Low Mortgage Rates & Affordable Auto Loans | Commonwealth Credit Union Lexington KY

Introduction

Welcome to the Commonwealth at our Hamburg Branch, located conveniently at 2540 Sir Barton Way, Lexington, KY 40509. Since our establishment in 1951, we have been dedicated to serving our community and fostering financial well-being for our members. With a robust membership of over 130,000, we are proud to be a trusted partner in your financial journey. At Commonwealth, our commitment goes beyond just banking; we aim to empower you with the tools and services necessary for achieving your financial goals. As of now, we boast total assets of an impressive $2,566,596,191 and total deposits amounting to $317,693,456. This strong financial foundation allows us to offer a variety of products tailored to meet your needs whether you're looking for personal banking options like checking and savings accounts or exploring loans for auto financing or mortgages. Our leadership team is here to support you every step of the way. Under the guidance of CEO Karen Harbin and Board President Randy Fawns, we strive to maintain a friendly and professional environment where your needs come first. Our dedicated staff of 375 employees is ready to assist you during our lobby hours from 9:00 AM to 5:00 PM (M-F) and until 12:30 PM on Saturdays. For any official correspondence, please note that it should be sent to our mailing address at PO Box 978, Frankfort, KY 40602. We invite you to visit us at our branch or call us at 800-228-6420 for any inquiries or assistance you may need. Join us as we continue to grow together because at Commonwealth, you're not just a member; you're part of our family!

Branch History & Mission

A Commitment to Innovation

In this age of technology, Commonwealth is dedicated to providing convenient digital banking options such as online banking and mobile payments. We ensure that all members can access their accounts easily while keeping security at the forefront of our operations. Our branch also features ATM availability and drive-thru banking for those who prefer face-to-face interaction or require quick cash withdrawal options. As we continue to grow and adapt to the changing landscape of finance, our focus remains on serving you better every day. Join us at Commonwealth and experience the difference where your financial well-being is at the heart of everything we do!

Our Mission

The mission of Commonwealth is simple yet profound: we strive to empower our members by offering accessible financial services while actively engaging in community support. We believe that everyone deserves a chance to achieve their financial goals, whether it's securing an auto loan, purchasing a home, or managing personal finances through our various accounts and services. We take pride in being more than just a credit union; we are a community partner. Our initiatives extend beyond banking as we actively participate in local events and support various charitable organizations throughout Lexington and the surrounding areas. This commitment reflects our belief that when our community thrives, so do we. While members can visit us at 2540 Sir Barton Way for all their banking needs, official correspondence should be sent to PO Box 978, Frankfort, KY 40602.

Branch Location & Accessibility

A Range of Services Just for You

At Commonwealth, we offer a variety of services designed to meet your financial needs. From personal banking options like checking and savings accounts to auto loans, mortgages, and credit cards with rewards there's something here for everyone. Additionally, our online and mobile banking services provide flexibility so you can manage your finances anytime, anywhere.

Convenient Access and Amenities

Parking is plentiful and easy at our location, ensuring you can quickly get in and out. Our branch is fully ADA compliant with features such as ramps for those who may need assistance. We also have a drive-thru service available for quick banking needs without leaving your car. If you prefer to handle your banking transactions through an ATM, we're pleased to offer that option as well. While members can visit us at 2540 Sir Barton Way, official correspondence should be sent to PO Box 978, Frankfort, KY 40602.

Let’s Connect!

We invite you to visit us at the Commonwealth Hamburg Branch or give us a call at 800-228-6420 if you have any questions or need assistance. Our dedicated team is here to help you every step of the way!

Operating Hours Tailored for You

We know life can get busy, which is why we strive to be available when you need us most. Our lobby hours are from 9:00 AM to 5:00 PM Monday through Friday and we also have Saturday hours from 9:00 AM to 12:30 PM for your convenience.

Member Eligibility

Becoming a member of Commonwealth is like joining a close-knit family that's dedicated to supporting you in your financial journey. At our branch located at 2540 Sir Barton Way Lexington Ky 40509, we welcome individuals who live, work, worship, or attend school in our community. It's an inclusive space where everyone can thrive! The process to become a member is straightforward and welcoming. Simply reach out to us at (800) 228-6420 for any questions or visit our website for detailed eligibility information. If you're ready to take the next step, you can also find everything you need to open an account easily through the link provided. We can't wait to have you join our community at Commonwealth! For more details on eligibility, check out [this resource].

Business Banking & Commercial Services

Merchant Services That Matter

Imagine this: you're a local coffee shop owner who wants to streamline payments. Our merchant services allow you to accept credit and debit cards effortlessly, giving your customers the convenience they expect. Not only does this boost sales, but it also enhances customer satisfaction. With our tools, managing transactions becomes simple, letting you focus on what you do best serving great coffee! Visit us at 2540 Sir Barton Way Lexington Ky 40509, Lexington, KY, or call us at (800) 228-6420 to discover how we can partner with you for success.

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $265 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $63 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $91,513,180, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

ATM & Drive-Thru Services

Need quick cash or want to make a deposit? Our ATM services allow easy withdrawals and balance checks whenever you need them. For those who prefer face-to-face interactions but still want convenience, our basic drive-thru banking provides essential services like deposits and withdrawals without leaving your car. At Commonwealth, we're committed to making banking accessible and user-friendly for all our members. If you have questions about any of our services or want personalized assistance, feel free to reach out at (800) 228-6420 during business hours. We look forward to serving you! Explore the full range of services available at Hamburg Branch today!

Business Banking Services

For our business members, we understand that managing finances can be challenging. That's why we offer tailored business banking solutions, including merchant services and business loans, to help your company thrive. Whether you're starting a new venture or expanding an existing one, our team is ready to assist you with expert advice and financial products designed for success.

Credit Cards with Rewards

Looking for a credit card that offers more than just a line of credit? Our credit cards come with rewards programs that let you earn points for every purchase. Whether it's cash back or travel rewards, we have options that make using your card even more rewarding.

Digital Banking Features

In today's fast-paced world, having access to your accounts anytime, anywhere is crucial. With our online and mobile banking services, managing your finances has never been easier. From checking balances to transferring funds or paying bills on-the-go, our digital platforms are designed for convenience and security.

Home Financing Options

Buying a home is an exciting journey, and at Commonwealth, we are here to help every step of the way. Our mortgage loans and refinancing services cater to first-time buyers as well as seasoned homeowners looking to save on their monthly payments or tap into their home's equity. We work with you to find the right solution that fits your unique situation.

Personal Banking Solutions

Whether you're looking to open a checking or savings account, we have options designed just for you. Our personal banking services ensure that you can manage your finances effortlessly. If you're considering a new car, our auto loans offer competitive rates and flexible terms, making vehicle financing simple and accessible. Plus, for those big purchases or unexpected expenses, our personal loans and debt consolidation options provide the support you need to stay on track financially.

Digital & Online Banking

Key Features

Our digital services include features like e-statements, which allow you to view your account statements electronically no more waiting for the mail! You can also enjoy mobile payments, so making purchases with your smartphone is a breeze. With our mobile application available for download, managing your accounts is literally at your fingertips. Need to send money to a friend? Our person-to-person transfer option makes it simple and fast. Just a few taps on your screen and the money is sent securely. Plus, while we don't currently offer electronic signature authorization, rest assured that all transactions are protected with top-notch security measures. In today's fast-paced world, accessibility matters. Our digital banking tools are user-friendly and designed with you in mind, allowing for real-time account management without any hassle. Join us at Commonwealth and experience banking that's built for your lifestyle!

Financial Strength

A Solid Financial Foundation

With a net worth of $287,619,804, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 11.20% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Commitment to Growth

With $277,904,161 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 members' financial goals across various sectors with $18,914 in used auto loans and $1,838,796,165 in total loans and leases.

Member Trust

Total Share and Deposit Accounts: 327,896, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $1,403,159. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Commonwealth is your trusted partner. Visit us at 2540 Sir Barton Way Lexington Ky 40509 or call (800) 228-6420 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Operational Efficiency

Our $9,551,173 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 358 full-time employees and 17 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Secure Savings Options

Members' savings are secured through $965,401,846 in share certificates and $222,402,007 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 $376,673,196 in used vehicle loans and $174,811,253 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive rates to make your next vehicle purchase as smooth as possible.

Business Financing

For business owners, our outstanding commercial loans totaling $91,513,180 provide the capital needed to grow and expand your business. Whether you're looking for equipment financing or working capital, our team can assist you in finding the right solution tailored for your company's growth. If you're considering refinancing any of these options, our team is ready to discuss eligibility requirements and benefits that could save you money. Reach out to us today at (800) 228-6420 or visit us at 2540 Sir Barton Way Lexington Ky 40509, Lexington, KY. Our friendly staff is here to assist you from 9:00 AM to 5:00 PM on weekdays and from 9:00 AM to 12:30 PM on Saturdays. You can also explore our services online at http://www.ccuky.org. 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 committed to helping you achieve your financial aspirations!

Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $101,215,825 in loans helping members manage their finances effectively. These cards can be a great way to build credit while enjoying rewards on everyday purchases.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $198,324,779, make buying or refinancing simple. We can help you navigate the process and find a plan that works within your budget.

Loan Aggregator

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How LendMesh Ensures 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 commitment to sourcing from reputable institutions ensures that all offers presented are fair and transparent.

COMMONWEALTH FEDERAL CREDIT UNION - Lexington, KY

Type of Loan Offerings

Home Equity Loans

Personal Loans

Student Loans

Vehicle Loans

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Loan rates in Lexington, KY (40509)