Ashland Credit Union Russell KY | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to the Ashland Credit Union Russell Branch, your trusted partner in financial well-being since 1942. Located at 1200 Diederich Blvd, Russell, KY 41169, we are proud to serve a vibrant community of over 44,000 members. Our mission is clear: to provide you with personalized banking solutions that help you achieve your financial goals. At Ashland Credit Union, we understand that life can be unpredictable, and having a reliable financial institution by your side makes all the difference. With total assets exceeding $402 million, we offer a range of services tailored to meet the needs of our diverse membership base. Whether you're looking for checking and savings accounts, auto loans, or mortgage refinancing, our dedicated team is here to assist you every step of the way. While members can visit us at 1200 Diederich Blvd, official correspondence should be sent to our mailing address at 1300 Central Ave, Ashland, KY 41101-7550. We pride ourselves on maintaining a strong community presence and supporting local initiatives that matter most to our members. Under the leadership of CEO Larry Lucas and Board President Marita Werner, we are committed to fostering an environment where your financial success is our priority. With a net worth of approximately $46 million and cash reserves of around $2.7 million, you can trust that your finances are in capable hands. We invite you to explore the many ways we can support your financial journey. Feel free to reach out at 800-245-8112 or visit our website at ashlandcu.org for more information about our services and how we can help you thrive. Join us today and experience the community-focused banking approach that has made Ashland Credit Union a cornerstone in Russell for over 80 years!

Branch History & Mission

Community Connection

Over the years, Ashland Credit Union has been more than just a financial institution; we've been a partner in community development. From sponsoring local events to collaborating with organizations that uplift those in need, we are committed to giving back. Our outreach efforts reflect our belief that strong communities build stronger members. As we continue to embrace innovation such as electronic signatures and mobile payments we remain focused on enhancing member experiences while keeping traditional values at the forefront of our operations. While members can visit us at 1200 Diederich Blvd Russell Ky 41169, official correspondence should be sent to 1300 CENTRAL AVE, ASHLAND, KY 41101-7550. For any inquiries or assistance, feel free to reach out at 800-245-8112. Join us today at Ashland Credit Union's Russell Branch! Experience firsthand how we can help you reach your financial aspirations while being part of a community-focused credit union that truly cares about your success. Visit us online at Ashland Credit Union for more information or apply for a loan here. Together, let's build a brighter financial future!

Our Mission

Our mission is simple yet powerful: to empower our members through comprehensive financial services while supporting and enriching the communities around us. We believe that by helping individuals achieve their financial goals, we contribute to the overall prosperity of Russell and beyond. Our services range from personal banking including checking and savings accounts to auto loans, mortgages, business banking solutions, and online/mobile banking options. We also offer basic drive-thru banking and ATM access for your convenience. We understand that accessibility is key to effective service delivery. That's why we provide ADA-compliant facilities and strive to ensure that every member feels welcome and valued when they visit us. Whether you're stopping by during our operating hours from 9 AM to 5 PM on weekdays or accessing services through our digital platforms, we are dedicated to making your experience as smooth as possible.

Branch Location & Accessibility

Welcome to the Ashland Credit Union Russell Branch, your friendly neighborhood financial partner located at 1200 Diederich Blvd, Russell, KY 41169. We understand how important convenience is for our members, which is why our branch is easily accessible and positioned near local landmarks, making it simple for you to stop by during your day. Our branch features ample parking and is designed with accessibility in mind, including ADA-compliant ramps to ensure everyone can visit us comfortably. Whether you're coming in for a quick transaction or to discuss your financial needs, we're here to assist you. While our main address is 1200 Diederich Blvd, please note that official correspondence should be sent to our mailing address at 1300 Central Ave, Ashland, KY 41101-7550. We are proud to offer a range of services tailored just for you! Our operating hours are from 9 AM to 5 PM Monday through Friday, making it easy for you to drop by when it's most convenient. Need cash? Our ATM is available for quick withdrawals and balance checks anytime. If you prefer drive-thru banking, we have that option too for simple transactions like deposits and withdrawals. At Ashland Credit Union, we focus on providing personalized banking solutions from checking and savings accounts to auto loans and credit cards with rewards. If you have any questions or need assistance, don't hesitate to give us a call at 800-245-8112. We look forward to welcoming you into our branch soon!

Member Eligibility

At Ashland, we believe that joining our community is about more than just banking; it's about becoming part of a supportive family. If you live, work, or worship in the area, you're likely eligible to become a member! We welcome individuals from various backgrounds, and our goal is to make membership as inclusive as possible. Not only will you gain access to a range of financial services tailored to your needs, but you'll also enjoy the benefits of being part of a member-focused organization that prioritizes your financial well-being. Getting started is easy! You can find all the details about eligibility by visiting our website at . If you're ready to take the next step, feel free to reach out to us at (800) 245-8112 or visit us at our branch located at 1200 Diederich Blvd Russell Ky 41169. We can't wait to welcome you into the Ashland family!

Business Banking & Commercial Services

Merchant Services

In addition to loans, we offer comprehensive merchant services that make managing your payments easier. Imagine accepting payments anytime and anywhere with our user-friendly tools, allowing you to focus on what you do best running your business. Visit us at 1200 Diederich Blvd Russell Ky 41169 in Russell, KY or call us at (800) 245-8112 to explore how we can help your business thrive!

Tailored Loan Options

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.

Comprehensive List Of Services

Business Banking Solutions

For local businesses, we understand that every dollar counts. That's why we provide comprehensive Business Banking services including Merchant Services & Business Loans designed to help your enterprise thrive. Our knowledgeable staff can guide you through the process and find solutions that fit your business model.

Digital Convenience at Your Fingertips

In today's fast-paced world, convenience is key. That's why Ashland offers robust Online & Mobile Banking features. Access your accounts anytime, anywhere with just a few taps on your smartphone or clicks from your computer. You can easily manage transactions, pay bills, and even make person-to-person payments without stepping foot in the branch. Our commitment to member satisfaction extends beyond traditional banking hours with ATM services available for cash withdrawals and balance checks. Plus, if you prefer face-to-face interactions but still want convenience, our Drive-Thru Banking allows for quick deposits and withdrawals without leaving your vehicle.

Get Started Today!

Ready to take charge of your financial future? We invite you to visit us at 1200 Diederich Blvd Russell Ky 41169, give us a call at (800) 245-8112, or explore more about our services online at our website. Whether you're opening an account or applying for a loan, we're excited to assist you on your journey!

Personal Banking Made Easy

Managing your finances should be simple and convenient. At Ashland, we offer a variety of personal banking options designed with you in mind. Our Checking & Savings Accounts help you keep track of your finances while earning interest on your savings. If you're thinking about purchasing a new car, our Auto Loans & Vehicle Financing can provide the support you need with competitive rates tailored for your budget. Need a place to call home? Explore our Mortgage Loans & Refinancing options, which can assist you in making that dream a reality. For those unexpected expenses or debt consolidation needs, our Personal Loans can provide relief and flexibility, allowing you to regain control over your financial situation. Don't forget about our Credit Cards with Rewards program, which offers benefits for everyday purchases, making it easier to earn rewards while you shop.

Digital & Online Banking

Key Features

With our online banking service, you can easily check your balance, transfer funds, and pay bills with just a few clicks. We also provide e-statements, so you can view your account activity anytime without the clutter of paper statements. Plus, with electronic signature authorization, signing documents is quick and hassle-free no need for printing or mailing! For those who prefer mobile banking, our dedicated mobile application makes it easy to manage your accounts right from your smartphone. Enjoy the convenience of mobile payments and person-to-person transfers; sending money to friends or family is now just a tap away.

Security and Accessibility

Security is a top priority at Ashland. Our online banking services are equipped with advanced security measures to protect your personal information. You can bank with confidence knowing that your data is safe. Accessibility is another key benefit. Whether you are using a computer or mobile device, our services are designed to be straightforward and intuitive. This means you can handle your banking needs quickly and efficiently, allowing you more time for what really matters in your life. With all these features, managing your finances has never been easier! Join us at Ashland and experience the benefits of modern banking today!

Financial Strength

Commitment to Excellence

Our operational efficiency is highlighted by our $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 84 full-time employees and 4 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Focused on Our Members

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.

Growing Member Trust

Total Share and Deposit Accounts: 72,877, show a strong and growing member base that trusts us with their finances. This trust is the cornerstone of everything we do at Ashland. 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 1200 Diederich Blvd Russell Ky 41169 or call (800) 245-8112 to learn more about how we can help you achieve your financial goals.

Investing Back into Our Community

With $46,464,679 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. This means more resources to help you achieve your financial goals.

Robust Lending Capacity

Our lending capacity supports members' financial goals across various sectors. With $4,294 in used auto loans and $293,931,371 in total loans and leases, we provide accessible financing options tailored for you.

Secure Savings Options

Members' savings are secured through $166,473,725 in share certificates and $97,437,656 in money market shares, offering stable and rewarding financial growth opportunities. This commitment to securing your funds is reflected in our operations.

Strong 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. Our net worth ratio of $1,164 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 $75,823,766 in used vehicle loans and $36,842,671 in new vehicle loans already helping members get on the road. Whether you're looking for financing for a brand-new model or a reliable pre-owned vehicle, our flexible options are designed to meet your needs.

Commercial Loans

For business owners, our outstanding commercial loans totaling $1,665,969 provide the capital needed to grow and expand. We're here to support local businesses with competitive lending solutions that help turn ambitions into reality. At Ashland, we pride ourselves on offering personalized service and comprehensive loan options that cater to the diverse needs of our members. If you're interested in refinancing or checking eligibility for any of our products, don't hesitate to reach out. You can contact us at (800) 245-8112 for more information. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Visit us at 1200 Diederich Blvd Russell Ky 41169, Russell, KY to learn more about how we can assist you today!

Credit Lines and Unsecured Loans

For those needing extra cash or credit flexibility, we also offer total credit lines of $55,886,569 along with unsecured credit card loans totaling $6,018,537. These products allow our members to manage their finances effectively without collateral requirements.

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 provide various financing solutions tailored to fit different budgets and requirements, making it easier for you to step into your dream home.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: All loan offers come from legitimate financial institutions, which promotes transparency and builds user trust. - No Sponsored Listings: Unlike many comparison tools, LendMesh does not prioritize lenders based on paid promotions. Our goal is to provide unbiased results so users can make informed decisions without hidden influences. - Real-Time Rate Comparisons: Users benefit from up-to-date loan rates from multiple institutions, allowing for quick and informed choices tailored to their needs. 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 testimonial reflects the reliability and effectiveness of our platform in helping individuals secure better financial outcomes. 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 commitment ensures that users receive fair and transparent offers when comparing loan options. By relying on verified institutions, LendMesh guarantees that all listed rates are not only current but also trustworthy.

Ashland