Teachers Credit Union Upton NY | Low Mortgage Rates & Business Banking

Introduction

At Teachers Credit Union, we believe in building strong relationships within our community. Located at 2 Center St, Upton, NY 11973, our branch has proudly served members since 1952. With a commitment to providing exceptional financial services, we have grown to support over 476,608 members and manage assets totaling an impressive $9,817,494,290. Our mission is to empower our members through reliable banking solutions tailored to their unique needs. Whether you're looking for a new auto loan or seeking a safe place to deposit your savings, we offer a range of services designed with you in mind. Our total deposits stand at $392,268,098, showcasing the trust our members place in us. Under the leadership of CEO Brad Calhoun and Board President Timothy Southerton, our dedicated team of 867 employees is here to assist you every step of the way. We pride ourselves on being more than just a financial institution; we're your partner in achieving your financial goals. While members can visit us at our Upton location for personal service, please note that official correspondence should be directed to our mailing address: PO Box 9005, Smithtown, NY 11787. With a net worth of $984,894,945 and cash reserves of $28,926,346, we are well-equipped to meet your needs and support growth in our community. Explore our website at Teachers Credit Union or give us a call at 631-344-2790 to learn more about how we can help you achieve financial success. Join us today and experience the difference that comes from being part of a credit union that truly cares!

Branch History & Mission

Community Focus

We understand that the strength of a credit union lies in its connections with its members. That's why we prioritize community engagement through various partnerships and initiatives aimed at improving financial literacy and accessibility. Whether it's through workshops or sponsorships of local events, we strive to make a meaningful impact. In today's digital world, we've embraced technology while ensuring that our services remain user-friendly and accessible for everyone. From online banking and mobile payments to electronic signatures and e-statements, we are committed to making your banking experience as convenient as possible while maintaining ADA compliance. As we look toward the future, we invite you to join our growing family at Teachers. Experience firsthand how we can help you achieve your financial goals while being part of a community-focused organization dedicated to your success. Visit us today or call us at 631-344-2790 to learn more about becoming a member!

Our Mission

At Teachers, our mission is more than just providing banking services; it's about supporting our members and the community as a whole. We believe in fostering financial wellness by offering personal banking solutions such as checking and savings accounts, auto loans, mortgages, and credit cards with rewards. Our commitment extends beyond transactions; we actively participate in community outreach programs that help uplift those around us. While you can visit us at 2 Center St, please note that official correspondence should be directed to PO Box 9005, Smithtown, NY 11787 if you need to send any mail.

Branch Location & Accessibility

Banking Services

At Teachers Credit Union, we offer a variety of services to meet your financial needs. Whether you're looking to open a checking account, apply for an auto loan, or explore mortgage options, our friendly team is here to help. Plus, with ATM availability on-site, accessing your funds is quick and easy. If you have any questions or need assistance, don't hesitate to give us a call at 631-344-2790. We're here to support you every step of the way. While members can visit us at our Upton location, official correspondence should be sent to PO Box 9005, Smithtown, NY 11787. Come visit us today and experience how banking can be both accessible and enjoyable!

Easy Access and Parking

Finding us is simple! With ample parking available right outside our doors, you can visit us without the hassle of searching for a spot. We also prioritize accessibility; our branch is ADA compliant and features ramps for those who may need extra assistance.

Operating Hours

We know that life gets busy, so our lobby hours are accommodating. We're open Monday through Friday from 9:00 AM to 5:00 PM, allowing you plenty of time during the week to stop by when it works best for you.

Member Eligibility

Becoming a member of Teachers feels like joining a close-knit family where everyone supports one another. If you live, work, or study in the communities we serve, you're likely eligible to join us! We welcome individuals from diverse backgrounds and professions, making it easy for you to tap into the benefits of membership, from competitive loans to personalized financial advice. To find out more about specific eligibility criteria, please visit our detailed guide. Opening an account with us is straightforward and designed with your convenience in mind. Whether you're ready to start saving or looking for loan options that suit your needs, we're here to help every step of the way. Feel free to give us a call at (631) 344-2790 if you have any questions or need assistance with the process. Join Teachers today and experience the difference of community-focused banking right at our branch located at 2 Center St Upton Ny 11973!

Business Banking & Commercial Services

Loan Options to Fuel Your Growth

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 That Make Sense

In addition to loans, we offer merchant services that simplify payment processing for your business. Imagine serving customers seamlessly at your shop while knowing their payments are handled securely and efficiently. From credit card processing to online payments, our services are designed to help you focus on what you do best growing your business. Located conveniently at 2 Center St Upton Ny 11973, Upton, NY 11973, our team is ready to partner with you on your journey. Reach out today at (631) 344-2790 and let's discuss how we can support your business ambitions!

Comprehensive List Of Services

Business Banking

If you're a business owner, you'll find our Business Banking services invaluable. From Merchant Services that simplify payment processing to tailored Business Loans that help fund growth and operations, we are here to support your entrepreneurial journey.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we prioritize digital banking options. With our user-friendly Online & Mobile Banking, managing your accounts is easier than ever. You can check balances, transfer funds, and even make payments right from your smartphone or computer. Need cash? Our ATM services provide easy access to withdrawals and balance checks anytime you need it. Additionally, if you're a member of another participating credit union, our basic shared branch transactions allow you to perform deposits and withdrawals seamlessly.

Join Us Today!

We invite you to explore all the ways Teachers can support your financial goals. Whether you're interested in personal banking or business services, we have something for everyone. Visit us today at our Upton branch or check out our website at teachersfcu.org for more information about opening an account or applying for a loan. Your financial journey starts here let's take the first step together!

Personal Banking

Navigating personal finances can sometimes feel overwhelming, but our personal banking services make it simpler. We offer Checking & Savings Accounts designed to help you manage your money effectively. Imagine easily accessing your funds whenever you need them while also earning interest on your savings! With Auto Loans & Vehicle Financing, getting behind the wheel of your dream car is just a few steps away. We also provide Mortgage Loans & Refinancing options that can help you secure your home or lower your monthly payments. For those times when unexpected expenses arise, our Personal Loans & Debt Consolidation can offer the financial relief you need. Plus, don't forget about our Credit Cards with Rewards, which allow you to earn points on purchases that can be redeemed for exciting rewards or cash back.

Digital & Online Banking

Key Features

Our services include electronic signature authorization, which allows you to complete important transactions quickly and securely from anywhere. No more waiting in line or printing documents everything can be done right from your device. Plus, if you prefer keeping track of your statements digitally, we offer e-statements for easy access and environmental friendliness. For those on the go, our mobile application makes banking even more convenient. You can make mobile payments effortlessly, ensuring that you're always ready for any purchase. Additionally, our person-to-person transfer feature allows you to send money to friends and family with just a few taps on your phone. Security is a top priority for us at Teachers. We use advanced security measures to protect your information while ensuring that our features remain user-friendly. Whether you're logging in from a laptop or using our mobile app, you can feel confident knowing that your financial data is safe. In summary, our digital and online banking services are designed for ease of use, accessibility, and real-time management of your accounts. Join us at Teachers and experience the convenience of modern banking today!

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. With a strong commitment to serving our community, we continuously work to enhance our 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 9.99% 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, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is robust; with $33,275 in used auto loans and $6,294,741,296 in total loans and leases, we support your financial goals across various sectors. Our operational efficiency is reflected in our $25,290,329, enabling 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, committed team. Total Share Accounts stand at 942,543, showcasing the strong trust placed in us by our growing member base. 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 2 Center St Upton Ny 11973 or call (631) 344-2790 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.

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 brand-new model or opting for a reliable used vehicle, our team is here to assist you every step of the way.

Business Financing

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 equipment or inventory, we have tailored solutions for your business needs. At Teachers, we also understand that refinancing can be an essential part of managing your finances effectively. If you're considering refinancing any existing loans or exploring eligibility options for our various loan products, don't hesitate to reach out. For more information about how our loan products can work for you or to discuss your specific needs, please call us at 631-344-2790. Our dedicated staff is ready to guide you through the process and find the right solution for your situation. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let us help you take the next step toward achieving your financial goals today!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing straightforward. We offer Junior Lien 1-4 Family Residential Properties loans totaling $1,497,493,451, which can help you secure the home of your dreams while making the process as simple as possible.

Unsecured Credit Card Loans

Managing everyday expenses can be made easier with our flexible terms on unsecured credit card loans. With a total of $96,901,070 in loans helping members effectively manage their finances, our credit cards provide peace of mind when unexpected costs arise.

Loan Aggregator

Ensuring Accurate Comparisons

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User Trust and Credibility

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 highlights how LendMesh not only simplifies the search for loans but also delivers significant savings for its users. To explore your loan options further, 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.*

TEACHERS FEDERAL CREDIT UNION - Upton, NY

Type of Loan Offerings

Personal Loans

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Loan rates in Upton, NY (11973)