Cit-co Credit Union Sheridan WY | Affordable Auto Loans & Business Banking

Introduction

Welcome to Cit-co, your trusted partner in financial services located at 502 N Main St, Sheridan, WY 82801. Since our establishment in 1954, we have proudly served our members, growing to a vibrant community of over 2,006 members. With total assets exceeding $24,784,186 and deposits amounting to $4,520,085, we are committed to providing you with secure and reliable banking solutions. At Cit-co, we understand that every financial decision matters. That's why we offer a range of services designed to support you through life's various stages. Whether you're looking for personal banking options such as checking and savings accounts, auto loans, or even mortgage refinancing, we're here to help. Our commitment extends beyond just numbers; we focus on building meaningful relationships within our community. Under the leadership of CEO Tracy Thorpe and Board President Marilyn Pettit, our dedicated team of four employees strives to ensure that every member feels valued and supported. We invite you to experience our personalized service firsthand our lobby is open Monday through Friday from 9:00 AM to 5:00 PM and Saturday from 9:00 AM to 12:00 PM. While members can visit us at our branch for all their banking needs, official correspondence should be sent to our mailing address at PO Box 4067, Sheridan, WY 82801. If you have any questions or need assistance, don't hesitate to reach out by calling us at (307) 674-7449 or sending a fax to (307) 674-5375. Join us today and discover how Cit-co can make a difference in your financial journey! Visit us online at citcofcu.com for more information on membership eligibility and our range of services.

Branch History & Mission

Commitment to Accessibility

We understand the importance of convenience in today's fast-paced world. That's why Cit-co offers comprehensive online and mobile banking options so you can manage your finances anytime, anywhere. Our branch is also ADA compliant, ensuring everyone can access our services comfortably. Additionally, with an ATM on-site and drive-thru banking available during extended hours Monday through Friday from 8:00 AM to 5:30 PM we make it easy for you to bank on your schedule. While members can visit us at 502 N Main St, official correspondence should be sent to PO Box 4067, Sheridan, WY 82801 if necessary. Join us at Cit-co where we are more than just a credit union; we are your financial family dedicated to helping you achieve your goals. Come experience the difference today! For inquiries or assistance, feel free to reach us at 307-674-7449 or explore more about us at citcofcu.com.

Our Evolution

Since opening our doors, Cit-co has focused on providing personalized financial services that meet the needs of our diverse membership. From humble beginnings, we've seen significant growth in both our services and assets. Today, we boast total assets of $24,784,186, a testament to the trust our members place in us. We have adapted to changes over the years while keeping our core values intact: integrity, community spirit, and member focus.

Our Mission

At Cit-co, our mission is simple yet profound: we aim to empower our members through accessible financial solutions that enhance their lives. Whether it's providing personal banking options like checking and savings accounts or offering auto loans and mortgages, we strive to be there for you every step of the way. We believe in giving back to the community that supports us. Through various outreach programs and partnerships, we actively contribute to local initiatives that foster growth and well-being within Sheridan.

Branch Location & Accessibility

Operating Hours

At Cit-co, we want to make your banking experience as smooth as possible. Our lobby hours are Monday through Friday from 9:00 am to 5:00 pm, and on Saturdays from 9:00 am to 12:00 pm. If you need to swing by for a quick transaction, our drive-thru service is available Monday through Friday from 8:00 am to 5:30 pm, providing flexibility for those on the go.

Services Offered

Our branch offers a wide range of services tailored to meet your needs. From personal checking and savings accounts to auto loans and mortgage refinancing, we're dedicated to helping you manage your finances effectively. Plus, we provide easy access to ATMs for withdrawals and balance checks whenever you need them. While members can visit us at 502 N Main St Sheridan Wy 82801, official correspondence should be sent to our mailing address at PO Box 4067, Sheridan, WY 82801. If you have any questions or need assistance, feel free to give us a call at (307) 674-7449. We invite you to come in and experience the personalized service that sets us apart. Stop by today and let us help you achieve your financial goals!

Member Eligibility

At Cit-co, we believe that everyone deserves a supportive financial community. Becoming a member is simple and welcoming! If you live, work, or worship in the area, you're likely eligible to join us. We're open to individuals and families who are looking for a credit union that prioritizes their needs. Our members enjoy benefits like lower loan rates, higher savings yields, and personalized service that big banks just can't match. To find out if you meet our specific eligibility criteria, please visit this page for more details. When you're ready to take the next step toward membership, opening an account with us is straightforward! You can reach out via phone at (307) 674-7449 or visit us at our branch located at 502 N Main St Sheridan Wy 82801. We're excited to help you start your journey with Cit-co and show you the many ways we can support your financial goals!

Business Banking & Commercial Services

Merchant Services

In today's fast-paced marketplace, efficient payment solutions are crucial. Our merchant services provide businesses with the tools they need to accept payments easily and securely. From credit card processing to online payment options, we're here to help streamline your transactions and enhance customer satisfaction. With an outstanding commercial loan portfolio of $15,888, we continue to drive economic growth by financing new and expanding businesses in Sheridan, WY. Let us be part of your success story! Visit us at 502 N Main St Sheridan Wy 82801 or call us at (307) 674-7449 to learn more about how we can support your business goals.

Comprehensive List Of Services

Business Banking Made Easy

For business owners in our community, we offer specialized services like Merchant Services & Business Loans that cater specifically to your needs. Whether you're starting a new venture or expanding an existing one, we're committed to supporting local businesses with the right financial tools.

Convenient Access and Support

Our friendly staff is always ready to assist you with any transaction, whether it's simple deposits or withdrawals through our Basic Drive-Thru Banking service. We know life can be busy, so we strive to make banking easy and accessible. At Cit-co, we are not just another financial institution; we are part of the community. With a commitment to personalized service and member satisfaction, we invite you to explore how we can support your financial journey. For more information about our services or to speak with a member of our team, please call us at (307) 674-7449 or visit us online at Main. We look forward to helping you achieve your financial goals!

Loans Tailored Just for You

If you're looking to finance your next big purchase, our Auto Loans & Vehicle Financing options make it easier than ever to get behind the wheel of a new car. For those considering homeownership or refinancing an existing mortgage, our Mortgage Loans & Refinancing services can guide you through every step of the process. And if unexpected expenses arise, our Personal Loans & Debt Consolidation products are here to help you regain control.

Personal Banking Solutions

When it comes to personal banking, we understand that everyone has unique needs. That's why we offer Checking & Savings Accounts designed for convenience and flexibility. Imagine having instant access to your funds through our Online & Mobile Banking services, allowing you to manage your money anytime, anywhere. Need cash quickly? Our ATM & Cash Withdrawal Services ensure you're never far from your funds.

Rewarding Credit Options

Don't forget about our Credit Cards with Rewards, which provide not just purchasing power but also benefits that make your spending more rewarding. Enjoy cash back and other perks that add value every time you use your card.

Digital & Online Banking

Key Features of Our Digital Banking Services

With our 24/7 online banking services, you can easily check your balances, transfer funds, and pay bills right from your computer or mobile device. If you prefer using your smartphone, our mobile application provides a user-friendly interface for managing your finances on the go. Plus, enjoy the convenience of mobile payments, allowing you to make purchases without the need for cash or cards. We also offer person-to-person transfers, making it simple to send money to friends or family quickly and securely. And with e-statements available, keeping track of your transactions is not only efficient but also eco-friendly. Just log into your account to view your statements anytime you need them.

Security You Can Trust

Your security is our top priority. While we don't currently support electronic signature authorization, we ensure that all transactions are safeguarded with advanced security measures. This means you can feel confident knowing that your personal information and funds are protected while using our digital services. At Cit-co, we strive to provide accessible and easy-to-use banking solutions tailored for our members. Join us today and experience the benefits of modern banking at your fingertips!

Financial Strength

Growing Member Base

We have achieved significant milestones with a total of 3,539 share accounts, demonstrating the growing trust our members place in us. Net Shares available for lending and investments stand at $448,189, reinforcing our commitment to sustainable financial practices. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Cit-co is your trusted partner. Visit us at 502 N Main St Sheridan Wy 82801 or call (307) 674-7449 to learn more about how we can help you achieve your financial goals.

Member Savings Securely Held

Members' savings are secured through $5,401,019 in share certificates and $772,770 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $1,491,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our strong operational efficiency is reflected in our $189,359, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 4 full-time employees and 0 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvestment for Improvement

With $1,898,885 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 also shows in our lending capacity; with $657 in used auto loans and $19,233,497 in total loans and leases, we support members' financial goals across various sectors.

Strong Financial Health

With a net worth of $2,287,922, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $923 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 $11,061,434 in used vehicle loans and $4,876,958 in new vehicle loans already helping members get on the road. Whether you're after a brand-new model or a reliable used vehicle, we have financing options that can work for you.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $501,909, make buying or refinancing simple. We guide you through every step of the process to ensure you find a solution that fits your needs.

Other Loan Options

In addition to auto and mortgage loans, we provide personal loans and lines of credit to assist with various financial situations. If you're considering refinancing any existing debt, our team is here to discuss eligibility options and help you make informed decisions. For business owners, our outstanding commercial loans totaling $15,888 provide the capital needed to grow and expand your operations. We know that running a business comes with its own set of challenges, and our tailored solutions aim to meet those unique needs. If you have questions about any of our loan products or need assistance with the application process, don't hesitate to reach out. You can contact us at (307) 674-7449 or visit us at our branch located at 502 N Main St Sheridan Wy 82801 in Sheridan, WY. 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're here to help you navigate your financial journey!

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $0 in loans helping members manage their finances effectively. These cards come with competitive rates and no collateral requirements, making them an excellent choice for those looking to build or rebuild their credit history.

Loan Aggregator

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How LendMesh Ensures 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 commitment to sourcing ensures that users receive fair and transparent offers. Each lender's information is verified to provide an accurate picture of available loan options.

CIT CO FEDERAL CREDIT UNION - Sheridan, WY