Stratton Air National Guard Credit Union Schenectady NY

Introduction

Welcome to Stratton Air National Guard, a proud member of the Schenectady community since 1956. Located at 1760 State St, Schenectady, NY 12304, we are more than just a credit union; we are your financial partner dedicated to serving our 866 members. With total assets of $832,591 and deposits amounting to $376,104, we strive to provide a safe and reliable banking experience tailored to your needs. At Stratton Air National Guard, we understand the importance of building trust within our community. Under the leadership of our CEO, Barbara Secore, and Board President, Garry Quick, our team of 2 employees is committed to ensuring that every member feels valued and supported. Whether you are looking for loans or savings solutions, we have a variety of options with a total loan portfolio of 55 loans available. Our mission is not just about numbers; it's about making a positive impact in your financial journey. We believe in empowering our members with the tools they need to achieve their goals. With a net worth of $335,859 and cash on hand totaling $6,740, you can trust that your finances are in capable hands. While you can visit us at our branch address for all your banking needs, please direct any official correspondence to the same address: 1760 State St, Schenectady, NY 12304. Our doors are open Monday through Friday from 9 AM to 5 PM, ready to assist you with personalized service. Join us today and discover the difference that a member-focused credit union can make. For any inquiries or assistance, don't hesitate to reach out at 518-374-1428. We look forward to welcoming you into our family!

Branch History & Mission

Community Focus

At Stratton Air National Guard, we understand that true success goes beyond numbers. That's why we actively engage in partnerships and outreach programs designed to uplift our local community. We aim to create positive change by supporting local initiatives and providing educational resources that empower individuals and families alike. Though we currently do not offer ATM services or drive-thru banking, we are committed to ensuring a convenient experience for all our members through attentive service during lobby hours.

Join Us

We invite you to become part of the Stratton Air National Guard family. Experience firsthand how we can assist you with your financial goals while being a supportive neighbor in Schenectady. Call us today at (518) 374-1428 or visit us during our operating hours. Together, let's build a brighter future!

Mission Statement

Our mission is simple yet powerful: to provide exceptional financial services while supporting the community around us. We believe that everyone deserves access to quality banking services, and we strive to ensure that each interaction is rooted in care and respect. Whether you are looking for savings accounts, loans, or financial advice, we are here to help you navigate your financial journey with confidence. While members can visit us at 1760 State St Schenectady Ny 12304, official correspondence should be sent to 1760 state st, schenectady, NY 12304 if different. Our operating hours are Monday through Friday from 9 AM to 5 PM, allowing ample time for you to come in and discuss your needs with our dedicated team.

Our Legacy

Since opening our doors, Stratton Air National Guard has focused on fostering a culture of inclusivity and support. We have seen tremendous growth over the years, with total assets now standing at an impressive $832,591. This growth reflects not just our financial stability but also our commitment to helping our members achieve their dreams through personalized financial solutions.

Branch Location & Accessibility

Nearby Landmarks and Accessibility

While visiting us, you'll find plenty of parking available, ensuring a hassle-free experience when you come in. Our branch is fully accessible, with ADA-compliant features including ramps and wide doorways to accommodate all members. Whether you're stopping by for a quick transaction or need assistance with a loan, our friendly staff is here to help.

Operating Hours and Services Offered

Our lobby hours are from 9 AM to 5 PM, Monday through Friday, making it convenient for you to visit during your schedule. Though we don't have ATM services or drive-thru banking at this location, our team is ready to assist you inside the branch with various services tailored to your financial needs. If you prefer to reach out first, feel free to give us a call at 518-374-1428. While members can visit us at 1760 State St for all their banking needs, official correspondence should be sent to the same address for consistency. We invite you to stop by and see how we can support your financial journey!

Member Eligibility

Becoming a member of Stratton Air National Guard is like joining a caring family where your financial well-being matters. If you're looking to connect with a community that puts members first, you might be just the right fit! To become part of our supportive network, you'll need to meet some simple eligibility criteria. Generally, individuals connected to the Stratton Air National Guard or their family members can join us. This means if you have a loved one serving or you're part of this branch yourself, we'd love to welcome you in! For the most up-to-date details about eligibility, check out our resource at . Opening an account is straightforward and designed for your convenience. Just visit us at our friendly location at 1760 State St Schenectady Ny 12304, or give us a call at (518) 374-1428 to get started. Our team is here to help make the process smooth and enjoyable. Join us today and experience the benefits of being part of Stratton Air National Guard!

Business Banking & Commercial Services

Merchant Services That Make Sense

Imagine running your business with ease, knowing that your payment processing is handled efficiently. Our merchant services simplify transactions, allowing you to focus on what matters most growing your business. From point-of-sale systems to online payment solutions, we tailor our services to meet the needs of local businesses in Schenectady. At Stratton Air National Guard, we are dedicated to helping local businesses succeed by offering resources and support that make a real difference. Reach out today at (518) 374-1428 to learn more about how we can assist you on your path to success!

Tailored Lending Solutions

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. While we currently have no member or non-member commercial loans, our aim is to provide personalized solutions that help businesses thrive in Schenectady, NY. Whether you're looking to expand your operations, invest in new equipment, or manage cash flow, our team is here to guide you every step of the way.

Comprehensive List Of Services

Community Connection

At Stratton Air National Guard, we believe in building strong relationships within the community. We are proud to serve members who share a commitment to mutual support and growth. Whether you're just starting out or looking for ways to optimize your savings and spending, we're here for you every step of the way. If you're ready to learn more about how we can assist you or if you have questions regarding our ATM services, don't hesitate to reach out! You can call us at (518) 374-1428 and speak with one of our friendly team members. We're excited to help you achieve your financial goals! Visit us at 1760 State St Schenectady Ny 12304 in Schenectady, NY, and discover how Stratton Air National Guard can make a difference in your financial life today!

Convenient Access Anytime

In today's fast-paced world, having access to your finances whenever you need it is essential. While we currently offer ATM services only, our commitment to enhancing member experiences means we're continually exploring ways to expand our offerings. Our branch hours are designed for your convenience, open Monday through Friday from 9 AM to 5 PM, making it easy for you to stop by when it fits into your schedule.

Personalized Financial Support

Whether you're looking to manage your money more effectively or need assistance with transactions, Stratton Air National Guard offers ATM services that provide convenient access to your funds. Imagine being out shopping or managing daily errands; with our ATM services, you can easily withdraw cash or check your balance without the hassle of long lines. We focus on making banking as straightforward as possible so you can spend more time doing what you love.

Digital & Online Banking

Key Features

Imagine checking your account balance or transferring funds from the comfort of your home. Though we don't offer electronic signature authorization or mobile payments right now, we focus on keeping your information safe and sound. We take security seriously, ensuring that all transactions and communications are protected. For members who enjoy staying organized, while e-statements are not available yet, consider how easy it is to monitor your spending and track your finances when they do become an option! If you're looking for quick transfers between friends or family, please note that person-to-person transfer features are also unavailable at this time. However, we're always exploring ways to enhance our services based on member feedback. We may not have a mobile application at the moment, but our team is dedicated to providing a user-friendly experience through our website. Although 24/7 online banking services are not offered now, rest assured that when they are available, you'll be able to access your accounts anytime you need. At Stratton Air National Guard, we prioritize accessibility and ease-of-use in every service we provide. Your financial well-being is important to us, and we're here to support you every step of the way as we continue to grow and improve our digital offerings.

Financial Strength

Growing Membership Base

Total Share Accounts stand at 774, showing a strong and growing member base that trusts us with their finances. This trust enables us to build even more value for you as we grow together. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Stratton Air National Guard is your trusted partner. Visit us at 1760 State St Schenectady Ny 12304 or call (518) 374-1428 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.

Investing in Your Future

With $191,096 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Our lending capacity supports your financial goals across various sectors with $19 in used auto loans and $441,786 in total loans and leases.

Member-Centric Savings

Members' savings are secured through $101,743 in share certificates, offering stable and rewarding financial growth opportunities. While we focus on serving our members, it's important to note that we also have $0 in non-member deposits. Unlike traditional banks, we prioritize our members, ensuring that our resources are dedicated to benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our $7,096 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 0 full-time employees and 2 part-time employees who ensure our branches are always ready to serve you with a knowledgeable, committed team.

Solid Financial Health

With a net worth of $335,859, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $4,034 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 $199,419 in used vehicle loans and $77,996 in new vehicle loans already helping members get on the road, you can drive with confidence knowing you have a great deal. We also provide refinancing options if you're looking to lower your monthly payments or interest rates on an existing auto loan.

Credit Lines

For those who need flexibility in managing finances, our total credit lines amounting to $46,000 provide just that. These lines of credit can help cover unexpected expenses or larger purchases without breaking the bank.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer various solutions for different needs, including Junior Lien 1-4 Family Residential Properties loans totaling $0. Our experienced staff will assist you every step of the way to ensure you find the right mortgage product that fits your budget.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $0 in loans helping members manage their finances effectively. This option allows you to make purchases while benefiting from manageable repayment plans. Whether it's for a vehicle, home, or simply easing financial pressures, our loan offerings are designed with your success in mind. Reach out to us at (518) 374-1428 during our business hours from Monday to Friday between 9 AM and 5 PM for more information or assistance with your application. 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 achieve your financial dreams!

Loan Aggregator

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STRATTON AIR NATIONAL GUARD FEDERAL CREDIT UNION - Schenectady, NY