C-Plant Credit Union Paducah KY | Affordable Vehicle Loans & ATM Services

Introduction

At C-plant, we're more than just a credit union; we're a vibrant part of the Paducah community. Established in 1951, our mission has always been to serve our members with care, transparency, and dedication. Conveniently located at 3201 Wayne Sullivan Dr, Paducah, KY 42003, we invite you to experience the difference that personalized financial services can make in your life. With a total membership of 16,238 and assets exceeding $328,047,993, C-plant stands as a pillar of stability and trust in the region. Our commitment to our members is evident in our robust offerings: from auto loans and mortgages to personal loans and business banking services. We currently hold $40,233,422 in deposits and have disbursed over 6,652 loans to meet the diverse needs of our members. While you can visit us at our branch for all your financial needs, if you need to send any official correspondence, please direct it to our mailing address at 3201 Wayne Sullivan Dr, Paducah, KY 42003. Under the leadership of CEO Paul Adams and Board President Sean Anderson, our team of 43 employees is dedicated to providing exceptional service. With resources like online banking and an accessible drive-thru service, we strive to make managing your finances easier than ever. Whether you're looking for a new vehicle loan or planning for your future with savings accounts that offer competitive rates, C-plant is here for you. We're proud to be rooted in the community and invested in your financial success. Ready to take the next step? Give us a call at 270-442-0789 or visit us online at cplant.com to discover how we can help you achieve your financial goals!

Branch History & Mission

Commitment to Innovation

As times change, so do we. At C-plant, we have embraced digital advancements by offering online banking and mobile applications to ensure our services are accessible anytime you need them. Our branch also complies with ADA standards, ensuring all members feel welcome and supported. With an ATM available for quick cash access and drive-thru banking for ease of transactions, we prioritize convenience without sacrificing personal service. Whether you're stopping by during lobby hours from 9 am - 5 pm on weekdays or making use of our extended Friday hours until 5:30 pm, we're here for you.

Join Us

As we continue to grow and adapt to the needs of our members and the community around us, we invite you to become part of the C-plant family. Experience firsthand how we can help you achieve your financial goals while being part of something bigger a supportive community focused on mutual success. Visit us today at C-plant or check out our website at www.cplant.com for more information on membership and services. Together, let's build a brighter future!

Our Mission

C-plant is not just about banking; it's about people. Our mission is simple yet powerful: to provide reliable financial services while fostering a strong sense of community. We believe that when our members thrive, so does our community. From checking and savings accounts to auto loans and mortgages, we offer a wide range of products designed to meet the diverse needs of our members. In addition to financial services, we are committed to giving back through various outreach programs that support local initiatives. We partner with organizations that focus on education, health, and economic development because we understand that investing in our community is vital for everyone's success.

Branch Location & Accessibility

Welcome to C-plant, your friendly neighborhood credit union located at 3201 Wayne Sullivan Dr in beautiful Paducah, KY. We're nestled in McCracken County, conveniently situated near popular landmarks that make us easy to find. Whether you're coming from the bustling downtown area or nearby residential neighborhoods, our branch is designed with your convenience in mind. Our location offers ample parking and features that ensure accessibility for everyone. With ADA-compliant entrances and ramps, we strive to make banking easy for all our members. Plus, if you prefer a quick visit without stepping inside, we have a drive-thru service available for deposits, withdrawals, and other simple transactions. C-plant's operating hours cater to your busy schedule: we're open from 9 AM to 5 PM Monday through Thursday and extend our hours until 5:30 PM on Fridays. Need assistance? Feel free to give us a call at 270-442-0789; our team is always ready to help! For those who prefer digital services, we provide ATM access right here at the branch. You can enjoy easy cash withdrawals and balance checks whenever you need them. Our personal banking services include checking and savings accounts, auto loans, mortgages, personal loans, and even credit cards with rewards. While members can visit us at 3201 Wayne Sullivan Dr, official correspondence should be sent to the same address as our mailing address is the same. So why wait? Come by C-plant today and discover how we can support your financial journey!

Member Eligibility

Joining the C-plant family is a warm invitation to become part of a community that truly cares about its members. At our branch located at 3201 Wayne Sullivan Dr, Paducah, KY 42003, we believe everyone deserves access to quality financial services. To become a member, you just need to meet a few simple eligibility criteria which include living, working, or worshiping in the local area, or being related to someone who is already a member. This ensures that our community remains strong and supportive. You can find more detailed information about eligibility on our website at C-plant Membership Eligibility. Once you know you're eligible, opening an account with us is easy! Just give us a call at 270-442-0789 or stop by during our operating hours, and we'll guide you through the process. Joining C-plant means gaining not just a financial partner but also access to personalized service and a range of products designed to help you achieve your goals. We can't wait to welcome you into our community!

Business Banking & Commercial Services

Merchant Services That Matter

In addition to loans, our merchant services are crafted to simplify transactions for your business. Imagine quickly processing payments from your customers without any hassle whether online or at your storefront. Our reliable services let you focus on what you do best: running your business. Visit us at 3201 Wayne Sullivan Dr Paducah Ky 42003 in Paducah, KY or call us at (270) 442-0789 to learn more about how we can help you thrive!

Tailored Loan Solutions

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.

Comprehensive List Of Services

Business Banking Services

For small business owners, we offer tailored solutions through our business banking services, including merchant services and business loans. We're committed to supporting local businesses in Paducah and surrounding areas by providing the financial tools necessary for growth.

Credit Cards with Benefits

Our credit cards with rewards not only help you manage your spending but also allow you to earn points for everyday purchases. It's an easy way to get more from your regular expenses while maintaining control over your budget.

Digital Banking Convenience

In today's fast-paced world, convenience is key. With our online and mobile banking platforms, managing your finances has never been easier. You can check balances, transfer funds, and pay bills from anywhere at any time. Plus, our ATM services allow for easy cash withdrawals right when you need it.

Drive-Thru and ATM Access

For those who prefer traditional banking methods, we offer basic drive-thru services for deposits and withdrawals during lobby hours: Monday through Thursday from 9 AM to 5 PM and Friday until 5:30 PM. If you're in a hurry or just need a quick balance check, our ATMs provide an accessible option without the wait. At C-plant, we're here to support all your financial needs with warmth and expertise. Whether you're looking to save, borrow, or invest wisely, don't hesitate to reach out at 270-442-0789 or visit us in person at our branch in Paducah. Explore how we can assist you today!

Home Financing Options

When it comes to finding the perfect home, we know financing can be daunting. That's where our mortgage loans and refinancing services come in. We make the process straightforward, helping you secure the best possible rates so you can focus on turning your house into a home.

Loans and Debt Management

Life can bring unexpected expenses. Our personal loans and debt consolidation options are here to ease that burden. Whether it's managing medical bills or consolidating credit card debt, we offer solutions that fit your financial situation.

Personal Banking Solutions

Whether you're looking to open a checking or savings account, our personal banking options are designed to fit your lifestyle. If you're planning for future expenses, consider our savings accounts that offer competitive rates. For those in need of quick cash or planning for a significant purchase, our auto loans and vehicle financing options provide flexible terms tailored just for you.

Digital & Online Banking

Key Services

Our online banking platform is user-friendly and packed with features to help you manage your money effortlessly. To get started, visit us at https://www.cplant.com/ . From checking balances to transferring funds, everything is at your fingertips. You can enjoy the convenience of electronic signature authorization for faster transactions, making it simple to complete important documents without needing to visit a branch. With e-statements available, you can easily keep track of your account activity without worrying about paper clutter. This feature not only helps you stay organized but also adds an extra layer of security by reducing the chances of sensitive information falling into the wrong hands. If you're always on the move, our mobile application is here to help. It's available for download, allowing you to manage your accounts directly from your smartphone. While we currently do not offer mobile payments or person-to-person transfers, our app still provides all the essential tools you need for effective account management.

Security and Support

Your security is our top priority. Our digital banking services utilize advanced security measures to protect your information and provide peace of mind as you conduct transactions online. You can rest easy knowing that we're committed to keeping your data safe. Whether you're checking your balance late at night or transferring money during lunch, C-plant makes banking accessible and straightforward. We're here to support you every step of the way in managing your financial life with confidence. Explore our digital banking options today!

Financial Strength

Commitment to Growth

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

Member Trust

Total Share Accounts: 36,220, showing a strong and growing member base that trusts us with their finances. The funds available for lending and investments stand at $0, further demonstrating our commitment to supporting your financial journey. 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 3201 Wayne Sullivan Dr Paducah Ky 42003 or call (270) 442-0789 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our efficient operations are reflected in our $0, 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.

Secure Savings Options

Members' savings are secured through $111,900,821 in share certificates, offering stable and rewarding financial growth opportunities. Although we currently do not have any money market shares, our focus remains on maximizing your savings potential. 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.

Strong 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 flexible terms and competitive interest rates, making it easier for you to drive away in your desired vehicle.

Credit Lines

For those who need additional financial flexibility, our credit lines amounting to $40,500,000 can help cover unexpected expenses or allow you to plan for future projects without the stress of high-interest rates.

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 aim to guide you through each step of the process so you can find a solution that fits your financial situation.

Refinancing Options

If you're considering refinancing any existing loans or mortgages, we have options available that could potentially lower your payments and save you money over time. Our team is ready to discuss eligibility requirements and help you find a solution that works for your unique situation. For more information about our loan products or to explore eligibility options, please don't hesitate to contact us at (270) 442-0789 during our operating hours from 9 am - 5 pm Monday through Thursday and until 5:30 pm on Fridays. At C-plant, we're committed to supporting our members' financial journeys with reliable loan options tailored just for you. Remember, all performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

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. This option provides the freedom to make purchases while keeping your budget intact.

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. With a focus on transparency and reliability, LendMesh ensures that users have access to accurate information when making important financial decisions. 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 commitment to accuracy means that users receive fair and transparent offers, empowering them to make informed choices about their loans. One of the standout features of LendMesh is its focus on Verified Data. Loan offers are sourced exclusively from legitimate financial institutions, ensuring that users can trust the information they receive. Additionally, LendMesh operates without Sponsored Listings; lenders are not prioritized based on paid promotions. Instead, the platform aims to provide unbiased results, allowing users to compare loan options fairly. LendMesh also offers Real-Time Rate Comparisons, providing up-to-date loan rates from multiple institutions. This feature helps users quickly identify the best deals available in the market. Thousands of users trust LendMesh for their loan comparisons. One satisfied member shared, "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" For anyone looking to navigate the complex world of loans efficiently, LendMesh stands as a reliable tool designed to simplify your search. 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