Sunmark Credit Union Schenectady NY | Cheap Mortgage Refinance & Auto Loans

Introduction

Welcome to Sunmark, where your financial well-being is our top priority! Nestled in the heart of Schenectady at 404 Princetown Rd, NY 12306, our Five Corners Branch has been serving the community since 1937. With over 90,000 members and growing, we pride ourselves on creating a welcoming environment where everyone feels valued. At Sunmark, we understand that each member's financial journey is unique. That's why we offer a diverse range of services tailored to meet your needs from checking and savings accounts to auto loans and business banking solutions. As of now, our total assets stand at an impressive $1,142,756,705, with total deposits reaching $52,400,888. Our commitment to you is reflected in our robust financial foundation and customer-centric approach. Under the leadership of our dedicated CEO, Jerilee Beaudoin, and Board President Kristen Myers, our team of 255 employees is here to guide you through every step of your financial journey. We also hold a net worth of $104,986,046 and have a strong cash reserve of $9,962,388 ensuring we can support you effectively. While members can visit us at our branch for personalized assistance, official correspondence should be sent to our mailing address: PO Box 16370, Albany, NY 12212-6370. Whether you're looking to open an account or explore loan options, we're just a phone call away at 866-786-6275. Join us today at Sunmark and experience the difference a committed credit union can make in your life! Visit us online at sunmark.org or drop by for a chat; we can't wait to meet you!

Branch History & Mission

Our Mission

At Sunmark, our mission is clear: to empower our members with financial tools that foster growth and stability while supporting the communities we serve. We believe that strong financial health leads to thriving communities. That's why we actively engage in outreach programs and partnerships with local organizations to promote financial literacy and assist those in need. While you can visit us at 404 Princetown Rd, please note that official correspondence should be sent to PO Box 16370, Albany, NY 12212-6370 if you're reaching out via mail. We invite you to experience what makes Sunmark different. With operating hours designed around your schedule Monday through Tuesday from 9:00 AM to 4:30 PM; Wednesday from 10:00 AM to 4:30 PM; Thursday and Friday from 9:00 AM to 6:00 PM; and Saturday from 9:00 AM to 1:00 PM we're here when you need us most. Join us today and discover how Sunmark can help you achieve your financial goals while making a positive impact in Schenectady and beyond. Reach out at 866-786-6275 or visit us online at sunmark.org. Together, let's build a brighter future!

Our Story

The journey of Sunmark began with a simple yet powerful vision: to offer accessible and affordable financial services to everyone in our community. Over the years, we have expanded our offerings from traditional savings and checking accounts to include auto loans, mortgages, personal loans, and business banking solutions. Each step of our evolution reflects our dedication to meeting the diverse needs of our members. As we established ourselves in Schenectady, we embraced technology advancements that allow us to serve you better. Today, we provide online and mobile banking options, ensuring that you can manage your finances conveniently from anywhere. Additionally, we prioritize ADA compliance so all members can access our services with ease.

Branch Location & Accessibility

Finding Us

We know how important convenience is when it comes to banking. At our Five Corners Branch, we offer ample parking and are committed to accessibility for all our members. The branch complies with ADA standards, ensuring everyone can access our services comfortably.

Get in Touch

If you have any questions or need assistance, feel free to call us at 866-786-6275. We encourage you to come visit us at the Five Corners Branch; our friendly staff is ready and waiting to help you with all your financial needs. While members can visit us at 404 Princetown Rd Schenectady Ny 12306, official correspondence should be sent to PO Box 16370, Albany, NY 12212-6370. Join us today at Sunmark where your financial goals are within reach!

Operating Hours

Our doors are open to serve you during friendly hours: Monday through Tuesday from 9 AM to 4:30 PM, Wednesday from 10 AM to 4:30 PM, Thursday and Friday from 9 AM to 6 PM, and Saturday from 9 AM to 1 PM. We are closed on Sundays. These hours make it easy for you to visit us at a time that suits your schedule.

Services Offered

At Sunmark, we pride ourselves on providing a wide range of services tailored just for you. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we have something for everyone. Plus, our online and mobile banking services allow you to manage your finances anytime, anywhere just another way we're making banking easier for you!

Member Eligibility

At Sunmark, we believe that everyone deserves a chance to belong to a supportive community. Becoming a member is an easy and welcoming process! If you live, work, worship, or attend school in the area surrounding 404 Princetown Rd Schenectady Ny 12306, you are likely eligible for membership. We also open our doors to family members of current members. This means that even if you're not directly connected to us, you can still join in on the benefits and services we offer. Joining Sunmark opens up a world of financial opportunities, from personal banking solutions to loans and credit options tailored just for you. You can explore all the details about membership eligibility by visiting http://www.sunmark.org/membership/open-account . When you're ready to take the next step, opening your account is simple just check out our account opening information at http://www.sunmark.org/membership/open-account or give us a call at (866) 786-6275. We can't wait to welcome you into our community!

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 $328 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $1 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $118,440,255, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

Imagine having the tools to streamline your transactions and enhance customer experiences. Our merchant services provide just that allowing you to accept payments easily and securely. This means more time focusing on what you do best: running your business. Located at 404 Princetown Rd Schenectady Ny 12306 in Schenectady, NY, we're here to partner with you on your journey toward success. Reach out at (866) 786-6275 to learn how we can help your business thrive!

Comprehensive List Of Services

Accessibility When You Need It

Though we do not have ATMs or drive-thru service at this location, our lobby hours are designed for your convenience: Monday through Tuesday from 9:00 AM to 4:30 PM, Wednesday from 10:00 AM to 4:30 PM, Thursday and Friday until 6:00 PM, and Saturday from 9:00 AM to 1:00 PM. We're closed on Sundays but always available via phone at (866) 786-6275 for any questions or assistance. In summary, whether you're managing day-to-day finances or planning for the future, Sunmark offers the services you need to achieve financial success. Visit us at 404 Princetown Rd Schenectady Ny 12306, explore our offerings further at Five Corners Branch, or call us today! Your financial well-being is our priority.

Business Banking Solutions

If you're a business owner, you'll find valuable support at Sunmark. Our business banking services include merchant services and business loans tailored to help your company thrive. Whether you're just starting out or looking to expand, we have the tools and resources you need.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking features. With just a few taps on your smartphone or clicks on your computer, you can manage accounts, pay bills, transfer money using person-to-person payments, and much more. Our commitment to digital banking means you have access to your finances whenever and wherever you need them.

Personal Banking Services

Our personal banking options are designed for everyone, from first-time savers to seasoned investors. You can open a checking or savings account that fits your lifestyle and goals. If you're considering buying a new car or refinancing your current vehicle, our auto loans and vehicle financing options make it easy and affordable. We also offer mortgage loans and refinancing solutions to help you secure your dream home while keeping your monthly payments manageable.

Personal Loans and Credit Cards

For those unexpected expenses or opportunities, our personal loans provide a flexible way to get the funds you need without the stress. Plus, with our credit cards that come with rewards, you can earn points on everyday purchases turning spending into saving!

Digital & Online Banking

Key Services

Visit us online at https://www.sunmark.org/ to access our user-friendly online banking platform. Here, you can check your account balances, review transactions, and transfer money all from the comfort of your home or on the go. With 24/7 online banking services available, you can manage your finances anytime, ensuring that you're always in control. Need to send money to a friend? Our person-to-person transfer feature makes it simple. You can quickly send funds without needing cash or checks, making sharing expenses easier than ever. And if you're looking for a way to pay while out shopping, our mobile payments feature lets you use your phone for quick transactions no wallet required!

Security and Accessibility

Your security is our top priority. At Sunmark, we use electronic signature authorization to protect your personal information and ensure that your transactions are safe. Plus, with e-statements available, you can keep track of your finances without the clutter of paper statements. You'll receive notifications when new statements are ready for review, so you'll always stay informed. For those who prefer managing their accounts through an app, our mobile application is available for download. It offers all the features of online banking right in your pocket, allowing you to deposit checks and monitor your spending with ease. In today's fast-paced world, having access to reliable banking options is crucial. Whether you're checking balances during a lunch break or transferring money while commuting, Sunmark provides the tools you need for real-time account management. Experience the ease of digital banking today!

Financial Strength

Commitment to Growth

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 253 full-time employees and 2 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. The total number of share accounts stands at 158,166, showing a strong and growing member base that trusts us with their finances.

Investment in Services

With $96,407,328 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 with $13,779 in used auto loans and $981,738,508 in total loans and leases.

Member-Centric Savings

Members' savings are secured through $330,700,261 in share certificates and $124,406,971 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 Financial Health

With a net worth of $104,986,046, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $918 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Your Trusted Partner

Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Sunmark is your trusted partner. Visit us at 404 Princetown Rd Schenectady Ny 12306 or call (866) 786-6275 to learn more about how we can help you achieve your financial goals.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $190,866,135 in used vehicle loans and $53,268,173 in new vehicle loans already helping members get on the road. Whether you're looking for financing on a brand-new model or a reliable used vehicle, our team is here to guide you through the process.

Business Loans

For business owners, our outstanding commercial loans totaling $118,440,255 provide the capital needed to grow and expand. We're dedicated to supporting local businesses and helping them thrive in the community.

Credit Lines

In addition to traditional loan offerings, we provide access to credit lines totaling $224,563,645. This option allows for flexibility when unexpected expenses arise or when you want to make larger purchases without the hassle of applying for multiple loans. At Sunmark, we're committed to making financing accessible and straightforward. We also have options for refinancing existing loans if you're looking for better rates or terms. For more information about eligibility and how you can benefit from our services, please visit us online at https://www.sunmark.org/ or give us a call at (866) 786-6275. 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 help you take the next step towards achieving your financial dreams!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $173,699,540, make buying or refinancing simple. We aim to provide clear terms and competitive rates that fit your budget.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $38,848,382 in loans helping members manage their finances effectively. Our credit cards come with rewards that can help you save as you spend.

Loan Aggregator

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SUNMARK CREDIT UNION