Top Auto Loans & Affordable Vehicle Financing | Beacon Rochester IN Credit Union

Introduction

Welcome to Beacon at our Rochester South branch, located conveniently at 430 Rouch Place Dr, Rochester, IN 46975. Since our establishment in 1931, we have been dedicated to serving our community with trust and reliability. With a total membership of 47,685, we are proud to be a cornerstone in the lives of many families and businesses in the Rochester area. At Beacon, we understand that financial needs can vary greatly from person to person. That's why we offer a range of services designed to support both personal and business banking needs. From checking and savings accounts to auto loans and mortgages, our team is here to help you navigate your financial journey. We currently manage $1,528,868,143 in total assets and boast a robust net worth of $223,144,575, reflecting our stability and commitment to our members. Our leadership team is led by CEO Dustin Cuttriss and Board President Herbert Horrom, who share a vision of creating lasting relationships with our members while ensuring sound financial practices. Together with our dedicated staff of 274 employees, we strive to provide personalized service that makes banking easier for everyone. While members can visit us at our branch address, official correspondence should be sent to 430 Rouch Place Drive, Rochester, IN 46975 if different from the branch address. Our friendly staff is always ready to assist you during our operating hours: Monday, Tuesday, Thursday, and Friday from 8:30 AM to 5:00 PM; Wednesday until noon; and Saturday morning as well. Whether you're looking for guidance on securing a loan or managing your savings effectively, we invite you to reach out at 260-563-7443 or explore more about us on our website at beaconcu.org. Your financial well-being is our top priority come see how we can help!

Branch History & Mission

At Beacon, our journey began in 1931, right here in Rochester, Indiana. Over the decades, we have grown from a small financial institution into a trusted partner for nearly 48,000 members who rely on us for their banking needs. Our branch, located at 430 Rouch Place Dr, Rochester, IN 46975, stands as a testament to our commitment to serving our community with integrity and care. Our mission is simple yet powerful: to enhance the financial well-being of our members while actively contributing to the growth and development of the communities we serve. We believe that when our members thrive, so do we. This philosophy drives us to provide not just exceptional financial services including personal checking and savings accounts, auto loans, mortgage financing, and business banking but also robust support for local initiatives and outreach programs. Since opening our doors, we have achieved remarkable milestones. Today, our total assets have reached an impressive $1,528,868,143. This growth allows us to offer competitive rates and innovative products tailored to meet the unique needs of our diverse membership base. With a dedicated team of 274 employees, we strive to ensure that every interaction is personal and meaningful. While members can visit us at our branch for all their banking needs from basic transactions at our drive-thru service to accessing funds via ATMs we also embrace technology with options like online banking and mobile payments. We are proud to be ADA compliant and committed to making banking accessible for everyone in our community. As part of our ongoing commitment to service excellence, we actively engage in partnerships that support local schools and charities. By investing time and resources into community projects, we aim to make a lasting impact in Rochester and surrounding areas. We invite you to experience the Beacon difference for yourself. Join us today and discover how we can help you achieve your financial goals while being part of a community-focused credit union that truly cares. For more information or assistance, please call us at 260-563-7443 during our operating hours: Monday, Tuesday, Thursday, and Friday from 8:30 AM to 5:00 PM; Wednesday from 8:30 AM to 12:00 PM; or Saturday from 8:30 AM to 12:00 PM. Welcome home!

Branch Location & Accessibility

Convenient Access and Parking

At Beacon, we understand the importance of accessibility. Our location is compliant with ADA standards, featuring ramps and easy entry points for all our members. Plus, we have ample parking available right outside the branch, so you can visit us without any hassle.

Get in Touch!

Have questions or need assistance? Don't hesitate to call us at 260-563-7443. We're here to help! Come visit Beacon in Rochester; we look forward to serving you and being a part of your financial journey. While members can visit us at 430 Rouch Place Drive for all their banking needs, official correspondence should be sent to the same address as our mailing address.

Operating Hours

We invite you to stop by during our operating hours: Monday, Tuesday, Thursday, and Friday from 8:30 AM to 5:00 PM. On Wednesdays and Saturdays, we open our doors a little earlier at 8:30 AM but close at noon. This schedule allows us to serve you better while providing flexibility for your busy lifestyle.

Services Tailored for You

Our friendly team is here to assist you with a range of services designed to fit your financial needs. Whether you're looking for personal banking options like checking and savings accounts or seeking help with auto loans and mortgages, we've got you covered. We also offer online and mobile banking for those who prefer managing their finances on the go. For your convenience, we have an ATM available at this location, along with drive-thru banking services that allow you to conduct simple transactions without leaving your vehicle.

Member Eligibility

At Beacon, we believe that everyone deserves a chance to be part of a welcoming and supportive financial community. Becoming a member is simple and inclusive! If you live, work, or worship in the area around 430 Rouch Place Dr Rochester In 46975, you're likely eligible to join us. We also welcome family members of existing members, so if you have someone already with us, they can help you get started on your membership journey. Joining means gaining access to our range of services designed to help you achieve your financial goals, from personal banking to loans and more. To learn more about the specific eligibility criteria, feel free to visit our website at where you'll find all the details you need. And when you're ready to take that step, opening an account is easy! Just give us a call at (260) 563-7443, and our friendly team will guide you through the process. We can't wait to welcome you into our Beacon family!

Business Banking & Commercial Services

Practical Merchant Services

In addition to loans, we offer robust merchant services designed to simplify your payment processes. Imagine being able to accept payments seamlessly whether you're at a physical location or online. Our services enable you to focus on what you do best running your business while we take care of the financial transactions. Located at 430 Rouch Place Dr Rochester In 46975 in Rochester, IN, we're here to provide personalized service tailored to your unique business needs. Reach out today at (260) 563-7443 and discover how we can help your business thrive!

Tailored Loan Options for Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $2,753 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $4 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $721,878,625, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Banking

If you're a business owner, our business banking services are designed with you in mind. From merchant services that facilitate transactions to business loans that help fuel growth, we support local businesses in achieving their goals.

Convenient Access

To ensure accessibility, Beacon provides ATM services for cash withdrawals and balance checks at any time. For those who prefer in-person transactions, our drive-thru service allows for quick deposits and withdrawals without leaving your car. At Beacon, we believe that managing your finances should be simple and efficient. That's why we focus on delivering services that fit seamlessly into your life. If you're ready to explore how we can assist you further or if you have questions about any of our offerings, don't hesitate to reach out! Call us at 260-563-7443 today or visit us online at beaconcu.org. Your financial success is just a conversation away!

Home Financing

For those looking to buy a home or refinance an existing mortgage, our mortgage loans provide various solutions to help make homeownership a reality. We understand that each member's journey is unique, which is why we offer personalized assistance throughout the mortgage process.

Personal Banking

Our personal banking options include both checking and savings accounts designed for everyday needs. You can easily manage your finances through our online and mobile banking platforms. Imagine being able to check your balance, transfer funds, or pay bills from the comfort of your home or on-the-go. Our digital banking features ensure that managing your money is not only easy but also convenient.

Personal Loans and Credit Cards

Life can throw unexpected expenses your way. That's why we offer personal loans for debt consolidation or other financial needs. Plus, our credit cards come with rewards that let you earn while you spend perfect for everyday purchases or special treats.

Vehicle Financing

If you're planning to purchase a car, our auto loans and vehicle financing options make it straightforward. With competitive rates and flexible terms, you can drive away in your new vehicle without the stress of complicated financing processes. Our team is here to guide you through every step, ensuring you find the right loan that fits your budget.

Digital & Online Banking

Key Features

We also offer e-statements for those who prefer to go paperless, making it simple to keep track of your transactions while helping the environment. For added convenience, our mobile application is available, allowing you to manage your accounts on the go. With features like mobile payments and person-to-person transfers, sending money to friends or paying bills has never been easier. Security is our top priority, which is why we provide robust measures to protect your personal information. While we currently do not use electronic signature authorization for transactions, our systems are designed with safety in mind, giving you peace of mind when banking digitally. Our digital services cater not just to tech-savvy individuals but also to anyone looking for a straightforward way to manage their finances. At Beacon, we're dedicated to providing accessible tools that meet your needs while ensuring that banking remains a hassle-free experience. Explore more about our digital offerings and take advantage of everything we have for you by visiting https://www.beaconcu.org/ today!

Financial Strength

Growing Member Base

Total Share Accounts: 104,055, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $506,786. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Beacon is your trusted partner. Visit us at 430 Rouch Place Dr Rochester In 46975 or call (260) 563-7443 to learn more about how we can help you achieve your financial goals.

Member-Focused Savings

Members' savings are secured through $390,845,188 in share certificates and $88,671,134 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.

Operational Efficiency

Our solid $2,950,547 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 258 full-time employees and 16 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvesting for Growth

With $214,449,887 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. We're here to support your financial goals across various sectors with $2,689 in used auto loans and $1,034,908,158 in total loans and leases.

Strong Capital Foundation

With a net worth of $223,144,575, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,460 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

Additional Options

If you're considering refinancing options or want to learn more about eligibility criteria for any of our loan products, please don't hesitate to reach out. Our team is dedicated to guiding you through every step of the process. To learn more about our loan offerings or if you have any questions, feel free to call us at 260-563-7443. 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 here to help you take the next step towards achieving your financial dreams!

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $38,355,220 in used vehicle loans and $6,985,554 in new vehicle loans already helping members get on the road. Whether you're looking for a new ride or a reliable used vehicle, our loan options can fit your budget.

Commercial Loans

For business owners, our outstanding commercial loans totaling $721,878,625 provide the capital needed to grow and expand your business. We understand the challenges that come with running a business and are here to support your financial journey.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $20,341,190, make buying or refinancing simple. We provide competitive rates and flexible terms to ensure you find the right mortgage solution for your needs.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans. Although we currently have $0 in these loans available, it reflects our commitment to responsible lending and helping our members manage their finances effectively.

Loan Aggregator

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Ensuring Accurate Comparisons

LendMesh guarantees accurate loan comparisons by sourcing its data 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 without hidden fees or misleading terms.

BEACON CREDIT UNION