Upstate Milk Employees Credit Union Lancaster NY | Best Auto Loans & Business Banking

Introduction

Welcome to Upstate Milk Employees, your trusted partner in financial services since 1971. Located at 368 Pleasant View Dr, Lancaster, NY 14086, we are dedicated to serving our community with integrity and care. With a robust membership of 473 individuals, we pride ourselves on being a reliable source for personal and business banking needs. Our credit union boasts total assets of $2,568,415 and total deposits amounting to $366,850, reflecting our commitment to fostering financial stability among our members. Under the leadership of CEO Gail Fronczak and Board President Eric Place, our team of just 2 employees is here to ensure that you receive personalized service tailored to your unique financial goals. While members can visit us at our branch address, official correspondence should be sent to our mailing address: PO Box 268, Lancaster, NY 14086-0268. Whether you're looking for auto loans or mortgage refinancing options, we offer a variety of services designed with you in mind. Join us as we continue to strengthen our community ties and support your financial journey. Feel free to reach out by calling us at 716-332-5337 during our operating hours from Monday to Friday, 10:00 am - 3:00 pm. We look forward to helping you achieve your financial dreams!

Branch History & Mission

Community Focus

We take pride in being more than just a financial institution; we strive to be an integral part of the Lancaster community. Our partnerships with local organizations help us reach those in need and contribute positively to various initiatives around town. Through these outreach efforts, we aim to foster a sense of belonging among our members while also helping them achieve their financial goals. As we continue to evolve with technology and member needs, we're dedicated to maintaining ADA compliance and ensuring accessibility for everyone who visits us. Although we're not yet offering online banking or mobile payments, we're actively exploring ways to enhance your experience with us in the future. In closing, we invite you to join Upstate Milk Employees and discover the many benefits that come from being a part of our family-oriented credit union. Experience personalized service that puts your financial well-being first! Call us today at 716-332-5337 or visit us at 368 Pleasant View Dr we look forward to serving you!

Our Mission

At Upstate Milk Employees, our mission goes beyond providing traditional banking services. We aim to support and uplift our community through responsible financial practices and personalized service. Our total assets currently stand at an impressive $2,568,415, reflecting the trust and investment of our members. We offer a range of services including checking and savings accounts, auto loans, mortgage refinancing, personal loans, credit cards with rewards, and business banking solutions. Our operating hours are designed to fit your schedule; we are open Monday through Friday from 10:00 AM to 3:00 PM. While we currently do not offer ATM or drive-thru services, we ensure that every visit to our branch feels welcoming and valuable.

Branch Location & Accessibility

Accessibility and Features

Our branch is designed with accessibility in mind. We have features like ramps for easy entry and plenty of parking space available, ensuring everyone can visit us without hassle. Although we currently do not offer ATM or drive-thru services, our lobby hours are tailored to fit your schedule. You can visit us Monday through Friday from 10:00 AM to 3:00 PM.

Connect with Us

Whether you're looking for personal banking solutions like checking and savings accounts or exploring options for auto loans and mortgages, our team is here to help you every step of the way. If you have any questions or need assistance, feel free to give us a call at 716-332-5337. While members can visit us at 368 Pleasant View Dr for all your banking needs, official correspondence should be sent to PO Box 268, Lancaster, NY 14086-0268 if necessary. We invite you to stop by and discover how Upstate Milk Employees Credit Union can help you achieve your financial goals!

Member Eligibility

At Upstate Milk Employees, we believe that becoming a member means joining a caring community that supports your financial journey. If you're looking to be part of something special, it's easy to see if you qualify! Membership is open to anyone who works for or is affiliated with the Upstate Milk company, along with their family members. This means that if you have a loved one in the mix, they can also benefit from our services. To learn more about the specific eligibility requirements, feel free to check out our detailed guidelines [here]( ). Once you're ready to take the next step, opening an account is straightforward and welcoming. You'll find personalized services designed to meet your needs, whether it's savings accounts, loans, or other financial products tailored just for you. If you have any questions or want to get started today, don't hesitate to give us a call at (716) 332-5337. We're excited to help you join our community at Upstate Milk Employees, located at 368 Pleasant View Dr Lancaster Ny 14086!

Business Banking & Commercial Services

Financing Your Dreams

Imagine having the financial backing to launch that new product line or renovate your storefront. Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. While we currently offer a robust suite of services tailored to meet your needs, we are eager to assist in financing opportunities when they arise. With flexible options for both members and non-members, you can feel confident knowing there's a path forward for your business aspirations. We're here to provide the necessary resources that can help turn your visions into reality.

Merchant Services Made Easy

In today's competitive market, efficient payment processing is essential. Our merchant services ensure that transactions are smooth and secure, allowing you to focus on what matters most your customers. Imagine effortlessly accepting payments through various channels, all while providing a seamless experience for those who support your business. Located conveniently at 368 Pleasant View Dr Lancaster Ny 14086, Lancaster, NY, our team is ready to guide you through our offerings and help you find the right solutions tailored specifically for your business needs. Don't hesitate to reach out at (716) 332-5337; we're here from Monday to Friday, 10:00 AM - 3:00 PM. Let's work together towards building a brighter future for your business!

Comprehensive List Of Services

Convenient Digital Access

In today's busy world, convenience is key. That's why we are proud to offer online and mobile banking services that allow you to manage your accounts from anywhere at any time. Need to check your balance while out running errands? Want to transfer funds from the comfort of your couch? With our digital banking features, managing your finances has never been easier.

Join Us Today!

Whether you're a first-time member or looking for a new place to bank, Upstate Milk Employees is ready to assist you with all these services and more. Don't hesitate to reach out at 716-332-5337 for any questions or visit us during our lobby hours from 10:00 AM to 3:00 PM, Monday through Friday. We're excited to help you achieve all of your financial goals!

Personal Banking Solutions

We understand that managing personal finances can be challenging. That's why we offer checking and savings accounts designed to help you achieve your financial goals. With our competitive rates and easy account management options, saving for that special vacation or planning for unexpected expenses becomes much more manageable. For those in need of financing, our auto loans and vehicle financing options make purchasing a new or used car simple and accessible. Imagine driving off in your dream car without the stress of complicated loan terms our clear and friendly approach ensures you're informed every step of the way. If you're considering buying a home or refinancing your current mortgage, our mortgage loans provide flexible terms to fit your budget. We are here to guide you through the process, making it easier to secure the perfect home for you and your family. Additionally, if life throws unexpected challenges your way, our personal loans can provide the financial relief you need. Whether it's debt consolidation or funding a significant purchase, we've got solutions that work for you.

Rewards & Business Banking

Don't forget about rewards! Our credit cards with rewards allow you to earn points on everyday purchases turning shopping into opportunities for travel or cash back. For entrepreneurs, we offer comprehensive business banking services, including merchant services and business loans. Let us support your business journey so you can focus on what matters most: growing your enterprise.

Digital & Online Banking

Convenient Online Access

While our online banking services are not currently available, we are committed to enhancing your banking experience in the future. We're always looking for ways to improve our offerings, ensuring that when you do have access, it will be user-friendly and secure.

Mobile Features

Currently, we do not offer mobile payments or a dedicated mobile application. However, we know how important it is for members to manage their finances on-the-go, and we are exploring options to introduce these features soon.

Security First

Your security is our top priority. Although we don't yet provide features like electronic signature authorization or e-statements, rest assured that when these services become available, they will meet the highest standards to protect your sensitive information.

Transfer Made Easy

You might be wondering about person-to-person transfers; while this feature isn't available at the moment either, we're working hard to provide you with convenient options in the future. We invite you to stay tuned for updates about new digital banking features that will make managing your money easier than ever. If you have any questions or need assistance, please don't hesitate to reach out to us at (716) 332-5337. Your financial well-being is our mission, and we're here to help!

Financial Strength

Commitment to Member Savings

Members' savings are secured through our commitment to safety and growth. While we currently have no share certificates or money market shares available, our focus remains on maximizing the resources we have to benefit you directly. Unlike traditional banks, we prioritize our members over profits. This means our efforts are concentrated on delivering better loan rates and exclusive perks designed just for you.

Dedicated Team

We also take pride in having 1 full-time employees and 1 part-time employees who are always ready to serve you with a knowledgeable, committed team. Together, we ensure that every visit to Upstate Milk Employees is met with friendly faces and expert assistance.

Growing Trust

The strength of our operations is evident in the total number of share accounts 583 showing that more members trust us with their finances every day. This growing community reaffirms our mission to provide reliable banking services tailored specifically for you. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Upstate Milk Employees is your trusted partner. Visit us at 368 Pleasant View Dr Lancaster Ny 14086 or call (716) 332-5337 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.*

Lending Capacity

Our lending capacity supports members' financial aspirations across various sectors. Currently, we have $38 in used auto loans and a total of $999,673 in loans and leases available for those looking to finance their dreams.

Operational Efficiency

Our financial performance reflects operational efficiency with a net income of $0. This allows us to continue offering competitive loan rates and solid financial products tailored for our members.

Reinvesting for Your Benefit

With $243,256 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. We understand that your financial goals are important, and we're here to support them.

Strong Financial Health

With a net worth of $243,256, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $947 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

Additional Loan Services

For those who need additional financial flexibility, we also provide personal loans and debt consolidation options tailored to individual circumstances. If you're interested in refinancing your existing loans or would like information on eligibility options, please don't hesitate to reach out. Our commitment is to guide you through your borrowing journey with clear terms and transparent processes. You can reach us at (716) 332-5337 for more details or visit us at our branch located at 368 Pleasant View Dr, Lancaster NY 14086 during our operating hours from Monday to Friday between 10:00 am and 3:00 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. Explore our diverse loan offerings today and find the right solution for your financial needs!

Auto Loans

Looking to buy a new car? Our auto loans provide some of the lowest rates in the industry. We've already issued $450,260 in used vehicle loans and $316,363 in new vehicle loans to help our members get on the road with confidence. Whether you're interested in financing a brand-new model or a reliable pre-owned vehicle, we've got options that can fit your budget.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. Although we currently do not have any Junior Lien 1-4 Family Residential Properties loans available, we encourage you to check back as our offerings may change. We are dedicated to providing support as you navigate the home buying process.

Unsecured Credit Card Loans

Managing finances effectively is crucial. We offer flexible terms on unsecured credit card loans, which total $0 at this time; however, we are here to assist you when you're ready to take that step towards building your credit history.

Loan Aggregator

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Reliable Data Sources

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 users receive fair and transparent offers, making it easier to find the right loan for their needs.

UPSTATE MILK EMPLOYEES FEDERAL CREDIT UNION - Lancaster, NY