Westside Community Credit Union Churchville NY | Best Auto Loans & Mortgage Rates

Introduction

Welcome to Westside Community, your trusted partner in financial well-being located at 125 E Buffalo St, Churchville, NY 14428. Since our establishment in 1962, we have been dedicated to serving the community with personalized banking solutions that meet the unique needs of our members. With a growing membership of 1,862 and total assets amounting to $23,865,358, we are proud to be a cornerstone of financial support in Churchville. At Westside Community, we prioritize you. Whether you're looking for a reliable checking account or need assistance with an auto loan our total loans and leases stand at 477 our friendly team is here to help you every step of the way. Our commitment goes beyond just numbers; it's about building lasting relationships within our community. Under the leadership of Tiffany Cooper, our CEO, and Ann Maher, our Board President, we strive for excellence in all that we do. We believe in transparency and accountability, which is reflected in our solid net worth of $2,132,617 and total deposits reaching $1,875,874. Plus, with cash on hand totaling $326,454, we ensure that your funds are safe and accessible when you need them. While members can visit us at our branch location for personal service, official correspondence should be directed to our mailing address: P.O. Box 316, Churchville, NY 14428. We invite you to explore our wide range of services including personal banking options like checking and savings accounts, auto loans and vehicle financing, mortgage loans and refinancing, as well as business banking solutions. For those who prefer managing their finances online or on-the-go, we offer comprehensive online banking options. Don't hesitate to reach out! You can contact us at (585) 293-3840 during our lobby hours from Monday to Friday. Discover how Westside Community can make a difference in your financial journey today by visiting us or checking out our website at wscfcu.com. Your financial future starts here!

Branch History & Mission

At Westside Community, we pride ourselves on a rich history that began in 1962 when our doors first opened in the heart of Churchville, NY. Over the years, we have grown from a small community credit union into a trusted financial partner for more than 1,800 members. Our journey has been marked by dedication, growth, and an unwavering commitment to serving our community. Located at 125 E Buffalo St, Churchville, NY 14428, our branch is easily accessible to locals. We are proud to offer services that meet the diverse needs of our members while being deeply rooted in the community. Whether you need a simple checking account or financing for your next vehicle, we are here to help. Our mission at Westside Community is clear: to provide exceptional financial services while fostering community support and engagement. We believe in empowering our members through knowledge and access to resources that can enhance their financial well-being. With total assets reaching over $23 million, we maintain a strong foundation to ensure stability and growth for our members. We understand that banking today requires convenience and accessibility. That's why we offer online banking services along with ATM availability and a drive-thru option for quick transactions. Our operating hours from Monday to Friday cater to busy schedules: Monday - Thursday from 9:00 AM - 4:00 PM and Friday until 5:00 PM. While our physical address serves as a hub for member interactions, official correspondence should be directed to P.O. Box 316, Churchville, NY 14428 if necessary. Community involvement is at the core of what we do. We actively engage in local outreach efforts aimed at supporting various initiatives within Churchville and surrounding areas. Our partnerships with local organizations help us extend our reach and impact. At Westside Community, we invite you to experience the benefits of membership firsthand. Join us today and discover how we can assist you in achieving your financial goals while being part of a community-focused institution dedicated to your success! For more information on membership eligibility or to open an account, please visit our website or call us at (585) 293-3840. Together, let's build a brighter financial future!

Branch Location & Accessibility

A Range of Services Just for You

At Westside Community, we offer a variety of personal banking services including checking and savings accounts, auto loans, mortgage loans, and more. Need cash? Our ATM is available for your convenience, along with drive-thru banking options for quick transactions without leaving your vehicle. Feel free to give us a call at 585-293-3840 if you have any questions or need assistance. We look forward to welcoming you into our branch soon!

Easy Access and Convenient Features

Our branch is easily accessible, situated near local landmarks that make it a breeze to visit. Whether you're stopping by after running errands or making a dedicated trip, you'll find ample parking available right outside our doors. We've made sure our facilities are welcoming for everyone, with features such as ADA-compliant ramps for easy access. While members can visit us at 125 E Buffalo St, please note that any official correspondence should be sent to P.O. Box 316, Churchville, NY 14428.

Operating Hours to Fit Your Schedule

We understand that life can get busy. That's why we're open Monday through Thursday from 9:00 AM to 4:00 PM and Friday from 9:00 AM to 5:00 PM. Whether you're looking to open an account, apply for a loan, or just have a quick question, we're here to help during these hours.

Member Eligibility

Becoming a member of Westside Community is like joining a close-knit family where your financial well-being is our top priority. If you live, work, worship, or attend school in the area around Churchville, NY, you're already on your way to enjoying all the benefits we offer! We welcome anyone who fits these criteria to join our community. Plus, as a member, you gain access to personalized banking services that cater specifically to your needs, from checking and savings accounts to auto loans and more. To get started with your membership journey at Westside Community, simply visit us at our welcoming branch located at 125 E Buffalo St Churchville Ny 14428 or give us a call at (585) 293-3840 for any questions you may have. For detailed eligibility information and to ensure you meet all the criteria, feel free to check out our website at https://wscfcu.com/membership/. Ready to open an account? The process is easy! Just visit https://www.realtimehomebanking.com/enroll.aspx?clientid=15324 to begin your application online. Join us today and experience the supportive community we've built just for you!

Business Banking & Commercial Services

Commercial 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 today's fast-paced world, having efficient merchant services is essential. Imagine running your store and being able to accept payments from customers seamlessly whether they're using credit cards, mobile wallets, or other methods. Our merchant services help you streamline transactions so you can focus on what truly matters: serving your customers and growing your business. Located at 125 E Buffalo St Churchville Ny 14428, Churchville, NY 14428, our dedicated team is here to provide personalized assistance tailored to your business goals. Contact us at (585) 293-3840 to learn more about how we can help you thrive!

Comprehensive List Of Services

Business Banking

For our members who are entrepreneurs or small business owners, we also provide specialized services through our business banking solutions. From merchant services that simplify transactions for your customers to tailored business loans, we're committed to supporting the growth of local businesses.

Digital Convenience

In today's fast-paced world, convenience is key. That's why we prioritize digital banking features like online and mobile banking. You can check balances, transfer funds, and pay bills anytime from anywhere perfect for busy lifestyles! Plus, our ATM services allow easy cash withdrawals and balance checks without needing to visit the branch.

Drive-Thru & ATM Services

If you prefer face-to-face interactions for simple transactions like deposits or withdrawals but don't have time to come inside, our basic drive-thru banking offers quick service right from your car. Our ATMs are also available for quick access whenever you need cash. At Westside Community located at 125 E Buffalo St in Churchville, NY 14428, we strive to meet all your financial needs under one roof. If you're ready to explore how we can assist you further or if you have any questions about our services, feel free to call us at 585-293-3840. Join us today at wscfcu.com and discover the difference dedicated service can make!

Personal Banking

Our personal banking services are designed with your lifestyle in mind. We offer checking and savings accounts that help you manage your day-to-day finances while earning interest on your savings. Imagine having easy access to your funds and knowing that your money is working for you at the same time. If you're considering buying a new car or need financing for a vehicle, our auto loans and vehicle financing options come with competitive rates, making it easier for you to drive away in the car of your dreams without straining your budget. For those looking to invest in a home or refinance their current mortgage, our mortgage loans and refinancing services are here to guide you through the process, ensuring that you find a solution that fits your financial situation.

Personal Loans & Credit Options

Life can throw unexpected expenses your way, and when it does, our personal loans and debt consolidation options provide the flexibility you need. You can consolidate high-interest debts into one manageable monthly payment, freeing up cash for other essentials. Additionally, we offer credit cards with rewards, allowing you to earn benefits as you make everyday purchases. Imagine earning points on groceries or gas that can be redeemed for travel or cash back!

Digital & Online Banking

Key Features

Our online banking platform provides you with real-time account management, allowing you to check balances, view transaction history, and transfer funds anytime. Plus, with our e-statements feature, you'll receive your monthly statements electronically, which not only saves paper but also helps keep your financial information organized and accessible. While we currently do not offer mobile payments or a dedicated mobile application, our web-based services are fully optimized for mobile use, ensuring that you can manage your finances easily from any device. Whether you're using a tablet or smartphone, accessing your accounts is quick and user-friendly.

Security and Convenience

Your security is our top priority. We use robust encryption protocols to ensure that your information remains safe while you bank online. Although we do not support electronic signature authorization at this time, rest assured that all transactions are securely processed to protect your data. Additionally, while person-to-person transfers are not available yet, our focus remains on providing reliable core banking features that meet your everyday needs. At Westside Community, we believe in making banking accessible for everyone. Our online services provide flexibility and peace of mind so you can focus on what matters most in your life. Ready to experience convenient banking? Visit us at https://wscfcu.com/ today!

Financial Strength

Commitment to Growth

With $2,051,753 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 your financial goals with $208 in used auto loans and $13,841,191 in total loans and leases.

Community Trust

Total Share Accounts stand strong at 2,838, reflecting a robust membership base that trusts us with their finances. This trust empowers us to create even more opportunities for you. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Westside Community is your trusted partner. Visit us at 125 E Buffalo St Churchville Ny 14428 or call (585) 293-3840 to learn more about how we can help you achieve your financial goals.

Dedicated Team

We also take pride in having 3 full-time employees and 0 part-time employees who are committed to serving you with expertise and care.

Focused on Member Benefits

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. This focus allows us to reinvest in what matters most: our members.

Operational Efficiency

Our efforts reflect in our financial outcomes as well. Our $80,864 showcases our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members.

Secure Savings Options

Members' savings are secured through $967,691 in share certificates, offering stable and rewarding financial growth opportunities. While we currently have $0 in money market shares available for growth options, we prioritize the security of our members' funds.

Strong Financial Foundation

With a net worth of $2,132,617, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $894 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 $2,902,487 in used vehicle loans and $1,788,562 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive interest rates to ensure you can drive away with the best possible deal.

Credit Lines

For those who need ongoing access to funds, our credit lines totaling $1,500,000 allow you to borrow what you need when you need it. This is an excellent option for managing cash flow or covering unexpected expenses.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $1,955,655, make buying or refinancing simple. We are committed to guiding you through the process and finding the right mortgage that fits your budget and lifestyle.

Refinancing Options

If you're considering refinancing any existing loans or mortgages, we encourage you to reach out to us. We can help assess your current situation and discuss eligibility options that could lead to lower payments or better rates. At Westside Community in Churchville, NY (125 E Buffalo St), we prioritize making financial services accessible and straightforward for our members. Feel free to contact us at 585-293-3840 during our operating hours: Monday - Thursday from 9:00 am - 4:00 pm and Friday from 9:00 am - 5:00 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. Visit us online at Westside Community for more information about our loan offerings!

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans. This product helps members manage their finances effectively with ease and convenience. While currently our total amount for unsecured credit card loans stands at $0, we strive to provide options that cater to your needs as they arise.

Loan Aggregator

Benefits of Using LendMesh

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How LendMesh Ensures Accurate Loan 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 ensures that users receive fair and transparent offers. By focusing on legitimate financial institutions, LendMesh guarantees that every loan offer is backed by verified data.