Combined Credit Union Hot Springs AR | Affordable Auto Loans & Business Banking

Introduction

Welcome to Combined Credit Union, your trusted financial partner since 1967. Located at 203 Nash St, Hot Springs, AR 71913, we pride ourselves on offering personalized banking services tailored to our community's needs. With a strong commitment to our 1,857 members, we have grown our total assets to an impressive $9,256,030, demonstrating our stability and reliability in managing your finances. At Combined, we understand that each member's financial journey is unique. That's why we offer a range of services, including personal banking solutions like checking and savings accounts, auto loans, mortgages, and credit cards with rewards. With total deposits reaching $170,126 and a net worth of $1,063,896, you can trust us to safeguard your hard-earned money while providing competitive rates for loans and financing options. Our dedicated team is led by CEO Sharon Hearnsberger and Board President Nancy Meeker, who both share a passion for enhancing the financial well-being of our members. With a friendly staff of five employees ready to assist you, we're here to make your banking experience as seamless as possible. Whether you're looking for assistance with online banking or need help with personal loans totaling over 820, we're just a call away at 501-623-7004. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to the same address: 203 Nash St, Hot Springs, AR 71913. We invite you to explore how Combined Credit Union can support you in achieving your financial goals. Visit us today or check out our website at Combined Credit Union for more information about our services. Together, let's build a brighter financial future!

Branch History & Mission

Join Us!

As we continue our journey, we invite you to become part of the Combined family. Experience firsthand how our dedicated team works tirelessly to support your financial goals while contributing to the greater good of Hot Springs and beyond. If you want more information about membership or services offered, don't hesitate to reach out at 501-623-7004 or visit us at [Combined](https://www.combinedfcu.org/). Together, let's build a brighter future!

Our Mission

Our mission at Combined is clear: we aim to improve the financial well-being of our members while making a positive impact in our community. We believe that financial success should be within everyone's reach. This belief drives us to offer a variety of services tailored to meet individual needs from personal loans and debt consolidation to business banking options. We understand that in today's fast-paced world, convenience matters. That's why we've embraced digital advancements such as online banking and mobile applications. These tools ensure that our members can manage their finances anytime, anywhere. Additionally, we are committed to maintaining accessibility for all with ADA-compliant facilities. Community engagement is at the heart of what we do. We actively participate in local events and initiatives that uplift those around us. By forming partnerships with local organizations, we strive to make a difference beyond just financial transactions.

Branch Location & Accessibility

Contact Us

Have questions or need assistance? Don't hesitate to reach out! You can give us a call at 501-623-7004. We're here to help you navigate your financial journey with confidence. We invite you to visit us at Combined today! Your trusted financial partner in Hot Springs awaits!

Conveniently Located

Nestled near popular local landmarks, our branch is easily reachable and well-connected. If you're visiting us from downtown Hot Springs or the nearby attractions, you'll find us just a short drive away. Ample parking is available to ensure that your visit is hassle-free. Plus, our facility is fully accessible with features like ADA-compliant ramps, making it easy for everyone to access our services.

Operating Hours and Services

At Combined, we understand that your time is valuable. That's why we offer convenient lobby hours from 8:00 AM to 5:30 PM, Monday through Friday. Our dedicated team is here to assist you with personal banking needs including checking and savings accounts, auto loans, mortgage options, and more. If you're on the go, take advantage of our drive-thru service for quick transactions without leaving your vehicle. Additionally, we have ATM availability on-site for those times when you need cash quickly. For members of partner credit unions, our shared service center ensures you can access your accounts and perform basic transactions seamlessly.

Member Eligibility

At Combined, we believe that becoming a member means joining a caring community where your financial needs truly matter. If you live, work, or worship in the Hot Springs area, you may be eligible to join us! We welcome individuals who share our values and are looking for a supportive place to manage their finances. To check the specific eligibility details, feel free to visit our website at http://www.combinedfcu.org/membership . Joining is simple and straightforward. Once you're ready, you can open an account easily by reaching out to us at (501) 623-7004 or visiting our branch located at 203 Nash St Hot Springs Ar 71913. Our friendly staff is here to assist you every step of the way. Becoming a member at Combined not only provides access to various financial services but also connects you with a community that genuinely cares about your success. Don't hesitate; we look forward to welcoming you!

Business Banking & Commercial Services

Commercial Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. While we currently have no member or non-member commercial loans funded, we aim to provide tailored financing solutions that meet your unique needs when the opportunity arises.

Merchant Services

Imagine being able to accept payments easily and securely from your customers. Our merchant services simplify transactions, allowing you to focus on what you do best running your business. Whether you need point-of-sale systems or online payment solutions, we've got you covered. With 203 Nash St Hot Springs Ar 71913 located in the heart of Hot Springs, AR, we are here to provide hands-on support for all your business banking needs. Reach out to us at (501) 623-7004 to learn how our services can help propel your business forward!

Comprehensive List Of Services

Additional Services

If you're in need of quick transactions, take advantage of our basic drive-thru banking services where you can make deposits or withdrawals without leaving your car. We also participate in shared branch transactions for partner credit union members, allowing even greater flexibility in managing your finances. With all these offerings at Combined, located at 203 Nash St Hot Springs Ar 71913, there's no need to look anywhere else. Our dedicated staff is eager to assist you with any questions or needs you may have. Don't hesitate give us a call at (501) 623-7004 or visit us today! Experience the difference at Credit Union where we prioritize YOU!

Business Banking

For small business owners, our services extend into business banking as well. With merchant services and business loans, we can support your entrepreneurial journey by providing financial tools tailored specifically for businesses like yours.

Digital Banking Convenience

In today's fast-paced world, having access to your accounts anytime is essential. Our robust online and mobile banking features allow you to check balances, transfer funds, and pay bills all from the comfort of your home or on the go. You can even use our ATMs for cash withdrawals and balance checks making banking easier than ever.

Loans and Credit Options

Life can be unpredictable, which is why we also provide personal loans and debt consolidation solutions. Whether it's an unexpected expense or consolidating existing debt into one manageable payment, we've got you covered. And if you're looking for rewards while spending, consider our credit cards with rewards that offer benefits for everyday purchases.

Personal Banking

For those just starting out or looking to better manage their finances, our personal banking options are designed for you. We offer checking and savings accounts that help you keep track of your money while earning interest. Imagine having a convenient place to deposit your paychecks and watch your savings grow over time! When it comes to transportation, our auto loans and vehicle financing options make it easy to get behind the wheel of your dream car without breaking the bank. Plus, if you're considering purchasing a home, our mortgage loans and refinancing services can assist you in finding the right mortgage plan that fits your budget and lifestyle.

Digital & Online Banking

Key Features

We know that staying connected to your finances is important. That's why we offer features like electronic signature authorization, which allows you to sign documents digitally saving you time and hassle. Plus, with e-statements available, you'll never have to worry about paper clutter again; you can easily view and download your statements whenever you need them. For those who love using their smartphones, our mobile application makes banking even more convenient. You can manage your accounts directly from your phone, making it easy to keep track of your spending and savings. And if you ever need to send money to friends or family quickly, our person-to-person transfer feature lets you do that with ease.

Security First

Your security is our top priority. We use advanced technology to ensure that your personal information stays safe while you're banking online. You can rest easy knowing that all transactions are protected by robust security measures. In short, at Combined, we're committed to providing accessible and efficient digital banking solutions tailored for our members. Explore these exciting features today by visiting us at https://www.combinedfcu.org/ and experience a new level of banking that fits your lifestyle!

Financial Strength

Growing Member Base

We are proud to serve a growing community with 2,540 total share accounts, showing the trust placed in us by our members. This growth indicates that more people are choosing Combined as their trusted partner for financial success. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Combined is your trusted partner. Visit us at 203 Nash St Hot Springs Ar 71913 or call (501) 623-7004 to learn more about how we can help you achieve your financial goals.

Lending Support for Your Goals

Our lending capacity supports members' financial goals across various sectors with $337 in used auto loans and $8,394,710 in total loans and leases. We take pride in our ability to assist you with your borrowing needs.

Member-Centric Approach

Unlike traditional banks, we prioritize our members. With non-member deposits at $1,243,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. We also boast $990,564 in undivided earnings, which enables us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve you better.

Operational Efficiency

Our $34,825 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. To support these efforts, we have a dedicated team of 4 full-time employees and 1 part-time employees who are always ready to assist you with their knowledge and commitment.

Our Solid Foundation

With a net worth of $1,063,896, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,149 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 for Members

Your savings matter to us. Members' savings are secured through $654,216 in share certificates, offering stable and rewarding financial growth opportunities. While we currently do not have money market shares, our focus remains on providing diverse options tailored to your needs.

Loan Offering

At Combined, we understand that life is full of opportunities and challenges. Whether you're looking to buy a car, purchase your first home, or manage your finances more effectively, we're here to help. Located at 203 Nash St Hot Springs Ar 71913 in Hot Springs, AR, our dedicated team is ready to assist you with a variety of loan products tailored to meet your needs. With over 820 loans issued, we've helped thousands of members achieve their financial goals. Our auto loans are particularly popular among our members. Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $4,178,011 in used vehicle loans and $1,479,979 in new vehicle loans already helping members get on the road. If homeownership is on your mind, we have options for you as well. Our mortgage solutions include Junior Lien 1-4 Family Residential Properties loans totaling $959,776. We make buying or refinancing simple and straightforward. For those who need quick access to funds, we offer flexible unsecured credit card loans, with a total of $0 in loans helping members manage their finances effectively. Additionally, our credit lines provide up to $1,000,000, ensuring you have the financial flexibility when unexpected expenses arise. If you're considering refinancing any existing loans, our team can guide you through the options available. We strive to ensure that you find a solution that suits your financial situation. Reach out to us today at (501) 623-7004 or visit us at our branch location. Our operating hours are from 8:00 AM to 5:30 PM, Monday through Friday. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Let us help you navigate your financial journey!

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COMBINED FEDERAL CREDIT UNION