1st Gateway Credit Union Fulton IL | Affordable Auto Loans & ATM Access

Introduction

Welcome to 1st Gateway, your trusted financial partner located at 415 10Th Ave, Fulton, IL 61252. Since our establishment in 1953, we have proudly served our community with a commitment to building strong relationships and providing exceptional financial services. With over 10,597 members, we are dedicated to meeting the needs of individuals and families across the region. At 1st Gateway, we believe that everyone deserves access to financial resources that help them thrive. Our total assets of $158,926,749 and total deposits of $24,330,586 reflect our stability and dedication to our members' financial well-being. We offer a wide range of services including personal banking, auto loans, mortgage loans, business banking solutions, and much more. Our leadership team is here to guide you on your financial journey. Under the direction of our CEO, Pat Drennen, and Board President, Kerry Kennedy, we strive to create an environment where every member feels valued and supported. Our team of 47 dedicated employees is ready to assist you during our lobby hours from Monday through Friday, 8:30 AM to 5:30 PM, and Saturday from 9:00 AM to 12:00 PM. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to our mailing address at 415 10th Av, Fulton, IL 61252-1735. Join us at 1st Gateway where your financial goals are within reach! Feel free to call us at 815-589-9053 or visit our website at 1st Gateway for more information. Let us help you build a brighter financial future today!

Branch History & Mission

A Journey of Growth

When we first opened our doors in 1953, our mission was simple: to offer accessible financial solutions that empower individuals and families. Since then, we have continually evolved to meet the changing needs of our community. Today, with total assets exceeding $158 million, we are proud to offer a wide range of services including checking and savings accounts, auto loans, mortgages, personal loans, and business banking options. Our operating hours reflect our dedication to serving you better: Monday through Friday from 8:30 AM to 5:00 PM and Saturday from 9:00 AM to 12:00 PM. We also provide convenient drive-thru banking and ATM access for those on the go.

Community Engagement

We take pride in being an active participant in the Fulton area. Our outreach efforts include educational workshops on financial literacy and partnerships with local organizations aimed at enhancing community well-being. By investing in our community's future, we strive to make a meaningful impact on the lives of those we serve. In this digital age, we embrace technology while ensuring accessibility for everyone. With features like online banking, mobile payments, and e-statements available to our members, managing finances has never been easier or more secure. Join us at 1st Gateway and experience firsthand how we can help you reach your financial goals. Whether you're looking for a reliable place to save or need assistance with a loan application, we're here to support you every step of the way. Feel free to give us a call at (815) 589-9053 or visit us online at 1st Gateway. Together, let's pave the way toward a brighter financial future!

Our Mission

At 1st Gateway, our mission goes beyond just providing financial services. We aim to build stronger communities by supporting local initiatives and fostering partnerships that create opportunities for growth and development. We believe that when our members succeed, we all succeed. While members can visit us at our branch location for personalized service, official correspondence should be sent to our mailing address at 415 10th Av, Fulton, IL 61252-1735.

Branch Location & Accessibility

Convenient Access and Parking

At 1st Gateway, we understand how important accessibility is for our members. Our branch features ample parking and is designed with ADA compliance in mind, including ramps for easy access. Whether you're visiting us for personal banking or business services, we've made it simple and welcoming for everyone.

Get in Touch!

Have questions or need assistance? Feel free to give us a call at (815) 589-9053. We invite you to come visit us at the branch or explore our website at 1st Gateway for more information on how we can help you achieve your financial goals. We look forward to serving you!

Operating Hours That Fit Your Schedule

We know that life can get busy, which is why we offer flexible operating hours. You can visit us Monday through Friday from 8:30 AM to 5:00 PM, and on Saturdays from 9:00 AM to 12:00 PM at our drive-thru. Our dedicated team is here to assist you during these hours, ensuring that your banking experience is smooth and enjoyable.

Services Designed for You

At 1st Gateway, we offer a variety of services that cater to both personal and business needs. From checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. If you prefer digital banking, our online and mobile services make managing your finances easy and convenient. Additionally, our ATM is available for quick cash withdrawals and balance checks. While members can visit us at 415 10Th Ave, official correspondence should be sent to our mailing address at 415 10th Av, Fulton, IL 61252-1735.

Member Eligibility

At 1st Gateway, we're excited to welcome you into our close-knit community of members! Becoming a part of our family is simple and inclusive. To be eligible, you just need to live, work, or worship in the Fulton area or belong to one of the groups we support. It's all about connecting with people who share similar values and goals. You can find more detailed eligibility criteria on our website at http://www.1stgateway.org/switchkit.html. Once you see that you're eligible, opening an account is a breeze! Just visit us at our branch located at 415 10Th Ave Fulton Il 61252 or check out the online account opening process available here: https://1stgateway-dn.financial-net.com/web/enrollment. If you have any questions, feel free to reach out at (815) 589-9053. We can't wait to have you on board and help you achieve your financial dreams!

Business Banking & Commercial Services

Business Loans Tailored for Growth

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 needing funds to expand your operations or invest in new equipment. With our straightforward loan processes, you can secure the financial backing you need to take your business to the next level.

Merchant Services That Simplify Transactions

In today's fast-paced environment, having efficient payment solutions is vital for success. Our merchant services enable businesses to accept payments easily and securely, allowing you to focus more on what matters growing your enterprise. Picture this: a customer walks into your store, makes a purchase seamlessly with their card, and you're ready to serve the next one without missing a beat. If you're looking for a partner who genuinely cares about your business's growth, visit us at 415 10Th Ave Fulton Il 61252 in Fulton, IL or give us a call at (815) 589-9053. Together, let's build a thriving community!

Comprehensive List Of Services

Business Banking

At 1st Gateway, we also recognize the unique needs of local businesses. Our business banking services, including merchant services and business loans, are aimed at helping entrepreneurs thrive in today's competitive environment. We work closely with business owners to provide solutions that support growth and success.

Digital Banking Convenience

To make managing your finances easier than ever, we offer robust online and mobile banking features. With these tools, you can check balances, transfer funds, and pay bills from anywhere at any time. Whether you're at home or on the go, accessing your accounts is just a few clicks away. Need cash? Our ATM and cash withdrawal services ensure you have access to your money whenever you need it. Plus, our drive-thru banking allows for simple transactions like deposits and withdrawals without having to leave your car.

Get In Touch!

We invite you to visit us at 415 10Th Ave Fulton Il 61252 or call us at (815) 589-9053 to learn more about how we can support your financial goals. Our team is eager to assist you with any questions you may have about our services. Experience the friendly service and commitment that sets 1st Gateway apart as your trusted financial partner in Fulton, IL!

Personal Banking

We understand that managing your personal finances can be challenging. That's why we offer various personal banking options, including checking and savings accounts that suit different lifestyles. Whether you're saving for a special occasion or need everyday access to your funds, we have the right account for you. For those considering buying a vehicle, our auto loans and vehicle financing options make it easy to get behind the wheel of your dream car. We also provide mortgage loans and refinancing services, ensuring you find the perfect home loan or can lower your monthly payments if you already own a home. If unexpected expenses arise, our personal loans and debt consolidation services are designed to help you regain control over your finances. Plus, don't forget about our rewarding credit cards, which come with benefits that can enhance your spending experience.

Digital & Online Banking

Explore Our Online Banking Services

Visit us at https://www.1stgateway.org/ to discover the full suite of online banking features available to you. Whether you want to check your balance, pay bills, or transfer money, our 24/7 online banking services have got you covered. You can easily manage your accounts from the comfort of your home or on the go.

Go Mobile for Greater Flexibility

With our mobile application, banking is even more accessible. Make mobile payments effortlessly and send money with person-to-person transfers all right from your smartphone. It's all about giving you flexibility and control over your money wherever life takes you. At 1st Gateway, we aim to provide an online banking experience that fits seamlessly into your lifestyle. Join us today and take advantage of these digital services designed just for you!

Security You Can Trust

Your security is our top priority. We use advanced security measures to protect your personal information and transactions. With electronic signature authorization available, you can sign documents safely and securely without needing to visit a branch.

Stay Organized with E-Statements

Say goodbye to paper clutter with e-statements! Enjoy the convenience of receiving your statements electronically, making it easier to track your finances and stay organized. Plus, it's eco-friendly!

Financial Strength

Committed Team of Professionals

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. This dedication means you can rely on us for personalized service whenever you need assistance.

Growing Membership Base

Our success is reflected in our growing community of members. We currently manage a total of 21,184 share accounts, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $31,226 further solidifies our ability to support our community's needs. In conclusion, 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 415 10Th Ave Fulton Il 61252 or call (815) 589-9053 to learn more about how we can help you achieve your financial goals.

Member Savings and Investments

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.

Our Financial Health

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.

Strong Earnings for Better 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 $965,000 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members.

Supportive Lending Capacity

We understand that financing can be crucial for achieving your goals. That's why with $2,535 in used auto loans and $127,021,194 in total loans and leases, our lending capacity supports members' financial goals across various sectors.

Loan Offering

Additional Services

In addition to these loan offerings, we provide various financial services designed to support our members. From personal banking services like checking and savings accounts to business banking solutions including merchant services and business loans our goal is to serve your financial needs comprehensively. If you're considering refinancing or exploring eligibility options for any of our products, please visit our website at 1st Gateway for detailed information. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. With competitive rates and personalized service at 1st Gateway, we're here to help you take the next step in your financial journey!

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 vehicle, we can help make it happen.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $6,054,676. We strive to make the process of buying or refinancing simple and accessible for all members.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, though currently we have no outstanding amounts in this category. This means we're here to help you manage your finances effectively when you need it most.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency in all comparisons. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results that reflect true market conditions. - Real-Time Rate Comparisons: Users benefit from up-to-date loan rates from multiple institutions, allowing for smarter choices when it comes to borrowing. Thousands of users trust LendMesh for loan comparisons. One member shared their experience: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This type of feedback highlights the tool's effectiveness in helping borrowers secure better rates. 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 Gateway