Business Details
50+ Years
experience
Your Trusted Partner for Financial Services in Auburn, NY
Auburn Community Federal Credit Union has served the Central New York community for decades, providing trusted financial solutions tailored to meet diverse needs. We specialize in auto loans, home equity loans, personal loans, and deposit accounts, with membership open to residents of Cayuga, Onondaga, Oswego, and Madison Counties. Our commitment to personalized service extends to innovative tools like mobile banking, eServices, and financial calculators, empowering members to manage their finances efficiently.We prioritize relationship-based lending, considering account history and job stability alongside credit scores to ensure fair access to credit. Through partnerships like Enterprise Car Sales, we offer pre-approved financing for quality pre-owned vehicles, while bonus dividends and cash-back rewards enhance member value. Our local expertise and community focus distinguish us as a cooperative financial institution dedicated to long-term member success.
Services
Auto Loans
Home Equity Loans
Personal Loans
Visa Credit Cards
Savings Accounts
Checking Accounts
Mobile Banking
eServices
Loan Payment Options
Financial Calculators
Details
- Year established: 1952
Highlights and features
- We offer low-rate home equity loans with 1% cash back incentives.
- Our partnership with Enterprise Car Sales provides pre-owned vehicle financing.
- We evaluate loan applications using holistic criteria beyond credit scores.
- 24/7 mobile banking app with bill pay and account management features.
- Decades of experience serving financial needs in Central New York communities.
Associations and certifications
- NMLS
Services
Auto Loans
We provide competitive auto loan options for new and used vehicles, including motorcycle financing. Our partnership with Enterprise Car Sales offers members pre-approved financing for meticulously inspected pre-owned cars. Loan terms and rates are designed to accommodate various credit profiles while ensuring affordable monthly payments.
Home Equity Loans
Leverage your home's equity for renovations or large purchases with fixed-rate home equity loans. Qualified borrowers receive 1% cash back on new loans during promotional periods. These secured loans offer predictable repayment terms and potential tax advantages for home improvement projects.
Personal Loans
Flexible personal loans up to 60-month terms help members fund unexpected expenses or personal projects. Competitive interest rates apply to qualified applicants, with application criteria considering overall financial history rather than credit scores alone.
Visa Credit Cards
Our Visa credit cards feature 1% cash back on balance transfers and competitive rewards programs. Security features include instant card lock capabilities and fraud monitoring, with dedicated customer service lines for account management and transaction disputes.
Mobile Banking
24/7 access to financial management through our mobile app enables bill payments, fund transfers, and account monitoring. Features include digital wallet integration with Apple Pay, Google Pay, and Samsung Pay for convenient mobile transactions.
Questions
How do I qualify for a home equity loan?
Applicants must be ACFCU members with sufficient home equity and demonstrate repayment capability through income verification and credit history review.
What loan options are available for bad credit?
We consider account history, employment stability, and other factors beyond credit scores for loan approval, offering alternative pathways to qualified borrowers.
Can I access banking services outside branch hours?
Yes, our mobile app and online banking platform provide 24/7 access to account management, bill payments, and transaction history.
What counties do you serve?
We serve residents of Cayuga, Onondaga, Oswego, and Madison Counties in Central New York State.
How does the 1% cash back promotion work?
Earn 1% cash back on balance transfers with ACFCU Visa credit cards, and new home equity loan customers receive cash back during promotional periods.
Do you offer car purchase assistance?
Yes, our partnership with Enterprise Car Sales provides pre-approved financing options for quality inspected pre-owned vehicles.