Teachers Credit Union Smithtown NY | Best Auto Loans & Business Banking

Introduction

Welcome to Teachers, your trusted financial partner in the heart of Smithtown, NY! Located at 47 Route 111, we have proudly served our community since 1952, helping families and individuals achieve their financial goals. With a robust membership base of over 476,608 members and total assets reaching an impressive $9,817,494,290, we are committed to providing personalized service and a range of banking solutions tailored to your needs. At Teachers, we understand that financial well-being is about more than just numbers it's about people. That's why our dedicated team of 867 employees, led by CEO Brad Calhoun and Board President Timothy Southerton, works tirelessly to ensure you receive exceptional service and support. Whether you're looking for auto loans, mortgages, or everyday banking services, our goal is to empower you with the right tools for success. While members can visit us at our branch location, official correspondence should be sent to our mailing address: PO Box 9005, Smithtown, NY 11787. If you ever have questions or need assistance, don't hesitate to reach out at 631-698-7000. Join us in making a positive impact in our community as we continue to grow together. Explore the benefits of membership today by visiting our website at Teachers. We look forward to welcoming you into our family!

Branch History & Mission

Commitment to Accessibility

We are dedicated to making banking accessible for everyone. Our drive-thru service allows for quick transactions without leaving your vehicle, while ATM availability ensures you can manage your finances around the clock. Additionally, our shared service center expands your access further by allowing transactions with partner credit unions. As we look ahead to the future, we invite you to become part of our growing family at Teachers. Experience firsthand the benefits of membership where your needs come first and where together we can make a positive impact in Smithtown and beyond. Join us today!

Community Focus

Our mission goes beyond just providing financial services. We believe in being a pillar of support for the Smithtown community. Through various partnerships and outreach efforts, we engage with local schools and organizations to promote financial literacy and community development. We understand that a strong community is built on mutual support and trust. While members can visit us at our branch address, official correspondence should be sent to PO Box 9005, Smithtown, NY 11787 if needed. Our operating hours are designed to accommodate your schedule: Monday through Thursday from 9:00 AM to 5:00 PM, Friday from 9:00 AM to 6:00 PM, and Saturday from 9:00 AM to 2:00 PM.

Branch Location & Accessibility

Call to Action

We invite you to visit our friendly staff at the Teachers branch in Smithtown. Whether you're looking for financial advice or need assistance with your account, we're here for you! Come see how we can help you achieve your financial goals today!

Convenient Access

Our branch is situated near several local landmarks, making it a breeze to find. If you're coming from downtown Smithtown, just a short drive will bring you right to our doorstep. We pride ourselves on providing ample parking space, ensuring that your visit is hassle-free. Plus, our facility is ADA compliant, featuring accessible ramps and entrances for all members.

Operating Hours

We know your time is valuable. That's why we offer flexible hours to accommodate your busy schedule. Our lobby hours are Monday through Thursday from 9:00 AM to 5:00 PM, Friday until 6:00 PM, and Saturday from 9:00 AM to 2:00 PM. Feel free to stop in during these times or give us a call at 631-698-7000 if you have any questions!

Services We Offer

At Teachers Credit Union, we offer a variety of services tailored to meet your banking needs. From checking and savings accounts to auto loans and mortgages, we've got you covered. Need cash? You can easily withdraw money at our ATM or use our drive-thru service for quick deposits and withdrawals. If you're a member of another participating credit union, take advantage of our shared service center for additional convenience. While members can visit us at 47 Route 111, official correspondence should be sent to PO Box 9005, Smithtown, NY 11787.

Member Eligibility

Becoming a member of Teachers feels like joining a close-knit family where your financial well-being is the priority. If you're wondering about eligibility, it's quite simple! At Teachers, we welcome individuals who live, work, worship, or attend school in the communities we serve. This includes anyone who has a connection to our vibrant local area. Joining means you'll enjoy a range of benefits tailored to your needs, from competitive loan rates to personalized service that makes banking feel effortless. Ready to take the next step? Opening an account at Teachers is easy! Just visit us at 47 Route 111 Smithtown Ny 11787, or give us a call at (631) 698-7000 for more information. You can also find all the details you need about eligibility and account opening on our website at https://www.teachersfcu.org/ and start enjoying the perks of being part of our community today!

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 $309 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $5 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $479,184,173, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

Imagine having a reliable partner that simplifies payment processing while you focus on serving your customers. Our merchant services allow you to accept payments seamlessly, whether online or in-store. This means quicker transactions and satisfied customers who appreciate the ease of doing business with you. Located at 47 Route 111 Smithtown Ny 11787 in Smithtown, NY, our team is ready to assist you with personalized banking solutions tailored for your business needs. Contact us today at (631) 698-7000 to explore how we can help your business thrive!

Comprehensive List Of Services

Business Banking Services

For our business members, we provide essential services including merchant services and business loans. We understand that running a business can be challenging, which is why our dedicated team is ready to assist you in achieving your goals.

Convenient Digital Banking

In today's fast-paced world, convenience matters. That's why we offer robust online and mobile banking services that allow you to bank anytime, anywhere. From checking balances to making transfers, managing your finances has never been easier. Plus, our ATM and cash withdrawal services ensure that you have access to your money whenever you need it.

Drive-Thru & Shared Branch Services

Need a quick deposit or withdrawal? Our basic drive-thru banking service provides an efficient way to handle simple transactions without leaving your car. Additionally, we participate in shared branch transactions for partner credit union members, allowing for easy deposits and withdrawals even when you're away from home. We invite you to explore all that Teachers has to offer! If you're ready to take control of your financial future or have questions about any of our services, don't hesitate to reach out at (631) 698-7000 or visit us at 47 Route 111 Smithtown Ny 11787 in Smithtown, NY. Join us today and discover how we can support your financial journey!

Home Financing Made Easy

Thinking about buying a home? Our mortgage loans and refinancing services simplify the home-buying process. We know how important it is to find the right mortgage, so our team is here to guide you through every step, ensuring you understand all your options.

Loans for Every Occasion

Life can bring unexpected expenses. That's why we offer personal loans and debt consolidation solutions to help you manage those costs effectively. Plus, with our credit cards that come with rewards, you can earn points on everyday purchases while enjoying the benefits of easy credit access.

Personal Banking Solutions

Whether you're looking to manage your daily expenses or save for the future, we offer various personal banking options. Our checking and savings accounts are tailored to fit your lifestyle, giving you flexibility and peace of mind. For those considering a new vehicle, our auto loans and vehicle financing options come with competitive rates that can help you drive away in your dream car without breaking the bank.

Digital & Online Banking

Go Mobile

For those always on the go, our mobile application provides a user-friendly experience right at your fingertips. With features like mobile payments and person-to-person transfers, sending money or making purchases has never been easier. Plus, if you prefer going paperless, e-statements are readily available for quick access to your account history.

Online Banking Made Easy

Our online banking platform, available at https://www.teachersfcu.org/, allows you to check your balance, pay bills, and transfer money without stepping foot in a branch. You can also enjoy the benefits of 24/7 online banking services, ensuring you have control over your finances whenever you need it.

Security First

We prioritize your security with electronic signature authorization and robust encryption methods to keep your information safe. You can bank with peace of mind knowing that your financial data is protected. Whether you're checking account balances during lunch or making a quick payment on the train home, Teachers makes digital banking accessible and efficient. Our commitment is to provide you with real-time account management that fits seamlessly into your life. Explore all these features today and discover how easy banking can be! Visit us at https://www.teachersfcu.org/ to learn more about our digital services and take control of your finances effortlessly.

Financial Strength

At Teachers, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are proud to share that our financial strength reflects our commitment to providing exceptional services and support to our community. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. With a net worth of $984,894,945, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 999 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $3,162,706,487 in share certificates and $1,744,714,636 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $219,569,446, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $940,482,871 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Our capacity to support your financial goals is evident with $33,275 in used auto loans and a total of $6,294,741,296 in loans and leases across various sectors. Our operational efficiency is reflected in our net income of $0, allowing us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 839 full-time employees and 28 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team. Net Shares (Funds available for lending and investments): $0. Total Share and Deposit Accounts: 942,543, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Teachers is your trusted partner. Visit us at 47 Route 111 Smithtown Ny 11787 or call 631-698-7000 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 $562,095,749 in used vehicle loans and $259,965,626 in new vehicle loans already helping members get on the road. We make it easy to finance both new and used vehicles, ensuring you find the right fit for your budget. Plus, if you're considering refinancing your current auto loan, we can help you explore eligibility options that could save you money.

Business Loans

For business owners, our outstanding commercial loans totaling $479,184,173 provide the capital needed to grow and expand. Whether you're starting a new venture or looking to invest in your existing business, we're here to support your entrepreneurial journey. Our loan products are designed not just for convenience but also for value. The performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Visit us at 47 Route 111 Smithtown Ny 11787, Smithtown, NY, or give us a call at (631) 698-7000 to learn more about how we can assist you with your financial needs!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $1,497,493,451, make buying or refinancing simple. We guide you through each step of the mortgage process so you can focus on making your house a home.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $96,901,070 in loans helping members manage their finances effectively. These cards come with various benefits that help you track spending while providing access to funds when needed.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: All loan offers are sourced from legitimate financial institutions, which guarantees transparency and trust in the information presented. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions its goal is to provide unbiased results so users can make informed choices without hidden agendas. - Real-Time Rate Comparisons: Users benefit from up-to-date loan rates across multiple institutions, allowing for smarter financial 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!" This testimonial reflects the effectiveness of LendMesh in delivering valuable insights into loan options. 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 commitment ensures that users receive fair and transparent offers, reflecting the most current rates available in the market.

TEACHERS FEDERAL CREDIT UNION - Smithtown, NY

Type of Loan Offerings

Personal Loans

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