Access of Louisiana Lake Charles Credit Union | Best Auto Loans & Business Banking

Introduction

Welcome to Access Of Louisiana, your trusted partner in financial growth and community support, located at 519 Kirby St, Lake Charles, LA 70601. Since our establishment in 1955, we have been dedicated to serving our members with a personal touch that larger institutions often overlook. Our commitment is reflected in our vibrant membership of 3,791 and our robust total assets of $46,457,227. At Access Of Louisiana, we believe in fostering strong relationships with our members. Under the leadership of CEO Michelle Jinks and Board President Brian Burton, we strive to create a welcoming environment where everyone can achieve their financial goals. Whether you are looking for personal banking services like checking and savings accounts or need assistance with auto loans and mortgages, we have the solutions tailored just for you. With total deposits reaching $5,885,707 and a net worth of $4,328,734, our financial stability allows us to invest back into our community. We're proud to offer various services including online banking, mobile payments, and personalized loan options that cater to your unique needs. While members can visit us at 519 Kirby St, official correspondence should be sent to PO Box 1690, Lake Charles, LA 70602-1690. If you have questions or need assistance, feel free to call us at 337-533-1808 during our operating hours: Monday, Wednesday through Friday from 8:30 AM to 5 PM and Tuesday from 9:30 AM to 5 PM. Join us at Access Of Louisiana today; together we can navigate your financial journey with confidence! For more information about our services or to become a member, visit us online at www.access.coop.

Branch History & Mission

Commitment to Accessibility

We take pride in being ADA compliant and ensuring that all members can access our facilities comfortably. With an ATM available on-site and drive-thru banking options for quick transactions, we aim to make your experience as smooth as possible. Join us at Access Of Louisiana and discover how we can assist you in achieving your financial dreams while supporting the vibrant community around us. Whether you're looking for savings accounts or loans tailored to your needs, we invite you to become part of our family today! For more information or assistance, feel free to call us at 337-533-1808 or visit our website at www.access.coop. Your journey toward financial empowerment starts here!

Our Mission

At Access Of Louisiana, our mission is simple yet profound: we strive to provide our members with exceptional financial products while fostering a sense of community support. We believe that everyone deserves access to quality financial services that help them achieve their goals whether that's opening a checking account, securing an auto loan, or planning for retirement. In addition to traditional banking services like personal loans and credit cards with rewards, we also emphasize community outreach. We work closely with local organizations and initiatives aimed at improving the lives of residents in Calcasieu Parish. Our commitment extends beyond just numbers; it's about making a positive impact on the lives of those we serve. While you can visit us at our branch address for all your banking needs, any official correspondence should be sent to PO Box 1690, Lake Charles, LA 70602-1690 if needed.

Branch Location & Accessibility

Accessibility Features

At Access Of Louisiana, we believe that everyone should have access to quality banking services. Our branch is designed with accessibility in mind, featuring ADA-compliant ramps and ample parking spaces for all members. If you prefer the convenience of drive-thru banking, we offer that option as well, allowing you to conduct simple transactions without leaving your vehicle.

Get In Touch

Ready to experience exceptional service? We invite you to visit us at Access Of Louisiana today! If you have any questions or need assistance before your visit, feel free to give us a call at 337-533-1808. Your financial success is our priority, and we look forward to welcoming you into our community!

Operating Hours

We understand that life can be busy! That's why we offer flexible operating hours to fit your schedule. Visit us on Monday, Wednesday, Thursday, and Friday from 8:30 AM to 5:00 PM or on Tuesday from 9:30 AM to 5:00 PM. We're dedicated to being available when you need us most.

Services Offered

Our branch provides a variety of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we're equipped to assist you every step of the way. Additionally, we have an ATM available for quick cash withdrawals and balance checks whenever you need them.

Member Eligibility

Becoming a member of Access Of Louisiana is like joining a caring community where your financial needs are understood and prioritized. If you live, work, worship, or attend school in Calcasieu Parish, you're already on your way to enjoying the benefits we offer. Our membership is open to anyone who shares these connections with our vibrant local area. At Access Of Louisiana, located at 519 Kirby St Lake Charles La 70601, we provide a welcoming atmosphere filled with support and financial services tailored just for you. Opening an account is straightforward simply visit our website for detailed eligibility criteria at http://www.access.coop/au_member.html . If you're ready to take the next step, you can easily start the account opening process online through this link: https://my.homecu.net/fi/oecu/lnappfrm.html . If you have any questions or need assistance, don't hesitate to give us a call at (337) 533-1808. We're excited to welcome you into our family!

Business Banking & Commercial Services

Financing Options Tailored for Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. Although we currently have no member or non-member commercial loans funded, we strive to create future opportunities that can help local businesses thrive. When the time comes, you can count on us to offer competitive rates and flexible terms that cater specifically to your needs.

Merchant Services That Make Transactions Easy

In addition to financing, our merchant services provide the tools necessary for smooth daily operations. Imagine having a reliable payment processing system that allows you to accept payments quickly, ensuring your cash flow remains uninterrupted. This service not only simplifies transactions but also enhances customer satisfaction, allowing you to focus on what you do best running your business. If you're ready to take the next step in growing your business, visit us at 519 Kirby St Lake Charles La 70601 in Lake Charles, LA or give us a call at (337) 533-1808. Let's build something great together!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

In addition to all these fantastic offerings, we also ensure access to cash through our ATM services located conveniently near you. Whether it's withdrawing cash or checking balances on-the-go, we've got you covered.

Auto Loans & Vehicle Financing

Need a new car? Our auto loans and vehicle financing options are designed with you in mind. Picture driving away in the vehicle of your dreams with an affordable payment plan that fits your budget. We offer flexible terms and competitive rates that help you get behind the wheel without the stress.

Basic Drive-Thru Banking

For those quick transactions like deposits or withdrawals without leaving your car, our basic drive-thru banking is available as well. It's perfect for busy days when every minute counts! At Access Of Louisiana in Lake Charles, we are committed to making banking easy and accessible for everyone in our community. For more information about any of these services or how we can help meet your financial needs today, feel free to reach out at 337-533-1808 or visit us online at access.coop. Your financial well-being is our priority!

Business Banking

Entrepreneurs will find value in our business banking services, which include merchant services and business loans. If you're starting a new venture or looking to expand an existing one, we understand the unique challenges businesses face and are equipped to offer solutions tailored specifically for you.

Credit Cards with Rewards

For those who enjoy earning rewards while spending wisely, our credit cards come with exciting benefits that can enhance your purchasing power. Think about getting cashback or points for things you already buy it's like getting rewarded just for using your card!

Mortgage Loans & Refinancing

If you're considering buying a home or refinancing your current mortgage, our mortgage loans can provide the support you need. With personalized service and guidance through the process, we make securing financing simple and straightforward. Imagine finally owning your dream home or reducing your monthly payments our mortgage specialists are here to help turn that dream into reality.

Online & Mobile Banking

To make managing your finances even easier, we provide robust online and mobile banking options. With just a few taps on your smartphone or clicks on your computer, you can check balances, transfer funds, pay bills, and even apply for loans anytime and anywhere.

Personal Banking

For those looking to manage their everyday finances, we offer personal banking services that include checking and savings accounts tailored to fit different lifestyles. Imagine having a convenient checking account for your daily expenses while also building your savings with our competitive interest rates. Whether you're saving for a vacation or planning for future goals, our accounts make it easy to track and grow your funds.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way, but don't worry! Our personal loans can help cover those costs. Whether it's for medical bills, home improvements, or consolidating debt into one manageable payment, we've got options that work for you.

Digital & Online Banking

In today's fast-paced world, convenience and security are key when it comes to managing your finances. At Access Of Louisiana, we understand that our members want access to their accounts anytime, anywhere. That's why we offer robust digital and online banking services designed with you in mind. With our online banking platform, available at https://www.access.coop/ , you can take control of your finances 24/7. Whether you want to check your balance, transfer funds, or view your transaction history, everything is just a few clicks away. Plus, our mobile application makes it even easier to manage your accounts on the go. Security is a top priority for us. Our electronic signature authorization feature allows you to complete transactions securely from home. And if you prefer going paperless, you can enroll in e-statements for easy access to your financial documents without the clutter. For those times when you need to send money quickly to friends or family, our person-to-person transfer service has got you covered. You can send money directly from your account with just a few taps on your phone. Additionally, if you're looking to make purchases conveniently, our mobile payments feature allows you to pay using your smartphone wherever contactless payments are accepted. At Access Of Louisiana, we strive to provide a user-friendly experience that gives you real-time access and management of your finances. Join us today and discover how easy banking can be!

Financial Strength

Dedicated Team

We also take pride in having 10 full-time employees and 3 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Our staff is dedicated to providing excellent service tailored specifically for you.

Growing Member Base

Total Share Accounts: 6,128, showing a strong and growing member base that trusts us with their finances. This growth reflects our commitment to delivering value and reliability at every turn. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Access Of Louisiana is your trusted partner. Visit us at 519 Kirby St Lake Charles LA 70601 or call 337-533-1808 to learn more about how we can help you achieve your financial goals.

Lending Support

Our lending capacity supports members' financial goals across various sectors with $6,648,022 in used auto loans and a total of $27,461,482 in loans and leases available. Our ability to provide diverse financing options helps empower our members to achieve their dreams.

Member-Focused Savings

Members' savings are secured through $10,149,403 in share certificates, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $5,766,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Reinvesting for Your Benefit

With $4,287,590 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. This commitment to improvement ensures that your credit union adapts to meet your needs effectively.

Strong Financial Position

With a net worth of $4,328,734, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 932 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 $6,485,022 in used vehicle loans and $5,626,673 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 is here to guide you through the process.

Credit Lines and Unsecured Credit Cards

For those seeking flexibility in managing expenses, we offer total credit lines amounting to $3,000,000. This allows you to have access to funds when you need them most. Additionally, while we currently do not have unsecured credit card loans available at this time (totaling $0), our team can assist you in exploring other financing options tailored to your needs.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $219,235, making buying or refinancing simple. We strive to provide clarity and support throughout your mortgage journey, ensuring that you feel confident every step of the way.

Refinancing Options

If you're considering refinancing any existing loans for better rates or terms, we encourage you to reach out. Our dedicated staff can walk you through eligibility options and help you determine what might work best for your financial situation. For inquiries or assistance, feel free to contact us at (337) 533-1808. You can visit us at our branch located at 519 Kirby St Lake Charles La 70601 or explore our services online at Access Of Louisiana. 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 dreams!

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ACCESS OF LOUISIANA FEDERAL CREDIT UNION - Lake Charles, LA