Affordable Vehicle Loans & Business Banking | 1st Community Sparta WI Credit Union

Introduction

At 1st Community, we believe in building strong financial futures for our members and the community of Sparta, WI. Since our establishment in 1961, we have proudly served over 15,447 members with a commitment to providing exceptional banking services tailored to meet your needs. You can find us conveniently located at 1000 W Wisconsin St, Sparta, WI 54656, where our dedicated team is ready to assist you. With total assets exceeding $272,770,973 and total deposits around $19,937,779, we are here to support your financial journey, whether you're looking for a new auto loan, mortgage options, or everyday banking services. Our CEO, Brad Bauges, and Board President, Wendy Whitehead, lead a team of 58 employees who are passionate about helping you achieve your financial goals. While members can visit us at our branch address for all their banking needs, official correspondence should be sent to our mailing address: P.O. Box 167, Sparta, WI 54656. At 1st Community, our commitment goes beyond numbers; it's about making a difference in the lives of our members and contributing to the local economy. We offer a range of services including personal loans, credit cards with rewards, business banking solutions, and easy online and mobile banking options. Our total loan portfolio stands at an impressive 9,315, reflecting our dedication to empowering our community through accessible financing. We invite you to reach out to us at (608) 269-8121 or explore our website at 1stccu.com to learn more about how we can help you thrive financially. Join us in creating a brighter future together!

Branch History & Mission

At 1st Community, we are proud of our rich history and commitment to serving the community of Sparta, Wisconsin. Since our establishment in 1961, we've grown from a small credit union into a trusted financial partner for over 15,447 members. Our branch is located at 1000 W Wisconsin St, Sparta, WI 54656, conveniently situated near local landmarks that make us easily accessible. Our mission is simple yet profound: to empower our members through personalized financial services while fostering a spirit of community support. We believe that banking should be more than just transactions; it should be about building relationships and enhancing lives. This commitment drives us to offer a range of services, including personal and business banking, auto loans, mortgage options, and credit cards with rewards tailored to meet your needs. Over the years, we have achieved significant milestones. Today, our total assets stand at an impressive $272,770,973, showcasing our stability and ability to serve our members effectively. Our success has been built on trust and transparency, making us a reliable choice for financial needs. At 1st Community, we understand the importance of convenience in today's fast-paced world. That's why we offer modern banking solutions such as online banking and mobile payments. You can access your account anytime from anywhere. Additionally, our ATM availability and drive-thru service ensure that you can manage your finances with ease. While our physical address serves as the hub of our operations, official correspondence can be sent to P.O. Box 167, Sparta, WI 54656 if needed. We invite you to visit us during our operating hours: Monday through Friday from 8:00 a.m. to 5:00 p.m. and Saturday from 8:00 a.m. to 11:30 a.m. As we move forward, we remain dedicated to enhancing our community outreach efforts and forming partnerships that uplift those around us. The heart of what we do lies in supporting not just individual financial goals but also contributing positively to the community as a whole. Join us at 1st Community today! Experience firsthand how we can help you achieve your financial aspirations while being part of a caring community-focused organization. Reach out by calling us at 608-269-8121 or visit our website at 1stccu.com. Together, let's build a brighter financial future!

Branch Location & Accessibility

Convenient Access

At 1st Community, accessibility is a priority. We have ample parking available right outside our door, ensuring a hassle-free visit. Our branch is also fully compliant with ADA standards, featuring ramps and other accommodations to assist all members of our community.

Get in Touch!

If you have any questions or need assistance, don't hesitate to reach out! You can give us a call at 608-269-8121. We look forward to welcoming you into our branch soon come by today and experience the exceptional service that makes 1st Community your trusted financial partner!

Operating Hours

We understand that life can be busy, so we've designed our operating hours to fit your schedule. You can visit us Monday through Friday from 8:00 a.m. to 5:00 p.m., and on Saturdays from 8:00 a.m. to 11:30 a.m. These hours give you plenty of opportunities to come in and take care of your banking needs without the rush.

Services Offered

Our branch provides a variety of services tailored just for you. From checking and savings accounts to auto loans, mortgage loans, and credit cards with rewards, we've got you covered. Need a quick transaction? Enjoy our drive-thru banking for deposits and withdrawals without leaving your vehicle. Plus, we offer ATM access for those who prefer cash withdrawals or balance checks on the go. While members can visit us at 1000 W Wisconsin St, official correspondence should be sent to P.O. Box 167, Sparta, WI 54656 if needed.

Member Eligibility

Joining the 1st Community is like becoming part of a caring family that looks out for your financial well-being. To become a member, you simply need to meet certain eligibility criteria, which are designed to be inclusive and welcoming. Generally, anyone who lives, works, worships, or attends school in the Sparta area can join us. We believe that financial support should be accessible to everyone in our community, and by becoming a member at 1st Community, you'll enjoy benefits like lower loan rates, higher savings yields, and personalized service tailored just for you. Getting started is easy! If you're ready to take the next step towards membership or want to learn more about what it entails, feel free to reach out to us at (608) 269-8121 or visit our branch located at 1000 W Wisconsin St Sparta Wi 54656. For detailed eligibility criteria and updates, check out our resource page at . We can't wait to welcome you into our community!

Business Banking & Commercial Services

Lending Solutions

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $116 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $13,594,751, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to lending, we offer merchant services that simplify payment processing for your business. Imagine having a solution that allows you to accept credit cards seamlessly, manage transactions efficiently, and improve customer satisfaction all while saving time and reducing costs. Our merchant services empower you to focus on what you do best: running your business. Located at 1000 W Wisconsin St Sparta Wi 54656 in Sparta, WI, our team is ready to partner with you on your journey to success. Whether you're looking for a loan or need assistance with merchant services, give us a call at (608) 269-8121. Let's work together to turn your business dreams into reality!

Comprehensive List Of Services

Additional Financial Services

We understand life can throw unexpected expenses your way; that's why we also provide Personal Loans & Debt Consolidation services. Whether it's a medical bill or home improvement project, having access to quick cash can be a relief. Our loans are designed to help simplify your finances and reduce stress. If rewards matter to you, consider our Credit Cards with Rewards program. Earn points for every purchase you make and redeem them for exciting rewards just another way we help you make the most out of your spending. For business owners, our Business Banking services offer essential solutions like Merchant Services & Business Loans. We're here to support local businesses with tools that help them thrive and grow.

Modern Banking Features

In today's fast-paced world, convenience is key. That's why we provide robust Online & Mobile Banking options, allowing you to manage your accounts from anywhere at any time. Whether it's paying bills, transferring funds, or checking balances on the go, we've made banking simpler and more accessible. You can also rely on our ATM & Cash Withdrawal Services, which are available round-the-clock for quick access to cash when you need it most. And if you prefer face-to-face interactions for basic transactions like deposits and withdrawals, our Basic Drive-Thru Banking is ready for you during lobby hours. With these comprehensive services at 1st Ccu Sparta, we're committed to meeting all your financial needs under one roof. If you're ready to take control of your financial future or have any questions about how we can assist you further, don't hesitate to reach out! Call us at (608) 269-8121, visit us at our branch in Sparta, or check out more online at our website. We look forward to serving you!

Personal Banking Solutions

One of our key offerings is Personal Banking, which includes Checking & Savings Accounts designed to help you manage your day-to-day finances effectively. Imagine having a hassle-free way to handle your money while earning interest on your savings. With our accounts, you can easily access your funds whenever needed. If you're considering a new vehicle, our Auto Loans & Vehicle Financing options make it easier than ever. Picture yourself behind the wheel of that new car with financing that fits your budget. We offer competitive rates and flexible terms to ensure you get the best deal possible. For those looking to buy a home or refinance an existing mortgage, our Mortgage Loans & Refinancing services can guide you through every step. You'll receive personalized assistance to find a loan that meets your needs, so you can focus on making memories in your new space.

Digital & Online Banking

Key Features for Your Convenience

Our online banking platform offers a variety of features to enhance your experience. You can easily set up e-statements, allowing you to view your account statements electronically no more cluttering your mailbox! And if you're always on the move, our mobile payments feature lets you make quick transactions without pulling out your wallet. Need to send money to a friend? Our person-to-person transfers make it easy and fast. Just a few clicks, and you can send funds directly from your account to theirs. We also prioritize security with electronic signature authorization, which ensures that your transactions are safe and verified. You can feel confident knowing that we have measures in place to protect your information. In today's fast-paced world, having real-time access to your finances is essential. With our user-friendly digital banking options, staying on top of your financial health has never been easier. Join us at 1st Community and explore how our digital services can fit into your lifestyle!

Financial Strength

Commitment to Growth

With $21,980,097 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 across various sectors with $2,507 in used auto loans and $203,767,242 in total loans and leases.

Member-Focused Savings

Members' savings are secured through $76,782,984 in share certificates and $30,030,917 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $2,236,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our $1,455,857 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 55 full-time employees and 3 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Solid Financial Health

With a net worth of $23,592,496, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $864 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Trustworthy Partnership

Net Shares (Funds available for lending and investments): $0. Total Share and Deposit Accounts: 35,079, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, 1st Community is your trusted partner. Visit us at 1000 W Wisconsin St Sparta Wi 54656 or call (608) 269-8121 to learn more about how we can help you achieve your financial goals.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $39,235,816 in used vehicle loans and $16,363,745 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive rates for both new and used vehicles.

Business Loans

For business owners, our outstanding commercial loans totaling $13,594,751 provide the capital needed to grow and expand. We understand the unique challenges faced by businesses and aim to deliver financial solutions that empower your growth.

Credit Lines

If you need additional financial flexibility, our total credit lines amount to $42,684,228. This option is perfect for those who want access to funds whenever they need them without the hassle of applying for a new loan each time.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $17,318,246, make buying or refinancing simple. We offer personalized assistance to ensure you find a mortgage that fits your budget and lifestyle.

Refinancing Options

We also offer refinancing options across our loan products to help you lower your monthly payments or reduce your interest rates. If you're interested in exploring eligibility options for refinancing or applying for any of our loans, don't hesitate to reach out. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. At 1st Community, we pride ourselves on being here for our members' financial needs whether it's purchasing a car or securing a mortgage. Visit us today or give us a call; we're ready to help you achieve your goals!

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $5,993,695 in loans helping members manage their finances effectively. These cards come with various benefits designed to suit your spending habits while providing peace of mind.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Users benefit from up-to-date loan rates from multiple institutions, helping them make informed decisions quickly. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This testimonial underscores the platform's effectiveness in delivering valuable insights. Compare real-time loan offers today at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

How LendMesh Ensures Accurate 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 tailored to their needs. By focusing on verified sources, LendMesh guarantees that all information is accurate and up-to-date.

1ST COMMUNITY CREDIT UNION