Aspen Credit Union Rapid City SD | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Aspen, where we believe in building a brighter financial future for our members. Located at 2300 W Main St, Rapid City, SD 57702, our branch has been serving the community since 1966. With over 7,400 members and a commitment to personalized service, we take pride in being more than just a credit union we're a trusted partner in your financial journey. At Aspen, we understand that every member's needs are unique. That's why we offer a wide range of services, including personal banking, auto loans, mortgages, and business banking solutions. Our total assets stand strong at $144,431,340, with total deposits reaching $4,800,950. We prioritize your financial security and growth; our net worth of $11,961,077 reflects our solid foundation. Leadership is key to our success. Under the guidance of CEO Pamela Brown-Graff and Board President Deborah Larson, our dedicated team of 27 employees is here to assist you with any financial inquiries or transactions. Whether you need assistance with online banking or prefer face-to-face interactions during our operating hours from 7:30 AM to 5:30 PM, we are here for you. While members can visit us at our branch address for all their banking needs, official correspondence should be sent to the same location: 2300 W Main St, Rapid City, SD 57702. Join the Aspen family today and experience financial services that truly care about your well-being. Give us a call at 605-342-7776 or explore more about us on our website Aspen FCU. We look forward to helping you achieve your financial goals!

Branch History & Mission

Community Impact

Aspen takes pride in its role within the community. We actively participate in outreach programs and partnerships that promote financial literacy and support local businesses. Our shared service center enhances collaboration with other credit unions, allowing us to expand our reach and better serve our members. Additionally, we are dedicated to ensuring that everyone can access our services comfortably. Our branch is ADA compliant and features convenient drive-thru banking options along with ATM availability for your ease. As we continue on this journey together, we invite you to join the Aspen family. Experience firsthand how we combine outstanding financial services with genuine care for our community. Visit us today or give us a call at 605-342-7776 to learn more about becoming a member! Together, let's build a brighter financial future for all in Rapid City!

Our Mission

At Aspen, our mission is straightforward: to provide exceptional financial services while uplifting our community. We believe in making banking personal and accessible for everyone. Our commitment extends beyond just providing loans and accounts; we strive to support local initiatives that make Rapid City a better place for all its residents. We offer a range of services tailored to meet your needs from checking and savings accounts to auto loans and mortgage financing. In addition to traditional banking services, we embrace digital advancements like online banking and mobile payments to ensure you can manage your finances anytime and anywhere.

Branch Location & Accessibility

Welcome to Aspen's West Branch, your friendly neighborhood credit union located at 2300 W Main St in Rapid City, SD! We understand that convenience matters, which is why our branch is easily accessible and designed with our members' needs in mind. Nestled close to local favorites and essential services, you can stop by for all your banking needs while enjoying the vibrant community atmosphere. While members can visit us at 2300 W Main St, official correspondence should be sent to the same address. Our location offers ample parking, ensuring easy access whether you're driving through or stopping in. Plus, we're committed to accessibility, featuring ADA-compliant facilities that make it easy for everyone to bank with us. Our friendly staff is here during convenient hours from 7:30 AM to 5:30 PM on weekdays, ready to assist you with everything from checking and savings accounts to auto loans and more. If you prefer banking on the go, we also offer online and mobile banking options. For those who appreciate a little extra convenience, our drive-thru service allows you to handle quick transactions without leaving your car. Need cash? No problem! We have an ATM available on-site for your ease. Plus, if you're a member of a partner credit union, you can take advantage of our shared services for deposits and withdrawals. We invite you to visit us at Aspen's West Branch today or give us a call at 605-342-7776. Let us help you achieve your financial goals while being a part of this wonderful community!

Member Eligibility

At Aspen, we believe that becoming a member means joining a caring community where everyone supports one another. If you're looking to enjoy the benefits of our services, it's easy to become part of our family! We welcome individuals who live, work, worship, or attend school in the area. You can also qualify through family connections so if you have a relative who is already a member, you're in! For more detailed information on eligibility requirements, please check out our website at https://www.aspenfcu.com/about/who-we-are/become-a-member.html. Once you're ready to take the next step, opening an account with us is straightforward and welcoming. You'll find that our team is here to guide you through each step of the process. Whether you're interested in checking accounts, loans, or other financial products, we make it easy for you to get started. If you have any questions or need assistance, feel free to give us a call at (605) 342-7776. Join us at Aspen, located at 2300 W Main St Rapid City Sd 57702, and experience the advantages of being part of a member-focused credit union!

Business Banking & Commercial Services

Merchant Services That Matter

In addition to loans, we offer merchant services designed to simplify daily operations. For instance, a local retailer can easily process transactions through our point-of-sale systems, allowing them to focus on what they do best serving customers. Whether it's managing payments or accessing funds quickly, our services aim to boost your efficiency and profitability. Located at 2300 W Main St Rapid City Sd 57702 in Rapid City, SD, we are here to help you navigate your business journey. Connect with us today at (605) 342-7776!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $126 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 $14,379,066, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Embracing Digital Convenience

In today's fast-paced world, having access to banking at your fingertips is crucial. Our Online & Mobile Banking services empower you to manage your accounts anytime, anywhere. From checking balances to making payments or transferring funds, everything is just a few taps away. You can also enjoy hassle-free cash withdrawal through our ATMs or utilize our basic drive-thru banking for quick transactions like deposits and withdrawals.

Managing Debt? We Can Help!

Life can sometimes throw unexpected expenses your way. That's why we offer Personal Loans & Debt Consolidation solutions. These services can assist you in managing your finances effectively, allowing you to regain control without added stress.

Personal Banking Made Easy

When it comes to personal finance, we understand that each member has unique goals. Whether you're looking to open a checking or savings account, Aspen has you covered with options that fit your lifestyle. For those considering purchasing a vehicle, our Auto Loans & Vehicle Financing offer competitive rates and flexible terms, making it easier for you to drive away in your dream car. If homeownership is on your mind, explore our Mortgage Loans & Refinancing services designed to help you secure the best deal possible.

Rewarding Credit Options

For everyday purchases and special occasions alike, consider our Credit Cards with Rewards. These cards not only provide convenience but also earn you rewards for spending turning regular shopping into valuable benefits.

Shared Branching Opportunities

If you're a member of another participating credit union, you'll appreciate our Basic Shared Branch Transactions, which allow you to conduct deposits and withdrawals seamlessly across partner institutions. At Aspen, we're dedicated to ensuring that all members have easy access to their finances while enjoying personalized service from our friendly staff. If you have questions about any of our offerings or want to know more about how we can assist you in reaching your financial goals, don't hesitate to reach out! Call us at 605-342-7776 or visit us today. Let us help make your financial journey smooth and rewarding!

Supporting Local Businesses

For our business members, Aspen offers comprehensive Business Banking services, including merchant services and business loans. We understand the challenges faced by local businesses and are here to support their growth and success.

Digital & Online Banking

Convenient Online Access

With our 24/7 Online Banking service available at https://www.aspenfcu.com/, you can check balances, pay bills, and transfer funds anytime, anywhere. No need to rush to the bank during business hours; everything you need is right at your fingertips. Plus, with our mobile application, you can manage your accounts directly from your smartphone, making banking even more accessible.

Effortless Transactions

Sending money is a breeze with our Person-to-Person Transfers feature. Whether you're paying a friend back for lunch or splitting a bill, you can do it quickly and securely through our platform. Additionally, if you're looking to make purchases on the go, our Mobile Payments Feature allows you to pay directly from your mobile device no wallet needed! In summary, Aspen's digital and online banking services combine convenience, security, and ease-of-use. We're here to help you take control of your finances whenever and wherever you need it! Explore all the options available by visiting us at https://www.aspenfcu.com/ today.

Enhanced Features for Your Security

We prioritize your security with features like Electronic Signature Authorization and E-Statements Availability. This means you can easily sign documents online and receive your statements electronically, reducing paper clutter while keeping sensitive information safe. You'll enjoy peace of mind knowing that our systems are built with your protection in mind.

Financial Strength

At Aspen, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are proud to share our financial strength with you, which reflects our commitment to providing reliable services and support to every member. With a net worth of $11,961,077, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $828 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $32,248,142 in share certificates and $8,701,238 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $25,676,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $11,584,071 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; we have $1,952 in used auto loans and a total of $126,120,332 in loans and leases available. Our operational efficiency is reflected in our $377,006, which allows us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 26 full-time employees and 1 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Net Shares (Funds available for lending and investments): $0. Total Share Accounts: 14,437, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Aspen is your trusted partner. Visit us at 2300 W Main St Rapid City Sd 57702 or call (605) 342-7776 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.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $37,358,373 in used vehicle loans and $9,074,928 in new vehicle loans already helping members get on the road. Whether you're eyeing a sleek sedan or a rugged SUV, our financing options can help make it happen. Plus, if you're interested in refinancing an existing auto loan for better terms, we can assist with that too.

Business Financing

If you're a business owner, our outstanding commercial loans totaling $14,379,066 provide the capital needed to grow and expand. We're here to support local businesses as they thrive and contribute to our community. At Aspen, we pride ourselves on offering personalized service tailored to your financial needs. To learn more about eligibility options or how we can assist you further, feel free to reach out at (605) 342-7776 or visit us at 2300 W Main St Rapid City Sd 57702 in Rapid City, SD. 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're ready to help you take the next step toward achieving your financial dreams!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $25,316,092, make buying or refinancing simple. We aim to guide you through the process and help you find the right solution for your budget.

Unsecured Credit Card Loans

For those looking for flexibility in managing expenses, we also offer flexible terms on unsecured credit card loans. With a total of $3,740,696 in loans helping members manage their finances effectively, our credit cards come with various benefits designed to support your spending habits while keeping costs manageable.

Loan Aggregator

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Ensuring 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 commitment to accuracy ensures that users receive fair and transparent offers. Each loan listing is verified, allowing you to trust that the information you see reflects actual opportunities available to you.

Aspen