UHS Employees Credit Union Binghamton NY | Best Auto Loans & Quick Personal Loans

Introduction

Welcome to U. H. S. Employees Credit Union, your trusted financial partner located at 40 Mitchell Ave, Binghamton, NY 13903. Since our establishment in 1974, we have proudly served over 3,200 members, creating a strong community rooted in trust and support. With total assets reaching an impressive $23,479,114, we are committed to providing personalized financial solutions that empower our members. At U. H. S. Employees, we understand that each member has unique financial needs. Whether you're looking for auto loans, mortgage options, or personal banking services, we've got you covered with a variety of products designed just for you. Our dedicated team of 9 employees, led by CEO Kay Murray and Board President Lucinda Rider, is here to guide you every step of the way. For those needing official correspondence, please note that while you can visit us at our branch address, all mail should be sent to our mailing address at 33-57 Harrison St, Johnson City, NY 13790. With total loans amounting to 1,456 and deposits exceeding $848,615, we take pride in maintaining a solid financial foundation that benefits our members through competitive rates and exceptional service. Our net worth stands at $2,358,318, ensuring that your investments are secure with us. We invite you to explore our offerings online at cuonlineuhs.org or give us a call at 607-763-5069 during our lobby hours from Monday to Friday: 9:30 AM - 5:00 PM, with extended hours on payday Thursdays until 5:30 PM. Join us in making financial dreams a reality visit us today!

Branch History & Mission

Looking Ahead

As we move forward, U. H. S. Employees remains committed to enhancing member experiences through digital advancements while ensuring compliance with ADA standards for accessibility. Our operating hours are Monday through Friday from 9:30 AM to 5:00 PM, with extended hours on payday Thursdays until 5:30 PM. We invite you to become part of our growing family! Join U. H. S. Employees today and discover how we can help you achieve your financial goals while making a meaningful impact in your community. For more information or assistance, feel free to call us at (607) 763-5069 or visit our website at cuonlineuhs.org. Together, let's build a brighter future!

Our Journey

Since opening our doors nearly five decades ago, U. H. S. Employees has witnessed significant changes in the financial landscape while remaining committed to our core mission: to empower our members through accessible financial services and foster community support. As we expanded our offerings over the years, we have embraced innovation and adapted to meet the evolving needs of our members. Our branch is more than just a place for transactions; it's a hub for financial education and community engagement. We understand that financial decisions can be overwhelming, which is why we strive to provide clear guidance and support every step of the way.

Our Mission

At U. H. S. Employees, our mission is simple: to enhance the lives of our members through affordable banking solutions while making a positive impact on the communities we serve. We offer a wide range of services including personal checking and savings accounts, auto loans, mortgages, personal loans, business banking solutions, and online banking options for your convenience. We believe in giving back to Binghamton by participating in local initiatives and partnering with organizations that make a difference in people's lives. Whether it's sponsoring community events or supporting local charities, we are dedicated to being more than just a financial institution; we want to be an integral part of the fabric of this community. While members can visit us at 40 Mitchell Ave Binghamton Ny 13903, official correspondence should be sent to 33-57 Harrison St, Johnson City, NY 13790 if needed.

Branch Location & Accessibility

Convenient Features

Our branch offers a warm and welcoming environment where you can enjoy personalized service from our dedicated team. We understand that accessibility matters, which is why we are committed to providing an ADA-compliant space with ramps and easy access for everyone. Parking is available nearby, ensuring that your visit is hassle-free. While we don't have drive-thru banking or ATM services at this location, our friendly staff is always ready to assist you inside the branch.

Get in Touch

Have questions or need assistance? Don't hesitate to give us a call at 607-763-5069. Our team is eager to help you navigate your financial journey and answer any queries you might have. Come visit us today at the U. H. S. Employees branch we look forward to welcoming you!

Operating Hours

We know your time is valuable. That's why we're open Monday through Friday from 9:30 AM to 5:00 PM, with extended hours on payday Thursdays until 5:30 PM. Whether you need help with personal banking services like checking and savings accounts or financing options for auto loans and mortgages, we're here during these hours to serve you better.

Member Eligibility

Becoming a member of U. H. S. Employees is like joining a close-knit family where your financial needs are prioritized and supported. If you live, work, or worship in the Binghamton area, or if you're an employee of U. H. S., you're already on the right path to membership! We believe in making banking accessible for everyone, which is why we welcome individuals from various backgrounds to join our community. To get started, simply visit us at our branch located at 40 Mitchell Ave Binghamton Ny 13903, or give us a call at (607) 763-5069 for more information. You can also check out the detailed eligibility criteria here to ensure you meet all requirements. Opening an account with us is straightforward and welcoming. You can easily begin your membership journey by visiting our online account opening page at https://www.realtimehomebanking.com/enroll.aspx?clientid=21586 . At U. H. S. Employees, we're dedicated to helping you achieve your financial goals with personalized service and a range of products designed just for you. Join us today and experience the difference that comes from being part of our community!

Business Banking & Commercial Services

Merchant Services

In addition to loans, we offer merchant services designed to simplify everyday transactions for business owners. Imagine having the ability to accept payments seamlessly from customers, ensuring that you can focus on what matters most growing your business. Our solutions cater to various needs, making it easier for you to manage sales and improve customer experiences. Visit us at 40 Mitchell Ave Binghamton Ny 13903 in Binghamton, NY, or give us a call at (607) 763-5069 to learn more about how we can assist your business journey!

Tailored Business Loans

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.

Comprehensive List Of Services

ATM & Cash Withdrawal Services

While we don't have ATMs on-site, our partnership allows easy access to cash withdrawal services nearby. This ensures that you can access your money when needed without any hassle. At U. H. S. Employees in Binghamton, NY, we're committed to supporting our members through every financial journey they undertake. If you're ready to explore how these services can work for you or if you have any questions, feel free to give us a call at 607-763-5069 or visit us online at cuonlineuhs.org. Your financial well-being is our priority!

Auto Loans & Vehicle Financing

Need a new car? We provide auto loans and vehicle financing options to help you drive away in your dream vehicle without breaking the bank. Our competitive rates ensure that you get the best deal possible, making it easier for you to focus on enjoying the ride rather than stressing over payments.

Business Banking

For our business members, we provide comprehensive business banking services including merchant services and business loans. Whether you're just starting out or looking to expand, we have solutions tailored for businesses of all sizes.

Credit Cards with Rewards

For those who enjoy making purchases while earning rewards, we offer credit cards with rewards programs. Picture yourself earning points or cash back on everyday spending it's like getting paid for shopping!

Mortgage Loans & Refinancing

Thinking about buying a home or refinancing your current mortgage? Our mortgage loans and refinancing services are here to assist you every step of the way. We aim to simplify the process so you can concentrate on finding the perfect place to call home.

Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why our online and mobile banking features allow you to manage your accounts anytime, anywhere. With just a few clicks, you can check balances, transfer funds, or pay bills all from the comfort of your home or on-the-go.

Personal Banking

We understand that personal finances can be overwhelming at times. That's why we offer various checking and savings accounts that fit different lifestyles and budgeting needs. Imagine having the flexibility to access your funds easily while earning interest on your savings our accounts make that possible!

Personal Loans & Debt Consolidation

If you find yourself in need of extra cash or want to streamline your payments, our personal loans and debt consolidation options can help lighten your financial load. With flexible terms and competitive rates, we work with you to create a plan that suits your situation.

Digital & Online Banking

Key Features

Our online banking services are available 24/7, giving you the freedom to check balances, transfer funds, and pay bills when it suits you. You can also enjoy the convenience of e-statements, which are not only eco-friendly but also help you keep track of your finances easily no more paper clutter! Plus, with our person-to-person transfer feature, sending money to friends or family is quick and hassle-free. For those who prefer banking on-the-go, our mobile application allows you to manage your account right from your smartphone. Whether you're at home or out and about, you'll have real-time access to all your financial needs. While we currently do not support mobile payments, we continually strive to enhance our services based on member feedback.

Security and Accessibility

We prioritize your security with robust measures in place to protect your information. Although we do not offer electronic signature authorization at this time, rest assured that our platform is designed with safety in mind. Our team is dedicated to ensuring that your online banking experience remains secure while being as user-friendly as possible. At U. H. S. Employees, we're committed to providing accessible and efficient banking solutions tailored for you. Embrace the ease of managing your finances digitally today!

Financial Strength

A Committed Team

We also take pride in having 9 full-time employees and 0 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. The trust of our growing member base is evident as we proudly manage a total of 6,658 accounts. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, U. H. S. Employees is your trusted partner. Visit us at 40 Mitchell Ave Binghamton Ny 13903 or call (607) 763-5069 to learn more about how we can help you achieve your financial goals.

Member-Focused Savings

Members' savings are secured through $3,664,180 in share certificates and $1,346,372 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.

Reinvesting in Our Members

With $2,163,129 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. We are dedicated to meeting your financial needs today while preparing for future challenges.

Strong Financial Metrics

With a net worth of $2,358,318, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,004 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 Goals

Our lending capacity supports members' financial goals across various sectors with $265 in used auto loans and $14,835,298 in total loans and leases. This allows us to provide versatile options tailored to your individual needs. Our operational efficiency is reflected in our $0, enabling us to continue offering competitive loan rates and solid financial products for our members.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $3,254,569 in used vehicle loans and $3,834,715 in new vehicle loans already helping members get on the road. Whether it's financing for a brand-new model or a reliable used vehicle, we're here to help you drive away with confidence.

Credit Lines and Other Offerings

In addition to our auto and mortgage loans, we provide credit lines totaling $3,320,000, giving you the flexibility you need for unexpected expenses or planned purchases. Each product is designed with your financial well-being in mind. If you're considering refinancing any existing loans or checking eligibility options, our team is ready to assist you with personalized advice tailored to your situation. For any questions or to start your application process, don't hesitate to reach out! You can contact us at (607) 763-5069 during our operating hours: Monday through Friday from 9:30 AM - 5:00 PM (with extended hours on payday Thursdays until 5:30 PM). Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. We look forward to helping you take the next step in your financial journey at U. H. S. Employees, located at 40 Mitchell Ave Binghamton Ny 13903, Binghamton, NY!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $535,703, make buying or refinancing simple. We offer flexible terms and competitive interest rates, ensuring that you can find a plan that fits within your budget.

Unsecured Credit Card Loans

Managing day-to-day expenses can sometimes feel overwhelming. That's why we also offer flexible terms on unsecured credit card loans, with a total of $0 in loans helping members manage their finances effectively. With straightforward repayment options and no hidden fees, it's easier than ever to keep track of your spending.

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Real-Time Rate Comparisons

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U. H. S. EMPLOYEES FEDERAL CREDIT UNION