1st Gateway Credit Union Clinton IA | Affordable Vehicle Loans & Online Banking

Introduction

Welcome to 1st Gateway Credit Union in Clinton, IA! Located at 1504 N 2nd St, we have proudly served our community since 1953. Our mission is simple: to provide reliable financial services tailored to meet the needs of our members. With a total membership of 10,597 and assets exceeding $158 million, we are committed to ensuring your financial well-being. As part of our dedication to you, we offer a range of services, including personal banking, auto loans, mortgage options, and business banking solutions. We understand that every member has unique financial goals, which is why our experienced team is here to guide you every step of the way. Under the leadership of CEO Pat Drennen and Board President Kerry Kennedy, our credit union prioritizes building lasting relationships based on trust and transparency. In addition to exceptional service, we maintain a strong financial foundation with total deposits amounting to $24,330,586 and a net worth of $22,942,409. Our robust loan portfolio includes over 11,136 loans that empower our members to achieve their dreams whether it's buying a car or financing their education. While members can visit us at 1504 N 2nd St, official correspondence should be sent to the same address for your convenience. If you need assistance or have questions about our services, feel free to reach out at 563-243-0524. We invite you to explore all that 1st Gateway Credit Union has to offer by visiting our website at 1stgateway.org. Join us today and experience the difference of being part of a community-focused credit union!

Branch History & Mission

Commitment to Community

At 1st Gateway, we understand that financial health goes hand-in-hand with community wellness. We regularly partner with local charities and schools to support various initiatives aimed at improving the lives of those around us. Whether it's through educational programs or direct assistance, we strive to make a positive impact in every way possible.

Modern Banking Solutions

As technology advances, so do we. Our branch offers modern conveniences like online banking, mobile payments, and ATM access for easy transactions anytime you need them. We ensure that all our services comply with ADA standards so everyone can bank with ease. Join us today and discover how being a member of 1st Gateway Credit Union can benefit you! With a focus on personalized service and community support, we invite you to become part of our family where your financial well-being is our top priority. Visit us at our branch or check out our website at 1st Gateway for more information on membership benefits and services!

Our Mission

Our mission is clear: to empower our members through exceptional financial services while fostering a sense of community and support. We believe that everyone deserves access to quality banking solutions that help them thrive. That's why we are dedicated not only to providing competitive rates and innovative products but also to engaging actively with local organizations and initiatives. While members can visit us at 1504 N 2Nd St, official correspondence should be sent to 1504 N 2nd St, Clinton, IA 52732. We are here for you during our operating hours: Monday through Friday from 7:30 AM to 5:30 PM and Saturday from 7:30 AM to 12:00 PM.

Branch Location & Accessibility

Welcome to 1st Gateway Credit Union located at 1504 N 2nd St, Clinton, IA 52732! Our branch is easily accessible and situated in a friendly neighborhood, making it a convenient stop for all your banking needs. Whether you're on your way to the nearby Clinton Community College or exploring the local shops, we're here to help you manage your finances with ease. If you need to send us any official correspondence, please use our mailing address: 1504 N 2nd St, Clinton, IA 52732. We strive to make your visit as pleasant as possible. Our location features ample parking and ADA-compliant access to ensure everyone can reach us comfortably. At 1st Gateway, we understand that your time is valuable. That's why our lobby hours are designed for your convenience, open from 7:30 AM to 5:30 PM Monday through Friday, and our drive-thru service operates on Saturdays from 7:30 AM to 12:00 PM. You can always count on us for quick service whether you're making deposits, withdrawals, or simply stopping by to chat about our offerings. For those who prefer digital banking solutions, we offer easy access to ATMs and online services, including mobile banking options that allow you to manage your accounts anytime, anywhere. With our drive-thru banking service available, you can enjoy fast transactions without leaving your vehicle. Whether you're looking for personal banking services like checking and savings accounts or loans for vehicles and homes, we have something for everyone. Our friendly staff is always ready to assist you with all your financial needs. Feel free to give us a call at 563-243-0524 if you have any questions or would like more information about our services. We invite you to visit us today at 1st Gateway Credit Union, where banking is made simple and enjoyable!

Member Eligibility

Becoming a member of 1st Gateway is like opening the door to a welcoming community where your financial well-being is our priority. If you live, work, worship, or attend school in Clinton County or have a family member who is already a member, you're eligible to join us! At 1st Gateway, we believe in supporting our members with personalized service and a range of financial products that cater to your unique needs. You'll enjoy benefits like lower loan rates, higher savings yields, and access to valuable resources that help you achieve your financial goals. Ready to take the next step? It's easy! You can find all the detailed eligibility criteria at http://www.1stgateway.org/switchkit.html, which will guide you through the simple process of joining. If you have questions or need assistance, feel free to give us a call at (563) 243-0524. We're here to help you every step of the way! To start your membership journey, visit our account opening page at https://1stgateway-dn.financial-net.com/web/enrollment. We can't wait to welcome you to the 1st Gateway family!

Business Banking & Commercial Services

Commercial Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We also support the broader business community with $48 in non-member commercial loans, providing flexible financing solutions. Imagine having access to funds that allow you to invest in new equipment, hire additional staff, or even open a new location. Our loans empower entrepreneurs to bring their visions to life and turn aspirations into reality.

Merchant Services

In today's market, efficient payment processing is crucial for success. Our merchant services provide businesses with the tools they need to accept payments quickly and securely. From point-of-sale systems to online payment options, we ensure your customers have a smooth experience. This means you can focus on what you do best running your business while we handle the financial transactions. Contact us at (563) 243-0524 or visit us at 1504 N 2Nd St Clinton Ia 52732 to discover how our business banking and commercial services can fuel your growth!

Comprehensive List Of Services

ATM and Drive-Thru Services

Need quick access to cash? Our branch features an ATM for easy withdrawals, along with basic drive-thru banking services for deposits and simple transactions. This means whether you're rushing between errands or simply prefer not to come inside, we're here for you. At 1st Gateway, we're proud to serve our community in Clinton and beyond. If you have any questions about our services or want more information about how we can help you financially, please don't hesitate to reach out at 563-243-0524 or visit us online at 1stgateway.org. Your financial well-being is our priority!

Auto Loans and Vehicle Financing

If you're considering purchasing a new or used vehicle, our auto loans and vehicle financing options can make it happen. With competitive rates and flexible terms, you can drive off with the car of your dreams without breaking the bank. We understand how important reliable transportation is, so we strive to make the process as straightforward as possible.

Business Banking Services

For our members who are small business owners, we offer specialized business banking solutions including merchant services and business loans. We understand the unique challenges that businesses face, and we're here to support you every step of the way.

Convenient Digital Banking

In today's fast-paced world, convenience is key. That's why we provide robust online and mobile banking platforms. You can manage your accounts anytime, anywhere whether it's transferring funds, paying bills, or checking balances on-the-go using our user-friendly mobile app.

Credit Cards with Rewards

Make everyday spending rewarding with our credit cards that offer rewards. Whether you're planning a vacation or just want to earn cash back on regular purchases, our credit cards come with perks that add value to your financial experience.

Home Financing Options

Thinking about buying a home? Our mortgage loans and refinancing services can guide you through the journey of homeownership. We provide various mortgage options to fit different budgets and lifestyles. Whether it's your first home or you're looking to refinance an existing loan for better terms, we've got you covered.

Personal Banking Solutions

Whether you're opening your first checking account or looking to save for a big purchase, our personal banking options are designed with you in mind. We offer checking and savings accounts that help you manage your day-to-day finances effortlessly. Imagine having the ability to set aside money for future plans while also enjoying easy access to your funds whenever you need them.

Personal Loans for Life's Needs

Sometimes life throws unexpected expenses your way. Our personal loans and debt consolidation services can provide the financial relief you need when it matters most. These loans can help you cover everything from medical bills to home repairs, ensuring you have peace of mind during challenging times.

Digital & Online Banking

Key Services Offered

Our 24/7 online banking services allow you to check balances, transfer funds, and pay bills at your convenience. Whether you're at home or on the go, you have real-time control over your finances. Need to send money quickly? Our person-to-person transfers make it simple to send cash to friends or family with just a few taps on your phone. We also provide e-statements, so you can go green while keeping track of your financial activities without the hassle of paper statements. And if you're in a hurry, our mobile payments feature lets you pay securely using your smartphone no need for cash or cards!

Security and Accessibility

Your security is our priority. At 1st Gateway, we utilize electronic signature authorization for added protection when signing documents digitally. This ensures that your personal information stays safe while you enjoy the ease of online transactions. For those who prefer managing their finances on the go, our mobile application offers all the functionality of online banking right in your pocket. You can easily deposit checks, view transaction history, and set up alerts to keep track of your spending all from the comfort of your smartphone. In a world where time is valuable, 1st Gateway is committed to providing accessible and efficient banking solutions that fit into your lifestyle. Experience how easy banking can be by visiting us online today!

Financial Strength

Growing Membership Base

Total Share and Deposit Accounts: 21,184, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $31,226. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, 1st Gateway is your trusted partner. Visit us at 1504 N 2Nd St Clinton Ia 52732 or call (563) 243-0524 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our $965,000 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 44 full-time employees and 3 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvestment in Member Services

With $10,106,815 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 across various sectors, with $2,535 in used auto loans and $127,021,194 in total loans and leases.

Secure Savings Options

Members' savings are secured through $44,174,843 in share certificates and $24,734,148 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Strong Financial Position

With a net worth of $22,942,409, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,444 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

Additional Financing Options

If you're considering other types of financing, our total credit lines amount to $36,863,564, providing additional flexibility for your spending needs. Plus, if you're interested in refinancing any existing loans, our team is here to discuss eligibility options and help you find the best solution for your situation. For more information on our loan offerings or to explore how we can assist you further, feel free to reach out at (563) 243-0524. Our friendly staff is ready to answer any questions you may have. 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 Gateway, we're dedicated to helping our community thrive with reliable loan products designed with your needs in mind.

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $29,533,975 in used vehicle loans and $12,237,683 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 car, we have options that fit your budget.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $6,054,676, make buying or refinancing simple. We guide you through the process, ensuring you understand each step along the way.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $0 in loans helping members manage their finances effectively. This is an excellent option for those who want to consolidate debt or cover everyday expenses without the worry of collateral.

Loan Aggregator

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1St Gateway