The Summit Credit Union Rochester NY | Best Auto Loans & Personal Banking

Introduction

Welcome to The Summit, your trusted financial partner located at 2087 E Henrietta Rd, Rochester, NY 14623. Since our establishment in 1941, we've proudly served our community by providing a wide range of financial services tailored to meet the needs of our 95,042 members. With total assets exceeding $1.35 billion, we are committed to helping you achieve your financial goals through personalized banking solutions. At The Summit, we understand that each member has unique needs. That's why we offer diverse products such as checking and savings accounts, auto loans, mortgage refinancing, and credit cards with rewards. Our dedicated team, led by CEO Laurie Baker and Board President Christian Modesti, is here to provide you with exceptional service every step of the way. While members can visit us at our branch for assistance, official correspondence should be sent to 2087 E HENRIETTA RD, ROCHESTER, NY 14623 if needed. We take pride in our community impact; with over $73 million in total deposits and a robust loan portfolio of 83,530, we strive to empower our members financially. With a strong net worth of $144 million and cash reserves of $3.68 million, you can trust that your finances are in safe hands. Whether you're looking for personal loans or business banking options, The Summit is equipped to support your journey. We invite you to explore what we have to offer! For more information or assistance, feel free to call us at 585-453-7218 or visit our website at www.summitfcu.org. Your financial success starts here!

Branch History & Mission

Accessibility and Convenience

We understand that convenience matters to our members. That's why we are proud to offer drive-thru banking services and ATM availability at our branch. For those who prefer online interactions, our digital banking platform allows members to manage their accounts easily from anywhere. While you can visit us at 2087 E Henrietta Rd, official correspondence should be sent to the same address for consistency in communication.

Join Us

As we continue our journey into the future, we invite you to join The Summit family. Experience the difference of being part of a credit union that genuinely cares about your financial success and community welfare. Visit us today or learn more by calling (585) 453-7218 or exploring our website at summitfcu.org. Together, let's build a brighter financial future!

Our Evolution

From its humble beginnings, The Summit was built on the principles of community and member support. As we grew, we introduced various financial products tailored to meet the diverse needs of our members. Today, we offer everything from personal banking options like checking and savings accounts to auto loans, mortgages, and even business banking services. Our commitment to innovation has led us to embrace online banking solutions that make managing finances easier for everyone.

Our Mission

At The Summit, our mission is simple yet profound: We strive to provide excellent financial services while making a positive impact in our community. We believe in treating our members with respect and understanding their unique needs. Our focus is not just on transactions but also on building lasting relationships that foster trust and support. In addition to providing top-notch financial products, we actively engage in community outreach efforts. Whether through partnerships with local organizations or participation in events that benefit our neighbors, we aim to give back and help those around us thrive.

Branch Location & Accessibility

Welcome to The Summit, your friendly neighborhood credit union located at 2087 E Henrietta Rd in Rochester, NY! We take pride in being conveniently situated in Monroe County, making it easy for you to access our services. Whether you're heading to a nearby landmark or just passing through, finding us is a breeze. Our branch is designed with accessibility in mind. You'll find ample parking available, and our facilities are ADA compliant, ensuring that everyone can easily navigate our space. If you prefer banking from the comfort of your car, we also offer drive-thru banking for quick deposits and withdrawals. While members can visit us at 2087 E Henrietta Rd, official correspondence should be sent to the same address. Our operating hours cater to your busy schedule: we're open 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. At The Summit, we provide a wide range of services including personal banking options like checking and savings accounts, auto loans, mortgage loans, and more. Plus, with ATM availability and shared service transactions for partner credit union members, we strive to meet all your banking needs. Got questions? Don't hesitate to give us a call at 585-453-7218. We look forward to welcoming you in person!

Member Eligibility

At The Summit, we believe that everyone deserves a supportive financial community, and becoming a member is the first step to joining us. If you live, work, or worship in the Rochester area, you're already eligible! We welcome individuals from all walks of life, whether you're looking for personal banking solutions, vehicle financing, or even business services. Our goal is to provide a friendly and inclusive environment where you can feel at home with your finances. For more detailed information on eligibility criteria, please visit our website at . Opening an account with us is straightforward! You can easily start the process online by following this link: https://tscu.bd.digitals.dmattercloud.com/landingpage . If you have any questions or need assistance along the way, don't hesitate to reach out to us at (585) 453-7218. We're here to help you every step of the way as you join the The Summit family at our location on 2087 E Henrietta Rd Rochester Ny 14623.

Business Banking & Commercial Services

Business Loan Options

Imagine having the financial backing to launch that innovative product or to invest in new technology that can streamline your operations. 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

Additionally, our merchant services offer practical tools that make daily transactions easier. Imagine being able to accept payments from customers seamlessly, whether they pay with a card or mobile wallet. These services not only enhance customer experience but also help you manage cash flow more effectively. Visit us at 2087 E Henrietta Rd Rochester Ny 14623 in Rochester, NY, or call us at (585) 453-7218 to learn more about how we can help your business thrive!

Comprehensive List Of Services

ATM & Drive-Thru Services

Need cash quickly? Our ATM services ensure that you can withdraw cash or check your balance whenever you need it. Additionally, our basic drive-thru banking allows for quick deposits, withdrawals, and simple transactions without leaving your car. We also participate in shared branching transactions for partner credit union members making it easier than ever for everyone to access their funds. Whether you're in Rochester or just passing through, we're here for all your financial needs. Reach out today at 585-453-7218 or visit us online at summitfcu.org to learn more about how we can assist you in achieving your financial goals. We look forward to welcoming you into The Summit family!

Business Banking Solutions

For our business members, The Summit offers robust banking solutions including merchant services and business loans. We understand that running a business comes with its unique challenges, so we strive to provide resources that support your growth and success.

Convenient Online & Mobile Banking

We know that life can get busy, which is why our online and mobile banking features allow you to manage your finances anytime, anywhere. With easy access to your accounts through online banking, you can check balances, transfer funds, and even pay bills all from the comfort of your home or on the go.

Personal Banking Made Easy

Our personal banking services include various checking and savings accounts, allowing you to choose the right fit for your financial goals. For those in need of financing, we offer competitive auto loans and vehicle financing options that help you get behind the wheel without breaking the bank. If home ownership is on your mind, our mortgage loans and refinancing services provide tailored solutions to meet your needs. Do you have debts weighing you down? Our personal loans and debt consolidation services can help you manage your finances better by combining multiple payments into one manageable loan. Plus, don't forget about our credit cards with rewards perfect for those who want to earn while they spend.

Digital & Online Banking

Key Features

For those who enjoy keeping their banking simple yet effective, we provide e-statements to help you track your transactions without the clutter of paper statements. Plus, with person-to-person transfers, sending money to friends or family is quick and straightforward no need for cash or checks! We prioritize your security while using our digital services. Although we currently do not offer electronic signature authorization, we ensure that all transactions are safe and encrypted. Our team is dedicated to keeping your information secure as you navigate your financial journey. While we don't have a mobile application or mobile payments feature just yet, our online banking portal is user-friendly and designed for easy navigation. This means you can access everything you need with just a few clicks. At The Summit, we aim to make banking not only convenient but also manageable in real-time. Whether you're at home or out running errands, our online services help you stay connected to your finances whenever you need them. Join us today and experience hassle-free banking at its best!

Financial Strength

Commitment to Growth and Innovation

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 lending capacity supports your financial goals across various sectors with $22,468 in used auto loans and $1,144,430,854 in total loans and leases.

Growing Trust Among Members

Our strong member base is evidenced by our total share accounts of 188,315, showcasing the trust placed in us by nearly 95,000 members. With net shares available for lending and investments totaling $2,006,243, we remain prepared to meet your financial needs head-on. In conclusion, 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 2087 E Henrietta Rd Rochester Ny 14623 or call (585) 453-7218 to learn more about how we can help you achieve your financial goals.

Member-Centric 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.

Operational Efficiency

Our commitment to excellence is reflected in our operational efficiency, as shown by our $0. This enables 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.

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 offer some of the lowest rates in the industry, with over $424,501,031 in used vehicle loans and $338,132,492 in new vehicle loans already helping members get on the road. Whether you're purchasing a brand-new model or a reliable used vehicle, our financing options make it easier than ever.

Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $28,173,948 in loans helping members manage their finances effectively. These cards come with no annual fees and competitive interest rates to help you maintain control over your spending.

Credit Lines and Other Options

In addition to auto and mortgage loans, we provide credit lines totaling $679,605,578, allowing members access to additional funds when needed. This can be an excellent option for managing unexpected expenses or consolidating debt. No matter what you're looking for whether it's refinancing an existing loan or exploring new lending options our dedicated team is ready to help you find the right solution tailored just for you. For performance insights and financial data sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Visit us online at The Summit or stop by our branch today!

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $112,630,740, making buying or refinancing simple. With various eligibility options available, we are here to guide you through each step of the process.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency in every comparison. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results so that users can make informed choices without unnecessary influence. - Real-Time Rate Comparisons: Users have access to up-to-date loan rates from multiple institutions. This feature empowers individuals to explore their options and choose what best fits their needs. 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 simplifying the loan search process. 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 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 ), ensuring fair and transparent offers. This commitment to accuracy means users can trust that the information they receive reflects current market conditions.

THE SUMMIT FEDERAL CREDIT UNION