Twin Rivers Credit Union Massena NY | Best Auto Loans & Quick Personal Loans

Introduction

Welcome to Twin Rivers, your trusted credit union located at 23 Phillips St, Massena, NY 13662. Since our establishment in 1970, we have proudly served our community with a commitment to providing reliable financial solutions and personalized service. With over 2,692 members and total assets of $37,956,970, we are dedicated to helping you achieve your financial goals. At Twin Rivers, we understand the importance of fostering a strong relationship with our members. Our team, led by CEO Christine Grant and Board President R Shawn Gray, works tirelessly to ensure you receive the best banking experience possible. We have a passionate staff of 9 employees who are always ready to assist you in navigating your financial journey. Our diverse offerings include personal banking services like checking and savings accounts, auto loans, mortgage loans, and credit cards with rewards. For businesses, we provide essential services such as merchant services and business loans. As a member-focused credit union, we also offer online and mobile banking options for your convenience. While members can visit us at our branch location, official correspondence should be sent to the same address: 23 Phillips St, Massena, NY 13662. Feel free to reach out to us at 315-764-0240 or explore our website at twinriversfcu.org for more information about our services. Join us today and discover how Twin Rivers can support your financial needs because here, you're not just a member; you're part of our family!

Branch History & Mission

Commitment to Service

In addition to traditional banking services like checking accounts and credit cards with rewards, we offer online banking for convenience and accessibility. Our branch features both ATM availability and drive-thru banking for quick access to your funds. Operating hours are designed with your needs in mind: Monday through Friday from 8:30 AM to 5:00 PM, and Saturday from 9:00 AM to 12:00 PM (Drive-Thru Only). While members can visit us at 23 Phillips St for all their banking needs, official correspondence should be directed to the same address. Our dedicated team is always ready to assist you just give us a call at 315-764-0240.

Join Us!

We invite you to become part of Twin Rivers Credit Union family. Experience firsthand how we're not just another financial institution; we're your partner in achieving financial success while strengthening our community together. Visit us today or explore more about membership eligibility at Twin Rivers. Together, let's build a brighter future!

Our Journey

Located at 23 Phillips St, Massena, NY 13662, Twin Rivers began with a small group of members who shared a vision for better financial services. Since then, we have grown to serve approximately 2,692 members, managing total assets of $37,956,970. This growth reflects our dedication to providing personalized banking experiences tailored to the needs of our community. As we evolved, we embraced modern banking trends while remaining rooted in our mission: to empower our members through accessible financial services and community support. Whether it's offering competitive auto loans or facilitating mortgage refinancing, our goal is to help you achieve your financial dreams.

Our Mission

At Twin Rivers, we believe that banking should be more than just transactions; it should foster relationships and support. Our mission is simple: to provide exceptional service while enhancing the quality of life for our members and the communities we serve. We strive to create an environment where everyone feels valued and empowered. We understand that our success is tied to the well-being of our community. That's why we actively engage in outreach programs and partnerships that benefit local initiatives. By investing in Massena and surrounding areas, we aim to uplift those around us and create lasting positive change.

Branch Location & Accessibility

Welcome to Twin Rivers, your friendly neighborhood credit union located at 23 Phillips St, Massena, NY 13662. We understand that convenience is key when it comes to managing your finances, and our branch is perfectly situated to serve you. Nestled near local landmarks, we are easily accessible whether you're coming from work or just running errands. At Twin Rivers, we prioritize accessibility for all our members. Our location features ADA-compliant entrances and ramps, ensuring that everyone can easily visit us. Plus, we offer ample parking so you can stop by without any hassle. We're proud to provide a variety of banking services to meet your needs. Whether you're interested in personal banking like checking and savings accounts or seeking financing options such as auto loans and mortgages, our dedicated team is here to help. For those on the go, we also have ATM availability right at our branch, making cash withdrawals quick and easy. Our operating hours are designed with your busy schedule in mind. You can visit us Monday through Friday from 8:30 AM to 5:00 PM for lobby services. If you prefer drive-thru banking, join us on Saturday from 9:00 AM to 12:00 PM for quick transactions without leaving your car. While members can visit us at our branch address for all banking needs, official correspondence should be sent to the same address: 23 Phillips St, Massena, NY 13662. Have questions or need assistance? Don't hesitate to give us a call at 315-764-0240. We look forward to welcoming you into the Twin Rivers family!

Member Eligibility

At Twin Rivers, we believe that everyone deserves a chance to be part of a caring community where their financial needs are prioritized. Joining us is simple and welcoming! If you live, work, worship, or attend school in St. Lawrence County or are related to someone who does, you're likely eligible for membership. This means you can enjoy all the perks of being part of our family, from personalized service to great financial products tailored just for you. We strive to make banking approachable and friendly, so you'll feel right at home with us. Ready to take the next step? You can find detailed eligibility criteria on our website at http://www.twinriversfcu.org/aboutus.php#membereligibilty. If you have any questions or need assistance, don't hesitate to reach out by calling us at (315) 764-0240. We're excited to welcome you to Twin Rivers, located at 23 Phillips St Massena Ny 13662!

Business Banking & Commercial Services

Commercial Loans That Fuel 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 for Everyday Needs

Imagine having a reliable partner that helps you accept payments easily while focusing on what matters most your business. Our merchant services allow you to process transactions smoothly, giving your customers the convenience they expect. Whether it's in-store or online, we have solutions that fit right into your daily operations. At Twin Rivers, we're more than just a financial institution; we're invested in your success. Visit us at 23 Phillips St Massena Ny 13662 or call us at (315) 764-0240 to learn more about how we can assist you on your journey to business excellence.

Comprehensive List Of Services

Access When You Need It

Need cash? Our ATM & Cash Withdrawal Services ensure you have access to your money when you need it most. Plus, enjoy basic drive-thru banking for deposits and withdrawals without ever leaving your car. At Twin Rivers, we pride ourselves on being more than just a credit union; we're a partner in your financial journey. If you're ready to explore how we can help meet your financial needs, please reach out at 315-764-0240 or visit us at Twin Rivers. We look forward to welcoming you!

Auto Loans & Vehicle Financing

If you're in the market for a new car, our Auto Loans & Vehicle Financing services make it easy to drive off with confidence. Picture yourself cruising in your dream vehicle, knowing you secured an affordable loan that fits your budget.

Business Banking Solutions

For entrepreneurs and small business owners, our Business Banking services cover everything from merchant services to business loans. Whether you're starting a new venture or expanding an existing one, we're committed to helping businesses thrive in our community.

Convenient Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why we offer robust Online & Mobile Banking options that allow you to manage your accounts anytime, anywhere. You can pay bills, transfer funds, and check balances all from the comfort of your home or on the go.

Home Sweet Home

Buying a home is one of life's biggest milestones. Our Mortgage Loans & Refinancing services provide flexible options whether you are purchasing your first home or refinancing an existing mortgage for better rates. We want to help make the dream of homeownership a reality for you.

Personal Banking Made Easy

We understand that banking should be straightforward and accessible. That's why our Personal Banking options include checking and savings accounts designed to fit your lifestyle. Imagine having a checking account that makes everyday purchases hassle-free while also allowing you to save for those special moments or emergencies.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way, but our Personal Loans & Debt Consolidation services are here to assist you when you need it most. Whether it's consolidating debt or funding a personal project, we offer loans with competitive terms that empower you to take control of your finances.

Rewards with Credit Cards

Our Credit Cards with Rewards program allows you to earn points on everyday purchases. Imagine earning rewards just by shopping at your favorite stores it's our way of giving back while helping you manage your spending effectively.

Digital & Online Banking

Additional Features

We also offer features like person-to-person transfers for those times when you need to send money quickly. However, please note that this service isn't available right now. Additionally, while we do not support electronic signature authorization at this time, our commitment to protecting your privacy remains strong. At Twin Rivers, we believe in making banking straightforward and accessible for all our members. Visit us online today at https://www.twinriversfcu.org/ to explore how our digital services can work for you!

Key Services

With our 24/7 online banking available at https://www.twinriversfcu.org/, you can check your account balance, transfer funds, and pay bills anytime, anywhere. This means you have real-time access to your finances right at your fingertips. Say goodbye to waiting in line and hello to banking on your schedule! Need to keep track of your statements? We provide e-statements, allowing you to view your financial documents electronically. It's not only quicker but also more environmentally friendly than paper statements. Plus, they're easily accessible whenever you need them. While we currently don't offer a mobile application or mobile payments, our online banking platform is user-friendly and secure, ensuring that your information stays protected. You can feel confident knowing that your transactions are safeguarded with the latest security measures.

Financial Strength

At Twin Rivers, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are proud to share our financial strength, which reflects our commitment to serving you with confidence. With a net worth of $4,599,289, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 12.12% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $3,198,933 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. With $4,599,289 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 $377 in used auto loans and a total of $16,297,963 in loans and leases available. Our operational efficiency is evident through our $98,620, which allows us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 9 full-time employees ready to serve you with a knowledgeable, committed team. Total Share Accounts stand at 5,575, 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, Twin Rivers is your trusted partner. Visit us at 23 Phillips St Massena Ny 13662 or call (315) 764-0240 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 $4,740,466 in used vehicle loans and $3,539,988 in new vehicle loans already helping members get on the road. Whether you're considering a brand-new model or a reliable used vehicle, our financing options are here to support your journey.

Credit Lines and Credit Cards

We also provide flexible terms on unsecured credit card loans, with a total of $756,754 in loans helping members manage their finances effectively. Additionally, our credit lines amounting to $5,000,000 can serve as an excellent resource for unexpected expenses or planned purchases.

Mortgage Loans

Thinking about homeownership? While we currently do not offer Junior Lien 1-4 Family Residential Properties loans, our team is eager to discuss potential mortgage options with you. We can help guide you through the process and explore refinancing opportunities if you're looking to adjust your current mortgage terms.

Refinancing Options

If you're interested in refinancing any existing loans or exploring eligibility options for our various products, feel free to reach out! Our knowledgeable staff at our branch located at 23 Phillips St, Massena NY 13662 is ready to assist you. You can contact us at (315) 764-0240, and we'll be happy to walk you through your options. At Twin Rivers, we prioritize transparency and support as you navigate your financial journey. 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 dreams with personalized loan products tailored just for you!

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TWIN RIVERS FEDERAL CREDIT UNION - Massena, NY

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