Altonized Community Credit Union Alton IL | Best Auto Loans & Business Banking

Introduction

Welcome to Altonized Community Federal Credit Union, your trusted partner in financial wellness, located at 4435 Alby St, Alton, IL 62002. Since our establishment in 1939, we have dedicated ourselves to serving the financial needs of our community. With a robust membership of 5,735 individuals and total assets amounting to an impressive $50,500,224, we are committed to providing secure and accessible banking solutions tailored for everyone. At Altonized Community, we believe in the power of community engagement and strive to make a positive impact on the lives of our members. Our wide array of services includes personal banking options such as checking and savings accounts, auto loans, mortgages, and credit cards with rewards. We also offer business banking solutions to help local entrepreneurs thrive. With total deposits reaching $8,968,612 and net worth standing at $4,353,743, our solid financial foundation ensures that your money is safe with us. While members can visit us at our branch location, official correspondence should be sent to P.O. BOX 246, Alton, IL 62002. For any inquiries or assistance, feel free to reach out via phone at 800-421-4759 or explore more about us online at Altonized Community FCU. Under the leadership of CEO Jennifer Spangler and Board President Thomas Skelton, we prioritize transparency and reliability in all our dealings. Our team of 12 dedicated employees is here to assist you during our operating hours from 8:30 AM to 5:00 PM, Monday through Friday. Join us today and experience a credit union that puts its members first! Whether you're looking for loans or simple banking services, we're here to support your journey towards financial success.

Branch History & Mission

At Altonized Community, we pride ourselves on a rich legacy that dates back to 1939. Founded with the aim of supporting our community in Alton, Illinois, our credit union has grown from humble beginnings into a trusted financial partner for over 5,735 members. Our branch is conveniently located at 4435 Alby St, surrounded by the vibrant heart of Alton. Whether you're visiting us during our lobby hours from 8:30 AM to 5:00 PM, Monday through Friday, or utilizing our drive-thru and ATM services, we are dedicated to providing accessible and personalized service. Our mission is simple yet powerful: to offer comprehensive financial services while fostering a spirit of community support. We understand that life can bring challenges and opportunities alike; thus, we provide an array of products designed to meet your needs whether it's personal banking, auto loans, mortgage refinancing, or business banking solutions. We are committed to ensuring that every member feels valued and empowered on their financial journey. Over the years, we've embraced technological advancements to enhance member experiences. With online banking and mobile applications at your fingertips, managing your finances has never been easier. Our commitment to accessibility extends beyond technology; we ensure that all our facilities comply with ADA standards so everyone can bank with ease. In addition to our core services, we actively engage in community outreach efforts. We believe in giving back supporting local initiatives and partnering with organizations that uplift our neighbors. Each interaction with Altonized Community is not just about transactions; it's about building relationships and fostering a sense of belonging within our community. While members can visit us at 4435 Alby St for all their banking needs, official correspondence should be sent to P.O. BOX 246, Alton, IL 62002. If you have any questions or need assistance, feel free to call us at 800-421-4759. Join us today and experience the difference at Altonized Community. Together, let's achieve your financial goals while strengthening our community bonds!

Branch Location & Accessibility

A Warm Welcome Awaits

When you visit us at our Alton branch, you'll find a friendly team ready to help you. We understand that accessibility is important, which is why our branch features ADA-compliant facilities and ample parking. If you prefer a little extra convenience, take advantage of our drive-thru service for quick transactions without leaving your vehicle.

Convenient Services Just for You

At Altonized Community Federal Credit Union, we offer a variety of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and credit cards with rewards there's something for everyone. Plus, with online and mobile banking options available, managing your finances has never been easier! We invite you to come see us soon! Whether you're looking to open an account or simply want to chat about your financial goals, the team at Altonized Community is here for you. Visit us today and experience the difference of community-focused banking!

Easy Access and Operating Hours

Our lobby hours are Monday through Friday from 8:30 AM to 5:00 PM, ensuring that we're available when you need us most. If you can't make it during those hours, don't worry! Our ATM is always available for quick cash withdrawals and balance checks. While members can visit us at 4435 Alby St, official correspondence should be sent to P.O. BOX 246, ALTON, IL 62002 if needed. We encourage you to reach out at 800-421-4759 if you have any questions or need assistance before your visit.

Member Eligibility

At Altonized Community, we believe that everyone deserves a supportive financial community, and becoming a member is the first step to enjoying all the benefits we offer. If you live, work, worship, or attend school in the Alton area, you're already eligible to join us! We welcome individuals from all walks of life, making it easy for you to access our wide range of services designed to support your financial goals. Whether you're looking for checking and savings accounts, auto loans, or personal loans, our friendly team is here to help you every step of the way. To get started with your membership at Altonized Community, simply visit us at our branch located at 4435 Alby St Alton Il 62002 or give us a call at (800) 421-4759 for more information. You can also find detailed eligibility criteria by checking out our website at http://ALTONIZEDFCU.ORG/membership-eligibility . Opening an account is straightforward and inclusive; just follow the steps outlined on our account opening page found here: http://ALTONIZEDFCU.ORG/loan-application . Join us today and experience the community spirit that sets Altonized Community apart!

Business Banking & Commercial Services

Member Commercial Loans

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $1 in commercial loans for our members, helping businesses scale and succeed.

Non-Member Support

We also recognize the importance of serving the broader community: - We support local entrepreneurs with flexible financing solutions through $0 in non-member commercial loans.

Outstanding Loans

With an outstanding commercial loan portfolio of $62,528, we continue to drive economic growth by financing new and expanding businesses. In addition to loans, our merchant services can streamline your transactions and make it easier to manage your cash flow. From payment processing solutions to online banking options, we provide practical benefits that help you focus on running your business. Visit us at 4435 Alby St Alton Il 62002 in Alton, IL or call us at (800) 421-4759 to discover how we can assist you today!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need cash quickly? Our ATM services allow for easy withdrawals and balance checks whenever you need them. Plus, enjoy basic drive-thru banking for deposits and simple transactions without leaving your car. At Altonized Community, we pride ourselves on making banking accessible and convenient for everyone in Alton and beyond. Explore all our services at Altonized Community Federal Credit Union today! If you're interested in opening an account or applying for a loan, don't hesitate to visit us or check out our website for more information. Your financial journey starts here!

Auto Loans & Vehicle Financing

If you're looking to purchase a new vehicle, our auto loans and vehicle financing options make it simple and straightforward. Picture yourself behind the wheel of your dream car with affordable monthly payments that won't break the bank. Our team will guide you through the loan process, ensuring you find the best deal possible.

Business Banking

For our business members, we offer tailored services including merchant services and business loans. Whether you're starting a new venture or expanding an existing one, we provide support that grows with your business needs.

Credit Cards with Rewards

Don't forget about our credit card options! With rewards that benefit your everyday purchases, you'll earn points or cash back every time you use your card. It's like getting paid for spending on things you already buy!

Mortgage Loans & Refinancing

Are you ready to buy a home or refinance your existing mortgage? We offer mortgage loans with competitive rates and flexible terms. This service is designed to help first-time homebuyers as well as seasoned homeowners looking for better rates or terms on their current mortgages. Think about how much easier life would be with manageable mortgage payments.

Online & Mobile Banking

To make managing your finances even easier, we provide online and mobile banking features. Accessing your accounts has never been simpler; pay bills, transfer funds, and check balances all from the comfort of your home or on-the-go.

Personal Banking

Our personal banking services include checking and savings accounts tailored to fit your lifestyle. Whether you're saving for a vacation, a new car, or just want easy access to your funds, we have options that work for you. Imagine having an account that not only helps you save but also earns interest, giving you more value for your money.

Personal Loans & Debt Consolidation

If debt is weighing you down, our personal loans can provide relief through debt consolidation options. Imagine simplifying your finances by combining multiple debts into one easy payment with a lower interest rate. We're here to help make your financial situation more manageable.

Digital & Online Banking

Key Services

With our online banking platform available at https://www.altonizedfcu.org/ , you can access your accounts 24/7. This means checking balances, transferring funds, and paying bills can be done whenever it suits you. Plus, with person-to-person transfers available, sending money to friends and family is quick and straightforward. If you prefer using your smartphone, our mobile application offers a user-friendly experience. You can manage your accounts right from your pocket! Although we currently don't support mobile payments, our app still provides essential features to keep you in control of your finances.

Security and Ease of Use

We take security seriously. Our online banking services come with robust protections to keep your information safe. While we do not offer electronic signature authorization for transactions just yet, we ensure that every step of the process is secure. E-statements are another feature you'll love; they help you keep track of your transactions without the clutter of paper statements. Sign up for e-statements today and enjoy the benefits of going green while staying organized! At Altonized Community, we believe in making banking simple and accessible for everyone. With our comprehensive online services, managing your money has never been more convenient or secure!

Financial Strength

Growing Membership

We are proud to serve a growing member base with 9,619 total share accounts. This trust from our community is what drives us to continuously enhance our offerings. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Altonized Community is your trusted partner. Visit us at 4435 Alby St Alton Il 62002 or call (800) 421-4759 to learn more about how we can help you achieve your financial goals. *Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.*

Member-Centric Savings

Your savings are safe with us. Members' deposits are secured through $4,960,527 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.

Operational Efficiency

Our operational efficiency shines through with a net income of $0, allowing us to keep offering competitive loan rates and solid financial products for all members. Our dedicated team consists of 9 full-time employees and 3 part-time employees who are always ready to assist you with your needs.

Reinvestment for Growth

We believe in reinvesting in our community and our services. With $4,151,643 in undivided earnings, we can invest in innovative banking tools, stronger lending options, and enhanced security measures to serve you better. Our commitment to continuous improvement means you will always have access to the best financial products available.

Solid Financial Foundation

With a net worth of $4,353,743, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $860 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Supporting Your Goals

With $791 in used auto loans and $22,458,292 in total loans and leases, our lending capacity supports members' financial goals across various sectors. Whether you're looking to purchase a vehicle or need financing for other endeavors, we're here to help.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans provide some of the lowest rates in the industry, with over $10,645,112 in used vehicle loans and $3,135,894 in new vehicle loans already helping members get on the road. Whether you're interested in a brand-new vehicle or a reliable used option, our financing solutions are tailored to fit your needs.

Business Loans

For business owners, our outstanding commercial loans totaling $62,528 provide the capital needed to grow and expand. Whether you're starting a new venture or looking to enhance your existing business operations, we're here to support your journey.

Mortgage Options

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $2,010,970, making buying or refinancing simple. We aim to provide you with competitive rates and flexible terms to make your dream home a reality.

Refinancing and Eligibility

If you're considering refinancing any existing loans or looking for eligibility options for new ones, we encourage you to reach out. Our team is ready to assist you in finding the best solution tailored specifically for your situation. At Altonized Community located at 4435 Alby St, Alton IL 62002, we're committed to serving our members' financial needs. For more information or assistance with applications, feel free to call us at 800-421-4759. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Your path toward better financial health starts here!

Unsecured Credit Cards

We also offer flexible terms on unsecured credit card loans, with a total of $1,528,026 in loans helping members manage their finances effectively. These cards can be an excellent way to handle unexpected expenses while providing rewards that benefit your everyday spending.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: All loan offers are sourced from reputable lenders, ensuring that users receive accurate information. - No Sponsored Listings: Unlike many other platforms, LendMesh does not prioritize lenders based on paid promotions. The goal is to provide unbiased results that reflect true market conditions. - Real-Time Rate Comparisons: Users benefit from up-to-date loan rates pulled directly from multiple institutions, enabling them to make timely decisions. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This feedback highlights the effectiveness of the platform in delivering value to its users. 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.*

How LendMesh Ensures Accurate 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 ensures fair and transparent offers for all users. Every loan listing you see has been vetted to confirm that it comes from legitimate financial institutions, promoting trust throughout the comparison process.

ALTONIZED COMMUNITY FEDERAL CREDIT UNION - Alton, IL