Business Details
44 Years
experience
Your Trusted Financial Partner in Cranford, NJ
Established in 1982, our credit union was founded to serve members of the International Longshoreman Association, including longshoremen, warehouse workers, checkers, and their immediate families. We provide a comprehensive range of financial services, including savings accounts, personal and auto loans, credit cards, and mortgage programs tailored to our members' needs. Our lending options feature competitive rates, with signature loans up to $30,000 and secured personal loans up to $60,000. We prioritize member satisfaction through 24/7 online and mobile banking platforms, enabling instant fund transfers, bill payments, and account management. Our federally insured savings accounts guarantee protection up to $250,000, backed by the full faith of the U.S. government.We maintain strict security protocols to safeguard member assets while offering flexible financial solutions. Our team delivers personalized service during remote office hours Monday, Tuesday, and Friday, with in-person support available Wednesday and Thursday. We continuously expand our services to better serve our community, emphasizing accessibility and transparency in all operations. Our commitment to financial education helps members build long-term economic stability. As a member-owned institution, we reinvest profits to enhance services and benefits for our community.
Services
Savings Accounts
Personal Loans
Auto Loans
Mortgage Programs
Online Banking
Credit Cards
Wire Transfers
Mobile App
Share Certificates
Payroll Deduction
Details
- Year established: 1982
Highlights and features
- We offer federally insured savings accounts up to $250,000.
- Our loan programs include personal, auto, and mortgage options.
- We provide 24/7 online and mobile banking services.
- Our team has over 40 years of experience serving longshoremen communities.
- We prioritize personalized service with flexible financial solutions.
Associations and certifications
- National Credit Union Administration (NCUA)
Services
Share Savings Account
Our Share Savings Account offers competitive interest rates with no monthly fees. Members enjoy 24/7 online access and mobile banking features for convenient fund management. This account serves as the foundation for all credit union services.
Personal Loans
We provide unsecured and secured personal loans up to $60,000 with flexible repayment terms. Our Anytime Loan program offers $2,000 without credit checks for urgent needs. All loans feature transparent fee structures.
Auto Financing
New and used vehicle financing options include cars, motorcycles, and commercial vehicles. Competitive APR rates available for members with terms up to 72 months. Pre-approval process simplifies vehicle purchases.
Online Banking
24/7 digital access enables fund transfers, bill payments, and account monitoring. Our mobile app features e-statements, text alerts, and secure messaging. Virtual gift cards enhance online shopping security.
Mortgage Programs
Home equity and mortgage loans feature fixed and adjustable rates. We offer competitive terms up to 30 years with personalized guidance from experienced loan officers. Pre-approval options available.
People
Linda Cernadas
Manager
Linda Cernadas leads daily operations with over 25 years of credit union experience. She focuses on member financial education and community development initiatives.
Kristina Amado
Assistant Manager
Kristina Amado oversees customer service operations and loan processing. With 15 years in financial services, she specializes in personalized account management solutions.
Questions
What services does ILA Local 1235 offer?
We provide savings accounts, personal and auto loans, credit cards, mortgage programs, and 24/7 online banking services for longshoremen communities.
How can I access my account outside business hours?
Our online banking portal and mobile app allow 24/7 account access for fund transfers, bill payments, and transaction monitoring.
Are my deposits insured?
Yes, all savings accounts are federally insured up to $250,000 by the National Credit Union Administration (NCUA).
What loan options are available?
We offer signature loans up to $30,000, secured personal loans up to $60,000, and specialized financing for vehicles and homes.