Cove Credit Union Edgewood KY | Affordable Vehicle Loans & ATM Access

Introduction

Welcome to Cove Federal Credit Union, your trusted financial partner located at 577 Dudley Rd, Edgewood, KY 41017. Established in 1970, we have proudly served our community for over five decades, building a strong foundation of trust and reliability among our 6,683 members. With total assets exceeding $77,608,923 and deposits amounting to $9,751,831, we are committed to providing personalized banking services that empower you to reach your financial goals. At Cove, we understand that every member's journey is unique. That's why we offer a wide range of services from auto loans and mortgage options to business banking solutions designed to meet the diverse needs of our community. Our dedicated team, led by CEO Tom Burns and Board President Brian Drees, works tirelessly to ensure that you receive the highest level of service possible. While you can always visit us at our branch for friendly assistance or use our convenient online banking options through our website, please note that official correspondence should be sent to our mailing address at 577 Dudley Rd, Edgewood, KY 41017-3248. Join us today and discover why so many have chosen Cove Federal Credit Union as their go-to financial institution! Feel free to give us a call at (859) 292-9000 during our operating hours: Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 12 PM. We look forward to serving you!

Branch History & Mission

Welcome to Cove, a proud part of the Edgewood community in Kentucky. Since our doors opened in 1970, we have dedicated ourselves to providing exceptional financial services tailored to meet the unique needs of our members. With a strong commitment to community and growth, Cove has grown into a trusted partner for over 6,683 members, managing total assets of approximately $77,608,923. Located at 577 Dudley Rd, Edgewood, KY 41017, our branch is not just a place for banking; it is a hub for financial empowerment and community support. We are conveniently situated near local landmarks that make us easily accessible to all members. For official correspondence, please send your mail to the same address. At Cove, our mission goes beyond typical banking services. We strive to uplift our community by offering products that help individuals and families achieve their financial goals. Whether it's through personal banking options like checking and savings accounts or essential services such as auto loans and mortgages, we are here to support you every step of the way. Our operating hours reflect our dedication to convenience: we are open Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 12 PM. This accessibility ensures that our members can reach us when they need us most. Additionally, with ATM availability and drive-thru banking options, accessing your funds has never been easier. We take pride in embracing technology while ensuring ADA compliance so everyone can benefit from our services. Our digital advancements include online banking, mobile payments, and e-statements all designed with you in mind. As part of our commitment to the community, we actively participate in outreach efforts and build partnerships that foster growth and support throughout Edgewood. By joining Cove, you become part of a larger mission aimed at enhancing not just individual lives but also the collective well-being of our community. We invite you to join us at Cove and experience firsthand the benefits of being a member-focused credit union. Discover how we can help you achieve your financial dreams while supporting your neighbors in Edgewood. Together, let's create a brighter financial future! For more information or to get started today, give us a call at 859-292-9000 or visit us online at www.covefcu.com.

Branch Location & Accessibility

Welcome to Cove Federal Credit Union, your trusted partner in financial services located conveniently at 577 Dudley Rd, Edgewood, KY 41017. Our branch is easy to find and accessible to all, making it simple for you to manage your banking needs. Whether you're stopping by for a quick transaction or seeking assistance with loans or accounts, we are here to help. If you need to send official correspondence, please address it to our mailing address at 577 Dudley Rd, Edgewood, KY 41017-3248. Situated near local landmarks such as the Edgewood Senior Center and the nearby park, our location is not only convenient but also welcoming. We offer ample parking right outside our doors, ensuring that you can easily visit us without any hassle. Our branch is designed with accessibility in mind, featuring ADA-compliant ramps and entryways. At Cove Federal Credit Union, we value your time. Our operating hours are designed to fit into your busy schedule: we're open Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM until noon. Whether you prefer visiting during the week or on weekends, we are here for you! For added convenience, we also have an ATM available for quick cash withdrawals and account balance checks. If you prefer a drive-thru service for deposits or withdrawals, we've got you covered there too! We invite you to come by and see what we can do for you. For any questions or inquiries before your visit, feel free to call us at 859-292-9000. We look forward to welcoming you at Cove Federal Credit Union!

Member Eligibility

At Cove, we believe that everyone deserves a chance to be part of a caring and supportive community. Becoming a member is simple and welcoming, and if you live, work, or worship in the area, you're likely eligible! We open our doors to individuals who share our values and commitment to each other's financial well-being. For more detailed information on eligibility requirements, feel free to visit us at http://www.covefcu.com/about-us/membership. Once you find that you qualify, opening an account is just a few clicks away! You can easily start your journey with us by visiting our account opening page at https://apps-cove.ns3web.com/nsloan. If you have any questions or need assistance during the process, don't hesitate to give us a call at (859) 292-9000. Join us at Cove, located at 577 Dudley Rd Edgewood Ky 41017, and experience the benefits of being part of a community-focused credit union!

Business Banking & Commercial Services

Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. While we currently have $0 in member commercial loans and $0 in non-member commercial loans, we're dedicated to providing flexible financing solutions tailored to meet the unique needs of local entrepreneurs. Imagine having the capital you need to invest in new equipment or hire additional staff these are just a few ways our commercial loans can help turn your vision into reality. Our team is here to guide you through the lending process, ensuring that you find the right product that fits your financial goals.

Merchant Services

In addition to loans, we also offer merchant services that simplify payment processing for your business. Picture this: with our state-of-the-art systems, you can accept payments seamlessly, whether in-store or online. This not only enhances customer experience but also helps you manage cash flow efficiently. Located at 577 Dudley Rd Edgewood Ky 41017 in Edgewood, KY, our team is ready to partner with you on your journey towards success. Reach out today at (859) 292-9000 to discover how we can support your business dreams!

Comprehensive List Of Services

Business Banking Support

For our business members, we understand that your needs are unique. Our business banking services, including merchant services and business loans, help you manage cash flow and expand your operations seamlessly. With our support, running your business can feel more manageable.

Connect With Us Today!

Your financial journey matters to us at Cove. We invite you to explore how our comprehensive services can help you achieve your goals today! Feel free to reach out at (859) 292-9000 or visit us at https://www.covefcu.com for more information on becoming a member or opening an account. Join us in making your financial aspirations a reality!

Convenient Digital Banking Features

In today's fast-paced world, convenience is key. That's why at Cove, we offer robust online and mobile banking options. You can check balances, transfer funds, and pay bills all from the comfort of your home or on-the-go. Our mobile app also allows for easy ATM access, so withdrawing cash is quick and hassle-free. Need assistance with basic transactions? Our friendly staff is available at the drive-thru for deposits, withdrawals, and other simple transactions during operating hours: Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 12 PM.

Personal Banking Solutions

Managing your money should be simple and convenient. At Cove, we offer various personal banking options designed just for you. Open a checking or savings account that suits your lifestyle, whether you need easy access to funds or want to save for future goals. For those times when life's adventures call for a new vehicle, our auto loans and vehicle financing make it easier to hit the road in style. If you're dreaming of homeownership or want to refinance your existing mortgage, our mortgage loans and refinancing options come with competitive rates and personalized service. We also provide personal loans and debt consolidation solutions, ensuring that you have the financial flexibility needed to achieve your dreams without stress. Plus, our credit cards with rewards allow you to earn while you spend.

Digital & Online Banking

Key Features

With our online banking platform, you can enjoy 24/7 access to your accounts. Need to check your balance, transfer funds, or pay bills? It's all right at your fingertips. Plus, we offer electronic signature authorization, making it easy for you to sign documents securely from the comfort of your home. You can also opt for e-statements, which help you keep track of your transactions while reducing paper clutter. Want to send money to a friend quickly? With our person-to-person transfers feature, you can do just that without any hassle.

Mobile Banking Made Easy

For those who prefer managing their finances on the go, our mobile application is perfect for you. Available for download on most smartphones, it brings all the functionalities of online banking right into your pocket. Plus, with our mobile payments feature, paying for purchases is as simple as a tap on your phone.

Security and Accessibility

We prioritize your security and peace of mind. Our online banking services utilize advanced security measures to protect your information. You can manage your accounts knowing that we have taken every step to ensure a safe banking experience. At Cove, we believe that banking should be straightforward and accessible. Our user-friendly features allow you to take control of your finances effortlessly and in real time. Experience the convenience of modern banking by visiting us online today!

Financial Strength

Growing Member Trust

Total Share and Deposit Accounts: 14,455, show a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $277,743 further highlight our commitment to supporting our members' needs. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Cove is your trusted partner. Visit us at 577 Dudley Rd Edgewood Ky 41017 or call (859) 292-9000 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

Members' savings are secured through $14,774,154 in share certificates and $12,885,628 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $2,531,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our performance is reflected in our $-$3,816,907, showcasing our operational efficiency. This allows us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 17 full-time employees and 0 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvestment for Your Benefit

With $11,640,341 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 your financial goals across various sectors with $644 in used auto loans and $55,111,618 in total loans and leases.

Strong Financial Health

With a net worth of $12,193,451, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 15.68% 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 $9,616,643 in used vehicle loans and $2,725,864 in new vehicle loans already helping members get on the road. We provide financing options for both new and used vehicles, ensuring you have access to the funds you need while keeping monthly payments manageable.

Business Loans

For business owners, our outstanding commercial loans totaling $0 currently provide opportunities for future growth and expansion as we continue to develop services tailored for businesses in our community.

Credit Cards and Personal Loans

We also offer flexible terms on unsecured credit card loans, with a total of $1,641,355 in loans helping members manage their finances effectively. Our personal loan options can assist with debt consolidation or unexpected expenses. With competitive interest rates and straightforward repayment plans, you can find solutions that fit your budget.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $7,502,076, make buying or refinancing simple. Whether you are a first-time homebuyer or looking to refinance an existing mortgage, our team is here to guide you through the process.

Refinancing Options

If you're considering refinancing any of your current loans be it an auto loan or mortgage we encourage you to explore our eligibility options. Refinancing can often lead to lower monthly payments and reduced interest rates. For more details on how these loan products can benefit you or to inquire about eligibility requirements, feel free to contact us at 859-292-9000 or visit us at 577 Dudley Rd Edgewood Ky 41017. Our friendly team is ready to assist you during our operating hours: Monday - Thursday from 9 AM - 5 PM; Friday from 9 AM - 6 PM; and Saturday from 9 AM - 12 PM. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let Cove help you navigate your financial journey today!

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COVE FEDERAL CREDIT UNION - Edgewood, KY

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