Myconsumers

In the close-knit community of Mount Morris, IL, the Consumers Credit Union branch at 4 E Main St is your trusted partner for smart financial solutions. Whether you’re aiming to drive away with some of the best auto loans available or looking to take advantage of low mortgage rates and refinancing options, this branch offers personalized support designed to fit your lifestyle. With convenient lobby hours Monday through Friday from 9 AM to 5 PM and drive-thru service starting as early as 8 AM on weekdays, managing your finances is simple and stress-free.
Serving over 228,000 members with assets exceeding $3.5 billion, Consumers provides a comprehensive suite of services including personal checking and savings accounts tailored for everyday convenience. Business owners can also benefit from merchant services and flexible business loans crafted to help local enterprises grow. Enjoy easy access to cash with on-site ATM and drive-thru banking for deposits, withdrawals, and balance checks. Plus, robust online and mobile banking platforms keep your money within reach anytime.
Visit the Consumers Credit Union branch in Mount Morris today to explore trusted auto financing or mortgage loan solutions made just for you. Experience friendly, community-focused service—start your membership today!
Phone: 815-734-6427 | Website: http://www.myconsumers.org

Type of Loan Offerings

home_equity_loans

Home Equity Loans

Program Name
Loan Type
APR
Term
Max Amount
CLTV
Link
home equity
7 %
5 Yrs
80 %
home equity
7.5 %
10 Yrs
80 %
home equity
7.75 %
15 Yrs
80 %
home equity
8 %
20 Yrs
80 %
mortgage_loans

Mortgage Loans

Loan Type
Product Type
Program Type
Rate
APR
Points
Term
Link
CONVENTIONAL
FIXED
15 Yr Fixed
5.5 %
5.733 %
15.0 Yrs
CONVENTIONAL
FIXED
10 Yr Fixed
5.875 %
6.209 %
10.0 Yrs
CONVENTIONAL
ADJUSTABLE
5/1 Conforming ARM
6.25 %
6.394 %
5.0 Yrs
CONVENTIONAL
ADJUSTABLE
5/5 Smart Start
6.625 %
6.772 %
5.0 Yrs
CONVENTIONAL
FIXED
20 Yr Fixed
6.75 %
6.944 %
20.0 Yrs
JUMBO
FIXED
Jumbo 15 Year Fixed
5.5 %
5.596 %
15.0 Yrs
JUMBO
ADJUSTABLE
5/1 Jumbo ARM
6.375 %
6.434 %
5.0 Yrs
JUMBO
FIXED
Jumbo 30 Year Fixed
6.875 %
6.936 %
30.0 Yrs
JUMBO
FIXED
30 Yr Fixed
6.875 %
7.024 %
30.0 Yrs
personal_loans

Personal Loans

Program Name
APR
Term
Amount
Link
Personal loan (unsecured)
8.99 %
vehicle_loans

Vehicle Loans

Loan Program
Loan Type
APR
Term
Link
Auto
With Auto Buying Service
3.99 % - 4.49 %
5 Yrs
Auto
Without Auto Buying Service
4.49 % - 5.18 %
5 Yrs
Auto
With Auto Buying Service
4.84 % - 5.34 %
6 Yrs
Auto
Without Auto Buying Service
5.34 % - 5.84 %
6 Yrs
Auto
With Auto Buying Service
5.94 % - 6.39 %
7 Yrs
Auto
Without Auto Buying Service
6.44 % - 6.89 %
7 Yrs

Introduction

Welcome to Consumers, your trusted financial partner located at 4 E Main St, Mount Morris, IL 61054. Since our establishment in 1930, we have been dedicated to serving our community and empowering our members with the tools they need for financial success. With a current membership of 228,456 individuals, we take pride in being a vital resource for people in Mount Morris and beyond. At Consumers, we understand that financial stability is key to achieving your dreams. That's why we manage assets totaling an impressive $3,538,406,467 and have facilitated 132,270 loans to help members invest in their futures. Our commitment to you extends beyond just numbers; it's about building relationships and fostering trust within our community. Under the leadership of CEO Sean Rathjen and Board President Scott Drabicki, our team of 472 employees is here to provide personalized service tailored to your needs. Whether you're looking for checking accounts, auto loans, or mortgage refinancing, we offer a wide range of services designed with you in mind. In addition to our friendly local branch experience, we also provide online and mobile banking options so you can manage your finances anytime, anywhere. While members can visit us at our branch address for face-to-face assistance, official correspondence should be sent to the same address. With total deposits reaching $252,671,710, a net worth of $322,851,294, and over $15,815,320 in cash on hand, you can feel secure knowing that your money is in good hands. We're here not just as a credit union but as a partner invested in your financial wellbeing. We invite you to connect with us today! Call us at (815) 734-6427 or visit our website at myconsumers.org for more information about how we can support your financial journey. Join us at Consumers where your success is our mission!

Branch History & Mission

Community Focus

Consumers is more than just a financial institution; we are an integral part of the Mount Morris community. We actively engage in partnerships and outreach efforts designed to uplift local initiatives and support those in need. By focusing on education and community development programs, we aim to foster a brighter future for all residents.

Digital Advancements

In today's fast-paced world, we understand the importance of technology in making banking easier for our members. That's why we have embraced digital advancements including online banking, mobile payments, and e-statements. Our commitment extends to ensuring ADA compliance so that everyone can access our services comfortably. With an ATM available at our location and drive-thru banking options as well, we prioritize convenience without sacrificing personal service. Additionally, as a shared service center, we provide essential banking services for members of partnering credit unions. As we look ahead to the future, we invite you to join us on this journey. Experience the benefits of membership with Consumers by visiting us or exploring more about how we can assist you in achieving your financial dreams. Together, let's build a stronger community! For any inquiries or assistance, feel free to reach out at 815-734-6427. We are here for you!

Our Mission

Our mission at Consumers is clear: to provide accessible financial services that empower individuals and strengthen communities. We believe that everyone deserves the opportunity to achieve their financial goals, whether that's securing an auto loan, saving for a dream home, or managing everyday expenses. We strive to make banking straightforward and supportive, offering personal banking options like checking and savings accounts, auto loans, mortgage refinancing, and credit cards with rewards. While members can visit us at our branch address, official correspondence should be sent to 4 E Main St, Mount Morris, IL 61054-1438 if needed. We are proud to offer convenient operating hours: Monday through Thursday from 9 AM to 4:30 PM and Friday from 9 AM to 5 PM.

Branch Location & Accessibility

Convenient Access

Our branch is designed with your convenience in mind. Parking is readily available right outside, ensuring you can quickly pop in for any of your banking needs. Plus, our facility complies with ADA standards, featuring ramps and accessible entrances so everyone can visit us comfortably.

Get in Touch

Have questions or ready to get started? Don't hesitate to reach out! You can call us at 815-734-6427 for any inquiries or assistance. We look forward to welcoming you into our branch soon come see how we can support your financial journey!

Operating Hours

We understand that life can be busy. That's why our lobby hours are set up to accommodate your schedule: from Monday to Thursday, we're open from 9 AM to 4:30 PM, and on Fridays, we extend our hours until 5 PM. If you're on the go or prefer drive-thru banking, we've got you covered there too! Our drive-thru service operates Monday through Thursday from 8 AM to 4:30 PM and extends to 8 AM to 5 PM on Fridays.

Services Offered

At Consumers Mt. Morris Branch, we offer a wide range of services tailored just for you. From checking and savings accounts to auto loans and mortgages, we've got something for everyone. Need quick access? Our ATM is available for cash withdrawals and balance inquiries around the clock. We also participate in shared service transactions, allowing members from partner credit unions to use our facilities with ease. While you can visit us at 4 E Main St for all your banking needs, please remember that if you need to send official correspondence, it should be directed to the same address as well no need to worry about different mailing addresses here!

Member Eligibility

Becoming a member of Consumers is like joining a caring family that's dedicated to supporting your financial journey. If you live, work, or attend school in the Mount Morris area or have a family member who is already part of our credit union, you're likely eligible to join us. We pride ourselves on being inclusive and welcoming, so don't hesitate to reach out if you're unsure about your eligibility. Not only will you gain access to a wide range of financial services tailored just for you, but you'll also enjoy lower fees and competitive rates that can make a real difference in your financial life. For more detailed information on eligibility criteria, feel free to visit our website at https://www.myconsumers.org/about/what-we-do/membership. If you're ready to open an account, the process is simple just check out https://forms.fivision.com/myconsumers/oa/default.aspx to get started! If you have any questions, give us a call at (815) 734-6427; we're here to help!

Business Banking & Commercial Services

Merchant Services That Matter

In today's fast-paced market, efficient payment processing can set you apart. Our merchant services offer simple and effective solutions that allow you to accept payments easily, manage transactions seamlessly, and keep your cash flow healthy. Imagine serving customers with faster checkouts and reduced wait times this not only enhances customer satisfaction but also boosts your bottom line. Visit us at 4 E Main St Mount Morris Il 61054 in Mount Morris, IL, or call us at (815) 734-6427 to learn how we can support your business goals!

Tailored Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $445 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $2 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $301,508,026, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Accessibility

We are proud to offer shared branch transactions, allowing members from partner credit unions to conduct deposits and withdrawals right here at our location. This means whether you're traveling or just need quick access to cash, we've got you covered. We invite you to visit us at Consumers in Mount Morris or give us a call at 815-734-6427. Explore our services further by visiting our website today! Let us help you take charge of your financial future with ease and confidence.

Business Banking Services

For entrepreneurs, we offer comprehensive business banking solutions including merchant services and business loans. We know how vital it is for businesses to have reliable financial support, so we provide tailored services designed to help your business thrive.

Digital Banking Features

In today's fast-paced world, having access to digital banking is essential. At Consumers, we provide robust online and mobile banking options that allow you to check balances, transfer funds, and pay bills on-the-go. With features like person-to-person payments and e-statements, managing your finances has never been more convenient. Our branch also includes an ATM for quick cash withdrawals and basic drive-thru banking services for deposits and simple transactions perfect when you're in a hurry!

Financial Flexibility

Sometimes life throws unexpected expenses your way. That's where our personal loans and debt consolidation options come in handy. These loans can help you cover urgent costs or consolidate existing debts into one manageable payment, giving you peace of mind. Additionally, our credit cards with rewards allow you to earn benefits while making everyday purchases. Imagine earning cash back or points for travel just by using your credit card for regular expenses!

Personal Banking Solutions

We understand that everyone has different banking needs. That's why we offer personal banking options that include checking and savings accounts. Imagine being able to easily manage your money with accounts that fit your lifestyle. Our checking and savings accounts come with convenient features like online banking and mobile payments, so you can access your funds anytime, anywhere. If you're in the market for a vehicle, our auto loans and vehicle financing options make it easier than ever to get behind the wheel. Picture driving off in your dream car without the stress of complicated financing. With competitive rates and flexible terms, we strive to make the process smooth and straightforward. For those considering homeownership, our mortgage loans and refinancing services provide affordable pathways to owning a home. We work closely with you to find a mortgage solution that meets your unique needs.

Digital & Online Banking

Key Features

We prioritize security and user-friendliness in all our services. For instance, electronic signature authorization allows you to complete transactions securely without the hassle of paperwork. You can also receive e-statements, helping you keep track of your financial activities while reducing clutter. If you love the convenience of mobile payments, you're in luck! Our mobile payments feature lets you make quick transactions directly from your smartphone. And for those moments when you need to send money to friends or family quickly, our person-to-person transfers make it easy to share funds instantly. With all these features designed for real-time account management and accessibility, banking with Consumers has never been easier or more secure. Embrace the ease of modern banking today!

Financial Strength

At Consumers, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We understand that in today's world, you want to know your money is safe and growing. That's why we are committed to maintaining a strong financial foundation. With a net worth of $322,851,294, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 917 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $972,453,824 in share certificates and $288,461,304 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $123,830,551, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $174,880,549 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 $57,552 in used auto loans and a total of $2,472,658,478 in loans and leases. Our $0 net income reflects our operational efficiency as we continue to focus on providing competitive loan rates and solid financial products for our members. We also take pride in having 469 full-time employees and 3 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team. Net Shares available for lending and investments stand at $2,811,193. Additionally, the total share accounts at Consumers have reached an impressive 402,566, showcasing a strong and growing member base that trusts us with their finances. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing or planning for the future, Consumers is your trusted partner. Visit us at 4 E Main St Mount Morris Il 61054 or call 815-734-6427 to learn more about how we can help you achieve your financial goals.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $1,085,589,876 in used vehicle loans and $350,105,038 in new vehicle loans already helping members get on the road. Whether you're purchasing a brand-new model or a reliable used car, our flexible terms can make your buying experience stress-free.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $164,345,883, make buying or refinancing simple. We understand that purchasing a home is one of the biggest decisions you'll make, which is why our team is here to guide you through every step of the process.

Other Financing Options

In addition to auto and mortgage loans, we provide personal loans and credit lines for various purposes. Our total credit lines amount to $918,558,204, offering you access to funds when you need them most. Whether it's for debt consolidation or unexpected expenses, we've got you covered. For business owners looking for growth opportunities, our outstanding commercial loans totaling $301,508,026 can provide the capital needed to expand your business ventures. If you're considering refinancing or need more information about eligibility options for any of these products, feel free to reach out to us at 815-734-6427. Our friendly staff is here to assist you with any questions you may have. 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 Consumers, we prioritize transparency and aim to provide financial solutions that fit your lifestyle. Explore our loan offerings today!

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $90,799,554 in loans helping members manage their finances effectively. Our credit card options come with competitive rates and rewards programs that cater to your spending habits.

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