C E S Credit Union Utica OH | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to C E S, your trusted community credit union located at 8 N Main St, Utica, OH 43080. Since our establishment in 1952, we have proudly served over 17,221 members, providing them with essential financial services and support tailored to their needs. With a robust asset base of $214,760,552 and total deposits reaching $7,933,244, we are committed to ensuring that our members' money is safe and working hard for them. At C E S, we understand that every member's journey is unique. That's why we offer a variety of services including personal banking, auto loans, mortgages, and business banking solutions. Whether you're looking to open a checking account or secure a loan for your dream car, our dedicated team of 58 employees is here to help you every step of the way. If you need to reach us for any inquiries or assistance, feel free to call us at 740-397-1136. While members can visit us at our branch location for face-to-face service, official correspondence should be sent to our mailing address: P.O. Box 545, Utica, OH 43080. Led by our CEO Sandy Coffing and Board President Jeff Wells, C E S is deeply committed to enhancing the financial well-being of our community. We believe in building strong relationships with our members based on trust and transparency. As part of our commitment to you, we are proud of maintaining a net worth of $25,115,134, ensuring that we remain a reliable financial partner for all your needs. We invite you to discover how C E S can help you achieve your financial goals visit us today or check out our website at cescu.com for more information!

Branch History & Mission

Community Engagement

C E S actively engages in community outreach programs aimed at making a positive impact in Utica and surrounding areas. Our partnerships with local organizations help us address pressing needs while fostering a spirit of collaboration among residents. We invite you to join us at C E S as we continue this journey together. Experience firsthand how our commitment to service can help you reach your financial dreams. For more information or to become a member today, please call us at (740) 397-1136 or visit our website at www.cescu.com. Let's build a brighter future together!

Mission Statement

Our mission goes beyond just providing financial products; it's about building lasting relationships with our members and supporting the communities we serve. We strive to offer not only competitive rates but also educational resources that help people make informed decisions about their finances. Our focus on customer-centric initiatives means that every interaction is designed with your needs in mind. While members can visit us at 8 N Main St Utica Oh 43080, official correspondence should be sent to P.O. Box 545, Utica, OH 43080 if different. We are proud to offer drive-thru banking and ATM services for added convenience during your busy days.

Our Journey

C E S began with a simple mission: to serve the financial needs of our members while promoting a sense of community. From humble beginnings at our current location at 8 N Main St Utica, OH 43080, we have expanded our offerings to include personal banking, auto loans, mortgage financing, and much more. Our total assets now stand at an impressive $214,760,552 a testament to our growth and stability. As we evolved through the decades, we embraced technology to enhance member experience. Today, we offer online banking and mobile payment options that provide convenience without sacrificing personal service. Our dedication to accessibility is also evident in our ADA-compliant facilities and shared service center availability for those who need it.

Branch Location & Accessibility

Get in Touch!

Have questions or want to learn more about what we offer? Don't hesitate to give us a call at 740-397-1136. We're here to help you navigate your financial journey with ease and confidence. Stop by today at C E S in Utica we look forward to welcoming you!

Nearby Landmarks and Accessibility

Situated right in the heart of Utica, our branch is close to several local landmarks, making it a breeze to stop by. With ample parking available, you'll find it easy to access our building. We ensure that our facilities are accessible to everyone, including those with mobility challenges. Our branch meets ADA standards with features like ramps and spacious entrances.

Operating Hours

We know your time is valuable. That's why we offer flexible operating hours to fit your busy schedule. You can visit us Monday through Friday from 8:30 AM to 5:30 PM, and on Saturdays from 9:00 AM to 1:00 PM. For those who prefer drive-thru banking, our drive-thru service operates Monday through Thursday from 8:30 AM to 5:30 PM and extends until 6:00 PM on Fridays.

Services Offered

At C E S, we pride ourselves on offering a wide range of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgages, we've got you covered. Need quick cash? Our ATM is conveniently located for easy withdrawals or balance checks. Plus, if you're a member of another credit union, take advantage of our shared service center for basic transactions.

Member Eligibility

At C E S, we believe that everyone deserves a chance to be part of a caring and supportive community. Becoming a member is easy and welcoming, and we're excited to have you join us! If you live, work, worship, or attend school in the Licking County area, you're likely eligible for membership. We also encourage family members of existing members to apply. To learn more about the specific eligibility requirements, feel free to visit our detailed page at http://www.cescu.com/save/join-now . Once you determine your eligibility, opening an account is a straightforward process. You can get started online by visiting https://cescu.symapp.jhahosted.com/ , or you're welcome to give us a call at (740) 397-1136 if you have any questions or need assistance. We're here to help you every step of the way as you join our community at C E S, located at 8 N Main St Utica Oh 43080. Welcome aboard!

Business Banking & Commercial Services

Merchant Services Made Simple

In addition to loans, we offer merchant services that make everyday transactions easier for you. Picture this: your customers can pay easily with various methods, enhancing their shopping experience and boosting your sales. At C E S, we ensure you have the tools needed to keep your business running smoothly. Located at 8 N Main St Utica Oh 43080 in Utica, OH, we're here to support your financial journey. For more information about how we can help your business grow, give us a call at (740) 397-1136!

Supporting Business Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $2 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $151,984, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Banking

If you're a business owner, we haven't forgotten about you! Our Business Banking services include merchant services and business loans tailored to support your entrepreneurial journey. We want to see your business thrive!

Credit Cards

For those who love rewards, check out our Credit Cards with Rewards program. It's an excellent way to earn points on your everyday purchases, helping you get more from what you spend.

Digital Banking Convenience

In today's fast-paced world, convenience matters. That's why we offer robust Online & Mobile Banking platforms. You can manage your accounts anytime, anywhere pay bills, transfer money, or even make deposits right from your phone. Plus, with our ATM and cash withdrawal services available nearby, accessing your funds has never been easier.

Drive-Thru and Shared Services

Our branch features basic drive-thru banking for quick transactions such as deposits and withdrawals. If you're a member of a partner credit union, take advantage of our shared branch transactions for added flexibility when managing your funds. At C E S, we're proud to be more than just a financial institution; we're a community partner committed to supporting your financial well-being. Whether you visit us at our location on 8 N Main St Utica Oh 43080 or connect online through our website at Utica Center, we're here for all your banking needs. Ready to take the next step? Call us today at (740) 397-1136 or stop by during our operating hours: Lobby hours are Monday through Friday from 8:30 AM to 5:30 PM, with extended hours until 6:00 PM on Fridays and Saturday hours from 9:00 AM to 1:00 PM. We look forward to serving you!

Loans and Financing

Need a new car? At C E S, we provide competitive Auto Loans & Vehicle Financing options to help you hit the road in style without breaking the bank. If you're thinking about buying a home, our Mortgage Loans & Refinancing services can guide you through the process smoothly, ensuring that you find the best rates available. Additionally, our Personal Loans & Debt Consolidation solutions are there for those unexpected expenses or when you need some extra cash flow.

Personal Banking

Whether you're looking to save for a rainy day or manage your daily expenses, our Personal Banking options are designed with you in mind. We offer both checking and savings accounts that help you keep track of your finances effortlessly. Imagine having a reliable place to deposit your money while earning interest on your savings!

Digital & Online Banking

Always Accessible

Our 24/7 online banking services mean you never have to worry about business hours. Whether it's early morning or late at night, you can manage your accounts at any time that suits you. With all these features combined, C E S ensures that your banking experience is not only user-friendly but also tailored to fit into your busy lifestyle. We're committed to making banking straightforward and secure. Join us today at https://www.cescu.com/ and discover how our digital services can simplify your financial life!

Key Features

With our online banking platform, accessible at https://www.cescu.com/ , you can easily check your account balances, pay bills, and transfer funds all from the comfort of your home or while on the go. We offer a mobile application that makes it even simpler to manage your finances right from your smartphone. You can also enjoy the benefits of electronic signature authorization, allowing you to sign documents quickly and securely without needing to visit a branch. For those who prefer paperless transactions, we provide e-statements, giving you immediate access to your financial records while helping you reduce clutter. Plus, our mobile payments feature allows for fast transactions directly from your phone ideal for quick purchases or splitting costs with friends through person-to-person transfers.

Financial Strength

Committed to Growth

With $20,431,439 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. This commitment helps us adapt to your needs while maintaining our robust financial standing. Our lending capacity supports members' financial goals across various sectors with $2,629 in used auto loans and $121,887,887 in total loans and leases. Additionally, our impressive $2,321,623 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members.

Conclusion

Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, C E S is your trusted partner. Visit us at 8 N Main St Utica Oh 43080 or call (740) 397-1136 to learn more about how we can help you achieve your financial goals.

Dedicated Team

We also take pride in having 49 full-time employees and 9 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Our staff is dedicated to helping you navigate your financial journey with personalized attention. With net shares available for lending and investments totaling $0, along with a strong membership base reflected by 40,253, we are well-equipped to meet your needs now and into the future.

Member-Centric Savings

Your savings are secured through $25,335,051 in share certificates and $8,976,291 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.

Our Financial Health

With a net worth of $25,115,134, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. This solid foundation enables us to support our members through various financial needs, ensuring we are always there when it matters most. Our net worth ratio of $1,169 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. This resilience is vital for maintaining your confidence in us as your trusted financial partner.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $36,743,283 in used vehicle loans and $18,817,535 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive rates that make financing your vehicle straightforward. Whether you're interested in a brand-new model or a reliable used car, our team is here to guide you through the process.

Business Loans

For business owners, our outstanding commercial loans totaling $151,984 provide the capital needed to grow and expand. Whether you're starting a new venture or looking to enhance an existing one, our tailored solutions can help you achieve your business objectives. At C E S, we prioritize helping our members succeed financially. If you're considering refinancing options or want more information about eligibility for any of our loan products, feel free to reach out! You can contact us at (740) 397-1136 or visit us at our branch located at 8 N Main St Utica Oh 43080 in Utica, OH. For performance insights and financial data sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results, you can rest assured that you're making informed decisions with us by your side.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $4,623,145, make buying or refinancing simple. We know that securing a mortgage can be overwhelming, but our experienced staff is ready to help you navigate the process and find a solution that fits your budget and lifestyle.

Unsecured Credit Card Loans

Managing everyday expenses can sometimes require additional support. We also offer flexible terms on unsecured credit card loans, with a total of $5,740,482 in loans helping members manage their finances effectively. These credit cards provide an easy way to cover unexpected costs while allowing you to build your credit score at the same time.

Loan Aggregator

Ensuring Accurate Comparisons

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Real-Time Insights

With up-to-date loan rates from multiple institutions, LendMesh helps users quickly find the best deals available. Whether you are looking for a new car or a mortgage for your home, having access to real-time comparisons allows you to act swiftly and confidently. 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!" This testimonial reflects the positive impact LendMesh has had on individuals seeking financial clarity. 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.

C E S CREDIT UNION