Union Building Trades Credit Union Parsippany NJ | Best Auto Loans & Business Banking

Introduction

Welcome to Union Building Trades Federal Credit Union, where we believe in building a strong financial future for our members. Located at 205 Cherry Hill Rd, Parsippany, NJ 07054, we have been serving our community since 1973. With a commitment to exceptional member service and community engagement, we proudly support 25,183 members and maintain a robust financial foundation with total assets of $84,065,092. Our friendly team is led by CEO Robert Kodan and guided by Board President Bradly Ferguson, who are dedicated to ensuring that your banking experience is not only convenient but also rewarding. We offer a wide range of services tailored to meet your personal and business needs, including checking and savings accounts, auto loans, mortgage options, and credit cards with rewards. While members can visit us at our branch location, official correspondence should be sent to our mailing address: PO Box 6270, Parsippany, NJ 7054. We pride ourselves on being more than just a financial institution; we are a part of the community. Our total deposits stand at $3,613,479, reflecting the trust our members place in us. With over 15 employees, we are here to provide personalized service that makes banking feel local and accessible. If you're looking for a reliable partner in your financial journey or need assistance with loans having issued over 3,503 loans don't hesitate to reach out! Give us a call at 973-263-0001 or visit us online at ubtfcu.org for more information. We look forward to serving you!

Branch History & Mission

Welcome to the Union Building Trades Federal Credit Union, a pillar of financial support and community engagement in Parsippany, NJ. Established in 1973, our branch has been dedicated to serving our members and fostering financial well-being for over 50 years. With a current membership of 25,183 and total assets reaching an impressive $84,065,092, we have grown alongside our community, adapting to the evolving needs of our members. Located at 205 Cherry Hill Rd, Parsippany, NJ 07054, our branch is easily accessible and positioned near several local landmarks. Whether you're stopping by for personal banking or seeking assistance with loans and credit cards, we're here to help you every step of the way. For official correspondence, please send your mail to PO Box 6270, Parsippany, NJ 7054. At Union Building Trades FCU, our mission is simple yet profound: to provide exceptional financial services while actively supporting our local community. We believe in empowering individuals through sound financial education and personalized service. Our offerings range from checking and savings accounts to auto loans, mortgages, personal loans, and business banking solutions. We also pride ourselves on modern conveniences like online banking and mobile apps that make managing your finances easier than ever. In addition to our comprehensive financial services, we are committed to giving back. Our partnerships with local organizations reflect our dedication to uplifting the community we serve. We understand that when our members thrive, so does the entire community. We invite you to visit us during our operating hours Monday through Thursday from 8:30 AM to 5:00 PM and Friday until 4:30 PM. With ATM availability and drive-thru services at your convenience, we're here for all your banking needs. Join us at Union Building Trades Federal Credit Union today and discover how we can help you achieve your financial goals while making a positive impact in Parsippany! For more information or assistance, feel free to call us at 973-263-0001 or visit our website at ubtfcu.org. Together, let's build a brighter financial future!

Branch Location & Accessibility

Accessibility Features

We prioritize making banking easy for everyone. Our branch is equipped with ADA-compliant features, including ramps and accessible parking spaces. This ensures that all our members can comfortably access our services without any hassle.

Connect with Us

Have questions or need assistance? Don't hesitate to give us a call at 973-263-0001. Our dedicated team is always happy to assist you! We look forward to welcoming you soon at Union Building Trades Federal Credit Union where your financial journey begins!

Operating Hours

Our friendly staff is here to serve you during convenient hours: Monday through Thursday from 8:30 AM to 5:00 PM and Friday from 8:30 AM to 4:30 PM. Whether you're stopping by for a quick transaction or need assistance with more complex banking services, we're ready to help!

Services Offered

At Union Building Trades Federal Credit Union, we offer a range of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we have you covered. You can also enjoy the convenience of our drive-thru service for deposits and withdrawals, as well as ATM access for quick cash transactions.

Member Eligibility

At Union Building Trades, we're excited to welcome you into our close-knit community where your financial well-being is our priority. Becoming a member is straightforward and open to those who live, work, worship, or attend school in the areas we serve. Whether you're looking for personal banking solutions, auto loans, or simply a supportive place to manage your finances, we have something for everyone. We believe in making banking accessible and beneficial for all our members, so joining us means you'll have access to exceptional services tailored to your needs. To find out more about eligibility criteria and discover how easy it is to open an account, feel free to visit our detailed resource at https://ubtfcu.org/membership.html. If you're ready to take the next step or have any questions, don't hesitate to give us a call at (973) 263-0001. We look forward to having you as part of the Union Building Trades family!

Business Banking & Commercial Services

Merchant Services That Matter

Imagine streamlining your payment processes with our merchant services. Whether you're accepting credit card payments or managing online transactions, we provide tools that make it easier for you to focus on what you do best running your business. Our services are designed to be user-friendly and efficient, ensuring that your customers enjoy a smooth experience. Located at 205 Cherry Hill Rd, Parsippany, NJ 07054, we invite you to visit us or contact us at 973-263-0001 to learn how Union Building Trades can support your business goals today!

Tailored Loan Solutions

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

Business Banking

For entrepreneurs and small business owners, our business banking services include merchant services and business loans tailored to support your growth. We know running a business is demanding; that's why we provide resources that can ease financial burdens and streamline operations.

Credit Options

In addition to loans, we also offer personal loans and debt consolidation services designed to give you financial freedom. Whether it's an unexpected expense or consolidating existing debt into one manageable payment, we're here to assist you. And don't forget about our credit cards with rewards perfect for those who want to earn while they spend!

Get Started Today!

At Union Building Trades, located at 205 Cherry Hill Rd Parsippany Nj 07054, we invite you to explore all these services and more. Feel free to reach out with any questions at (973) 263-0001 or visit us in person during our hours: Monday through Thursday from 8:30 AM to 5:00 PM, and Friday until 4:30 PM. Join us today and take the first step towards achieving your financial goals!

Online Convenience

With today's busy lifestyles, convenience is key. That's why we emphasize our robust online and mobile banking features. You can manage your finances anytime, anywhere whether it's making deposits through your phone or accessing ATMs for cash withdrawals. Our basic drive-thru banking allows for quick transactions without leaving your car.

Personal Banking

When it comes to personal banking, we provide a variety of options that cater to your everyday needs. With our checking and savings accounts, managing your money is simple and convenient. You can easily access your funds online or through our user-friendly mobile banking app. Imagine having the ability to check your balance, transfer funds, and pay bills all from the comfort of your home or on the go. If you're considering purchasing a vehicle, our auto loans and vehicle financing options make it easy for you to hit the road without breaking the bank. Our competitive rates can help you secure the best deal possible. Plus, if you're looking at making a significant investment in property, we offer mortgage loans and refinancing options that can fit your budget and goals.

Digital & Online Banking

Easy Access and Management

At Union Building Trades, we want to empower you with real-time account management. With our digital tools, you can stay informed about your finances and make decisions quickly. Whether you're checking your account balance or reviewing recent transactions, everything you need is just a click away. Join us today and experience the ease of digital banking at Union Building Trades! For more information about our online banking services, visit us at https://ubtfcu.org/ or give us a call at (973) 263-0001. Your financial journey starts here!

Key Services

Our online banking services are available 24/7, giving you the flexibility to check balances, pay bills, and transfer funds when it suits you. Plus, with person-to-person transfers, sending money to friends or family is just a few clicks away no need for cash or checks! We also provide electronic statements so you can keep track of your finances without the clutter of paper documents.

Security You Can Trust

Security is our top priority. Although we currently don't support electronic signature authorization, rest assured that all your transactions are protected by advanced security measures. Our mobile application offers an easy-to-use interface for managing your accounts right from your smartphone. While mobile payments aren't available yet, our app ensures that banking on the go remains safe and straightforward.

Financial Strength

At Union Building Trades, 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 committed to maintaining a strong financial foundation that you can trust. With a net worth of $10,735,467, we maintain robust financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 1277 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 $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. 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 supports your financial goals with $35,950,258 in total loans and leases and $503 in used auto loans. Our recent performance reflects our operational efficiency with a net income of -$9,239, which indicates challenges we are addressing to ensure future growth. We also take pride in having 15 full-time employees ready to serve you with a knowledgeable and committed team. Net Shares (Funds available for lending and investments): $0. Total Share and Deposit Accounts: 27,512, showing a strong and growing member base that trusts us with their finances. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. 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 205 Cherry Hill Rd Parsippany NJ 07054 or call 973-263-0001 to learn more about how we can help you achieve your financial goals.

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. Whether you're purchasing a brand-new model or a reliable used vehicle, our financing options are structured to make it easier for you.

Credit Lines and Unsecured Credit Cards

Managing day-to-day expenses can sometimes be challenging. That's why we offer flexible terms on unsecured credit card loans, with a total of $1,377,797 in loans helping members manage their finances effectively. Additionally, our credit lines totaling $6,149,000 provide accessible funds when you need them most.

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 provide competitive rates and flexible terms, ensuring that your dream home is within reach.

Refinancing Options

If you're considering refinancing your current loans, we have programs available that could help lower your monthly payments or reduce interest rates. Reach out to our team for more information on eligibility options and how we can assist you in making the most of your financial situation. At Union Building Trades, we're committed to supporting your financial journey with a variety of lending solutions. For performance insights and financial data, we source our information from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Visit us today or explore our website at https://ubtfcu.org/ for more details!

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