Carbondale Highway Credit Union IL | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Carbondale Highway, a trusted name in personal and business banking located at 2801 W Murphysboro Rd, Carbondale, IL 62901. Established in 1951, we have been proudly serving our community for over seven decades, helping our members achieve their financial goals with care and dedication. With a robust membership base of 700 and total assets reaching an impressive $5,658,546, we stand strong as a pillar of support for our valued members. Under the leadership of our CEO, Melissa Naas, and Board President, Aaron Hayes, we are committed to providing personalized service that goes beyond just transactions. Our dedicated team of two employees is here to assist you with various services including checking and savings accounts, auto loans, mortgages, personal loans, and more. We believe in building lasting relationships and fostering a sense of community among our members. At Carbondale Highway, your financial well-being is our priority. We understand the importance of having secure financial options, which is why we proudly manage total deposits of $2,055,854 and maintain a healthy net worth of $863,605. Our financial stability allows us to offer competitive rates on loans currently totaling 273 across various categories and to provide innovative solutions tailored just for you. While you can visit us at our branch address for all your banking needs, please note that official correspondence should be sent to our mailing address: PO Box 713, Carbondale, IL 62903. If you have any questions or need assistance, don't hesitate to reach out by calling us at (618) 549-6624 during our lobby hours from Monday to Friday between 9:00 AM and 2:00 PM. Join us today at Carbondale Highway and experience banking that's built on trust and community spirit. We look forward to welcoming you!

Branch History & Mission

Our Mission

The mission of Carbondale Highway is clear: to empower our members through accessible financial services while fostering a supportive community spirit. We believe in the power of collaboration and are committed to making a positive impact in Carbondale. Our initiatives extend beyond banking; we actively engage in community outreach programs that promote financial literacy and support local events. While members can visit us at 2801 W Murphysboro Rd Carbondale Il 62901, official correspondence should be sent to PO Box 713, Carbondale, IL 62903. We are dedicated to providing excellent service during our operating hours from Monday to Friday, 9:00 AM to 2:00 PM. Although we currently do not offer ATM services or drive-thru banking, our team is always ready to assist you inside the branch. In addition to traditional banking services, we are continuously working on enhancing your experience with customer-centric initiatives. While digital banking is an area we're still developing, we remain focused on ensuring that every member feels valued and supported. We invite you to join us at Carbondale Highway and become part of a credit union that prioritizes your financial well-being. Experience firsthand how we blend personal service with community engagement. Together, let's build a brighter future for ourselves and for Carbondale!

Branch Location & Accessibility

Welcome to Carbondale Highway, your friendly neighborhood credit union located at 2801 W Murphysboro Rd in Carbondale, Illinois. We're here to make your banking experience as convenient as possible. Nestled in the heart of Jackson County, our branch is easily accessible for all members and visitors. Whether you're coming from downtown or nearby areas, you'll find us just a short drive away from local landmarks like the Carbondale Community High School. While members can visit us at our branch address, official correspondence should be sent to PO Box 713, Carbondale, IL 62903. We've designed our location with accessibility in mind, ensuring that everyone can get in without any hassle. There are parking spaces available right outside our doors, along with ADA-compliant ramps for those who may need them. We understand that your time is valuable, which is why we've made it easy for you to plan your visit. Our lobby hours are Monday through Friday from 9:00 AM to 2:00 PM, allowing you to stop by during your day-to-day activities. If you have any questions or need assistance, don't hesitate to give us a call at 618-549-6624. Though we currently do not have ATM services or drive-thru banking available at this location, we offer a variety of personal banking services including checking and savings accounts, auto loans, mortgage loans, and much more. Our dedicated team is here to help you navigate through all your financial needs. We invite you to come visit us at Carbondale Highway today! Let's work together to achieve your financial goals.

Member Eligibility

At Carbondale Highway, we believe that becoming a member is not just about opening an account; it's about joining a community that supports you. To be eligible for membership, we welcome individuals who live, work, or attend school in the Carbondale area. If you have family members who are already part of our credit union, you can join too! This inclusive approach ensures that more people can access our range of financial services designed to help you thrive. Opening your account is straightforward and friendly; just visit us at 2801 W Murphysboro Rd Carbondale Il 62901 or give us a call at (618) 549-6624 for more information. For detailed eligibility criteria and to see if you qualify, check out our resource here: . We're excited to help you become a valued member of Carbondale Highway!

Business Banking & Commercial Services

Real-World Merchant Services

In addition to loans, we offer merchant services that help streamline your transactions. Imagine running a busy café where quick payment processing can make all the difference during rush hours. Our merchant services can enhance customer satisfaction by making payments easy and efficient. This means you can focus more on serving your customers and less on managing cash flow. If you're ready to take your business to the next level, stop by our branch at 2801 W Murphysboro Rd Carbondale Il 62901 in Carbondale, IL, or give us a call at (618) 549-6624. Let's work together to turn your business vision into reality!

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 member or non-member commercial loans on the books, we are dedicated to providing flexible financing solutions when opportunities arise. We aim to foster local entrepreneurship by empowering businesses with the funding they need.

Comprehensive List Of Services

Auto Loans and Vehicle Financing

If you're in the market for a new car or need financing for a used vehicle, our auto loans make it easier than ever. Picture yourself driving off in your new car with affordable monthly payments that fit your budget. Our team is here to guide you through the process, ensuring you get the best rates available.

Business Banking Solutions

For our business members, we provide essential banking services including merchant services and business loans. Whether you're starting a new venture or looking to expand an existing one, we understand the unique challenges businesses face and are here to support your goals.

Convenient Digital Banking Options

In today's fast-paced world, convenience is key. Our online and mobile banking services allow you to manage your accounts anytime, anywhere. From checking balances and transferring funds to paying bills, everything is just a few clicks away. You can also take advantage of our ATM services for quick cash withdrawals without any hassle. At Carbondale Highway, we are dedicated to making banking easy and accessible for all our members. If you're ready to explore these services further or have questions about how we can assist you financially, don't hesitate to reach out! Call us at (618) 549-6624 during our operating hours from Monday to Friday between 9:00 AM and 2:00 PM. We look forward to serving you!

Credit Cards with Rewards

With our credit cards featuring rewards, every purchase can bring you closer to exciting benefits like cashback, travel points, or discounts at your favorite retailers. It's not just about spending; it's about rewarding yourself while managing your finances wisely.

Mortgage Loans and Refinancing

Buying a home is one of the biggest decisions you'll ever make. That's why we offer competitive mortgage loans and refinancing options to help you secure the home of your dreams. Whether you're a first-time homebuyer or looking to refinance an existing mortgage, we'll help you navigate the options available to find what works best for you.

Personal Banking

Our personal banking services are designed to simplify your financial life. With various checking and savings accounts, you can choose the account that fits your lifestyle. Imagine being able to manage your money easily while earning interest on your savings. We also offer personal loans for those unexpected expenses or when you need a little extra cash for a big purchase, like a home renovation or a dream vacation.

Digital & Online Banking

Easy Access to Your Accounts

With our online banking platform, you can manage your finances 24/7. Whether you're checking your account balance, transferring funds, or paying bills, our user-friendly interface makes it simple. You can explore all of our online services at .

Manage Your Money with Confidence

Our goal at Carbondale Highway is to empower you with tools that make banking less stressful. With real-time account management and straightforward navigation, keeping track of your finances has never been easier. We may not have some of the advanced features yet, but we are committed to providing you with reliable service every step of the way. Join us at Carbondale Highway for a personalized banking experience that meets your needs today! If you have any questions or need assistance, don't hesitate to reach out at (618) 549-6624.

Safe and Secure Transactions

Your security is our top priority. Although we currently do not offer electronic signature authorization or e-statements, we ensure that all your transactions are protected through secure channels. While features like mobile payments and person-to-person transfers aren't available yet, rest assured that we are continuously working to enhance your banking experience.

Stay Connected on the Go

While we don't have a mobile application at this time, our website is optimized for use on mobile devices. You can still access essential banking features right from your smartphone or tablet. No matter where life takes you, stay connected to your accounts with ease.

Financial Strength

At Carbondale Highway, 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 want to assure you that your financial well-being is in good hands. With a net worth of $863,605, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,526 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 $20,370 in share certificates, 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 $621,252 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our commitment to lending is evident with $100 in used auto loans and $2,662,628 in total loans and leases; this capacity supports members' financial goals across various sectors. Our $44,027 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 2 full-time employees and 0 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Total Share and Deposit Accounts: 856, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Carbondale Highway is your trusted partner. Visit us at 2801 W Murphysboro Rd Carbondale Il 62901 or call (618) 549-6624 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 $1,563,277 in used vehicle loans and $397,762 in new vehicle loans already helping members get on the road. We provide flexible terms to suit your budget and lifestyle, ensuring you can drive away with confidence.

Contact Us

Have questions about our loan offerings? Feel free to reach out! You can contact us at (618) 549-6624 or visit us at 2801 W Murphysboro Rd Carbondale Il 62901 in Carbondale, IL. We're here Monday through Friday from 9:00 AM to 2:00 PM to assist you. 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 Carbondale Highway, we are committed to providing personalized service and quality products that meet your unique needs.

Credit Lines and Credit Cards

Managing everyday expenses is essential, and we offer credit lines with a total of $73,000 available to our members. Additionally, our unsecured credit card loans amounting to $86,268 provide the flexibility you need for any purchase without collateral.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We currently offer Junior Lien 1-4 Family Residential Properties loans totaling $0. This option is perfect for those ready to invest in their future through real estate.

Refinancing Options

If you're considering refinancing any of your existing loans, our team is ready to discuss eligibility options that could benefit you financially. This can lead to lower monthly payments and reduced interest rates.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Get up-to-date loan rates from multiple institutions at your fingertips, helping you make informed decisions quickly. Thousands of users trust LendMesh for their loan comparisons. One satisfied member shared, "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This kind of feedback highlights the reliability and effectiveness of the platform. If you're looking to compare real-time loan offers, visit LendMesh today 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.

Ensuring Accurate Comparisons

Loan data on LendMesh is sourced 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 rigorous sourcing ensures that all loan offers are fair and transparent, allowing users to trust the information they receive.

Carbondale Highway