Suffolk Credit Union West Babylon NY | Quick Personal Loans & Checking

Introduction

Welcome to Suffolk, your trusted partner in financial services located at 50 Route 109, West Babylon, NY 11704. Established in 1967, we have proudly served our community for over five decades, building lasting relationships with our 73,151 members. At Suffolk, we understand that managing finances can be overwhelming, which is why we are committed to providing personalized service and a variety of financial solutions tailored to meet your needs. With total assets of $1,886,018,898 and total deposits reaching $176,594,559, we are well-equipped to support you through every stage of your financial journey. Our diverse offerings include personal banking products like checking and savings accounts, auto loans, mortgage options, and credit cards with rewards. For businesses, we offer merchant services and business loans to help you thrive. Under the leadership of our dedicated CEO, Michele Dean, and Board President James Maggio Jr., our team of 211 employees is here to ensure you receive exceptional service every time you visit or call us at 631-924-8000. While members can visit us at our branch location for assistance or transactions including drive-thru services official correspondence should be sent to our mailing address: 50 Route 109 # 110, West Babylon, NY 11704-6208. At Suffolk, we take pride in our strong community ties and strive to make a positive impact in the lives of our members. With a net worth of $162,592,369 and cash on hand totaling $12,478,146, you can trust that your finances are secure with us. We invite you to explore our website at suffolkcu.org for more information about our services or stop by our branch during lobby hours: Monday-Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 2 PM. Let's work together towards your financial success!

Branch History & Mission

Community Connections

Suffolk actively participates in community outreach initiatives aimed at strengthening ties with local organizations and residents. Through partnerships and volunteer efforts, we aim to give back to the communities we serve. Whether it's sponsoring local events or supporting educational programs, our goal is to make a difference right here at home. While members can visit us at our branch location for personalized service during our operating hours Monday through Thursday from 9 AM to 5 PM; Friday from 9 AM to 6 PM; and Saturday from 9 AM to 2 PM official correspondence should be sent to our mailing address: 50 Route 109 # 110, West Babylon, NY 11704-6208. We invite you to join the Suffolk family today! Experience firsthand the benefits of being part of a cooperative that truly cares about its members and community. Call us at 631-924-8000 or visit us online at suffolkcu.org for more information on how we can help you achieve your financial aspirations. Together, let's build a brighter future!

Our Mission

At the heart of Suffolk's mission is our desire to empower our members through quality financial services while fostering community growth. We believe in creating lasting relationships built on trust and mutual support. By focusing on member satisfaction and community engagement, we strive to make a positive impact in West Babylon and beyond. In addition to traditional banking services, we embrace technology to enhance your experience. With features like online banking, mobile payments, and e-statements available at your fingertips, managing your finances has never been easier. Our branch also offers ATM access and drive-thru banking for those who prefer convenience.

Branch Location & Accessibility

Operating Hours

We understand that your time is valuable. That's why we offer flexible operating hours to accommodate your busy schedule. Our lobby is open Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 2 PM. Whether you need assistance with personal banking or just want to inquire about our services, we're here for you when you need us.

Services Offered

At Suffolk Credit Union, we pride ourselves on providing a variety of financial services tailored to meet your needs. From checking and savings accounts to auto loans and mortgage refinancing, our team is ready to assist you in achieving your financial goals. We also offer basic drive-thru banking for quick transactions and ATM access for your convenience. If you have any questions or need assistance, please don't hesitate to reach out! You can give us a call at 631-924-8000. We look forward to welcoming you soon!

Member Eligibility

Joining the community at Suffolk is a wonderful step towards gaining access to personalized financial services tailored just for you. Membership is open to individuals who live, work, worship, or attend school in the area surrounding our branch at 50 Route 109 110 West Babylon Ny 11704. This means that if you're part of our vibrant local community, you're likely eligible to become a member! By choosing Suffolk, you'll enjoy a range of benefits including competitive rates on loans and savings, access to convenient online and mobile banking services, and the friendly support of our dedicated team. To get started on your membership journey, feel free to reach out at (631) 924-8000 for assistance or visit our website for more detailed eligibility information at . We can't wait to welcome you to our growing family!

Business Banking & Commercial Services

Loan Options That Fuel Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $138 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $18 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $181,426,711, we continue to drive economic growth by financing new and expanding businesses.

Practical Merchant Services

Imagine being able to accept payments seamlessly, manage your cash flow efficiently, and provide excellent service to your customers all in one place. Our merchant services empower you to do just that. By streamlining payment processing, we enable you to focus on what matters most: growing your business. Located at 50 Route 109 110 West Babylon Ny 11704 in West Babylon, NY, we're here to help you navigate the financial landscape with ease. Connect with us today at (631) 924-8000 to explore how our business banking solutions can work for you!

Comprehensive List Of Services

Convenient Access Points

We also understand the importance of convenience in banking. With ATM access available at various locations, withdrawing cash or checking balances becomes hassle-free. If you prefer in-person service, our drive-thru banking allows for simple transactions without leaving your car. In addition to these core services, we ensure you can access everything digitally through features like e-statements and mobile payments making it easier than ever to stay on top of your finances. If you're ready to explore all the ways Suffolk can support you financially, don't hesitate to reach out! Call us at (631) 924-8000 or visit us at West Babylon Branch today!

Credit Cards with Benefits

Looking for a credit card? We offer credit cards with rewards that give back on everyday purchases. Whether you're planning for a vacation or just want to earn points on groceries, our credit cards are designed to work for you. Plus, managing your card online means tracking rewards has never been simpler.

Home Sweet Home

If owning a home is on your mind, our mortgage loans and refinancing services make it easier than ever. Picture yourself in the perfect home with affordable monthly payments that fit right into your financial plan. Our friendly team will guide you through the entire process, ensuring you understand every step along the way.

Personal Banking Solutions

Managing your finances is crucial, and that's why we offer personal banking services that include checking and savings accounts tailored to your lifestyle. Imagine having a checking account that helps you track your spending effortlessly. With our online and mobile banking options, keeping an eye on your finances is just a click away. You can easily transfer funds, pay bills, and check your balance anytime, anywhere.

Support for Businesses

For those who run businesses or are looking to start one, our business banking services include merchant services and business loans. We know how important it is for entrepreneurs to have reliable financial support. That's why we offer personalized solutions to help your business thrive.

Vehicle Financing Made Easy

Are you considering buying a new car? Our auto loans and vehicle financing options are here to help you drive off with confidence. We understand that purchasing a vehicle is a significant investment, which is why we work hard to provide competitive rates and flexible terms that suit your budget. You can get pre-approved quickly and start shopping for your dream car today!

Digital & Online Banking

Key Services Offered

With just a click or tap, you can access our comprehensive online banking services at http://www.suffolkcu.org . Whether you're checking your balance, transferring funds, or paying bills, our user-friendly interface makes it all accessible 24/7. You won't have to wait for branch hours; everything you need is available when it suits you best. We also offer electronic signature authorization, so signing documents is quick and hassle-free. No more printing and scanning just sign electronically and you're done! Plus, with e-statements available, keeping track of your transactions has never been easier. You can view your statements anytime without the clutter of paper copies.

Mobile Features for On-the-Go Banking

For those who prefer banking on the go, our mobile application is perfect for you! It provides all the capabilities of our online banking platform right in your pocket. You can even make mobile payments with ease and send money to friends or family through our person-to-person transfer feature. At Suffolk, we prioritize your security. Our systems are designed to keep your information safe while providing you with the flexibility to manage your finances anytime and anywhere. Enjoy real-time account management that fits into your lifestyle effortlessly. In summary, our digital and online banking options empower you to take charge of your financial journey while ensuring that every interaction is secure and straightforward. Join us today at Suffolk and experience the convenience of modern banking!

Financial Strength

Commitment to Growth and Innovation

With $161,643,778 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is robust as well; we currently have $1,205,763,000 in total loans and leases supporting various member financial goals. This includes $7,864 in used auto loans that help members finance their vehicle needs.

Efficient Operations

Our operational efficiency is reflected in our net income of $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 194 full-time employees and 17 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team.

Growing Membership Base

Total Share and Deposit Accounts: 163,823, showing a strong and growing member base that trusts us with their finances. This trust allows us to thrive while prioritizing your needs. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Suffolk is your trusted partner. Visit us at 50 Route 109 110 West Babylon Ny 11704 or call 631-924-8000 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings Solutions

Members' savings are secured through $676,340,825 in share certificates and $81,864,674 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.

Strong Capital Foundation

With a net worth of $162,592,369, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 862% 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 $117,124,816 in used vehicle loans and $41,611,715 in new vehicle loans already helping members get on the road. Whether you're considering a brand-new model or a reliable pre-owned vehicle, we provide flexible financing options that fit your budget.

Credit Lines

For added flexibility in managing expenses, our total credit lines amount to $335,882,969. These lines allow you to access funds as needed without the hassle of applying for new loans each time.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $211,914,328, make buying or refinancing simple. We strive to provide competitive rates and terms that help you secure the home you've always wanted.

Refinancing Options

If you're already carrying loans from other institutions and are looking for better rates or terms, we encourage you to explore our refinancing options. We aim to simplify your financial journey while potentially saving you money on interest. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Our commitment is to provide personalized service and support throughout your borrowing experience. If you have any questions or would like assistance in choosing the right loan product for you, don't hesitate to call us or visit our branch!

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $13,083,701 in loans helping members manage their finances effectively. This option is perfect for those looking to consolidate debt or simply have access to funds when needed.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency in what users see. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions its goal is to provide unbiased results that reflect true market conditions. - Real-Time Rate Comparisons: Users benefit from up-to-date loan rates from multiple institutions, helping them make confident choices. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This testimonial highlights how effective and user-friendly LendMesh can be for individuals seeking the best financial deals. For those looking to compare real-time loan offers today, visit LendMesh and discover 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.*

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 sourcing approach guarantees fair and transparent offers, allowing users to make informed decisions about their borrowing options.

SUFFOLK FEDERAL CREDIT UNION - West Babylon, NY