Credit Union of America Pratt KS | Affordable Vehicle Loans & Business Banking

Introduction

At Credit Union Of America, we believe in building strong financial foundations for our members and the community. Located at 120 W 2Nd St, Pratt, KS 67124, our branch has been serving the needs of local residents since 1935. With a proud history spanning over 88 years, we are dedicated to providing exceptional service and personalized financial solutions to our 99,347 members. As a member-focused credit union, we are committed to your financial well-being. Our total assets exceed an impressive $1.6 billion, with $97,223,579 in deposits and a net worth of $202,970,698. This robust financial standing allows us to offer competitive loans over 83,566 loans and leases to help you achieve your dreams, whether it's buying a car, purchasing a home, or consolidating debt. While members can visit us at our Pratt location for all their banking needs, official correspondence should be sent to the same address: 120 W 2nd St, Pratt, KS 67124-2643. Our friendly team is here to assist you during our operating hours: Monday to Friday from 9 AM to 5 PM for lobby services and 7:30 AM to 5 PM for drive-thru access. We also welcome you on Saturdays from 9 AM to noon. Under the leadership of CEO Frank Shoffner and Board President Richard Gilstrap, we strive to make every interaction meaningful and impactful. Whether through traditional banking services or modern online solutions like mobile payments and e-statements, we aim to meet your needs with care and efficiency. Join us today at Credit Union Of America in Pratt! Feel free to call us at (316) 265-3272 or visit our website at www.cuofamerica.com for more information on membership eligibility and account opening options. Let's work together towards a brighter financial future!

Branch History & Mission

Community Connections

We understand that being a credit union means more than just offering loans and accounts. It's about building relationships within the community. We actively engage in outreach efforts that support local initiatives, helping to strengthen Pratt as a vibrant place to live and work. As we look forward to the future, we invite you to join us on this journey. Experience the difference at Credit Union Of America today! Whether you need assistance with personal banking or want to explore business financing options, our dedicated team is ready to help you thrive. Feel free to reach out at (316) 265-3272 or visit us during our operating hours: Monday through Friday from 9 AM - 5 PM (Lobby) and 7:30 AM - 5 PM (Drive-thru), plus Saturday from 9 AM - 12 PM (Lobby & Drive-thru). Come see how Credit Union Of America can make a positive impact on your financial life!

Mission Statement

Our mission is simple yet impactful: to provide exceptional financial services while fostering a supportive community environment. We believe in empowering our members through education and personalized service. Whether you're looking to save for your future or finance your dream car, we're here to guide you every step of the way. While members can visit us at 120 W 2Nd St, official correspondence should be sent to 120 W 2nd St, Pratt, KS 67124-2643. We strive to create an accessible environment for all; thus, our branch is ADA compliant and offers both drive-thru banking and ATM access for added convenience.

Our Evolution

Since opening our doors, we have consistently prioritized the needs of our members. Our journey has been marked by key milestones that reflect our commitment to excellence and community service. With total assets now exceeding $1.6 billion, we are proud to offer a wide range of financial products including personal banking services, auto loans, mortgages, and business banking solutions. As we expanded our offerings, we also embraced digital advancements to enhance member experiences with features like online banking and mobile payments.

Branch Location & Accessibility

Convenient Access and Services

When you visit us, you'll find ample parking available right outside the door, making your trip as smooth as possible. Our branch is fully accessible, featuring ADA-compliant ramps for those who may need extra support. We pride ourselves on providing a range of services tailored to meet your financial needs. You can take advantage of our personal banking options like checking and savings accounts, auto loans, and credit cards with rewards. Plus, we offer business banking services if you're looking to grow your enterprise.

Operating Hours

Our friendly team is here to assist you during convenient hours: Monday through Friday from 7:30 AM to 5 PM for drive-thru service and from 9 AM to 5 PM for lobby access. We also welcome you on Saturdays from 9 AM until noon for both lobby and drive-thru services.

Stay Connected

For any inquiries or assistance, feel free to give us a call at 316-265-3272. We also have an ATM available on-site for quick cash withdrawals or balance checks anytime. While members can visit us at 120 W 2Nd St Pratt Ks 67124, official correspondence should be sent to our mailing address: 120 W 2nd St, Pratt, KS 67124-2643. We invite you to stop by our Credit Union Of America branch today! Our dedicated staff is ready to help you with all your banking needs. Whether you're opening a new account or seeking advice on loans, we're here for you every step of the way.

Member Eligibility

Joining the Credit Union Of America community is a wonderful way to access financial services that truly prioritize your needs. If you live, work, or worship in the Pratt area, or if you have a family member who is already a member, you're likely eligible for membership! This means you can enjoy benefits like personalized service and competitive rates on various products. It's as simple as reaching out to us! For detailed eligibility criteria, feel free to check out our resource at http://www.cuofamerica.com/learn-more/about-us/membership . Opening an account with us is straightforward and welcoming. Just visit us at our branch located at 120 W 2Nd St, Pratt, KS 67124, or give us a call at 316-265-3272 for any questions you might have about the process. We're here to help you every step of the way as you become part of our supportive family at Credit Union Of America! You can also find more information on how to open an account by visiting http://www.cuofamerica.com/open-and-apply .

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 $105 in commercial loans for our members, helping businesses scale and succeed. This means more capital for equipment, hiring staff, or even opening new locations. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. Imagine the possibilities: with the right funding, you can take that leap into a new market or invest in technology that boosts efficiency.

Merchant Services

In addition to loans, our merchant services simplify transactions for your business. Whether you're accepting payments online or in-store, we provide tools that ensure smooth operations. Picture a busy Saturday at your café: with our quick payment processing, you serve customers faster and keep them coming back. With an outstanding commercial loan portfolio of $33,142,250, we continue to drive economic growth by financing new and expanding businesses right here in Pratt, KS. Ready to take your business to the next level? Contact us today at (316) 265-3272 or visit us at 120 W 2Nd St Pratt Ks 67124.

Comprehensive List Of Services

ATM & Drive-Thru Services

Need quick access to cash? Enjoy our ATM services, which allow for easy withdrawals and balance checks without stepping into the branch. For those who prefer face-to-face interactions but are short on time, our drive-thru banking enables quick deposits and withdrawals from the comfort of your car.

Business Banking Services

If you're a business owner, we offer comprehensive business banking services, including merchant services and business loans. These tools are essential for managing cash flow and supporting growth in today's competitive market. Our dedicated team understands the challenges businesses face and is ready to assist you every step of the way.

Convenient Digital Banking

In today's fast-paced world, convenience is key. That's why Credit Union Of America offers robust online and mobile banking options. With features like easy fund transfers, bill pay, and account management at your fingertips, accessing your accounts has never been simpler. You can even make payments using your smartphone through our mobile payment options.

Get Started Today!

We invite you to visit us at 120 W 2Nd St Pratt Ks 67124 or call us at (316) 265-3272 to learn more about how we can assist you with all your financial needs. At Credit Union Of America, we're committed to helping you achieve your financial goals with ease and confidence. Explore all our offerings today and see how we can support you on your financial journey!

Personal Banking Solutions

Our personal banking services are designed with you in mind. From checking and savings accounts to help you manage your daily expenses, to auto loans and vehicle financing for that new car you've been eyeing, we have you covered. If you're considering buying a home or refinancing your existing mortgage, our mortgage loans offer competitive rates and flexible terms tailored to your budget. For those unexpected expenses, our personal loans and debt consolidation options can provide the relief you need. Plus, with our credit cards that offer rewards, you can earn points on your everyday purchases while enjoying the convenience of cashless transactions.

Digital & Online Banking

Accessibility & Convenience

In today's fast-paced world, we believe that convenience should never compromise security. Our digital banking tools are designed to empower you with real-time account management while keeping your information protected. With everything available at your fingertips, managing your finances has never been easier. Explore all these fantastic features and more by visiting us online at https://www.cuofamerica.com/ . At Credit Union Of America, we're dedicated to making banking work for you!

Key Features

With our 24/7 online banking services, you can check your account balance, pay bills, and transfer money whenever it suits you. Our mobile application makes it even easier, allowing you to manage your finances right from your smartphone. Plus, with features like person-to-person transfers, sending money to friends and family is quick and hassle-free. Security is a top priority for us. We offer electronic signature authorization, ensuring that your transactions are safe and verified. You can also opt for e-statements, which not only help the environment but also keep your financial information organized and accessible. Are you a fan of mobile payments? You'll love our mobile payments feature, which lets you make purchases quickly using just your phone. This means less fumbling for cash or cards when you're out and about.

Financial Strength

Commitment to Growth

With $182,053,085 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 $34,021 in used auto loans and a total of $1,353,118,022 in loans and leases.

Growing Membership Trust

The strength of our credit union is evident in the number of relationships we've built boasting a total of 209,599 share accounts shows a strong and growing member base that trusts us with their finances. Our net shares amount to $9,314,243, which further enhances our ability to lend and invest effectively. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Credit Union Of America is your trusted partner. Visit us at 120 W 2Nd St Pratt Ks 67124 or call (316) 265-3272 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

Your savings are secured through $576,629,062 in share certificates and $296,743,170 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 impressive $9,544,407 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. Additionally, we take pride in having 286 full-time employees and 20 part-time employees. This dedicated team ensures our branches are always ready to serve you with knowledgeable support.

Solid Financial Foundation

With a net worth of $202,970,698, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,263 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. We currently have over $580,376,979 in used vehicle loans and $108,645,820 in new vehicle loans already helping members get on the road. Whether you're eyeing a brand-new model or a reliable pre-owned vehicle, we have flexible financing options tailored to your needs.

Business Loans

For business owners, our outstanding commercial loans totaling $33,142,250 provide the capital needed to grow and expand your operations. We understand the unique challenges businesses face and are here to support your journey toward success. At Credit Union Of America located at 120 W 2Nd St Pratt KS 67124, we're committed to providing personalized service and competitive rates to all our members. If you're interested in exploring refinancing options or learning more about our loan offerings, don't hesitate to contact us at (316) 265-3272. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Visit us online at Credit Union Of America for more information about our services and how we can assist you today!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $76,633,815. Our dedicated team will guide you through the mortgage process and help you understand your eligibility for refinancing options.

Unsecured Credit Cards

Managing everyday expenses can be easier with our unsecured credit card loans. We offer flexible terms on these loans, with a total of $65,065,007 helping members manage their finances effectively. Enjoy the convenience of having access to funds when you need them most.

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 the increasing number of lending options available, having a reliable tool like LendMesh can make a significant difference in your decision-making process. LendMesh ensures 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 guarantees that the offers you see are fair and transparent, allowing you to make informed choices without any hidden surprises. One of the key benefits of using LendMesh is its commitment to verified data. All loan offers come from legitimate financial institutions, ensuring transparency at every step. Moreover, there are no sponsored listings on LendMesh; lenders are not prioritized based on paid promotions. Instead, the platform focuses solely on providing unbiased results that reflect the true market. Another advantage is real-time rate comparisons. LendMesh regularly updates its loan rates from multiple institutions, which helps users stay current with the most competitive offers available. This timely information is essential for making sound financial decisions. 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!" This kind of feedback underscores the value that LendMesh brings to borrowers seeking better rates. 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.*

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