Cardinal Credit Union Mentor OH | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Cardinal Credit Union, Inc., your trusted financial partner located at 8870 Mentor Ave, Mentor, OH 44060. With a commitment to serving our community since our inception, we have grown to support over 23,470 members and manage total assets of $306,790,023. Our dedicated team of 82 employees, led by CEO Christine Blake and Board President Sandy Hamo, strives to provide top-notch financial services that truly meet your needs. At Cardinal Credit Union, we understand the importance of financial stability and growth in our members' lives. That's why we offer a variety of services including personal banking options like checking and savings accounts, auto loans, mortgage refinancing, credit cards with rewards, and business banking solutions. With total loans amounting to 11,981, and deposits totaling $23,489,614, we are well-equipped to help you achieve your financial goals. While members can visit us at our branch on Mentor Ave for all their banking needs, official correspondence should be sent to our mailing address at 8500 Westport Dr, Mentor, OH 44060. Whether you're looking to open a new account or need assistance with existing services, we invite you to explore what Cardinal Credit Union has to offer. With our solid financial foundation evidenced by a net worth of $35,806,933 and cash in hand totaling $3,687,377 we are committed not just to serving you but also to enhancing the local community. We encourage you to reach out to us at 440-266-2200 or visit our website at www.cardinalcu.com for more information on how we can assist you today. Join us in building a brighter financial future together!

Branch History & Mission

A Legacy of Trust

Founded with the vision of making financial services accessible and beneficial for everyone, Cardinal Credit Union has become a cornerstone in Mentor since it opened its doors. Our commitment to member satisfaction has allowed us to thrive and adapt over the years. Whether through personal banking solutions like checking and savings accounts or robust lending options such as auto loans and mortgages, we've worked hard to earn the trust of our members.

Community Engagement

Beyond just numbers and services, Cardinal Credit Union is deeply committed to giving back to Mentor and the surrounding areas. Our outreach programs focus on education and support for families, ensuring that everyone has access to the resources they need to thrive. We partner with local organizations and initiatives that align with our values, creating a positive impact that extends beyond our walls.

Modern Services

In today's fast-paced world, we understand the importance of convenience. That's why we offer features like online banking and mobile applications for easy account management. With an ATM available on-site and drive-thru banking options, accessing your funds is straightforward and hassle-free. We also ensure that our facilities are ADA compliant so everyone can bank comfortably. As you consider joining us at Cardinal Credit Union, remember that we're more than just a financial institution; we're your neighbors invested in your success. Whether you're looking for personal banking solutions or seeking ways to grow your business, we're here for you every step of the way. If you're ready to experience the benefits of being a member at Cardinal Credit Union, visit us at 8870 Mentor Ave or contact us at 440-266-2200 today! Let us help you achieve your financial goals while becoming part of a community-focused family where your interests come first.

Our Mission

Our mission is simple yet impactful: We are here to provide comprehensive financial services while fostering a supportive community environment. We believe that strong relationships with our members create opportunities for better financial health. Every service we offer be it online banking, credit cards with rewards, or business loans is designed with you in mind. We prioritize your needs and strive to empower you on your financial journey.

Branch Location & Accessibility

Accessibility and Parking

At Cardinal Credit Union, we prioritize your convenience and comfort. Our location offers ample parking for all visitors, and we're proud to be ADA compliant with features such as ramps and accessible entrances. You can easily navigate our space whether you're using a wheelchair or bringing along family members with mobility challenges.

Get in Touch

Have questions? Don't hesitate to reach out! Call us at 440-266-2200 or come visit us today at Cardinal Credit Union on Mentor Ave. We look forward to welcoming you into our community bank where your financial goals are our top priority!

Operating Hours

We're here for you during flexible operating hours: Monday through Tuesday and Thursday from 9 AM to 5 PM; Friday from 9 AM to 6 PM; and Saturday from 9 AM to 1 PM. Feel free to stop by during these times for assistance with personal banking services like checking and savings accounts, auto loans, mortgage loans, and more.

Services Available

In addition to our friendly staff ready to assist you, we offer a variety of services designed to meet your financial needs. Need quick cash? Our ATM is available for withdrawals and balance checks. Prefer face-to-face transactions? Take advantage of our drive-thru banking for deposits, withdrawals, and simple transactions without leaving your car.

Member Eligibility

Joining the family at Cardinal Credit Union, Inc. is more than just opening an account; it's about becoming part of a supportive community dedicated to your financial well-being. If you're wondering whether you can become a member, the good news is that eligibility is quite broad! Generally, anyone who lives, works, worships, or attends school in our community is welcome to apply. Our aim is to create an inclusive environment where everyone can benefit from our range of services. To find out more about specific eligibility criteria, feel free to visit this link: . Getting started with your membership at Cardinal Credit Union, Inc. is easy! Simply head over to our account opening page at https://online.cardinalcu.com/registration , and you'll find all the information you need to set up your new account. If you have any questions or need assistance, don't hesitate to reach out to us at (440) 266-2200. We're here to help you every step of the way as you embark on this exciting journey with us!

Business Banking & Commercial Services

Merchant Services That Matter

In addition to loans, our merchant services simplify payment processing for businesses of all sizes. Imagine being able to accept payments seamlessly, whether it's online or in-store, giving you more time to focus on what you do best running your business. With our services at your fingertips, you can enhance customer satisfaction while boosting sales. Visit us at 8870 Mentor Ave Mentor Oh 44060 in Mentor, OH, or call us at (440) 266-2200 to learn how we can help your business thrive!

Our Commitment to Businesses

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

Additional Services

At Cardinal Credit Union, Inc., we also offer basic drive-thru banking for simple transactions like deposits and withdrawals perfect for those days when you're in a hurry. With easy access to ATMs and helpful staff ready to assist you by phone at 440-266-2200 during our operating hours (Monday through Friday), we're committed to making your banking experience as smooth as possible. We invite you to explore how Cardinal Credit Union can support your financial journey today! Visit us at Cardinal Credit Union or call us for more information about any of our services. Let's work together towards achieving your financial goals!

Business Banking Services

For our business members, we offer specialized business banking services, including merchant services and business loans. We know that running a business comes with its own set of challenges, and our dedicated team is ready to assist you in finding the right solutions for your financial needs.

Convenient Digital Banking

In today's fast-paced world, convenience is key. That's why we provide robust online and mobile banking features that allow you to manage your accounts anytime, anywhere. Check balances, transfer funds, or pay bills from the comfort of your home or while on the go with just a few taps on your smartphone. Our ATMs are available for quick cash withdrawals and balance checks whenever you need them.

Credit Cards & Rewards

Our credit cards with rewards give you the flexibility to earn points on everyday purchases while enjoying the security of managing your spending effectively. Whether you're planning a family vacation or just want to treat yourself, our rewards program makes it all possible.

Personal Banking Solutions

We understand that managing personal finances can be overwhelming. That's why we offer various checking and savings accounts designed to help you reach your financial goals. Our auto loans and vehicle financing options make purchasing a car easier than ever, with competitive rates that fit your budget. If you're considering buying a home or refinancing an existing mortgage, our mortgage loans and refinancing services provide the support you need to navigate this significant investment. For those unexpected expenses or larger purchases, our personal loans and debt consolidation options can help you get back on track without breaking the bank.

Digital & Online Banking

Key Features

Our online banking service lets you check your account balance, pay bills, and transfer money with just a few clicks. Need to send money to a friend? Our person-to-person transfer feature makes it easy to split costs or send gifts without the hassle of cash or checks. Plus, if you prefer to go paperless, you can opt for e-statements, which are not only eco-friendly but also help you keep track of your finances effortlessly. For those who are always on the go, our mobile application offers a user-friendly interface that puts banking right in your pocket. Whether you're depositing checks or checking your balance, everything is just a tap away. While we currently don't support mobile payments, the app ensures that all your banking needs are met efficiently.

Security You Can Trust

We prioritize your security with advanced measures to protect your information. While we do not offer electronic signature authorization at this time, rest assured that our systems are designed with top-notch security features to keep your data safe while you bank online. With our commitment to accessibility and ease-of-use, managing your finances has never been easier. Join us today at Cardinal Credit Union, Inc. and discover how our digital banking solutions can simplify your financial life!

Financial Strength

Community Trust

Total Share Accounts stand at 42,159, showing a strong and growing member base that trusts us with their finances. Our net shares (funds available for lending and investments) amount to $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 8870 Mentor Ave Mentor Oh 44060 or call (440) 266-2200 to learn more about how we can help you achieve your financial goals.

Member Savings and Investments

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 ability to maintain operations efficiently is reflected in our $211,779, 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, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Our 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.

Reinvestment for Better 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.

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 interested in financing a brand-new model or a reliable used car, our competitive rates and terms can make it easier for you to drive away with confidence.

Business Financing

For business owners, our outstanding commercial loans totaling $20,536,782 provide the capital needed to grow and expand. We understand the unique challenges businesses face and are committed to offering solutions that can help you thrive. At Cardinal Credit Union, Inc., we aim to empower our members with accessible financial products. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results. For more information or to discuss how we can assist you further, feel free to reach out at 440-266-2200. Your journey toward better financial health starts here!

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 provide a range of mortgage solutions designed to fit your financial situation and goals. If you're considering refinancing your current mortgage, we can help you explore options that might lower your monthly payments or shorten your loan term.

Unsecured Credit Cards

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. Our credit cards come with rewards and features that make everyday spending more manageable while allowing you to earn as you spend.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring Accurate Loan 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 ensures that users receive fair and transparent offers. By using verified data from legitimate financial institutions, LendMesh fosters trust among its users.

CARDINAL CREDIT UNION, INC. CREDIT UNION