Transit Workers Credit Union Philadelphia PA | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Transit Workers, your trusted financial partner located at 919 E Cayuga St, Philadelphia, PA 19124. Since our establishment in 1967, we have been dedicated to serving our community with a focus on trust and reliability. With a strong membership base of 3,901 individuals, we pride ourselves on being more than just a credit union; we are a family that supports each other in achieving financial success. At Transit Workers, we manage total assets of $16,270,211 and offer loans and leases amounting to 1,640. Our commitment to our members is reflected in our total deposits of $3,500,063 and a solid net worth of $2,118,027. We maintain an impressive cash reserve of $246,003, ensuring that we can meet the needs of our members promptly. Our leadership team is dedicated to providing you with the best service possible. Led by CEO Kelly Little and Board President Brenda Draper, our team is here to assist you every step of the way. Whether you're looking for personal banking solutions like checking and savings accounts or need help with auto loans and mortgages, we're ready to guide you. For any official correspondence, please send it to the same address: 919 E Cayuga St, Philadelphia, PA 19124. Our office hours are convenient for your busy schedule: Monday, Wednesday through Friday from 8:30 AM to 4:00 PM and Tuesday from 9:00 AM to 5:00 PM. We invite you to explore our services further by visiting our website at twfcu.org or calling us at 215-743-2922. Let us help you achieve your financial goals today!

Branch History & Mission

Commitment to Innovation

We understand the importance of digital advancements in today's world. That's why we offer online banking services that allow you to manage your finances from anywhere at any time. While we currently do not provide ATMs or drive-thru banking options, our dedicated staff is here during lobby hours Monday through Friday to assist you in person.

Community Focus

As part of our commitment to community support, we actively engage in outreach efforts that align with our values. By forming partnerships with local organizations and participating in community events, we aim to make a positive impact where it matters most.

Join Us Today!

As we look towards the future, we invite you to join Transit Workers and experience firsthand the benefits of being a member of a credit union that genuinely cares about its community. Visit us today at 919 E Cayuga St or give us a call at 215-743-2922 to learn more about how we can help you achieve your financial goals!

Our Evolution

From our humble beginnings, Transit Workers has consistently focused on providing personalized service and valuable financial products. We have seen significant milestones over the years, adapting to changing times while remaining committed to our mission. Our branch's evolution is marked by a commitment to community outreach and partnerships that uplift those around us. Whether it's through educational workshops or supporting local events, we strive to be more than just a credit union; we want to be a cornerstone of support for our members and their families.

Our Mission

At Transit Workers, our mission is simple yet powerful: to provide accessible financial services while fostering a sense of community among our members. We believe that everyone deserves financial stability and growth. Our offerings include personal banking services like checking and savings accounts, auto loans, mortgage refinancing options, and credit cards with rewards. Additionally, we cater to business banking needs with merchant services and business loans. While members can visit us at 919 E Cayuga St for their banking needs, official correspondence should be sent to the same address as there is no separate mailing address.

Branch Location & Accessibility

Banking Services Just for You

At Transit Workers Credit Union, we offer a variety of services tailored to meet your financial needs. From personal checking and savings accounts to auto loans and credit cards with rewards, we're here to support you every step of the way. Need help managing your finances? Our knowledgeable team can provide guidance on mortgage loans and refinancing options too. We invite you to come by and see how we can assist you with your banking needs. Stop by today or give us a call!

Convenient Access and Features

Our branch is designed with your comfort in mind. Parking is readily available, and we have made sure our facilities are ADA compliant, featuring ramps and accessible entrances for everyone. Although we currently do not offer drive-thru service or ATM access on-site, our friendly staff is always eager to assist you directly at the counter.

Operating Hours Tailored for You

We understand that life can get busy, which is why our lobby hours are designed to accommodate your schedule. Visit us on Monday, Wednesday, Thursday, and Friday from 8:30 AM to 4:00 PM. On Tuesdays, we're open a bit later from 9:00 AM to 5:00 PM. Feel free to call us at 215-743-2922 if you have any questions or need assistance before your visit.

Member Eligibility

At Transit Workers, we believe that everyone deserves a chance to be part of a supportive financial community. If you're looking to join us, becoming a member is easy! Eligibility typically includes individuals who work for or are retired from the transit industry, as well as their family members. This means if you have a connection to transit workers, you can enjoy all the benefits our credit union has to offer. We're here to help you with everything from checking and savings accounts to loans and personalized financial advice. For more detailed eligibility criteria, feel free to check out our resource. Getting started is simple! You can open your account online by visiting https://www.realtimehomebanking.com/enroll.aspx?clientid=17885 or give us a call at (215) 743-2922 if you have any questions. We look forward to welcoming you into the Transit Workers family at our branch located at 919 E Cayuga St Philadelphia Pa 19124!

Business Banking & Commercial Services

Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. While we currently have no member or non-member commercial loans available, we're dedicated to exploring opportunities that can help you secure the funding necessary for your business aspirations. Imagine having access to tailored financing options designed specifically for your unique needs. This could be the boost that helps you hire new employees, purchase equipment, or manage cash flow during lean times.

Merchant Services

In today's fast-paced market, efficient payment processing is vital. Our merchant services are crafted to help businesses like yours streamline transactions and enhance customer satisfaction. Picture this: a busy day at your store where customers can pay easily and quickly with various payment methods, leading to happier clients and increased sales. With our services, that vision can become a reality. We invite you to visit us at 919 E Cayuga St Philadelphia Pa 19124 in Philadelphia, PA or give us a call at (215) 743-2922. Let's discuss how we can support your business journey!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

While we don't have ATMs on-site, we ensure that access to cash is still easy and convenient through partnerships allowing you to withdraw funds hassle-free at nearby locations. As a member of Transit Workers, you'll benefit from all these services and more! If you're ready to take control of your financial future or have any questions about how we can assist you further, don't hesitate to reach out. Call us today at 215-743-2922, or visit us at our branch in Philadelphia. We're here for you!

Auto Loans & Vehicle Financing

If you're in the market for a new car or need financing for a vehicle, our Auto Loans & Vehicle Financing options provide competitive rates designed to fit your budget. Picture yourself driving off in that new car, knowing you secured the best deal with our help.

Business Banking Solutions

If you're a business owner, we also cater to you! Our Business Banking services include Merchant Services and Business Loans designed to support small businesses in achieving their goals. From financing equipment purchases to managing everyday transactions, we are committed to helping you succeed.

Credit Cards with Rewards

For those who love shopping and earning benefits, our Credit Cards with Rewards offer great perks for every purchase you make. Enjoy rewards that can be redeemed for travel, cash back, or gift cards all while building your credit history.

Digital Banking Features

We know convenience is key in today's fast-paced world. That's why Online & Mobile Banking is available to all our members. Easily check balances, transfer funds, and manage accounts right from your smartphone or computer. You can even send money directly through our Person-to-Person service no need for cash!

Mortgage Loans & Refinancing

Looking to buy a home? Our Mortgage Loans & Refinancing services make it easier than ever to turn your dream of homeownership into reality. We offer various mortgage options and refinancing solutions that can help lower your monthly payments or cash out equity when needed.

Personal Banking Solutions

Whether you're opening your first checking account or looking to save for a big purchase, our Personal Banking services have you covered. With options for both Checking and Savings Accounts, you'll find flexible solutions that work for your lifestyle. Imagine easily accessing your funds whenever you need them while watching your savings grow it's all possible here.

Personal Loans & Debt Consolidation

Sometimes life throws unexpected expenses your way. That's where our Personal Loans & Debt Consolidation come into play. Whether you need funds for a major purchase or want to simplify your finances by consolidating debts, we provide straightforward loans with manageable terms.

Digital & Online Banking

Key Features

One of the great benefits of banking with us is the ability to enroll in e-statements. This eco-friendly option allows you to receive your account statements electronically, making it easy to keep track of your finances without the clutter of paper. Plus, you'll have access to your statements anywhere, anytime. If you need to send money to friends or family, our person-to-person transfer feature makes this quick and simple. Just enter their information, and you're set! It's a hassle-free way to handle payments without needing cash. While we currently do not offer mobile payments or a dedicated mobile application, our website is optimized for mobile use. You can easily navigate through your accounts using any smartphone or tablet. Security is also a top priority for us at Transit Workers. We ensure that all your transactions are protected, so you can bank with peace of mind. Although we do not provide electronic signature authorization yet, our existing services are designed with user-friendly features that prioritize your safety and ease of use. Overall, our digital and online banking services at Transit Workers empower you to take control of your financial life. Enjoy easy access and real-time management wherever you are!

Financial Strength

Dedicated Team

We also take pride in having 8 full-time employees and 0 part-time employees ready to serve you with a knowledgeable, committed team. We value each interaction with our members and strive to create a welcoming environment.

Growing Membership Base

With a total of 5,483 share accounts, we demonstrate a strong and growing member base that trusts us with their finances. This trust empowers us to continue providing exceptional service tailored specifically for you. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Transit Workers is your trusted partner. Visit us at 919 E Cayuga St Philadelphia Pa 19124 or call (215) 743-2922 to learn more about how we can help you achieve your financial goals.

Lending Support

We are proud to support your financial goals with $123 in used auto loans and $6,286,160 in total loans and leases. This lending capacity allows us to cater to various needs within our community effectively.

Member-Centric Approach

Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. Additionally, with $2,038,438 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better.

Operational Efficiency

Our commitment to operational efficiency is evident in our $-$56,756 figure, reflecting our ability to maintain a sustainable business model while continuing to provide competitive loan rates and solid financial products for our members.

Secure Savings Opportunities

Members' savings are secured through $87,915 in share certificates, offering stable and rewarding financial growth opportunities. Although we do not have any money market shares currently, our focus remains on ensuring the best possible returns for our members.

Solid Financial Foundation

With a net worth of $2,118,027, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. This solid foundation is reflected in our net worth ratio of 12.95%, which ensures 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 $2,119,899 in used vehicle loans and $883,574 in new vehicle loans already helping members get on the road. We provide flexible terms that make it easy for you to drive away with the vehicle you want.

Credit Lines

For those who need extra flexibility, our credit lines totaling $250,000 can help cover unexpected expenses or provide additional purchasing power when you need it most. At Transit Workers, our goal is to support our members every step of the way. If you're interested in refinancing or exploring eligibility options for any of our loan products, feel free to reach out. Our team is ready to assist you! For more information on how we can help you financially or to start your application process, please call us at 215-743-2922 or visit us at our branch located at 919 E Cayuga St Philadelphia PA 19124. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. We're here to help you find the right solution tailored just for you!

Mortgage Loans

Thinking about homeownership? While we currently do not have Junior Lien 1-4 Family Residential Properties loans available, we are always here to guide you through your options for future home purchases or refinancing opportunities.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $821,020 in loans helping members manage their finances effectively. These cards are designed to give you the freedom to spend while keeping your budget in check.

Loan Aggregator

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Ensuring 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 ensures fair and transparent offers for all users. By relying on verified financial institutions, LendMesh guarantees that the information you receive is both accurate and trustworthy.

TRANSIT WORKERS FEDERAL CREDIT UNION - Philadelphia, PA

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