Transit Credit Union Valley Stream NY | Affordable Auto Loans & Quick Personal Loans

Introduction

Welcome to Transit Federal Credit Union, your trusted financial partner since 1974. Located at 20 N Central Ave Fl 3, Valley Stream, NY 11580, we pride ourselves on being a cornerstone in our community, dedicated to serving over 3,073 members with personalized banking solutions. With total assets of $16,696,833 and total deposits reaching $744,505, we ensure that your hard-earned money is in good hands. Under the leadership of our CEO, George Robinson, and Board President, Robert D'Ulisse, Transit Federal Credit Union has built a reputation for reliability and community focus. Our team of five dedicated employees is committed to providing exceptional service and financial education to help you achieve your goals. While members can visit us at our branch location for all their banking needs, official correspondence should be directed to our mailing address: 20 N CENTRAL AVE FL 3, VALLEY STREAM, NY 11580. At Transit Federal Credit Union, we offer a range of services tailored to meet your financial needs, including checking and savings accounts, auto loans, mortgage loans, personal loans, credit cards with rewards, and business banking solutions. We believe in empowering our members through accessible financial products designed for every stage of life. With a net worth of $1,827,197 and cash in hand totaling $12,916, we are well-positioned to support you with competitive loan options having issued a total of 375 loans so far. We invite you to explore how we can help you make the most of your financial journey. Don't hesitate to reach out! Call us today at 718-425-1312 or visit our website at atu1181.org for more information on how we can serve you better. Join us as we continue to grow and support our community together!

Branch History & Mission

At Transit, we have built a proud legacy since our establishment in 1974. Located at 20 N Central Ave Fl 3, Valley Stream, NY 11580, our branch has grown alongside the community, serving as a trusted financial partner for over four decades. With a current membership of 3,073 individuals, we have cultivated strong relationships and helped countless members achieve their financial goals. Our mission is simple yet profound: to provide accessible financial services while fostering a supportive environment that uplifts our community. We believe that banking should be more than just transactions; it should be about building connections and empowering people. As we continue to grow, we remain committed to our core values of integrity, respect, and collaboration. Over the years, Transit has achieved several milestones that reflect our dedication to service and innovation. Our total assets now stand at an impressive $16,696,833, highlighting our stability and ability to support our members' diverse needs. We offer a wide range of services including personal banking options like checking and savings accounts, auto loans, mortgage loans, and business banking solutions. While members can visit us at our physical location for personalized assistance during our operating hours Monday through Friday from 8:00 AM to 4:00 PM and the third Saturday of each month from 8:00 AM to 1:00 PM (September through June) official correspondence should be sent to 20 N CENTRAL AVE FL 3, VALLEY STREAM, NY 11580 if needed. As part of our commitment to accessibility, we've embraced digital advancements where possible. Although we currently do not offer ATM services or drive-thru banking at this branch, we are continually exploring ways to enhance member experience through technology. Transit also takes pride in being an active member of the Valley Stream community. We participate in various outreach efforts and partnerships aimed at supporting local initiatives that make a difference in people's lives. Our goal is not only to meet financial needs but also to contribute positively to the community fabric. We invite you to join Transit and experience firsthand the benefits of being part of a credit union that truly cares about its members. Together, let's build a brighter financial future! If you have questions or would like more information about becoming a member, please call us at 718-425-1312 or visit our website at atu1181.org.

Branch Location & Accessibility

Come Visit Us!

We invite you to stop by and discover what sets Transit apart. Whether you're looking for personalized service or expert advice on loans and accounts, our team is eager to help you achieve your financial goals. Feel free to give us a call at 718-425-1312 if you have any questions or need assistance before your visit. We look forward to welcoming you soon!

Convenient Access

Our location offers ample parking for members, ensuring that your visit is as hassle-free as possible. We are fully ADA compliant and have ramps available for those who may need assistance. While you're here, you'll find that our operating hours are designed with your schedule in mind. We're open Monday through Friday from 8:00 AM to 4:00 PM and even welcome you on the third Saturday of each month from 8:00 AM to 1:00 PM between September and June.

Services at Your Fingertips

At Transit Federal Credit Union, we offer a variety of personal banking services tailored to fit your lifestyle. From checking and savings accounts to auto loans and mortgage refinancing, we have the tools you need for financial success. Although we currently do not have ATM or drive-thru services available, our dedicated staff is ready to assist you with all your banking inquiries right at the counter. If you ever need to send official correspondence, please note that while members can visit us at our branch address, official mail should be directed to the same address: 20 N CENTRAL AVE FL 3, VALLEY STREAM, NY 11580.

Member Eligibility

Becoming a member of Transit feels like joining a warm and welcoming family where your financial needs are understood and prioritized. To be eligible for membership, you should belong to the community we serve, which includes individuals who work for or are affiliated with certain organizations. It's all about making sure that you're part of our close-knit group. If you're curious about the specific criteria, you can find detailed information on our website at https://atu1181.org/news/general-membership-meeting/. Once you're ready to take the next step, opening an account is a breeze! You can easily reach out to us at (718) 425-1312, and we'll guide you through the process. Our friendly staff is dedicated to helping you get started on your journey with us at Transit, located at 20 N Central Ave Fl 3 Valley Stream Ny 11580. Whether it's checking accounts, auto loans, or other services, we're here to support you every step of the way. Join us today and experience the advantages of being part of something special!

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 $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

In addition to loans, our merchant services simplify how you accept payments. Whether you're running a local café or a growing e-commerce store, having reliable payment options is crucial. Our solutions ensure that your customers can pay easily and securely, allowing you to focus on what matters most running your business. Visit us at 20 N Central Ave Fl 3 Valley Stream Ny 11580 in Valley Stream, NY, or call us at (718) 425-1312 to learn more about how we can assist your business!

Comprehensive List Of Services

Business Banking

For entrepreneurs and business owners, Transit offers robust business banking solutions including merchant services and business loans. We know how vital cash flow is for running a successful business, so we provide accessible financing options designed specifically for small businesses.

Credit Cards

Additionally, we offer credit cards with rewards that can help you earn points while making everyday purchases. Imagine earning rewards just for using your card it's like getting paid for shopping!

Digital Banking Services

In today's fast-paced world, convenience matters. That's why we offer online and mobile banking services that allow you to manage your finances anytime, anywhere. While we don't currently have ATMs or drive-thru services at our branch located at 20 N Central Ave Fl 3 Valley Stream Ny 11580, our digital platforms ensure that accessing your accounts is just a few clicks away.

Get in Touch

We invite you to discover how Transit can support your financial journey. Our dedicated staff is available at (718) 425-1312 during regular business hours from 8:00 AM to 4:00 PM on weekdays and from 8:00 AM until 1:00 PM on the third Saturday of each month from September through June. No matter what service you're interested in, we're here to help! Explore the benefits of membership today by visiting us online at Transit Federal Credit Union or stop by our branch in Valley Stream, NY!

Home Financing

When it comes to homeownership, we believe in making dreams come true through our mortgage loans and refinancing options. Whether you're buying your first home or looking to refinance an existing mortgage for better rates, our team will guide you through every step of the process.

Personal Banking

One of the cornerstones of our offerings is personal banking. We provide checking and savings accounts that cater to different lifestyles and financial goals. Imagine having a safe place for your savings while also enjoying easy access to your funds when you need them. Our accounts come with no hidden fees, allowing you to focus on what truly matters your financial future. For those considering purchasing a vehicle, our auto loans and vehicle financing options make it simple to get behind the wheel without breaking the bank. With competitive rates and flexible terms, we work with you to find a loan that fits your budget and lifestyle.

Personal Loans

Life can throw unexpected expenses your way, and that's where our personal loans and debt consolidation services shine. We offer straightforward solutions tailored to help you manage life's surprises without stress.

Digital & Online Banking

Accessibility and Ease-of-Use

Our commitment to accessibility ensures that you can manage your finances at any time with our 24/7 online banking services. Whether you're paying bills or transferring funds, everything is designed to be user-friendly and efficient. We believe that managing your finances should not be a hassle, and that's why we strive to provide straightforward solutions for all members. In summary, Transit is dedicated to providing you with reliable digital banking options that cater to your needs. Explore what we have to offer today at https://atu1181.org/, and experience the convenience of modern banking tailored just for you!

Key Features

With our online banking services, you can easily check your account balances, review transactions, and manage your money all from the comfort of your own home. While we currently do not support mobile payments or a dedicated mobile app, you can still enjoy the benefits of electronic statements. This means no more paper clutter your statements are delivered straight to your inbox for easy access. For those who prefer a personal touch, we offer person-to-person transfers, although this feature is not available at the moment. We prioritize security in all our services; while electronic signature authorization is not offered yet, rest assured that your information remains protected as you navigate our platforms.

Financial Strength

A Growing Community

Total Share and Deposit Accounts stand at 3,601, showing a strong and growing member base that trusts us with their finances. Net Shares available for lending and investments amount to $417,209, reinforcing our commitment to providing opportunities for all our members. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Transit is your trusted partner. Visit us at 20 N Central Ave Fl 3 Valley Stream Ny 11580 or call (718) 425-1312 to learn more about how we can help you achieve your financial goals.

Commitment to Growth

With $1,610,926 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 with $8 in used auto loans and $2,256,834 in total loans and leases.

Member Savings and Investments

Members' savings are secured through $0 in share certificates and $0 in money market shares, offering stable and rewarding financial growth opportunities. 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.

Operational Efficiency

Our $16,806 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 4 full-time employees and 1 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Our Financial Health

With a net worth of $1,827,197, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,094 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. We currently have over $159,985 in used vehicle loans and $23,340 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new vehicle or a reliable used one, our flexible terms can accommodate your needs.

Credit Card Options

For those looking to manage their finances effectively, we also offer flexible terms on unsecured credit card loans. While we have not issued any unsecured credit card loans at this time, our focus remains on providing resources that will empower you to take charge of your spending.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. Although we don't currently offer Junior Lien 1-4 Family Residential Properties loans, we're always here to discuss alternative financing solutions that might work for you.

Refinancing and Eligibility

If you're considering refinancing your existing loans or exploring eligibility options for any of our products, please don't hesitate to reach out. Our knowledgeable team at Transit is here to guide you through the process and find the best solution tailored for your situation. Feel free to contact us at 718-425-1312 or visit us at 20 N Central Ave Fl 3, Valley Stream, NY 11580 for more information about our loan offerings and how they can benefit you. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Your financial journey starts here at Transit!

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. This ensures that you can easily find competitive offers tailored to your needs. LendMesh guarantees accurate loan comparisons through a robust sourcing method. 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 using verified data ensures fair and transparent offers for all users. One of the standout features of LendMesh is its focus on transparency. All loan offers are obtained from legitimate financial institutions, which builds trust among users seeking reliable information. Additionally, LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results that reflect the true landscape of available loans. With real-time rate comparisons, LendMesh keeps its database current, allowing users to make informed decisions quickly. This feature is especially beneficial in a fluctuating market where rates can change daily. 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!" Such testimonials highlight the effectiveness and reliability of this comparison tool. 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.

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