Introduction
Welcome to B.e.a. Credit Union, your trusted financial partner located at 101 School St, Bethalto, IL 62010. Since our establishment in 1954, we have been dedicated to serving our community with integrity and care. With a total membership of 439 and assets reaching $2,703,524, we pride ourselves on being a member-focused credit union that understands your needs. At B.e.a. Credit Union, we believe in making banking accessible and beneficial for everyone. Our commitment to our members is evident through our total deposits of $371,002 and a net worth of $623,428. Whether you're looking for loans or savings options, our team is here to help you navigate your financial journey with ease. We currently manage 189 loans and leases to support you in achieving your financial goals. Our leadership team, led by CEO Joseph Schoppet and Board President Stephen Lowrance, is passionate about fostering a welcoming environment where every member feels valued. With just two employees, we ensure personalized service that meets the unique needs of each individual in our community. While members can visit us at our branch location for assistance during our lobby hours Monday, Wednesday, and Friday from 3:30 PM to 5:30 PM official correspondence should be sent to the same address listed above. We invite you to reach out to us at (618) 377-3948 for any inquiries or visit our website for more information. Join us today and experience the difference of being part of a community-focused credit union!
Branch History & Mission
At B.e.a. in Bethalto, Illinois, we proudly carry a rich legacy that dates back to our founding in 1954. From humble beginnings, we have grown into a trusted financial partner for our community, helping individuals and families achieve their financial dreams. With a strong commitment to service, we have welcomed over 439 members who trust us with their financial needs. Our branch is conveniently located at 101 School St, making it easy for you to stop by and experience our friendly atmosphere. As a credit union, our mission goes beyond just providing financial services; we aim to foster community growth and support. We believe in empowering our members through accessible banking solutions while actively engaging in local outreach initiatives. We focus on building lasting relationships and helping each member navigate their financial journey with confidence. Over the years, B.e.a. has achieved significant milestones, including amassing total assets of $2,703,524. This growth reflects not just our success but also the trust placed in us by our members. Our commitment to transparency and responsible management ensures that every dollar is working for you. While members can visit us at 101 School St, official correspondence should be sent to the same address for your convenience. Our operating hours are Monday, Wednesday, and Friday from 3:30 PM to 5:30 PM perfect for those who need assistance after work or school. We understand that accessibility is key in today's world. Though we currently do not offer ATM services or drive-thru banking, we are focused on enhancing our digital presence and ensuring ADA compliance to better serve all community members. B.e.a. is more than just a place to bank; it's a place where you can find resources for financial education and community support. Join us as we continue to grow together! Discover the difference of being a member of B.e.a., where your financial well-being is our priority. If you're ready to take the next step towards achieving your financial goals, give us a call at 618-377-3948 or visit us today!
Branch Location & Accessibility
Welcome to B.e.a. Credit Union, your friendly financial partner located conveniently at 101 School St in the heart of Bethalto, Illinois. Our branch is nestled in a welcoming community, making it easy for you to stop by and take care of your banking needs. Whether you're coming from the local schools or nearby parks, you'll find us in a spot that's both accessible and inviting. While members can visit us at our branch address, official correspondence should be sent to the same location at 101 School St, Bethalto, IL 62010. We are proud to serve Madison County, and our location is designed with accessibility in mind, featuring ADA-compliant entrances and ample parking for your convenience. At B.e.a. Credit Union, we understand that your time is valuable. That's why we offer lobby hours on Monday, Wednesday, and Friday from 3:30 PM to 5:30 PM. Although we currently do not have ATM services or drive-thru banking available, our dedicated team is here during those hours to assist you with all your banking needs. Our branch may be small, but we are committed to providing personalized service that makes every visit worthwhile. If you have questions or need assistance outside of operating hours, feel free to give us a call at 618-377-3948. We're always happy to help! We invite you to come by B.e.a. Credit Union today and experience the difference of community-focused banking. Let us help you achieve your financial goals!
Member Eligibility
Becoming a member of B.e.a. feels like joining a welcoming community where your financial needs are understood and prioritized. If you live, work, worship, or attend school in the Bethalto area, you're already on your way to enjoying the benefits of membership! At B.e.a., we believe in creating an inclusive environment for everyone. By choosing us, you gain access to personalized service and a variety of financial products tailored to meet your needs. To get started, simply visit our branch at 101 School St Bethalto Il 62010 or give us a call at (618) 377-3948 for more information on how to open an account. You can also check out the detailed eligibility criteria on our website. We're excited to welcome you into our family and help you achieve your financial goals!
Business Banking & Commercial Services
Merchant Services Made Easy
In addition to loans, we offer practical merchant services that simplify daily transactions. Imagine processing payments seamlessly at your storefront or online, ensuring you never miss a sale. With our solutions, you can focus on what really matters growing your business. Visit us at 101 School St Bethalto Il 62010 in Bethalto, IL or call us at (618) 377-3948 to learn how we can partner with you on your business journey.
Tailored Loan Solutions
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. - 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 $0, we continue to drive economic growth by financing new and expanding businesses.
Comprehensive List Of Services
Community-Centric Approach
As part of the Bea Credit Union, we pride ourselves on being a community-focused credit union. We believe in building lasting relationships with our members and providing support that goes beyond just transactions. If you have questions about our services or need assistance with your finances, don't hesitate to reach out. You can contact us at (618) 377-3948 during our lobby hours: Monday, Wednesday, and Friday from 3:30 PM to 5:30 PM.
Emphasis on Accessibility and Convenience
In today's fast-paced world, accessibility is key. Our ATM services ensure that you can get cash quickly and efficiently, whether you're out running errands or preparing for a weekend getaway. With our commitment to ease of access, you can trust that your financial resources are always within reach.
Join Us Today!
If you're looking for a reliable partner in your financial journey, consider becoming a member of B.e.a.. We are here to support your goals and help you achieve financial wellness with our tailored services. Visit us at 101 School St Bethalto Il 62010 or give us a call at (618) 377-3948 we can't wait to welcome you into the family!
Personalized Banking Solutions
Whether you're looking to open an account, apply for a loan, or manage your savings, we've got you covered. At B.e.a., we offer ATM Services Only that provide easy access to your funds when you need them most. Imagine being able to withdraw cash or check your balance without any hassle our ATMs are designed for your convenience.
Digital & Online Banking
Convenience Anytime
Managing money shouldn't be a hassle. With real-time account access through our online banking services, you'll be able to monitor your finances anytime, anywhere. While person-to-person transfers aren't available right now, we're continuously looking for ways to improve your experience. At B.e.a., we believe that banking should fit into your lifestyle not the other way around. We invite you to explore our current digital services and stay tuned for exciting updates that will make managing your finances even easier!
Key Features
With our online banking platform, accessible, you can check your account balances, view recent transactions, and transfer funds all from the comfort of your device. Our user-friendly interface ensures that even those new to online banking will feel right at home. While we currently do not offer features like electronic signatures or e-statements, we prioritize security in every interaction. Your personal information is safeguarded with advanced security measures, so you can bank confidently. For members looking for simple ways to manage payments, our mobile payments feature is on the horizon. This will allow you to make quick payments directly from your smartphone. Although our mobile application isn't available yet, we are committed to enhancing our digital offerings to better serve you in the future.
Financial Strength
At B.e.a., 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 understand that trust is built on transparency, so let's take a closer look at our financial health, reassuring you of our reliability as your credit union. With a net worth of $623,428, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 23.06% 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 $0 in share certificates and $0 in money market shares, offering stable and rewarding financial growth opportunities. 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. With $393,379 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 members' financial goals across various sectors with $87 in used auto loans and $2,148,618 in total loans and leases. Our operational efficiency is reflected in our $3,300, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 0 full-time employees and 2 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. The strength of our member base is evident with a total of 449 share accounts. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, B.e.a. is your trusted partner. Visit us at 101 School St Bethalto Il 62010 or call (618) 377-3948 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 $1,168,417 in used vehicle loans and $558,822 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 flexible terms make it easy to find the right solution for your budget.
Credit Lines
If you need a little extra flexibility in your budgeting, our credit lines totaling $250,000 offer an easy way to access funds when you need them most. This product is perfect for unexpected expenses or short-term financial needs.
Mortgage Loans
Thinking about homeownership? While we currently do not have mortgage options available specifically for Junior Lien 1-4 Family Residential Properties loans, we encourage you to check back often as our offerings may expand. We are committed to supporting our members' journeys toward homeownership.
Refinancing Options
We recognize that circumstances change and refinancing can be a great option. If you're interested in exploring refinancing opportunities for any existing loans or finding out if you're eligible for one of our new products, don't hesitate to reach out. Our team is here to guide you through your options. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At B.e.a., we're dedicated to providing straightforward solutions tailored to meet your financial needs. Visit us today or give us a call; we look forward to assisting you!
Unsecured Credit Card Loans
For those looking to manage everyday expenses effectively, we also offer flexible terms on unsecured credit card loans. Though we currently show no outstanding amounts in this category, stay tuned for future opportunities that can assist you in managing your finances more efficiently.
Loan Aggregator
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