Cheney Credit Union Spokane WA | Low Mortgage Rates & Auto Loans

Introduction

Welcome to the Westbow Branch of Cheney Credit Union, where your financial journey is our top priority! Nestled in Spokane, WA at 10505 W Westbow Rd, we have proudly served our community since 1951. With a strong commitment to member satisfaction, we currently support over 6,429 members, ensuring that each individual receives personalized service tailored to their unique needs. At Cheney Credit Union, we understand that trust and reliability are essential in building long-term relationships. That's why we focus on providing transparent and competitive financial solutions. Our total assets of $138,904,146 reflect our strong foundation, while our total deposits stand at $5,297,814, showcasing the confidence our members place in us. You can count on us for diverse offerings including auto loans, mortgage loans, credit cards with rewards, and business banking solutions. With 17 dedicated employees, led by our CEO JoAn Sanders and Board President Janis Bliss, we are here to assist you every step of the way. While members can visit us at 10505 W Westbow Rd, official correspondence should be sent to our mailing address at 10505 W Westbow Rd, Spokane, WA 99224-7434. For your convenience, feel free to reach out via phone at 509-598-7151 or explore more about our services by visiting Cheney Credit Union. Join us as we continue to make a positive impact in Spokane and beyond. Whether you're looking for personal banking options or business solutions, we're ready to help you achieve your financial goals. Come visit us today!

Branch History & Mission

At Cheney, we take pride in our rich legacy of serving the community since our establishment in 1951. Located at 10505 W Westbow Rd, Spokane, WA 99224, our branch has grown from humble beginnings into a trusted financial partner for over 6,429 members. With total assets reaching an impressive $138,904,146, we have consistently demonstrated our commitment to providing exceptional financial services while uplifting our community. From the start, Cheney has aimed to empower individuals and families by offering a wide range of services tailored to meet their unique needs. Our mission is simple yet profound: to provide accessible financial solutions that foster growth and stability. We believe that everyone deserves the opportunity to achieve their financial goals, whether it's through personal banking options like checking and savings accounts or financing for automobiles and homes. Throughout the years, we have embraced innovation to enhance our services. Our digital banking options allow members to manage their finances conveniently online and through mobile applications. We also provide ATM access and drive-thru banking for added convenience ensuring that your banking experience is smooth and efficient. Community support lies at the heart of what we do. Over the years, Cheney has built strong partnerships with local organizations and engaged in various outreach efforts. These initiatives aim not only to promote financial literacy but also to contribute positively to the neighborhoods we serve. While members can visit us at 10505 W Westbow Rd, official correspondence should be sent to 10505 W Westbow Rd, Spokane, WA 99224-7434. We invite you to reach out via phone at 509-598-7151 during our operating hours: Monday through Friday from 9:00 a.m. to 5:00 p.m., with drive-up services available until 6:00 p.m. As we look ahead, our commitment remains unwavering. We are dedicated to continuing our legacy of service while adapting to the ever-changing needs of our members and community. Join us at Cheney today and discover how we can help you on your financial journey! Visit us online at cheneyfcu.com for more information about becoming a member or exploring our services.

Branch Location & Accessibility

Welcome to Cheney, your friendly neighborhood credit union! Located conveniently at 10505 W Westbow Rd in Spokane, WA, our Westbow Branch is here to serve you with all your banking needs. Whether you're stopping by for a quick transaction or seeking financial advice, our doors are open to help you on your journey. While visiting us at our branch address, you'll find we are easily accessible and well-situated near popular landmarks that make your trip even simpler. We're just a stone's throw from local shops and eateries, making it easy to stop in before or after running errands. We know how important accessibility is for our members. Our branch features ADA-compliant facilities and convenient parking options, ensuring that everyone can visit us with ease. Plus, if you prefer to conduct your banking from the comfort of your vehicle, take advantage of our drive-thru service, open Monday through Friday. You can visit the lobby from 9:00 a.m. to 5:00 p.m., while our drive-up hours extend from 8:00 a.m. to 6:00 p.m. For those who need quick cash or want to check their balance, we also offer ATM services right at our location. With all these options available, managing your finances has never been more convenient. If you have any questions or need assistance, feel free to give us a call at 509-598-7151. We're excited to help you achieve your financial goals and look forward to seeing you soon!

Member Eligibility

At Cheney, we believe that becoming a member is about joining a community that cares and supports each other. If you're looking to unlock the benefits of membership, it's easier than you might think! You can become a member if you live, work, or attend school in the Spokane area. This means whether you're a long-time resident or new to town, there's a place for you here. Membership also extends to your family members, making it an inclusive choice for everyone. Joining us opens the door to a range of financial services tailored just for you from checking and savings accounts to vehicle loans and credit cards with rewards. Plus, being part of Cheney means enjoying personalized service and support from our dedicated team. To get started, simply visit us at 10505 W Westbow Rd Spokane Wa 99224 or give us a call at (509) 598-7151 for more information. For detailed eligibility criteria and updates, feel free to check out our resource. We can't wait to welcome you into our family!

Business Banking & Commercial Services

Business Loan Options

Imagine having the financial backing to turn your business dreams into reality. Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In today's fast-paced market, having reliable payment options is crucial. Our merchant services empower businesses by simplifying transactions, allowing you to focus on what you do best growing your enterprise. With secure payment processing solutions tailored for your needs, you can enhance customer experiences and streamline operations. Visit us at 10505 W Westbow Rd Spokane Wa 99224 in Spokane, WA, or call us at (509) 598-7151 to learn more about how our business banking solutions can propel your success!

Comprehensive List Of Services

Business Banking Services

For our business members, we offer robust Business Banking solutions including merchant services and business loans. We understand the challenges small businesses face and are dedicated to providing flexible financing options that help drive success.

Convenient Digital Banking

In today's fast-paced world, having access to your finances anytime is essential. That's why we proudly offer Online & Mobile Banking features. With these tools, managing your accounts has never been easier check balances, transfer money, and pay bills all from the comfort of your home or on the go. Our ATM & Cash Withdrawal Services ensure that accessing cash is hassle-free whenever you need it. Plus, enjoy the convenience of basic drive-thru banking for deposits and withdrawals without leaving your car!

Credit Card Options

Don't forget about our Credit Cards with Rewards, which allow you to earn points on everyday purchases. This could mean cash back or travel rewards perfect for those who love to explore!

Get in Touch

At Cheney, we believe in putting our members first by offering comprehensive financial solutions tailored just for you. If you have questions or want more information about any of our services, please don't hesitate to call us at (509) 598-7151. We're here to help! Come visit us at 10505 W Westbow Rd Spokane Wa 99224 in Spokane, WA, and discover how we can support your financial journey today!

Personal Banking Solutions

We understand that managing your personal finances can sometimes feel overwhelming. That's why we offer Personal Banking services that include checking and savings accounts tailored to fit your lifestyle. Our competitive interest rates help your money grow over time, making it easier for you to achieve your financial goals. If you're thinking about buying a new car or refinancing your current vehicle, our Auto Loans & Vehicle Financing options can provide you with the funds you need at affordable rates. Imagine driving off in that dream car with a loan from us that fits comfortably within your budget! When it comes to home ownership, our Mortgage Loans & Refinancing services make the process smoother and more accessible. Whether you're buying your first home or looking to refinance, we guide you through every detail so you can focus on what matters most making memories in your new space. In addition, if you're facing unexpected expenses or considering consolidating debt, our Personal Loans & Debt Consolidation options are here to help alleviate some of that pressure. We aim to create a solution that works for you.

Digital & Online Banking

At Cheney, we understand that your time is precious, and managing your finances should be easy and secure. That's why we offer a range of digital and online banking services designed to give you control over your accounts anytime, anywhere. With our 24/7 online banking services, you can access your account whenever it suits you. Whether you're checking balances or paying bills, it's all just a few clicks away at https://cheneyfcu.com/. Plus, with the convenience of e-statements, you can keep track of your finances without the clutter of paper statements, making it easier to stay organized and eco-friendly. We also know that money transfers are often needed on the go. That's why we offer person-to-person transfers that let you send money to friends and family quickly and easily no need for cash or checks. Just a few taps on your mobile device, and you're done! For those who prefer mobile banking, our user-friendly mobile application is available for download, allowing you to manage your accounts right from your smartphone. While mobile payments aren't currently offered, our app still provides robust features for monitoring transactions and accessing essential services. Security is our top priority. While we don't use electronic signature authorization right now, rest assured that your information is protected through advanced security measures. You can bank with peace of mind knowing that we take every precaution to keep your data safe. At Cheney, we're committed to providing accessible and efficient banking solutions tailored to meet your needs. Explore all that our digital banking has to offer today!

Financial Strength

Commitment to Growth and Innovation

With $13,342,183 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Additionally, with $770 in used auto loans and $75,441,299 in total loans and leases, our lending capacity supports members' financial goals across various sectors. Our operational efficiency is reflected in our $238,168, enabling us to continue offering competitive loan rates and solid financial products for our members. We take pride in having 17 full-time employees and 0 part-time employees who are always ready to serve you with a knowledgeable, committed team.

Growing Together

Total Share Accounts: 13,900, show a strong and growing member base that trusts us with their finances. This growth illustrates not only our stability but also our commitment to building lasting relationships within the community. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Cheney is your trusted partner. Visit us at 10505 W Westbow Rd Spokane Wa 99224 or call (509) 598-7151 to learn more about how we can help you achieve your financial goals.

Our Solid Financial Foundation

With a net worth of $13,342,183, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 9.61% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Secure Savings Opportunities

Members' savings are secured through $29,438,181 in share certificates and $34,769,113 in money market shares, 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.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $13,820,080 in used vehicle loans and $10,058,095 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 auto loan options are tailored to suit your budget and needs.

Credit Lines and Unsecured Loans

For those looking for more flexibility in managing their finances, we offer credit lines totaling $6,600,000. This option allows you to access funds as needed without having to reapply each time. Additionally, our unsecured credit card loans amounting to $4,145,992 help members manage expenses effectively while enjoying flexible repayment terms. If you're ready to explore these loan options or have questions about eligibility or refinancing possibilities, don't hesitate to reach out. You can contact us at (509) 598-7151 or visit us at our branch located at 10505 W Westbow Rd Spokane Wa 99224. 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 Cheney, we're committed to supporting your financial journey with reliable products and exceptional service.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $1,701,314, make buying or refinancing simple. We provide various mortgage solutions that can fit different financial situations. If you're considering refinancing your current mortgage for better terms or lower payments, talk to us about eligibility options.

Loan Aggregator

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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 ensures that users receive fair and transparent offers. By collaborating with trusted financial institutions, LendMesh guarantees that the information presented is not only current but also accurate.

CHENEY FEDERAL CREDIT UNION - Spokane, WA

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