Best Auto Loans & Business Banking | 1st Community West Salem WI Credit Union

Introduction

Welcome to 1st Community, your trusted financial partner in West Salem, Wisconsin! Located at 1410 W City Highway 16, we have been serving our community since 1961. With a strong commitment to our members, we currently support over 15,447 individuals and families, ensuring they achieve their financial goals. At 1st Community, we pride ourselves on offering a range of services tailored to meet your needs. Whether you're looking for personal banking solutions like checking and savings accounts, auto loans, or business banking options, we've got you covered. Our total assets stand at an impressive $272,770,973, reflecting our stability and dedication to providing top-notch financial services. Our CEO, Brad Bauges, along with Board President Wendy Whitehead, lead a team of 58 employees who are eager to assist you. We understand the importance of having reliable financial guidance and strive to foster relationships built on trust and transparency. With a net worth of $23,592,496 and cash in hand amounting to $1,541,597, we ensure that your funds are safe with us. In addition to our extensive offerings like competitive loan rates and excellent customer service we also provide convenient online and mobile banking options. You can easily access your accounts anytime from anywhere! While members can visit us at our branch address, official correspondence should be sent to P.O. Box 913, West Salem, WI 54669 if needed. If you're ready to experience personalized banking with a community touch, don't hesitate to reach out! Call us today at 608-786-2420 or visit our website at 1stccu.com. We're here for all your banking needs!

Branch History & Mission

Commitment to Innovation and Accessibility

As times change, so do we. At 1st Community, we embrace digital advancements to provide convenient banking options. Our online and mobile banking platforms allow members to manage their finances with ease whether it's checking balances or making deposits on-the-go. Additionally, our ADA-compliant facilities ensure that everyone can access our services comfortably.

Community Involvement

We are deeply rooted in West Salem and believe in giving back through various partnerships and community programs. From sponsoring local events to supporting charitable causes, we strive to make a positive impact where it matters most. Join us today! Whether you're looking for everyday banking services or planning your financial future, become part of the 1st Community family and experience firsthand how we can help you thrive. For more information or assistance, please contact us at 608-786-2420 during our operating hours: Monday through Friday from 8:00 AM to 5:00 PM and Saturday from 8:30 AM to 12:00 PM. Let's build a brighter future together!

Our Journey

Since our inception more than six decades ago, 1st Community has experienced remarkable growth. With total assets now exceeding $272 million, we've been able to expand our services while maintaining a personal touch that our members value. Our dedicated team of 58 employees works tirelessly to ensure that every member feels like part of the family. We are proud to offer a range of services, including personal banking, auto loans, mortgages, and business banking solutions.

Our Mission

Our mission at 1st Community is simple yet profound: to enhance the financial well-being of our members and foster strong community ties. We believe that by providing accessible financial services and support, we can empower our members to achieve their dreams. This commitment extends beyond mere transactions; we actively engage in community outreach initiatives that strengthen the fabric of West Salem. While members can visit us at 1410 W City Highway 16, official correspondence should be sent to P.O. Box 913, West Salem, WI 54669 if needed.

Branch Location & Accessibility

Convenient Access and Nearby Landmarks

Our location is just a stone's throw away from popular local landmarks, ensuring that we're close to where you live and work. Parking is available on-site, making your visit as hassle-free as possible. We are also committed to accessibility for all members; our branch meets ADA compliance standards with features like ramps and designated parking spots.

Friendly Hours for Your Convenience

At 1st Community, we want to make banking easy for you. Our lobby hours run from Monday through Friday from 8:00 a.m. to 5:00 p.m., and on Saturdays, our drive-thru is open from 8:30 a.m. to 12:00 p.m. Whether you're stopping by during your lunch break or on the weekend, we're here to help!

Services Tailored for You

We offer a wide range of services designed to meet your financial needs from personal banking options like checking and savings accounts to auto loans and mortgages. Need cash? Our ATM is available for quick withdrawals and balance checks. Plus, if you prefer handling transactions from the comfort of your home, our online and mobile banking services make managing your finances simple.

Stop By or Give Us a Call

We invite you to visit us at our West Salem branch or call us at 608-786-2420 with any questions you may have. At 1st Community, we're dedicated to serving our members with the care they deserve come see what we can do for you!

Member Eligibility

At 1st Community, we believe that everyone deserves to be part of a supportive financial community. Joining us is simple and welcoming! To become a member, you just need to meet a few friendly criteria. If you live, work, or worship in the local area, you're likely eligible to join our credit union family. We aim to provide you with personalized financial services tailored to your needs, whether it's saving for the future or financing that dream vehicle. For more detailed information about eligibility, feel free to check out this resource. Opening an account with us is an easy process that can be started by calling us at (608) 786-2420 or visiting our branch located at 1410 W City Highway 16 West Salem Wi 54669. Our dedicated team is here to guide you through every step and answer any questions you may have. We look forward to welcoming you into our 1st Community community!

Business Banking & Commercial Services

Merchant Services That Work for You

In today's fast-paced market, efficient payment processing is crucial. Our merchant services empower you to accept payments seamlessly, allowing you to focus on what you do best running your business. By providing flexible solutions tailored to your needs, we ensure that managing transactions is as straightforward as possible. Located at 1410 W City Highway 16 West Salem Wi 54669 in West Salem, WI, we're here to assist you during our operating hours from Monday to Friday, 8:00 a.m. to 5:00 p.m., and Saturday from 8:30 a.m. to 12:00 p.m. Call us at (608) 786-2420 to learn how we can support your business goals!

Supporting Your Growth

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.

Comprehensive List Of Services

Banking at Your Fingertips

In today's fast-paced world, convenience is key. That's why we've made online and mobile banking a priority at 1st Ccu West Salem. You can easily check balances, transfer funds, or pay bills from anywhere using our secure platform. And if you need cash on the go, our ATM services are readily available for withdrawals and balance checks.

Drive-Thru Convenience

For those who prefer face-to-face interactions but value time efficiency, our drive-thru service allows for quick deposits, withdrawals, and simple transactions without leaving your car. We invite you to explore all these services tailored to meet your unique financial needs at 1st Community. If you have any questions or need assistance, don't hesitate to reach out at (608) 786-2420. Our doors are open Monday through Friday from 8:00 a.m. to 5:00 p.m., with Saturday hours from 8:30 a.m. to 12:00 p.m. At 1st Community, we're here to support your journey toward financial well-being come see how we can help!

Financial Flexibility

When unexpected expenses arise, having access to personal loans and debt consolidation options can provide much-needed relief. We understand that life happens, and our flexible lending solutions can help you regain control over your finances.

Home Ownership Opportunities

If you're considering buying a home or refinancing an existing mortgage, our mortgage loans are crafted to guide you through every step of the process. Our experienced staff will help you find the right loan option that meets your financial situation.

Personal Banking Made Simple

Our personal banking options include checking and savings accounts designed to help you manage your money with ease. Imagine having a checking account that keeps your funds secure while also offering features like online banking and mobile payments for quick transactions. For those looking to finance a vehicle, our auto loans and vehicle financing can make your dream car a reality, with competitive rates that fit your budget.

Rewarding Credit Options

Looking for a credit card? Our credit cards come with rewards that allow you to earn points on purchases. It's like getting paid back while you spend!

Supporting Local Businesses

For entrepreneurs and local businesses, we offer business banking services including merchant services and business loans. We take pride in supporting our community's growth by providing the financial tools necessary for success.

Digital & Online Banking

Key Features

One of the standout features is our mobile application, which allows you to manage your finances right from your smartphone. Need to make a quick payment? With our mobile payments feature, you can easily send money or make purchases without hassle. Plus, if you're ever in a pinch and need to send money to friends or family, our person-to-person transfer option makes it quick and easy. Security is paramount in everything we do. That's why we offer electronic signature authorization for documents making it safe and straightforward to approve transactions without needing to visit a branch. For those who prefer paperless options, we provide e-statements that help keep your financial records organized and easily accessible. Our user-friendly tools are designed with you in mind. You can effortlessly manage all aspects of your accounts, making banking feel less like a chore and more like a breeze. Join us at 1st Community as we bring banking directly to you wherever life takes you!

Financial Strength

Member 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 commitment to operational efficiency is reflected in our $1,455,857, which enables 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.

Reinvestment for 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 members' financial goals with $2,507 in used auto loans and $203,767,242 in total loans and leases.

Solid Foundation

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.

Strong Membership Base

With a total of 35,079 share accounts, we showcase 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 1410 W City Highway 16 West Salem Wi 54669 or call (608) 786-2420 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. Whether you're interested in financing a brand-new model or a reliable used vehicle, our team at 1st Community is here to help you find the right fit for your budget and lifestyle.

Business Loans

For business owners, our outstanding commercial loans totaling $13,594,751 provide the capital needed to grow and expand. We understand that running a business comes with its own unique set of challenges. Our dedicated team is ready to work with you to develop financing solutions tailored to your business needs.

Credit Lines

Additionally, we offer credit lines totaling $42,684,228, giving our members access to funds when they need it most. A line of credit can be an excellent tool for managing cash flow or covering unexpected expenses without going through a lengthy application process each time. At 1st Community, we prioritize transparency and accessibility in our lending practices. If you're considering refinancing any of these options or want to learn more about eligibility requirements for any loan product we offer, please don't hesitate to reach out. You can contact us at 608-786-2420 or visit us at our branch located at 1410 W City Highway 16 West Salem WI 54669 during our operating hours: Monday - Friday from 8:00 a.m. to 5:00 p.m., and Saturday from 8:30 a.m. to 12:00 p.m. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Let us help you take the next step towards achieving your financial aspirations!

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 provide personalized service to help you understand your options and guide you through the mortgage process smoothly. Whether you're a first-time buyer or looking to refinance an existing mortgage, our team can assist you every step of the way.

Unsecured Credit Card Loans

Managing everyday expenses can sometimes be challenging. That's why 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. This product provides convenience and flexibility for those who need a little extra support while maintaining control over their spending.

Loan Aggregator

Accurate Loan Comparisons

LendMesh ensures accurate loan comparisons by sourcing its data 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 commitment to verified data guarantees that users receive fair and transparent offers tailored to their needs.

Benefits of Using LendMesh

Using LendMesh offers several key benefits: - Verified Data: All loan offers come from legitimate financial institutions, ensuring transparency in every comparison. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results for users seeking the best options. - Real-Time Rate Comparisons: With up-to-date loan rates from multiple institutions, users can make informed decisions without delay. 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 testament speaks volumes about the effectiveness and reliability of the tool. If you're ready to take control of your finances and discover the best loan rates available, 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.

1ST COMMUNITY CREDIT UNION