Steuben Citizens Credit Union Bath NY | Low Mortgage Rates & Auto Loans

Introduction

At Steuben Citizens Federal Credit Union, we believe that financial services should be personal, approachable, and community-focused. Established in 1949, our credit union has grown alongside our members, now proudly serving over 2,600 individuals in Bath, NY and beyond. Located conveniently at 2 Wilson Ave, Bath, NY 14810, we are dedicated to providing tailored financial solutions that meet your unique needs. Our commitment to our members goes beyond just numbers. With total assets of $35,050,669 and total deposits reaching $1,279,816, we are well-positioned to support you with a variety of services. Whether you're looking for an auto loan among our 1,057 loans and leases or want to explore our competitive savings accounts, we're here to help you achieve your financial goals. Under the leadership of CEO Brandy Holbrook and Board President Robert Brown, our team of 6 dedicated employees is passionate about making a positive impact in our community. We strive to offer a welcoming atmosphere where your financial wellness is at the forefront of everything we do. While members can visit us at our branch address for everyday banking needs, official correspondence should be sent to the same address: 2 Wilson Ave, Bath, NY 14810-1634. Ready to experience the difference? Reach out today by calling us at (607) 776-3684 or visit our website at Steuben Citizens FCU. Join us in building a stronger financial future together!

Branch History & Mission

Community Engagement

Steuben Citizens is proud of its strong ties to the local community. We actively engage in outreach efforts and partnerships aimed at supporting local initiatives. Our focus on community development drives us to participate in events and programs that uplift those around us. While members can visit us at 2 Wilson Ave, official correspondence should be sent to 2 Wilson Ave, Bath, NY 14810-1634 if it differs from our branch address.

Join Us Today!

As we look toward the future, we invite you to become part of the Steuben Citizens family. Experience personalized service and a dedication to your financial success that sets us apart. Together, let's build a brighter financial future for all! For more information about joining or exploring our offerings, please call us at 607-776-3684 or visit our website at Steuben Citizens Federal Credit Union. Your journey towards better financial health starts here!

Our Commitment to Members

Our mission extends beyond just providing financial products; we are committed to empowering individuals and families in our community. With total assets reaching an impressive $35,050,669, Steuben Citizens is dedicated to ensuring the financial well-being of our members through various services such as checking and savings accounts, auto loans, personal loans, and more. We believe that everyone deserves the opportunity to achieve their financial goals. Our commitment to innovation is reflected in our modern banking solutions. We offer online and mobile banking services that allow members to manage their accounts conveniently from anywhere. Our drive-thru service and ATM availability ensure that accessing your funds is quick and hassle-free.

Branch Location & Accessibility

Connect With Us

Ready to experience personalized banking? Feel free to call us at 607-776-3684 with any questions or simply drop by during our operating hours! We look forward to welcoming you into the Steuben Citizens family and assisting you with all your financial needs.

Operating Hours

Our lobby is open Monday through Friday from 8:00 AM to 4:40 PM, giving you plenty of time during the week to stop by when it's most convenient for you. If you're in a rush or prefer quick service, take advantage of our drive-thru banking options available at our location.

Parking and Accessibility

We understand the importance of convenient access. Our parking lot offers ample space, making it simple for you to visit us without any hassle. We also prioritize accessibility features, including ADA-compliant ramps, ensuring that everyone can enjoy our services comfortably.

Services Offered

At Steuben Citizens Federal Credit Union, we offer a wide range of services designed to meet your banking needs. From personal checking and savings accounts to auto loans and mortgages, we have everything covered. Our drive-thru allows for easy deposits and withdrawals, while our ATM provides 24/7 access for balance checks and cash withdrawals.

Member Eligibility

At Steuben Citizens, we believe that becoming a member is like joining a caring family dedicated to your financial well-being. If you're wondering how to become part of our community, it's quite simple! Anyone who lives, works, worships, or attends school in Steuben County can join us. This means that whether you're a long-time resident or new to the area, you can take advantage of the many benefits we offer. From personalized banking services to competitive loan rates and friendly support, being a member opens doors to better financial opportunities. To get started on your journey with us at Steuben Citizens, head over to our website for more detailed eligibility criteria at www.steubencitizensfcu.com/membership. When you're ready to open an account, you can easily do so online by visiting this link. If you have any questions, don't hesitate to give us a call at (607) 776-3684. We can't wait to welcome you into our family!

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. - 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 make payment processing straightforward and efficient. Imagine having a reliable way to accept payments from customers whether they prefer credit cards, debit cards, or digital wallets. This not only enhances customer satisfaction but also helps streamline your daily operations. Visit us at 2 Wilson Ave, Bath, NY 14810 or call us at 607-776-3684 to learn how our business banking and commercial services can empower your business today!

Comprehensive List Of Services

Conclusion

In summary, whether you're an individual seeking better banking solutions or a business owner looking for financial support, Steuben Citizens Federal Credit Union has got you covered. Our comprehensive suite of services includes everything from personal banking accounts to specialized loans and business solutions all designed with your convenience in mind. For any questions or to learn more about how we can assist you with your financial journey, feel free to contact us at 607-776-3684 or visit us at 2 Wilson Ave Bath NY 14810. Explore our offerings further on our website here. We look forward to serving you!

Convenient Access

Accessibility is key at Steuben Citizens Federal Credit Union. Our ATM services allow you to make cash withdrawals and check balances without stepping into the branch. If you prefer face-to-face interactions for simple transactions like deposits or withdrawals, our drive-thru service is available during lobby hours for added convenience.

Loans & Financing

If you're facing unexpected expenses or want to consolidate debt, our personal loans provide flexible solutions tailored just for you. Plus, don't forget about our credit cards that come with rewards perfect for those who enjoy earning while they spend. For local businesses in Bath looking for support, we also offer business banking services including merchant services and business loans. We understand that businesses are the backbone of our community, and we're committed to helping them thrive.

Personal Banking

Starting with personal banking, we offer checking and savings accounts designed for every lifestyle. Imagine easily managing your finances with our user-friendly online and mobile banking options. You can check balances, transfer funds, and pay bills right from your smartphone or computer, making your banking experience as convenient as possible. When it comes to financing big purchases like a new car or home, our auto loans and mortgage loans are crafted to suit various budgets and requirements. With competitive rates and personalized service, we aim to help you navigate these important decisions confidently.

Digital & Online Banking

Mobile Banking Solutions

For those who prefer using their smartphones, our mobile application offers a user-friendly interface that lets you manage your accounts effortlessly. You can make mobile payments with just a few taps or even set up person-to-person transfers though please note that this feature is currently not available. With features like these, Steuben Citizens ensures that whether you're at home or on the go, your banking experience is simple, secure, and efficient. Experience the ease of managing your finances today!

Online Banking Features

Our online banking platform, accessible at https://www.steubencitizensfcu.com/ , allows you to handle all your banking needs without stepping foot outside. You can check balances, transfer funds, and pay bills all from the comfort of your home or on the go. Plus, with 24/7 online banking services available, you have complete control over your finances whenever it suits you.

Security and Convenience

Your security is our top priority. We provide electronic signature authorization for transactions, making it easy for you to sign documents securely online. Additionally, you'll love the convenience of e-statements; they not only save paper but also allow for quick access to your financial information whenever you need it.

Financial Strength

Committed to Service Excellence

Our operational efficiency is highlighted by a net income of $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We take pride in having 6 full-time employees ready to assist you with their knowledge and dedication.

Focused on You

Unlike traditional banks, we ensure that our resources benefit you directly. With non-member deposits at $0, we focus on providing better loan rates, lower fees, and exclusive perks for our members.

Growth Through Trust

Our community's trust is evident with 4,797 showing a strong and growing member base that relies on us for their financial needs. With net shares available for lending and investments totaling $1,337,629, we are well-equipped to support your ambitions. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Steuben Citizens is your trusted partner. Visit us at 2 Wilson Ave Bath Ny 14810 or call (607) 776-3684 to learn more about how we can help you achieve your financial goals.

Investing in Our Future Together

With $4,006,123 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve you better. Our lending capacity supports your financial goals across various sectors with $336 in used auto loans and $7,064,533 in total loans and leases.

Member-Centric Savings

Members' savings are secured through $4,241,398 in share certificates, offering stable and rewarding financial growth opportunities. We prioritize our members' needs above all else. This commitment is reflected in our careful management of resources.

Strong Financial Health

With a net worth of $4,006,123, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,143 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 $2,568,499 in used vehicle loans and $789,329 in new vehicle loans already helping members get on the road. We provide financing options for both new and used vehicles, ensuring that you can find the right fit for your budget and lifestyle.

Credit Lines

In addition to these products, we provide access to credit lines totaling $1,760,000. This option gives you the flexibility to borrow when you need it while only paying interest on what you use.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $32,656, giving you the support you need as you navigate the path to owning a home.

Refinancing Options

If you're looking to lower your monthly payments or secure a better interest rate on existing loans, refinancing options are available. Our team is here to guide you through the process and help determine your eligibility. For more information about our loan offerings or to explore eligibility options, please don't hesitate to reach out at 607-776-3684 or visit us at 2 Wilson Ave Bath NY 14810. Our branch hours are Monday through Friday from 8:00 AM - 4:40 PM EST. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. At Steuben Citizens, we're committed to helping our members succeed financially with accessible lending solutions tailored just for you.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $275,361 in loans helping members manage their finances effectively. Whether you need to cover unexpected expenses or want to consolidate debt, our credit card options are designed to work for you.

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STEUBEN CITIZENS FEDERAL CREDIT UNION