Cherokee Strip CU Ponca City OK | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Cherokee Strip, your trusted partner in financial well-being since 1933. Located at 1508 E Prospect Ave, Ponca City, OK 74604, our branch is dedicated to serving the needs of our community with a commitment to personalized service and reliable financial solutions. With over 9,000 members and a total asset base of $105,008,272, we pride ourselves on being a cornerstone of support for individuals and families alike. At Cherokee Strip, we understand that banking is about more than just numbers. It's about building relationships and making a positive impact in the lives of our members. Whether you're looking for personal banking options like checking accounts, auto loans, or credit cards with rewards, or business services such as merchant services and business loans, we've got you covered. Our total deposits stand at $18,490,819, reflecting the trust our members place in us. Under the leadership of CEO Spike Henderson and Board President Robert Howard, our team of 38 employees works tirelessly to ensure that every interaction is meaningful and supportive. With a net worth of $10,158,047 and cash in hand amounting to $776,658, we are financially sound and prepared to meet your needs. While members can visit us at our branch location, official correspondence should be sent to 1508 East Prospect, Ponca City, OK 74604-1909. We invite you to explore how we can assist you on your financial journey. For any inquiries or assistance, feel free to reach out at 580-718-4000. Join us at Cherokee Strip today where your financial goals become our mission! Visit us online at cherokeestrip.com for more information on membership eligibility and our wide range of services. Let's build a brighter future together!

Branch History & Mission

At Cherokee Strip, we take pride in our rich history and commitment to serving the community of Ponca City, Oklahoma. Established in 1933, our East - Prospect Branch has grown alongside our members, fostering financial stability and support for nearly a century. With a strong foundation built on trust and integrity, we have become a vital part of the local landscape. Located at 1508 E Prospect Ave, Ponca City, OK 74604, our branch is not only accessible but also welcoming. The neighborhood is vibrant, with local shops and parks nearby that reflect the heart of our community. While members can visit us at this address, official correspondence should be sent to 1508 East Prospect, Ponca City, OK 74604-1909. Our mission is clear: to provide exceptional financial services while making a positive impact in our community. We currently serve over 9,054 members, offering a range of products including personal banking accounts, auto loans, mortgage options, and business banking services. With total assets of $105,008,272, we are equipped to help our members achieve their financial goals. Throughout the years, Cherokee Strip has embraced modern advancements to enhance member experience. Our branch features convenient ATM access and drive-thru banking services for quick transactions. We also prioritize digital solutions with online and mobile banking options that allow members to manage their finances from anywhere. Community outreach is at the core of what we do. We believe in forming partnerships that uplift those around us. Whether through financial education programs or local sponsorships, we strive to be a source of support for individuals and families in Ponca City. As we look ahead to the future, we invite you to join us at Cherokee Strip. Experience firsthand how we blend financial expertise with genuine care for our members' well-being. For more information or to become a member, please reach out at 580-718-4000 or visit our website at cherokeestrip.com. Together, let's build a stronger community!

Branch Location & Accessibility

Call Us Today!

We invite you to stop by and discover how we can help you with your financial goals. If you have questions or need assistance before visiting, don't hesitate to give us a call at 580-718-4000. Your financial journey starts here at Cherokee Strip where we make banking personal!

Nearby Landmarks and Accessibility

Our branch is close to several local landmarks, making it a familiar stop for residents. Just a short drive from the city center and easily accessible via major roads, we're here to serve you. Parking is available right outside our door, so you won't have to worry about finding a spot when you arrive. Plus, our facility is designed with accessibility in mind, featuring ADA-compliant entrances and ramps to ensure everyone can access our services comfortably.

Operating Hours and Services

At Cherokee Strip, we understand that banking hours matter. That's why we're open Monday through Friday from 8:30 AM to 6:00 PM. Our team is ready and waiting to assist you during these hours! We offer a range of services tailored to meet your needs whether you're looking for checking and savings accounts, auto loans, mortgage options, or even business banking solutions. Need cash? Our ATM is conveniently located on-site for quick withdrawals and balance checks. Additionally, we have drive-thru banking available for those who prefer a little extra convenience while handling their transactions.

Member Eligibility

At Cherokee Strip, we're excited to welcome you into our community where you can access a range of financial services tailored just for you. Becoming a member is simple and open to anyone who lives, works, worships, or attends school in Kay County. Even if you're not in that area, don't worry! If you have a family member who's already part of our credit union, you're eligible too. We believe everyone deserves a chance to join a supportive financial family, and we're here to help you every step of the way. To get started with your membership at Cherokee Strip, just visit us at 1508 E Prospect Ave, Ponca City, OK 74604 or give us a call at 580-718-4000. Our friendly team is ready to assist you with any questions about the process or the benefits of being part of our credit union community. For detailed eligibility criteria and updates, feel free to check out our website at https://cherokeestrip.com/join-now/. Join us today and take advantage of all that Cherokee Strip has to offer!

Business Banking & Commercial Services

Business Loan Options

Imagine having the financial backing to expand your operations, hire new employees, or invest in essential equipment. With our commercial loan options, you can turn those dreams into reality. Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $96 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $12,421,469, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In today's fast-paced market, efficient payment processing is crucial for any business. Our merchant services offer simple solutions for accepting payments, making it easy for you to focus on what matters most your customers. From card processing to online payment options, we help streamline transactions so you can serve your clients better. Visit us at 1508 E Prospect Ave Ponca City Ok 74604 in Ponca City, or call us at (580) 718-4000 to learn how our business banking and commercial services can empower your growth!

Comprehensive List Of Services

Business Banking

For local business owners, we offer specialized services to support your entrepreneurial journey. Our merchant services ensure that you have the tools needed for smooth transactions. Additionally, our business loans can provide the funding necessary to grow or sustain your operations.

Convenient Access

At Cherokee Strip, we strive to make your banking experience as convenient as possible. We have an ATM available for quick cash withdrawals and basic account inquiries right in your neighborhood. For those who prefer face-to-face interactions but need speed, our drive-thru banking allows for simple transactions like deposits and withdrawals without leaving your car. If you're ready to take control of your financial future or simply want more information about what we offer, don't hesitate to reach out! Call us at 580-718-4000 or visit us online at Cherokee Strip for more details on how we can serve you better. Join us today and discover how Cherokee Strip is committed to supporting you every step of the way!

Digital Banking Solutions

In today's fast-paced world, having access to banking services at your fingertips is crucial. That's why we provide robust online and mobile banking options. You can check balances, transfer funds, and pay bills conveniently from anywhere. With features like mobile payments, managing your finances has never been easier!

Personal Banking

We understand that managing personal finances can be overwhelming. That's why we offer various checking and savings accounts that cater to different lifestyles and goals. Need a loan? Our auto loans and vehicle financing options make it easy for you to get behind the wheel of your dream car without straining your budget. If you're considering buying a home, our mortgage loans and refinancing services can help guide you through the process with ease. For those moments when life throws you a curveball, our personal loans can provide quick relief. Plus, if you're looking to streamline your expenses, our debt consolidation loans are here to help you manage multiple payments more efficiently. And let's not forget about rewards! With our credit cards with rewards, you can earn points on everyday purchases that can lead to exciting benefits.

Digital & Online Banking

Accessible Anytime

At Cherokee Strip, we believe that banking should fit into your lifestyle. Our digital services are designed for ease of use, ensuring you can manage your accounts in real time whenever it suits you. Whether it's late at night or during your lunch break, we're here for you. Join us today at https://cherokeestrip.com/ and experience the freedom of digital banking with Cherokee Strip!

Convenient Online Banking

With our 24/7 online banking services available at https://cherokeestrip.com/, you can check balances, pay bills, and transfer funds without ever needing to step foot in a branch. Whether you're at home or on the go, managing your accounts is simple and convenient.

Mobile Banking Made Easy

Stay in control of your finances with our user-friendly mobile application. You can download it to make payments on the fly or use mobile payments for quick transactions. It's all about making banking work for you! Plus, if you need to send money to a friend or family member, our person-to-person transfer feature makes it hassle-free.

Secure Transactions

Security is our top priority. Our platform offers electronic signature authorization, allowing you to sign documents securely from the comfort of your home. Plus, with e-statements available, you can access your financial statements digitally no more waiting for paper copies in the mail.

Financial Strength

Commitment to Growth

With $10,743,007 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 $2,459 in used auto loans and $73,509,371 in total loans and leases.

Growing Member Base

Total Share and Deposit Accounts: 14,974, showing a strong and growing member base that trusts us with their finances. Our commitment is to provide you with a safe place for your money while helping you achieve your personal or business goals. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Cherokee Strip is your trusted partner. Visit us at 1508 E Prospect Ave Ponca City Ok 74604 or call (580) 718-4000 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our operational efficiency is reflected in our $-$138,873, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 37 full-time employees and 1 part-time employees ready to assist you with knowledge and dedication.

Secure Savings Options

Members' savings are secured through $33,084,933 in share certificates and $7,416,952 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.

Solid Financial Health

With a net worth of $10,158,047, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 9.67% 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 $33,724,039 in used vehicle loans and $5,431,401 in new vehicle loans already helping members get on the road. We also offer refinancing options for existing auto loans allowing you to take advantage of better rates or terms if your financial situation changes.

Business Financing

For business owners in our community, our outstanding commercial loans totaling $12,421,469 provide the capital needed to grow and expand your business. If you're looking for ways to invest in your future or cover operational costs, our team is ready to assist you with tailored solutions.

Credit Lines

In addition to standard loan products, we also offer credit lines with a total value of $7,605,000. These flexible options allow you easy access to cash when you need it most. At Cherokee Strip located at 1508 E Prospect Ave Ponca City OK 74604, our experienced team is here to guide you through each step of the loan process. If you have any questions or would like to learn more about eligibility requirements for any of our products, feel free to reach out at 580-718-4000. 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 look forward to helping you meet your financial objectives!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We provide Junior Lien 1-4 Family Residential Properties loans totaling $2,604,629, which can help you secure a place to call home without unnecessary complications. Our refinancing options are also available for current homeowners looking to improve their mortgage terms.

Unsecured Credit Card Loans

We know managing finances can sometimes be challenging. That's why we offer flexible terms on unsecured credit card loans, with a total of $428,109 in loans helping members manage their expenses effectively. This product is designed for those who need quick access to funds without the burden of collateral.

Loan Aggregator

Benefits of Using LendMesh

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CHEROKEE STRIP CREDIT UNION - Ponca City, OK

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