Ambraw Credit Union Lawrenceville IL | Affordable Auto Loans & Drive-Thru Banking

Introduction

Welcome to Ambraw Federal Credit Union, your trusted financial partner in the heart of Lawrenceville, IL. Established in 1935, we have proudly served our community for nearly nine decades, growing alongside our members and adapting to their evolving needs. With a total membership of 2,127 and assets exceeding $16,002,093, we are committed to providing personalized banking solutions that empower you to achieve your financial goals. At our branch located at 2300 Lexington Ave, you'll find a team dedicated to exceptional service and community impact. Our CEO, Sharlene Howard, along with Board President Hayward Seber, leads our skilled staff of 7 employees, ensuring you receive the best support possible. Whether you're looking for checking and savings accounts, auto loans, or mortgage options, we offer a wide range of services tailored just for you. For those who prefer traditional correspondence, please note that while members can visit us at our branch address, official communication should be directed to PO Box 119, Lawrenceville, IL 62439. With total deposits reaching $476,766 and cash on hand amounting to $204,765, Ambraw Federal Credit Union stands ready to assist you with confidence and security. We understand that every member's journey is unique. That's why we prioritize building relationships based on trust and transparency. Explore our services today by visiting our website at ambrawfcu.com. For inquiries or assistance, don't hesitate to call us at (618) 943-2913. Join us in shaping a brighter financial future together!

Branch History & Mission

Join Us

As we continue this journey together, we invite you to join Ambraw Federal Credit Union. Experience firsthand the benefits of being part of a member-focused organization dedicated to your financial success. Whether you're looking for checking accounts, savings options, or loans tailored just for you our doors are always open. Let's build a brighter financial future together! For more information or assistance, feel free to reach out at (618) 943-2913 or visit us online at ambrawfcu.com.

Our Journey

Our journey began with a simple idea: to provide financial services that prioritize the needs of our community members. From our humble beginnings at 2300 Lexington Ave, Lawrenceville, IL 62439, we've grown alongside the community we serve. Over the decades, we have adapted to the changing landscape of banking while maintaining our core values of integrity, service, and commitment. With milestones such as becoming federally insured in 1971 and expanding our range of services to include personal banking, auto loans, mortgages, and business banking solutions, we have consistently aimed to meet the diverse needs of our members. Our drive-thru service and ATM availability make banking convenient for everyone.

Our Mission

At Ambraw Federal Credit Union, our mission is clear: to empower individuals by providing affordable financial services while fostering a strong sense of community. We believe that everyone deserves access to quality banking options tailored to their unique circumstances. Our dedicated team works tirelessly to ensure that each member receives personalized attention and support. We are committed not only to enhancing your financial well-being but also to giving back to Lawrenceville through various outreach initiatives and partnerships with local organizations. We understand that when our community thrives, we all thrive together. While members can visit us at 2300 Lexington Ave Lawrenceville Il 62439, official correspondence should be sent to PO Box 119, Lawrenceville, IL 62439.

Branch Location & Accessibility

Welcome to Ambraw Federal Credit Union, conveniently located at 2300 Lexington Ave, Lawrenceville, IL 62439. Our branch is nestled in a vibrant community, just a stone's throw away from popular landmarks that make it easy for you to stop by. Whether you're headed to the nearby parks or local shops, we're here to serve your banking needs with a friendly smile. At Ambraw, we understand that accessibility is key. Our branch is designed with everyone in mind, featuring ADA-compliant ramps and spacious parking options so all members can visit us comfortably. Plus, our drive-thru service allows for quick transactions without leaving your vehicle, ensuring your banking experience is as smooth as possible. Our operating hours are crafted for your convenience: we're open Monday, Tuesday, and Thursday from 8:00 AM to 4:00 PM; Wednesday from 8:00 AM to 12:30 PM; Friday from 8:00 AM to 5:00 PM; and Saturday from 9:00 AM to 12:00 PM. Feel free to reach out at 618-943-2913 if you have any questions or need assistance before visiting. While members can visit us at our branch location, official correspondence should be sent to PO Box 119, Lawrenceville, IL 62439. We also offer ATM access for easy cash withdrawals and balance checks anytime you need it. We invite you to come by Ambraw Federal Credit Union and discover how we can help you with personal banking services including checking and savings accounts, auto loans, mortgage refinancing, credit cards with rewards, and more. Your financial journey starts here stop in today!

Member Eligibility

Joining the family at Ambraw is more than just opening an account it's about becoming part of a warm, welcoming community. If you're looking to become a member, you'll be pleased to know that eligibility is straightforward and inclusive. Typically, individuals who live, work, worship, or attend school in the area can join us. At Ambraw, we believe that everyone deserves access to financial services tailored to their needs, which is why we offer a range of benefits designed to support our members on their financial journeys. To take the next step toward membership, simply visit us at our branch located at 2300 Lexington Ave Lawrenceville Il 62439 or give us a call at (618) 943-2913 for any questions you might have. You can also check out more detailed eligibility criteria. We're excited to help you open your account and start enjoying all the advantages of being part of our community!

Business Banking & Commercial Services

Merchant Services That Work for You

When it comes to managing transactions smoothly, our merchant services offer practical benefits. Picture this: you're at a busy market, and a customer wants to buy your product but only has a credit card. With our merchant solutions, you can accept various payment methods easily, making sales more convenient for both you and your customers. Located at 2300 Lexington Ave Lawrenceville Il 62439, Lawrenceville, IL, we're here to help you thrive in today's competitive landscape. For personalized assistance or inquiries, don't hesitate to reach out at (618) 943-2913. Let's work together to build a brighter future for your business!

Tailored Loan Options

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. Imagine having the financial backing to purchase new equipment or open another location; that's what our loans can do for you. With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need cash on the go? Enjoy easy access through our ATM & Cash Withdrawal Services, which allow you to withdraw cash and check balances without any hassle.

Auto Loans & Vehicle Financing

If you're considering buying a new car or refinancing an existing loan, our Auto Loans & Vehicle Financing services make the process easy and affordable. We work with you to find the right loan terms that fit your budget, ensuring you get behind the wheel without breaking the bank.

Business Banking

For our business members, we offer comprehensive Business Banking solutions, including merchant services and business loans. Whether you're starting a new venture or expanding an existing one, we are committed to supporting local businesses in our community.

Credit Cards with Rewards

Make every purchase count with our Credit Cards with Rewards program. Earn points on everyday spending that can be redeemed for exciting rewards, making it easier to enjoy life while building credit at the same time.

Drive-Thru Banking

For quick transactions, our Basic Drive-Thru Banking service offers easy deposits, withdrawals, and simple banking tasks without leaving your vehicle. At Ambraw, we're here not just as a financial institution but as a partner in your journey toward financial wellness. If you're ready to explore how we can meet your banking needs or if you have any questions about our services, don't hesitate to reach out at (618) 943-2913 or visit us at 2300 Lexington Ave Lawrenceville Il 62439 in Lawrenceville, IL. Your financial success starts here!

Mortgage Loans & Refinancing

Looking to buy your dream home? Our Mortgage Loans & Refinancing options are designed to help you navigate the housing market with confidence. We offer competitive rates and personalized guidance to ensure that you find the best mortgage solution for your situation.

Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why we offer robust Online & Mobile Banking features that let you manage your accounts anytime, anywhere. Check balances, transfer funds, and pay bills all from your smartphone or computer no need to visit the branch!

Personal Banking

We understand that managing finances can sometimes feel overwhelming. That's why we provide Personal Banking options such as checking and savings accounts tailored to fit your lifestyle. Whether you're saving for a big purchase or just want a safe place for your everyday expenses, we have you covered.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way. With our Personal Loans & Debt Consolidation services, you can access funds quickly to cover emergencies or consolidate existing debts into one manageable payment. Our friendly staff is here to help you choose the best option for your needs.

Digital & Online Banking

Key Features of Our Digital Banking Services

Our 24/7 online banking services allow you to check balances, transfer funds, and pay bills without stepping into a branch. If you want to send money to friends or family, our person-to-person transfer feature makes it simple and quick. You can do all of this right from your computer or smartphone. For those who prefer mobile access, our mobile application brings the bank to your pocket. You'll have access to all the essential banking functions while on the go. Plus, managing your account has never been easier with real-time updates and notifications keeping you informed about your transactions.

Security You Can Trust

We prioritize your security at Ambraw. While we currently do not offer electronic signature authorization for transactions, our systems are designed with robust security measures to protect your personal information. Your peace of mind is important to us as you navigate through online transactions. While e-statements aren't available at this time, we encourage members to embrace the ease of online banking which provides instant access to account information whenever needed. Experience the freedom that comes with modern banking solutions at Ambraw. Whether you're checking your balance or sending money across town, we're here to support you every step of the way in managing your financial life effectively. Visit us online today at http://ambrawfcu.com/!

Financial Strength

Growing Member Base

Total Share and Deposit Accounts: 3,578, showing a strong and growing member base that trusts us with their finances. This growth is vital for maintaining our ability to lend more effectively while keeping your interests at heart. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Ambraw is your trusted partner. Visit us at 2300 Lexington Ave Lawrenceville Il 62439 or call (618) 943-2913 to learn more about how we can help you achieve your financial goals.

Member Savings Protection

Members' savings are secured through $1,828,422 in share certificates, offering stable and rewarding financial growth opportunities. We prioritize our members above all else. 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 $16,637 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 4 full-time employees and 3 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvestment in Your Future

With $1,396,075 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 your financial goals across various sectors with $172 in used auto loans and $4,090,781 in total loans and leases.

Solid Financial Health

With a net worth of $1,480,599, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 9.25% 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 $2,274,107 in used vehicle loans and $999,349 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 ready to assist you with personalized service.

Credit Lines

For those needing extra flexibility, our total credit lines stand at $750,000. This product can serve as a safety net for unexpected expenses or short-term financing needs. At Ambraw Federal Credit Union, we strive to make borrowing straightforward and accessible. For more information about our loan offerings or to discuss refinancing options that may be available to you, please contact us at (618) 943-2913. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. We look forward to helping you navigate your financial journey!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. Although we currently do not have Junior Lien Family Property Loans available, we are committed to guiding you through the process when they become an option.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans. While we currently show $0 in unsecured credit card loans issued, we are eager to provide solutions that help members manage their finances effectively when this option becomes available.

Loan Aggregator

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AMBRAW FEDERAL CREDIT UNION - Lawrenceville, IL

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