Top Tier Credit Union Clarion PA | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Top Tier Federal Credit Union, where your financial well-being is our top priority! Located at 144 Holiday Inn Rd, Clarion, PA 16214, we have been serving our community since 1940. Over the years, we've built a strong foundation of trust and reliability, helping 15,906 members achieve their financial goals. At Top Tier, we pride ourselves on being more than just a credit union; we are a part of your community. With total assets exceeding $212,801,148 and total deposits of $5,346,092, we offer a safe haven for your savings while providing a wide array of services designed to meet your needs. Our dedicated team of 43 employees, led by CEO Mark Lauer and Board President Deborah Boyles, is here to support you every step of the way. Whether you're looking for personal banking options like checking accounts and auto loans or business banking solutions such as merchant services and business loans, we've got you covered. Our commitment to excellence is reflected in our net worth of $22,142,837 and a solid cash reserve of $1,323,355. While members can visit us at our branch location for friendly service and expert advice, official correspondence should be sent to the same address: 144 Holiday Inn Rd, Clarion, PA 16214. Explore our website at toptierfcu.org for more information about our services or to begin your application process. If you have any questions or need assistance, don't hesitate to reach out at 814-226-5032. Join us today and discover how Top Tier can help you achieve your financial dreams!

Branch History & Mission

Join Us

We invite you to experience the many benefits of being part of Top Tier Federal Credit Union. With ATM availability and drive-thru banking for added convenience, your banking needs are met with ease. Discover how we can help you achieve your financial goals today! Call us at (814) 226-5032 or visit us online at Top Tier FCU to learn more about membership options and services tailored just for you. Together, let's build a brighter future for ourselves and our community!

Our Journey

From the moment we opened our doors, Top Tier has focused on creating lasting relationships with our members. Over the years, we've adapted to the changing needs of our community while staying true to our mission of providing accessible financial services. Today, with total assets amounting to an impressive $212,801,148, we are committed to enhancing the lives of those we serve through personal banking solutions such as checking and savings accounts, auto loans, mortgages, and more. Our headquarters in Clarion serves as a hub for innovation and support. As technology has evolved, so have we. With services like online banking and mobile applications available for our members, we're dedicated to ensuring that managing finances is convenient and straightforward. We also prioritize accessibility and compliance with ADA standards so everyone can benefit from our services.

Our Mission

At Top Tier Federal Credit Union, our mission extends beyond just providing financial products; it's about making a positive impact on the community. We believe in supporting local initiatives and partnerships that uplift our neighbors and foster growth within Clarion. Whether through community outreach programs or educational workshops on financial literacy, we aim to empower every member with the knowledge they need to make informed decisions. While members can visit us at 144 Holiday Inn Rd Clarion Pa 16214, official correspondence should be sent to 144 Holiday Inn Rd, Clarion, PA 16214. With operating hours that cater to your schedule Monday through Thursday from 8:00 AM to 4:30 PM, Friday until 6:00 PM, and Saturday from 9:00 AM to 12:00 PM we ensure that quality service is always within reach.

Branch Location & Accessibility

Convenient Access

Our branch features ample parking space, ensuring that you can visit without any hassle. We are committed to accessibility, equipped with ADA-compliant ramps and features to accommodate all members of our community. Whether you're stopping in for a quick transaction or seeking advice on financial matters, we're here to help.

Get in Touch!

Have questions or need assistance? Feel free to give us a call at 814-226-5032. Our friendly staff is always ready to assist you with any inquiries you may have. We invite you to come visit us at Top Tier and experience the difference of being part of a supportive financial community!

Operating Hours

We know that life gets busy, so we strive to make banking as easy as possible. You can visit us Monday through Thursday from 8:00 AM to 4:30 PM, Friday until 6:00 PM, and on Saturday from 9:00 AM to 12:00 PM Drive-Thru service only on Saturdays. Our extended hours during the week mean you have plenty of time to fit banking into your schedule.

Services Offered

At Top Tier, we offer a wide array of services tailored to meet your personal and business needs. Whether you're looking for checking and savings accounts, auto loans, mortgage options, or even credit cards with rewards, we've got you covered! Plus, our ATM is readily available for withdrawals and balance checks around the clock.

Member Eligibility

At Top Tier, we believe that everyone deserves a chance to be part of a caring financial community. Becoming a member is simple and welcoming! If you live, work, or worship in the Clarion area or have a family member who is already part of our credit union, you're likely eligible to join us. This means you can enjoy our range of services designed to help you thrive financially, from checking accounts to auto loans. To find out more about the specific eligibility criteria, please visit our website at . Opening an account with us is just as easy! You can start your journey towards membership by filling out an application online through this link: https://toptierfcu.org/loan-application/ . If you have any questions or need assistance, feel free to reach out at (814) 226-5032. We're here for you every step of the way!

Business Banking & Commercial Services

Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $115 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $14,208,408, we continue to drive economic growth by financing new and expanding businesses. Imagine having the financial backing to purchase new equipment, hire more staff, or invest in marketing. Our member-focused approach means you get personalized service and competitive rates that align with your goals.

Merchant Services

In addition to loans, we provide essential merchant services designed to simplify payment processing for your business. Picture this: you're at a bustling market, and customers are eager to buy your products. With our merchant services, you can accept payments quickly and securely, ensuring a smooth experience for both you and your customers. Visit us at 144 Holiday Inn Rd Clarion Pa 16214 in Clarion, PA or give us a call at (814) 226-5032 to explore how our business banking and commercial services can empower your success!

Comprehensive List Of Services

Business Banking Solutions

For our small business members, we provide comprehensive business banking services, including merchant services and business loans. Whether you're just starting out or looking to expand, our team is here to support your business goals with personalized advice and flexible financing options.

Credit Cards and Rewards

We understand that managing everyday expenses is important, which is why we offer credit cards with rewards. You can earn points on your purchases that can be redeemed for various benefits. It's an easy way to get more from your spending while enjoying the perks of being a member of Top Tier Federal Credit Union.

Digital Banking Convenience

In today's fast-paced world, convenience matters. That's why we offer robust online and mobile banking solutions. With just a few clicks, you can check your balance, transfer funds, or pay bills right from your smartphone or computer. We also provide access to ATMs for quick cash withdrawals and simple transactions through our basic drive-thru banking service.

Friendly Access Points

At Top Tier, we ensure that accessing your account is hassle-free. You can take advantage of our ATM and cash withdrawal services, as well as enjoy basic drive-thru banking for deposits, withdrawals, and other simple transactions without needing to leave your vehicle. If you have questions about any of these services or need assistance selecting the right option for you, feel free to reach out at (814) 226-5032. We're here for you during our operating hours: Monday through Thursday from 8:00 AM to 4:30 PM, Friday from 8:00 AM to 6:00 PM, and Saturday from 9:00 AM to 12:00 PM (Drive-Thru Only). Explore the many ways we can assist you at Top Tier Federal Credit Union by visiting us at 144 Holiday Inn Rd Clarion Pa 16214 in Clarion, PA. Your financial journey is important to us let's make it a great one together!

Personal Banking

Our personal banking services are designed with you in mind. We offer checking and savings accounts that fit your lifestyle, allowing you to manage your finances easily. If you're considering a new vehicle, our auto loans and vehicle financing options make purchasing your dream car simple and affordable. Need a place to call home? Our mortgage loans and refinancing products can assist you in securing a mortgage that meets your needs. For those unexpected expenses, our personal loans and debt consolidation solutions provide financial relief when you need it most.

Digital & Online Banking

Convenient Online Access

Explore all the features we offer at https://toptierfcu.org/ . Our online banking platform allows you to check your account balances, transfer funds, and pay bills with ease. Whether you're at home or on the go, our 24/7 online banking services ensure that you have control over your financial decisions whenever you need it.

Mobile Convenience

For those who prefer using their smartphones, we have a user-friendly mobile application available. With this app, managing your finances is even more convenient. You can make payments, view transactions, and access all your accounts right from your pocket! While we currently do not offer mobile payments, our app ensures a secure and efficient way to handle everyday banking tasks.

Real-Time Account Management

Stay updated with real-time account management tools that keep you in the loop about your financial activities. You can set up e-statements to receive your account statements electronically, giving you quick access to important information without the clutter of paper. And if you're sending money to family or friends, our person-to-person transfer feature makes it simple and straightforward.

Security First

Your security is our top priority. We utilize advanced security measures to protect your personal information and financial data while providing an easy-to-use interface. Although we do not support electronic signature authorization at this time, rest assured that your transactions are safe with us. Experience the freedom and flexibility of modern banking with Top Tier. Join us today and discover how our digital services can enhance your financial journey!

Financial Strength

Growing Membership Base

We are proud of our growing member base, which currently stands at 30,966 total share accounts. This indicates the trust placed in us by the community and reinforces our mission to provide excellent service. In conclusion, our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Top Tier is your trusted partner. Visit us at 144 Holiday Inn Rd Clarion Pa 16214 or call (814) 226-5032 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.

Member-Focused Savings

Members' savings are secured through $85,246,914 in share certificates, offering stable and rewarding financial growth opportunities. While we prioritize our members, it's also worth noting that we have $0 in non-member deposits. This ensures our resources focus on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our $1,995,359 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 43 full-time employees ready to assist you. While there are no part-time employees at this time, our dedicated team is committed to serving you with knowledge and care.

Reinvesting for Your Benefit

With $20,147,478 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is robust; we currently have $2,748 in used auto loans and $171,765,896 in total loans and leases to support your financial goals across various sectors.

Strong Financial Health

With a net worth of $22,142,837, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,041 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, with over $44,712,485 in used vehicle loans and $21,024,944 in new vehicle loans already helping members get on the road. Whether you're purchasing a brand-new model or a reliable pre-owned vehicle, we have options tailored for you.

Credit Lines and Business Loans

For those seeking additional funding for personal projects or business ventures, our total credit lines amount to $51,262,700. Additionally, we offer outstanding commercial loans totaling $14,208,408 for business owners who need capital to grow and expand their operations. At Top Tier, we're committed to providing transparent and accessible financial solutions that meet your unique needs. If you're interested in refinancing any existing loans or checking your eligibility for one of our products, don't hesitate to reach out! For more information or assistance with your loan application, please call us at 814-226-5032 or visit our website at Top Tier Federal Credit Union. Remember that performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Property loans totaling $8,967,440, making buying or refinancing simple. We provide straightforward terms and competitive rates to help you secure your dream home.

Unsecured Credit Card Loans

Managing your finances effectively is essential. We also offer flexible terms on unsecured credit card loans, with a total of $233,200 in loans helping members navigate everyday expenses without stress. This option is perfect for those looking to build or improve their credit while enjoying the benefits of a credit card.

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TOP TIER FEDERAL CREDIT UNION