Avanti Watertown SD Credit Union | Affordable Vehicle Loans & ATM Services

Introduction

Welcome to Avanti Federal Credit Union, your trusted financial partner located at 1620 4Th St Ne, Watertown, SD 57201. Established in 1953, we have proudly served our community for over seven decades, helping our members achieve their financial dreams. With a total membership of 2,782 and assets exceeding $32,127,285, we are dedicated to providing personalized banking solutions that fit your unique needs. At Avanti, we believe in the power of community and strive to make a positive impact in the lives of our members. From offering competitive rates on loans totaling 2,373 to ensuring safe and secure savings with deposits amounting to $3,375,170, we prioritize your financial well-being. Our commitment to excellence is reflected in our robust net worth of $3,020,416 and total cash in hand of $147,432. Our leadership team is here to support you every step of the way. Under the guidance of CEO Judy Wolff and Board President Todd West, our dedicated staff of six employees is ready to assist you with all your banking needs. Whether you're looking for personal banking services like checking and savings accounts or need help with auto loans and mortgages, we've got you covered. While members can visit us at our branch address for face-to-face assistance, official correspondence should be sent to PO Box 534, Watertown, SD 57201. We invite you to explore our wide range of services online at avantifcu.net or give us a call at 605-882-2357 during our lobby hours from 7:30 AM to 5:30 PM Monday through Friday. Join us today and experience the Avanti difference a credit union that truly cares about its members!

Branch History & Mission

Commitment to Innovation

In today's fast-paced world, we understand the importance of keeping up with technology. That's why we offer online and mobile banking options for your convenience. With features such as electronic signatures and mobile payments available, managing your finances has never been easier or more secure.

Community Connections

Our commitment goes beyond financial services; we actively engage in community outreach efforts aimed at supporting local initiatives and organizations. By partnering with various groups within Watertown and surrounding areas, we strive to make a positive impact where it matters most.

Join Us Today!

We invite you to become part of the Avanti family! Experience personalized service and a wide array of benefits designed just for you. Whether you're looking for a loan or simply want assistance with your banking needs, our dedicated staff is here for you Monday through Friday from 7:30 AM to 5:30 PM. Call us at 605-882-2357 or visit our website at avantifcu.net to learn more about how we can help you reach your financial dreams. Join us today and see the difference that a member-focused credit union can make!

Mission Statement

At Avanti, our mission is simple: we are dedicated to empowering our members through exceptional financial services while fostering community support. We believe that by putting our members first and prioritizing their needs, we can help them achieve their financial goals. Our team strives to create lasting relationships built on trust and transparency. While members can visit us at 1620 4th St NE Watertown SD 57201 for all their banking needs, official correspondence should be sent to PO Box 534, Watertown, SD 57201.

Our Journey

From the start, Avanti has focused on providing accessible financial services tailored to meet the needs of our members. Over the years, we have expanded our offerings to include personal banking, auto loans, mortgage loans, credit cards with rewards, and business banking solutions. Our branch at 1620 4th St NE is conveniently located near local landmarks, making it easy for you to visit us and experience our commitment firsthand.

Branch Location & Accessibility

Connect with Us

For any inquiries or assistance, don't hesitate to give us a call at 605-882-2357. Our friendly staff is eager to help you navigate your financial journey. We invite you to come visit us soon and discover how Avanti Federal Credit Union can support your financial goals!

Convenient Access and Features

At Avanti, we pride ourselves on providing a welcoming environment for our members. Our branch features ADA-compliant accessibility options, ensuring that everyone can enjoy easy access to our services. Parking is available nearby, so you can find a spot with ease when you come to visit us. We know that your time is valuable. That's why our drive-thru service is perfect for quick deposits or withdrawals without leaving your vehicle. Whether you're in a hurry or prefer the convenience of drive-thru banking, we've got you covered.

Operating Hours

We're here for you during convenient hours from 7:30 AM to 5:30 PM Monday through Friday. Feel free to stop by during these times when our dedicated team is ready to assist you with personal banking solutions like checking and savings accounts, auto loans, mortgage loans, and more.

Member Eligibility

Welcome to the Avanti community! At Avanti, we believe that everyone deserves access to financial services that truly support their needs. Becoming a member is simple and welcoming if you live, work, or worship in Codington County, South Dakota, you're already eligible to join us. Membership at Avanti not only opens the door to various financial products and services but also means you're part of a caring community that puts your interests first. For more detailed information on eligibility criteria, feel free to check out our website at . Once you're ready to take the next step, opening an account with us is a breeze! Just visit our account opening page at http://www.avantifcu.net/loan-application , or give us a call at (605) 882-2357 if you have any questions. We can't wait to welcome you into our family at Avanti, located at 1620 4Th St Ne Watertown Sd 57201!

Business Banking & Commercial Services

Commercial Loans Tailored for Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $8 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $704,830, we continue to drive economic growth by financing new and expanding businesses. Imagine having the resources to purchase new equipment, hire additional staff, or expand your space these are just some of the possibilities that our loans can help realize.

Merchant Services that Make Transactions Easy

In today's fast-paced world, efficient payment processing is crucial. That's why we offer comprehensive merchant services tailored to meet your needs. Picture this: a busy Saturday at your local café. Customers are lined up, eager to pay for their favorite brews. With our merchant services, you can accept payments quickly and securely, keeping your lines moving and customers happy. When you partner with Avanti, you gain access to tools that simplify transactions and enhance customer satisfaction. We're here to support you every step of the way. For more information about how our business banking solutions can benefit you, visit us at 1620 4Th St Ne Watertown Sd 57201 in Watertown, SD, or call us at (605) 882-2357. Let's work together to make your business dreams a reality!

Comprehensive List Of Services

Business Banking That Supports Growth

For our business members, we offer a range of services including merchant services and business loans to help your enterprise thrive. Whether you're starting a new venture or expanding an existing one, our resources are designed to support your goals.

Digital Banking Features for Your Convenience

In today's fast-paced world, convenience is key. That's why Avanti offers robust online and mobile banking services. With these tools, managing your finances from anywhere is as easy as tapping on your phone or clicking on your computer. Need cash? While we currently do not have ATM services available, our drive-thru banking allows you to conduct deposits, withdrawals, and simple transactions with ease.

Get Started Today!

At Avanti, we're more than just a credit union; we're a community partner ready to help you achieve your financial dreams. If you're ready to experience personalized service and comprehensive financial solutions, don't hesitate! Call us at (605) 882-2357 or visit us at 1620 4Th St Ne Watertown Sd 57201 today. You can also explore more about what we offer by visiting our website at Avanti Federal Credit Union. Join us on this journey towards financial wellness!

Personal Banking Made Easy

When it comes to personal banking, we understand that everyone has unique needs. That's why we offer checking and savings accounts that allow you to manage your money easily. Imagine being able to open an account without the hassle our straightforward process helps you get started quickly, so you can focus on what matters most. If you're in the market for a new vehicle, our auto loans and vehicle financing options are designed to put you behind the wheel without breaking the bank. We also provide mortgage loans and refinancing solutions tailored for those looking to buy a home or lower their current mortgage payments. Plus, our personal loans and debt consolidation products can help streamline your finances and give you peace of mind. For everyday spending, check out our credit cards with rewards that let you earn points while making purchases. This way, every swipe counts towards something special!

Digital & Online Banking

Key Features

One of the standout features of our digital services is electronic signature authorization. This means you can sign documents online quickly and securely, making the process easier than ever. Plus, we offer e-statements so you can view your account statements digitally. This not only saves paper but also helps keep your financial information organized and accessible at all times. For those who love the ease of mobile transactions, our mobile application makes banking even simpler. Whether you're making payments or managing your accounts on the go, our app puts everything right at your fingertips. And yes, we support mobile payments! You can easily send money directly from your phone without any hassle. Need to send money to a friend? Our person-to-person transfer feature allows you to do just that in moments no need for cash or checks. It's all about giving you options that fit into your busy lifestyle. With Avanti, you'll find that banking doesn't have to be complicated. We focus on providing user-friendly tools that help you manage your finances effectively while keeping everything secure. Join us today and experience the ease of modern banking!

Financial Strength

Dedicated Team Ready to Serve You

We also take pride in having 5 full-time employees and 1 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. The personal touch we provide is part of what makes Avanti a trusted choice for your banking needs.

Focused on Member Benefits

Unlike traditional banks, we prioritize our members. While we manage resources wisely, our non-member deposits stand at $0, ensuring that our focus remains on benefiting you through better loan rates, lower fees, and exclusive perks.

Growing Member Base

Total Share Accounts: 4,458, showing a strong and growing member base that trusts us with their finances. This growth reflects the confidence our community has placed in us over the years. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Avanti is your trusted partner. Visit us at 1620 4Th St Ne Watertown Sd 57201 or call (605) 882-2357 to learn more about how we can help you achieve your financial goals.

Members' Savings Secured

Members' savings are secured through $10,763,916 in share certificates and $1,269,612 in money market shares, offering stable and rewarding financial growth opportunities. This commitment to safeguarding your investments reflects our dedication to your financial well-being.

Operational Efficiency

Our operational efficiency is reflected in our $247,771, enabling us to continue offering competitive loan rates and solid financial products for our members. We believe in transparency and accountability as key components of our service.

Reinvesting for Your Future

With $2,662,498 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our ability to support your financial goals is bolstered by our lending capacity: with $896 in used auto loans and $21,591,187 in total loans and leases, we're here to help you achieve what matters most.

Solid Financial Health

With a net worth of $3,020,416, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $939 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 $10,862,970 in used vehicle loans and $2,180,347 in new vehicle loans already helping members get on the road. Whether you want a brand-new model or a reliable used car, we can assist you in finding the right financing solution.

Business Loans

For business owners, our outstanding commercial loans totaling $704,830 provide the capital needed to grow and expand. We understand that every business has unique challenges and opportunities; that's why we're here to support you in reaching your objectives.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $1,424,949, make buying or refinancing simple. We offer various mortgage products tailored to fit your situation and help make your dream of owning a home come true.

Refinancing Options

If you're looking for ways to lower your monthly payments or access cash from your equity, we also offer refinancing options across many of our loan products. It's an excellent way to take advantage of better rates or adjust your financial commitments as needed. At Avanti, we're committed to helping you navigate your financial journey with confidence. If you're interested in learning more about our loan offerings or would like assistance with the application process, please reach out to us at 605-882-2357 during our operating hours of 7:30 AM - 5:30 PM (Monday through Friday). Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $591,371 in loans helping members manage their finances effectively. These credit cards provide an excellent way to build your credit while enjoying rewards and benefits along the way.

Loan Aggregator

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 ensures that all offers displayed are fair and transparent. By using verified data from legitimate financial institutions, LendMesh builds a trustworthy platform for users to explore their loan options confidently.

Benefits of Using LendMesh

- Verified Data: All loan offers come from reputable lenders, which promotes transparency and helps you make informed decisions. - No Sponsored Listings: Unlike some comparison tools, LendMesh does not prioritize lenders based on paid promotions. This commitment to neutrality guarantees that you receive unbiased results. - Real-Time Rate Comparisons: The platform provides up-to-date loan rates from multiple institutions, allowing you to compare your options effectively. 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!" Such testimonials reflect the reliability of LendMesh as a resource for anyone seeking competitive loan rates. 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.

AVANTI FEDERAL CREDIT UNION - Watertown, SD