Union Building Trades Credit Union New Castle DE | Affordable Auto Loans & Business Banking

Introduction

Welcome to Union Building Trades, where your financial goals meet personalized service and community commitment. Located at 814 W Basin Rd, New Castle, DE 19720, our Delaware Branch has proudly served its members since 1973. With a total membership of 25,183 and assets reaching $84,065,092, we are dedicated to providing you with the resources and support you need to thrive. At Union Building Trades, we understand that every member's journey is unique. That's why we offer a wide range of services tailored to fit your needs, whether you're looking for personal banking options like checking accounts and auto loans or business banking solutions. Our team is here to help you navigate your financial landscape with confidence. Under the leadership of our CEO, Robert Kodan, and Board President, Bradly Ferguson, we work tirelessly to ensure that our members feel valued and supported. We maintain a strong net worth of $10,735,467 and are proud to have no borrowings on our books, reflecting our commitment to fiscal responsibility. With 15 dedicated employees, we ensure that every interaction is friendly and focused on your satisfaction. While members can visit us at our branch location for personalized assistance during our lobby hours from 8:30 AM to 3:30 PM, Monday through Friday, we also encourage you to connect with us online at ubtfcu.org. Whether you have questions about loans totaling 3,503 or deposits amounting to $3,613,479, our knowledgeable staff is ready to assist you. Come discover how Union Building Trades can empower your financial future today! If you need immediate assistance, feel free to call us at (302) 322-5086. Your journey toward financial wellness starts here!

Branch History & Mission

Community Impact

At Union Building Trades, we pride ourselves on being more than just a financial institution; we are a part of the fabric of New Castle. Our outreach initiatives aim to support local events and organizations, reinforcing our belief that when our community thrives, we all benefit. We understand that today's world requires flexibility, which is why we offer online banking services for convenience alongside traditional banking methods. While currently lacking ATM and drive-thru facilities, we ensure that your banking experience remains straightforward with online access available through our website at ubtfcu.org.

Join Us

As we look toward the future, we invite you to become part of our story. Experience firsthand how Union Building Trades can help you navigate your financial journey with confidence. For any inquiries or assistance, please reach out to us at 302-322-5086 during our operating hours from Monday through Friday between 8:30 AM and 3:30 PM. While official correspondence should be sent to 814 W Basin Rd, New Castle, DE 19720, we welcome you to visit us in person for personalized service tailored just for you. Join us today and discover the benefits of membership with Union Building Trades where your financial success is our priority!

Our Journey

Since our inception, Union Building Trades has witnessed significant growth, now proudly serving over 25,183 members. Over the years, we have expanded our services and improved our offerings to meet the evolving needs of our community. With total assets reaching $84,065,092, we have established a solid foundation that allows us to provide financial stability and support to our members. Our mission is clear: to empower individuals and families through accessible financial services while fostering a sense of community. We believe in building lasting relationships with our members based on trust and transparency. Whether it's providing personal banking solutions like checking and savings accounts or offering auto loans and mortgages, we are dedicated to helping you achieve your financial goals.

Branch Location & Accessibility

Accessibility Features

We prioritize your comfort and accessibility. Our branch is designed with ADA-compliant features, ensuring everyone can easily access our services. If you're driving, you'll find ample parking available nearby.

Operating Hours

We understand that your time is valuable. That's why our lobby hours are set from Monday through Friday, opening at 8:30 AM and closing at 3:30 PM. We invite you to come by during these hours for all your banking needs.

Services Offered

At Union Building Trades, we offer a variety of services tailored for individuals and businesses alike. From checking and savings accounts to vehicle financing and credit cards with rewards, we have something for everyone. Our friendly team is ready to help you navigate through all options available. If you need assistance or have questions, don't hesitate to give us a call at 302-322-5086. We look forward to welcoming you at our branch soon!

Member Eligibility

Joining the Union Building Trades community means stepping into a world of support and shared values, where your financial needs are prioritized. If you're wondering how to become a member, it's quite simple! Anyone who works in the building trades or has family members involved in this field can join. This includes a wide range of professions, making it easy for many to access our services. Becoming a member at Union Building Trades not only opens doors to various financial products but also connects you with a network that understands your unique needs. For those interested in more detailed eligibility criteria, feel free to check out our resource at https://ubtfcu.org/membership.html . Ready to get started? Opening an account is straightforward and welcoming. You can find all the details on how to open your account by visiting https://www.financial-net.com/ubtfcu/lending . If you have any questions or need assistance, don't hesitate to reach out to us at (302) 322-5086. We're here to help you every step of the way!

Business Banking & Commercial Services

Merchant Services Made Easy

In today's fast-paced world, efficient payment processing is crucial for success. Our merchant services simplify transactions, allowing you to focus on what matters most running your business. Imagine having a reliable system that accepts various payment methods seamlessly, enhancing customer satisfaction while streamlining your operations. Located at 814 W Basin Rd New Castle, DE 19720, our dedicated team is ready to assist you every step of the way. Reach out to us at 302-322-5086 during our lobby hours from 8:30 AM to 3:30 PM, Monday through Friday, and discover how we can help your business thrive!

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. Whether you need funds for expansion, equipment purchases, or working capital, we're here to provide personalized solutions that fit your needs.

Comprehensive List Of Services

Auto Loans and Vehicle Financing

Thinking about buying a car? Our auto loans and vehicle financing options make it simple for you to drive away in the vehicle you've always wanted. With competitive rates and flexible terms, we work hard to ensure that financing doesn't become a burden.

Business Banking Services

For our business members, Union Building Trades provides essential banking services including merchant services and business loans. We understand how important it is for businesses to have reliable financial support, which is why we're committed to helping local entrepreneurs succeed.

Convenient Digital Banking Features

We prioritize convenience for our members. With features like online banking, mobile applications, and person-to-person payment options, managing your finances has never been easier. You can easily transfer funds, check balances, or pay bills without stepping foot outside your home! In summary, whether you're in New Castle or just visiting our Delaware Branch at 814 W Basin Rd, we invite you to experience the comprehensive services available at Union Building Trades. If you have any questions or would like more information about how we can assist you financially, please don't hesitate to call us at 302-322-5086. Join us today and take the next step towards achieving your financial dreams!

Credit Cards with Rewards

Consider exploring our credit card offerings which come with rewards! Whether you want cash back or travel points, these cards can help you earn while spending.

Home Financing Options

When it's time to buy a home or refinance your current mortgage, our mortgage loans are tailored to meet diverse needs. We know that buying a home is one of the biggest decisions you'll ever make, and we're here to guide you through the process with personalized service.

Personal Banking Solutions

Starting with personal banking, we offer checking and savings accounts that fit your lifestyle. Imagine easily managing your money with online banking and mobile options right at your fingertips. Need quick access to cash? While we currently don't have ATMs on-site, our online services make it easy to keep track of your finances from home or on the go.

Personal Loans and Debt Consolidation

If you're looking for personal loans or need assistance with debt consolidation, we've got you covered. Our team will walk you through different loan options that can help ease financial stress and get you back on track toward your goals.

Digital & Online Banking

Key Services

Our online banking service allows you to access your account anytime, anywhere. Whether you're checking balances, transferring funds, or paying bills, our 24/7 online banking ensures you can handle it all without a hitch. Plus, with the option for e-statements, keeping track of your financial activity is simple and eco-friendly. Need to send money quickly? Our person-to-person transfer feature makes it easy to share funds with friends or family in just a few clicks. You can also take advantage of our mobile application, which puts banking directly in your pocket perfect for when you're on the go.

Security and Accessibility

Your security is our top priority. While we currently do not offer electronic signature authorization or mobile payment features, rest assured that our systems are designed with robust protections to keep your information safe. We focus on providing an accessible experience, so you can navigate your accounts with ease. In today's fast-paced world, having control over your finances should be straightforward. With the tools available through Union Building Trades, you can enjoy real-time account management whenever you need it. Join us in embracing modern banking solutions that fit seamlessly into your lifestyle!

Financial Strength

Commitment to Growth

With $10,706,715 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is robust; with $503 in used auto loans and $35,950,258 in total loans and leases, we support members' financial goals across various sectors.

Growing Membership Base

Total Share and Deposit Accounts: 27,512, showing a strong and growing member base that trusts us with their finances. This trust empowers us to keep enhancing the services we provide. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Union Building Trades is your trusted partner. Visit us at 814 W Basin Rd New Castle De 19720 or call (302) 322-5086 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.

Member-Focused Savings

Members' savings are secured through $4,937,731 in share certificates and $2,956,372 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.

Operational Efficiency

Our ability to adapt is reflected in our $-9,239, which shows our operational efficiency. This performance enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 15 full-time employees and 0 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Strong Financial Position

With a net worth of $10,735,467, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,277 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 $6,077,283 in used vehicle loans and $2,944,136 in new vehicle loans already helping members get on the road. We provide flexible terms tailored to fit your budget and lifestyle. Additionally, if you're considering refinancing your current auto loan, we can help you explore eligibility options to make that process easy.

Credit Lines and Unsecured Credit Cards

We offer competitive credit lines totaling $6,149,000, providing you with the flexibility you need for any unexpected expenses or planned purchases. Furthermore, our unsecured credit card loans amounting to $1,377,797 come with flexible terms that can help you manage your finances effectively. At Union Building Trades in New Castle, DE (814 W Basin Rd), we strive to create financial solutions that empower our members. If you're interested in learning more about our loan products or want to discuss your options further, please reach out at (302) 322-5086 during our operating hours from Monday through Friday between 8:30 AM and 3:30 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. Let us help you take the next step toward achieving your financial dreams!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $12,061,440, make buying or refinancing simple. We guide you through the entire mortgage process to ensure you find the right fit for your needs.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring Accurate 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 means that users can trust the accuracy of the information they receive. The platform prioritizes fairness and transparency in its comparisons, ensuring that users see legitimate offers from credible lenders.

UNION BUILDING TRADES FEDERAL CREDIT UNION