City And County Employees Credit Union Albert Lea MN | Affordable Vehicle Loans & Top Checking Accounts

Introduction

Welcome to City And County Employees at our convenient location on 1719 W Main St, Albert Lea, MN 56007! Since our establishment in 1950, we have proudly served our community with a commitment to fostering financial wellness among our 1,735 members. As part of the credit union movement, we focus on providing personalized service and competitive rates to help you achieve your financial goals. At City And County Employees, we understand that trust is essential in a financial partnership. With total assets amounting to an impressive $25,705,648, we are dedicated to ensuring your funds are safe and well-managed. Our strong net worth of $2,694,589 reflects our stability and commitment to serving you better each day. Whether you're seeking personal banking solutions like checking accounts or loans, or need support for your business with merchant services, we're here for you. Our friendly team of 4 employees, led by CEO Brady Jones and Board President Vickie Storlie, is ready to assist you during our operating hours from 8 AM to 5 PM Monday through Friday, and 9 AM to 12 PM on Saturdays. While members can visit us at our branch for all their banking needs, official correspondence should be sent to 1719 West Main Street, Albert Lea, MN 56007. With total deposits reaching $1,408,293 and a robust loan portfolio of 420 loans and leases, we're equipped to support a variety of financial endeavors. Whether you're considering a new auto loan or looking into mortgage refinancing options, our knowledgeable staff will guide you every step of the way. Join us in making a positive impact within our community! Reach out today by calling us at 507-373-7200 or explore more about our services online at alcitycountycu.org. We look forward to welcoming you as part of our family!

Branch History & Mission

A Commitment to Innovation

As part of our ongoing efforts to enhance member experience, we have embraced digital advancements such as online and mobile banking. This allows our members to manage their finances anytime, anywhere. While we currently do not have ATM or drive-thru services, we remain committed to making your banking experience as convenient as possible.

Join Us

As we continue this journey together, we invite you to become part of the City And County Employees family. With total assets exceeding $25 million and a dedicated team ready to serve you, your financial future is in good hands. Feel free to reach out at 507-373-7200 or visit us at our branch during lobby hours from 8 AM - 5 PM Monday through Friday and from 9 AM - 12 PM on Saturdays. Experience the difference of community-focused banking at City And County Employees where your success is our mission!

Our Mission

Our mission is clear: to provide our members with personalized financial solutions while fostering community growth. We offer a wide range of services including checking and savings accounts, auto loans, mortgages, personal loans, and business banking options. We believe that everyone deserves access to quality financial services that empower them to reach their goals. We pride ourselves on being more than just a bank. We are deeply invested in our community's well-being. Through various outreach programs and partnerships with local organizations, we strive to make a positive impact in Albert Lea and beyond.

Branch Location & Accessibility

Accessibility Features

Our branch is designed with accessibility in mind. There are ample parking spaces available, and we ensure that everyone can access our facilities comfortably. We comply with ADA standards to make your visit as easy as possible.

Operating Hours

We invite you to visit us during our operating hours from 8 AM to 5 PM on weekdays and from 9 AM to 12 PM on Saturdays. Our team is eager to assist you with personal banking needs like checking and savings accounts, auto loans, mortgage options, and more!

Services Offered

While you're here, you can take advantage of a variety of services including online and mobile banking for your convenience. Although we currently do not have ATM services or drive-thru banking available at this location, our staff is always happy to assist you directly inside the branch. For any inquiries or assistance, don't hesitate to give us a call at 507-373-7200. We look forward to welcoming you into our community-focused credit union!

Member Eligibility

At City And County Employees, we believe that everyone deserves a supportive financial community, and becoming a member is easier than you might think! If you live or work in Freeborn County or are related to someone who does, you're likely eligible to join us. We welcome individuals from all walks of life, whether you're starting your first job or looking for ways to manage your finances better. To learn more about the specific eligibility criteria, feel free to visit our website at where you'll find all the details you need. Joining City And County Employees not only opens doors to personalized banking services, including checking and savings accounts, auto loans, and more, but it also connects you with a team dedicated to your financial success. Ready to get started? Opening an account is simple! Just give us a call at (507) 373-7200, and we'll guide you through the process. We're excited to welcome you to our family at 1719 W Main St Albert Lea Mn 56007!

Business Banking & Commercial Services

Financing Options for Growth

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 That Make Sense

Imagine a busy Saturday morning at your local café. With our merchant services, you can easily accept payments from customers using various methods, making transactions smooth and efficient. Whether it's credit cards or mobile payments, we help you cater to your customers' needs while streamlining your operations. Discover how our business banking and commercial services can empower you to achieve your goals. Visit us at 1719 W Main St Albert Lea Mn 56007 or call us at (507) 373-7200 today!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Need a new set of wheels? Our Auto Loans and Vehicle Financing options make it simple for you to get behind the wheel. We understand that buying a car can be overwhelming, so we offer competitive rates and flexible terms that fit your budget. Picture driving off the lot in your dream vehicle, knowing you got the best financing deal possible.

Business Banking

For our business members, we offer comprehensive Business Banking solutions including Merchant Services and Business Loans. No matter if you're starting a new venture or expanding an existing one, we provide tools and support tailored for small businesses like yours. Think about how our resources could empower your business growth and enhance your cash flow management.

Credit Cards with Rewards

Our Credit Cards with Rewards program allows you to earn while you spend. Enjoy benefits like cashback on purchases or travel rewards that make every transaction more rewarding. Envision taking that weekend getaway funded by the points you've accumulated just by using your card for everyday expenses.

Mortgage Loans & Refinancing

If you're considering buying a home or refinancing an existing mortgage, our Mortgage Loans and Refinancing services are here for you. With personalized service and expert advice, we guide you through the process step-by-step. Think about how nice it would be to lower your monthly payments or finally own your home without the burden of high-interest rates.

Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why we offer robust Online and Mobile Banking services that allow you to manage your accounts anytime, anywhere. Pay bills, transfer funds, and check balances right from your smartphone! This means no more rushing to the bank before closing time everything is at your fingertips whenever you need it. At City And County Employees, we pride ourselves on offering these diverse services while maintaining the friendly atmosphere you'd expect from a community-focused credit union. We invite you to visit us or explore our website at alcitycountycu.org for more information on how we can serve you better. Ready to take the next step in managing your finances? Give us a call at 507-373-7200 today!

Personal Banking

Whether you're opening your first checking account or looking for a safe place to save, we have personal banking solutions tailored just for you. Our Checking and Savings Accounts offer competitive interest rates and easy access, allowing you to manage your finances with confidence. Imagine being able to set up automatic transfers to help you save for that dream vacation or a new car effortlessly!

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way, but our Personal Loans and Debt Consolidation options provide a safety net when you need it most. Whether it's for home repairs or consolidating debt into one manageable payment, we are committed to helping you regain control over your finances. Imagine having peace of mind knowing that you've simplified your financial obligations.

Digital & Online Banking

Key Features

Need to send money to a friend? Our person-to-person transfer feature makes it simple. Just enter their details, and you can send cash instantly no need for checks or cash withdrawals. Plus, if you're on the go, our mobile application allows you to manage your finances directly from your smartphone. Whether you're making payments or checking transactions, everything is at your fingertips. While we currently don't offer electronic signature authorization or e-statements, we ensure that all transactions are handled securely. You can rest easy knowing your data is protected as you navigate through our services. For those who love the convenience of mobile payments, we're excited to announce that while this feature isn't available yet, our mobile application still offers many ways to manage your accounts effectively. At City And County Employees, we're committed to making banking accessible for everyone. Our online banking services allow for real-time account management so that you are always in control of your finances. Join us today and experience banking made easy!

Financial Strength

Dedicated Team

Our commitment to service is backed by a dedicated team of 4 full-time employees and 0 part-time employees who are always ready to assist you with any of your banking needs. We believe that having knowledgeable staff makes a difference in your experience with us.

Financial Overview

With a net worth of $2,694,589, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,048 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Growing Member Base

With 3,451 total share accounts, we show a strong and growing member base that trusts us with their finances. This trust motivates us to continually improve and expand our offerings to meet your needs. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, City And County Employees is your trusted partner. Visit us at 1719 W Main St Albert Lea Mn 56007 or call (507) 373-7200 to learn more about how we can help you achieve your financial goals.

Lending Capacity

We pride ourselves on our lending capabilities as well. With $216 in used auto loans and $4,864,761 in total loans and leases, our lending capacity supports members' financial goals across various sectors. Our strong operational efficiency is reflected in our $42,314, which enables us to continue offering competitive loan rates and solid financial products for our members.

Member Savings

Members' savings are secured through $3,320,220 in share certificates and $4,463,059 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 $2,851,369 in used vehicle loans and $572,599 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive rates for both new and used vehicles. If you're interested in refinancing your current auto loan, we can assist you in exploring your options.

Business Financing

For business owners seeking growth opportunities, our outstanding commercial loans provide the capital needed to expand operations or invest in new projects. Although currently we have no outstanding commercial loans available, we encourage business members to inquire about future opportunities. At City And County Employees located at 1719 W Main St Albert Lea Mn 56007, our team is committed to helping you navigate through these options with personalized service. You can reach us at 507-373-7200 for any questions or assistance regarding our loan 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. Explore our diverse range of loan products today and take a confident step toward fulfilling your financial aspirations!

Credit Card Loans

Managing everyday expenses can be easier with our unsecured credit card loans. We also offer flexible terms on unsecured credit card loans, with a total of $33,296 in loans helping members manage their finances effectively. This option provides access to funds when you need them most without the pressure of collateral.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $865,038, make buying or refinancing simple. We aim to guide you through the mortgage process with clarity and support every step of the way. If you're considering refinancing an existing mortgage, our team is here to discuss eligibility and potential savings.

Loan Aggregator

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Ensuring Accurate Loan Comparisons

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CITY AND COUNTY EMPLOYEES FEDERAL CREDIT UNION - Albert Lea, MN