Cape Regional Credit Union Cape Girardeau MO | Best Auto Loans & Business Banking

Introduction

Welcome to Cape Regional, your trusted partner in financial services located at 2427 Cape Centre Dr, Cape Girardeau, MO 63703. Established in 1971, we have proudly served our community for over five decades, building a strong foundation of trust and reliability among our 2,454 members. At Cape Regional, we believe that every member matters, and we are committed to helping you achieve your financial goals with personalized services tailored just for you. As a member-focused credit union with total assets of $17,619,586, we understand the importance of securing your financial future. Our offerings include checking and savings accounts, auto loans, mortgage loans, personal loans, and business banking services. With a total loan portfolio of 871 loans, we are here to support you whether you're purchasing your dream car or managing your business finances. While members can visit us at our branch location, official correspondence should be sent to our mailing address: 2427 Cape Centre, Cape Girardeau, MO 63703-5771. We pride ourselves on transparency and accessibility feel free to reach out to us at (573) 334-7686 or explore our website at Cape Regional for more information. Under the leadership of CEO James Cauble and Board President John Creutz, our dedicated team of 10 employees works tirelessly to ensure that each member receives the best possible service. With a net worth of $1,422,088 and cash in hand amounting to $445,295, we are financially sound and ready to assist you with all your banking needs. Join us today and experience the difference that comes from being part of a community-oriented credit union. Visit us during our operating hours: Monday through Wednesday from 8 AM to 5 PM, Thursday and Friday from 8 AM to 6 PM, and Saturday from 9 AM to 12 PM. We're excited to help you on your financial journey!

Branch History & Mission

Community Focus

Cape Regional Credit Union is not just about transactions; it's about relationships. We actively engage in community outreach efforts and partner with local organizations to support initiatives that make a difference in people's lives. From financial education programs to charity events, we aim to uplift our community at every opportunity. While members can visit us at 2427 Cape Centre Dr Cape Girardeau Mo 63703, official correspondence should be sent to 2427 Cape Centre, Cape Girardeau, MO 63703-5771. Our friendly team is here during regular hours Monday through Wednesday from 8 AM to 5 PM, Thursday and Friday from 8 AM to 6 PM, and Saturday from 9 AM to 12 PM to assist you with your financial needs.

Join Us Today!

We invite you to experience the benefits of membership at Cape Regional Credit Union. Whether you're looking for personal banking options or business solutions, we are here for you every step of the way. Visit us online at Cape Regional Credit Union or call us at (573) 334-7686 for more information on how you can join our family today!

Our Mission

At Cape Regional, our mission is simple yet profound: to empower our members with the financial tools they need to achieve their dreams while fostering a strong sense of community. We strive to provide high-quality personal banking services including checking and savings accounts, auto loans, mortgages, and business banking solutions. We believe that by supporting our members financially, we can contribute to the overall well-being of the communities we serve. As technology evolves, so do we. Our commitment to digital advancements ensures that members have access to online banking and person-to-person payment options making managing finances easier than ever before. While our physical branch offers traditional banking services like drive-thru access and ATM availability, we are dedicated to ensuring everyone can benefit from our services.

Branch Location & Accessibility

Welcome to Cape Regional, your friendly neighborhood credit union located conveniently at 2427 Cape Centre Dr, Cape Girardeau, MO 63703. We're proud to serve our community in Cape Girardeau County, and we understand how important accessibility is for our members. Whether you're stopping by to discuss your financial goals or to take care of everyday banking needs, we are here for you. Our branch is easy to find and situated near popular landmarks, making it a breeze to visit. Plus, ample parking is available right outside, ensuring that you won't have to worry about finding a spot. We've also made sure that our facilities are ADA compliant so that everyone can enjoy easy access. At Cape Regional, we offer a range of services tailored to fit your lifestyle. Our operating hours are designed with your convenience in mind: we're open Monday through Wednesday from 8 AM to 5 PM, Thursday and Friday from 8 AM to 6 PM, and Saturday from 9 AM to 12 PM. If you prefer quick transactions, take advantage of our drive-thru banking or ATM services that allow you to handle deposits and withdrawals swiftly. For any correspondence that needs to be sent through the mail, please use our mailing address: 2427 Cape Centre, Cape Girardeau, MO 63703-5771. If you have any questions or need assistance, don't hesitate to reach out at 573-334-7686. We invite you to come visit us at Cape Regional where your financial well-being is our top priority!

Member Eligibility

Becoming a member of Cape Regional is like joining a close-knit family that prioritizes your financial well-being. We welcome anyone who lives, works, or worships in our community, as well as immediate family members of current members. This means that whether you're a long-time resident or just starting out in Cape Girardeau, MO, you can enjoy the benefits of being part of our supportive network. At Cape Regional, located at 2427 Cape Centre Dr Cape Girardeau Mo 63703, we offer a range of services designed to help you thrive financially, from checking and savings accounts to auto loans and more. The process to join us is simple and straightforward. Just visit our eligibility page at https://caperegionalcu.com/become-a-member/ for detailed criteria, and when you're ready to open an account, head over to https://caperegionalcu.com/apply-now/ . If you have any questions or need assistance along the way, feel free to give us a call at (573) 334-7686. We're here to help you take the first step towards a brighter financial future!

Business Banking & Commercial Services

Merchant Services That Matter

Imagine running your business with reliable payment solutions that keep your cash flow steady. Our merchant services are designed to simplify transactions, allowing you to focus on what you do best growing your business. From card processing to online payments, we're here to help streamline operations so you can serve your customers better. If you're interested in learning more about how Cape Regional can support your business journey, feel free to visit us at 2427 Cape Centre Dr Cape Girardeau Mo 63703 in Cape Girardeau, MO or give us a call at (573) 334-7686. Let's work together to achieve your business goals!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. While we currently have no commercial loans available, we're always exploring ways to better serve our members and the local economy.

Comprehensive List Of Services

Auto Financing Made Easy

Thinking about buying a new car? Our Auto Loans & Vehicle Financing options make it easy to get behind the wheel without breaking the bank. We offer competitive rates and terms that suit your budget, so you can focus on enjoying your new ride rather than worrying about payments.

Business Banking Services

For those running their own business, we know how important it is to have reliable banking support. Our Business Banking offerings include essential services like Merchant Services & Business Loans, designed to help your business thrive.

Convenient Digital Banking

In today's fast-paced world, convenience is key. That's why we offer robust Online & Mobile Banking features that allow you to manage your accounts anytime, anywhere. Need cash on the go? Our ATM & Cash Withdrawal Services ensure access when you need it most. For simple transactions, take advantage of our Basic Drive-Thru Banking services for deposits and withdrawals. As part of our commitment to making banking as easy as possible, we also provide Basic ATM Access for quick withdrawals and balance checks ideal for those busy days when you're on the move.

Get in Touch!

Ready to explore how our services can benefit you? Visit us at 2427 Cape Centre Dr Cape Girardeau Mo 63703 in Cape Girardeau, MO, or give us a call at (573) 334-7686. Our friendly team is here Monday through Wednesday from 8 AM to 5 PM, Thursday and Friday until 6 PM, and Saturday from 9 AM to 12 PM. Discover all that Cape Regional Cu has to offer today!

Home Ownership Support

Owning a home is one of life's biggest milestones. At Cape Regional, we provide comprehensive Mortgage Loans & Refinancing services to help make that dream a reality. Whether you're purchasing your first home or refinancing an existing mortgage, our knowledgeable staff will guide you through the process.

Personal Banking Solutions

We understand that managing your finances can be challenging, which is why we offer personal banking services tailored just for you. Our Checking & Savings Accounts provide flexible options to fit any lifestyle. Need extra funds for a special purchase or unexpected expense? Our Personal Loans & Debt Consolidation services can help simplify your financial journey. Plus, with our Credit Cards with Rewards, you can earn while you spend.

Digital & Online Banking

At Cape Regional, we understand that convenience and security are essential in today's fast-paced world. That's why we offer a range of digital and online banking services designed to make managing your finances easier than ever. With our 24/7 online banking services, you can access your accounts anytime, anywhere, ensuring that you stay in control of your finances. Explore our user-friendly online banking platform at https://caperegionalcu.com/ . Here, you can check your account balances, view transaction history, and transfer money with just a few clicks. If you're looking to send money quickly to friends or family, our person-to-person transfer feature is perfect for hassle-free transactions. While we currently do not offer electronic signature authorization or e-statements, we prioritize the safety of your personal information through robust security measures. You can rest easy knowing that your data is protected while you enjoy the convenience of online banking. For those on the go, even without a mobile application or mobile payments feature at this time, you can still manage your accounts easily from any web browser. Accessing your financial information has never been more straightforward! Whether you're paying bills, checking balances, or making transfers, our digital services help you keep track of your finances in real-time. At Cape Regional, we are committed to providing accessible and easy-to-use tools that fit into your busy lifestyle. Join us today and experience the freedom of modern banking!

Financial Strength

Capital Foundation

Our net worth ratio of $806 demonstrates a robust capital foundation. This ensures that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Your trust in us is backed by our financial stability.

Dedicated Team

We also take pride in having 7 full-time employees and 3 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. You can count on us for personalized service whenever you need it.

Focused on Members

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. We're here to make your banking experience as beneficial as possible.

Growing Member Base

Total Share and Deposit Accounts: 3,989, showing a strong and growing member base that trusts us with their finances. We're proud to be part of your financial journey. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Cape Regional is your trusted partner. Visit us at 2427 Cape Centre Dr Cape Girardeau Mo 63703 or call (573) 334-7686 to learn more about how we can help you achieve your financial goals.

Lending Capacity

With $612 in used auto loans and $13,450,782 in total loans and leases, our lending capacity supports members' financial goals across various sectors. Whether it's buying a car or investing in personal projects, we have you covered.

Member Savings

Members' savings are secured through $361,857 in share certificates and $283,238 in money market shares, offering stable and rewarding financial growth opportunities. We prioritize your needs above all else.

Operational Efficiency

Our $81,204 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. This means that every dollar you invest with us goes further.

Reinvestment for Growth

With $669,617 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Your financial success is at the heart of everything we do.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $9,228,110 in used vehicle loans and $2,301,438 in new vehicle loans already helping members get on the road. We also provide refinancing options if you want to lower your monthly payments or adjust your loan terms.

Conclusion

At Cape Regional, we believe in empowering our members through responsible lending practices. Our commitment is reflected in our wide array of loan products and personal service tailored just for you. For performance insights and financial data sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results. Ready to explore your financing options? Visit us online at Cape Regional or apply now through our account opening page. We look forward to helping you take the next step toward your financial future!

Credit Lines

For those looking for financial flexibility, we provide credit lines totaling $855,000. This option allows members to access funds as needed without taking out a traditional loan.

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, our team is ready to guide you through other mortgage solutions that fit your needs.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans. While there are currently no unsecured credit card loans issued at this time, our credit union is committed to helping members manage their finances effectively with various banking services.

Loan Aggregator

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CAPE REGIONAL CREDIT UNION - Cape Girardeau, MO

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