Spencerport Credit Union NY | Affordable Vehicle Loans & ATM Services

Introduction

Welcome to Spencerport, your trusted financial partner since 1962. Located at 2775 Spencerport Rd, Spencerport, NY 14559, our credit union is dedicated to serving the local community with reliable and accessible banking solutions. With a proud membership of over 4,410 individuals, we strive to create a welcoming environment where everyone can thrive financially. At Spencerport, we understand that each member has unique needs. That's why we offer a variety of services including personal banking, auto loans, mortgage refinancing, and business banking solutions. Our total assets stand at an impressive $38,081,760, showcasing our commitment to growth and stability. With total deposits reaching $403,617, you can trust that your money is in safe hands. Our leadership team, headed by CEO Katherine Czarnecki and Board President Christopher Cappetta, brings a wealth of experience and dedication to our operations. Together with our team of 8 employees, we work diligently to provide top-notch service and support to our members. While you can visit us at our branch for all your banking needs, official correspondence should be directed to PO Box 86, Spencerport, NY 14559 if different from our main address. Feel free to reach out at (585) 352-6890 for any inquiries or assistance. Join us at Spencerport today and discover how we can help you achieve your financial goals! For more information about our services or to become a member, please visit our website at www.spnfcu.org. We look forward to being part of your financial journey!

Branch History & Mission

Community-Centric Approach

Our branch operates with the belief that every member deserves personalized attention and respect. With operating hours designed for your convenience Monday through Wednesday from 8:30 AM to 4 PM, Thursday from 8:30 AM to 5 PM, and Friday from 8:30 AM to 6 PM we ensure accessibility for all. While we currently do not offer ATM or drive-thru services, our team is always ready to assist you in person or via phone at (585) 352-6890. We also understand the importance of digital advancements in today's world. That's why we offer online banking services, allowing members easy access to their accounts anytime they need it.

Join Us Today!

As we reflect on our rich history and look toward an exciting future, we invite you to become part of the Spencerport family. Experience firsthand how we combine quality financial products with heartfelt community support. Visit us at 2775 Spencerport Rd or send any official correspondence to PO Box 86, Spencerport, NY 14559 if needed. Together, let's build a brighter financial future for everyone in Spencerport! For more information on how you can join us or learn about our services, visit our website today!

Our Mission

At Spencerport, our mission is simple yet profound: to provide exceptional financial services while nurturing the spirit of community. We believe that by offering personal banking solutions such as checking and savings accounts, auto loans, mortgage loans, and credit cards with rewards, we empower our members to achieve their financial dreams. But our commitment goes beyond just numbers. We strive to create lasting partnerships within the community by engaging in outreach programs and initiatives that uplift those around us. Whether it's through local sponsorships or educational workshops, we aim to foster a culture of support and encouragement.

Branch Location & Accessibility

Accessibility Features

Our branch is designed with accessibility in mind. We ensure that all members can navigate our space comfortably, with ADA-compliant features and convenient parking options available.

Get in Touch

Have questions or need assistance? Feel free to call us at (585) 352-6890. We look forward to welcoming you into our branch soon! Your financial success is our priority here at Spencerport.

Mailing Information

While members can visit us at 2775 Spencerport Rd Spencerport Ny 14559, official correspondence should be sent to PO Box 86, Spencerport, NY 14559.

Operating Hours

We know your time is valuable. That's why we're open Monday through Wednesday from 8:30 AM to 4:00 PM, Thursday from 8:30 AM to 5:00 PM, and Friday from 8:30 AM to 6:00 PM. Our welcoming staff is ready to assist you during these hours.

Services Offered

At Spencerport, we offer a range of services tailored to meet your needs. From personal banking options like checking and savings accounts to auto loans and credit cards with rewards, we have something for everyone. Plus, enjoy the ease of online and mobile banking right at your fingertips!

Member Eligibility

At Spencerport, we believe that everyone deserves a chance to be part of a caring community that supports their financial goals. Becoming a member is simple! If you live, work, worship, or attend school in Monroe County, you're already eligible to join our family. We're here to help you with everything from checking accounts to auto loans, making your banking experience personal and accessible. Want more details? You can find a complete list of eligibility criteria at this link. Once you know you're eligible, opening an account is just as easy! You can start the process by visiting us at 2775 Spencerport Rd, Spencerport, NY 14559 or give us a call at 585-352-6890 for guidance. We're excited to welcome you into our community and help you thrive financially! For more information on how to apply, check out our account opening page.

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. For those outside our membership, we also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions.

Merchant Services

In today's fast-paced marketplace, having reliable merchant services is crucial. With our tailored solutions, you can easily process payments, manage transactions, and streamline your operations all from a single platform. This ensures that you can focus on what matters most: growing your business. With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses. At Spencerport, we're more than just a bank; we're your partner in success located at 2775 Spencerport Rd Spencerport Ny 14559, Spencerport, NY. Reach out to us at (585) 352-6890 to learn how we can assist you!

Comprehensive List Of Services

Business Banking Services

For our entrepreneurial members, we provide comprehensive business banking services, including merchant services and business loans. These resources are designed to support your ventures, whether you're starting a new business or looking to expand an existing one.

Cash Withdrawal Services

While we currently do not have ATM facilities at our branch, rest assured that our team is always available during operating hours to assist with cash withdrawal services. If you're ready to explore these services further or have questions about how we can meet your financial needs, don't hesitate to reach out! Call us at (585) 352-6890 or visit us online at Main Office. Join us today and discover how Spencerport can be your trusted partner in achieving financial well-being!

Convenient Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking platforms that let you manage your accounts from anywhere at any time. With features like person-to-person payments, accessing your account has never been easier!

Credit Cards and Rewards

At Spencerport, we also offer credit cards with rewards programs that allow you to earn while you spend. Imagine enjoying benefits like cash back or travel points simply by using your card for everyday purchases.

Personal Banking Solutions

For individuals and families, our personal banking services make day-to-day financial management simple and effective. You can open checking and savings accounts tailored to fit your lifestyle, ensuring easy access to your funds whenever you need them. If you're thinking about buying a new car, our auto loans and vehicle financing options provide competitive rates that help you drive away with confidence. Need a home? Our mortgage loans and refinancing options are designed to help you secure the best possible terms for your dream home. And if you're facing unexpected expenses or wish to consolidate debt, our personal loans offer flexible solutions to get you back on track.

Digital & Online Banking

Key Features

Our online banking platform also includes Person-to-Person Transfers, making it simple to send money to friends or family without the hassle of cash. If you're someone who prefers paperless options, you'll be happy to know we offer E-Statements. This means you can easily view your statements online while helping the environment by reducing paper waste. While we currently do not support Mobile Payments or have a dedicated Mobile Application, our website is fully optimized for mobile use. This allows you to perform banking tasks directly from your smartphone or tablet with ease.

Security and Accessibility

Your security is paramount at Spencerport. While we do not utilize Electronic Signature Authorization for transactions, we ensure that all your personal information remains safe through robust security measures. Our goal is to provide a user-friendly experience so that you can focus on what matters most your financial well-being. In summary, whether you're looking to check balances or transfer funds, our digital and online banking services at Spencerport are here to simplify your banking experience while keeping your information secure. Join us today and see how easy managing your finances can be!

Financial Strength

At Spencerport, 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 understand that in today's economic climate, you want to know your money is safe and that your credit union is built on solid foundations. Our net worth of $3,265,126 showcases our strong financial health, which allows us to offer better rates, lower fees, and enhanced member services. With a net worth ratio of $857, we have established a robust capital foundation. This means we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $4,382,466 in share certificates and $1,847,787 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. We also take pride in having 7 full-time employees and 1 part-time employees dedicated to serving you with a knowledgeable and committed team. Our $3,012,685 in undivided earnings allows us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. With $982 in used auto loans and $20,559,582 in total loans and leases, our lending capacity supports members' financial goals across various sectors. Our operational efficiency is reflected in our $252,441, enabling us to continue offering competitive loan rates and solid financial products for our members. Total Share Accounts: 6,018, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Spencerport is your trusted partner. For more details or assistance, visit us at 2775 Spencerport Rd Spencerport Ny 14559 or call us at (585) 352-6890. Remember, 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 $11,805,802 in used vehicle loans and $1,643,446 in new vehicle loans already helping members get on the road. Whether you're interested in financing a new or used vehicle, our competitive rates make it easier for you to drive away happy.

Credit Lines and Personal Loans

In addition to our auto and mortgage offerings, we provide credit lines with a total of $2,000,000 available to give you the flexibility you need. If you're considering managing debts or making significant purchases, our unsecured credit card loans amounting to $467,285 can help you handle your finances effectively.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $3,749,362, make buying or refinancing simple. We offer flexible terms and support throughout the process, ensuring you feel confident in your decision.

Refinancing Options

If you're thinking about refinancing any of your existing loans, please ask us about eligibility options. We are here to guide you through the process and find solutions tailored to your financial situation. For any questions regarding our loan products or how to apply, don't hesitate to reach out at (585) 352-6890 or visit us at our branch located at 2775 Spencerport Rd Spencerport Ny 14559 in Spencerport, NY. 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 look forward to helping you navigate your financial journey with confidence!

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency in all displayed rates. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results for all users. - Real-Time Rate Comparisons: Users benefit from up-to-date loan rates from multiple institutions, which helps them make informed decisions quickly. Thousands of users trust LendMesh for their loan comparisons. One member shared, "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials highlight how effective the platform can be in meeting individual needs. Ready to take control of your loan options? 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.

Ensuring Accurate 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 rigorous sourcing process ensures that users receive fair and transparent offers. By working only with verified institutions, LendMesh guarantees that every loan comparison reflects genuine market conditions.

Spencerport