Western Division Credit Union Fredonia NY | Best Auto Loans & Quick Personal Loans

Introduction

Welcome to Western Division, your trusted credit union located at 264 E Main St, Fredonia, NY 14063. Since our establishment in 1937, we have been dedicated to serving our community with financial solutions that empower our members. With a total membership of 10,754, we pride ourselves on being more than just a financial institution; we're a part of your journey towards achieving your dreams. At Western Division, we understand that every member has unique needs. That's why we offer a range of services including personal banking, auto loans, mortgage financing, and business banking solutions. Our total assets stand at an impressive $207,653,825, with total deposits reaching $11,561,739. This solid foundation allows us to provide competitive loan options currently totaling 7,176 across various categories to help you achieve your financial goals. Our commitment to transparency and member satisfaction is reflected in our net worth of $28,625,902 and cash on hand of $754,048. We're here to ensure that you feel secure and supported in all your financial endeavors. While you can visit us at our branch for personalized service from our friendly staff led by CEO Robert Harms and Board President Paul Jackson, we also encourage you to explore our online resources at www.westerndivision.org. For official correspondence, please send mail to 6750 MAIN ST, WILLIAMSVILLE, NY 14221. Ready to take the next step? Call us today at 716-632-9328 or visit our website to learn more about how we can assist you!

Branch History & Mission

At Western Division, our roots run deep in the community of Fredonia, NY. Established in 1937, we have dedicated ourselves to serving our members with integrity and passion for over eight decades. Located at 264 E Main St, Fredonia, NY 14063, our branch has become a trusted name in personal and business banking solutions. As we look back on our journey, we are proud of our growth from a small local credit union to a financial institution that now supports over 10,000 members with total assets reaching an impressive $207,653,825. Our mission is simple yet powerful: to provide accessible financial services that empower our community. We believe that everyone deserves the opportunity to thrive financially. Whether it's through offering competitive auto loans, mortgage options, or rewarding credit card programs, we strive to meet the diverse needs of our members. Our commitment goes beyond just banking; we actively engage in community outreach initiatives aimed at improving the lives of those around us. While members can visit us at 264 E Main St Fredonia Ny 14063, official correspondence should be sent to our mailing address at 6750 MAIN ST, WILLIAMSVILLE, NY 14221. We take pride in being more than just a branch; we're your neighbors who care deeply about your financial well-being. Our operating hours are convenient for all Monday through Wednesday from 9 AM to 4 PM and Thursday through Friday until 5 PM making it easy for you to reach out and discuss your financial needs. In today's digital world, we have embraced technology while ensuring that our services remain user-friendly and accessible. Our online banking platform allows members to manage their accounts seamlessly from anywhere. We also offer mobile applications for easy access on the go. At Western Division, we recognize the importance of inclusion and accessibility. That's why we've implemented ADA-compliant facilities and customer-centric practices designed to serve all individuals in our community effectively. As part of our commitment to building lasting relationships, we partner with local organizations for community events and educational programs. These efforts reflect our dedication not only to providing excellent financial services but also to fostering a vibrant community where everyone can succeed. We invite you to join us at Western Division and discover the benefits of being a member of a credit union that truly cares about your success. Experience personalized service tailored just for you because at Western Division, you're not just a member; you're family. Reach out today at (716) 632-9328 or visit us online at our website to learn more!

Branch Location & Accessibility

Welcome to the Western Division branch in Fredonia, located conveniently at 264 E Main St, NY 14063! Our friendly staff is ready to assist you with all your banking needs right in the heart of Chautauqua County. Just a short walk from the local library and several charming shops, our location makes it easy for you to stop by while you're out and about. We know how important accessibility is for our members. Our branch features ADA-compliant facilities, including ramps and designated parking spots, ensuring that everyone can visit us comfortably. Although we don't currently offer drive-thru services or ATMs on-site, our team is here to help you navigate your banking needs effectively during your visit. Our lobby hours are designed with your schedule in mind. We're open Monday through Wednesday from 9 AM to 4 PM, and Thursday to Friday from 9 AM to 5 PM. Feel free to give us a call at 716-632-9328 if you have any questions before your visit or need assistance with specific services. For any official correspondence, please send mail to our headquarters at 6750 Main St, Williamsville, NY 14221. We look forward to welcoming you at the Western Division branch in Fredonia! Come see us soon!

Member Eligibility

At Western Division, becoming a member means joining a caring community dedicated to your financial well-being. If you live, work, or attend school in the area surrounding 264 E Main St Fredonia Ny 14063, you're likely eligible to join us! We believe that everyone deserves access to affordable financial services, and we strive to make the process as welcoming and straightforward as possible. Joining is easy just visit our website for more detailed eligibility criteria at . You can also open an account online by following this link: https://forms.joinmycu.com/mop/055/apply . If you have any questions or need assistance, don't hesitate to reach out to us at (716) 632-9328. We're here to help you every step of the way as you take this exciting step towards securing your financial future with Western Division!

Business Banking & Commercial Services

Merchant Services That Matter

In addition to loans, our merchant services simplify transactions so you can focus on what really matters running your business. Picture this: a busy Saturday at your café where quick payment processing keeps customers happy and sales flowing. Our solutions provide the tools you need for smooth operations. Located at 264 E Main St Fredonia Ny 14063, Fredonia, NY, we're here to help your business thrive. Contact us today at (716) 632-9328 to learn more about how we can support your journey!

Supporting Business Growth

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.

Comprehensive List Of Services

Business Banking Services

For small business owners, we understand the unique challenges you face. Our business banking services include merchant services that simplify payment processing and business loans to support your growth initiatives. We believe in helping local businesses thrive.

Convenient Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why we provide robust online and mobile banking options so you can manage your accounts anytime, anywhere. Need to check your balance or transfer funds? It's all just a few taps away! Although we currently do not offer ATM or drive-thru services, our digital platforms ensure that accessing cash and managing transactions is still simple and effective.

Personal Banking Solutions

For individuals and families, we offer various checking and savings accounts designed to fit different lifestyles. Imagine having a checking account that helps you keep track of your spending while also earning interest on your savings. With auto loans and vehicle financing, we make it easier for you to get behind the wheel of your dream car without breaking the bank. Our mortgage loans and refinancing options are here to assist you in buying a home or lowering your monthly payments. If you're facing unexpected expenses or want to consolidate debt, our personal loans provide flexible solutions that can help you regain control over your finances. Plus, don't miss out on our credit cards with rewards perfect for those who love earning points while they shop.

Stay Connected

If you have any questions about our services or need assistance, please don't hesitate to reach out. You can call us at 716-632-9328, and our friendly staff will be happy to help. At Western Division, we pride ourselves on being more than just a credit union; we're part of the community. Explore how we can support you by visiting our website at www.westerndivision.org. Join us today and discover how we can help turn your financial goals into reality!

Digital & Online Banking

Key Features

One standout feature is the ability to set up electronic signature authorization. This means you can sign documents quickly and securely without needing to print anything out. We also provide e-statements, giving you a paperless option that's not only eco-friendly but also helps keep your finances organized. If you're looking for quick ways to send money to friends or family, our person-to-person transfer service lets you do just that! It's fast and secure perfect for those moments when cash isn't an option. For those who prefer managing their accounts on their mobile devices, we offer a mobile application that brings all these features right to your fingertips. While mobile payments aren't currently available, you'll still enjoy real-time account management through our app. In short, Western Division is committed to providing accessible, easy-to-use digital banking solutions that keep your financial life on track. Experience the convenience today by visiting us online!

Financial Strength

Growing Trust

Total Share and Deposit Accounts: 21,854, show a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $16,468. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Western Division is your trusted partner. Visit us at 264 E Main St Fredonia Ny 14063 or call (716) 632-9328 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

Members' savings are secured through $49,172,080 in share certificates and $27,307,350 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.

Operational Efficiency

Our $1,304,804 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 30 full-time employees and 1 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvestment for Growth

With $22,246,140 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our robust lending capacity is evident as we support various financial needs with $2,087 in used auto loans and $149,618,064 in total loans and leases.

Solid Foundation

With a net worth of $28,625,902, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,379 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 $37,031,887 in used vehicle loans and $9,136,221 in new vehicle loans already helping members get on the road. We provide financing for both new and used vehicles, ensuring you can find the right option that suits your needs.

Credit Card Loans

Managing day-to-day expenses can be easier with our flexible terms on unsecured credit card loans. With a total of $5,201,711 in unsecured credit card loans available, we aim to support our members in managing their finances effectively.

Credit Lines

Our credit lines total $37,376,760, providing you with additional flexibility for unexpected expenses or planned purchases. This can be a great way to have access to funds when needed without the hassle of applying for a new loan each time. If you're considering refinancing any of these loans or want to learn about eligibility options, our team is here to guide you through the process. We pride ourselves on making finance accessible and straightforward. For more information or assistance with any of our loan products, feel free to contact us at 716-632-9328 or visit us at 264 E Main St Fredonia NY 14063. 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's work together to achieve your financial dreams!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $26,328,432, make buying or refinancing simple. We offer tailored solutions whether you're a first-time buyer or looking to refinance an existing mortgage.

Loan Aggregator

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How LendMesh Ensures Accurate Comparisons

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 commitment to accuracy means users receive fair and transparent offers. Each loan comparison reflects current market conditions, allowing you to see which options best fit your financial situation.

WESTERN DIVISION FEDERAL CREDIT UNION