewsburg, NY 14738. Our doors are open on Tuesdays, Wednesdays, and Thursdays from 10 AM to 3 PM, where you can explore services like personal banking, auto loans, mortgages, and business financing all designed with your needs in mind. At Southern Chautauqua, we pride ourselves on being more than just a financial institution; we're your neighbors who care about your success. Join us today and discover how we can help you thrive financially. For inquiries or assistance, feel free to call us at 716-665-7000 or visit our website at https://www.665-7000.com . We look forward to welcoming you into our family!

Branch History & Mission

Commitment to Innovation

As part of our promise to serve you better, we've embraced digital advancements that make banking more convenient. With features like online banking and mobile payments, managing your finances has never been easier. We also ensure that our services are accessible to all members of the community. While we currently do not have ATM or drive-thru services available, we remain dedicated to providing reliable customer service through various channels. For any inquiries or assistance, feel free to reach out at 716-665-7000.

Join Us Today!

At Southern Chautauqua, we invite you to be part of something bigger than just banking. Join us as we continue this journey together where your financial well-being matters most. Whether you're looking for personal loans or business banking solutions, we are here for you every step of the way. Experience the difference today! Visit us online at Southern Chautauqua or come see us in person at 26 Institute St., Frewsburg, NY 14738!

Our Journey

Since our inception, Southern Chautauqua has focused on empowering individuals and fostering financial growth within our community. Over the years, we have celebrated numerous milestones, including reaching a total asset value of $148,727,191. This achievement reflects our dedication to responsible management and the trust placed in us by our members. While visiting us at our branch on Institute St, you'll find us nestled in a vibrant area that resonates with local charm and community spirit. We invite you to stop by during our operating hours Tuesday through Thursday from 10 AM to 3 PM to experience firsthand what we have to offer.

Our Mission

Our mission at Southern Chautauqua is straightforward: to provide exceptional financial services while making a positive impact in the lives of our members and the broader community. We believe in offering accessible banking solutions like checking and savings accounts, auto loans, mortgage options, and personal loans tailored to meet individual needs. We are committed not only to your financial success but also to enhancing the community around us. From supporting local initiatives to forming partnerships with organizations that uplift those in need, we strive to create a supportive environment where everyone can thrive.

Branch Location & Accessibility

Accessibility Features

We strive to make our branch accessible for everyone. Our building complies with ADA standards, featuring ramps and designated parking spaces for individuals with disabilities. We want every member of our community to feel welcome and comfortable while banking with us.

Convenient Access and Local Landmarks

Situated just a stone's throw away from local landmarks, our branch is easy to find. If you're in the area visiting Frewsburg Central School or enjoying a day at the nearby parks, stop by and see what we can offer you. Parking is available right outside our doors, ensuring that your visit is hassle-free.

Get in Touch!

Have questions or need assistance? Feel free to call us at 716-665-7000 or visit our website at 665-7000.com. We look forward to welcoming you at Southern Chautauqua where your financial journey begins!

Operating Hours That Fit Your Schedule

We understand that life can be busy, which is why our lobby hours are designed to fit your schedule. Visit us Tuesday through Thursday from 10 AM to 3 PM for personal service that meets your needs. While we currently do not offer ATM services or drive-thru banking, our dedicated staff is ready to assist you inside the branch.

Services Tailored for You

At Southern Chautauqua, we provide a range of services including checking and savings accounts, auto loans, mortgage options, personal loans, and business banking solutions. Our online and mobile banking options also allow you to manage your finances on-the-go. While members can visit us at 26 Institute St for all their banking needs, official correspondence should be sent to the same address for consistency.

Member Eligibility

Becoming a member of Southern Chautauqua is more than just opening an account; it's about joining a community that cares about your financial well-being. If you live, work, or attend school in the Frewsburg area, you're likely eligible to join us! We welcome individuals from various backgrounds and offer a range of services designed to support your needs, whether you're looking for personal banking options like checking and savings accounts or loans for your next vehicle. To find out more about eligibility details, visit our website at https://www.shareteccu.com/app/scfcu/viewapp?id=491 . Getting started is easy! Just reach out to us at (716) 665-7000, and we can guide you through the account opening process. You can also find all the information you need online at https://www.shareteccu.com/app/scfcu/viewapp?id=491 . We look forward to welcoming you into our Southern Chautauqua family at 26 Institute St Frewsburg Ny 14738, where your financial goals become our priority!

Business Banking & Commercial Services

Practical Merchant Services

In addition to loans, we offer merchant services that can simplify how you manage transactions. Imagine having a reliable partner that helps streamline payment processing so you can focus on what matters most growing your business. We provide solutions that adapt to your operation's needs, allowing you to accept payments easily and efficiently. If you're located in or around Frewsburg, NY, visit us at 26 Institute St Frewsburg Ny 14738 or give us a call at (716) 665-7000. Let's work together to build a brighter future for your business!

Tailored Loan Solutions

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. Currently, we don't have any funded loans to showcase, but we're eager to help you explore financing options tailored for your goals. Our team is ready to work with you to find the right fit.

Comprehensive List Of Services

Additional Services

In addition to these core offerings, we also provide essential ATM and cash withdrawal services for added convenience. While we currently do not have ATMs on-site at this branch, we ensure that members have access to numerous locations throughout the area. At Southern Chautauqua, we're committed to providing personalized service every step of the way. Our friendly staff is always ready to assist you with any questions or concerns regarding our services. For more information about what we offer or to speak with one of our representatives, feel free to give us a call at (716) 665-7000. We invite you to explore all that Southern Chautauqua has to offer! Visit us today at 26 Institute St Frewsburg Ny 14738 or check out our website at https://www.665-7000.com/ for more details on how we can assist you in achieving your financial dreams!

Auto Loans & Vehicle Financing

If you're in the market for a new vehicle, our auto loans and vehicle financing options can help make that dream car a reality. We understand that purchasing a car is a big decision, so we provide competitive rates and flexible terms that fit your budget. With easy application processes, you could be driving away in no time.

Business Banking

For entrepreneurs and small businesses, we offer comprehensive business banking services, including merchant services and business loans. We understand how important it is to keep your business thriving, and our solutions are designed to support growth and efficiency.

Credit Cards with Rewards

Make the most of your purchases with our credit cards that offer rewards. Enjoy cash back on everyday spending or travel rewards when you use your card. It's an excellent way to earn while you spend!

Mortgage Loans & Refinancing

Homeownership is within reach with our mortgage loans and refinancing services. Whether you're buying your first home or looking to refinance an existing mortgage for better rates, our experienced team is here to guide you through the process. We'll help you find the right loan structure that fits your financial goals.

Personal Banking

For those looking to manage their finances effectively, our personal banking services offer both checking and savings accounts designed to suit your lifestyle. Imagine being able to access your funds anytime through our user-friendly online and mobile banking platforms. You can check balances, transfer money, and pay bills with just a few clicks, all from the comfort of your home or on the go.

Personal Loans & Debt Consolidation

Life can sometimes throw unexpected expenses your way. Our personal loans can assist with anything from medical bills to home repairs. Additionally, if you're juggling multiple debts, consider our debt consolidation options which allow you to combine them into one manageable payment with potentially lower interest rates.

Digital & Online Banking

Key Features

Our online banking service gives you 24/7 access to your accounts, allowing you to check balances, transfer funds, and pay bills with just a few clicks. You can also enjoy the convenience of e-statements, which means no more paper clutter. If you're on the go, our mobile application makes it simple to manage your finances right from your smartphone. Plus, with mobile payments enabled, you can make purchases quickly and securely.

Security You Can Trust

We take your security seriously. Our electronic signature authorization feature ensures that your transactions are safe and verified, giving you peace of mind every time you bank online. We prioritize protecting your personal information while making sure our services remain accessible and easy to use.

Stay Connected

While person-to-person transfers are not currently offered, our other features provide plenty of ways to manage your money efficiently. Whether you're checking on recent transactions or setting up payments, everything is just a tap away. Enjoy the freedom of real-time account management with the assurance that you're banking with a trusted institution. With Southern Chautauqua, digital banking is not just about technology; it's about enhancing your everyday financial experience. Explore all that we have to offer at https://www.665-7000.com/ today!

Financial Strength

Commitment to Growth and Innovation

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 with $3,440 in used auto loans and $116,863,727 in total loans and leases.

Growing Member Base

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 26 Institute St Frewsburg Ny 14738 or call (716) 665-7000 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 commitment to operational efficiency is reflected in our $0, 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.

Solid Financial Health

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.

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, we have options that work for you.

Credit Lines and Personal Financing

For those who need extra flexibility with their finances, we provide credit lines with a total available amount of $20,900,000. This gives our members access to funds when they need them most without the hassle of applying for new loans each time.

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 offer competitive rates and flexible terms designed to fit your budget and lifestyle.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans. Currently, we have $0 in unsecured credit card loans available; however, our services are designed to help members manage their finances effectively through responsible borrowing practices. If you're considering refinancing or exploring eligibility options for any of our loan products, please visit our website here for more details. Our commitment is to provide you with clear information and easy access to financial resources that support your journey. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Whether it's an auto loan or a mortgage you're after, Southern Chautauqua is here to guide you every step of the way. Let's work together to make your financial dreams a reality!

Loan Aggregator

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SOUTHERN CHAUTAUQUA FEDERAL CREDIT UNION - Frewsburg, NY