77th Street Depot Oak Park IL Credit Union | Best Auto Loans & Business Banking

Introduction

Welcome to 77th Street Depot, your trusted financial partner located at 1011 Lake St, Oak Park, IL 60301. Since our establishment in 1938, we have been dedicated to serving our community and providing reliable financial solutions tailored to the needs of our members. With a strong commitment to fostering financial wellness, we currently serve over 5,077 members and manage assets totaling $19,372,172. At 77th Street Depot, we understand that every member's journey is unique. That's why we offer a variety of services including personal banking options like checking and savings accounts, auto loans, mortgage refinancing, credit cards with rewards, and business banking solutions. Our focus is not just on numbers; it's about building relationships and ensuring our members feel valued and supported. Our leadership team, led by CEO Al Towns and Board President Jerry Weems, is passionate about enhancing the financial lives of our members. With a dedicated staff of 13 employees, we work diligently to provide exceptional service and maintain a welcoming environment for all who walk through our doors. While members can visit us at our Oak Park location for assistance during our lobby hours on Tuesdays and Thursdays from 9 AM to 3 PM, official correspondence should be sent to our mailing address at 5401 S Wentworth Ave Ste 26, Chicago, IL 60609-6300. Join us in experiencing a credit union that prioritizes your financial goals. Whether you're looking for a loan or simply want to ask questions about your accounts, don't hesitate to reach out! Give us a call at 773-826-9222 or explore more about our offerings on our website here. Together, let's build a brighter financial future!

Branch History & Mission

Community Focus

We take pride in being more than just a financial institution. Our outreach efforts include partnerships with local organizations and initiatives designed to enhance the well-being of the Oak Park community. We believe in giving back and actively participate in events that help uplift those around us. Although we currently do not have ATM or drive-thru services available, we offer online banking options for your convenience. Our operating hours are on Tuesdays and Thursdays from 9 AM to 3 PM, making it easy for you to connect with us during your busy schedule.

Join Us Today

If you're looking for a credit union that puts its members first and is dedicated to making a difference in the community, look no further than 77th Street Depot. We invite you to become part of our growing family and experience the benefits of membership today! For more information on how to join or learn about our services, please visit us online at 77th Street Depot or call us at 773-826-9222. Together, let's build a brighter future!

Mission Statement

At 77th Street Depot, we believe that everyone deserves access to reliable financial services that empower them to achieve their goals. Our mission is simple: to provide high-quality financial products while fostering a sense of community among our members. We are not just here to handle transactions; we strive to build relationships and offer support during life's pivotal moments. While members can visit us at 1011 Lake St, official correspondence should be sent to our mailing address at 5401 S Wentworth Ave Ste 26, Chicago, IL 60609-6300.

Our Evolution

Since opening our doors, 77th Street Depot has continuously evolved to meet the changing needs of our members. Our journey began with the vision of creating an institution that prioritizes people over profits. Over the years, we've adapted to advancements in technology and shifts in financial landscapes while maintaining our core mission serving our members with integrity and respect. Today, our total assets stand at an impressive $19,372,172, reflecting our commitment to sound financial management and growth. We understand the importance of being there for our community, whether through personal banking services like checking and savings accounts or providing auto loans and mortgages.

Branch Location & Accessibility

Welcome to 77th Street Depot, your friendly neighborhood credit union located at 1011 Lake St, Oak Park, IL 60301. Our branch is perfectly situated to serve you with ease and convenience. Just a short walk from local landmarks like the Oak Park Arts District and minutes away from the vibrant downtown area, our location makes banking simple. At 77th Street Depot, we understand that accessibility matters. Our branch features ADA-compliant facilities, ensuring everyone can navigate comfortably. We offer ample parking for our members, making your visits hassle-free. Whether you're stopping by to chat with one of our friendly representatives or take care of your banking needs, you'll find it easy to get in and out. We are here for you on Tuesdays and Thursdays from 9 AM to 3 PM. While we don't have an ATM or drive-thru service at this location, our dedicated staff is always ready to assist you inside the branch. If you need to reach us by phone, feel free to call us at 773-826-9222. If you're looking for official correspondence, please note that while you can visit us at our Oak Park address, any mail should be sent to our mailing address at 5401 S Wentworth Ave Ste 26, Chicago, IL 60609-6300. We invite you to stop by and explore how we can help meet your financial needs. Whether you're interested in personal banking services or loans tailored just for you, our team is excited to assist you on your financial journey!

Member Eligibility

At 77th Street Depot, we believe that everyone deserves a chance to be part of a caring and supportive community. Joining us is simple, and we welcome individuals who live, work, or worship in our local area. Whether you're looking for personal banking solutions, auto loans, or just a friendly place to manage your finances, you belong here. If you're curious about the specific eligibility requirements, you can find all the details on our website at https://www.77thstreetdepotfcu.org/about-us/how-to-become-a-member/. It's easy to see if you qualify! Opening an account with us is just as straightforward. You can reach out to our team at (773) 826-9222 for any questions or assistance. We're here to guide you through every step of the process so you can start enjoying the benefits of membership at 77th Street Depot today! Come visit us at 1011 Lake St Oak Park Il 60301, and let's get started on this journey together.

Business Banking & Commercial Services

Business Loans That Empower Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. Additionally, we also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services for Everyday Needs

Imagine having the tools to manage payments effortlessly. Our merchant services simplify transactions, allowing you to focus on what matters most running your business. Accepting payments via credit and debit cards can enhance customer satisfaction and boost sales, making it easier for you to thrive in a competitive market. Located at 1011 Lake St Oak Park Il 60301 in Oak Park, IL, we're here to help you navigate your financial needs. Reach out at (773) 826-9222 during our lobby hours on Tuesday and Thursday from 9 AM to 3 PM. Let's work together to turn your business vision into reality!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

While we currently do not have ATMs on-site at 77th Street Depot, our members can still access their funds conveniently through partner networks across the area. At 77th Street Depot, located at 1011 Lake St Oak Park Il 60301, we pride ourselves on being more than just a credit union; we are a community partner committed to helping our members achieve their financial goals. Have questions or want to learn more about how we can assist you? Give us a call at (773) 826-9222 during our lobby hours on Tuesday and Thursday from 9 AM to 3 PM. We invite you to join us today! Visit our website at North Branch for more information on membership eligibility and all of our services. Let's work together towards a brighter financial future!

Auto Loans & Vehicle Financing

Thinking about purchasing a new car? Our auto loans and vehicle financing options can help make that dream a reality. We offer competitive rates and flexible terms to fit your budget. Picture yourself driving off in your new vehicle without the stress of high payments.

Business Banking Services

For our business members, we offer specialized business banking services, including merchant services and business loans. We understand that running a business comes with its challenges, and our team is ready to provide the financial tools needed to help you thrive.

Credit Cards with Rewards

Our credit cards with rewards allow you to earn points on everyday purchases. It's like getting paid back for spending! You can use these rewards for travel, shopping, or even cash back making each purchase a little more rewarding.

Mortgage Loans & Refinancing

If homeownership is on your mind, our mortgage loans provide the support you need for one of the most significant investments in your life. Whether you are buying a new home or considering refinancing an existing mortgage for better rates, we have solutions tailored just for you.

Personal Banking Solutions

Whether you are looking to open a checking or savings account, our personal banking options are designed with your convenience in mind. Imagine being able to manage your money effortlessly online or through your mobile device. With online and mobile banking, you can check balances, transfer funds, and pay bills from anywhere at any time.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way. With our personal loans and debt consolidation services, we offer financial relief when you need it most. Whether it's for home improvements, emergencies, or consolidating debt into manageable payments, we're here to assist you.

Digital & Online Banking

Key Features

Our online banking is user-friendly and secure, allowing you to manage your money with confidence. While we currently don't offer mobile payments or a mobile app, you can still enjoy essential services like person-to-person transfers. Keep track of your transactions in real-time, ensuring you're always informed about your financial health. Although we do not provide electronic signature authorization or e-statements at this time, our commitment to keeping your information safe remains strong. We prioritize security so that you can focus on what matters most your financial goals. We encourage all members to take advantage of our online banking services. It's easy to get started; simply visit https://www.77thstreetdepotfcu.org/ to explore everything available to you. Whether you're at home or on the go, managing your account has never been more accessible or secure. In today's fast-paced world, it's important to have banking solutions that fit your lifestyle. At 77th Street Depot, we're here to help you navigate your financial journey with ease and peace of mind.

Financial Strength

At 77th Street Depot, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. 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 a net worth of $4,768,594, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 2462 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $1,530,141 in share certificates, 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. With $4,173,528 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 $5310567 in total loans and leases, which includes 67 used auto loans to help you get where you need to go. Our operational efficiency is reflected in our $0 net income, which allows us to focus on delivering valuable services rather than profits. We also take pride in having 2 full-time employees and 11 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Total Share and Deposit Accounts stand at 7269, 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, 77th Street Depot is your trusted partner. Visit us at 1011 Lake St Oak Park IL 60301 or call 773-826-9222 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 $1,208,893 in used vehicle loans and $1,365,965 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new vehicle or purchasing a reliable used one, we have options that suit your budget.

Credit Lines and Personal Financing

For those looking for additional flexibility, we also provide credit lines totaling $420,000. These lines are designed to help you manage unexpected expenses or fund personal projects without hassle. We also offer flexible terms on unsecured credit card loans, with a total of $0 in loans helping members manage their finances effectively. This can be an excellent choice if you're looking for convenience and the ability to pay off purchases over time.

Mortgage Options

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $0, make buying or refinancing simple. We aim to guide you through the process smoothly, ensuring that you understand each step along the way.

Refinancing and Eligibility

If you're considering refinancing your existing loans for better rates or terms, our team is here to assist you in exploring eligibility options that may benefit you. We believe everyone deserves access to affordable financing solutions. Feel free to reach out to us at (773) 826-9222 or visit us at our branch located at 1011 Lake St Oak Park Il 60301 in Oak Park, IL. We're open Tuesdays and Thursdays from 9 AM to 3 PM and would love to help you find the perfect loan product for your needs. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: All loan offers are sourced from legitimate financial institutions. This commitment to transparency means you can trust the information you see. - No Sponsored Listings: Unlike many comparison tools, LendMesh does not prioritize lenders based on paid promotions. The goal is to deliver unbiased results, allowing users to make informed choices without external influence. - Real-Time Rate Comparisons: With up-to-date loan rates from multiple institutions at your fingertips, you can quickly evaluate your options and select the best fit for your financial situation. Thousands of users trust LendMesh for their loan comparisons. One member shared, "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials highlight the effectiveness and reliability of this tool in helping individuals secure better loan terms. 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.*

Ensuring Accurate Loan 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 compliance guarantees that the information you receive is not only accurate but also fair and transparent. By relying on trusted financial entities, LendMesh provides users with genuine offers that reflect the current market conditions.