The Summit Credit Union Hilton NY | Affordable Vehicle Loans & Quick Personal Loans

Introduction

Welcome to The Summit in Hilton, where we believe in building strong financial futures for our members and community. Established in 1941, we've been a trusted partner for over 95042 members, helping them achieve their financial goals with confidence. Located at 41 Hovey St, Hilton, NY 14468, our branch is dedicated to providing personalized services tailored to your needs. At The Summit, we understand that every member's journey is unique. With total assets of $1,352,881,336 and total deposits reaching $73,606,513, we are well-equipped to support various financial endeavors. Our commitment to transparency and reliability is reflected in our robust net worth of $144,591,455 and the substantial cash in hand amounting to $3,677,137. Under the leadership of CEO Laurie Baker and Board President Christian Modesti, our team of 253 employees works diligently to provide exceptional service. Whether you're looking for auto loans, mortgage financing, or personal banking solutions, we're here to guide you every step of the way. While you can visit us at our branch for all your banking needs, please note that official correspondence should be sent to the same address: 41 HOVEY ST, HILTON, NY 14468. Our friendly staff is ready to assist you during operating hours: Monday through 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. Join us at The Summit and experience a credit union that prioritizes your financial well-being. For any inquiries or assistance, feel free to call us at 585-453-8741 or visit our website at www.summitfcu.org. Your future starts here!

Branch History & Mission

At The Summit, located at 41 Hovey St, Hilton, NY 14468, we take pride in our rich history and the strong community ties we've built since our establishment in 1941. Over the decades, we have grown from a small credit union into a trusted financial partner for more than 95,000 members. Our journey reflects the spirit of collaboration and commitment to serving our members' needs. The Summit was founded with a simple yet powerful mission: to provide accessible financial services while making a positive impact in our community. As we evolved, we embraced technology and innovation to enhance our offerings, ensuring that our members have the tools they need for their financial journeys. Today, with total assets exceeding $1.35 billion, we remain dedicated to providing personal banking solutions such as checking and savings accounts, auto loans, mortgage loans, and credit cards with rewards. Our mission goes beyond just financial transactions; it's about empowering individuals and families. We believe that everyone deserves access to resources that can help them thrive financially. This commitment is evident in our outreach efforts and partnerships within the Hilton community. We actively support local initiatives and encourage our members to engage in volunteer opportunities. While members can visit us at 41 Hovey St for their banking needs, official correspondence should be sent to 41 HOVEY ST, HILTON, NY 14468 if different from the branch address. We offer convenient operating hours Monday through Thursday from 9 AM to 4 PM (Wednesday from 10 AM to 4 PM), Friday from 9 AM to 6 PM, and Saturday from 9 AM to 1 PM to accommodate our members' busy schedules. Although we do not currently offer ATM or drive-thru services at this location, we are proud to provide shared service center availability for basic transactions like deposits and withdrawals through partner credit unions. Our digital advancements ensure that members can manage their finances online or via mobile banking with ease. As we look forward to the future, The Summit invites you to join our growing family. Experience firsthand how we prioritize your financial well-being while fostering a supportive community environment. Connect with us today by calling 585-453-8741 or visiting our website. Together, let's build a brighter financial future!

Branch Location & Accessibility

Convenient Access

At The Summit, we prioritize accessibility for all our members. Our branch is designed with features that ensure everyone can access our services comfortably. While we don't have a drive-thru or ATM on-site, our dedicated team is ready to assist you inside during our operating hours. You can visit us Monday through Tuesday from 9 AM to 4 PM, Wednesday from 10 AM to 4 PM, Thursday and Friday from 9 AM to 6 PM, and Saturday from 9 AM to 1 PM. Parking is available nearby, making it simple for you to pull up and come in. If you need assistance or have questions about your banking needs, don't hesitate to reach out at 585-453-8741.

Friendly Services

At The Summit, we offer a range of personal banking services tailored for your convenience. Whether you're looking for checking and savings accounts, auto loans, mortgage options, or credit cards with rewards, we've got you covered. Additionally, we provide basic shared branch transactions for partner credit union members so that you can handle your banking needs smoothly. While official correspondence should be sent to our mailing address at 41 HOVEY ST, HILTON, NY 14468 if it differs from our physical location, we invite you to visit us in person for any service inquiries. Join us today and discover how The Summit can help you achieve your financial goals! We look forward to welcoming you into our community!

Member Eligibility

At The Summit, becoming a member feels like joining a close-knit family that truly cares about your financial well-being. If you're looking to become part of our community, we welcome you with open arms! Membership is typically available to those who live, work, worship, or attend school in the area surrounding our branch at 41 Hovey St Hilton Ny 14468. This means that whether you're a local resident or just passing through, there's a good chance you can join us and enjoy all the benefits we offer. For the latest details on eligibility criteria, feel free to check out our website at . Opening an account is a straightforward process designed with you in mind. You can easily start your journey with us by visiting this link: https://tscu.bd.digitals.dmattercloud.com/landingpage . Our friendly team is here to assist you every step of the way, so don't hesitate to reach out at (585) 453-8741 if you have any questions or need guidance. We're excited to help you embark on your financial journey with The Summit!

Business Banking & Commercial Services

Commercial 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 $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.

Merchant Services That Make Transactions Easy

In today's fast-paced market, efficient payment solutions are crucial. Our merchant services help you accept payments seamlessly, whether in-store or online. Imagine running your café and watching customers pay effortlessly using their smartphones or credit cards. This convenience enhances customer satisfaction and boosts sales all thanks to our reliable services. Visit us at 41 Hovey St Hilton Ny 14468 in Hilton, NY, or call us at (585) 453-8741 to learn how we can assist your business in thriving today!

Comprehensive List Of Services

Business Banking

For our members who are entrepreneurs, our business banking services include merchant services and business loans designed to support your ventures. We know how important it is for businesses to have reliable financial backing, so we're here to help you succeed.

Credit Cards with Rewards

We also offer credit cards with rewards that allow you to earn points on everyday purchases. Imagine using your card for groceries or gas and getting rewarded for it it's just one way we strive to add value to your spending.

Loans and Financing

Planning to buy a new car? Our auto loans and vehicle financing options make it easy to get behind the wheel without breaking the bank. If you're considering purchasing a home or refinancing your current mortgage, we provide competitive mortgage loans and refinancing solutions tailored just for you. For those unexpected expenses or consolidating debt, our personal loans can give you the financial relief you need.

Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why at The Summit, we offer robust online and mobile banking options. Manage your accounts anytime, anywhere whether it's transferring funds between accounts or checking your balance before making a purchase. You can even send money easily through our person-to-person payment services, making transactions between friends or family simple and hassle-free.

Personal Banking

When it comes to personal banking, we understand that each member has unique goals. That's why our offerings include checking and savings accounts designed to help you manage your day-to-day finances effectively. Whether you're saving for a big purchase or simply looking for a safe place to keep your money, our accounts come with features that fit your lifestyle.

Shared Branch Services

Additionally, as part of our commitment to accessibility, we provide basic shared branch transactions like deposits and withdrawals for members of partner credit unions. This means you can access your funds even when you're away from home. If you have questions about any of these services or want to learn more about how we can assist you on your financial journey, don't hesitate to reach out! Contact us at 585-453-8741, or visit us at 41 Hovey St, Hilton NY 14468. We look forward to helping you achieve your financial goals! Explore all that The Summit has to offer today!

Digital & Online Banking

Key Features

With our 24/7 online banking services, you have the power to manage your accounts at any time. Whether you're checking your balance, transferring funds, or paying bills, everything is just a click away. Plus, our person-to-person transfer feature allows you to send money to friends and family quickly and easily, making it simple to share expenses or send gifts. For those who prefer to go paperless, we provide e-statements that keep you organized without the clutter of paperwork. You'll receive your statements securely online, giving you peace of mind while helping the environment.

Security & Accessibility

We prioritize your security with every transaction. While we currently don't offer electronic signature authorization or mobile payments, our existing features are built to protect your information and ensure safe transactions. Although we do not have a dedicated mobile application yet, our website is fully optimized for mobile use, allowing you to bank on-the-go without any hassle. At The Summit, we're committed to providing user-friendly tools that empower you in managing your finances effectively. Whether you're at home or out and about, our online banking services give you real-time access to your accounts whenever you need it. Experience the ease of banking with us today!

Financial Strength

Growing Membership Trust

With a total of 188,315 share accounts, we showcase a strong and growing member base that trusts us with their finances. Our net shares (funds available for lending and investments) stand at $2,006,243, further underscoring our ability to support your financial journey. 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 41 Hovey St Hilton Ny 14468 or call (585) 453-8741 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.

Lending Power

Our strong lending capacity is highlighted by $22,468 in used auto loans and $1,144,430,854 in total loans and leases. This means we're here to help you finance your needs when it matters most.

Member-Centric Savings

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.

Operational Efficiency

While our $0 reflects our operational efficiency, enabling 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, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvestment for 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. This commitment to growth helps us support your financial goals more effectively.

Solid Financial Foundation

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

Auto Loans

Looking to buy a new car? Our auto loans provide some of the lowest rates in the industry. We've already issued $424,501,031 in used vehicle loans and $338,132,492 in new vehicle loans to help our members get on the road. Whether you're eyeing the latest model or a reliable used option, we have competitive financing solutions ready for you. Don't forget we also offer refinancing options if you're looking to lower your monthly payments!

Credit Lines

Our total credit lines amount to $679,605,578, providing a safety net for unexpected expenses or planned purchases. With our credit lines, you can access funds when needed without the hassle of applying for a new loan each time. At The Summit, we prioritize your financial well-being and aim to empower our members through responsible lending practices. If you're considering any of our loan products or need more information about eligibility options and refinancing opportunities, don't hesitate to reach out to us at 585-453-8741. For further insights and financial data regarding our performance and offerings sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results. Explore how we can assist you today!

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $112,630,740. We simplify the buying or refinancing process so that you can focus on what matters most turning your house into a home.

Unsecured Credit Card Loans

Managing day-to-day expenses? We offer flexible terms on unsecured credit card loans, with a total of $28,173,948 in loans helping members manage their finances effectively. This option provides you with the freedom to make purchases while keeping your budget in check.

Loan Aggregator

Benefits of Using LendMesh

One of the standout features of LendMesh is its approach to transparency: - Verified Data: All loan offers come from legitimate financial institutions, ensuring users have access to credible information. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions. The goal is to provide unbiased results that you can trust. - Real-Time Rate Comparisons: Users benefit from up-to-date loan rates from multiple institutions, allowing them to make informed decisions quickly. 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!" Ready to find the best loan rates for your needs? Compare real-time loan offers today at LendMesh. *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 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 to accurate sourcing ensures that users receive fair and transparent offers. By using verified data, LendMesh helps consumers navigate the loan landscape without the confusion often caused by misleading information.

THE SUMMIT FEDERAL CREDIT UNION