The One Credit Union Cochranton PA | Affordable Auto Loans & Business Banking

Introduction

Welcome to The One! Nestled in the heart of Cochranton at 180 N Franklin St, PA 16314, we are proud to serve our community since 1949. With over 12,487 members and a solid commitment to their financial well-being, our credit union stands as a trusted partner for all your banking needs. At The One, we understand that every member's journey is unique. That's why we offer a wide range of services tailored just for you from checking and savings accounts to auto loans and business financing. We have built a robust financial foundation with total assets of $118,224,553 and total deposits reaching $7,977,584, ensuring that your money is safe and working for you. Our leadership team, headed by CEO Heather Clancy-Young and Board President Daniel Crandall, is dedicated to fostering a welcoming environment where everyone feels valued. Our friendly staff of 34 employees is here to provide personalized assistance, whether you're visiting us in person or utilizing our online services at onefcu.com. While members can visit us at 180 N Franklin St, official correspondence should be sent to our mailing address: PO Box 402, Cochranton, PA 16314-9706. Join us as we continue to grow and support our community with outstanding service and financial products designed for success. If you have any questions or want to explore how we can help you achieve your financial goals, don't hesitate to call us at 814-425-4089 or visit our website for more information!

Branch History & Mission

The One has a rich legacy of serving the community since its establishment in 1949. Located at 180 N Franklin St, Cochranton, PA 16314, our branch has grown from humble beginnings to become a trusted financial partner for many in the area. Over the years, we have proudly welcomed a total membership of 12,487 individuals, each becoming part of our family-focused credit union. At The One, our mission is clear: we aim to provide exceptional financial services while supporting and uplifting our community. We believe in empowering members through access to resources such as personal banking, auto loans, mortgage options, and business services. Our commitment extends beyond just banking; it's about fostering relationships and making a positive impact in Cochranton and surrounding areas. In addition to traditional banking hours Monday from 9:00 AM to 5:00 PM, Tuesday to Thursday from 9:00 AM to 4:00 PM, and Friday from 9:00 AM to 5:30 PM we offer convenient drive-thru banking for quick transactions. While members can visit us at our physical location, official correspondence should be sent to PO Box 402, Cochranton, PA 16314-9706. The One currently boasts total assets of $118,224,553, allowing us to provide competitive rates and reliable financial solutions tailored to our members' needs. We are dedicated to utilizing technology that makes banking easier and more accessible; this includes online and mobile banking services that empower you to manage your finances anytime, anywhere. Our branch is also committed to maintaining ADA compliance so that all members can comfortably access our services. Through various community outreach efforts and partnerships with local organizations, we strive to support initiatives that benefit our neighbors and enhance the overall well-being of Cochranton. We invite you to experience the warmth and dedication of The One Credit Union firsthand. Join us today and discover how we can help you achieve your financial goals while being part of a caring community. For more information or assistance, please call us at 814-425-4089 or visit our website at onefcu.com. Together, let's build a brighter financial future!

Branch Location & Accessibility

Convenient Access

At The One Fcu - Cochranton, we prioritize accessibility for all our members. Our facility is ADA compliant and features ramps to ensure everyone can visit us comfortably. If you're driving in, you'll find ample parking available right outside our doors. Plus, for those on the go, we offer a drive-thru banking option for quick and easy transactions without leaving your vehicle.

Operating Hours

We know how busy life can be! That's why we've designed our operating hours to fit your schedule. Our lobby hours are as follows: Monday from 9 AM to 5 PM, Tuesday through Thursday from 9 AM to 4 PM, and Friday from 9 AM to 5:30 PM. We're closed on Saturdays and Sundays, giving our staff time to recharge so they can continue providing excellent service when we're open.

Services Offered

While visiting us at our Cochranton branch, you can take advantage of a variety of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and credit cards with rewards, we've got you covered! Although we don't have ATM availability at this location, our drive-thru service ensures you can handle deposits, withdrawals, and simple transactions efficiently. If you need to reach out or have questions before your visit, don't hesitate to call us at 814-425-4089. Whether you're looking for a new account or just some friendly advice on managing your finances, our team is eager to help.

Visit Us Today!

We invite you to come by The One Fcu - Cochranton today! Experience firsthand how we can support your financial journey in a welcoming environment. And remember official correspondence should be sent to PO Box 402, Cochranton, PA 16314-9706 if needed. We look forward to seeing you soon!

Member Eligibility

At The One, we believe that becoming a member is like joining a close-knit family where everyone looks out for one another. If you're wondering how to become part of our community, it's quite simple! Membership is open to anyone who lives, works, worships, or attends school in the area around 180 N Franklin St Cochranton Pa 16314. This means that whether you're a long-time resident or new to the community, you're welcome here. By joining us, you gain access to a variety of financial services designed to help you thrive, from checking and savings accounts to loans and credit cards with great rewards. Getting started is easy just visit our website at https://onefcu.com/become-a-member/ for more detailed information about eligibility. If you're ready to take the next step, you can open an account online by following this link: https://app.loanspq.com/apply.aspx?enc=kw21wblm1yxpjjabdozad4yqmp0jcgr0nu48ycqmqxlvylb6topts46t435fidaz. Should you have any questions or need assistance, don't hesitate to give us a call at (814) 425-4089. We're excited to welcome you into the The One family!

Business Banking & Commercial Services

Business Loans That Fuel Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $49 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $4,590,245, we continue to drive economic growth by financing new and expanding businesses.

Practical Merchant Services

We also offer merchant services designed to streamline everyday operations. Imagine having the ability to process payments efficiently while focusing on what you do best running your business. Our services provide the tools you need to accept payments easily, whether online or in-store, allowing you to serve your customers better. Located at 180 N Franklin St Cochranton Pa 16314 in Cochranton, PA, we invite you to visit us or call us at (814) 425-4089. Let's work together to make your business dreams a reality!

Comprehensive List Of Services

Banking On Your Terms

In today's fast-paced world, convenience is key. That's why we provide comprehensive Online & Mobile Banking features. You can check balances, transfer funds, and pay bills right from your smartphone or computer no need to visit the branch during busy hours! Our ATM & Cash Withdrawal Services make it easy to access cash when you need it most. And if you prefer face-to-face interactions, our Basic Drive-Thru Banking service allows you to handle deposits, withdrawals, and simple transactions without leaving your car.

Business Solutions Tailored for You

For entrepreneurs and small business owners, we offer robust Business Banking solutions including Merchant Services and Business Loans. We want to see your business thrive, which is why our team is here to support you every step of the way.

Flexible Financing Options

Need a new vehicle? Our Auto Loans & Vehicle Financing are designed to fit your budget. With competitive rates and flexible terms, getting behind the wheel of your dream car has never been easier. Perhaps you're considering buying a home? Our Mortgage Loans & Refinancing services ensure that you can secure the right loan for your situation, helping turn your house into a home. If you're facing unexpected expenses or looking to consolidate debt, our Personal Loans & Debt Consolidation options can help ease your financial burden. Plus, our Credit Cards with Rewards allow you to earn while you spend perfect for those who enjoy shopping or traveling!

Get Started Today!

At The One, we're here to make banking personal and straightforward. With our commitment to excellent member service and a wide range of offerings from Personal Banking (Checking & Savings Accounts); Auto Loans & Vehicle Financing; Mortgage Loans & Refinancing; Personal Loans & Debt Consolidation; Credit Cards with Rewards; Business Banking (Merchant Services & Business Loans); Online & Mobile Banking; ATM & Cash Withdrawal Services; Basic Drive-Thru Banking (Deposits, Withdrawals, Simple Transactions), there's something for everyone. Don't hesitate to reach out at (814) 425-4089 or visit us at The One Fcu - Cochranton today! Let us help you achieve your financial goals with ease and confidence.

Personal Banking Made Simple

We understand that managing your finances can sometimes feel overwhelming. That's why we offer Personal Banking options like Checking and Savings Accounts that help you keep track of your money effortlessly. Imagine having a checking account with no monthly fees and easy online access now that's convenience!

Digital & Online Banking

At The One, we understand that managing your finances should be as easy as a few taps on your phone or clicks on your computer. Our digital and online banking services are designed to offer you convenience and security, making it simple to stay on top of your accounts anytime, anywhere. With our robust online banking platform, accessible at https://onefcu.com/, you can enjoy 24/7 access to your accounts. Whether you need to check your balance, transfer funds, or pay bills, our user-friendly interface ensures that everything you need is just a few clicks away. Plus, with features like e-statements available, you can keep track of your financial activity without the clutter of paper statements. If you're always on the go, our mobile application makes banking even more accessible. You can manage your accounts right from your smartphone, making it easy to deposit checks or make person-to-person transfers with friends and family. And for those who prefer a contactless payment option, our mobile payments feature allows you to make purchases quickly and securely. Security is a top priority at The One. We use electronic signature authorization for your peace of mind, ensuring that all transactions are safe and secure. You can feel confident knowing that your information is protected while enjoying the ease of online banking. Whether you're at home or out and about, managing your finances has never been easier. With tools designed for real-time account management and convenient features tailored to fit your lifestyle, The One is here to help you take control of your financial journey with confidence.

Financial Strength

Commitment to Excellence

Our operational efficiency is reflected in our $105,995, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 34 full-time employees and 0 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Growing Member Trust

Total Share and Deposit Accounts stand at 24,316, showing a strong and growing member base that trusts us with their finances. Net Shares available for lending and investments amount to $0, further illustrating our commitment to supporting your needs. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, The One is your trusted partner. Visit us at 180 N Franklin St Cochranton Pa 16314 or call (814) 425-4089 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings Solutions

Members' savings are secured through $35,265,440 in share certificates and $11,385,978 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $1,994,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Reinvestment for Future Growth

With $9,998,300 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 across various sectors with $1,908 in used auto loans and $89,290,815 in total loans and leases.

Solid Financial Health

With a net worth of $10,352,834, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 9.05% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. With over $30,519,132 in used vehicle loans and $13,117,427 in new vehicle loans already helping members get on the road, we make it easy for you to drive away with confidence. Our financing options can help you choose between new or used vehicles and allow for flexible repayment terms tailored to your budget.

Business Financing

For business owners, our outstanding commercial loans totaling $4,590,245 provide the capital needed to grow and expand. Whether it's for equipment purchases or operational costs, our commercial lending options are designed to support your business goals. We also offer refinancing options across various loan products to ensure you're getting the best possible rates available. If you're interested in learning more about eligibility requirements or how you can benefit from our services, feel free to reach out! For any inquiries or assistance regarding our loan offerings, don't hesitate to contact us at (814) 425-4089. We're located at 180 N Franklin St Cochranton Pa 16314, in Cochranton, PA. Let us partner with you on your financial journey!

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $8,472,035, making buying or refinancing simple. We offer competitive rates and personalized service to guide you through every step of the mortgage process, whether you're a first-time homebuyer or looking to refinance an existing loan.

Unsecured Credit Card Loans

Managing everyday expenses can be challenging, which is why we also offer flexible terms on unsecured credit card loans. With a total of $8,372,920 in loans helping members manage their finances effectively, our credit cards come with rewards programs that let you earn points on your purchases while providing you with the convenience of easy access to funds.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency and trust in the information provided. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results that truly reflect available options. - Real-Time Rate Comparisons: With up-to-date loan rates from multiple institutions, users can make informed decisions quickly and efficiently. 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!" Such testimonials highlight the effectiveness of LendMesh in helping consumers secure better financial deals. 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.*

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.

THE ONE FEDERAL CREDIT UNION - Cochranton, PA

Compare Loan Rates Near You

Loan rates in Cochranton, PA (16314)