Community Spirit Credit Union Lawrenceburg IN | Best Auto Loans & Business Banking

Introduction

Welcome to Community Spirit Credit Union, your trusted financial partner located at 160 Industrial Dr, Lawrenceburg, IN 47025. Established in 1937, we have proudly served our community for over 85 years, helping thousands of members achieve their financial goals. With a total membership of 2,081 and assets exceeding $20 million, we are committed to providing personalized service and innovative financial solutions tailored to your needs. At Community Spirit Credit Union, we believe in building strong relationships with our members. Our dedicated team of 5 employees, led by CEO Tamara Brett and Board President Christine Arnett, is here to ensure that you receive the best support possible. Whether you're looking for a checking account, an auto loan, or advice on refinancing your mortgage, we're equipped to help you every step of the way. With total deposits reaching $522,004 and a net worth of $2,185,885, our credit union stands on solid financial ground. We also boast a healthy cash reserve of $358,533, allowing us to maintain our commitment to serving you effectively. We take pride in offering competitive rates on loans currently holding a total of 827 loans and leases and rewards on credit card options. While members can visit us at our branch location, official correspondence should be sent to our mailing address: 160 Industrial Drive, Lawrenceburg, IN 47025-1116. We invite you to explore all the services we provide through our user-friendly website at http://www.communityspiritcu.org . Join us today as we continue our mission to uplift our community through responsible banking. Whether you're a long-time member or new to credit unions, we encourage you to reach out at 812-537-0928 or stop by during our lobby hours Monday through Thursday from 8:30 AM to 5:00 PM, Friday until 6:00 PM, and Saturday from 9:00 AM to noon (drive-thru only). Your financial journey starts here!

Branch History & Mission

Community Commitment

We believe in giving back to Lawrenceburg through various outreach programs and partnerships. By participating in local events and supporting initiatives that benefit our community, we aim to strengthen ties with those we serve. Our shared service center enhances accessibility even further by allowing members from partner credit unions to utilize our facilities seamlessly. While you can visit us at 160 Industrial Dr Lawrenceburg In 47025 for all your banking needs during our operating hours Monday through Thursday from 8:30 AM to 5:00 PM, Friday until 6:00 PM, and Saturday from 9:00 AM to noon (drive-thru only) we encourage you also to send any official correspondence to 160 Industrial Drive, Lawrenceburg, IN 47025-1116 if it differs from our branch address.

Join Us!

We invite you to experience the benefits of becoming a member at Community Spirit Credit Union. Whether you're looking for financial advice or simply want a safe place for your savings, we're ready to assist you with friendly faces and expert guidance. For any inquiries or assistance, feel free to reach out at (812) 537-0928 or visit us online at our website. Together, let's build a brighter financial future!

Our Journey

Since opening our doors at 160 Industrial Dr, we have witnessed remarkable milestones. We started with just a handful of members and have grown to serve over 2,081 individuals today. Our journey has been marked by dedication, innovation, and a strong sense of community spirit. As of now, we proudly hold total assets of $20,408,412, allowing us to provide a wide range of financial services tailored to the needs of our members. Located conveniently near local landmarks and accessible for all, our branch provides personal banking services including checking and savings accounts, auto loans, mortgages, credit cards with rewards, and business banking options. We understand that banking is not just about transactions; it's about building relationships that foster trust and security.

Our Mission

At Community Spirit Credit Union, our mission is simple yet powerful: to empower our members through accessible financial services while actively supporting our community. We strive to offer solutions that enhance financial well-being for everyone we serve. Whether you're looking for guidance on loans or seeking ways to save for your future, we're here to help you every step of the way. In addition to providing traditional banking services, we embrace modern advancements such as online and mobile banking. This allows you to manage your finances anytime and anywhere. Our commitment extends beyond banking; we are dedicated to ADA compliance and ensuring that everyone can access our services comfortably.

Branch Location & Accessibility

Accessibility Features

At Community Spirit Credit Union, we prioritize accessibility. Our branch is equipped with ADA-compliant features, ensuring that everyone can comfortably access our services. Parking is available right outside the building, making it easy for you to hop in and out.

Operating Hours

We understand your time is valuable! Our lobby hours are designed to accommodate your schedule: Monday through Thursday from 8:30 AM to 5:00 PM, Friday from 8:30 AM to 6:00 PM, and Saturday from 9:00 AM to noon (drive-thru only). This flexibility allows you to visit us when it's most convenient for you.

Services Offered

In addition to a friendly face ready to assist you at the counter, we provide a variety of services including ATM access and drive-thru banking for quick transactions. Whether you need help with deposits or withdrawals or want to explore our range of loan products, our team is here for you. Plus, as part of a shared service center network, we can facilitate transactions for members of partner credit unions as well. For any questions or assistance, feel free to give us a call at 812-537-0928. Our dedicated staff is always ready to help you find the financial solutions that work best for your lifestyle. We look forward to welcoming you into Community Spirit Credit Union soon!

Member Eligibility

Becoming a member of Community Spirit Credit Union is like joining a family that truly cares about your financial well-being. If you live, work, or worship in the Lawrenceburg area, you're already on your way to enjoying the many benefits we offer. Our doors are open to anyone who meets these simple eligibility criteria, which you can check out in detail at this link. By becoming a member, you'll gain access to personalized services and competitive rates that help you reach your financial goals. Opening an account with us is a breeze! Just stop by our branch at 160 Industrial Dr, Lawrenceburg, IN 47025, or give us a call at 812-537-0928 for more information. We're here to guide you through every step of the process and make sure you feel right at home. Join us today and discover how Community Spirit Credit Union can support your journey towards financial success!

Business Banking & Commercial Services

Business Loan Options

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

Imagine having a reliable partner that streamlines your payment processing, so you can focus on running your business. Our merchant services make it easy for you to accept payments from customers, whether they prefer cash, credit, or digital transactions. This flexibility not only enhances customer satisfaction but also helps you increase sales. Located at 160 Industrial Dr Lawrenceburg In 47025 in Lawrenceburg, IN, we're here to support your journey every step of the way. For inquiries or assistance, feel free to reach us at (812) 537-0928. Join us today and unlock the potential of your business!

Comprehensive List Of Services

Business Banking Services

If you're a business owner, we also provide essential tools for your success through our Business Banking services. This includes Merchant Services & Business Loans, designed to give you the financial backing needed to grow and thrive.

Credit Options

Don't forget about our Credit Cards with Rewards, which let you earn points on your everyday purchases. Whether you're planning a vacation or simply enjoying a night out, these rewards can add up quickly!

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we offer robust Online & Mobile Banking solutions. You can check balances, transfer funds, and pay bills from anywhere at any time. Plus, our ATM & Cash Withdrawal Services ensure that you have access to cash when you need it most.

Drive-Thru and Shared Services

For those who prefer in-person transactions, enjoy the ease of our Basic Drive-Thru Banking, where you can handle deposits, withdrawals, and simple transactions without leaving your vehicle. We also participate in Shared Branch Transactions, allowing members from partner credit unions to perform basic transactions at our location. At Community Spirit Credit Union, we understand that everyone's financial journey is different. That's why we focus on building relationships with our members while providing tailored solutions that fit their unique needs. If you're ready to explore how we can support your financial goals, don't hesitate to reach out! Feel free to call us at (812) 537-0928 or visit us at 160 Industrial Dr Lawrenceburg In 47025. We're excited to welcome you into the Community Spirit Cu family!

Home Financing

Thinking about buying a home? Our Mortgage Loans & Refinancing services offer competitive rates and flexible terms tailored to your unique situation. We know that finding the right mortgage can be overwhelming, but with our experienced team at your side, we will simplify the process and guide you through each stage.

Personal Banking Solutions

For those just starting out or looking to streamline their finances, our Personal Banking options are designed with you in mind. From Checking & Savings Accounts that help you manage your daily expenses and savings goals to Auto Loans & Vehicle Financing that make purchasing your dream car a reality, we've got you covered. Need help consolidating debt? Our Personal Loans & Debt Consolidation services can provide the support you need to regain control over your finances.

Digital & Online Banking

Additional Benefits

Need to send money to a friend or family member? Our person-to-person transfer service lets you do just that with ease. Want to make purchases without cash? With our mobile payments feature, you can pay directly from your phone perfect for those spontaneous outings. At Community Spirit Credit Union, we're committed to making banking accessible and user-friendly for everyone. Experience real-time account management and enjoy the freedom of digital banking today!

Key Features

Our online banking platform makes it simple to check balances, transfer funds, and pay bills all from the comfort of your home or on the go. Plus, with our mobile application, you have all these features right at your fingertips. Whether you're waiting in line or relaxing at home, managing your finances has never been more convenient. Worried about security? We prioritize your peace of mind. Our electronic signature authorization feature ensures that your transactions are safe and secure. You can also enroll in e-statements, giving you quick access to your financial statements without the clutter of paper.

Financial Strength

Commitment to Growth and Innovation

With $2,153,338 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 $385 in used auto loans and $11,856,752 in total loans and leases.

Growing Trust Among Members

Total Share Accounts stand at 2,969, showing a strong and growing member base that trusts us with their finances. Our net shares available for lending and investments amount to $2,319, further illustrating our commitment to creating opportunities for all our members. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Community Spirit Credit Union is your trusted partner. Visit us at 160 Industrial Dr Lawrenceburg In 47025 or call (812) 537-0928 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings Solutions

Members' savings are secured through $5,143,055 in share certificates, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $1,000,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our $0 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 5 full-time employees ready to serve you with a knowledgeable, committed team. Together, we're dedicated to ensuring your banking experience is both personal and efficient.

Strong Capital Foundation

With a net worth of $2,185,885, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,069 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

Additional Loan Options

For those looking for credit lines, we have total credit lines available amounting to $1,670,000. This product can be particularly beneficial for unexpected expenses or projects you want to tackle without taking out a full loan. If you're considering refinancing any existing loans or exploring eligibility options for our various products, don't hesitate to ask about our services. Our team is here to guide you through the process and help you find the best solution for your financial situation. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. At Community Spirit Credit Union, we're committed to providing you with affordable borrowing options that fit your lifestyle and financial needs. Come visit us today!

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $6,137,409 in used vehicle loans and $2,396,675 in new vehicle loans already helping members get on the road. Whether you're purchasing a brand-new vehicle or a reliable used one, our financing options are tailored to meet your needs.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $329,872, which can help you secure that perfect place to call home.

Unsecured Credit Card Loans

We also provide flexible terms on unsecured credit card loans. With a total of $167,776 in unsecured credit card loans helping members manage their finances effectively, our cards come with features designed to support your spending habits without breaking the bank.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring 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 means you can trust that the information presented is accurate and reflects fair offers from reputable lenders.

COMMUNITY SPIRIT CREDIT UNION - Lawrenceburg, IN