Stewart’s Credit Union Ballston Spa NY | Affordable Auto Loans & Business Banking

Introduction

Welcome to Stewart's, your trusted financial partner located at 2911 State Route 9, Ballston Spa, NY 12020. Established in 1983, we have proudly served our community for over three decades, building lasting relationships and supporting our members through every financial journey. With a robust membership of 3,948 individuals and total assets exceeding $41,668,364, we are dedicated to providing personalized banking solutions tailored to your needs. At Stewart's, our commitment goes beyond numbers. We understand that financial well-being is essential for our members' peace of mind. That's why we offer a comprehensive range of services, including auto loans, mortgages, personal loans, and rewarding credit cards. Our experienced team is here to guide you through each step, whether you're looking to purchase a new vehicle or consolidate your debt. Under the leadership of our CEO, Angelique Lauder, and Board President John Timian, our team of 6 employees is dedicated to delivering exceptional service and fostering a welcoming environment. While you can visit us at our branch for all your banking needs, please note that official correspondence should be sent to our mailing address: PO Box 435, Saratoga Springs, NY 12866. With total deposits amounting to $12,748,255 and a net worth of $3,094,083, we take pride in ensuring that your funds are secure while helping you achieve your financial goals. Whether you're interested in opening an account or exploring loan options, we're here to assist you every step of the way. Ready to experience the Stewart's difference? Give us a call at 518-581-1201 or visit us online at stewartscu.com to learn more about how we can serve you better. Join us today and become part of a community that values trust and support in every transaction!

Branch History & Mission

Welcome to Stewart's, a credit union with a rich legacy and a strong commitment to the community of Ballston Spa, NY. Since our establishment in 1983, we have grown alongside our members, creating lasting relationships built on trust and support. Our branch is located at 2911 State Route 9, a central spot that is easily accessible for all our members. Whether you're heading to the nearby shops or enjoying the local parks, we are proud to serve you right in the heart of your community. Over the years, Stewart's has evolved significantly. From our humble beginnings, we have expanded our offerings to meet the diverse needs of our nearly 4,000 members. As of now, we proudly hold total assets of $41668364, reflecting our growth and stability. Each milestone in our journey has been marked by a focus on service ensuring that every member feels valued and supported. At Stewart's, our mission is clear: We aim to provide exceptional financial services while fostering community spirit. We believe that banking should be more than just transactions; it should be about building relationships and supporting one another. Our commitment extends beyond offering personal banking services like checking and savings accounts, auto loans, and mortgages. We also prioritize community outreach through partnerships with local organizations and initiatives aimed at making Ballston Spa a better place for everyone. Our operating hours are designed with your convenience in mind: Monday through Wednesday from 8:00 AM to 3:00 PM, and Thursday through Friday from 8:00 AM to 5:00 PM. While we currently do not offer ATM or drive-thru services, we ensure that all members have access to robust online and mobile banking options for seamless transactions anytime you need them. While you can visit us at our main branch address for any inquiries or assistance, please note that official correspondence should be sent to PO Box 435 in Saratoga Springs if necessary. We invite you to join Stewart's today! Experience firsthand how we prioritize your financial well-being while being an active part of the Ballston Spa community. Visit us online at Stewart's or call us at (518) 581-1201 for more information on membership benefits and services. Together, let's build a brighter financial future!

Branch Location & Accessibility

Accessibility and Features

At Stewart's, we prioritize accessibility for all members. Our branch is designed with features that comply with ADA standards, including ramps for easy entry and spacious layouts to accommodate everyone comfortably. Parking is available on-site, making it simple to pop in for a quick visit or a longer consultation with one of our financial experts.

Call to Action

We encourage you to come by Stewart's today! If you have any questions or need assistance before your visit, feel free to give us a call at 518-581-1201. Our team is excited to help you navigate your financial journey with ease and confidence!

Operating Hours

We understand that life can get busy! That's why we offer flexible operating hours. You can visit us Monday through Wednesday from 8 AM to 3 PM and Thursday to Friday from 8 AM to 5 PM. Our staff is ready to assist you during these times, whether you're looking to open an account or discuss loan options.

Our Location

While you can visit us at our main branch address, official correspondence should be sent to our mailing address: PO Box 435, Saratoga Springs, NY 12866. This helps us ensure that your important documents reach us without delay.

Services Offered

Stewart's provides a variety of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we have something for everyone. We also offer online and mobile banking for added convenience banking has never been easier!

Member Eligibility

Becoming a member of Stewart's feels like joining a caring community where your financial needs are prioritized. At Stewart's, located at 2911 State Route 9 in Ballston Spa, NY, we welcome individuals who live, work, or worship in the Saratoga County area. It's an inclusive space for families and individuals alike, allowing you to access a variety of services designed to enhance your financial well-being. If you're curious about whether you meet the eligibility criteria, feel free to explore more details on our website at this link. Joining is a breeze! Once you know you qualify, simply follow the easy steps outlined on our account opening page at this link. If you have any questions along the way, don't hesitate to reach out to us at 518-581-1201. We're here to help you every step of the way as you embark on this exciting journey with Stewart's!

Business Banking & Commercial Services

Financing Options for Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. While we currently have no outstanding commercial loans or specific funding figures to share, we remain dedicated to providing flexible financing solutions tailored to your needs.

Merchant Services that Matter

In addition to loans, we offer merchant services that help streamline your payment processes. Picture this: you're at a bustling event, and customers want to make quick purchases from your booth. With our merchant services, you can easily accept payments via card or mobile, ensuring that you never miss a sale. Ready to take your business to the next level? Visit us at 2911 State Route 9, Ballston Spa, NY 12020, or call us at 518-581-1201 for more information on how we can assist you!

Comprehensive List Of Services

Business Solutions

We also cater to local businesses with our Business Banking services, including Merchant Services and Business Loans. If you're an entrepreneur looking to grow your business, we provide tailored solutions that fit your unique needs.

Digital Convenience

In today's fast-paced world, convenience is key. That's why we offer comprehensive Online & Mobile Banking features that let you manage your accounts anytime and anywhere. With options like mobile payments and person-to-person transfers, handling your finances has never been easier! Need cash? Although we don't have ATMs at this location, our team is always available at 2911 State Route 9, Ballston Spa, NY 12020 to assist you personally. You can reach us at 518-581-1201 during our lobby hours: Monday through Wednesday from 8:00 AM to 3:00 PM and Thursday through Friday from 8:00 AM to 5:00 PM. At Stewart's, we believe banking should be straightforward and accessible for everyone. Explore how our range of services can meet your financial needs today! For more information or to get started with any of our services, visit us online at stewartscu.com. We look forward to serving you!

Loans Made Simple

When it comes to financing your next big purchase, Stewart's has you covered with various loan options. Our Auto Loans & Vehicle Financing make it easier than ever to hit the road in style. Picture yourself driving off in that new car without the stress of complicated financing. If you're considering buying a home, our Mortgage Loans & Refinancing services provide competitive rates and personalized service to guide you through the process. For those unexpected expenses or projects that need funding, our Personal Loans & Debt Consolidation can help manage your budget efficiently. Think of it as having a safety net when life throws curveballs your way. Plus, we offer Credit Cards with Rewards, allowing you to earn points on your purchases while enjoying financial flexibility.

Personal Banking

For those just starting out or managing their finances, our Personal Banking options include checking and savings accounts that help you keep track of your money effortlessly. Imagine having a checking account that offers easy access to your funds and a savings account where every dollar works hard for you. We understand the importance of saving for future goals, whether it's a dream vacation or a new home.

Digital & Online Banking

Key Features

Enjoy the convenience of E-Statements, which allow you to view your account statements online without the clutter of paper. You'll be notified as soon as your statements are ready, making it simple to stay organized. Plus, with our Electronic Signature Authorization, signing documents has never been easier or more secure. Need to send money to a friend? Our Person-to-Person Transfers feature lets you do that quickly and securely. No need for cash or checks; just use your smartphone or computer! If you're always on the move, our Mobile Application is perfect for you. You can make payments using Mobile Payments, check balances, and deposit checks right from your phone no trips to the branch necessary.

Security and Accessibility

Your security is our top priority. We use advanced encryption technology to keep your information safe while you bank online. This means you can focus on managing your finances without worrying about unauthorized access. With all these features at your fingertips, managing your money has never been more convenient. Experience true financial freedom with the digital banking services at Stewart's today!

Financial Strength

Commitment to Growth

With $2,656,888 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. This strategy allows us to continuously improve our offerings while keeping member interests at heart.

Focused on Member Benefits

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. Our focus is solely on enhancing your banking experience.

Growing Membership Base

With a strong and growing member base of 6,493 total share accounts, it's clear that the community trusts Stewart's with their finances. This trust empowers us to continually strengthen our offerings and enhance the services we provide. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Stewart's is your trusted partner. Visit us at 2911 State Route 9 Ballston Spa NY 12020 or call 518-581-1201 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Operational Efficiency

Our net income of $173,424 reflects our operational efficiency, 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, ensuring our branches are always ready to serve you with a knowledgeable team dedicated to your needs.

Secure Savings Options

Members' savings are secured through $1,945,523 in share certificates, offering stable and rewarding financial growth opportunities. This commitment to safeguarding your money means you can invest with confidence knowing that your funds are in good hands.

Solid Financial Health

With a net worth of $3,094,083, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 741% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Supporting Your Financial Goals

Our lending capacity supports members' financial goals across various sectors with $15,161,929 in total loans and leases. We currently have 489 used auto loans available to help you secure the vehicle you need.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $6,959,496 in used vehicle loans and $2,501,652 in new vehicle loans already helping members get on the road. We provide flexible terms to make financing your vehicle as easy as possible.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $1,673,799, make buying or refinancing simple. We strive to support our members at every step of the home-buying process.

Refinancing and Eligibility Options

If you're considering refinancing any of your existing loans, we are here to help. We offer competitive rates and personalized service to ensure you find the best solution for your financial situation. For more details on eligibility and how you can benefit from our loan products, feel free to reach out. For further information about our loan offerings or to discuss your options in detail, please don't hesitate to contact us at 518-581-1201 or visit us at 2911 State Route 9 Ballston Spa NY 12020. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Your financial success is our priority at Stewart's!

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans. While we currently have no outstanding unsecured credit card loans, this option can be a great way to manage finances effectively when available.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions. 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!" 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 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 ensures that users receive fair and transparent offers every time they compare loans.

STEWART'S FEDERAL CREDIT UNION - Ballston Spa, NY