Steel Valley Credit Union Cleveland OH | Low Mortgage Rates & Business Loans

Introduction

Welcome to Steel Valley Credit Union, your trusted financial partner located at 3840 Pearl Rd, Cleveland, OH 44109. Established in 1966, we have proudly served our community for over five decades, building a legacy of trust and reliability. With a total membership of 3,526 individuals, we strive to provide personalized banking solutions that cater to the unique needs of our members. At Steel Valley, we understand that each financial journey is different. That's why we offer a variety of services including checking and savings accounts, auto loans, mortgage refinancing, and credit cards with rewards tailored just for you. Our commitment to serving you is reflected in our impressive total assets of $22,351,960 and total deposits reaching $2,219,154. Our leadership team is dedicated to enhancing your banking experience. Under the guidance of our CEO, Irwin Caraballo, and Board President Joann Melaragno, we prioritize member satisfaction and community impact above all else. We're not just about numbers; we're about people our members are at the heart of everything we do. While members can visit us at our branch location on Pearl Rd, official correspondence should be sent to the same address: 3840 Pearl Rd, Cleveland, OH 44109-2751. Whether you need assistance or want to explore your options with one of our knowledgeable staff members who total 10 employees strong you can reach us at 216-741-9430 during our operating hours: Monday through Thursday from 9 AM to 4:30 PM, Friday from 9 AM to 6 PM, and Saturday from 8 AM to 12 PM. Join us today and discover how Steel Valley Credit Union can help you achieve your financial goals. Visit our website at Steel Valley FCU or give us a call we're here for you every step of the way!

Branch History & Mission

Commitment to Innovation

As we embrace modern banking methods, Steel Valley is dedicated to providing online and mobile banking options that cater to today's fast-paced lifestyle. Whether you're applying for a loan or checking your balance online, we've made it easier than ever for you to manage your finances on your terms.

Join Us!

We invite you to become part of the Steel Valley family. Experience firsthand how we prioritize your financial well-being while supporting the Cleveland community. For more information or to open an account today, please call us at (216) 741-9430 or visit our website at Steel Valley. Let's work together towards a brighter financial future!

Our Mission

Steel Valley's mission is clear: we strive to provide accessible financial services while uplifting our community. We believe that everyone deserves a chance at financial stability and success. Through partnerships with local organizations and various outreach efforts, we aim to make a positive impact beyond just numbers. Our operating hours Monday to Thursday from 9 AM to 4:30 PM, Friday from 9 AM to 6 PM, and Saturday from 8 AM to 12 PM ensure that we are here when you need us. Additionally, with ATM availability on-site but no drive-thru service, we focus on creating a welcoming environment for all members who walk through our doors. While members can visit us at 3840 Pearl Rd Cleveland Oh 44109, official correspondence should be sent to 3840 Pearl Rd, Cleveland, OH 44109-2751. This allows us to maintain clear communication while serving your needs directly at our branch.

Branch Location & Accessibility

Get in Touch

If you have any questions or would like more information about our services, don't hesitate to give us a call at 216-741-9430. We're excited to help you achieve your financial goals! Come visit us today at Steel Valley where community meets convenience.

Operating Hours

We want to make banking as convenient as possible. Our lobby hours are designed with your schedule in mind: we're open Monday through Thursday from 9 AM to 4:30 PM, Friday from 9 AM to 6 PM, and Saturday from 8 AM to 12 PM. This means you can find time to visit us whether you're on a lunch break or running errands over the weekend!

Parking and Accessibility

At Steel Valley, we prioritize your comfort and ease of access. Our branch offers ample parking spaces so you can stop by without any hassle. For those with mobility needs, we are proud to be ADA compliant, featuring ramps and accessible entry points to ensure everyone can bank with confidence.

Services Offered

At Steel Valley, we offer a range of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, our team is here to assist you every step of the way. Plus, if you're ever in need of cash outside of regular business hours, our ATM is available for quick withdrawals and balance checks.

Member Eligibility

At Steel Valley, we believe in creating a welcoming community where everyone feels like they belong. Becoming a member is simple and rewarding! If you live, work, or worship in the Cuyahoga County area, you're likely eligible to join us. We value our members and offer a range of benefits, from personal banking services to competitive loan options that cater to your financial needs. To learn more about the specific eligibility criteria, feel free to check out the details on our website at . Opening an account with us is designed to be as easy as possible. You can start the process online or visit us at our branch located at 3840 Pearl Rd Cleveland Oh 44109. If you have any questions or need assistance, don't hesitate to reach out by calling us at (216) 741-9430. We're here to help you every step of the way as you take this exciting step towards financial empowerment!

Business Banking & Commercial Services

Commercial 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. - 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

In addition to loans, we offer merchant services that simplify transactions for your business. Imagine a local coffee shop using our point-of-sale system to process payments quickly and easily, allowing them to focus on crafting the perfect brew rather than worrying about finances. Our tools help streamline operations so you can concentrate on what matters most growing your business. Visit us at 3840 Pearl Rd Cleveland Oh 44109 in Cleveland, OH or give us a call at (216) 741-9430 to discover how our business banking and commercial services can work for you!

Comprehensive List Of Services

Convenient Digital Banking Features

In today's fast-paced world, convenience is key. That's why Steel Valley offers robust online and mobile banking features that let you manage your accounts from anywhere at any time. Whether you want to check your balance, transfer funds, or pay bills, our platform is user-friendly and accessible. Plus, with our ATM services available for cash withdrawals and balance checks, getting cash when you need it has never been easier.

Credit Cards and Business Banking

Looking for rewards while you spend? Our credit cards with rewards program allows you to earn points on every purchase, giving you more value for your money. Additionally, if you own a business or are looking to start one, our business banking services, which include merchant services and business loans, can support your growth every step of the way.

Get Started Today!

We invite you to explore all the financial solutions available at Steel Valley in Cleveland. You can reach us at 216-741-9430 during our lobby hours: Monday through Thursday from 9 AM to 4:30 PM, Friday from 9 AM to 6 PM, and Saturday from 8 AM to 12 PM. Ready to take control of your finances? Visit us online at Steel Valley or come by our branch today! We look forward to helping you achieve your financial goals!

Personal Banking Solutions

When it comes to personal banking, we offer a variety of options designed to fit your lifestyle. Our checking and savings accounts allow you to easily manage your day-to-day finances while earning interest on your savings. If you're planning to purchase a vehicle, our auto loans and vehicle financing options make it easy for you to drive away in your dream car without breaking the bank. For those considering homeownership, our mortgage loans and refinancing services can help you secure the best rates available. We understand that managing debt can be challenging; that's why we also provide personal loans and debt consolidation options to help simplify your payments and reduce stress.

Digital & Online Banking

Key Features

Our online banking platform allows you to check balances, transfer funds, and pay bills with just a few clicks. Need to send money to a friend or family member? Our person-to-person transfer feature makes it quick and simple, ensuring that your transactions are handled securely and efficiently. If you're always on the go, you'll love our mobile application. It brings all the power of online banking directly to your smartphone, making it easier than ever to manage your account while you're out and about. Unfortunately, we currently do not support mobile payments; however, our app still gives you full control over your finances right in the palm of your hand.

Security and Accessibility

Your security is our top priority. While we don't offer electronic signature authorization for transactions at this time, rest assured that our online banking system is built with robust security features to protect your information. Plus, for those who prefer going paperless, we provide e-statements that let you keep track of your financial activity without the clutter of physical documents. With our digital banking services, managing your money has never been more accessible or user-friendly. Whether you're checking your balance late at night or transferring funds during lunch break, you can do it all with ease at Steel Valley. We're here to help simplify your banking experience!

Financial Strength

A Growing Member Base

Total Share Accounts: 5,526, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $0 further illustrate our commitment to being a reliable partner for all your financial needs. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Steel Valley is your trusted partner. Visit us at 3840 Pearl Rd Cleveland Oh 44109 or call (216) 741-9430 to learn more about how we can help you achieve your financial goals.

A Solid Foundation

With a net worth of $2,317,375, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,035 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

With $2,158,779 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 $1,579 in used auto loans and $11,975,080 in total loans and leases. Our operational efficiency is reflected in our $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 6 full-time employees and 4 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Secure Savings Options

Members' savings are secured through $433,104 in share certificates and $1,857,478 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $4,620, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $4,177,752 in used vehicle loans and $2,780,784 in new vehicle loans already helping members get on the road. We offer flexible terms and competitive interest rates on both new and used vehicle loans.

Credit Lines

For those who need extra flexibility with their finances, our total credit lines amount to $2,633,473. This option provides you with quick access to funds when you need them most. At Steel Valley, we prioritize making financing accessible for everyone. If you're interested in refinancing or learning about eligibility options for any of our loan products, don't hesitate to reach out. For more information or to begin your application process today, visit us at our branch located at 3840 Pearl Rd Cleveland Oh 44109, or call us at 216-741-9430. 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 here to assist you every step of the way!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $172,200. Our team is here to guide you through the process and help you find the best mortgage solution for your situation.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $1,958,967 in loans helping members manage their finances effectively. These cards come with rewards and benefits that can enhance your spending experience while keeping you within budget.

Loan Aggregator

Benefits of Using LendMesh

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How LendMesh Ensures 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 commitment ensures that users receive fair and transparent offers. Each loan comparison reflects the most current rates available, allowing you to make informed decisions based on trustworthy information.

STEEL VALLEY FEDERAL CREDIT UNION