Cardinal Credit Union Cleveland OH | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Cardinal Credit Union, Inc., your trusted partner in financial services located at 1220 Som Center Rd Unit A, Cleveland, OH 44124. With a commitment to our community and a focus on member satisfaction, we've been serving our members since our establishment in 2019. Today, we proudly support over 23,470 members with personalized banking solutions tailored to meet their needs. At Cardinal Credit Union, we understand that financial stability is essential for achieving your goals. That's why we manage a robust portfolio of assets totaling $306,790,023, alongside total deposits of $23,489,614 and loans amounting to 11,981. Our solid financial foundation enables us to offer competitive rates on products like auto loans, mortgages, and credit cards all while ensuring that you receive the personal attention you deserve. Under the leadership of our dedicated CEO Christine Blake and Board President Sandy Hamo, we strive to create a welcoming environment where every member feels valued. We are proud of our team of 82 employees, all working together to provide the best possible service. While members can visit us at our branch location for face-to-face interactions or to utilize our drive-thru services, official correspondence should be sent to our mailing address: 8500 Westport Dr, Mentor, OH 44060. We invite you to explore what Cardinal Credit Union has to offer by visiting our website at cardinalcu.com or giving us a call at 440-266-2200. Join us today and experience banking that prioritizes your needs because at Cardinal Credit Union, you're not just a number; you're family!

Branch History & Mission

Join Us

As we look toward the future, we invite you to be part of our ongoing story. Whether you're seeking help with your first home loan or looking for smart savings options for your family's future, Cardinal Credit Union is here for you every step of the way. Come visit us during our operating hours Monday through Tuesday and Thursday from 9:00 AM to 5:00 PM; Friday from 9:00 AM to 6:00 PM; or Saturday from 9:00 AM to 1:00 PM and discover how we can serve you better. Call us today at 440-266-2200 or explore more about our services on our website at cardinalcu.com. Together, let's build a brighter financial future!

Our Mission

At Cardinal Credit Union, our mission is clear: we aim to empower our members through exceptional financial services while fostering a strong sense of community support. We believe that when our members thrive financially, so does our community. This mission drives us to not only offer competitive rates and products but also engage actively in local outreach efforts. We are dedicated to ensuring accessibility for all members by complying with ADA standards and offering user-friendly online banking options. We understand that every member's needs are unique; therefore, we strive to provide tailored solutions that truly make a difference in their lives. While you can visit us at 1220 Som Center Rd Unit A, official correspondence should be sent to 8500 Westport Dr, Mentor, OH 44060, if needed.

Our Story

The journey of Cardinal Credit Union began with a simple yet powerful vision: to provide accessible and reliable financial services for everyone in our community. Over the years, we have evolved significantly. From our humble beginnings, we have embraced technology and innovation while remaining committed to personalized service. Our team has worked tirelessly to ensure that every member feels valued and supported in achieving their financial goals. Our branch is equipped with modern conveniences like ATM availability and a drive-thru banking option, making it easy for members to access their accounts and conduct transactions conveniently. We also provide essential services such as checking and savings accounts, auto loans, mortgages, personal loans, credit cards with rewards, and business banking solutions.

Branch Location & Accessibility

Connect With Us

We invite you to come by and experience the welcoming atmosphere at Cardinal Credit Union, Inc. If you have any questions or need assistance before your visit, feel free to give us a call at 440-266-2200. We look forward to serving you soon!

Nearby Landmarks and Accessibility

Nestled in the heart of Cuyahoga County, our branch is easily accessible from major roads and close to local landmarks, making it a convenient stop for anyone in the area. With ample parking available, you can pull right up to our entrance. Plus, our facilities are designed with accessibility in mind, featuring ADA-compliant ramps and entrances to ensure everyone can visit us comfortably.

Operating Hours

We understand that life can be busy, which is why we offer flexible hours to suit your schedule. You can visit us Monday through Tuesday and Thursday from 9:00 AM to 5:00 PM, and on Fridays until 6:00 PM. For those who prefer drive-thru services, we're open on Saturdays from 9:00 AM to 1:00 PM perfect for weekend banking!

Services Offered

At Cardinal Credit Union, Inc., we pride ourselves on offering a variety of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we have something for everyone. Need cash? Our ATM is readily available for withdrawals and balance checks. If you prefer not to enter the branch, our drive-thru allows you to complete simple transactions quickly. While members can visit us at our Cleveland location, official correspondence should be directed to our mailing address at 8500 Westport Dr, Mentor, OH 44060.

Member Eligibility

At Cardinal Credit Union, Inc., we believe that becoming a member is like joining a family where everyone supports each other. If you're looking to be part of our welcoming community, you'll find that eligibility is straightforward and inclusive. To join us, you generally need to reside or work in the local area or be affiliated with one of our partner organizations. We aim to open our doors to as many people as possible because we understand the value of community and connection. For the most up-to-date details on eligibility, we encourage you to check out our website at . Once you're ready to take the next step toward membership, opening an account with us is a breeze! Just visit our account opening page at https://online.cardinalcu.com/registration where you'll find everything you need to get started. If you have any questions or need assistance along the way, don't hesitate to give us a call at (440) 266-2200. We can't wait for you to experience all the benefits of being part of Cardinal Credit Union, Inc., including personalized service and a range of financial products designed just for you!

Business Banking & Commercial Services

Merchant Services That Matter

In addition to loans, we offer merchant services that can make day-to-day operations smoother. Imagine being able to process payments quickly and easily, allowing you to focus on what truly matters growing your business. Our services include everything from payment processing to cash management, tailored to fit your specific requirements. Visit us at 1220 Som Center Rd Unit A Cleveland Oh 44124 in Cleveland, OH or give us a call at (440) 266-2200 to learn more about how we can support your business journey!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $64 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $187 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $20,536,782, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need cash? Our ATMs are readily available for quick withdrawals and balance checks whenever you need them. Plus, our drive-thru service makes it easy to handle deposits and simple transactions without leaving your car. At Cardinal Credit Union, we're dedicated to making banking straightforward and accessible for everyone in Cleveland, OH. If you're ready to take control of your finances or have any questions about our services, don't hesitate to reach out at 440-266-2200 or visit us online at Cardinal Credit Union. Your financial journey starts here!

Auto Loans & Vehicle Financing

If you're dreaming of that new car or need reliable transportation, our auto loans offer flexible financing options tailored to your budget. We understand that purchasing a vehicle can be overwhelming, so we guide you through the process, ensuring you get the best deal possible.

Business Banking

For our business members, we offer comprehensive services including merchant services and business loans. Whether you're starting a new venture or expanding an existing one, we have the tools and support you need to succeed.

Credit Cards with Rewards

Our credit cards not only help you manage purchases but also reward you for using them. Enjoy perks like cashback or travel points that add value to every transaction making everyday spending more rewarding.

Digital Banking Features

In today's fast-paced world, convenience is key. At Cardinal Credit Union, we provide robust online and mobile banking platforms that allow you to manage accounts from anywhere pay bills, transfer funds, or check balances at your fingertips.

Mortgage Loans & Refinancing

Thinking about buying a home or refinancing your current mortgage? Our mortgage loans are structured to make homeownership accessible. We'll help you navigate through various options and find the right fit for your financial situation, allowing you to focus on creating memories in your new space.

Personal Banking

Whether you're looking to open a checking or savings account, our personal banking options are designed to fit your lifestyle. Imagine having a place for your daily expenses while also watching your savings grow. With competitive rates and user-friendly online banking features, managing your finances has never been easier.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way. Our personal loans can provide the support you need during those times. If you're feeling weighed down by multiple debts, consider our debt consolidation options to simplify payments and potentially lower interest rates.

Digital & Online Banking

Key Services Available

You can explore our online banking platform at https://www.cardinalcu.com/ . Here, you'll find user-friendly features that help you stay on top of your accounts effortlessly. Whether you want to check your balance or transfer money, our 24/7 online banking services make it simple. Need to send money to a friend? Our person-to-person transfers allow you to do this quickly and safely without the hassle of cash or checks. Plus, if you're on the go, our mobile application puts all these services right at your fingertips. You can access your account from your smartphone and enjoy real-time account management wherever you are.

Secure and Accessible Features

Your security is our priority. While we currently don't support electronic signature authorization, we ensure that all transactions are protected with robust security measures. E-statements are available for members who prefer going paperless, making it easy to track your finances while helping the environment. Although mobile payments aren't available at this time, our app provides all the essential tools you need for efficient banking. From checking balances to transferring funds, everything is designed with ease of use in mind. In a fast-paced world, having accessible banking options is crucial. With Cardinal Credit Union, Inc., managing your money has never been easier or more secure. Join us today and experience the benefits of digital banking tailored for you!

Financial Strength

Growing Member Base

Total Share and Deposit Accounts: 42,159, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $167,901. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Cardinal Credit Union is your trusted partner. Visit us at 1220 Som Center Rd Unit A Cleveland Oh 44124 or call (440) 266-2200 to learn more about how we can help you achieve your financial goals.

Investments in Member Services

With $29,127,271 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports your financial goals across various sectors with $2,819 in used auto loans and $227,109,340 in total loans and leases.

Operational Efficiency

Our commitment to efficiency is reflected in our $211,779, which enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 70 full-time employees and 12 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Secure Savings Options

Members' savings are secured through $74,586,292 in share certificates and $37,050,820 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $1,810,561, 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 $35,806,933, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,167 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 $39,451,210 in used vehicle loans and $21,753,389 in new vehicle loans already helping members get on the road. Whether you're purchasing a brand-new model or a reliable used car, we have flexible financing options that make it easy for you.

Business Loans

For business owners, our outstanding commercial loans totaling $20,536,782 provide the capital needed to grow and expand. Whether you're starting a new venture or looking to invest in your existing business, our team is here to guide you through the application process. At Cardinal Credit Union, Inc., we prioritize transparency and member satisfaction. If you're considering refinancing options or want to know more about eligibility criteria for any of our loan products, don't hesitate to reach out. You can contact us at 440-266-2200 for more information or visit us online at Cardinal Credit Union. 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 dedicated to helping you navigate your financial journey every step of the way!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $15,104,286, make buying or refinancing simple. We aim to provide straightforward processes and competitive rates to make your home-buying journey as smooth as possible.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $8,496,165 in loans helping members manage their finances effectively. These cards can be a great way to handle unexpected expenses or everyday purchases without the need for collateral.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. With a commitment to transparency and reliability, LendMesh ensures that you have access to accurate information when making financial decisions. 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 guarantees that all offers presented are fair and transparent, allowing users to trust the information they receive. One of the standout features of LendMesh is its focus on verified data. Loan offers are sourced from legitimate financial institutions, ensuring transparency in every comparison. Additionally, LendMesh does not prioritize lenders based on paid promotions there are no sponsored listings. This means that you get unbiased results tailored to your needs. With real-time rate comparisons, users can view up-to-date loan rates from multiple institutions. This feature helps individuals make informed decisions about their borrowing options. 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!" To explore your options and find the best rates available, compare real-time loan offers today at LendMesh. 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.

CARDINAL CREDIT UNION, INC. CREDIT UNION - Cleveland, OH