Tri-Lakes Credit Union Saranac Lake NY | Best Auto Loans & Checking

Introduction

Welcome to Tri-lakes, your trusted financial partner located at 197 Broadway, Saranac Lake, NY 12983. Since our establishment in 1978, we have been committed to serving our community with integrity and care. As a member-focused credit union, we pride ourselves on our robust financial health, with total assets amounting to $26,755,661 and total deposits of $622,300. At Tri-lakes, we believe in empowering our members through personalized banking solutions. With a total membership of 2,158, we work diligently to ensure that each individual feels valued and supported. Our dedicated team of 7 employees, led by CEO Heather DeForest and Board President Peter Sayles, is here to provide you with exceptional service tailored to your unique needs. Whether you're looking for auto loans, mortgage financing, or personal banking services, we have the tools and expertise to help you achieve your financial goals. We understand the importance of community impact; therefore, we're proud to report that we've issued a total of 1,046 loans, helping many families and businesses thrive. For your convenience, we offer a range of services including online and mobile banking, along with ATM access for easy withdrawals. While members can visit us at our branch address above for all their banking needs, official correspondence should be sent to the same address. We invite you to explore how Tri-lakes can make a difference in your financial journey. Feel free to call us at 518-891-1666 or visit our website at Tri-lakes FCU for more information. Join us today and experience the advantages of being part of a credit union that puts you first!

Branch History & Mission

At Tri-lakes, we take pride in our rich history and unwavering commitment to the community of Saranac Lake, NY. Established in 1978, our branch has grown alongside our members, fostering financial wellness and building lasting relationships over the decades. With a current membership of 2,158 and total assets of $26,755,661, we have become a cornerstone of the local economy, supporting families and businesses alike. Located at 197 Broadway, Saranac Lake, NY 12983, our branch is easily accessible for all your banking needs. Just a short walk from the beautiful Saranac Lake waterfront, we invite you to come in and experience our friendly service. While you can visit us at this address for all your banking needs, please note that any official correspondence should be sent to the same mailing address. Our mission at Tri-lakes goes beyond just providing financial services. We aim to enhance the lives of our members by offering personalized banking solutions that meet their unique needs. From checking and savings accounts to auto loans and credit cards with rewards, we strive to empower our members with financial tools that promote growth and stability. We believe in making a positive impact in our community through partnerships and outreach efforts that support local initiatives. In addition to traditional banking services, we are proud to offer modern conveniences such as online banking and mobile applications for easy access to your finances anytime, anywhere. Our commitment to accessibility also includes ADA-compliant facilities, ensuring everyone can benefit from our services. At Tri-lakes, we understand that a strong community is built on trust and collaboration. Our team actively engages in local events and initiatives, demonstrating our dedication to improving the quality of life for all residents in Saranac Lake. We invite you to join us on this journey. Experience firsthand what it means to be part of a credit union that truly cares about its members and their community. Visit us today or reach out at 518-891-1666 to learn more about how Tri-lakes can help you achieve your financial goals!

Branch Location & Accessibility

ATM Availability

Need cash on the go? We've got you covered! Our ATM is available for quick withdrawals and balance checks whenever you need it.

Banking Hours and Services

We know your time is valuable, which is why we strive to make your banking experience as convenient as possible. Our lobby hours run from Monday to Friday, opening at 8:30 AM and closing at 5:00 PM. If you prefer using our drive-thru service, it's available from 8:15 AM to 5:00 PM during the same days. At Tri-lakes, we offer a wide range of services tailored to meet your needs from personal checking and savings accounts to auto loans and mortgage refinancing. We also provide online and mobile banking options for those who prefer managing their finances from home.

Call Us Today!

If you're in the area or looking for reliable banking solutions, don't hesitate to stop by or give us a call at 518-891-1666. At Tri-lakes, we're here to help you with all your financial needs!

Nearby Landmarks and Accessibility

Situated right on Broadway, we're close to popular spots like the scenic Saranac Lake waterfront and the vibrant downtown area filled with shops and cafes. If you're driving, we offer ample parking right outside our doors. Plus, our branch is designed with accessibility in mind featuring ramps and ADA-compliant entrances to ensure everyone can visit us comfortably.

Member Eligibility

At Tri-lakes, we believe that everyone deserves a place to belong and thrive. Joining our community is simple and welcoming! If you live, work, or go to school in the Saranac Lake area, you're likely eligible for membership. We strive to keep our criteria inclusive, making it easy for you to access all the benefits we offer, from personalized banking services to competitive loan rates. For more detailed information about eligibility. Opening an account with us is just as straightforward. Whether you're interested in a checking account, savings account, or any of our loan options, we're here to help guide you through the process. If you have questions or need assistance, don't hesitate to reach out at (518) 891-1666. We're excited to welcome you to Tri-lakes and help you achieve your financial goals!

Business Banking & Commercial Services

Loan Options 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.

Practical Merchant Services

In addition to loans, our merchant services simplify payment processing so you can focus on what matters most running your business. Whether you need point-of-sale systems or online payment solutions, we provide tools that enhance customer experiences and streamline operations. Imagine being able to accept payments anytime, anywhere this flexibility not only attracts more customers but also boosts your bottom line. With our team at Tri-lakes, located at 197 Broadway Saranac Lake Ny 12983 in Saranac Lake, NY, you have a trusted partner ready to help you succeed. Reach out today at (518) 891-1666 to learn how we can assist your business journey!

Comprehensive List Of Services

Business Banking Services

For local entrepreneurs and businesses, we offer comprehensive business banking services. This includes everything from merchant services to business loans that help you grow and sustain your operations. We know how important it is for businesses to have reliable banking support.

Call to Action

Ready to explore how Tri-lakes can assist you with your financial needs? Visit us at our branch in Saranac Lake or check out our website at trilakesfcu.com for more information about our services! Let's work together towards achieving your financial goals today!

Convenient Online and Mobile Banking

In today's fast-paced world, having access to your finances on-the-go is crucial. That's why we provide excellent online and mobile banking options. With these features, you can easily check balances, transfer funds, and manage your accounts from the comfort of your home or while out running errands. Our services also extend beyond just online banking; we have an ATM available for quick cash withdrawals and balance checks whenever needed. Plus, if you're in a hurry, take advantage of our drive-thru service for basic transactions like deposits and withdrawals.

Personal Banking Solutions

We understand that managing your finances is essential for achieving your goals. That's why we offer various personal banking options, including checking and savings accounts designed to fit your lifestyle. Need a new vehicle? Our auto loans and vehicle financing solutions help you drive away in your dream car with ease. If you're thinking about buying a home or refinancing an existing mortgage, our mortgage loans are competitive and straightforward. Additionally, life can throw unexpected expenses your way. That's where our personal loans and debt consolidation options come into play, helping you manage your debts effectively. For those who love rewards, our credit cards with rewards provide great benefits with every purchase.

Why Choose Tri-lakes?

We pride ourselves on being more than just a credit union; we're part of the community. Our friendly team is always here to assist you with any questions or concerns you might have about our services. We strive to create a welcoming environment where all members feel valued and supported.

Digital & Online Banking

Key Features

One of the great features we offer is person-to-person transfers. This means sending money to friends or family is just a few taps away no need for cash or checks! And if you prefer going paperless, you'll love our e-statements feature. Sign up for e-statements to receive your account statements electronically, making it easy to stay organized and eco-friendly. While we don't currently support electronic signature authorization or mobile payments, we're committed to continuously improving our services based on member feedback. We encourage you to use our mobile app for quick access and easy management of your accounts. Your security is a top priority for us at Tri-lakes. We employ robust measures to protect your personal information while providing user-friendly experiences across all platforms. In summary, our digital and online banking services make it easier than ever to handle your financial needs with confidence and ease. Join us at Tri-lakes today and discover how simple banking can be!

Financial Strength

Operational Efficiency

Our $70,822 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 7 full-time employees and 0 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Total Share and Deposit Accounts stand at 4,414, showing 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-lakes is your trusted partner. Visit us at 197 Broadway Saranac Lake Ny 12983 or call (518) 891-1666 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.

Reinvestment for Improvement

With $2,278,071 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 $304 in used auto loans and $12,894,688 in total loans and leases.

Secure Savings Options

Members' savings are secured through $819,152 in share certificates and $805,723 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.

Strong Financial Health

With a net worth of $3,020,985, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 11.29% 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 $4,899,724 in used vehicle loans and $2,814,741 in new vehicle loans already helping members get on the road. We provide financing for both new and used vehicles to make your car buying experience as smooth as possible.

Credit Lines

For those looking for added financial freedom, our total credit lines available amount to $2,500,000. This option allows you to borrow what you need when you need it while only paying interest on what you use. If you're interested in any of these products or would like more information about eligibility and refinancing options available at Tri-lakes, please reach out to us at (518) 891-1666. We're here Monday through Friday from 8:30 AM to 5:00 PM in our lobby and from 8:15 AM to 5:00 PM at our drive-thru. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let us help you take the next step toward achieving your financial goals!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $766,784, make buying or refinancing simple. We offer competitive rates and flexible terms that can fit your budget. If you're considering refinancing your current mortgage, our team is ready to guide you through the process.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $130,118 in loans helping members manage their finances effectively. These cards are designed to provide convenience and flexibility for everyday purchases without requiring collateral.

Loan Aggregator

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Ensuring Accurate Loan 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 commitment ensures that all listed offers are fair and transparent. By relying on verified financial institutions, LendMesh guarantees that users receive trustworthy information without any hidden agendas.

TRI LAKES FEDERAL CREDIT UNION - Saranac Lake, NY

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