Butler Heritage CU Middletown OH | Affordable Vehicle Loans & Business Banking

Introduction

At Butler Heritage, we believe in building a strong community through trust, transparency, and personalized service. Established in 1956, our credit union has been a cornerstone of financial support for the people of Middletown, OH. Located at 660 N University Blvd, we proudly serve 827 members, helping them achieve their financial goals with ease. Whether you're looking for an auto loan, mortgage options, or simply a place to save your hard-earned money, we're here to help. With total assets of $9,618,188 and total deposits amounting to $40,316, we ensure that your funds are not just safe but also working effectively for you. Our commitment is evident in our net worth of $606,258 and cash reserves totaling $198,150, giving our members peace of mind. While members can visit us at our branch location for services like personal banking and online access to accounts through our website at butlerheritagefcu.org, official correspondence should be sent to the same address. We encourage you to reach out at (513) 423-2921 or send us a fax at (513) 423-1993 if you have any questions or need assistance. Our leadership team is dedicated to serving you. Under the guidance of our Board President, John Terrill, we continually strive to enhance the member experience. Although we currently have a vacant CEO position, our small but efficient team of just two employees ensures that every member receives personalized attention. Join us in making a difference in the community while achieving your own financial aspirations. Visit us today or give us a call; we are ready to support your journey!

Branch History & Mission

Embracing Change and Innovation

As times change, so do we. At Butler Heritage, we're committed to embracing digital advancements that enhance member experiences while ensuring ADA compliance for accessibility. Our online banking platform makes managing finances easier than ever for our members while maintaining security and convenience. We invite you to join Butler Heritage today! Experience firsthand the benefits of being part of a credit union that truly cares about your financial success and community well-being. For more information or assistance, feel free to contact us at 513-423-2921 or explore our website at Butler Heritage FCU. Together, let's build a brighter financial future!

Mission and Values

Our mission at Butler Heritage is simple yet profound: to provide personalized financial solutions that empower our members and uplift the community. We believe that everyone deserves access to reliable banking services that meet their individual needs. Whether it's through personal banking options like checking and savings accounts or loans for vehicles and homes, we're here to help make dreams possible. In addition to traditional banking services, we take pride in being an active part of the local community. We engage in outreach efforts that support various local initiatives and partnerships aimed at improving the quality of life for residents in Middletown. By investing in our community's growth, we strive to create lasting impact beyond just financial transactions.

Our Location and Community Ties

Our branch is located at 660 N University Blvd, Middletown, OH 45042. This central location allows us to be accessible to all our members and neighbors. We invite you to visit us during our operating hours: Monday through Wednesday from 9:00 a.m. to 5:00 p.m., Thursday until 5:30 p.m., and Friday from 9:00 a.m. to 5:00 p.m. For those who need cash or quick transactions outside of lobby hours, we offer both ATM access and drive-thru banking services. While members can visit us at our branch for their banking needs, official correspondence should be sent to the same address as our mailing address: 660 N University Blvd, Middletown, OH 45042-3356.

Branch Location & Accessibility

Accessibility Features

At Butler Heritage, we prioritize accessibility. Our branch is compliant with ADA standards, ensuring that everyone can comfortably access our facilities. We have ramps and ample parking available for your convenience.

Call to Action

We invite you to stop by Butler Heritage today or give us a call at 513-423-2921. Experience the friendly service that sets us apart as a trusted member of the Middletown community!

Operating Hours

Our friendly team is here to help you during the following hours: Monday through Wednesday from 9:00 a.m. to 5:00 p.m., and Thursday from 9:00 a.m. to 5:30 p.m. We're also open on Fridays during the same hours as Monday through Wednesday. Whether you're looking to open a new account or need assistance with loans, we're here for you!

Services Offered

We offer a variety of services tailored to meet your personal and business banking needs. From checking and savings accounts to auto loans, mortgage refinancing, and credit cards with rewards there's something for everyone! Plus, our ATM is available for quick cash withdrawals and balance checks anytime. For those who prefer the ease of drive-thru banking, we provide basic services such as deposits and withdrawals without leaving your car.

Member Eligibility

At Butler Heritage, we believe that joining our credit union is more than just opening an account; it's about becoming part of a supportive community that prioritizes your financial well-being. To become a member of Butler Heritage, you need to meet a few simple eligibility requirements. Generally, if you live, work, worship, or attend school in Butler County or have family members who are already members, you're likely eligible to join us. Becoming a member opens up a world of advantages like competitive rates on loans and savings accounts, personalized service, and community involvement. Ready to get started? You can easily open an account online by visiting this link. If you have any questions or would like more details about eligibility criteria, please don't hesitate to call us at 513-423-2921 or check out our website for the most up-to-date information at this page. We look forward to welcoming you into the Butler Heritage family!

Business Banking & Commercial Services

Merchant Services That Empower

In today's fast-paced market, efficient payment processing can set you apart from the competition. Our merchant services simplify transactions, allowing you to focus on what matters most: running your business. With our tools, you can accept payments seamlessly and manage your cash flow effectively. If you're ready to take your business to the next level, visit us at 660 N University Blvd, Middletown, OH 45042, or give us a call at 513-423-2921. Together, let's create a brighter future for your business!

Tailored Lending Options

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. Additionally, we also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions.

Comprehensive List Of Services

Business Banking Support

If you're a business owner, Butler Heritage has solutions tailored just for you. Our business banking services include merchant services and business loans designed to support your enterprise's growth and success. We believe in helping local businesses thrive by providing accessible financial resources.

Cash Withdrawal Services

For those who prefer traditional banking methods, we provide essential ATM and cash withdrawal services alongside basic drive-thru banking for deposits, withdrawals, and simple transactions. This combination allows easy access to your funds when you need them most. In short, whether you need assistance with personal finance management or business growth strategies, Butler Heritage is here for you every step of the way. We invite you to visit us at 660 N University Blvd, Middletown, OH 45042, or give us a call at 513-423-2921 to learn more about how we can support your financial journey today!

Digital Banking Features

To ensure convenience in managing your finances, we offer robust online and mobile banking services. Access your accounts from anywhere at any time whether it's checking balances, transferring funds, or paying bills all from the comfort of your home or on-the-go.

Flexible Loan Options

Sometimes life throws unexpected challenges your way. For those moments, our personal loans and debt consolidation services are available to help ease financial burdens. You can also enjoy the benefits of our credit cards with rewards, which offer cashback and points on everyday purchases making it easier for you to save as you spend.

Home Financing Made Easy

Buying a home is a significant milestone, and we are here to assist with that journey through our mortgage loans and refinancing services. Whether you're purchasing your first home or looking to refinance an existing mortgage, our team will guide you every step of the way, ensuring you understand all your options.

Personal Banking Solutions

We understand that managing your money can sometimes feel overwhelming. That's why our personal banking services are tailored to make it easier for you. With options like checking and savings accounts, you can keep your finances organized while earning interest on your savings. If you're in the market for a new vehicle, our auto loans and vehicle financing options provide competitive rates that help put you behind the wheel without breaking the bank.

Digital & Online Banking

Always Here for You

At Butler Heritage, we're committed to providing accessible financial services tailored to your needs. Our digital banking solutions make real-time account management straightforward, helping you stay in control of your finances wherever life takes you. Experience the convenience today!

Easy Access Anytime

With our 24/7 online banking services, you can check balances, pay bills, and transfer funds whenever it suits you. Just visit us at http://www.butlerheritagefcu.org to get started. No more rushing to the bank before closing time; everything you need is available right from your computer or mobile device.

Secure and User-Friendly Features

We prioritize your security while ensuring our services are user-friendly. You can enjoy features like person-to-person transfers, allowing you to send money easily to friends and family without any hassle. While we don't currently offer mobile payments or a dedicated mobile application, rest assured that our online platform is designed with your ease of use in mind.

Stay Organized with E-Statements

Managing your finances is simple with e-statements. With these electronic documents, you can keep track of your transactions and account activity without the clutter of paper statements. This eco-friendly option not only helps you stay organized but also enhances security by reducing the risk of sensitive information being lost or stolen.

Financial Strength

Commitment to Innovation and Service

With $398,113 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Our lending capacity is evident with $2,065,126 in total loans and leases, including 54 used auto loans that support your financial goals across various sectors.

Dedicated Team

We take pride in having 2 full-time employees ready to assist you with knowledgeable service. Each team member is dedicated to helping you achieve your financial goals.

Member Trust

We have established a strong foundation with 1,845 total share accounts, showcasing a growing member base that trusts us with their finances. This trust enables us to strengthen our community ties while continuing to provide quality service. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Butler Heritage is your trusted partner. Visit us at 660 N University Blvd Middletown OH 45042 or call 513-423-2921 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our operational efficiency is reflected in our recent net income of -$156,150. While this shows challenges faced during the year, it also highlights our commitment to navigating through tough times while still focusing on delivering value to our members.

Secure Savings Options

Members' savings are secured through $19,434 in share certificates, providing stable and rewarding 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.

Strong Financial Health

With a net worth of $606,258, we maintain robust financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 629 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 $725,089 in used vehicle loans and $592,614 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new model or a reliable pre-owned vehicle, we provide flexible options to suit your budget.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. While we currently do not have Junior Lien 1-4 Family Residential Properties loans available, we are here to help guide you through the process when it becomes an option.

Personal and Business Loans

In addition to our consumer loans, Butler Heritage provides various personal loan options tailored for debt consolidation and other needs. For business owners looking for capital, our offerings can help grow and expand your enterprise. For more information about our loan products or to discuss refinancing or eligibility options, please reach out at (513) 423-2921. We are here to support you every step of the way. 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 660 N University Blvd Middletown OH 45042 to learn more about how Butler Heritage can assist you in reaching your financial objectives!

Unsecured Credit Card Loans

Managing day-to-day expenses can be challenging, which is why we also offer flexible terms on unsecured credit card loans. With a total of $105,499 in unsecured credit card loans helping members manage their finances effectively, you can enjoy peace of mind knowing you have access to funds when you need them.

Loan Aggregator

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BUTLER HERITAGE FEDERAL CREDIT UNION - Middletown, OH

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