Southern Chautauqua Credit Union Lakewood NY | Best Auto Loans & Personal Banking

Introduction

Welcome to Southern Chautauqua, your trusted financial partner in the heart of Lakewood, NY! Since our establishment in 1954, we have proudly served our community, fostering a sense of belonging and support for our 19,487 members. Located at 168 E Fairmount Ave, we are dedicated to providing personalized banking solutions that truly cater to your needs. At Southern Chautauqua, we understand that financial health is key to achieving your dreams. That's why we offer a wide range of services, from checking and savings accounts to auto loans and mortgages. With total assets exceeding $148 million, we ensure that your money is secure while also providing competitive rates on loans and deposits. Currently, our members enjoy a total deposit base of $4,710,914 and an impressive loan portfolio with 8,889 loans and leases. Our commitment goes beyond numbers; it's about building lasting relationships. Under the leadership of CEO John Felton and Board President William Caldwell, our team of 74 employees is here to guide you through every step of your financial journey. We pride ourselves on being more than just a credit union; we are a community-focused institution ready to support you in achieving your goals. While members can visit us at our branch address, official correspondence should be sent to the same address: 168 E Fairmount Ave, Lakewood, NY 14750. If you need assistance or have questions, feel free to reach out at (716) 665-7000. Join us today at Southern Chautauqua, where your financial future is our priority! For more information about our services or to become a member, visit us online at 665-7000.com. We're excited to help you take the next step toward financial success!

Branch History & Mission

Welcome to Southern Chautauqua, a credit union rooted in community spirit and dedicated to serving the financial needs of our members since 1954. Located at 168 E Fairmount Ave in Lakewood, NY, we have grown from humble beginnings into a thriving institution with a total membership of nearly 19,500 individuals. Over the years, we have expanded our services and developed strong relationships with our members, ensuring that they receive the support they need for their financial journeys. Our mission is simple yet powerful: to provide personalized financial services while fostering a sense of community among our members. We believe in empowering individuals and families through accessible banking solutions, whether it's through checking and savings accounts, auto loans, or mortgage refinancing. Our dedicated staff is committed to making every interaction meaningful and supportive. In addition to our comprehensive range of services including personal loans and credit cards with rewards we are proud to offer online and mobile banking options that make managing finances easy and convenient. With ATM availability and drive-thru banking at our Lakewood branch, we strive to meet our members wherever they are in life. Southern Chautauqua's commitment extends beyond just banking; we actively engage with local organizations and participate in community outreach efforts. By partnering with various groups, we aim to uplift our community and contribute positively to the lives of those we serve. While you can visit us at our branch address for all your banking needs, official correspondence should be sent to the same location: 168 E Fairmount Ave, Lakewood, NY 14750. Our friendly team is here during our operating hours Monday through Wednesday from 9:00 AM to 4:30 PM, Thursday from 9:00 AM to 5:00 PM, Friday from 9:00 AM to 5:30 PM, and Saturday from 9:00 AM to 12:00 PM ready to assist you. As we look toward the future with total assets of over $148 million, we invite you to join us on this journey. Experience the benefits of being part of Southern Chautauqua. Whether you're looking for financial solutions or seeking a supportive community, we are here for you every step of the way. Reach out today at 716-665-7000 or visit us online at www.665-7000.com to learn more about how we can help you achieve your financial goals!

Branch Location & Accessibility

Convenient Access

At Southern Chautauqua, we prioritize accessibility. Our branch features ADA-compliant ramps and ample parking space, ensuring that all members of our community can visit us with ease. Whether you're here for a quick transaction or to discuss financial options, we strive to make your experience as comfortable as possible.

Operating Hours

We're here for you during convenient hours! You can visit us Monday through Wednesday from 9:00 AM to 4:30 PM, Thursday from 9:00 AM to 5:00 PM, Friday from 9:00 AM to 5:30 PM, and Saturday from 9:00 AM to 12:00 PM. If you have questions or need assistance outside these hours, don't hesitate to give us a call at 716-665-7000.

Services Offered

Our branch offers a variety of services tailored to meet your banking needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. Need quick cash? We provide ATM services and drive-thru banking for deposits and withdrawals. Plus, if you're looking into business banking solutions, we offer merchant services and business loans as well! While our physical location is perfect for day-to-day transactions, please note that official correspondence should be directed to our mailing address at the same location. So why wait? Come visit us at Southern Chautauqua's Lakewood branch today! We look forward to helping you with all your financial needs!

Member Eligibility

At Southern Chautauqua, we believe that everyone deserves a supportive community to help them thrive. Joining us is simple and welcoming! If you live, work, worship, or attend school in the Lakewood area, you're already eligible to become a member. We pride ourselves on being inclusive and accessible, so whether you're looking for personal banking services or financial advice, you'll find a home here. Plus, as a member, you'll enjoy a range of benefits including competitive rates and personalized service tailored to your needs. To get started with your membership at our branch located at 168 E Fairmount Ave Lakewood Ny 14750, all you need to do is visit our website for more details on eligibility and the account opening process. You can check out the full eligibility criteria here. If you have any questions or need assistance, feel free to call us at (716) 665-7000. We can't wait to welcome you into our community!

Business Banking & Commercial Services

Lending Solutions for Growth

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 That Empower

Imagine being able to process payments effortlessly while focusing on what you do best running your business. Our merchant services enable you to accept payments quickly and securely, whether you're at a retail location or on the go. This means less hassle for you and a smoother experience for your customers. Visit us at 168 E Fairmount Ave Lakewood Ny 14750 or call us at (716) 665-7000 to learn how our business banking services can help your company achieve its goals!

Comprehensive List Of Services

Business Banking Services

For our business members, we provide essential services such as merchant services and business loans that help keep your operations running smoothly. Whether you're starting out or expanding your existing enterprise, we are ready to support you every step of the way.

Come Visit Us!

We invite you to explore all these services and more at Southern Chautauqua! Our friendly team is here to assist you during our operating hours: Monday through Wednesday from 9:00 AM to 4:30 PM; Thursday from 9:00 AM to 5:00 PM; Friday from 9:00 AM to 5:30 PM; and Saturday from 9:00 AM to 12:00 PM. Feel free to give us a call at (716) 665-7000 if you have any questions or need assistance. Join us today and experience how Southern Chautauqua makes banking easier for you!

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why Southern Chautauqua offers robust online and mobile banking features. With just a few taps on your smartphone or clicks on your computer, you can manage your accounts anytime, anywhere. Check balances, transfer funds, pay bills, or deposit checks all from the comfort of home. Additionally, our ATM services allow easy cash withdrawals and balance inquiries whenever needed. If you're in a hurry or just prefer face-to-face interactions for quick transactions like deposits or withdrawals, our basic drive-thru banking is available for your convenience.

Personal Banking Solutions

Our personal banking services include checking and savings accounts that help you manage your money efficiently. Imagine having a place where your funds are not only safe but can also grow through interest. With Southern Chautauqua, you can easily set up automatic transfers to help build your savings without even thinking about it. If you're considering buying a car, our auto loans and vehicle financing options make it simple and straightforward. We understand that every member's situation is unique, so we offer personalized loan terms that fit your budget. Additionally, if you're looking to buy a home or refinance an existing mortgage, our mortgage loans provide competitive rates and flexible options to ensure you find the right fit. When life throws unexpected expenses your way, our personal loans and debt consolidation services are here for you. This way, you can tackle those bills head-on without added stress. Plus, with credit cards that offer rewards, you can earn while you spend on the things you love.

Digital & Online Banking

Convenient Access 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 you need. Our user-friendly platform ensures that you can manage your money without any hassle. Plus, with the ability to access e-statements, you can keep track of your financial history without cluttering your mailbox.

Go Mobile

For those who prefer banking on their smartphones, our mobile application brings all these features right to your fingertips. With mobile payments enabled, you can easily make purchases or send money directly from your phone. While person-to-person transfers aren't currently available, our other features allow you to manage your finances efficiently and effectively.

Real-Time Management

The ease of managing your accounts in real-time is a game changer. Whether you're depositing checks or checking transaction history, everything is just a few clicks away. Our online banking options empower you to take control of your finances like never before. At Southern Chautauqua, we're committed to providing you with innovative solutions that enhance your banking experience while keeping it secure and straightforward. Explore all our digital offerings today!

Security You Can Trust

Security is a top priority for us at Southern Chautauqua. We provide electronic signature authorization for transactions, ensuring that your approvals are safe and secure. Our robust security measures mean you can bank with peace of mind, knowing that your personal information is protected.

Financial Strength

Commitment to 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 your financial goals across various sectors with $3,440 in used auto loans and $116,863,727 in total loans and leases.

Growing Membership Trust

With total share accounts reaching 41,663, we showcase a strong and growing member base that trusts us with their finances. Additionally, net shares available for lending stand at $221,591, which further strengthens our ability to meet your needs effectively. 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 168 E Fairmount Ave Lakewood Ny 14750 or call (716) 665-7000 to learn more about how we can help you achieve your financial goals.

Member Savings and Investments

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 financial strength is also reflected in our operational efficiency, as shown by our $0. This enables us to continue offering competitive loan rates and solid financial products for our members. We 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 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.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. We have already provided over $53,544,597 in used vehicle loans and $11,859,649 in new vehicle loans to help members get on the road. We also have refinancing options available if you're looking to lower your monthly payments or adjust your loan terms.

Credit Lines and Personal Loans

If you need extra cash for unexpected expenses or projects, our credit lines provide flexibility with a total of $20,900,000 available. This gives you access to funds when you need them most. Additionally, while we currently do not offer unsecured credit card loans, our team is here to discuss how we can assist you with other financing needs. Our commitment to serving our members extends beyond just providing loans; we're here to help you navigate through your financial journey with ease. For more information about eligibility and how to apply for any of these loan products, please visit our website at Southern Chautauqua or check out our application page here. 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're proud to be part of your financial journey and look forward to helping you achieve your aspirations!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple and accessible. We offer Junior Lien 1-4 Family Residential Properties loans totaling $24,720,225, which means you can trust us to guide you through the process of securing a comfortable living space.

Loan Aggregator

Accurate Loan Comparisons

LendMesh ensures accurate loan comparisons through a rigorous sourcing process. 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 commitment to compliance guarantees that users receive fair and transparent offers.

Benefits of Using LendMesh

The benefits of using LendMesh are clear: - Verified Data: Loan offers come exclusively from legitimate financial institutions. This approach assures users of transparency in their comparisons. - No Sponsored Listings: Unlike many platforms that prioritize lenders based on paid promotions, LendMesh focuses solely on providing unbiased results. This means that users can trust they are seeing the best available options without any hidden agendas. - Real-Time Rate Comparisons: LendMesh provides up-to-date loan rates from multiple institutions, helping users make informed decisions that align with their financial needs. 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!" Such testimonials underscore the platform's reliability and effectiveness in finding competitive rates. 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.