Widget Credit Union Erie PA | Best Auto Loans & Business Banking

Introduction

Welcome to Widget, your trusted credit union located at 5553 W Ridge Rd, Erie, PA 16506. Since our establishment in 1936, we have been dedicated to serving our community and supporting our members through various financial services. With a growing membership of over 47,710, we pride ourselves on being more than just a financial institution; we are a cornerstone of the Erie community. At Widget, we understand that managing your finances can sometimes be overwhelming. That's why our team is here to provide guidance and support tailored to your needs. Our total assets now stand at an impressive $431,129,892, allowing us to offer competitive rates on loans and deposits while maintaining a solid net worth of $45,492,225. We currently manage loans totaling 18,681, ensuring that you have access to funds when you need them most. For all your banking needs, from checking and savings accounts to auto loans and mortgages, we strive to deliver personalized service with a smile. Our CEO, Matthew Margosian, along with Board President Marko Jovanovich, leads our team of 115 employees who are committed to helping you achieve your financial goals. While members can visit us at our branch for friendly assistance or transactions, any official correspondence should be directed to our mailing address at 2154 E Lake Rd, Erie, PA 16511. Feel free to reach out via phone at 814-456-6231 for inquiries or assistance. Join us today at Widget and discover how we can help you grow financially. Visit our website at widgetfinancial.com or drop by the branch we're here for you!

Branch History & Mission

Community Engagement

Our dedication extends into the heart of the community through various outreach programs and partnerships designed to uplift those around us. We take pride in being actively involved in local initiatives that promote financial literacy and support those in need. As technology advances, we continue to enhance our digital offerings. You can manage your finances easily with online and mobile banking options available at your fingertips, making everyday transactions smooth and convenient.

Join Us

We invite you to experience what makes Widget special. Whether you're looking for a new checking account or exploring loan options, we are here for you. Join us today and become part of a community-focused credit union that truly cares about its members' success. For inquiries or assistance, feel free to reach out at (814) 456-6231 or visit our website at Millfair Rd. Together, let's build a brighter financial future!

Our Journey

From humble beginnings, Widget has evolved significantly over the years. With total assets now exceeding $431,129,892, we have consistently focused on providing quality financial services tailored to our members' needs. We pride ourselves on fostering strong relationships, ensuring that every member feels valued and supported on their financial journey. Our commitment goes beyond just numbers. We are dedicated to making a positive impact in our community. We understand the importance of accessibility, which is why we offer services like ATM availability and drive-thru banking at our branch. We aim to meet our members where they are, both physically and digitally, ensuring everyone has access to essential banking services.

Our Mission

At Widget, our mission is simple yet profound: to empower our members through exceptional financial products and personalized service while giving back to the community we cherish. We believe that when our members thrive, so does the entire community. We offer a wide range of services, including personal banking options such as checking and savings accounts, auto loans, mortgages, personal loans, and credit cards with rewards. Additionally, we provide business banking solutions that cater to local entrepreneurs looking for merchant services and business loans. While members can visit us at 5553 W Ridge Rd Erie Pa 16506, official correspondence should be sent to 2154 E Lake Rd, Erie, PA 16511 if it differs from our branch location.

Branch Location & Accessibility

Accessibility Features

At Widget, we prioritize your comfort and convenience. Our location offers ample parking space, making it easy for you to stop by anytime. We are proud to be ADA compliant, featuring ramps and other accessibility options to cater to all members of our community.

Call to Action

Ready to experience exceptional service? We invite you to visit us at Widget or give us a call at (814) 456-6231. Our team is eager to help you achieve your financial goals. See you soon!

Operating Hours

Our friendly team is here for you during the following hours: Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 1 PM. Whether you need help with personal banking or business services, we're ready to assist you within these times.

Services Offered

We offer a wide range of services tailored just for you! Enjoy the convenience of personal banking options like checking and savings accounts, auto loans, mortgage financing, and credit cards with rewards. If you're looking for business solutions, we provide merchant services and business loans as well. Plus, with both ATM access and drive-thru banking available, managing your finances has never been easier.

Member Eligibility

At Widget, we believe that everyone deserves a chance to be part of a supportive financial community. Becoming a member is simple and welcoming! If you live, work, or attend school in the area, you're likely eligible to join us. We're excited to offer you access to a range of financial services designed with your needs in mind. Membership means not just having a place for your money but also being part of a family that cares about your financial well-being. To get started, feel free to give us a call at (814) 456-6231 or visit us at our branch located at 5553 W Ridge Rd Erie Pa 16506. For detailed eligibility criteria, check out our website at . When you're ready to open an account, simply follow the easy steps outlined on our account opening page here: https://www.widgetfinancial.com/loans/ . Joining Widget is more than just opening an account; it's about becoming part of something bigger!

Business Banking & Commercial Services

Financing Your Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We also support the broader business community with $10 in non-member commercial loans, providing flexible financing solutions. Imagine having access to funds that help you expand your operations, purchase new equipment, or even manage cash flow during slower seasons. Our loan options are designed to empower you and turn your business goals into reality.

Merchant Services

In addition to our loan offerings, we provide merchant services that simplify transactions for your customers while enhancing your cash flow. Picture this: a customer makes a purchase at your store, and with our seamless payment processing solutions, the transaction is completed quickly and securely. This efficiency not only improves customer satisfaction but also allows you to focus on what matters most growing your business. Located conveniently at 5553 W Ridge Rd Erie Pa 16506 in Erie, PA, our team is ready to assist you. If you're looking for reliable banking solutions that cater specifically to businesses like yours, reach out today!

Comprehensive List Of Services

Business Banking Services

Small business owners will find our Business Banking services particularly beneficial. We offer merchant services that simplify transactions and business loans designed to help your enterprise grow. From managing payroll to purchasing equipment, we are here to support your business's unique needs.

Credit Cards and Rewards

Don't forget about our credit cards with rewards! They are perfect for everyday purchases while earning cash back or points towards exciting rewards. Whether you're shopping for groceries or planning a vacation, these cards can add value to your spending.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we offer robust Online & Mobile Banking features. Access your accounts anytime through our secure online platform or mobile app check balances, transfer funds, and pay bills with just a few taps on your smartphone. Additionally, our ATM & cash withdrawal services ensure you have easy access to your money whenever you need it.

Drive-Thru and ATM Access

For those who prefer face-to-face interactions but need quick service, our basic drive-thru banking allows for easy deposits and withdrawals without leaving your car. And if you're on the go, our ATMs provide basic access for withdrawals and balance checks at your convenience. At Widget, we believe that banking should be simple and accessible for everyone in Erie. With friendly staff ready to assist you at every turn, we invite you to explore all that we offer. Ready to take the next step? Contact us at (814) 456-6231 or visit us at Millfair Rd today! Let's work together towards achieving your financial goals!

Personal Banking Solutions

We start with our Personal Banking services, which include checking and savings accounts that cater to your daily financial transactions and long-term savings goals. Imagine having easy access to your funds while also earning interest on your savings. Our auto loans and vehicle financing options make purchasing a new car straightforward and affordable, ensuring you can drive away in the vehicle you want without financial stress. For those planning to buy a home, our mortgage loans and refinancing options provide competitive rates and flexible terms, making homeownership more attainable. If unexpected expenses arise, our personal loans can help bridge the gap, allowing you to consolidate debt or cover urgent costs with ease.

Digital & Online Banking

Mobile Banking on the Go

Life moves fast, and so should your banking. With our mobile application, you can manage your accounts right from your smartphone. Need to send money to a friend? Our person-to-person transfer feature lets you do just that in seconds. Plus, if you prefer using mobile payments, we've got you covered there too making transactions as easy as a tap on your phone. At Widget, we strive to provide user-friendly services that empower you to take control of your finances while ensuring top-notch security. Explore all these features today and discover how our digital banking solutions can enhance your everyday financial experience!

Online Banking Made Easy

With our 24/7 online banking services, you can check your account balances, pay bills, and transfer funds with just a few clicks. No need to visit a branch; everything is right at your fingertips. You can even enjoy the peace of mind that comes with electronic signature authorization, making it simple and secure to sign documents without the hassle of printing or mailing.

Stay Organized with E-Statements

Managing your finances is simpler with e-statements available at Widget. Say goodbye to paper clutter and hello to organized digital records! You'll receive your statements directly in your inbox, allowing you to track your spending easily and efficiently.

Financial Strength

Growing Together

Total Share and Deposit Accounts stand at 76,010, showcasing a strong and growing member base that trusts us with their finances. This growth empowers us to provide exceptional service while maintaining our commitment to your financial well-being. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Widget is your trusted partner. Visit us at 5553 W Ridge Rd Erie Pa 16506 or call (814) 456-6231 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

Members' savings are secured through $77,967,417 in share certificates and $18,578,813 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 Excellence

Our $0 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 105 full-time employees and 10 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvesting for Your Future

With $45,130,215 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is robust; with $6,006 in used auto loans and $247,076,381 in total loans and leases, we support members' financial goals across various sectors.

Solid Foundation

With a net worth of $45,492,225, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,055 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 $92,461,700 in used vehicle loans and $42,212,022 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new vehicle or a reliable used one, we have options that fit your budget and lifestyle.

Credit Lines

If you need access to cash for unforeseen expenses or projects, our credit lines totaling $113,683,069 are available to help you stay on track financially. They provide flexibility and peace of mind knowing that you have funds available when you need them. If you're considering refinancing any existing loans or exploring eligibility options, our team is here to assist you every step of the way. We aim to make the process straightforward and transparent so that you can focus on what matters most. To learn more about our loan offerings or start your application process, give us a call at (814) 456-6231, or visit us at our branch located at 5553 W Ridge Rd Erie Pa 16506 in Erie, PA. We're committed to supporting our members' financial journeys. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $4,616,313, make buying or refinancing simple. We provide competitive rates and flexible terms, ensuring that your journey to owning a home is as smooth as possible.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $9,330,525 in loans helping members manage their finances effectively. These cards come with features designed to provide convenience and rewards, making it easier for you to handle everyday expenses.

Loan Aggregator

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Real-Time Rate Comparisons

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Verified Data

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WIDGET FEDERAL CREDIT UNION