Tri State Rail Credit Union Erie PA | Best Auto Loans & Business Banking

Introduction

Welcome to Tri State Rail, your trusted partner in financial well-being since 1949. Located at 110 W 13Th St, Erie, PA 16501, we are proud to serve our community with a commitment to personalized banking solutions. With a robust membership of 2,360 and total assets exceeding $20 million, we are dedicated to providing our members with the tools they need for financial success. At Tri State Rail, we understand that every member has unique financial needs. That's why we offer a range of services tailored just for you whether you're looking for personal banking options like checking and savings accounts, auto loans, or mortgage refinancing. Our total deposits currently stand at $3,095,173, reflecting the trust our members place in us. Our leadership team is passionate about supporting our community. Under the guidance of CEO Steven Tessmer and Board President Bart Downing, we strive to create an environment where everyone feels valued and empowered. We pride ourselves on being more than just a credit union; we're a cornerstone of the Erie community. While you can visit us at our branch for all your banking needs, please note that any official correspondence should be directed to the same address: 110 W 13th St, Erie, PA 16501. We invite you to explore what makes Tri State Rail special. With total loans amounting to 965 and a solid net worth of $3,727,272, we are here to help you achieve your financial goals. Whether you're interested in joining our growing family or seeking guidance on your next loan, don't hesitate to reach out. Call us today at 814-455-0092 or visit our website at Tri State Rail for more information. Let's take this journey together toward a brighter financial future!

Branch History & Mission

At Tri State Rail, we pride ourselves on a rich history that has flourished since our doors first opened in 1949. Located at 110 W 13th St, Erie, PA 16501, our branch has been a cornerstone of the community for over seven decades. With a mission focused on empowering our members through accessible financial services and dedicated community support, we have grown alongside our members and the neighborhoods we serve. As we evolved, we became more than just a financial institution; we became a trusted partner in the lives of our 2,360 members. Today, we proudly manage assets totaling $20,273,111, reflecting our commitment to responsible growth and stability. Our journey has been marked by significant milestones, including the introduction of innovative banking solutions like online banking and mobile applications. We understand that convenience is key, which is why we offer robust digital services to meet your financial needs. Our mission statement emphasizes not only providing competitive financial products but also uplifting our community. We strive to make a positive impact through various outreach programs and partnerships that promote financial literacy and well-being. Whether it's through personal banking services like checking accounts or auto loans or supporting local initiatives, Tri State Rail remains dedicated to serving with integrity and compassion. While members can visit us at 110 W 13th St, official correspondence should be sent to 110 W 13th St, Erie, PA 16501. Our branch operates Monday through Friday from 8:30 AM to 5:00 PM, ensuring that we are available when you need us most. Though we currently do not have ATM services or drive-thru banking available, we are committed to providing exceptional customer service within our lobby. We invite you to become part of the Tri State Rail family. Experience the benefits of membership where your financial success is our priority. Join us today and let's work together towards a brighter financial future! For more information about membership eligibility and services offered, please visit our website or call us at 814-455-0092.

Branch Location & Accessibility

Come Visit Us!

We invite you to stop by our branch at Tri State Rail in Erie, PA. If you have any questions or need assistance before your visit, feel free to give us a call at 814-455-0092. We look forward to helping you achieve your financial goals!

Convenient Access

At Tri State Rail, we understand that convenience matters. Our location is designed with you in mind, featuring ample parking space and ADA-compliant accessibility options. If you require assistance, our friendly staff is always ready to help ensure your visit is comfortable and efficient. While our main address for in-person visits is 110 W 13th St, official correspondence should be sent to the same address for consistency. We want to make it as easy as possible for you to connect with us.

Hours That Fit Your Schedule

We know that life can be busy, so we offer convenient lobby hours from 8:30 AM to 5:00 PM, Monday through Friday. This schedule allows you to stop by before or after work, making it easier than ever to manage your banking needs.

Services Tailored for You

At Tri State Rail, we offer a range of services designed to meet your personal and business banking needs. From checking and savings accounts to auto loans and credit cards with rewards, we have something for everyone. Our team is also equipped to assist with mortgage loans, personal loans, and online banking services. Unfortunately, we do not have ATM availability or drive-thru service at this time. However, our dedicated staff is here during regular hours to assist you with any transactions or inquiries you may have.

Member Eligibility

At Tri State Rail, we believe that everyone deserves a chance to be part of a supportive community that prioritizes your financial well-being. To become a member, you simply need to meet a few friendly criteria that make joining us easy and inclusive. If you live, work, worship, or attend school in Erie County or have a family member who is already a member, you're eligible! Plus, we welcome anyone who shares our mission of supporting local communities. Becoming a member not only opens the door to personalized banking services but also gives you access to exclusive rates on loans and savings accounts designed with your needs in mind. Getting started is simple! Just visit us at 110 W 13Th St Erie Pa 16501 or call us at (814) 455-0092 for more information. You can also check out the detailed eligibility requirements at https://tristaterailfcu.com/membership/. We're here to help you every step of the way as you embark on your journey with Tri State Rail!

Business Banking & Commercial Services

Lending Solutions for Growth

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 That Make Sense

In addition to loans, we offer merchant services that can simplify your transactions and enhance customer satisfaction. Imagine being able to accept payments seamlessly, whether online or in-store. Our tools help you streamline operations so you can focus on what really matters growing your business. From payment processing to cash management, our solutions are tailored to meet the needs of local entrepreneurs right here in Erie, PA. Ready to explore how Tri State Rail can support your business? Visit us at 110 W 13Th St Erie Pa 16501 or give us a call at (814) 455-0092 today!

Comprehensive List Of Services

Additional Services

While we focus on core banking services, we also ensure that cash withdrawal needs are met through ATM services available nearby. At Tri State Rail, we are dedicated to serving our community with personalized service and comprehensive financial solutions. If you have any questions about how we can assist you or if you're ready to get started on a loan application or open an account, don't hesitate to reach out! You can call us at (814) 455-0092 during our operating hours from 8:30 AM - 5:00 PM, Monday through Friday. Join us at Tri State Rail today! We look forward to helping you achieve all your financial goals right here in Erie, PA.

Business Banking Solutions

For our entrepreneurial members, we provide tailored business banking services including merchant services and business loans. These options help local businesses thrive by offering the financial support they need to grow.

Credit Options

In today's world, having access to credit is vital. Our credit cards come with rewards that allow you to earn points on everyday purchases, making them a smart choice for savvy spenders.

Digital Banking Features

Convenience is key in managing your finances, which is why our online and mobile banking platforms are user-friendly and secure. You can check balances, pay bills, and transfer funds at your convenience from anywhere you have internet access. Plus, with features like electronic signatures and e-statements, handling your banking has never been easier.

Personal Banking Services

When it comes to personal banking, we offer various options to help you save and manage your money effectively. You can choose from our checking and savings accounts designed for everyday use or long-term savings goals. For those considering a new car purchase, our auto loans and vehicle financing solutions make it easier than ever to hit the road in style without breaking the bank. If you're thinking about home ownership or refinancing your current mortgage, our mortgage loans provide competitive rates and flexible terms. We also understand that life can sometimes lead to unexpected expenses; that's why we offer personal loans and debt consolidation options to help you regain control of your financial situation.

Digital & Online Banking

Accessibility and Ease of Use

At Tri State Rail, we are committed to making banking accessible and straightforward for all our members. Our 24/7 online banking services empower you to manage your accounts in real-time whether it's checking your balance or setting up automatic payments. Join us at Tri State Rail today and discover how our digital banking solutions can enhance your financial journey!

Key Services

Our online banking features allow you to check balances, transfer funds, and view account statements with just a few clicks. Enjoy the peace of mind knowing that your information is protected while you manage your accounts anytime, anywhere. With options like electronic signature authorization, signing documents is hassle-free you can do it all from the comfort of your own home. We also offer e-statements, making it easy to stay organized and reduce paper clutter. You'll receive your account statements directly in your inbox, ensuring you have quick access to important financial information whenever you need it. For those who prefer banking on their mobile devices, our mobile application is available for download, providing a user-friendly experience right in the palm of your hand. You can make person-to-person transfers with ease, simplifying how you send money to friends and family. Plus, if you're looking for a quick way to make payments, our mobile payments feature will soon be available!

Financial Strength

Growing Member Base

Total Share Accounts stand at 3,183, showing a strong and growing member base that trusts us with their finances. As we move forward, our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Tri State Rail is your trusted partner. Visit us at 110 W 13Th St Erie Pa 16501 or call (814) 455-0092 to learn more about how we can help you achieve your financial goals.

Investment in Growth

With $1,771,458 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Our lending capacity is robust; with $198 in used auto loans and $7,386,560 in total loans and leases, we support members' financial goals across various sectors.

Member-Centric Savings

Members' savings are secured through $215,000 in share certificates, 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 commitment to operational efficiency is evident with a reported $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 7 full-time employees who are ready to assist you with a knowledgeable team.

Solid Financial Foundation

With a net worth of $3,727,272, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,838 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 $3,294,286 in used vehicle loans and $1,991,412 in new vehicle loans already helping members get on the road. We provide financing options for both new and used vehicles, making it simple for you to drive away with confidence.

Credit Lines

If you need extra flexibility in managing your finances, consider our credit lines totaling $400,000. These lines allow you to access funds whenever necessary without having to apply for a new loan each time. At Tri State Rail, we are committed to providing transparent and accessible financial solutions tailored just for 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. For more information about eligibility or to start your application process today, visit us online at Tri State Rail or give us a call at 814-455-0092. Let's work together towards achieving your financial goals!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $401,719, make buying or refinancing straightforward. We also have refinancing options available if you're looking to lower your monthly payments or tap into your home's equity.

Unsecured Credit Cards

Managing everyday expenses is easy with our flexible unsecured credit card loans. With a total of $418,295 in loans helping members manage their finances effectively, you can enjoy the convenience of cashless transactions while earning rewards for your purchases.

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 that genuinely benefit users. - Real-Time Rate Comparisons: With up-to-date loan rates from multiple institutions, users can make informed decisions quickly. 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!" 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 Rail