Low Mortgage Rates & Auto Loans | Commonwealth Credit Union Louisville KY

Introduction

At Commonwealth, we believe in building strong financial futures for our members and community. Located at 3704 Frankfort Ave, Louisville, KY 40207, our St. Matthews Branch is more than just a place to manage your finances; it's a hub of support and growth. Established in 1951, we've proudly served over 130,195 members with a commitment to trust and reliability. While you can visit us at our branch for all your banking needs, please note that official correspondence should be directed to our mailing address: PO Box 978, Frankfort, KY 40602. With total assets exceeding $2.57 billion and deposits of $317,693,456, we are well-equipped to provide diverse financial solutions tailored just for you. Our offerings include everything from checking and savings accounts to auto loans and business banking services. We have issued over 110,343 loans and leases, which underscores our dedication to supporting our members' goals. Under the leadership of CEO Karen Harbin and Board President Randy Fawns, our team of 375 employees works tirelessly to ensure you receive the best possible service. With a net worth of $287,619,804 and cash in hand totaling $22,699,370, we are financially sound and ready to help you navigate your financial journey. We invite you to experience the difference at Commonwealth Credit Union. Whether you're looking for personal banking options or business solutions, our friendly staff is here to assist you every step of the way. Don't hesitate to call us at 800-228-6420 or visit us during our lobby hours from 9:00 AM to 5:00 PM, Monday through Friday, or on Saturdays from 9:00 AM to 12:30 PM at the drive-thru. Join us today and see how we can help elevate your financial experience!

Branch History & Mission

Embracing Technology

In addition to our traditional banking services, we embrace technology to ensure convenience for our members. With features like online banking, mobile payments, and person-to-person transfers, managing your finances has never been easier. We also maintain ADA compliance so that all members can access our services comfortably.

Join Us

As we look ahead towards the future, we invite you to join the Commonwealth family. Experience firsthand how we can support your financial journey while simultaneously giving back to the vibrant community of Louisville. Together, let's build a brighter future! For any inquiries or further information about our offerings, feel free to reach out at 800-228-6420. We can't wait to welcome you!

Our Journey

The journey of Commonwealth began more than seven decades ago when it was established with a mission to provide affordable financial services to all. Over the years, we have embraced significant milestones that reflect our growth and dedication to our members. Today, we manage total assets of approximately $2.57 billion, a testament to the trust placed in us by our community. Our reach extends beyond just providing banking services; we actively engage in partnerships and outreach programs that empower local initiatives and foster community development. We understand that financial health goes hand-in-hand with community well-being. That's why we're committed to supporting local events, sponsoring educational programs, and participating in charitable activities that uplift those around us.

Our Mission

At Commonwealth Credit Union, our mission is simple yet profound: to enhance the financial lives of our members while making a positive impact on the communities we serve. We believe in offering not only competitive rates for loans and deposits but also exceptional service that prioritizes your needs. Whether you are looking for personal banking solutions like checking accounts and auto loans or business banking options such as merchant services and business loans, we are here for you. While members can visit us at 3704 Frankfort Ave, official correspondence should be sent to PO Box 978, Frankfort, KY 40602. Our friendly team is available during lobby hours from 9:00 AM to 5:00 PM Monday through Friday and from 9:00 AM to 12:30 PM on Saturdays for drive-thru services.

Branch Location & Accessibility

Call-to-Action

We invite you to visit us at the Commonwealth St. Matthews Branch today! If you have questions or need assistance before coming in, don't hesitate to give us a call at 800-228-6420. We look forward to serving you soon!

Nearby Landmarks and Accessibility

Finding us is simple! We are just a short drive from popular landmarks like the historic St. Matthews Baptist Church and close to several parks, providing an ideal location for both convenience and community engagement. Parking is readily available right outside our branch, with accessible features including ramps to ensure everyone can visit us comfortably.

Operating Hours and Services

Our lobby hours are designed with your schedule in mind; we're open Monday through Friday from 9:00 AM to 5:00 PM, and on Saturdays from 9:00 AM until 12:30 PM for drive-thru service. Whether you need to make a deposit, apply for a loan, or just ask a question, our friendly staff is here to help. We offer a wide range of services tailored to fit your needs everything from personal banking options like checking and savings accounts to auto loans and mortgage refinancing. Plus, enjoy the convenience of online and mobile banking whenever you need it!

Member Eligibility

Becoming a member of Commonwealth is like joining a welcoming family where your financial needs are understood and prioritized. If you're looking to be part of a supportive community, you'll be pleased to know that eligibility is open to anyone who lives, works, or worships in the local area, along with their family members. This means that whether you're just starting out or looking for ways to manage your finances better, we have something for you. At Commonwealth, we offer a variety of services tailored to make banking easy and beneficial, from personal loans and credit cards with rewards to mortgage options. Getting started is straightforward! You can find more information about the eligibility criteria by visiting our detailed guide. If you're ready to open an account, check out the account opening details. We're here to help you every step of the way, so don't hesitate to reach out at (800) 228-6420 if you have any questions. Join us at our branch located at 3704 Frankfort Ave Louisville Ky 40207, and let's build a brighter financial future together!

Business Banking & Commercial Services

Member and Non-Member 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.

Merchant Services That Make a Difference

In addition to loans, we offer merchant services that can simplify your daily operations. Imagine processing payments seamlessly while keeping your cash flow healthy. Our tools help you accept payments from customers easily, whether they're shopping online or in-person at your storefront. These practical solutions allow you to focus more on what you do best running your business. Located at 3704 Frankfort Ave Louisville Ky 40207 in Louisville, KY, our dedicated team is ready to assist you with tailored financial solutions that fit your unique needs. Reach out today at (800) 228-6420 to learn how we can help your business thrive!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need cash fast? With our ATM services available at various locations, accessing your funds is quick and convenient. Plus, our drive-thru banking allows you to complete simple transactions without leaving your car perfect for those busy days! At Commonwealth, we strive to make banking easy and accessible for everyone in our community. Whether you're just starting out or planning for retirement, we're here to help with personalized service that meets your needs. To learn more about how we can assist you or to open an account today, give us a call at (800) 228-6420 or visit us at 3704 Frankfort Ave Louisville Ky 40207 in Louisville, KY. Let's take this journey together!

Auto Loans & Vehicle Financing

Thinking about getting a new car? Our auto loans and vehicle financing options can help make your dream ride a reality. With flexible terms and competitive rates, we work with you to find a plan that fits your budget. Picture driving off the lot in your new vehicle, knowing you've made a smart financial choice.

Business Banking

For local entrepreneurs, our business banking services provide essential tools like merchant services and business loans tailored to help you thrive. We know running a business can be challenging; let us support you with financial products designed specifically for small businesses.

Credit Cards with Rewards

Our credit cards come with rewards programs designed to give back as you spend. Whether you're using it for everyday purchases or special occasions, earn points toward travel, cashback, or gift cards. It's like getting rewarded just for using what you already buy!

Mortgage Loans & Refinancing

Buying a home is one of the biggest decisions you'll ever make. At Commonwealth, we offer mortgage loans and refinancing options that can turn that dream into reality. Our knowledgeable staff will guide you through the process, ensuring you find the best loan product for your needs. You could soon be settling into your new home, enjoying all the comforts it brings.

Online & Mobile Banking

With our online and mobile banking features, managing your finances has never been easier. Check balances, transfer money, pay bills, and even send money to friends or family all from the comfort of your home or on-the-go with our user-friendly apps.

Personal Banking

For those looking to manage their day-to-day finances, our personal banking services include checking and savings accounts designed for convenience and accessibility. Imagine easily depositing your paycheck and watching your savings grow with competitive interest rates. Whether you're saving for a vacation or planning for a rainy day, we've got you covered.

Personal Loans & Debt Consolidation

If you're looking to consolidate debt or cover unexpected expenses, our personal loans are here to help. We offer solutions that can simplify your finances while potentially lowering your monthly payments. Imagine the relief of having one manageable payment instead of juggling multiple debts.

Digital & Online Banking

Conclusion

With mobile payments enabled, you can make purchases directly from your device with confidence. At Commonwealth, we strive to enhance your banking experience through accessible and reliable services tailored for today's busy lifestyle. Take full advantage of our digital banking tools so you can focus on what matters most your life!

Key Features

Enjoy the ease of electronic statements, which are available for your convenience. No more waiting for paper statements in the mail get instant access to your financial records whenever you need them. Plus, with our mobile application, you can manage your accounts on the go. Whether you're making payments or checking balances, our app is designed for quick and efficient use. For those times when you want to send money to friends or family, our person-to-person transfer feature makes it hassle-free. Just a few taps on your phone or tablet, and you can send money securely without needing cash or checks. Security is paramount in all our digital services. While we don't currently support electronic signature authorization, rest assured that every transaction is protected by advanced security measures to keep your personal information safe.

Financial Strength

Building Trust Together

Net Shares (Funds available for lending and investments): $1,403,159. Total Share and Deposit Accounts: 327,896, showing a strong and growing member base that trusts us with their finances. 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 3704 Frankfort Ave Louisville Ky 40207 or call (800) 228-6420 to learn more about how we can help you achieve your financial goals.

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-Centric 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.

Operational Efficiency

Our strong performance is reflected in our $9,551,173, showcasing our operational efficiency. This success enables 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.

Solid Financial Foundations

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.

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 also provide refinancing options if you're looking to lower your monthly payments or reduce your interest rate.

Business Financing

For business owners, our outstanding commercial loans totaling $91,513,180 provide the capital needed to grow and expand. Whether it's for equipment purchases or operational costs, we can assist you in reaching your business ambitions. At Commonwealth, we pride ourselves on being a community-focused credit union where every member is treated like family. If you have questions about eligibility or want to explore refinancing options, don't hesitate to reach out! You can contact us at (800) 228-6420 during our operating hours from 9:00 AM to 5:00 PM Monday through Friday and 9:00 AM to 12:30 PM on Saturday. 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 how we can support you in achieving your financial dreams today!

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 through different mortgage products to find one that suits your needs.

Personal and Credit Card Loans

For those unexpected expenses or planned purchases, our unsecured credit card loans are available with flexible terms and total financing options of $101,215,825. This gives our members the ability to manage their finances effectively while enjoying rewards. If you're considering debt consolidation or personal loans, we have various options designed just for you.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. LendMesh ensures accurate loan comparisons by sourcing data 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 transparency guarantees that users receive fair and trustworthy offers. One of the standout features of LendMesh is its use of verified data. Loan offers are sourced only from legitimate financial institutions, ensuring users can trust the information they receive. Additionally, LendMesh operates without sponsored listings; lenders are not prioritized based on paid promotions. This means users see truly unbiased results when comparing loan options. With real-time rate comparisons, LendMesh provides up-to-date loan rates from multiple institutions. This empowers users to make informed decisions tailored to their needs. Thousands of users have relied on LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" For anyone looking to navigate the often-complex world of loans, LendMesh stands out as a reliable tool designed with user needs in mind. Compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

COMMONWEALTH FEDERAL CREDIT UNION - Louisville, KY

Type of Loan Offerings

Home Equity Loans

Personal Loans

Student Loans

Vehicle Loans

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