Tri State Area Credit Union Hoosick Falls NY | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Tri State Area Federal Credit Union, where we believe that banking should be personal and community-focused. Since our establishment in 1953, we have proudly served the residents of Hoosick Falls, NY, and surrounding areas, building a trusted financial institution dedicated to the needs of our 4,228 members. Located at 28 Church St, Hoosick Falls, NY 12090, our branch is committed to providing you with reliable services tailored just for you. At Tri State Area FCU, our total assets stand at an impressive $41,597,539, reflecting our strong commitment to your financial well-being. With a total deposit base of $10,100,798 and a net worth of $3,780,973, we ensure that your money is safe and secure. We are proud to offer a wide range of financial products including auto loans, personal loans, and credit cards with rewards designed to meet your lifestyle needs. Our dedicated team of 9 employees, led by CEO James Martinez and Board President Michael Slattery, works tirelessly to provide outstanding service. Whether you're seeking assistance with a loan or looking for advice on saving for the future, we're here for you every step of the way. While members can visit us at our main branch for all their banking needs, official correspondence should be directed to our mailing address: PO Box 70, Hoosick Falls, NY 12090. We invite you to connect with us today! Call us at 518-686-4504 or visit our website at tsafcu.com for more information on how we can help you achieve your financial goals. Join us in fostering a brighter financial future together!

Branch History & Mission

At the heart of Hoosick Falls, NY, lies the Tri State Area Federal Credit Union, a beacon of community spirit and financial support since its inception in 1953. Originally founded as the Hoosick Federal Credit Union, it has grown and adapted over the years to better serve our members and the surrounding community. In 2017, we proudly rebranded to Tri State Area Federal Credit Union, reflecting our commitment to providing exceptional service across our region. Located at 28 Church St, Hoosick Falls, NY 12090, our branch is not just a financial institution; it is a place where relationships are built and dreams are realized. With over 4,200 members and total assets reaching an impressive $41,597,539, we have become a vital part of this community. Our dedicated team of nine employees works tirelessly to ensure that every member receives personalized attention and support. Our mission at Tri State Area Federal Credit Union is clear: we aim to empower our members through accessible financial services while actively contributing to the well-being of our community. We offer a wide range of services including personal banking solutions like checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and business banking options. Our goal is to provide tools that help individuals achieve their financial goals while fostering economic growth within Hoosick Falls. While members can visit us at 28 Church St for all their banking needs, official correspondence should be sent to PO Box 70, Hoosick Falls, NY 12090. We understand that convenience matters; that's why we offer ATM access for quick transactions and online banking for easy account management from anywhere. As part of our commitment to inclusivity and accessibility, we ensure compliance with ADA standards in our facilities and continue to explore digital advancements that make banking simpler for everyone. Additionally, our shared service center allows members from partnering credit unions to enjoy essential services right here in Hoosick Falls. Community outreach is also a cornerstone of our mission. We actively partner with local organizations to provide support where it's needed most. Whether it's sponsoring local events or offering financial education workshops, we believe in giving back to the community that has supported us throughout the years. We invite you to become part of the Tri State Area Federal Credit Union family. Experience firsthand how we can help you reach your financial aspirations while being an active participant in a thriving community. Visit us today or check out our website at www.tsafcu.com for more information on membership opportunities!

Branch Location & Accessibility

Welcome to Tri State Area Federal Credit Union, your friendly neighborhood financial partner located at 28 Church St in the heart of Hoosick Falls, NY. We're here to provide a convenient banking experience for all our members. Whether you're stopping by for a quick transaction or exploring our range of services, our location is easily accessible and ready to serve you. While you can visit us directly at our branch address, please note that any official correspondence should be sent to our mailing address: PO Box 70, Hoosick Falls, NY 12090. Our branch is nestled near local landmarks, making it a familiar spot for many in the community. You'll find ample parking available right outside, and we ensure our facilities are accessible to everyone, with ADA-compliant features that include ramps for easy entry. Our operating hours are designed to fit your busy schedule. We welcome you Monday through Wednesday and Friday from 9 AM to 4 PM, with extended hours on Thursday until 5 PM. Need to stop by on Saturday? We're open from 8 AM to 10 AM just for you! If you have any questions or need assistance, feel free to give us a call at 518-686-4504. At Tri State Area Federal Credit Union, we offer ATM services for quick cash withdrawals and balance checks. While we currently do not have drive-thru banking options, our welcoming staff is always ready to assist you inside the branch. Plus, if you're a member of another participating credit union, you can take advantage of shared services for basic transactions like deposits and withdrawals. We invite you to come by and explore how we can support your financial needs. Whether it's opening an account or discussing loan options, we're here for you every step of the way!

Member Eligibility

Joining the Tri State Area is like stepping into a welcoming community where your financial needs are truly understood. To become a member of our credit union, all you need is to meet some simple eligibility criteria. Generally, anyone who lives, works, worships, or attends school in Rensselaer County can join us! We believe in making banking accessible for everyone, so if you're part of our local community, we'd love to have you as a member. For detailed information on eligibility and to see if you qualify, check out our website at http://www.tsafcu.com/membership.html. Once you're ready to take the next step, opening an account with us is quick and easy! You can find all the details you need at this link. If you have any questions or need assistance along the way, feel free to give us a call at (518) 686-4504. We're here to help you every step of the way as you embark on this journey with the Tri State Area family!

Business Banking & Commercial Services

Loan Options Tailored for You

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $14 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $470,356, we continue to drive economic growth by financing new and expanding businesses.

Practical Merchant Services

In addition to loans, we offer merchant services that simplify payment processing. Picture this: your customers can pay easily with various methods, from credit cards to mobile payments, enhancing their experience while you enjoy faster cash flow. Our services take the hassle out of transactions, so you can focus on what matters most growing your business. Located at 28 Church St Hoosick Falls Ny 12090 in Hoosick Falls, NY, we're here to partner with you on your journey. Reach us at (518) 686-4504 and explore how we can help your business flourish!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need cash on the go? Enjoy access to ATMs for cash withdrawals and balance checks whenever necessary. Our branch also participates in shared branching networks so members of partner credit unions can complete basic transactions like deposits and withdrawals right here at Tri State Area. At Tri State Area, we are committed to providing services that make banking easier for everyone in our community. If you're ready to explore how we can assist you further or if you have any questions about our offerings, please don't hesitate to reach out! Call us at (518) 686-4504 or visit us today we look forward to helping you achieve your financial goals!

Auto Loans & Vehicle Financing

Thinking about purchasing a new car? Our auto loans and vehicle financing options make it easy and affordable to get behind the wheel. Whether you're eyeing a brand-new model or a reliable used car, we offer competitive rates and flexible terms to fit your budget.

Business Banking

For entrepreneurs and business owners in our community, we offer comprehensive business banking services. From merchant services that help you accept payments to business loans for expansion or equipment purchases, we're here to support your growth every step of the way.

Credit Cards with Rewards

Why not earn rewards on your everyday purchases? With our credit cards, you can enjoy cashback or points for every dollar spent. It's an excellent way to make the most out of your spending while building up rewards for future use.

Mortgage Loans & Refinancing

For those looking to buy a home or refinance an existing mortgage, Tri State Area has you covered. Our mortgage loans come with personalized service to guide you through each step of the process. We strive to help you find the best loan product that suits your needs while ensuring you feel confident in your investment.

Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking options. With features like person-to-person payments and e-statements, managing your finances has never been easier or more efficient.

Personal Banking

We understand that managing finances can be overwhelming at times. That's why our personal banking options, including checking and savings accounts, are designed with you in mind. You can easily access your accounts online or through our mobile banking app, making it simple to transfer funds, pay bills, and keep track of your spending from anywhere.

Personal Loans & Debt Consolidation

If life throws unexpected expenses your way, our personal loans can provide the financial relief you need. Additionally, if you're juggling multiple debts, consider our debt consolidation options to streamline payments and potentially lower interest rates.

Digital & Online Banking

At Tri State Area, we understand that banking should be easy and secure. That's why we offer a range of digital and online banking services designed to fit your busy lifestyle. Whether you're at home or on the go, managing your finances has never been more straightforward. Our online banking platform at https://www.tsafcu.com/ allows you to access your accounts 24/7. You can check balances, transfer funds, and pay bills all from the comfort of your couch or while waiting in line. It's like having a bank branch right in your pocket! Plus, with our person-to-person transfer feature, sending money to friends and family is as simple as a few taps on your phone. For added convenience, we provide e-statements to keep your financial information organized and easily accessible. No more digging through piles of paper; just view and download your statements whenever you need them. And if you prefer to sign documents electronically, we've got you covered with our electronic signature authorization option making transactions even smoother. Security is always a top priority for us. Our online banking services are equipped with advanced security features to keep your information safe while you manage your account. With mobile payments available, you can make quick purchases without needing cash or cards, ensuring that you're always prepared. While we currently don't have a mobile application, our website is mobile-friendly, so you can access all these features from any device. With Tri State Area, managing your finances has never been easier or more secure. Explore all our digital services today and take control of your banking experience!

Financial Strength

Member-Centric Savings

Your savings are secure with us. We currently hold $8,882,472 in share certificates and $3,150,586 in money market shares, providing stable and rewarding growth opportunities for our members. Unlike traditional banks, we prioritize our members first; with non-member deposits at $0, we ensure our resources focus on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our $0 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for you. We also take pride in having 8 full-time employees and 1 part-time employees dedicated to ensuring our branches are always ready to serve you with knowledgeable assistance.

Reinvestment for Growth

With $3,755,916 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve you better. This commitment allows us to support your financial goals effectively.

Solid Financial Health

With a net worth of $3,780,973, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $908 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Supporting Your Financial Needs

Our lending capacity is robust, featuring $169 in used auto loans and $22,233,927 in total loans and leases available for our members. This means whether you're looking to purchase a vehicle or need financing for personal projects, we've got you covered.

Trustworthy Partnership

With total share accounts numbering 5,695, we have built a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Tri State Area is your trusted partner. Visit us at 28 Church St Hoosick Falls Ny 12090 or call (518) 686-4504 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.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $1,904,249 in used vehicle loans and $5,878,467 in new vehicle loans already helping members get on the road. Whether you're interested in a brand-new model or a reliable used vehicle, we have financing options that can fit your budget.

Business Loans

For business owners, our outstanding commercial loans totaling $470,356 provide the capital needed to grow and expand. We recognize the unique challenges faced by small businesses and are here to support your ambitions.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $675,874, make buying or refinancing simple. We work closely with you throughout the process to ensure everything is clear and manageable.

Refinancing Options

If you're considering refinancing existing loans or need eligibility options for any of our products, we're here to help. Our team can guide you through available choices that may lower your payments or improve your financial situation. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Ready to take the next step? Contact us today at 518-686-4504 or visit us at 28 Church St Hoosick Falls Ny 12090 for more information about how we can assist you with our loan offerings!

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $270,421 in loans helping members manage their finances effectively. Our credit cards come with rewards programs that can benefit your everyday spending while giving you the freedom to pay over time.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency in the options presented to users. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results that users can trust. - Real-Time Rate Comparisons: Users benefit from up-to-date loan rates from multiple institutions, helping them 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!" 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.*

Tri State Area