Cent Credit Union Le Mars IA | Affordable Auto Loans & Drive-Thru Banking

Introduction

Welcome to Cent Credit Union, your trusted financial partner since 1965, right here in the heart of Le Mars, IA. Located at 1411 Industrial Rd SW, we are proud to serve a vibrant community of over 11,268 members. With total assets amounting to an impressive $158,892,896, we stand ready to support your financial goals with a variety of services tailored just for you. At Cent Credit Union, we believe in the power of community and the importance of building lasting relationships. Our dedicated team of 31 employees is led by our CEO, Matthew Chizek, and Board President, William Basler. Together, they ensure that our members receive personalized service and expert guidance on everything from checking and savings accounts to auto loans and business banking solutions. While members can visit us at our branch location, official correspondence should be sent to 25 W State St, Mason City, IA 50401-3219. We understand that convenience matters. That's why we offer a range of online services including mobile banking and ATMs available for easy access to your funds anytime you need them. With total deposits reaching $25,448,842 and a strong net worth of $19,113,106, our commitment to secure and reliable financial solutions is unwavering. Whether you're looking to finance your next vehicle with one of our 4,354 loans, or explore options for personal loans and credit cards with rewards, we're here to help you every step of the way. Ready to take the next step? Feel free to give us a call at 712-546-7676 or visit our website at centcu.org for more information on how we can assist you. Join us today and experience the difference that a member-focused credit union can make!

Branch History & Mission

Community Focus

As a member-driven organization, Cent Credit Union actively engages with the Le Mars community through various outreach programs and partnerships. We believe that a strong community benefits everyone, which is why we participate in local events and support initiatives that enhance quality of life in our area. In addition to traditional banking services such as checking accounts and loans, we embrace digital advancements that allow for online banking and mobile payments. This ensures that all members can access their accounts securely from anywhere. We also comply with ADA standards so everyone can enjoy our services without barriers. We invite you to join Cent Credit Union today! Experience firsthand how we prioritize your financial wellbeing while contributing positively to the Le Mars community. Explore more about membership eligibility here, or take the next step by applying online here. Together, let's build a brighter financial future!

Our Mission

At Cent Credit Union, our mission goes beyond just offering financial products; it is about making a positive impact on the lives of our members and the community. We strive to provide personalized service and innovative solutions that cater to individual financial goals. Whether it's helping you secure an auto loan or guiding you through mortgage options, we aim to make your banking experience straightforward and friendly. We are proud of our commitment to accessibility; we offer ATM services and drive-thru banking for added convenience. Our operating hours are designed with your busy life in mind open Monday through Friday making it easier for you to manage your finances on your schedule.

Branch Location & Accessibility

Welcome to Cent Credit Union, your friendly financial partner located at 1411 Industrial Rd SW in the heart of Le Mars, Iowa. Our branch is easily accessible, making it convenient for you to stop by and handle your banking needs. Whether you're coming from nearby landmarks like the beautiful Plymouth County Fairgrounds or simply passing through, we're here to assist you. At Cent Credit Union, we prioritize your comfort and accessibility. Our branch features ADA-compliant entrances and ample parking spaces, ensuring that everyone can visit us without hassle. If you prefer banking on the go, we offer an ATM for quick cash withdrawals and balance checks, along with a drive-thru service for your convenience. You can complete deposits, withdrawals, and simple transactions without even leaving your vehicle! We understand that timing is important, which is why our operating hours are designed with you in mind. We are open throughout the week to accommodate your schedule. If you have any questions or need assistance, don't hesitate to give us a call at 712-546-7676. While members can visit us at our branch address, please note that official correspondence should be sent to our mailing address at 25 W State St, Mason City, IA 50401-3219. Come visit us today! Our friendly team is eager to help you with everything from personal banking solutions like checking and savings accounts to auto loans and mortgages. We look forward to serving you!

Member Eligibility

At Cent, we believe in creating a welcoming community where everyone can thrive. Joining us as a member is easier than you might think! If you live, work, or attend school in the areas we serve, you're likely eligible to become part of our family. We value inclusivity and aim to support your financial journey, whether it's through personal loans, savings accounts, or simply enjoying the benefits of being part of a credit union. For specific details about eligibility requirements, feel free to explore our website at https://www.centcu.org/become-a-member/ . Once you're ready to take the next step, opening an account is a breeze! Just visit us at https://www.centcu.org/apply/ to get started. If you have any questions or need assistance, don't hesitate to call us at (712) 546-7676. We're here to help you every step of the way as you join our community at Cent, located at 1411 Industrial Rd Sw Le Mars Ia 51031.

Business Banking & Commercial Services

Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $2 in commercial loans for our members, helping businesses scale and succeed. This means more local shops can thrive, more jobs can be created, and more dreams can become reality. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions that adapt to various industry needs. - With an outstanding commercial loan portfolio of $67,780, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, we offer essential merchant services tailored for your daily operations. Imagine processing payments quickly and securely at your storefront or online. Our merchant services help you streamline transactions so you can focus on what matters most growing your business. Located at 1411 Industrial Rd Sw Le Mars Ia 51031 in Le Mars, IA, we're here to partner with you every step of the way. Reach out to us at (712) 546-7676 to discover how we can help your business thrive!

Comprehensive List Of Services

Business Banking

For entrepreneurs, our Business Banking services provide vital support. From Merchant Services that simplify transactions to tailored Business Loans designed to fuel growth, we're dedicated to helping local businesses thrive.

Credit Cards and Rewards

Don't forget about our Credit Cards with Rewards, which let you earn points on everyday purchases. Imagine earning rewards just by using your card for groceries or gas!

Digital Banking Solutions

In today's fast-paced world, convenience is key. That's why we offer robust Online & Mobile Banking features. Whether you're checking balances, transferring funds, or making payments on the go, our digital solutions allow you to manage your finances anytime, anywhere. Plus, with features like ATM & Cash Withdrawal Services, accessing cash has never been simpler.

Drive-Thru and ATM Access

For those who prefer face-to-face interaction or need quick access, we have a convenient Drive-Thru Banking option for deposits, withdrawals, and simple transactions. Our basic ATM Access allows you to withdraw cash or check balances at your convenience. At Cent, we strive to create an environment where our members feel valued and supported in their financial decisions. With each service tailored to meet your needs, we invite you to explore all that we have to offer. Ready to take the next step? Give us a call at (712) 546-7676 or visit us online at Cent Credit Union for more information on how we can assist you today!

Loans and Financing

Thinking about buying a new car or refinancing your home? Our Auto Loans & Vehicle Financing make getting behind the wheel easier than ever. Picture driving off the lot with confidence knowing you secured a great rate! For those considering homeownership, our Mortgage Loans & Refinancing options offer competitive rates and personalized service, guiding you through every step of the process. If you find yourself needing extra cash for unexpected expenses, our Personal Loans & Debt Consolidation services can help lighten the load. We work closely with members to create plans that suit their financial situation.

Personal Banking

Whether you're opening your first checking account or looking for ways to save for the future, our Personal Banking options are designed with you in mind. Imagine having access to flexible Checking & Savings Accounts that fit your lifestyle, enabling you to easily manage your day-to-day expenses while building up savings for those special moments.

Digital & Online Banking

24/7 Support

Our commitment to you doesn't stop at regular hours. With 24/7 online banking services, you're never left in the dark. Need assistance late at night? Access your account any time and reach out whenever necessary. At Cent, we prioritize making banking accessible and straightforward for all our members. Join us today and experience the ease of digital banking!

Key Features

Our online banking platform, available at https://www.centcu.org/ , offers a range of user-friendly features that make managing your money effortless. You can check your balance, transfer funds, and even set up automatic payments all while enjoying the peace of mind that comes with top-notch security measures. Need to sign documents? Our electronic signature authorization allows you to complete transactions quickly without needing to visit a branch. Plus, if you prefer going paperless, e-statements are readily available for easy access and organization.

Mobile Accessibility

For those who love convenience, our mobile application brings banking right into your pocket. You can use it for mobile payments, person-to-person transfers, and more. Whether you're out shopping or catching up with friends, managing your money is just a tap away.

Financial Strength

Growing Membership Base

Total Share Accounts: 21,894, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $336,227 a testament to our robust financial practices. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Cent is your trusted partner. Visit us at 1411 Industrial Rd Sw Le Mars Ia 51031 or call (712) 546-7676 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

Members' savings are secured through $48,784,934 in share certificates and $8,710,867 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $251,313, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our $1,089,710 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 31 full-time employees and 0 part-time employees ready to assist you with knowledge and care.

Reinvestment for Growth

With $9,713,777 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our commitment to growth is reflected in our lending capacity; we currently have $1,785 in used auto loans and $118,166,412 in total loans and leases, supporting our members' financial goals across various sectors.

Solid Financial Foundations

With a net worth of $19,113,106, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,203 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 $24,788,239 in used vehicle loans and $11,132,723 in new vehicle loans already helping members get on the road. Our auto financing options make it easy to choose the vehicle that fits your lifestyle while keeping your budget in mind.

Credit Lines

For those needing more flexibility, our credit lines totaling $18,711,767 offer you the freedom to borrow what you need when you need it. This can be an excellent solution for unexpected expenses or planned projects. If you're considering refinancing any of these options, we can help determine eligibility and find the best rates available for your situation. For any inquiries or further assistance, don't hesitate to reach out at (712) 546-7676 or visit us at 1411 Industrial Rd Sw Le Mars Ia 51031 in Le Mars, IA. Your financial journey is important to us, and we're here to support you every step of the way. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $15,644,655, make buying or refinancing simple. We provide personalized service to guide you through each step of the mortgage process.

Unsecured Credit Card Loans

Managing finances can be challenging, but we're here to help. We also offer flexible terms on unsecured credit card loans, with a total of $2,308 in loans assisting members in managing their expenses effectively. This option provides a convenient way to handle purchases while potentially earning rewards.

Loan Aggregator

Benefits of Using LendMesh

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CENT CREDIT UNION - Le Mars, IA