C-Plant Credit Union Paducah KY | Low Mortgage Rates & Auto Loans

Introduction

Welcome to C-plant, your trusted community credit union located at 2500 Lone Oak Rd, Paducah, KY 42003. Since our establishment in 1951, we have proudly served over 16,238 members, fostering a sense of belonging and financial security within our community. With total assets reaching an impressive $328,047,993 and total deposits of $40,233,422, C-plant stands as a beacon of stability and trust for individuals and families alike. Our dedicated team of 43 employees, led by our CEO Paul Adams and Board President Sean Anderson, is committed to delivering personalized financial services tailored to meet your unique needs. Whether you're looking for personal banking solutions like checking and savings accounts or exploring auto loans and mortgage refinancing options, we are here to guide you every step of the way. While members can visit us at our branch address for face-to-face assistance, we also welcome official correspondence sent to our mailing address: PO Box 9250, Paducah, KY 42002-9250. At C-plant, we believe in giving back to the community that supports us. Our mission is to empower our members through responsible lending practices and educational resources that promote financial literacy. As you explore what we have to offer, you'll find that our commitment goes beyond just numbers; it's about building relationships based on trust and transparency. We invite you to reach out to us at (270) 554-0287 or visit our website at C-plant to learn more about how we can help you achieve your financial goals. Join us in shaping a brighter future together!

Branch History & Mission

Join Us

We invite you to experience the C-plant difference firsthand. Whether you're looking for a new checking account or seeking advice on your first home loan, we're here for you every step of the way. With dedicated staff available during convenient hours Monday through Thursday from 9 AM to 5 PM and Friday until 5:30 PM we make it easy for you to get the support you need. Together, let's build a brighter financial future! Visit us today or call us at 270-554-0287 to learn more about how C-plant can help you achieve your goals.

Our Evolution

Since opening our doors more than seventy years ago, C-plant has continually adapted to meet the needs of our members. From expanding our services to include personal banking, auto loans, and mortgage financing to embracing technology with online banking and mobile applications, we strive to offer solutions that empower our members' financial journeys. Today, our total assets stand impressively at $328 million, reflecting the trust placed in us by our community. As we grew, so did our focus on community outreach and partnerships. We actively engage with local organizations and initiatives that align with our mission to enhance the quality of life in Paducah and beyond. Our drive-thru service and ATM availability ensure that we are always accessible to those who rely on us.

Our Mission

At C-plant, our mission is simple yet profound: to provide exceptional financial services while supporting the community we love. We believe that everyone deserves access to reliable banking options that foster growth and security. This belief drives us to create programs tailored not just for individual needs but also for local businesses striving for success. While members can visit us at 2500 Lone Oak Rd for all their banking needs, official correspondence should be sent to PO Box 9250, Paducah, KY 42002-9250 if necessary.

Branch Location & Accessibility

Accessibility Features

At C-plant, we prioritize accessibility for all our members. Our branch is ADA compliant, ensuring that everyone can navigate our facilities with ease. With ample parking available and ramps for easy access, we strive to make your visit comfortable and welcoming.

Operating Hours

We know your time is valuable! That's why our lobby hours are designed to fit your busy schedule. You can visit us from 9 AM to 5 PM, Monday through Thursday, and until 5:30 PM on Fridays. Need assistance outside of these hours? Don't hesitate to give us a call at (270) 554-0287 we're here to help!

Services Offered

Our C-plant branch offers a variety of services tailored to meet your financial needs. From checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. Plus, we provide ATM services for quick cash withdrawals and drive-thru banking for those on the go. While you're welcome to come by our location at 2500 Lone Oak Rd, if you need to send official correspondence, please use our mailing address: PO Box 9250, Paducah, KY 42002-9250.

Visit Us Today!

We invite you to come see us at C-plant! Whether you're looking for friendly advice or want to explore our range of financial products, we're excited to assist you on your journey. Join us in making your banking experience enjoyable and straightforward stop by today!

Member Eligibility

Becoming a member of C-plant is like joining a family that truly cares about your financial well-being. If you're looking to be part of a supportive community, C-plant welcomes you with open arms! To become a member, you simply need to live, work, worship, or attend school in the area around Paducah. This means if you're connected to our vibrant local community, you're eligible! We believe everyone deserves access to friendly financial services designed with their needs in mind. You can enjoy various advantages like personalized banking solutions and competitive loan rates that make life just a bit easier. Ready to start your membership journey? Opening an account is simple! Just give us a call at (270) 554-0287, or visit our website for more details on eligibility and account opening. For the most up-to-date information on who can join us, feel free to check out our detailed eligibility criteria at https://www.cplant.com/accounts/personal-savings/membership-savings.html . We can't wait to welcome you to the C-plant family at 2500 Lone Oak Rd, Paducah, KY 42003!

Business Banking & Commercial Services

Commercial Loans

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $83 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 $20,104,960, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In today's fast-paced market, having reliable payment options can make all the difference. Our merchant services allow you to accept payments easily, whether in-store or online. Imagine being able to provide your customers with quick and secure transactions this not only enhances their experience but can also boost your sales. Located conveniently at 2500 Lone Oak Rd Paducah Ky 42003 in Paducah, KY, we invite you to explore how our business banking solutions can help you achieve your financial goals. Reach out at (270) 554-0287 to learn more about how we can partner with you on your business journey!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

If you're dreaming of a new car or need financing for a reliable vehicle, our Auto Loans & Vehicle Financing services can help make that dream a reality. We offer competitive rates to ensure you can drive away in the car you love without stretching your budget.

Business Banking Services

For entrepreneurs and business owners, our Business Banking services include merchant services and business loans designed to help your venture thrive. Whether you're starting out or expanding, we're here to support you every step of the way.

Credit Cards with Rewards

For those who enjoy rewards while spending, our Credit Cards with Rewards can enhance your purchasing power. Earn points on everyday purchases that can be redeemed for exciting perks it's like getting rewarded just for living your life!

Digital Banking Convenience

In today's fast-paced world, having access to your finances at your fingertips is essential. Our Online & Mobile Banking platforms allow you to manage accounts, pay bills, and transfer funds from anywhere at any time. With secure ATM services available for cash withdrawals and balance checks, you'll find banking with us is both easy and efficient.

Drive-Thru Services

Need quick access without leaving your car? Our Basic Drive-Thru Banking offers deposits, withdrawals, and other simple transactions all designed with your convenience in mind. At C-plant, we are more than just a credit union; we are part of the community. With dedicated staff ready to assist you at every turn and flexible hours from 9 AM - 5 PM Monday through Thursday and until 5:30 PM on Friday, we're here when you need us most. Ready to explore what we can do for you? Contact us at 270-554-0287, or visit us online at cplant.com. Your financial journey starts here!

Home Financing Options

When it comes to homeownership, we know how important it is to find the right mortgage solution. Our Mortgage Loans & Refinancing options cater to first-time buyers and seasoned homeowners alike. Imagine unlocking the door to your new home with a loan that fits your financial picture perfectly.

Personal Banking Solutions

Whether you're looking to open a checking account or save for the future, our Personal Banking services have got you covered. We offer both checking and savings accounts tailored to suit your lifestyle. For those moments when life throws a curveball, our Personal Loans & Debt Consolidation options provide flexibility and peace of mind. Imagine tackling that unexpected expense or consolidating your debts into one manageable payment it's all possible with us.

Digital & Online Banking

Convenient Access Anytime

Our 24/7 online banking services give you the freedom to check balances, transfer funds, and pay bills whenever it suits you. You can easily navigate our platform at https://www.cplant.com/ to manage your accounts with just a few clicks. Whether you're at home or on the go, accessing your financial information is quick and straightforward.

Effortless Transfers

While person-to-person transfers are not currently offered at C-plant, our online banking service still allows for easy management of your funds and quick transfers between accounts. In today's fast-paced world, having reliable digital banking tools is essential. At C-plant, we're dedicated to providing our members with the best online experience possible. Experience the convenience and security of our digital banking services today!

Manage Your Money on the Go

For those who prefer mobile banking, we've got you covered with our user-friendly mobile application. Downloading our app gives you instant access to all your banking needs right in your pocket. Whether you need to check your balance or make quick payments, it's all available at your fingertips.

Secure Transactions Made Easy

Security is a top priority for us at C-plant. With electronic signature authorization, signing documents online is not only fast but also safe. Plus, our system ensures that your personal information stays protected while you enjoy the ease of paperless transactions.

Stay Organized with E-Statements

Say goodbye to paper clutter! Our e-statements feature allows you to view your account statements digitally. You can access them anytime from your computer or mobile device, making it easy to stay organized and track your financial activity without the hassle of physical paperwork.

Financial Strength

Commitment to Our Members

Total Share Accounts stand at 36,220, showing a strong and growing member base that trusts us with their finances. This trust is built on transparency and our commitment to serving you effectively. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, C-plant is your trusted partner. Visit us at 2500 Lone Oak Rd Paducah Ky 42003 or call (270) 554-0287 to learn more about how we can help you achieve your financial goals.

Efficient Operations

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 40 full-time employees and 3 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Investment in Growth

With $45,980,358 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is robust with $2,799 in used auto loans and $139,734,834 in total loans and leases, supporting our members' financial goals across various sectors.

Member Savings and Security

Members' savings are secured through $111,900,821 in share certificates, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $247,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Our Financial Health

With a net worth of $45,980,358, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,503 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 $45,419,879 in used vehicle loans and $28,868,009 in new vehicle loans already helping members get on the road. We provide competitive rates and flexible terms to make your car-buying experience as smooth as possible.

Credit Lines

For those looking for more flexibility in managing expenses or unexpected costs, our total credit lines amounting to $40,500,000 are available. This allows you to access funds when you need them most. If you're considering refinancing any existing loans or exploring eligibility options for our products, we're here to help guide you through the process. Our team is dedicated to finding the best solutions tailored just for you. Feel free to reach out to us at 270-554-0287 or visit us at 2500 Lone Oak Rd Paducah Ky 42003 for more information on how we can assist you with your financial needs. For performance insights and financial data regarding our offerings, please visit the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $1,874,583, make buying or refinancing simple. We believe in supporting your journey to owning a home with favorable terms and guidance through every step of the process.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $307,708 in loans helping members manage their finances effectively. These credit cards are designed to provide you with convenience and flexibility for everyday purchases without requiring collateral.

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 approach guarantees that users receive fair and transparent offers tailored to their needs. One of the key benefits of using LendMesh is its commitment to Verified Data. Loan offers are sourced from legitimate financial institutions, ensuring transparency and trustworthiness in every comparison. Furthermore, LendMesh operates without Sponsored Listings they do not prioritize lenders based on paid promotions. Their goal is to provide unbiased results that empower users to make informed decisions. Additionally, LendMesh provides Real-Time Rate Comparisons, showcasing up-to-date loan rates from multiple institutions. This feature allows users to quickly identify the best options available, saving both time and money. Thousands of users trust 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!" 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.*

C PLANT FEDERAL CREDIT UNION