Teachers Credit Union Central Islip NY | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Teachers, your trusted financial partner located at 118 Wheeler Rd, Central Islip, NY 11722. Established in 1952, we have been dedicated to serving our community for over 70 years. With a proud membership of 476,608 individuals, our mission is to provide exceptional banking services tailored to your needs. At Teachers, we understand the importance of financial stability and growth. With total assets amounting to an impressive $9,817,494,290, we are well-equipped to support you on your financial journey. Our commitment to our members is evident through our total deposits of $392,268,098 and net worth of $984,894,945. We also maintain a robust cash position of $28,926,346, ensuring that we can meet your needs when they arise. Whether you're looking for personal banking solutions like checking and savings accounts or need assistance with auto loans and mortgages, our dedicated team is here for you. Led by CEO Brad Calhoun and Board President Timothy Southerton, our knowledgeable staff of 867 employees is ready to provide personalized service every step of the way. While members can visit us at 118 Wheeler Rd, official correspondence should be sent to our mailing address: PO Box 9005, Smithtown, NY 11787. We invite you to explore our services further by visiting our website at Teachers FCU or calling us at 631-698-7000. Join us in building a brighter financial future together!

Branch History & Mission

Community Commitment

Our commitment goes beyond just offering financial products. We actively engage with the community through partnerships and outreach programs designed to uplift those around us. By collaborating with local organizations and schools, we aim to make a positive impact on lives within Central Islip and beyond. While members can visit us at 118 Wheeler Rd, official correspondence should be sent to PO Box 9005, Smithtown, NY 11787 if different from our branch address. For your convenience, we offer ATM services and drive-thru banking options for quick transactions without leaving your car.

Join Us Today!

As we look toward the future, we invite you to become part of our journey at Teachers. Experience firsthand how our member-focused approach can make a difference in your financial life. Reach out today at 631-698-7000 or visit us during our operating 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. Join us at Teachers, where your dreams matter! Visit our website for more information or start your membership application here. Together, let's build a brighter future!

Our Mission

At Teachers, our mission is simple yet profound: to provide exceptional financial services while nurturing the communities we serve. We believe that everyone deserves access to affordable banking solutions that empower them to achieve their goals. Whether you're opening your first checking account or seeking assistance with a mortgage loan, our team is here to guide you every step of the way. We understand that banking needs can vary widely. That's why we offer a range of services including personal banking accounts, auto loans, mortgages, and business banking solutions. Additionally, we have invested in digital advancements such as online banking and mobile payments to ensure you can manage your finances conveniently from anywhere.

Branch Location & Accessibility

Call to Action

We invite you to visit us at Teachers in Central Islip! If you have any questions or would like more information about our services, don't hesitate to give us a call at 631-698-7000. We look forward to serving you!

Convenient Features

At Teachers, we understand the importance of convenience in banking. Our location offers ample parking, ensuring that you can find a spot without hassle. We also take pride in being ADA compliant, with features such as ramps and accessible entrances to accommodate all our members.

Operating Hours

Our doors are open during the week to serve you better. You can visit us from 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 a new account or need assistance with loans or services, our friendly staff is here to help.

Services Offered

We provide a variety of banking services tailored to meet your needs. From personal banking options like checking and savings accounts to auto loans and mortgages, we've got you covered. Need quick access? Our ATM is available for cash withdrawals and balance checks, and we also offer drive-thru banking for simple transactions like deposits and withdrawals. If you're a member of another participating credit union, feel free to take advantage of our shared service center for deposits and withdrawals as well!

Member Eligibility

At Teachers, becoming a member is like joining a family that genuinely cares about your financial well-being. We welcome anyone who lives, works, or worships in our community, as well as their family members. This means that if you have a connection to the area around 118 Wheeler Rd Central Islip Ny 11722, you're likely eligible to join us! By choosing Teachers, you'll enjoy personalized service, competitive rates on loans and savings, and access to a variety of financial tools designed just for you. If you're curious about the specific eligibility criteria, feel free to explore more at . Ready to take the next step? Opening an account with us is simple! Just visit https://www.teachersfcuonline.org/dbank/live/app/register or give us a call at (631) 698-7000 we're here to help you every step of the way.

Business Banking & Commercial Services

Business Loan Options

Imagine having access to funds that allow you to purchase new equipment, hire staff, or renovate your workspace. 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 addition to loans, we offer merchant services that simplify payment processing for your business. Picture this: a busy day at your shop where customers are eager to pay for their purchases. With our reliable merchant services, you can quickly accept credit cards and mobile payments, ensuring a smooth checkout experience. This not only enhances customer satisfaction but also helps boost sales. Ready to take your business to the next level? Visit us at 118 Wheeler Rd Central Islip Ny 11722 in Central Islip, NY or give us a call at (631) 698-7000. Let's work together to achieve your business goals!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

When it comes time to purchase a vehicle, our auto loans provide competitive rates that make getting behind the wheel more affordable. Whether it's a new or used car, we can help simplify the financing process so you can focus on what really matters finding the perfect vehicle for your lifestyle.

Business Banking Services

For our business members, we provide comprehensive business banking solutions including merchant services and business loans designed to support local entrepreneurs and their ventures.

Convenient Access & Support

In addition to our diverse range of products, we also prioritize convenience. Our ATM services allow for easy cash withdrawals and balance checks anytime you need them. Plus, enjoy basic drive-thru banking for deposits and simple transactions without leaving your vehicle. As part of the shared service center network, members of partner credit unions can access similar services at our location, ensuring everyone has the opportunity to bank conveniently. If you have any questions about how we can assist you further or if you're ready to open an account, don't hesitate to reach out! Call us at 631-698-7000 or visit us at our branch located at 118 Wheeler Rd, Central Islip, NY 11722. Explore all that Teachers has to offer today!

Credit Cards with Rewards

Make your purchases work for you with our credit cards that offer rewards. Earn points on everyday spending that can lead to exciting perks or cash back it's a win-win!

Mortgage Loans & Refinancing

Thinking about buying a home? Our mortgage loans come with various options to fit different budgets and situations. If you're already a homeowner looking to save, consider refinancing; it could lower your monthly payments significantly!

Personal Banking Solutions

We understand that every member has unique financial needs. That's why we offer personal banking services that include checking and savings accounts designed to help you manage your money effectively. Imagine being able to easily track your spending through our online and mobile banking platforms. With features like electronic statements and mobile payments, you can stay organized and on top of your finances wherever you are.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way. Our personal loans can assist with anything from emergencies to larger purchases. If you're struggling with multiple debts, our debt consolidation services may be the solution to streamline payments into one manageable loan.

Digital & Online Banking

Key Features

Our online banking platform, accessible at https://www.teachersfcu.org/, allows you to stay connected with your financial life. You can view your account balances, transfer funds, and pay bills all with a user-friendly interface that makes banking simple. Plus, with our 24/7 online banking services, you never have to worry about being limited by branch hours. For those who prefer using their mobile devices, our mobile application is available for download, bringing the bank right to your pocket. You can even use mobile payments to make transactions quickly and securely. Whether you're buying coffee or splitting a dinner bill with friends, our person-to-person transfers make it easy to send money instantly.

Security and Accessibility

Security is a top priority at Teachers. We offer electronic signature authorization for important documents, ensuring that your transactions are safe and protected. Additionally, with e-statements available at your fingertips, you can keep track of your finances without the clutter of paper statements. Managing your finances has never been easier or more secure. Enjoy real-time account management and peace of mind knowing that Teachers has your back every step of the way. Join us today at https://www.teachersfcu.org/ and take control of your financial future!

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 showcase our financial strength, which reflects our commitment to providing you with reliable services and support. 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, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports your financial goals with $33,275 in used auto loans and a total of $6,294,741,296 in loans and leases across various sectors. Our $0 net income reflects our operational efficiency as we strive to create value for our members every day. 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. The total number of share accounts stands at 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 118 Wheeler Rd Central Islip NY 11722 or call 631-698-7000 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 new vehicle or a dependable used one, our auto loans can help you hit the road with confidence.

Credit Lines and Commercial Loans

For those needing additional financial flexibility, our credit lines amounting to $4,577,444,000 provide quick access to funds when you need them most. Additionally, for business owners, our outstanding commercial loans totaling $479,184,173 provide the capital needed to grow and expand. At Teachers, we're committed to providing you with personalized service and straightforward solutions. Reach out to us today at (631) 698-7000 or visit our branch in Central Islip, NY, where our friendly staff is ready to assist you with any questions regarding our loan products. 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's work together to find the right loan product that fits your 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 offer competitive rates and flexible terms that suit your budget and lifestyle. If you're considering refinancing your current mortgage, be sure to 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 no collateral requirement, making them an accessible option for those who want more control over their spending.

Loan Aggregator

Benefits of Using LendMesh

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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 ensures that you receive fair and transparent offers. LendMesh prioritizes accuracy by gathering information from reputable lenders, making sure that every comparison reflects the most current rates available.

Take Action Today

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

Type of Loan Offerings

Personal Loans