Teachers Credit Union Stony Brook NY | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Teachers, your trusted credit union located at 1113 N Country Rd, Stony Brook, NY 11790. Since our establishment in 1952, we have been dedicated to serving our community and supporting our members with reliable financial services. With a strong membership base of 476,608 and total assets amounting to an impressive $9,817,494,290, we take pride in being a stable financial partner for individuals and families alike. At Teachers, we offer a wide array of banking solutions tailored to meet your needs. Whether you're looking for checking and savings accounts, auto loans, or mortgage refinancing options, our team is here to help you every step of the way. We understand that navigating financial decisions can be challenging, which is why we aim to provide clear guidance and support. While you can visit us at our Stony Brook branch for all your banking needs, please note that official correspondence should be sent to 1113 N Country Rd, Stony Brook, NY 11790-1907 if different from the branch address. Our friendly staff is ready to assist you during our lobby hours: 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. Led by CEO Brad Calhoun and Board President Timothy Southerton, our committed team of 867 employees works diligently to ensure that your financial goals are met with excellence. With total deposits reaching $392,268,098 and robust net worth of $984,894,945, you can trust that your money is in good hands. Join us today at Teachers! Visit our website at Teachers FCU or give us a call at 631-698-7000 to learn more about how we can assist you in achieving your financial dreams.

Branch History & Mission

Join Us

As we continue to grow and adapt to the needs of our members, we invite you to become part of the Teachers family. Visit us at 1113 N Country Rd in Stony Brook or reach out at 631-698-7000 for any inquiries. Experience firsthand the benefits of being a member of a credit union that prioritizes your financial well-being while actively contributing to the community. Together, let's build a brighter future!

Our Journey

Since opening our doors more than seven decades ago, Teachers has been on a mission to empower individuals and families through accessible financial services. We have expanded our offerings over the years to meet the needs of our diverse membership. Whether it's personal banking solutions like checking and savings accounts, auto loans, or mortgage refinancing, we strive to provide products that help our members achieve their financial goals. Our headquarters in Smithtown, NY, has always been a beacon of support for our local communities. With a focus on community outreach and partnerships, we actively engage in initiatives that uplift those around us. From educational programs to charitable contributions, we believe in giving back and making a positive impact.

Our Mission

Our mission at Teachers is simple yet profound: to deliver quality financial services while fostering a strong sense of community. We aim to ensure that every member feels valued and supported in their financial journey. Our commitment extends beyond just transactions; we strive to build lasting relationships based on trust and understanding. We are proud to offer modern conveniences like online banking and mobile payments while ensuring accessibility for everyone. Our branch is ADA compliant and equipped with ATM services for easy access to funds. While we do not currently offer drive-thru banking, we provide shared service center availability for those who need it.

Branch Location & Accessibility

Accessible Banking Experience

Our branch is designed with accessibility in mind. We offer convenient parking options, making it easy for everyone to stop by. If you have mobility concerns, you'll be pleased to know we are ADA compliant and feature ramps for easier access.

Operating Hours That Fit Your Schedule

At Teachers Credit Union, we understand that life can get busy. That's why we're here for you during flexible hours: 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. Whether you're looking to open an account or need assistance with loans or credit cards, our friendly staff is ready to help within these hours.

Services Tailored for You

We pride ourselves on offering a variety of services including personal banking options like checking and savings accounts, auto loans, mortgages, and credit cards with rewards. Plus, we have ATM availability for quick cash withdrawals whenever you need them. Although we do not have drive-thru banking at this location, our shared service center allows members from partner credit unions to complete basic transactions like deposits and withdrawals. Have questions? Don't hesitate to call us at 631-698-7000. We invite you to stop by our branch today and experience personalized service tailored just for you!

Member Eligibility

At Teachers, becoming a member means joining a community that truly cares about your financial well-being. If you're interested in opening an account, you'll be pleased to know that eligibility is straightforward and welcoming. Generally, anyone who lives, works, worships, or attends school in the local area is invited to join. This means that if you call Stony Brook home or are connected to the community in any way, you're likely eligible! Plus, as a member of Teachers, you gain access to a variety of services designed to support your financial journey, from checking and savings accounts to auto loans and credit cards with rewards. Getting started is easy! You can find all the details about eligibility on our website at . Once you're ready, just visit us at https://www.teachersfcuonline.org/dbank/live/app/register to open your account online or give us a call at (631) 698-7000 for assistance. We're located at 1113 N Country Rd Stony Brook Ny 11790, and we can't wait to welcome you into our family!

Business Banking & Commercial Services

Financing 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

In today's fast-paced market, efficient payment processing can set your business apart. Our merchant services simplify transactions, allowing you to focus on what truly matters growing your business. Imagine being able to accept payments seamlessly whether you're at a bustling market or managing an online store. We offer solutions that make cash flow management straightforward and reliable. Visit us at 1113 N Country Rd Stony Brook Ny 11790 in Stony Brook, NY, or call us at (631) 698-7000 to learn how we can help your business thrive!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need cash? Our network of ATMs makes it easy for you to access your money quickly and conveniently. You can perform basic transactions like withdrawals and balance checks without hassle.

Auto Loans & Vehicle Financing

If you're in the market for a new car, our Auto Loans & Vehicle Financing can help make that dream a reality. With competitive rates and flexible terms, you can drive off in your new vehicle without breaking the bank. We guide you through the process, making it as smooth as possible.

Business Banking

For entrepreneurs and small business owners, we offer comprehensive Business Banking services including merchant services and business loans. We understand that running a business requires reliable financial support, and we're committed to helping you succeed.

Credit Cards with Rewards

Make every purchase count with our Credit Cards with Rewards program! Earn points for everyday spending that can be redeemed for travel, merchandise, or cash back. It's an easy way to maximize the value of your purchases while enjoying all the benefits of credit.

Mortgage Loans & Refinancing

Buying a home is one of the most significant financial decisions you'll ever make. Our Mortgage Loans & Refinancing options provide tailored solutions to fit your budget and lifestyle. Whether you're purchasing your first home or looking to refinance an existing mortgage for better rates, we're here to assist every step of the way.

Online & Mobile Banking

With today's busy lifestyles, convenience is key. Our robust Online & Mobile Banking features allow you to manage your accounts anytime, anywhere. From paying bills to transferring funds between accounts, it's all just a click away or within reach on your smartphone.

Personal Banking

We understand that managing money can be challenging. That's why we offer Personal Banking options such as checking and savings accounts that help you keep your finances organized. Imagine easily accessing your funds online or through our mobile app, allowing you to check balances and make transfers on the go.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way. Our Personal Loans & Debt Consolidation services help you manage those costs effectively. By consolidating high-interest debts into one manageable loan, you can simplify your payments and reduce stress.

Shared Branch Transactions

As part of our commitment to accessibility, we also offer Basic Shared Branch Transactions which allow members from partner credit unions to make deposits and withdrawals at our location. At Teachers, we're not just about banking; we're about building relationships and supporting our members' financial journeys. If you're ready to explore how we can help you achieve your financial goals or if you have any questions about our services, please don't hesitate to reach out! You can contact us at (631) 698-7000 or visit us in person at 1113 N Country Rd Stony Brook Ny 11790. Your financial well-being is our priority!

Digital & Online Banking

Key Features

We also provide e-statements that allow you to view your account statements electronically. This not only helps you stay organized but also reduces paper clutter. If you prefer signing documents digitally, our electronic signature authorization feature makes it quick and hassle-free. For those on the go, our mobile application is available for download, putting all of these features right in your pocket. You can even make mobile payments, allowing you to pay for goods and services using just your smartphone. Plus, our person-to-person transfer service enables you to send money to friends or family instantly without needing cash or checks. Security is always a top priority at Teachers. Our online banking platform employs advanced security measures to ensure that your information remains safe while providing an easy-to-use interface. Enjoy peace of mind knowing that you're protected as you manage your finances. In summary, whether it's through our website or mobile app, Teachers offers the tools you need for effective financial management. Explore all these features today and see how they can enhance your banking experience!

Financial Strength

Dedicated Team Ready to Assist You

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, committed team. Our total share accounts stand at 942,543, showing a strong and growing member base that trusts us with their finances. In conclusion, 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 1113 N Country Rd Stony Brook Ny 11790 or call (631) 698-7000 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings Options

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.

Reinvesting for Your Benefit

Our commitment to our members is further reflected in our financial strategies. With $940,482,871 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. This means that when you save or borrow with us, you're part of a system designed to provide you with the best possible experience.

Solid Financial Foundation

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.

Supporting Your Financial Goals

With $33,275 in used auto loans and $6,294,741,296 in total loans and leases, our lending capacity supports members' financial goals across various sectors. Our operational efficiency is evident as shown by our $0, which enables us to continue offering competitive loan rates and solid financial products for our members.

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. Whether you're interested in financing a new vehicle or prefer a reliable used one, our team is here to guide you through the process.

Business Loans

For business owners, our outstanding commercial loans totaling $479,184,173 provide the capital needed to grow and expand. Whether it's for inventory purchase or operational costs, we're here to support local businesses every step of the way. At Teachers, we pride ourselves on providing personalized service tailored to your unique needs. To explore any of these loan offerings or discuss refinancing options further, feel free to contact us at (631) 698-7000 or visit us at 1113 N Country Rd Stony Brook Ny 11790 in Stony Brook, NY. Your journey towards financial well-being starts here!

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 provide flexible terms and competitive rates to suit your individual circumstances. If you're considering refinancing your existing mortgage, ask us about eligibility options that could save you money.

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 features that can help you earn rewards while keeping your spending in check.

Loan Aggregator

Get Started Today

If you're ready to find the best loan rates without the hassle, compare real-time loan offers today at LendMesh and discover options that fit your financial goals. 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 commitment ensures that users receive fair and transparent offers tailored to their needs. - 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 loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This kind of feedback underscores the platform's effectiveness in delivering reliable loan options.

TEACHERS FEDERAL CREDIT UNION

Type of Loan Offerings

Personal Loans