Utica Police Department CU Utica NY | Affordable Vehicle Loans & Business Banking

Introduction

At Utica Police Department, we believe in building strong relationships with our members and the community. Located at Utica Police Deptfcu, Utica, NY 13502, our branch has been serving the financial needs of local residents since 1937. With a total membership of 609 and assets amounting to an impressive $5,896,635, we're dedicated to providing personalized service that makes a difference. While members can visit us at our branch location, official correspondence should be sent to utica police dept.fcu, Utica, NY 13502. Our commitment to you extends beyond just banking; we aim to support your financial journey through various services including personal banking, auto loans, mortgages, and more. Under the leadership of CEO Francis Noti and Board President Alfred Candido, our small but dedicated team of 2 employees works hard to ensure your experience is positive and rewarding. We pride ourselves on transparency and trust values that are evident in our financial health reflected by a net worth of $1,676,526 and total deposits reaching $334,160. Whether you're looking for assistance with loans (with a total of 378 outstanding) or want to explore savings options with our total shares deposited at $4,140,391, we're here for you. Feel free to reach out at (315) 223-3592 during our lobby hours from 10 AM to 12 PM on weekdays. Join us in fostering a vibrant community where your financial well-being is our priority. Stop by or give us a call today!

Branch History & Mission

Community Focus and Accessibility

We are proud to offer flexible operating hours from 10 AM to 12 PM on weekdays to accommodate your busy schedule. While we currently do not have ATM services or drive-thru banking available, we focus on providing quality personal service during your visits. As we continue to adapt to modern banking needs, we are also committed to ensuring accessibility for all our members. We welcome feedback and suggestions on how we can further enhance your experience with us. Join us at the Utica Police Department today! Experience firsthand how we can support your financial journey while remaining deeply rooted in community values. Together, let's build a brighter future for ourselves and for Utica. For any inquiries or assistance, feel free to reach out at 315-223-3592.

Our Mission

At the Utica Police Department, our mission goes beyond just offering financial products. We aim to empower our members through education and resources that foster financial well-being. We believe in building strong relationships with our members while ensuring their needs are met with respect and understanding. Our commitment extends into the community as well. We actively engage in outreach programs that support local initiatives and charitable events, reinforcing our dedication to making Utica a better place for everyone. While members can visit us at Utica Police Deptfcu, official correspondence should be sent to our mailing address: utica police dept.fcu, Utica, NY 13502.

Branch Location & Accessibility

Welcome to the Utica Police Department, your friendly neighborhood credit union located at Utica Police Deptfcu, Utica, NY 13502. We're proud to serve our members in Oneida County and are conveniently situated near local landmarks that make us easily accessible. Whether you're coming from downtown Utica or nearby communities, you'll find our branch a welcoming place to manage your financial needs. While members can visit us at our branch address, official correspondence should be sent to utica police dept.fcu, Utica, NY 13502. We strive to provide easy access for all our visitors with ADA-compliant features and ample parking available for your convenience. Our lobby hours are designed to fit your busy schedule, open from 10 AM to 12 PM on weekdays. Feel free to drop by during these hours; we're here to assist you with personal banking services like checking and savings accounts, auto loans, mortgage loans, and more. Currently, we do not offer ATM services or drive-thru banking; however, our dedicated staff is always ready to help you inside the branch. If you have any questions or need assistance, don't hesitate to call us at 315-223-3592. We invite you to come visit us at the Utica Police Department today! Experience our commitment to service and see how we can help you achieve your financial goals.

Member Eligibility

At Utica Police Department, we believe that everyone deserves a supportive financial community. If you're looking to join us, becoming a member is simple and welcoming! To be eligible, you typically need to have a connection with the Utica Police Department, whether through employment or family ties. We're here to assist you every step of the way, ensuring that you feel right at home. Membership at Utica Police Department comes with many benefits, including personalized service and access to various financial products tailored just for you. To get started on your journey with us, visit our website for the most up-to-date eligibility details at . Once you've confirmed your eligibility, opening an account is easy! Just reach out to us at (315) 223-3592, and we'll guide you through the process. We can't wait to welcome you into our community at Utica Police Deptfcu Utica Ny 13502!

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

In addition to loans, we offer comprehensive merchant services designed to simplify transactions for your business. Imagine being able to accept payments easily, whether in-person or online. Our services help streamline your operations, allowing you to focus on what you do best serving your customers. Located conveniently at Utica Police Deptfcu Utica Ny 13502 in Utica, NY, we're here to empower your business every step of the way. If you're ready to explore how our services can help your business thrive, call us at (315) 223-3592 today!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

While we currently do not have ATMs at our branch location, we ensure that cash withdrawal services are available for our members so they can access their funds easily when needed. At Utica Police Department, we strive to create a supportive community focused on helping you achieve your financial goals. If you have questions or need assistance with any of our services, please don't hesitate to reach out at (315) 223-3592 during our lobby hours from 10 AM to 12 PM. We look forward to serving you!

Auto Loans & Vehicle Financing

Thinking about getting a new car? Our Auto Loans & Vehicle Financing options make it easy to drive away in the vehicle you want without breaking the bank. With competitive rates and flexible terms, we can help you find the perfect financing solution that fits your budget.

Business Banking

For those who run their own businesses, we offer Business Banking solutions such as merchant services and business loans. We understand how important it is to have reliable banking support when managing a business, and we're here to help you grow.

Credit Cards with Rewards

Our Credit Cards with Rewards program allows you to earn benefits while making everyday purchases. It's an excellent way to get something back for spending on things you already buy like gas or groceries.

Mortgage Loans & Refinancing

If owning a home is on your list, our Mortgage Loans & Refinancing services can guide you through the process. From first-time homebuyers to those looking to refinance their existing mortgage, our team is ready to assist you every step of the way. We aim to make homeownership accessible and affordable for everyone.

Online & Mobile Banking

In today's fast-paced world, convenience matters. That's why we provide robust Online & Mobile Banking features that allow you to manage your accounts anytime, anywhere. You can check balances, transfer funds, and pay bills from the comfort of your home or while on the go.

Personal Banking

We know that having the right accounts is essential for your day-to-day financial activities. Our Personal Banking services include checking and savings accounts that help you manage your money efficiently. Whether you're saving for a big purchase or just need a reliable place for your paycheck, our accounts are designed with your lifestyle in mind.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way. That's where our Personal Loans & Debt Consolidation services come into play. Whether it's funding a personal project or consolidating debt into manageable payments, we provide options that help ease financial stress.

Digital & Online Banking

Accessibility Anytime

Our commitment to 24/7 online banking means you can access your accounts whenever it suits you day or night. This flexibility allows you to handle important transactions without needing to visit a physical branch during business hours. Even though we currently do not offer a mobile application or mobile payment options, our existing services ensure that you have quick access to your financial resources when needed. In summary, Utica Police Department is dedicated to providing convenient and secure digital banking solutions that fit seamlessly into your lifestyle. With just a few clicks on , managing your money has never been easier!

Key Services

With our online banking platform, accessible through , you can check your account balances, transfer funds, and monitor transactions all from the comfort of your device. While features like electronic signature authorization, e-statements, mobile payments, and person-to-person transfers are not currently available, we are committed to providing a user-friendly experience that keeps you informed about your financial status.

Security & Ease of Use

Your security is our top priority. Our online banking system is built with robust security measures to protect your personal information. Plus, it's designed to be intuitive so that you can navigate effortlessly through different sections. Even if you're not tech-savvy, you'll find it simple to manage your accounts in real-time.

Financial Strength

Member Trust

Total Share Accounts stand at 572, showing a strong and growing member base that trusts us with their finances. This trust allows us to manage net shares (funds available for lending and investments) effectively at $0. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Utica Police Department is your trusted partner. Visit us at Utica Police Deptfcu Utica Ny 13502 or call (315) 223-3592 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.*

Operational Efficiency

Our commitment to operational efficiency is evident with a net income of $3,425, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 0 full-time employees and 2 part-time employees who are dedicated to serving you with knowledge and care.

Reinvesting in Your Future

With $1,546,353 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports members' financial goals across various sectors with $118 in used auto loans and a total of $4,705,604 in loans and leases.

Secure Savings Opportunities

Members' savings are secured through $0 in share certificates and $0 in money market shares, offering stable and rewarding financial growth opportunities. We prioritize our members over traditional banking practices; this is reflected by our focus on member benefits rather than non-member deposits, which currently stand at $0.

Strong Financial Health

With a net worth of $1,676,526, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $2,843 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 $1,626,090 in used vehicle loans and $1,436,041 in new vehicle loans already helping members get on the road. We also provide refinancing options if you're looking to lower your monthly payments or take advantage of better rates.

Credit Lines and Unsecured Loans

For those needing extra flexibility, we offer credit lines totaling $25,000. Additionally, while we currently do not have any unsecured credit card loans issued, our services include providing personal loans and debt consolidation options to help manage finances effectively. If you're interested in exploring your eligibility for any of these products or have questions about our offerings, feel free to reach out. You can contact us at (315) 223-3592, and our team will be happy to assist you. 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 Utica Police Department, we are committed to helping our members navigate their financial journey with confidence and clarity.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We currently have a total of $0 in Junior Lien 1-4 Family Residential Properties loans available. This means we can help you secure financing for your dream home or assist you in refinancing an existing mortgage.

Loan Aggregator

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UTICA POLICE DEPARTMENT FEDERAL CREDIT UNION - Utica, NY