Ashland Credit Union Lexington KY | Low Mortgage Rates & Auto Loans

Introduction

At Ashland, we believe in building strong financial futures for our members. Since our establishment in 1942, we've been dedicated to serving the Lexington community at 100 Valvoline Way, Lexington, KY 40509. With a commitment to providing personalized service and robust financial solutions, we proudly support over 44,095 members with total assets of $402,676,270. Our mission is to empower you with the tools needed for financial success. Whether you're looking for auto loans, mortgages, or personal banking options, Ashland offers a variety of services tailored to your needs. We have a total loan portfolio of 14,456, ensuring that we can help fund your dreams and goals. While you can visit us at our branch location, please note that all official correspondence should be directed to our mailing address if it differs from our branch address. As part of our community focus, we understand the importance of trust and reliability in our relationships with members. Led by CEO Larry Lucas and Board President Marita Werner, our dedicated team of 88 employees is here to assist you every step of the way. We take pride in being accessible; feel free to reach out at 606-329-5405 during our operating hours from 7:30 am to 5 pm EST. Join us at Ashland Credit Union today! Experience firsthand how we can help you achieve your financial aspirations. Visit our website at ashlandcu.org or stop by to learn more about what we can do for you!

Branch History & Mission

Join Us

As we look toward the future, we invite you to become part of the Ashland Credit Union family. Experience firsthand how we can help you achieve your financial goals while being an integral part of a community-focused institution. Whether you're looking for a new checking account or considering loan options, we're here for you every step of the way. For more information or assistance, feel free to call us at 606-329-5405 or visit us online at www.ashlandcu.org. Join us today and discover how Ashland Credit Union can make a difference in your life!

Our Evolution

Since our inception, Ashland Credit Union has continuously adapted to meet the changing needs of our members and the community. With total assets reaching an impressive $402,676,270, we have established ourselves as a stable and reliable choice for personal banking services. Our commitment to growth can be seen not only in our financial success but also in the expanding array of services we offer. From checking and savings accounts to auto loans and business banking solutions, we strive to provide everything you need under one roof. Our journey has been marked by significant milestones including advancements in technology to enhance member experience. We are proud to offer online and mobile banking options that make managing your finances easier than ever. Our commitment to accessibility is reflected in our ADA compliance efforts, ensuring everyone can benefit from our services.

Our Mission

At Ashland Credit Union, our mission goes beyond providing financial products; it's about empowering our members and uplifting our community. We believe that strong financial foundations lead to stronger lives. Our focus on personal service means that we take the time to understand your unique situation and provide tailored solutions that fit your needs. We are dedicated to supporting local initiatives and partnerships that make Lexington a better place to live and work. Whether it's sponsoring community events or collaborating with local organizations, we aim to give back and foster growth within our community. While members can visit us at 100 Valvoline Way for all their banking needs during our lobby hours from 7:30 am to 5 pm EST Monday through Friday, official correspondence should be sent to the same address as there is no separate mailing address.

Branch Location & Accessibility

Welcome to Ashland Credit Union, your friendly financial partner located at 100 Valvoline Way in Lexington, Kentucky. Nestled in the vibrant Fayette County, our branch is conveniently situated near local landmarks, making it easy for you to access our services. Whether you're coming from the nearby shopping centers or local parks, you'll find us ready to assist you with all your banking needs. At Ashland, we prioritize accessibility for all our members. Our branch is designed with features that comply with ADA standards, ensuring that everyone can comfortably visit us. We offer ample parking right outside our doors, allowing for a hassle-free experience when you come in. We're here for you during the week! Our lobby hours are from 7:30 AM to 5:00 PM, Monday through Friday. If you need assistance outside of those hours or prefer to bank on the go, we also provide ATM services for quick cash withdrawals and balance inquiries. While members can visit us at 100 Valvoline Way, official correspondence should be sent to the same address as we do not have a separate mailing location. If you have any questions or need guidance on our various services like personal banking options including checking and savings accounts, auto loans, mortgage loans, and more don't hesitate to reach out at 606-329-5405. We invite you to stop by Ashland Credit Union today! Experience the difference of personalized service and discover how we can help you achieve your financial goals.

Member Eligibility

Joining Ashland is like becoming part of a close-knit family where your financial well-being is our top priority. To become a member, you simply need to meet some friendly eligibility criteria. If you live, work, or worship in the communities we serve, you're already on the right track! This means that many people from around 100 Valvoline Way Lexington Ky 40509 can enjoy all the benefits we offer, from personalized service to competitive rates on loans and savings. For those curious about the specifics, we invite you to check out more details on our eligibility requirements. Once you're ready to take the next step, opening an account with us is a breeze! Just visit our website for easy account opening instructions at http://WWW.ASHLANDCU.ORG/personal/borrow/apply-for-a-loan, or give us a call at (606) 329-5405 if you have any questions. We're here to help you every step of the way as you join our vibrant community at Ashland.

Business Banking & Commercial Services

Commercial Loans That Fuel Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $11 in commercial loans for our members, helping businesses scale and succeed. - 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 $1,665,969, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services for Everyday Success

In addition to loans, we offer tailored merchant services that simplify payment processing and enhance customer experiences. Picture your customers enjoying a quick checkout with various payment options, allowing you to focus on what you do best running your business. Our services are designed to help you thrive in today's competitive market. Visit us at 100 Valvoline Way Lexington Ky 40509 in Lexington, KY, or call us at (606) 329-5405 to learn how our business banking solutions can help you achieve your goals!

Comprehensive List Of Services

Business Banking Services

For business owners, Ashland offers comprehensive solutions too. Our Business Banking services, including Merchant Services and Business Loans, are structured to help your company thrive. We understand how vital it is for businesses to have access to funding and financial tools that support growth.

Community Commitment

We believe that being part of a community means offering exceptional service and support beyond just banking transactions. At Ashland, we aim to build lasting relationships with our members by understanding their unique needs and providing personalized assistance. Our friendly staff is always ready to answer any questions or guide you toward the best financial solutions. Ready to explore all that we have to offer? Visit us today at 100 Valvoline Way Lexington Ky 40509 or give us a call at (606) 329-5405. Let's work together towards achieving your financial goals! For more information about our services, check out our website at Lexington.

Digital Banking at Your Fingertips

In today's fast-paced world, convenience is key. That's why we offer robust Online & Mobile Banking features that enable you to manage your accounts anytime, anywhere. With options for mobile payments and person-to-person transfers, staying on top of your finances has never been easier. You can also access cash quickly through our ATM & Cash Withdrawal Services, making banking accessible even when you're on the go.

Personal Banking Solutions

Our personal banking offerings are designed with you in mind. Start with our Checking & Savings Accounts that allow you to manage your money efficiently while earning interest. If you're considering a new vehicle, our Auto Loans & Vehicle Financing options make it easy and affordable for you to drive away in the car you've been dreaming about. For those looking to purchase a home or refinance an existing mortgage, our Mortgage Loans & Refinancing services ensure that you find the right fit for your financial situation. We also understand that life can bring unexpected expenses. That's why our Personal Loans & Debt Consolidation options can give you the flexibility and support you need during tough times. Plus, don't forget about our Credit Cards with Rewards, which allow you to earn points on your everyday purchases turning spending into savings!

Digital & Online Banking

Explore Our Online Banking Services

Our online banking platform at https://www.ashlandcu.org/ offers a wide range of features designed to enhance your banking experience. You can view account balances, transfer funds, and pay bills all in one place. Plus, with our 24/7 online banking services, you have the freedom to bank whenever it suits you best.

Mobile Convenience

For those who prefer mobile banking, our mobile application gives you all the tools you need right in your pocket. Whether you're making mobile payments, sending money through person-to-person transfers, or checking your balance, everything is just a tap away. It's like having a bank branch right in your hand! With the comprehensive services offered by Ashland, managing your finances has never been more accessible or secure. Join us today and experience the ease of digital banking!

Security and Accessibility

We prioritize your security while providing user-friendly options. Our electronic signature authorization makes it easy to sign documents securely online, eliminating the need for paper forms. If you're looking to stay organized, our e-statements are available for you to access anytime without cluttering your mailbox.

Financial Strength

Commitment to Growth

Our financial performance is reflected in our $46,464,679 in undivided earnings, which allows us to reinvest in innovative banking tools and enhanced security measures to serve you better. Furthermore, with $4,294 in used auto loans and $293,931,371 in total loans and leases, our lending capacity supports your financial goals across various sectors.

Growing Membership Base

With a total of 72,877 share accounts, it's clear that more people trust us with their finances than ever before. Your confidence strengthens our resolve to provide the best possible services tailored to your needs. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Ashland is your trusted partner. Visit us at 100 Valvoline Way Lexington Ky 40509 or call (606) 329-5405 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 Savings and Investment Opportunities

Your savings are secure with us. We have $166,473,725 in share certificates and $97,437,656 in money market shares, offering stable and rewarding financial growth opportunities for our members. Unlike traditional banks, we prioritize our members' interests first. 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 is evident with a net income of $260,801, enabling us to continue offering competitive loan rates and solid financial products for all members. We also take pride in having 84 full-time employees and 4 part-time employees dedicated to ensuring you receive outstanding service every time you visit us.

Solid Financial Health

With a net worth of $46,874,181, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. This solid foundation ensures that we can meet your needs now and in the future. Our net worth ratio of 11.64% demonstrates a robust capital position, making certain 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 $75,823,766 in used vehicle loans and $36,842,671 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive interest rates to ensure you find the right financing option for your next vehicle.

Business Loans

If you're a business owner, our outstanding commercial loans totaling $1,665,969 provide the capital needed to grow and expand. We aim to support local businesses by offering tailored solutions that fit unique needs. At Ashland, we're committed to providing you with personalized service and guidance through every step of the borrowing process. If you're considering refinancing or want to learn more about eligibility options, our team is ready to assist you. For more information or to get started with your loan application today, please visit us at 100 Valvoline Way Lexington Ky 40509 in Lexington, KY, or give us a call at (606) 329-5405. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Credit Lines and Unsecured Loans

For those who need a little extra flexibility, we offer various credit lines totaling $55,886,569. These lines are perfect for unexpected expenses or planned purchases. Additionally, we have flexible terms on unsecured credit card loans, with a total of $6,018,537 in loans helping members manage their finances effectively.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $52,055,534, make buying or refinancing simple. We prioritize making the process as straightforward as possible, whether you're a first-time buyer or looking to refinance an existing mortgage.

Loan Aggregator

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Conclusion

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 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 means users can trust that the offers displayed are fair and transparent. The platform prioritizes accuracy by continuously updating its loan information, ensuring that users receive the most current rates available.

ASHLAND CREDIT UNION - Lexington, KY

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