Cardinal Credit Union Mentor OH | Best Auto Loans & Checking Accounts

Introduction

Welcome to Cardinal Credit Union, Inc., your trusted financial partner located at 8500 Westport Dr, Mentor, OH 44060. Established with a commitment to serving our community, we are proud to support over 23,470 members in achieving their financial goals. Our total assets of $306,790,023 reflect our strength and stability in providing personalized banking solutions tailored to your needs. At Cardinal Credit Union, we understand that every member's journey is unique. Whether you're looking for competitive auto loans, mortgage options, or personal banking services, we have a variety of products designed just for you. With a robust portfolio boasting $23,489,614 in deposits and 11,981 loans and leases extended to our members, we prioritize your financial well-being. Our dedicated team of 82 employees, led by CEO Christine Blake and Board President Sandy Hamo, works tirelessly to ensure you receive the best service possible. We offer convenient access to banking through online and mobile platforms, as well as traditional services like drive-thru banking and ATMs for easy transactions. While members can visit us at our branch location mentioned above, official correspondence should be sent to the same address for streamlined communication. If you have questions or need assistance, don't hesitate to reach out by calling us at 440-266-2200 or sending a fax to 440-266-2299. Join us today and discover the difference that a community-focused credit union can make in your life! Visit our website at Cardinal Credit Union or stop by our branch we're here to help you thrive financially!

Branch History & Mission

Commitment to Service

At Cardinal Credit Union, we understand that convenience matters. That's why we offer drive-thru banking for quick transactions and ATM access for easy cash withdrawals. Our operating hours are designed with your schedule in mind Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 1 PM. As we look forward to the future, we invite you to become part of our family. Join us today and discover how Cardinal Credit Union can help you achieve your financial dreams while being an active participant in the vibrant Mentor community. For more information or assistance, feel free to reach out at (440) 266-2200 or visit us online at Cardinal Credit Union. Together, let's build a brighter tomorrow!

Our Journey

From humble beginnings, Cardinal Credit Union has evolved into a robust financial institution that not only provides essential banking services but also actively participates in community development. We are committed to enhancing the financial well-being of our members through a variety of services including personal banking, auto loans, mortgages, and business banking solutions. As we celebrate our journey, we remain focused on innovation and accessibility, ensuring that all members can benefit from modern banking conveniences.

Our Mission

Our mission is simple yet powerful: to empower our members by providing comprehensive financial services while fostering a strong sense of community. We believe in supporting not just individual financial goals but also local initiatives that uplift those around us. Whether it's through partnerships with local organizations or outreach programs aimed at improving financial literacy, we strive to make a positive impact every day. While you can visit us at our main branch address for all your banking needs, please note that official correspondence should be sent to the same address: 8500 Westport Dr, Mentor, OH 44060.

Branch Location & Accessibility

Call Us Today!

Whether you're looking to open a new checking account, explore loan options, or simply ask a question about your services, we invite you to stop by or give us a call at 440-266-2200. The team at Cardinal Credit Union is here to help you every step of the way! Come see why so many members trust us for their banking needs!

Convenient Access and Features

We understand how important accessibility is for our members. Our branch features ADA-compliant entrances and parking facilities, ensuring that everyone can comfortably reach us. If you're in a hurry, take advantage of our drive-thru service where you can quickly handle deposits and withdrawals without leaving your vehicle. For those who prefer digital convenience, we offer ATM access right on-site for easy cash withdrawals and balance checks any time you need them.

Operating Hours

Our doors are open to serve you with flexible operating hours designed to fit your busy schedule. Visit us Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 1 PM. We strive to ensure you have ample opportunities to manage your banking needs.

Member Eligibility

At Cardinal Credit Union, Inc., we believe that everyone deserves the chance to be part of a welcoming community focused on supporting your financial journey. To become a member, you simply need to meet some friendly eligibility criteria. If you live, work, or worship in Lake County, Ohio, or are related to someone who does, you're likely eligible to join our family. This opens up a world of benefits, from competitive loan rates to personalized service that makes banking feel more like home. For detailed information about membership requirements, you can check out our website at https://www.cardinalcu.com/ . Joining is as easy as giving us a call at (440) 266-2200 or visiting us at our branch located at 8500 Westport Dr Mentor Oh 44060. We're here to help guide you through the simple account opening process, which you can start online by visiting https://online.cardinalcu.com/registration . Don't hesitate to reach out becoming a member is just a step away!

Business Banking & Commercial Services

Loan Options for Growth

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.

Merchant Services

In addition to loans, we offer practical merchant services that can streamline your operations. Imagine processing payments quickly and easily while managing your cash flow more effectively. Our solutions are crafted to support your daily transactions, allowing you to focus on what truly matters growing your business. Visit us at 8500 Westport Dr Mentor Oh 44060 in Mentor, OH, or call us at (440) 266-2200 to learn more about how we can assist your business journey!

Comprehensive List Of Services

ATM & Drive-Thru Services

We know that accessibility is important. That's why we offer ATM & Cash Withdrawal Services, along with basic drive-thru banking for deposits and withdrawals. Need cash quickly? Our ATMs are available when you need them. At Cardinal Credit Union, Inc., we strive to be more than just a credit union; we aim to be a trusted partner in your financial journey. If you're ready to explore how our services can benefit you or if you have any questions, please don't hesitate to call us at (440) 266-2200 or visit us online at https://www.cardinalcu.com/. Let's take this journey together!

Auto Loans and Vehicle Financing

If you're looking to purchase a new vehicle, our Auto Loans & Vehicle Financing options can help you hit the road without breaking the bank. Picture yourself driving off in your dream car while enjoying competitive rates and flexible terms tailored just for you.

Business Banking Services

For entrepreneurs and business owners, we provide comprehensive Business Banking solutions including merchant services and business loans. We're committed to helping you grow your business and achieve your dreams with financial support designed specifically for small businesses.

Digital Convenience at Your Fingertips

In today's fast-paced world, convenience is key. Our Online & Mobile Banking features let you manage your accounts from anywhere, anytime. You can easily check balances, transfer funds, and pay bills all from the comfort of your smartphone or computer.

Home Financing Made Easy

For those ready to settle into their dream home, our Mortgage Loans & Refinancing services are here to guide you every step of the way. Whether you're buying your first home or refinancing an existing mortgage, we simplify the process so you can focus on what truly matters making memories in your new space.

Personal Banking Solutions

We understand that managing your finances can sometimes feel overwhelming. That's why we offer Personal Banking services that include checking and savings accounts designed to fit your lifestyle. Imagine having a checking account that helps you track your spending effortlessly, paired with a savings account that grows with your goals.

Personal Loans for Your Needs

Life can bring unexpected expenses, which is why we offer Personal Loans & Debt Consolidation options. Whether it's for home improvements or consolidating debt into one manageable payment, our loans provide financial relief when you need it most.

Rewarding Credit Card Options

Our Credit Cards with Rewards allow you to earn points on everyday purchases, making it easier to treat yourself down the line. Enjoy benefits like cashback or travel rewards simply by using your card for regular expenses.

Digital & Online Banking

Key Services for Your Convenience

Our online banking platform allows you to view your account balances, transfer money between accounts, and manage your e-statements with just a few clicks. Say goodbye to paper clutter our e-statements are available for those who prefer an eco-friendly option. This way, you can keep track of your finances without the hassle of physical statements. If you're looking to send money to friends or family quickly, our person-to-person transfer feature makes it simple. Just a few taps on your phone or clicks on your computer, and you'll have cash in their hands before they know it!

Mobile Banking Made Easy

For those on the go, our mobile application is here to help. With it, you can perform all the essential banking tasks right from your smartphone. Although we currently do not offer mobile payments, our app provides a user-friendly experience that keeps you connected to your finances whenever you need it.

Security You Can Trust

Your security is our top priority. While we do not support electronic signature authorization just yet, rest assured that all transactions made through our online and mobile platforms are protected by robust security measures. You can bank with confidence knowing that your personal information is safe with us. At Cardinal Credit Union, Inc., we're committed to making banking easier and more accessible for everyone. Whether you're checking your balance or transferring funds, our digital services are designed with you in mind! Explore everything we have to offer by visiting us at https://www.cardinalcu.com/ today!

Financial Strength

Commitment to Growth

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 is significant as we have $2,819 in used auto loans and a total of $227,109,340 in loans and leases to support members' financial goals across various sectors.

Member-Centric Approach

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.

Operational Efficiency

Our $211,779 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 70 full-time employees and 12 part-time employees who are always ready to serve you with a knowledgeable, committed team.

Our Financial Health

With a net worth of $35,806,933, we maintain robust 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.

Strong Community Trust

Total Share Accounts: 42,159, showing a strong and growing member base that trusts us with their finances. Our net shares (funds available for lending and investments) stand at $167,901, reinforcing our commitment to supporting your financial aspirations. 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 8500 Westport Dr Mentor Oh 44060 or call (440) 266-2200 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

Additional Services

In addition to these loan offerings, we also provide refinancing options for those looking to lower their monthly payments or consolidate debt into one manageable loan. Our eligibility options are designed to be straightforward; we're here to guide you through every step. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. When you're ready to explore our loan products further or have any questions about how they can work for you, visit us online at Cardinal Credit Union or stop by our branch today!

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. We provide flexible terms and competitive rates tailored to fit your budget.

Business Financing

For business owners, our outstanding commercial loans totaling $20,536,782 provide the capital needed to grow and expand. We understand the challenges businesses face and strive to offer financing solutions that support your growth journey.

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 offer various products that can help you secure a home loan that fits your financial situation.

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 are perfect for day-to-day purchases and come with rewards that can enhance your shopping experience.

Loan Aggregator

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CARDINAL CREDIT UNION, INC. CREDIT UNION