United Poles Perth Amboy NJ Credit Union | Low Mortgage Rates & Auto Loans

Introduction

Welcome to United Poles, your trusted partner in financial success since 1965. Located at 412 New Brunswick Ave, Perth Amboy, NJ 08861, our credit union has been dedicated to serving our community with reliable banking solutions and a personal touch. With a commitment to our members, we proudly support over 2,064 members and manage an impressive $64,901,214 in total assets. At United Poles, we believe in building strong relationships. Our experienced team of 9 employees, led by CEO Iwona Karpeta and Board President Thomas Kazalski, is here to assist you every step of the way. Whether you're looking for checking and savings accounts, auto loans, or business banking services, we've got you covered. For your convenience, while you can visit us at our branch address for all your banking needs, official correspondence should be sent to the same location: 412 New Brunswick Ave, Perth Amboy, NJ 8861. Our financial strength speaks volumes boasting total deposits of $850,957, a net worth of $4,541,735, and cash on hand totaling $608,917. We understand that every member's journey is unique; that's why we offer personalized loan options with a total of 2,340 loans and leases available to meet your needs. Ready to take the next step towards achieving your financial goals? Visit us online at United Poles or give us a call at 800-333-7713. Let's work together towards a brighter financial future!

Branch History & Mission

Community Engagement

United Poles isn't just about finances; it's about giving back. We actively engage in community outreach efforts and partnerships that uplift those around us. From local events to educational workshops on financial literacy, we believe in investing in the future of Perth Amboy.

Join Us Today!

We invite you to become part of the United Poles family. Experience firsthand how we blend quality service with genuine care for our community. Visit us during our lobby hours Monday through Wednesday from 9 AM to 2 PM, Thursday and Friday from 11 AM to 7 PM, and Saturday from 9 AM to 12 PM or call us at 800-333-7713 for more information. Your financial journey starts here at United Poles! Let's grow together!

Our Journey

Since opening our doors nearly six decades ago, United Poles has seen significant growth and evolution. We have built a solid foundation based on trust and integrity while focusing on providing exceptional financial services tailored to our members' needs. Over the years, we have accumulated total assets of $64,901,214, reflecting our commitment to sound financial management and member support. Our journey has not just been about numbers; it's about the lives we've touched through our services whether it's helping families secure auto loans or guiding individuals toward their first home through mortgage financing. Each milestone we achieve is a testament to our dedication to our members and the communities we serve.

Our Mission

At United Poles, our mission is simple yet impactful: we aim to empower our members financially while fostering a sense of community. We believe that everyone deserves access to quality banking services without barriers. That's why we offer personal banking options such as checking and savings accounts, auto loans, credit cards with rewards, and business banking solutions. We strive to create an environment where our members feel valued and supported. Whether you're looking for online banking convenience or assistance with your loan applications, we are here for you. Our team is committed to providing personalized service that meets your individual needs. For any official correspondence, please note that while you can visit us at 412 New Brunswick Ave, all mail should be sent to 412 NEW BRUNSWICK AVE, PERTH AMBOY, NJ 8861.

Branch Location & Accessibility

Accessibility and Parking

Our branch is designed with accessibility in mind. We ensure that everyone can access our services comfortably, including ADA-compliant features like ramps. Ample parking is available nearby, so you won't have to worry about finding a spot when you come to see us.

Get in Touch

Have questions or want more information? Feel free to give us a call at 800-333-7713. Our friendly staff is ready to assist you with any inquiries you may have. We invite you to visit us soon at United Poles where your financial goals become our mission!

Operating Hours

We understand that flexibility matters. Our lobby hours are tailored to meet your needs: we're open Monday through Wednesday from 9 AM to 2 PM, Thursday and Friday from 11 AM to 7 PM, and Saturday from 9 AM to 12 PM. Whether you need assistance during the week or prefer weekend visits, we aim to accommodate your schedule.

Services Offered

At United Poles, we offer a variety of services designed to support your financial journey. From checking and savings accounts to auto loans and mortgage refinancing, we have something for everyone. Plus, with options for personal loans and credit cards with rewards, managing your finances has never been easier.

Member Eligibility

Becoming a member of United Poles is like joining a family where your financial well-being comes first. Located at 412 New Brunswick Ave Perth Amboy Nj 08861, we welcome individuals who share a common bond with our community. Whether you live, work, worship, or attend school in the area, you're likely eligible to join us. We believe in making banking accessible and friendly for everyone. Membership here means enjoying personalized services and benefits tailored just for you, from competitive loan rates to helpful financial advice. To get started on your journey with us, simply visit our website for detailed eligibility criteria at . If you're ready to open an account, the process is straightforward and can be done online through this link: https://my.homecu.net/banking/hcuactivate.prg?cu=upfcu. Should you have any questions or need assistance, feel free to reach out to us at (800) 333-7713. We can't wait to welcome you into the United Poles family!

Business Banking & Commercial Services

Commercial Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $17 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $581,386, we continue to drive economic growth by financing new and expanding businesses. Imagine a local bakery that dreams of opening a second location. With our tailored loan options, they can secure the funds needed to renovate their new space and purchase equipment, all while focusing on what they do best baking delicious treats.

Merchant Services

In addition to loans, we offer merchant services designed to simplify daily operations for businesses. From payment processing solutions to point-of-sale systems, our tools help you manage transactions efficiently. Picture a bustling cafe using our services to streamline orders and payments, allowing them more time to connect with customers and create memorable experiences. Located at 412 New Brunswick Ave Perth Amboy Nj 08861 in Perth Amboy, NJ, we are here to support your business journey. Reach out today at (800) 333-7713 to learn more about how we can assist you in achieving your goals!

Comprehensive List Of Services

Accessibility

Located at 412 New Brunswick Ave, we welcome members during our lobby hours: Monday through Wednesday from 9 AM to 2 PM, Thursday and Friday from 11 AM to 7 PM, and Saturday from 9 AM to 12 PM. Have questions? Feel free to call us at 800-333-7713 our friendly staff is always ready to assist! At United Poles, we're not just about transactions; we're about building relationships. We invite you to explore all that we have to offer by visiting us online at unitedpolesfcu.com. Let us help you achieve your financial dreams today!

Business Banking Services

For entrepreneurs and business owners, United Poles offers robust business banking services. From merchant services that simplify payment processing to business loans designed for growth, we are dedicated to helping local businesses thrive in our community.

Convenient Digital Banking

In today's fast-paced world, convenience matters. That's why we offer online and mobile banking options that allow you to manage your accounts anytime, anywhere. With features like electronic statements and person-to-person payments, accessing your finances has never been easier.

Credit Card Rewards

With our credit cards featuring rewards programs, every purchase can earn you benefits. Whether it's cash back or travel points, using our credit card means you're getting more from your everyday spending.

Home Financing

Looking to buy a home or refinance your current mortgage? Our mortgage loans come with competitive rates and personalized service. We understand that buying a home is one of the most significant decisions you'll make, and we're here to guide you through the process smoothly.

Personal Banking Solutions

Our personal banking services include checking and savings accounts that help you manage your money effectively. Imagine having a checking account with no monthly fees, allowing you to focus on what truly matters your financial wellbeing. For those looking to save for future goals, our savings accounts offer competitive interest rates to grow your funds over time. When life throws unexpected expenses your way, our personal loans and debt consolidation options can provide the relief you need. We work closely with you to tailor a solution that fits your unique situation, ensuring you have the support required during challenging times.

Vehicle Financing Options

If you're thinking about purchasing a vehicle, our auto loans and vehicle financing services are here to help. Picture yourself driving away in a new car without breaking the bank! Our flexible loan terms make it easier for you to budget while securing the transportation you need.

Digital & Online Banking

Accessibility & Support

Whether you're tech-savvy or just starting out with online banking, our services are built with you in mind. With real-time account management at your fingertips, keeping track of your finances has never been easier. And if you ever have questions or need assistance, our friendly team is just a phone call away at (800) 333-7713. Experience the ease and security of digital banking with United Poles today! Visit us online at https://www.unitedpolesfcu.com/ to get started on managing your finances from anywhere.

Key Features

One of the standout features is our electronic signature authorization. This means you can complete transactions quickly without needing to visit a branch, saving you time and hassle. Plus, we offer e-statements for those who prefer a paperless option keeping your financial information organized and easy to access. For those who enjoy using their phones for everyday tasks, our mobile application is readily available. You can take advantage of person-to-person transfers, allowing you to send money to friends or family with just a few taps on your screen. While mobile payments are not currently offered, our app still provides robust features that make banking simple and efficient.

Financial Strength

At United Poles, 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 believe that a solid financial foundation is essential for providing the best services to our community. With a net worth of $4,541,735, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 731 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 $19,150,963 in share certificates and $1,040,147 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $4,195,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $4,301,161 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our capacity supports members' financial goals across various sectors with $8,300,983 in used auto loans and a total of $50,423,397 in loans and leases. Our operational efficiency is reflected in our net income of $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 8 full-time employees and 1 part-time employee, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Total Share Accounts: 8,113, 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, United Poles is your trusted partner. Visit us at 412 New Brunswick Ave Perth Amboy NJ 08861 or call 800-333-7713 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 $8,300,983 in used vehicle loans and $3,665,886 in new vehicle loans already helping members get on the road. We provide competitive interest rates and flexible terms to make car ownership more accessible than ever.

Credit Lines

For those who need access to funds on an as-needed basis, our total credit lines amount to $3,817,119. These lines provide you with the flexibility to borrow only what you need when you need it.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $5,043,935, make buying or refinancing simple. We are committed to helping you navigate the complexities of home financing so that you can secure the home of your dreams.

Refinancing Options

If you're considering refinancing your current loans or exploring eligibility options for our various loan products, our team is ready to assist you in determining the best path forward based on your unique situation. All performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At United Poles, we prioritize transparency and member satisfaction. Our diverse loan offerings ensure that whether you're financing a vehicle or planning for a major purchase like a home, you have reliable options available to meet your needs.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $1,009,054 in loans helping members manage their finances effectively. Our credit cards come with competitive rates and rewards programs designed to fit your spending habits.

Loan Aggregator

Benefits of Using LendMesh

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How LendMesh Ensures 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 ensures that all offers presented are not only accurate but also fair and transparent. Users can trust that they are viewing legitimate loan options from credible financial institutions.

United Poles