United Teletech Financial Neptune NJ Credit Union | Affordable Vehicle Loans & Business Banking

Introduction

At United Teletech Financial, we believe that strong communities are built on trust and collaboration. Located at 3636 State Route 33, Neptune, NJ 07753, our branch has been a cornerstone of financial support since 1967. With over 18,700 members and assets totaling an impressive $332,435,549, we are dedicated to providing our community with the services they need to thrive. Our commitment to you goes beyond just numbers; we offer a wide range of services including personal banking, auto loans, mortgages, and business banking. Whether you're looking to open a checking account or secure financing for your next vehicle, we're here to help. Our experienced team of 63 employees, led by CEO Leo Ardine and Board President Michael Hou, is always ready to assist you with personalized service. While members can visit us at our branch for all their financial needs, official correspondence should be sent to the same address: 3636 State Route 33, NEPTUNE, NJ 7753. We understand that convenience is key in today's fast-paced world. That's why we also provide online and mobile banking options, ensuring that your finances are just a click away. With total deposits reaching $2,917,860 and a net worth of $28,527,858, we continue to strengthen our position as a trusted financial partner in the community. Our focus on member satisfaction and community impact drives everything we do. Ready to take the next step toward your financial goals? Visit us today or give us a call at 732-530-8100. We look forward to serving you!

Branch History & Mission

Commitment to Innovation

We are dedicated to staying ahead in today's fast-paced world by embracing digital advancements. With features like online banking, mobile payments, and ATM availability right here at our branch, we ensure that your banking experience is both convenient and secure. Our drive-thru service allows for quick transactions without needing to leave your vehicle. As part of our commitment to accessibility, we ensure that all our services are ADA compliant. Whether you're looking for straightforward banking solutions or complex financial advice, we invite you to explore what United Teletech Financial can offer.

Join Us!

If you're looking for a credit union that values community involvement as much as it does financial growth, consider joining United Teletech Financial today! With operating hours from 9:00 AM - 4:00 PM, feel free to give us a call at 732-530-8100 or visit us in person. Experience the benefits of being part of a financial family that truly cares about its members' success!

Our Journey

Since opening our doors more than five decades ago, United Teletech Financial has evolved significantly. We have witnessed tremendous growth, reflected in our total assets of over $332 million. This growth is not just about numbers; it represents the trust and loyalty of our members who believe in our mission to provide accessible financial services. As we expanded, we focused on adding value through diverse products such as personal banking, auto loans, mortgages, and business banking solutions. Our headquarters are located in Tinton Falls, NJ, but our impact resonates throughout Monmouth County and beyond. We strive to be more than just a credit union; we aim to be an integral part of the community. Over the years, we have built partnerships with local organizations to support various outreach efforts that enhance the quality of life for residents.

Our Mission

At United Teletech Financial, our mission is simple yet powerful: We exist to empower our members financially while fostering a sense of community. We understand that each member's journey is unique, which is why we offer personalized service tailored to individual needs. From basic checking accounts to comprehensive loan options and mobile banking solutions, our goal is to make banking easier and more accessible. While members can visit us at 3636 State Route 33, official correspondence should be sent to 3636 State Route 33, NEPTUNE, NJ 7753 if you need assistance through mail.

Branch Location & Accessibility

Welcome to United Teletech Financial, conveniently located at 3636 State Route 33 in Neptune, NJ. This branch is not just a spot to handle your banking needs; it's a friendly hub designed with you in mind. Whether you're stopping by for personal banking or simply need to access an ATM, our location makes it easy for you to get the services you need. Nestled in Monmouth County, our branch is close to popular landmarks like the vibrant Jersey Shore area and the bustling local shops that make Neptune a great place to live and work. Parking is readily available, ensuring that your visit is hassle-free. Plus, we are committed to accessibility, featuring ADA-compliant entrances and ramps so everyone can feel welcome. Our doors are open Monday through Friday from 9:00 AM to 4:00 PM, making it simple for you to fit us into your busy schedule. If you're looking for a quick transaction or need assistance with more complex services like loans or accounts, we've got you covered with our drive-thru banking option for convenience. At United Teletech Financial, we offer a wide range of services tailored to meet your needs, including checking and savings accounts, auto loans, mortgages, and more. Our shared service center also allows members from partner credit unions to easily conduct transactions right here at our branch. If you have questions or want to learn more about what we offer, don't hesitate to give us a call at 732-530-8100. We invite you to come visit us at our Neptune location where your financial well-being is our priority!

Member Eligibility

At United Teletech Financial, we believe that becoming a member is about joining a caring community that supports your financial journey. If you're interested in opening an account with us, the good news is that eligibility is quite inclusive! Whether you live, work, worship, or attend school in the area around 3636 State Route 33 Neptune Nj 07753, you likely qualify to join our family. We welcome individuals who share our values and are looking for a supportive place to manage their finances. To learn more about the specific criteria and see if you qualify, feel free to check out our detailed eligibility information here. Once you're ready to take the next step, opening an account at United Teletech Financial is simple and straightforward. Our friendly team is here to help guide you through the process so you can start enjoying all the benefits of membership, like personalized service and competitive rates. If you have any questions or need assistance, don't hesitate to call us at (732) 530-8100. We're excited to welcome you into our community!

Business Banking & Commercial Services

Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $54 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $45 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $17,244,190, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

Imagine having the tools you need to manage transactions easily and efficiently. Our merchant services are designed to simplify payment processing, allowing you to focus on what matters most growing your business. Whether it's accepting credit card payments or managing online sales, we've got you covered. Visit us at 3636 State Route 33 Neptune Nj 07753 in Neptune, NJ or give us a call at (732) 530-8100 to explore how our business banking and commercial services can empower your enterprise!

Comprehensive List Of Services

Business Banking Solutions

For small business owners, we have tailored services under our business banking category. Our merchant services allow businesses to accept payments easily while our business loans support growth and expansion initiatives.

Community Focus

At United Teletech Financial, we believe in serving not just individual members but also fostering relationships within our community. Through our shared branch transactions, members from partner credit unions can easily deposit or withdraw funds here, making banking accessible for everyone. We invite you to visit us at our Neptune branch or check out our website at utfinancial.org to explore all of our offerings further. Our friendly staff is ready to assist you in achieving your financial goals come see how we can help!

Digital Convenience

In an age where convenience is key, we pride ourselves on offering robust online and mobile banking features. You can manage your accounts anytime, anywhere whether it's checking balances, transferring funds, or making payments from your smartphone or computer. We also provide essential services like ATM access, allowing quick cash withdrawals or balance checks whenever necessary. Our basic drive-thru banking enables members to conduct simple transactions like deposits and withdrawals without leaving their vehicles.

Loans and Credit Options

In today's world, unexpected expenses can arise at any moment. Our personal loans and debt consolidation options provide quick access to funds when you need them most. This service allows members to simplify their finances by combining multiple debts into one manageable payment. Additionally, we offer credit cards with rewards, which let you earn points on everyday purchases. This way, your spending works for you, providing benefits that can enhance your lifestyle.

Personal Banking

We understand that managing your money should be straightforward and rewarding. That's why we offer various checking and savings accounts that suit different lifestyles and financial goals. Whether you're saving for a rainy day or planning for a big purchase, our accounts provide the flexibility and support you need. If you're looking to finance a new vehicle, our auto loans and vehicle financing options make it easy to drive away in your dream car without breaking the bank. Our team is here to guide you through the process so you can secure an affordable loan with favorable terms. For those contemplating home ownership or refinancing their current mortgage, our mortgage loans come with competitive rates and personalized advice. We will help you navigate the often complex mortgage process, ensuring you find the best fit for your situation.

Digital & Online Banking

Accessibility and Security

Security is at the heart of everything we do at United Teletech Financial. We utilize advanced security measures to protect your personal information while ensuring that our services remain user-friendly. Our goal is to provide an accessible banking experience that fits into your lifestyle. In summary, with the digital banking services offered at United Teletech Financial, managing your finances is not only easy but also safe and efficient. Experience the freedom of real-time account management today!

E-Statements and Mobile Features

Say goodbye to paper clutter with our e-statements. Enjoy instant access to your financial statements whenever you need them, making it simple to track your spending and manage your budget. And for those who prefer banking at their fingertips, our mobile application puts everything you need right in your pocket. Whether you're looking to make a quick purchase using mobile payments or send money to friends through person-to-person transfers, our features cater to all your needs. You can quickly make payments or send money without the hassle of cash or checks just a few taps on your screen.

Financial Strength

A Growing Member Base

Total Share Accounts stand at 36,016, showing a strong and growing member base that trusts us with their finances. With Net Shares available for lending and investments amounting to $0, we are well-positioned to support your needs. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, United Teletech Financial is your trusted partner. Visit us at 3636 State Route 33 Neptune Nj 07753 or call (732) 530-8100 to learn more about how we can help you achieve your financial goals.

Commitment to Growth

Our focus on growth is reflected in our $27,442,403 in undivided earnings. This allows us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. With $1,898 in used auto loans and $245,706,971 in total loans and leases, our lending capacity supports your financial goals across various sectors.

Member-Centric Savings

Your savings are secured through $42,734,475 in share certificates and $50,572,051 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $14,108,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our $0 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 62 full-time employees and 1 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Solid Financial Foundation

With a net worth of $28,527,858, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $858 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. We have already issued $37,796,000 in total auto loans, including $21,222,910 for new vehicle loans and $37,151,266 for used vehicle loans. This means you can drive away with confidence knowing that you have a financing option that fits your budget.

Business Loans

For business owners looking to grow their operations, we offer outstanding commercial loans totaling $17,244,190. These funds can help you expand your business or cover necessary expenses without breaking the bank.

Credit Card Loans

We also provide flexible terms on unsecured credit card loans. With a total of $3,549,156 in loans available, our credit cards can assist members in managing their finances effectively while enjoying rewards and benefits.

Eligibility and Refinancing

We recognize that many members may have questions regarding eligibility and refinancing options. Our dedicated staff is here to provide personalized assistance and ensure that you find the right loan solution for your circumstances. For more information about our loan offerings or to speak with one of our friendly representatives about your options, please visit us at our branch located at 3636 State Route 33 Neptune NJ 07753, or give us a call at 732-530-8100 during our operating hours from 9:00 AM - 4:00 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 navigate your financial journey!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing straightforward. We offer Junior Lien 1-4 Family Residential Properties loans totaling $110,052,739. Whether you are purchasing your first home or refinancing an existing mortgage, our team is here to help guide you through the process.

Loan Aggregator

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UNITED TELETECH FINANCIAL FEDERAL CREDIT UNION - Neptune, NJ