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

Introduction

Welcome to 1st Community, your trusted financial partner located at 1410 W City Highway 16, West Salem, WI 54669. Established in 1961, we have proudly served our community for over six decades. With a strong commitment to our members, we currently boast a total membership of 15,447 and manage assets totaling an impressive $272,770,973. At 1st Community, we understand that every financial decision matters. That's why we offer a range of services tailored to meet your needs from personal banking options like checking and savings accounts to auto loans and mortgages. Our team is dedicated to providing you with the best possible experience as you navigate your financial journey. Our leadership is anchored by CEO Brad Bauges and Board President Wendy Whitehead, who both prioritize member satisfaction and community engagement. We're proud to have a skilled team of 58 employees ready to assist you during our lobby hours from Monday to Friday, 8:00 a.m. to 5:00 p.m., and on Saturdays from 8:30 a.m. to 12:00 p.m. While members can visit us at our branch location, official correspondence should be sent to our mailing address at P.O. Box 913, West Salem, WI 54669. With total loans amounting to 9,315, total deposits reaching $19,937,779, and net worth standing at $23,592,496, we are well-equipped to support your financial aspirations. Plus, with $1,541,597 in cash on hand and a commitment to responsible lending practices reflected in our net member business loan balance of $14,182,644 we're here to help you achieve your goals. Come visit us or give us a call at 608-786-2420; we're eager to assist you in any way possible! For more information about our services and offerings, feel free to explore our website at [1stccu.com]( https://www.1stccu.com/ ). Your journey towards better financial health starts here!

Branch History & Mission

Community Engagement

Community engagement is vital to who we are. We actively seek out opportunities for outreach and partnership with local organizations, ensuring that our impact extends beyond financial services alone. We believe in giving back and supporting initiatives that uplift our community. Join us at 1st Community and become part of a credit union that prioritizes people over profits! Experience firsthand how we can help you achieve your financial goals while making a difference in the West Salem area. For inquiries or more information about joining us, please call us at 608-786-2420 or visit us online at [1stccu.com]( https://www.1stccu.com/ ). Together, let's build a brighter future!

Our Mission

At the heart of 1st Community's mission is a simple yet powerful goal: to enrich the lives of our members and contribute positively to our community. We strive not only to offer robust financial products but also to foster an environment where every member feels valued and empowered. Our mission reflects our commitment to providing accessible and affordable financial solutions while supporting community initiatives and partnerships. As we continue to embrace technological advancements such as online banking and mobile payments, we remain dedicated to enhancing your experience with us. We ensure that our facilities are ADA compliant so everyone can access our services comfortably. Our drive-thru service allows for quick transactions without needing to leave your vehicle ideal for busy schedules!

Branch Location & Accessibility

Get in Touch!

Have questions? Don't hesitate to reach out at 608-786-2420. We're excited to help you achieve your financial goals at 1st Community! Come visit us today; we look forward to serving you!

Nearby Landmarks and Accessibility Features

Our branch is just a short drive from popular spots like the West Salem High School and the scenic La Crosse River. You'll find ample parking available right outside our doors, making it simple for you to pop in for a visit. We take pride in ensuring our facilities are accessible to everyone, featuring ADA-compliant entrances and ramps.

Operating Hours

At 1st Community, we understand that life can be busy. That's why we're 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. Our drive-thru service offers additional convenience for those quick transactions you need on the go.

Services Offered

We offer a variety of services tailored to meet your personal and business banking needs. From checking and savings accounts to auto loans and mortgage options, our knowledgeable staff is ready to assist you every step of the way. Plus, with an ATM on-site, accessing your funds is quick and easy. While members can visit us at 1410 W City Highway 16 West Salem Wi 54669, official correspondence should be sent to P.O. Box 913, West Salem, WI 54669 if needed.

Member Eligibility

Joining the 1st Community is like stepping into a warm and welcoming family where your financial goals are prioritized. If you're looking to become a member, you'll be glad to know that eligibility is designed to be inclusive and straightforward. Generally, anyone who lives, works, or worships in the local area can apply for membership. This means that whether you're a long-time resident or new to West Salem, you have the opportunity to benefit from our range of services tailored just for you. Plus, as a member of 1st Community, you gain access to personalized banking solutions that make managing your finances easier and more rewarding. To get started with opening an account at 1st Community, simply reach out to us at 608-786-2420 or visit our branch located at 1410 W City Highway 16, West Salem, WI 54669. For detailed eligibility criteria and any updates, feel free to check out our website at https://www.1stccu.com/ . We're here to help you every step of the way!

Business Banking & Commercial Services

Business Loans That Fuel 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. Imagine having the capital needed to purchase new equipment or hire additional staff, allowing you to serve your customers better and grow your bottom line. Whether it's a short-term loan or a long-term investment, we have options that suit your unique needs.

Practical Merchant Services

In addition to loans, we offer merchant services that make transactions easier for you and your customers. Think about how convenient it is when you can accept various payment methods seamlessly this not only improves customer satisfaction but can also increase sales. Our services simplify the way you do business, letting you focus on what matters most: growing your company. Visit us at 1410 W City Highway 16 West Salem Wi 54669 or call us at (608) 786-2420 to learn more about how 1st Community can support your business goals today!

Comprehensive List Of Services

ATM and Drive-Thru Services

For those who prefer traditional banking methods, we offer convenient ATM services for quick cash withdrawals and balance checks. Our basic drive-thru banking allows for simple transactions like deposits and withdrawals without leaving your car perfect for those busy days! At 1st Community, our commitment goes beyond just providing services; it's about building relationships with our members in the community. If you're looking for personalized financial solutions backed by a friendly team, don't hesitate to reach out! Call us at (608) 786-2420 or visit us at 1410 W City Highway 16 West Salem Wi 54669 today. Experience how we can assist you on your financial journey!

Business Banking Options

For our business members, we offer comprehensive business banking services, including merchant services and business loans that help you manage cash flow and invest in growth opportunities. We know running a business is challenging, so we aim to provide flexible solutions tailored specifically for entrepreneurs.

Convenient Digital Banking

In today's fast-paced world, convenience is key. That's why we have invested in robust online and mobile banking platforms that let you access your accounts anytime, anywhere. With features like person-to-person payments, mobile payments, and electronic statements, managing your money has never been easier.

Credit Cards with Benefits

Our credit cards with rewards allow you to earn while you spend. Whether you're planning a weekend getaway or simply buying groceries, every purchase can bring you closer to exciting rewards.

Personal Banking Solutions

When it comes to personal banking, we offer checking and savings accounts tailored for your lifestyle. Whether you're saving for a vacation or managing day-to-day expenses, our accounts come with features that help you track and grow your savings effectively. You can also take advantage of our auto loans and vehicle financing options, making it easy for you to drive away in your dream car without breaking the bank. If homeownership is on your horizon, our mortgage loans and refinancing services are designed to simplify the process. We work with you to find the right mortgage solution that fits your budget, ensuring that your path to owning a home is as smooth as possible. For those unexpected expenses or consolidating debt, our personal loans can provide the financial support you need.

Digital & Online Banking

Key Features

With our online banking platform, you can enjoy the convenience of electronic statements, allowing you to view your account activity without the clutter of paper. Plus, for those important documents that require a signature, our electronic signature authorization feature makes it quick and easy to get things done without needing to visit a branch. Need to make payments or send money? Our mobile payments feature lets you pay with just a tap on your phone. You can also take advantage of person-to-person transfers, so sending money to friends or family is effortless. For added convenience, our mobile application is available for download, putting your bank right in your pocket. This user-friendly app allows you to manage your accounts on-the-go and provides real-time updates on your transactions.

Security and Accessibility

Security is a top priority for us. Our online banking services are equipped with the latest security measures to keep your information safe while you manage your accounts from the comfort of home or while out and about. Whether you're checking your balance or making payments, rest assured that your data is protected. With all these features at your fingertips, managing your finances has never been easier. Join us at 1st Community and experience how our digital banking solutions can simplify your life today!

Financial Strength

Commitment to Growth

With $21,980,097 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Our capacity for lending is evidenced by $203,767,242 in total loans and leases, which support various financial goals across our member base.

Growing Member Base

Total Share Accounts stand at 35,079, demonstrating a strong and growing member base that trusts us with their finances. This trust is vital as it allows us to expand our offerings while maintaining the high level of service you've come to expect from us. 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.

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 net income of $1,455,857 reflects our operational efficiency. This allows us to continue offering competitive loan rates and solid financial products for our members. Additionally, we 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 and committed team.

Strong Financial 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.

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 new or used vehicle, we provide flexible options to suit your budget.

Business Loans

For business owners, our outstanding commercial loans totaling $13,594,751 provide the capital needed to grow and expand your business operations. At 1st Community, we are dedicated to providing clear information about each of our loan products and ensuring that you find the best fit for your situation. We also offer refinancing options; please ask our staff for details on eligibility. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Visit us today or check out our website at [1stccu.com]( https://www.1stccu.com ) for more information on how we can support you with your financial journey!

Credit Lines and Unsecured Credit Cards

For those looking for added flexibility in managing finances, we have total credit lines reaching $42,684,228 and unsecured credit card loans totaling $5,993,695. These options help you manage unexpected expenses or make purchases without depleting your savings.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $17,318,246, allowing you to take that important step towards owning your dream home.

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1St Community