The Summit Credit Union East Amherst NY | Best Auto Loans & Business Banking

Introduction

Welcome to The Summit, your trusted partner in financial wellness, located at 5641 Transit Rd, East Amherst, NY 14051. Since our establishment in 1941, we have proudly served our community, cultivating a strong relationship with our 95,042 members. Our commitment to providing exceptional service and support has helped us amass total assets of over $1.35 billion and maintain a net worth of $144,591,455. At The Summit, we believe that banking should be straightforward and accessible. With total loans exceeding 83,530 and deposits totaling $73,606,513, we strive to meet the diverse needs of our members. We also ensure you have easy access to your funds with services like online banking and ATMs available for your convenience. Our team is led by CEO Laurie Baker and Board President Christian Modesti, who are dedicated to fostering a welcoming environment where you can feel secure about your financial future. If you need assistance or have questions about our services ranging from personal banking to business loans don't hesitate to reach out at 585-453-8708. While members can visit us at our branch location, official correspondence should be sent to the same address: 5641 TRANSIT RD, East Amherst, NY 14051-1805. Join us today at The Summit and discover how we can support your financial journey! For more information about our offerings or to become a member, please visit our website at www.summitfcu.org.

Branch History & Mission

Commitment to Innovation

As times change, so do we. We embrace technology to enhance member experiences while ensuring accessibility for all. Our online banking platform allows members to manage their finances anytime and anywhere easily. Additionally, our drive-thru service and ATM availability ensure that accessing your funds is convenient whenever you need them.

Join Us Today

With over 95042 members benefiting from our services and a dedicated team ready to assist you, The Summit is not just about banking; it's about building relationships and supporting dreams. If you're looking for a financial partner that truly cares about your success and well-being, look no further! Visit us today or call us at 585-453-8708 to learn more about how we can help you achieve your financial goals. Join The Summit family where your future matters!

Our Mission

At The Summit, our mission is straightforward: to provide exceptional financial services while fostering a sense of community. We strive to make banking easier for everyone by offering personalized support and innovative solutions tailored to individual needs. Whether it's helping you secure your first home or providing guidance on managing debt, we're here for you every step of the way. We believe that being part of a credit union means being part of something bigger. We actively engage with local organizations and initiatives that uplift our community whether through educational workshops or partnerships with non-profits focused on financial literacy.

Our Story

The Summit first opened its doors on Transit Road, where we have proudly served our members for more than eight decades. Over the years, we have adapted to meet the changing needs of our community while maintaining our core values of integrity and service. As we grew, so did our offerings expanding from basic savings accounts to a comprehensive range of financial products that include auto loans, mortgages, personal loans, and more. Our branch is conveniently located at 5641 Transit Rd, East Amherst, NY 14051, making it easy for members to access our services. For official correspondence, please send your mail to 5641 TRANSIT RD, East AMHERST, NY 14051-1805 if different from our physical address.

Branch Location & Accessibility

Accessibility Features

At The Summit, we prioritize accessibility for all our members. Our branch is fully ADA compliant, featuring ramps and designated parking spaces to ensure easy access for everyone. We want to make sure that whether you're visiting for a simple transaction or discussing your financial goals with our staff, you feel comfortable and welcome.

Banking Hours

We understand that life gets busy! That's why our lobby hours are designed with your schedule in mind. You can visit us Monday and Tuesday from 9 AM to 4 PM, Wednesday from 10 AM to 4 PM, Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 1 PM. With these extended hours, we aim to be available when you need us most.

Call to Action

Ready to experience convenient banking? We invite you to stop by The Summit at 5641 Transit Rd or give us a call at 585-453-8708 if you have any questions. Our friendly team looks forward to welcoming you into our community!

Services Offered

At The Summit, we offer a variety of services tailored to meet your needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing our team is equipped to assist you every step of the way. If you're in a hurry, take advantage of our drive-thru service for quick deposits or withdrawals without leaving your car. Plus, with ATM availability on-site, accessing cash has never been easier!

Member Eligibility

Joining The Summit feels like stepping into a welcoming family, where your financial goals are understood and supported. To become a member, you simply need to meet a few friendly eligibility criteria. If you live, work, worship, or attend school in the areas we serve, you're already on your way! Even if you have family members who are part of our credit union, that makes you eligible too. We believe in making banking accessible and personal for everyone in our community. For more detailed information on eligibility, feel free to check out our resources at . Opening an account is just as easy! You can start the process online through this link: https://tscu.bd.digitals.dmattercloud.com/landingpage , or if you prefer a more personal touch, don't hesitate to reach out to us at (585) 453-8708. Our branch is located at 5641 Transit Rd East Amherst Ny 14051, and we're excited to help you take this important step toward better banking!

Business Banking & Commercial Services

Merchant Services That Matter

When it comes to transactions, we offer robust merchant services that simplify payment processing for your business. Imagine being able to accept payments effortlessly, whether online or in-person, allowing you to focus on what really matters growing your business. Our tools help streamline operations, making it easier for you to serve your customers efficiently. Located at 5641 Transit Rd East Amherst Ny 14051 in East Amherst, NY, we are dedicated to being your trusted financial partner. For more information about how our business banking services can benefit you, give us a call at (585) 453-8708 or visit us online at https://www.summitfcu.org/ . Let's work together to build a brighter future for your business!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need cash on the go? Our branch includes an ATM for quick withdrawals or balance checks. Plus, if you prefer face-to-face interactions for simpler transactions like deposits or withdrawals, our basic drive-thru banking service ensures that you're not left waiting in line. You can also take advantage of shared branch transactions if you're a member of partner credit unions, providing even more flexibility when accessing your funds. At The Summit in East Amherst, we pride ourselves on offering personalized service tailored to fit the unique needs of each member. To learn more about how we can help you achieve your financial goals or to open an account today, visit us online at www.summitfcu.org or call us at 585-453-8708. Your journey toward financial wellness starts here!

Business Banking Services

For entrepreneurs and small business owners, we provide essential business banking services including merchant services and business loans. We believe in supporting local businesses because they are the backbone of our community.

Convenient Digital Banking

In today's fast-paced world, convenience is key. That's why we offer online and mobile banking options that let you manage your finances anytime, anywhere. With features like person-to-person payments and easy access to your accounts, banking has never been easier.

Flexible Lending Options

Life can sometimes throw unexpected expenses your way, and that's where our personal loans and debt consolidation services come in handy. We aim to make borrowing simple and stress-free. Additionally, our credit cards with rewards allow you to earn while you spend, making everyday purchases even more rewarding.

Personal Banking Solutions

We understand that personal banking is more than just transactions; it's about building relationships and helping you achieve your financial goals. Our offerings include checking and savings accounts, which are perfect for everyday needs or saving for future plans. If you're thinking about buying a car, our auto loans and vehicle financing options provide competitive rates to help you drive away in your dream vehicle. For those considering homeownership, we offer mortgage loans and refinancing solutions tailored to fit your budget. Whether you're a first-time buyer or looking to refinance an existing mortgage, we are here to guide you through the process.

Digital & Online Banking

Accessibility and Security

We prioritize security in all our digital offerings. Although we do not use electronic signature authorization for transactions at this time, rest assured that your data is safeguarded using the latest technology. Our goal is to provide you with an accessible experience without compromising on safety. With The Summit, managing your finances has never been easier or more secure. Join us today and discover how our digital banking services can simplify your life! For more information and to get started, visit us at https://www.summitfcu.org/ .

Key Features

Our 24/7 online banking services give you access to your accounts around the clock. Check balances, view transaction history, and pay bills with just a few clicks. If you prefer paperless options, our e-statements are available, making it easy to keep track of your finances while helping the environment. Need to send money quickly? With our person-to-person transfer feature, you can easily send funds to friends or family without any hassle. While we don't currently support mobile payments or have a dedicated mobile application, our online platform is user-friendly and secure, ensuring that your personal information stays protected.

Financial Strength

Commitment to Growth

With $124,240,311 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our commitment is reflected in our lending capacity; with $22,468 in used auto loans and $1,144,430,854 in total loans and leases, we support members' financial goals across various sectors.

Growing Member Base

We have established a strong community connection with a total of 188,315 share accounts. This growing member base trusts us with their finances because they know we prioritize their best interests. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, The Summit is your trusted partner. Visit us at 5641 Transit Rd East Amherst Ny 14051 or call (585) 453-8708 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our operations reflect our dedication to efficiency as shown by our $0. This allows us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 246 full-time employees and 7 part-time employees who ensure that our branches are always ready to serve you with a knowledgeable, committed team.

Secure Savings Options

Members' savings are secured through $430,525,811 in share certificates and $317,993,602 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $25,722,158, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Solid Financial Health

With a net worth of $144,591,455, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,068 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

Additional Financing Options

For those interested in expanding their business ventures or personal projects, we also provide credit lines totaling $679,605,578. This flexibility allows you to access funds when you need them most. If you're considering refinancing any existing loans or exploring eligibility options for our various products, please don't hesitate to reach out. Our team is ready to assist you in finding the best solutions tailored to your unique circumstances. You can contact us at 585-453-8708 or visit us at 5641 Transit Rd East Amherst NY 14051 for more information about our loan offerings and 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.

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. We have already issued over $338,132,492 in new vehicle loans and $424,501,031 in used vehicle loans, helping our members get on the road with confidence. Whether you are considering a brand-new model or a reliable pre-owned option, we are here to help make your car-buying experience smooth and affordable.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $112,630,740. These options make buying or refinancing simple and accessible for our members. We encourage you to explore the possibilities with us; homeownership is within reach!

Unsecured Credit Card Loans

Managing everyday expenses can be easier with our flexible terms on unsecured credit card loans. We currently have a total of $28,173,948 in these loans helping members navigate their finances effectively. Our credit cards come with competitive rates and features designed for convenience and peace of mind.

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 means that every loan offer you see is fair and transparent. LendMesh prioritizes accuracy by working only with reputable lenders who meet strict regulatory guidelines.

THE SUMMIT FEDERAL CREDIT UNION