USSCO Johnstown Credit Union Ebensburg PA | Affordable Auto Loans & ATM Services

Introduction

Welcome to Ussco Johnstown, your trusted financial partner located at 169 Mini Mall Rd, Ebensburg, PA 15931. Since our establishment in 1958, we have been dedicated to serving our community and fostering financial well-being among our 14,205 members. With total assets of $165,718,876 and total deposits reaching $7,784,569, we are proud to offer a range of services tailored to meet your personal and business banking needs. Under the leadership of CEO Gregory Sisitki and Board President Brian Keiper, our team of 35 employees is committed to ensuring that you receive the best possible experience when you bank with us. Our dedication to our members is evident in our strong financial health, highlighted by a net worth of $19,662,619 and cash in hand totaling $1,164,228. While you can visit us at our branch for all your banking needs, please remember that any official correspondence should be directed to the same address: 169 Mini Mall Rd, Ebensburg, PA 15931. At Ussco Johnstown, we understand that every member's financial journey is unique. Whether you're looking for personal banking options like checking accounts and auto loans or business solutions including merchant services and business loans, we're here to guide you every step of the way. With a total loan portfolio of 6,158 loans and leases, we have helped countless individuals achieve their financial goals. Explore our services online at usscofcu.org or give us a call at 814-472-0615 during our operating hours Monday through Thursday from 9 AM to 4:30 PM and Friday from 9 AM to 6 PM. We invite you to visit us today and discover how Ussco Johnstown can help you thrive financially!

Branch History & Mission

Community Focus

In today's digital world, we've embraced technology while ensuring that accessibility remains a priority. Our online banking platform allows members to manage their finances anytime, anywhere. We are also proud of our ADA-compliant facilities that ensure everyone can access our services comfortably. As we look back on our history, we're excited about the future. With ongoing improvements and innovations aimed at better serving you, we invite you to join us at Ussco Johnstown. Experience firsthand how we can help you achieve your financial goals while being an active part of this vibrant community. Ready to become part of something special? Visit us today or explore our services online at usscofcu.org. Together, let's build a brighter future!

Our Mission

At Ussco Johnstown, our mission is clear: we aim to empower our members with exceptional financial services while fostering a sense of community. We understand that each member's journey is unique, which is why we offer a variety of products and services tailored to meet diverse needs from personal banking options like checking and savings accounts to auto loans and mortgages. We also believe in giving back. Our partnerships with local organizations and outreach initiatives focus on enhancing the quality of life in Ebensburg and surrounding areas. Whether it's sponsoring local events or providing financial education workshops, we strive to make a positive impact in the lives of our members and neighbors.

Branch Location & Accessibility

Easy Access and Amenities

Our branch is designed with your comfort in mind. We offer ample parking so you can park with ease when you visit. Plus, our facilities are ADA compliant, ensuring accessibility for everyone. Although we don't have a drive-thru service, we invite you to come inside where our friendly staff is ready to assist you with any banking needs.

Get in Touch!

Have questions or want more information? Don't hesitate to call us at 814-472-0615. We're excited to help you on your financial journey! Visit us today at Ussco Johnstown your trusted partner in banking.

Operating Hours That Fit Your Schedule

We know that life can get busy! That's why we're open Monday through Thursday from 9 AM to 4:30 PM and on Fridays until 6 PM. Whether you're stopping in for personal banking services or need assistance with loans and credit cards, we're here when you need us.

Services Tailored for You

At Ussco Johnstown, we offer a range of services tailored to meet your financial needs. From checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. Plus, our ATM is available for your convenience perfect for quick cash withdrawals or balance checks whenever you need them. If you're looking for personalized service combined with the latest banking solutions, you've come to the right place! Our team is dedicated to helping you achieve your financial goals.

Member Eligibility

At Ussco Johnstown, we believe that everyone deserves a chance to be part of a caring and supportive community. Becoming a member is easy and welcoming! If you live, work, or attend school in the area, you're likely eligible to join us. We also welcome family members of existing members, so you can share the benefits with your loved ones. Once you're part of our family, you'll enjoy personalized financial services tailored just for you, including competitive loan rates and excellent savings options. To learn more about eligibility requirements, visit us at . If you're ready to take the next step and open an account, it's a breeze! You can start the process online by visiting https://my.usscofcu.org/enroll or give us a call at (814) 472-0615 if you have any questions. We can't wait to welcome you to Ussco Johnstown at 169 Mini Mall Rd Ebensburg Pa 15931!

Business Banking & Commercial Services

Merchant Services That Work for You

Imagine a payment process that is as smooth as your operations. Our merchant services allow you to accept payments easily, giving your customers more ways to shop with you. Picture a local café using our point-of-sale systems to streamline orders and payments resulting in happier customers and increased sales. At Ussco Johnstown, located at 169 Mini Mall Rd Ebensburg Pa 15931, Ebensburg, PA, we are here to support your business every step of the way. Let us help you turn your vision into reality! For more information or to get started, call us at (814) 472-0615.

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $44 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 $2,816,648, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Banking Solutions

For small businesses, we offer comprehensive business banking services that include merchant services and business loans. Whether you're looking to expand your operations or just need some extra cash flow, we're here to help your business thrive.

Convenient Digital Banking

In today's fast-paced world, convenience is key. That's why we have robust online and mobile banking features available for all members. You can check balances, transfer funds, and pay bills right from your smartphone or computer anytime, anywhere! Our ATM services also provide basic access for withdrawals and balance checks, ensuring that your money is always within reach.

Let Us Help You Today!

With so many options available at Ussco Johnstown, it's easy to see why so many members trust us with their financial needs. Whether you're in need of personal banking services or require assistance with business finances, our dedicated team is ready to assist you. Ready to explore what we can do for you? Give us a call at (814) 472-0615 or visit us at 169 Mini Mall Rd Ebensburg Pa 15931 in Ebensburg, PA. We look forward to helping you achieve your financial goals!

Personal Banking Services

We offer a variety of personal banking options to help you manage your money effectively. Start with our checking and savings accounts that allow you to easily access your funds while earning interest. Need a new car? Our auto loans and vehicle financing options can help you drive off in style without breaking the bank. For those looking to buy a home, we provide mortgage loans and refinancing solutions that fit your financial situation. If you're facing unexpected expenses or need to consolidate debt, our personal loans are designed to give you peace of mind. And don't forget about our credit cards with rewards, perfect for making everyday purchases while earning points or cash back.

Digital & Online Banking

Key Features

With e-statements available, you can say goodbye to piles of paperwork. Enjoy the simplicity of viewing your account statements electronically, which not only saves time but is also environmentally friendly. Plus, if you ever need to send money to friends or family quickly, our person-to-person transfer feature allows for easy and instant payments. For those who prefer mobile banking, our dedicated mobile application is ready for download. This means you can manage your accounts while on the go whether it's making payments or keeping track of expenses right from your smartphone. And while we don't currently support mobile payments, our online services still provide a secure way to handle transactions. Security is a top priority at Ussco Johnstown. While we do not offer electronic signature authorization at this time, rest assured that all your information is protected through robust security measures. In summary, the digital and online banking services at Ussco Johnstown are tailored to meet your needs with ease and accessibility. Take control of your financial life today by exploring what we have to offer!

Financial Strength

A Growing Community

Total Share and Deposit Accounts: 29,735, showing a strong and growing member base that trusts us with their finances. This trust helps us build a community where your financial needs come first. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Ussco Johnstown is your trusted partner. Visit us at 169 Mini Mall Rd Ebensburg Pa 15931 or call (814) 472-0615 to learn more about how we can help you achieve your financial goals.

Committed to Growth

With $16,301,212 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our ability to provide support is further highlighted by having $2,777 in used auto loans and $82,117,500 in total loans and leases, which means we're here to help you achieve your financial goals across various sectors.

Member-Centric Savings

Members' savings are secured through $24,021,073 in share certificates and $6,911,246 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.

Proven Operational Efficiency

Our $695,609 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We take pride in having 30 full-time employees and 5 part-time employees who are always ready to assist you with their expertise and dedication.

Solid Financial Foundation

With a net worth of $19,662,619, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,185 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, with over $39,330,511 in used vehicle loans and $21,434,172 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive interest rates that make financing your vehicle straightforward and affordable.

Business Financing

For business owners, our outstanding commercial loans totaling $2,816,648 provide the capital needed to grow and expand. We understand that running a business comes with its own set of challenges, and having access to reliable funding can make all the difference. Whether you're interested in auto loans, mortgages, or credit lines, our team at Ussco Johnstown, located at 169 Mini Mall Rd Ebensburg Pa 15931, is ready to help you navigate your options. For more information or assistance, feel free to call us at (814) 472-0615 during our operating hours from Monday to Thursday 9 AM - 4:30 PM and Friday from 9 AM - 6 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. Let us support you in making informed financial choices that can enhance your life today!

Credit Lines and Personal Loans

For those looking for added flexibility, we offer credit lines totaling $20,995,000. These can be a great way to manage unexpected expenses or consolidate debt. Additionally, our personal loans can help you with various needs without the burden of high-interest rates.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $2,776,755, make buying or refinancing simple. We know how important it is to secure a comfortable living space, and our dedicated team is here to guide you through every step of the mortgage process.

Unsecured Credit Card Loans

We also provide flexible terms on unsecured credit card loans. While our current total stands at $0, these cards can assist members in managing their finances effectively while enjoying rewards and benefits tailored to their spending habits.

Loan Aggregator

Accurate Loan Comparisons

LendMesh ensures accurate loan comparisons by sourcing data 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 means that users receive fair and transparent offers without hidden fees or surprises.

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. Users can trust that the information provided is accurate and up-to-date. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. This commitment helps users find the best rates without being influenced by advertisements. - Real-Time Rate Comparisons: With access to up-to-date loan rates from multiple institutions, users can make informed decisions quickly. This feature is particularly helpful in a fluctuating market where rates can change daily. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials highlight the value that LendMesh brings to borrowers seeking to save money. Compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

USSCO JOHNSTOWN FEDERAL CREDIT UNION