Co-op Credit Union Black River Falls WI | Affordable Auto Loans & Business Banking

Introduction

Welcome to Co-op, your trusted financial partner located at 100 E Main St, Black River Falls, WI 54615. Established in 1938, our credit union has been dedicated to serving our community for over 85 years. With a strong membership of 22,525 individuals and total assets reaching $543,438,243, we strive to provide a range of financial services tailored to meet your needs. At Co-op, we believe that banking should be accessible and personal. That's why we offer services from checking accounts to auto loans, all designed with you in mind. Our total deposits stand at an impressive $19,680,833, reflecting the trust our members place in us. We are committed to reinvesting those funds into the community through loans over 14,299 loans and leases have been approved to help our members achieve their financial goals. Our leadership team, led by CEO Timothy Tranberg and Board President Timothy Torkelson, is passionate about ensuring that every member feels valued and supported. Whether you're looking for a new vehicle or planning to purchase your dream home, we are here to guide you every step of the way. While members can visit us at our branch for all their banking needs, official correspondence should be sent to our mailing address at PO Box 157, Black River Falls, WI 54615. We invite you to experience the difference of a member-focused credit union where your financial well-being is our priority. For more information or assistance, feel free to call us at 800-258-0023 or visit our website at Co-op Credit Union. Join us today and discover how we can help you thrive financially!

Branch History & Mission

Commitment to Innovation

In today's fast-paced world, we recognize the importance of digital accessibility. Co-op provides robust online and mobile banking options so members can manage their finances effortlessly from anywhere. With features like electronic signatures and mobile payments available, we strive to meet your banking needs with flexibility and ease.

Community Focus

Co-op is deeply rooted in community values. We engage in various outreach programs aimed at making a positive impact on local residents' lives. From sponsoring local events to supporting schools and charities, we believe in giving back because a thriving community benefits everyone. As you consider becoming part of our family here at Co-op, know that you will receive not only great financial services but also be part of a community-focused organization that truly cares. Join us today and discover how we can help you achieve your financial goals while contributing positively to Black River Falls! For more information or assistance, feel free to reach out by calling us at 800-258-0023 or visiting our website at coopcu.com. We look forward to welcoming you!

Our Mission

At Co-op, our mission goes beyond providing financial products. We are dedicated to enhancing the lives of our members and supporting the local community through partnerships and outreach initiatives. Our focus is on delivering quality financial education that empowers individuals to make informed decisions about their finances. While you can visit us at our branch address for all your banking needs, any official correspondence should be sent to our mailing address: PO Box 157, Black River Falls, WI 54615. We aim to ensure that every interaction whether in-person or online is convenient and effective for you.

Our Story

Located at 100 E Main St, Black River Falls, WI 54615, Co-op has been a cornerstone of financial support for individuals and families throughout the region. Over the decades, we've embraced advancements in technology and service delivery to enhance the banking experience. Today, we proudly offer a range of services including checking and savings accounts, auto loans, mortgage financing, and business banking solutions. Our total assets stand at an impressive $543,438,243. This financial strength allows us to better serve our members with competitive rates and personalized service. We understand that each member has unique needs; hence our offerings are designed to support various life stages from first-time homebuyers to seasoned investors.

Branch Location & Accessibility

Convenient Location

Situated right in the heart of Black River Falls, our branch is easy to find and just a stone's throw away from popular local landmarks. With ample parking available, including accessible spots for those who need them, visiting us is both hassle-free and convenient. Our building complies with ADA standards, ensuring that everyone can navigate our space comfortably.

Get in Touch

If you have any questions or need further assistance, don't hesitate to give us a call at 800-258-0023. We're here to help you navigate your financial journey every step of the way! So why wait? Come visit us today and discover how Co-op can make your banking experience better than ever!

Operating Hours

We understand that your time is valuable. That's why our lobby is open Monday through Thursday from 9:00 AM to 4:30 PM and Fridays from 9:00 AM to 5:00 PM, with drive-thru service available earlier from 7:30 AM to 5:30 PM on weekdays and until noon on Saturdays. This flexibility means you can choose a time that fits your schedule.

Services Offered

At Co-op, we offer a variety of services designed to meet your personal and business banking needs. From checking and savings accounts to auto loans and mortgages, we've got you covered. Need quick cash? Our ATM services are readily available for withdrawals and balance checks. Plus, if you prefer face-to-face assistance for simple transactions like deposits or withdrawals, take advantage of our efficient drive-thru banking. While members can visit us at 100 E Main St for all their banking needs, official correspondence should be sent to PO Box 157, Black River Falls, WI 54615.

Member Eligibility

At Co-op, we believe that becoming a member is more than just opening an account; it's about joining a community that truly cares for you. If you're looking to become part of our family, the good news is that eligibility is broad and welcoming! You can join us if you live, work, worship, or attend school in the areas we serve. We also welcome family members of existing members, making it easy for your loved ones to enjoy the benefits we offer. To learn more about the specific requirements, feel free to check out our detailed eligibility criteria at http://www.coopcu.com/become-a-member . Opening an account with us is simple and straightforward! Just reach out via phone at (800) 258-0023, or visit us at our branch located at 100 E Main St Black River Falls Wi 54615. Our friendly staff is here to guide you through the process and answer any questions you might have. We can't wait to welcome you into our cooperative community where you'll enjoy personalized service and a range of financial products designed with your needs in mind.

Business Banking & Commercial Services

Commercial Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $542 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $1 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $59,618,231, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, we offer comprehensive merchant services that make transactions easy and efficient. Picture this: you own a busy café, and with our merchant services, you can accept payments quickly whether it's via credit card, mobile payment apps, or contactless methods ensuring that your customers enjoy a seamless checkout experience. Located at 100 E Main St Black River Falls Wi 54615 in Black River Falls, WI, our dedicated team is ready to assist you. Contact us at (800) 258-0023 today to learn more about how we can help your business thrive!

Comprehensive List Of Services

A Warm Welcome Awaits

We invite you to experience all these services firsthand by visiting us at 100 E Main St Black River Falls Wi 54615 or giving us a call at (800) 258-0023. At Co-op, our friendly team is ready to assist you with any questions or concerns you may have about our offerings. Your financial journey matters to us, and we're here every step of the way. Whether you're already a member or considering joining our community, we encourage you to explore what we have available. Visit us online at Main Office for more information on how we can support your financial goals today!

Business Banking

For our members who are entrepreneurs or business owners, we offer comprehensive business banking solutions. From merchant services that simplify transactions for your customers to various types of business loans that can help your company grow, we're here to support your success.

Credit and Debt Management

Life can throw unexpected expenses your way. That's why we provide personal loans and debt consolidation options to help you manage those costs effectively. Additionally, our credit cards with rewards allow you to earn points on everyday purchases, making it easier to save while you spend.

Digital Banking Convenience

In today's fast-paced world, convenience is key. Our robust online and mobile banking platforms allow you to manage your accounts anytime and anywhere. You can easily check balances, transfer money, and pay bills from the comfort of your home or on the go. Plus, with ATM access for cash withdrawals and basic drive-thru banking for quick transactions, managing your money has never been easier.

Personal Banking Solutions

We understand that managing your personal finances can be overwhelming at times. That's why we offer personal banking services including checking and savings accounts that fit your lifestyle. If you're in the market for a new car or need funds for a big purchase, our auto loans and vehicle financing options make it easy to get behind the wheel without breaking the bank. For those looking to invest in real estate, our mortgage loans and refinancing services can help you find the perfect home loan tailored to your needs.

Digital & Online Banking

Key Features

Our commitment to security is paramount. We utilize electronic signature authorization, so you can complete important transactions safely and easily without needing to visit a branch. You can also opt for e-statements, which not only help you keep track of your finances but are also better for the environment. Need to send money quickly? With our person-to-person transfer feature, sending money to friends or family has never been easier. And if you're looking for a convenient way to pay at stores or online, our mobile payments feature lets you make purchases securely right from your phone. Whether you're checking your account balance late at night or transferring funds during lunch break, Co-op ensures that managing your money is hassle-free. Experience the ease of banking digitally and take control of your financial future today!

Financial Strength

Growing Member Base

Total Share and Deposit Accounts: 57,015, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $15,289,267. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Co-op is your trusted partner. Visit us at 100 E Main St Black River Falls Wi 54615 or call (800) 258-0023 to learn more about how we can help you achieve your financial goals.

Member-Focused Savings

Members' savings are secured through $170,701,708 in share certificates and $24,317,825 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 $2,200,607 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 82 full-time employees and 18 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvestment for Growth

With $56,160,291 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our commitment to growth is also reflected in our lending capacity; with $3,668 in used auto loans and $454,452,364 in total loans and leases, we support members' financial goals across various sectors.

Strong Financial Health

With a net worth of $60,488,903, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,113 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 $48,718,694 in used vehicle loans and $12,954,502 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive interest rates for both new and used vehicles. Plus, if you're considering refinancing your current auto loan, we can help you explore eligibility options that may save you money each month.

Commercial Loans

For business owners, our outstanding commercial loans totaling $59,618,231 provide the capital needed to grow and expand your business. We understand the challenges that come with running a business and are here to assist you in achieving your goals through tailored lending solutions. At Co-op located at 100 E Main St Black River Falls WI 54615, we prioritize your financial well-being. For more information about our loan products or to discuss your options with one of our knowledgeable team members, please call us at 800-258-0023. 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 our loan offerings can fit into your life today!

Credit Lines and Personal Loans

For those needing additional financial flexibility, our total credit lines amounting to $124,954,851 can provide the support you need for various expenses. Whether it's for home improvements or unexpected bills, we offer personal loans designed to meet your specific needs. Additionally, we also offer flexible terms on unsecured credit card loans, with a total of $1,641,601 in loans helping members manage their finances effectively.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $22,387,326, make buying or refinancing simple. We understand that purchasing a home is one of the biggest financial decisions you'll make. That's why our mortgage team is committed to guiding you through each step of the process.

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. This transparency ensures that you can make well-informed decisions without the confusion often associated with comparing loan options. LendMesh guarantees accurate loan comparisons by sourcing its 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 verified data means that all loan offers displayed are legitimate and reflect current market conditions. One of the standout features of LendMesh is its dedication to providing unbiased results. There are no sponsored listings or paid promotions that could influence the ranking of lenders. This ensures that users see a fair representation of available options based solely on their rates and terms. With real-time rate comparisons from multiple institutions, users benefit from up-to-date information that can significantly impact their financial choices. The platform empowers thousands of users each year to find suitable loans quickly and efficiently. One satisfied member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" To explore your options further, 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.

CO OP CREDIT UNION