Crane Credit Union Spencer IN | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Crane, your trusted financial partner located at 279 E Morgan St, Spencer, IN 47460. Since our establishment in 1955, we have been dedicated to serving our community with a focus on building relationships and providing reliable financial solutions. With a total membership of 68,143, we take pride in being a part of so many lives and helping our members achieve their financial goals. At Crane, we manage over $1.05 billion in assets, ensuring that your deposits totaling around $79,365,773 are secure and working for you. We understand that each member's needs are unique; that's why we offer a variety of services ranging from personal banking to business loans, all designed to help you thrive financially. Our total loan portfolio includes 33,490 loans and leases, reflecting our commitment to supporting both individual and business aspirations. With a solid net worth of $133,793,233 and cash in hand amounting to $7,775,005, we are well-positioned to provide you with the resources you need. Led by our CEO, Kevin Sparks, and Board President Gary Gray, Jr., our dedicated team of 205 employees is here to assist you every step of the way. While members can visit us at our Spencer branch for all their banking needs, official correspondence should be sent to the same address: 279 E Morgan St, Spencer, IN 47460. We invite you to explore what Crane has to offer by visiting our website at cranecu.org or giving us a call at 812-863-7000. Whether you're looking for checking accounts, auto loans, or mortgage refinancing options, we're here to help you navigate your financial journey with confidence. Join us today and experience the difference at Crane!

Branch History & Mission

Community Commitment

We take pride in being more than just a credit union; we are an integral part of the Spencer community. Through partnerships and outreach programs, we strive to uplift those around us. Our drive-thru service offers convenience for quick transactions while our shared service center ensures that members from partner credit unions can access essential banking services seamlessly. With digital advancements such as online banking and mobile payments readily available, we're committed to staying up-to-date with the latest technology while remaining ADA compliant to serve everyone effectively.

Join Us!

If you're looking for a place where your financial needs matter and your voice is heard, Crane is here for you. We invite you to join us today and experience the benefits of being part of a community-focused credit union. Together, let's build a brighter financial future! For more information about becoming a member or opening an account with us, visit Crane's website. You can also reach us at (812) 863-7000 during our operating hours: Monday through Thursday from 9:00 AM to 4:00 PM and Friday from 9:00 AM to 6:00 PM; Saturday from 9:00 AM to Noon.

Our Journey

From humble beginnings, Crane has evolved into a trusted financial institution. We have embraced changes and challenges along the way, all while keeping our focus on what truly matters our members. Our headquarters in Odon serves as the backbone of our operations, ensuring that we maintain strong ties to the communities we serve. We understand that financial needs are diverse. That's why we've expanded our services to include personal banking options like checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and business banking solutions. Our reach extends beyond traditional banking; we also provide online and mobile banking for your convenience.

Our Mission

Our mission at Crane is simple yet impactful: to empower our members through accessible financial services while fostering a sense of community support. We believe in not just providing financial products but also in making a positive difference in people's lives. Whether it's offering competitive loan rates or engaging in community outreach initiatives, our goal is to help you achieve your financial dreams. For any official correspondence, please use our mailing address at 279 E Morgan St, Spencer, IN 47460.

Branch Location & Accessibility

Contact Us

Have questions? Don't hesitate to reach out! You can give us a call at (812) 863-7000 for any inquiries. We look forward to welcoming you at Crane Credit Union in Spencer your trusted partner in all things finance!

Nearby Landmarks and Accessibility

Situated near local favorites, our Spencer branch is just a stone's throw away from the Owen County Courthouse, making it easy to pop in while you're running errands. We have ample parking available right outside the branch for your convenience. Plus, our facility is ADA compliant, ensuring that everyone can access our services comfortably.

Operating Hours

We know how busy life can get. That's why we're open Monday through Thursday from 9 AM to 4 PM and Friday until 6 PM. For your weekend banking needs, visit us on Saturday from 9 AM to noon. If you're in need of quick cash or want to perform simple transactions without stepping inside, our drive-thru service is available too!

Services Offered

At Crane Credit Union's Spencer branch, we offer a variety of services tailored to meet your financial needs. From personal banking solutions like checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. Additionally, if you're a member of another participating credit union, take advantage of our shared services for deposits and withdrawals. While members can visit us at 279 E Morgan St Spencer In 47460, official correspondence should be sent to the same address for consistency.

Member Eligibility

At Crane, we believe that everyone deserves access to financial services that truly support their needs. Becoming a member is as simple as meeting a few friendly criteria. If you live, work, or worship in the area, you're likely eligible! We welcome individuals from various backgrounds and situations, making it easy for you to join our community. Plus, membership at Crane comes with benefits like personalized service, competitive rates, and a range of financial products designed just for you. To get started on your membership journey, visit us at our branch located at 279 E Morgan St Spencer In 47460 or give us a call at (812) 863-7000. You can also check out all the eligibility details on our website at http://www.cranecu.org/become-a-member-landing/ for the most current information. We're excited to have you join us and take advantage of everything we offer!

Business Banking & Commercial Services

Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $593 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $184,172,336, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, we offer tailored merchant services that make it easy for you to accept payments, manage transactions, and enhance customer experiences. Picture a small café processing orders smoothly with a reliable payment system, allowing owners to focus on what they do best serving delicious food and drinks. For more information about how we can help your business thrive, visit us at 279 E Morgan St Spencer In 47460 in Spencer, IN or call us at (812) 863-7000. Together, let's build a brighter future for your business!

Comprehensive List Of Services

Additional Services

For those quick visits, our Basic Drive-Thru Banking allows for easy deposits and withdrawals without having to leave your car. If you're a member of a partner credit union, feel free to utilize our Basic Shared Branch Transactions for deposits and withdrawals too. At Crane, we strive to ensure all members have access to essential banking services while maintaining flexibility and ease of use. If you're ready to take the next step in managing your finances or if you have any questions about our offerings, don't hesitate to reach out! Call us at (812) 863-7000 or visit us online at Spencer. We're here for you every step of the way!

Business Solutions

For our business members, we offer robust Business Banking solutions including merchant services and business loans. Whether you're starting a new venture or expanding an existing one, we're here to support your business goals.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we provide Online & Mobile Banking services that let you manage your finances on-the-go. From checking balances to transferring funds, everything is just a tap away on your smartphone. We also offer access to ATMs for cash withdrawals and basic transactions whenever you need them.

Home Financing

When it comes to home ownership, we know that securing the right mortgage can be daunting. That's why our Mortgage Loans & Refinancing services are tailored to guide you through each step of the process. Our experienced team will work with you to find a solution that meets your needs, whether you're buying a new home or refinancing an existing loan.

Loans and Credit

Need extra cash for unexpected expenses? Our Personal Loans & Debt Consolidation options can help ease financial burdens by providing funds when you need them most. Plus, with our Credit Cards with Rewards, every purchase earns you points that can be redeemed for travel, merchandise, or even cash back!

Personal Banking

Whether you're opening your first checking account or looking to save for future goals, our Personal Banking services have you covered. We offer a variety of checking and savings accounts designed to fit your lifestyle. If you're considering purchasing a vehicle, our Auto Loans & Vehicle Financing options provide competitive rates and flexible terms to help you drive away in your dream car without the stress of high payments.

Digital & Online Banking

Key Services Available

You can get started by visiting our website at https://www.cranecu.org/ . With our 24/7 online banking services, you can check balances, pay bills, and transfer funds whenever it suits you. Need to send money to a friend? Our person-to-person transfer feature makes it simple and quick to share funds with just a few taps on your smartphone. For those who prefer mobile banking, our mobile application is user-friendly and packed with features. You can make mobile payments directly from your device, so you're always ready to make purchases without the hassle of carrying cash or cards. Plus, we offer electronic signature authorization, making it easy for you to sign documents securely from anywhere.

Stay Informed and Secure

With e-statements available, you'll receive your account statements electronically, reducing paper clutter while keeping everything organized. This way, you can access your financial information easily and securely. At Crane, we prioritize your security in every transaction. Our systems are designed to protect your personal information while providing a smooth banking experience. You can enjoy peace of mind knowing that your data is safe with us. Join us today at Crane and experience the convenience of our digital and online banking services!

Financial Strength

Commitment to Growth

With $124,364,199 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 $10,384 in used auto loans and $773,672,609 in total loans and leases.

Growing Member Base

Total Share and Deposit Accounts: 133,404, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $3,459,718 further showcases our commitment to helping our members achieve their financial aspirations. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Crane is your trusted partner. Visit us at 279 E Morgan St Spencer In 47460 or call (812) 863-7000 to learn more about how we can help you achieve your financial goals. *Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.*

Member-Centric Savings

Members' savings are secured through $195,557,516 in share certificates and $50,377,581 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $11,685,527, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

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 182 full-time employees and 23 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Solid Financial Position

With a net worth of $133,793,233, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,258 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 $160,289,362 in used vehicle loans and $63,238,884 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive interest rates to make your car-buying experience straightforward and affordable.

Business Loans

For business owners, our outstanding commercial loans totaling $184,172,336 provide the capital needed to grow and expand your business operations. We work closely with local entrepreneurs to understand their unique needs and deliver tailored financing solutions. At Crane, we believe in making financial services accessible and straightforward. If you're interested in exploring our loan offerings or checking eligibility options, visit us at our branch or check out our website at https://www.cranecu.org/. 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 us help you take the next step toward achieving your financial aspirations!

Credit Options

For those needing quick access to funds, we also provide flexible unsecured credit card loans. With a total of $13,021,872 in loans helping members manage their finances effectively, our credit cards come with rewards and benefits designed to suit your lifestyle.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $22,668,720, make buying or refinancing simple. We offer various plans that can fit different budgets and situations. Plus, refinancing options are available for those looking to reduce their monthly payments or tap into their home equity.

Loan Aggregator

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Ensuring Accurate Comparisons

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 ensures that users receive fair and transparent offers. The platform prioritizes accuracy by regularly updating its information to reflect current market conditions.

CRANE CREDIT UNION