Upstate Telco Credit Union Gloversville NY | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Upstate Telco, your trusted financial partner located at 137 Harrison St, Gloversville, NY 12078. Established in 1956, we have proudly served our community for decades, building strong relationships with our 449 members. Our commitment to providing personalized financial solutions is reflected in our impressive assets totaling $4,288,229 and deposits reaching $860,150. At Upstate Telco, we understand that each member's financial journey is unique. That's why we offer a range of services from checking and savings accounts to auto loans and mortgage refinancing. With a dedicated team of just 2 employees, led by our CEO Barbara Insognia and Board President Lynne Rubscha, we are focused on ensuring every member feels valued and supported. While you can visit us at our branch for all your banking needs, please note that official correspondence should be sent to the same address: 137 Harrison Street, Gloversville, NY 12078. We encourage you to explore how our services can help you achieve your financial goals while contributing to the growth of our vibrant community. With total loans reaching 84 and a net worth of $614,990, Upstate Telco stands as a solid pillar in Gloversville's financial landscape. Our focus on community impact ensures that we are not just a credit union but a part of your life. Feel free to reach out to us at 518-773-6548 during our operating hours: Monday through Thursday from 9:00 AM to 3:00 PM, and Friday from 8:00 AM to 3:00 PM. We invite you to visit our website at upstatetelcofcu.org for more information about membership eligibility and services. Join us today and experience the difference with Upstate Telco where your financial success is our mission!

Branch History & Mission

At Upstate Telco, we take pride in our rich history and unwavering commitment to our community. Established in 1956, our branch has been a cornerstone of financial support for Gloversville, NY, and its surrounding areas. Over the years, we've grown alongside our members, adapting to their needs while maintaining a strong focus on community service and member satisfaction. Located at 137 Harrison St, Gloversville, NY 12078, Upstate Telco is not just a financial institution; it's a trusted partner in your journey toward financial wellness. Our dedicated team works hard to provide personalized banking solutions that empower individuals and families to achieve their dreams. We believe in fostering lasting relationships with our members after all, you are the heart of what we do. With a total membership of 449 individuals and total assets reaching $4,288,229, we have built a solid foundation based on trust and reliability. Our mission is clear: to deliver exceptional financial services while actively contributing to the betterment of our local community. This includes offering various personal banking options such as checking and savings accounts, auto loans, mortgage loans, and business banking services. Our operating hours are designed with your convenience in mind Monday through Thursday from 9:00 AM to 3:00 PM and Friday from 8:00 AM to 3:00 PM. While we currently do not offer ATM or drive-thru services, we have a shared service center available for basic transactions with partner credit union members. Upstate Telco is committed to digital advancements that enhance your banking experience. We offer online banking and mobile applications so you can manage your finances anywhere, anytime. Our focus on accessibility ensures that all members can benefit from our services regardless of their needs. In addition to providing top-notch financial products, we pride ourselves on being an active part of the Gloversville community. We engage in various outreach efforts and partnerships that support local initiatives and foster growth within our neighborhoods. While members can visit us at 137 Harrison St, official correspondence should be sent to 137 Harrison Street, Gloversville, NY 12078 if different from our branch address. We invite you to join us at Upstate Telco and experience firsthand the benefits of being part of a member-focused credit union. Together, we can achieve great things for your financial future and strengthen our community ties. If you're ready to take the next step or learn more about membership options, please call us at 518-773-6548 or visit our website at Upstate Telco. Let's work together toward your financial goals!

Branch Location & Accessibility

Convenient Access

At Upstate Telco, we prioritize your convenience. Our branch is easily accessible, featuring ADA-compliant entrances and ample parking for all members. Whether you're stopping by for a quick transaction or a detailed discussion about your financial needs, we aim to make your visit as smooth as possible. While our main location is at 137 Harrison St, official correspondence can be sent to the same address for clarity.

Get in Touch!

Have questions or need assistance? Give us a call at 518-773-6548! Our team is eager to help you navigate your financial journey. We invite you to visit us soon and discover how Upstate Telco can support your goals!

Operating Hours

We understand that life gets busy! That's why we offer flexible hours to fit your schedule. Visit us Monday through Thursday from 9:00 AM to 3:00 PM, and on Fridays from 8:00 AM to 3:00 PM. Our friendly staff is ready to assist you during these hours with all your banking needs.

Services Offered

At Upstate Telco, we offer a range of services designed with you in mind. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. If you're a member of another credit union, don't forget about our shared service center that allows basic transactions such as deposits and withdrawals.

Member Eligibility

At Upstate Telco, we believe that becoming a member is like joining a caring community where you can thrive financially. If you're looking to enjoy personalized services and great benefits, you're in the right place! Membership is open to anyone who lives, works, worships, or attends school in Fulton County and surrounding areas. We also welcome family members of current members, making it easy for your loved ones to join too. For more specific details about eligibility, please check out our website at http://www.upstatetelcofcu.org/membership.htm. Opening an account with us is straightforward and welcoming. You can easily find the information you need to get started by visiting http://www.upstatetelcofcu.org/rates.htm. If you have any questions or need assistance, feel free to give us a call at (518) 773-6548. We're here to help you take this exciting step toward financial well-being at Upstate Telco, located at 137 Harrison St Gloversville Ny 12078.

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 $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.

Merchant Services

Imagine having a reliable payment processing system that keeps your cash flow smooth and your customers happy. Our merchant services simplify transactions, allowing you to focus on what you do best running your business. Whether you're a local shop or a service provider, we have the tools to help you manage payments efficiently. Located at 137 Harrison St Gloversville Ny 12078 in Gloversville, NY, we're here to support your business every step of the way. Connect with us today at (518) 773-6548 to explore how our business banking and commercial services can empower your success!

Comprehensive List Of Services

ATM & Shared Branch Transactions

While we currently do not have ATMs on-site, our members can easily access cash through partner networks. We also offer basic shared branch transactions for deposits and withdrawals if you're part of other credit unions making it convenient for you whether you're at home or traveling.

Business Banking

For entrepreneurs and business owners, Upstate Telco provides specialized business banking services. From merchant services that simplify payment processing to business loans for expansion or operational needs, we are here to support your business's growth every step of the way.

Contact Us

We invite you to explore these services and see how they can benefit you. If you have any questions or need assistance, please don't hesitate to reach out at 518-773-6548 during our lobby hours: Monday through Thursday from 9:00 AM to 3:00 PM and Friday from 8:00 AM to 3:00 PM. At Upstate Telco, we're dedicated to providing comprehensive financial solutions tailored just for you. Discover more about how we can assist in achieving your financial goals by visiting us online at Upstate Telco. Your journey towards better banking starts here!

Credit Cards & Rewards

Don't forget about rewarding yourself with our credit cards with rewards! These cards not only provide convenience but also give you benefits that can enhance your spending power while earning rewards on everyday purchases.

Online & Mobile Banking

In today's fast-paced world, having access to your finances anytime is crucial. That's why we offer robust online and mobile banking features. You can check balances, transfer funds, and manage your accounts with ease from anywhere, ensuring you're always in control of your money.

Personal Banking

Whether you're opening your first checking account or looking for ways to save for a big purchase, our personal banking services have you covered. With checking and savings accounts, managing your day-to-day finances is simple and straightforward. If you're considering buying a new car, our auto loans and vehicle financing options can help you get behind the wheel without breaking the bank. For those planning to buy a home, our mortgage loans and refinancing services are tailored to guide you through this significant investment. And if you're facing unexpected expenses or want to consolidate debt, our personal loans offer flexible solutions that fit your unique situation.

Digital & Online Banking

Key Features

One of the standout features of our online banking service is its user-friendly interface. You can easily check your account balances, transfer funds, and view transaction history with just a few clicks. We also support electronic signature authorization, making it simple for you to complete transactions without the need for paper forms. While we currently do not offer e-statements or mobile payments, our robust mobile application allows you to access all essential banking functions right from your smartphone. Whether you're at home or on the go, you can stay connected with your finances. For those looking to send money to friends or family, we currently do not have a person-to-person transfer option. However, our online platform is always evolving, so keep an eye out for future updates!

Security and Support

Your security is our top priority. Our online banking system uses advanced encryption technology to keep your personal information safe. Plus, if you ever need assistance, our dedicated team is just a phone call away at (518) 773-6548. In summary, digital banking at Upstate Telco offers the convenience and security you deserve. Experience real-time account management and easy access to all your banking needs today!

Financial Strength

Conclusion

Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Upstate Telco is your trusted partner. Visit us at 137 Harrison St Gloversville Ny 12078 or call (518) 773-6548 to learn more about how we can help you achieve your financial goals.

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. Their dedication ensures that every interaction you have with us is positive and supportive. With a total of 684 showing a strong and growing member base that trusts us with their finances, you can feel secure knowing you're part of a vibrant community focused on mutual success.

Lending Capacity

Our commitment to supporting your financial goals is evident through our lending capacity. With $3 in used auto loans and $1,053,980 in total loans and leases, we provide flexible financing options tailored to meet your needs. Our operational efficiency is reflected in our $9,979, enabling us to continue offering competitive loan rates and solid financial products for our members. This income helps us invest back into the credit union for improvements that directly benefit you.

Member Savings and Investments

Members' savings are secured through $0 in share certificates and $0 in money market shares, offering stable and rewarding financial growth opportunities. These options provide our members with various ways to save while earning competitive returns on their investments. 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. In addition to these strengths, we have $474,080 in undivided earnings, which allows us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better.

Our Financial Health

With a net worth of $614,990, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. This robust net worth reflects our commitment to serving our members effectively while maintaining the resources necessary for future growth. Our net worth ratio of 14.34% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. This ratio highlights our ability to absorb potential losses and remain stable in the face of challenges.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $37,122 in used vehicle loans and $640,906 in new vehicle loans already helping members get on the road. We provide flexible financing options whether you're interested in new or used vehicles. Our team can assist you in exploring refinancing options if you're looking to lower your current payments or adjust your loan terms.

Credit Lines

For those needing additional flexibility, our credit lines totaling $170,000 allow for easier management of cash flow and unexpected expenses. This option can be ideal for members looking for peace of mind when it comes to financial planning. Our friendly staff is here to help you navigate through your options and find the best solution for your situation. If you have any questions or would like more information on eligibility requirements and how to apply, please don't hesitate to contact us at 518-773-6548 or visit us at 137 Harrison St., Gloversville, NY 12078. 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 serving you and helping you achieve your financial dreams!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. Although we currently do not have Junior Lien 1-4 Family Residential Properties loans available at this time, we encourage you to reach out for information on future offerings or other alternatives that may suit your needs.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, helping members manage their finances effectively. While we currently do not have any unsecured credit card loans issued yet, keep an eye on our offerings as they may become available soon.

Loan Aggregator

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UPSTATE TELCO FEDERAL CREDIT UNION - Gloversville, NY

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