South Towns Community Federal Credit Union

Social
  • +1

A short history of South Towns Community FCU

Since its inception in 1967 the South Towns Community Federal Credit Union has been serving its members in the LACKAWANNA, New York area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by diana lavis, the South Towns Community FCU has grown its membership to over 2,570 with assets of more than $16,314,527. They have a main office and 1 branch offices. Please see the credit unions website or contact them by phone at (716) 827-7788 or email them at stownscu@hotmail.com to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in LACKAWANNA, NY.

General Information For South Towns Community FCU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 17891
Address 3040 S PARK AVE 
City LACKAWANNA 
State New York 
Zip-Code 14218
Phone Number (716) 827-7788
Fax Number (716) 827-7791
Email Address: stownscu@hotmail.com
CEO/President diana lavis
Members 2,570 
Full-Time Employees
Part-Time Employees
Number of Branch Offices
Total Assets 16,314,527 
Website http://www.stownsfcu.com 

Compare South Towns Community Federal Credit Union To Other Local Credit Unions


Credit Union Name
Branch Name
Address
Zip Code
Phone Number
ATM Access
Distance (Miles)
Erie Metro CU Main Office 3291 Lake Shore Rd 14219 (716) 826-1976 No 2.01
Local 41 I.b.e.w. CU Local 41 IBEW FCU 3564 California Rd 14127 (716) 662-6133 No 2.45
St. Johns Buffalo CU st. john's buffalo fcu 2322 seneca st 14210 (716) 823-1527 No 2.50
Greater Woodlawn CU GREATER WOODLAWN FCU 351 E FAIRMOUNT AVE 14750 (716) 763-7283 No 2.89
Meridia Community CU Eden Branch 8226 N Main St 14075 (716) 648-4411 No 3.76

South Towns Community Federal Credit Union Financial Performance Charts


Performance Charts

Website Image

Financial Data


South Towns Community Federal Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 9.00 3.50 3.50 3.75 4.50
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 160 209 147 102 168
Rank Among All New York Credit Unions 24 84 48 31 53

South Towns Community Federal Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate N/A 0.05 N/A 0.25 N/A
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions N/A 143 N/A 310 N/A
Rank Among All New York Credit Unions N/A 38 N/A 81 N/A
South Towns Community Federal Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 9.000443473,736
All Other Unsecured Loans/Lines of Credit 7.500139441,128
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 3.50031423,149
Used Vehicle Loans 3.5001051,072,298
Total 1st Mortgage Real Estate Loans/Lines of Credit 3.750422,563,374
Total Other Real Estate Loans/Lines of Credit 4.500741,130,518
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 10.00021949,769
TOTAL LOANS & LEASES 1,0536,153,972

South Towns Community Federal Credit Union Real Estate Loans and Lines of Credit

REAL STATE LOANS FIRST MORTGAGE

No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 15996,27100
    b. 15 Years or less 271,567,103157,530
Balloon/Hybrid
    a. > 15 years 0000
    b. 15 Years or less 0000
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 0000
Adjustable Rate > 1 yr 0000

OTHER REAL ESTATE

Closed-End Fixed Rate 32230,472547,500
Closed-End Adjustable Rate 00362,680
Open-End Adjustable Rate 42900,04600
Open-End Fixed Rate 0000
TOTALS 1163,693,8929167,710

MISCELLANEOUS REAL ESTATE LOANS/LINES OF CREDIT INFORMATION

Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 000
REVERSE MORTGAGES
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

South Towns Community Federal Credit Union Member Offerings
First Time Homebuyer Program No
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards Yes
Overdraft Protection/Courtesy Pay No
Overdraft Lines of Credit Yes
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing Yes
Money Orders Yes
No Surcharge ATMs No
Home Banking Via Internet Website Yes