Crossroads Financial Credit Union Dunkirk IN | Best Auto Loans & Mortgage Rates

Introduction

Welcome to Crossroads Financial, your trusted partner in banking located at 18919 N State Road 167N, Dunkirk, IN 47336. Established in 1950, we have proudly served our community for over seven decades, fostering strong relationships with our 8,978 members. At Crossroads Financial, we believe in putting our members first, providing personalized financial services tailored to meet your needs. With total assets of $88,976,169 and deposits amounting to $3,937,684, we are committed to ensuring your financial success. Our dedicated team of 26 employees, led by CEO Donald Gillespie and Board President Joday Auker, strives to create a welcoming environment where you can feel confident in your financial decisions. Whether you're looking for auto loans having issued a total of 3,242 loans and leases or exploring savings accounts that help grow your wealth, we have the resources you need. While members can visit us at our branch address for assistance, any official correspondence should be sent to our mailing address: 18919 N State Road 167N, Dunkirk, IN 47336-9144. At Crossroads Financial, our commitment goes beyond banking; we are dedicated to making a positive impact in our community. With a net worth of $11,608,203 and cash reserves totaling $1,405,441, we are well-equipped to support both individual and business banking needs. From personal loans and credit cards with rewards to business loans and merchant services, we have options that cater to everyone. We invite you to explore what we offer by visiting our website at Crossroads Financial or calling us at 765-768-6554. Join us today and discover how Crossroads Financial can help pave the way toward achieving your financial goals!

Branch History & Mission

Community Commitment

Crossroads Financial thrives on strong community ties. We actively participate in local events and partner with organizations that share our values of service and support. Our team is committed to ensuring that every member feels valued and heard. As we look towards the future, we remain focused on providing excellent service while adapting to the evolving needs of those we serve. We invite you to become part of our family at Crossroads Financial. Join us today and experience firsthand how we can help you reach your financial goals while contributing positively to the Dunkirk community. For inquiries or assistance, feel free to contact us at (765) 768-6554 or visit us online at Crossroads Financial. Together, let's create a brighter financial future!

Our Mission

Our mission is simple yet profound: to empower our members through accessible financial services while fostering community growth and development. We believe that everyone deserves a chance to achieve their financial dreams. At Crossroads Financial, we are dedicated not only to helping individuals manage their money but also to supporting local initiatives that enhance the quality of life in Dunkirk. We understand that modern banking requires more than just traditional services. That's why we offer online and mobile banking options, ensuring that you can manage your finances anytime and anywhere. We also provide ATM access and drive-thru banking for added convenience. While members can visit us at our branch for personal service during our operating hours Monday to Thursday from 8:30 AM to 4:30 PM, Friday from 8:00 AM to 5:00 PM, and Saturday from 8:30 AM to 12:00 PM official correspondence should be sent to our mailing address at 18919 N State Road 167N, Dunkirk, IN 47336-9144.

Branch Location & Accessibility

Easy Access for Everyone

Our Dunkirk location is equipped with ADA-compliant features to ensure everyone can access our services comfortably. Parking is plentiful, so you won't have to worry about finding a spot when you visit us. For those on the go, we also offer drive-thru banking for quick deposits or withdrawals without leaving your vehicle.

Flexible Hours Just for You

At Crossroads Financial, we want to make banking as easy as possible. Our lobby hours are Monday through Thursday from 8:30 AM to 4:30 PM, Friday from 8:00 AM to 5:00 PM, and Saturday from 8:30 AM to 12:00 PM. Whether you're looking to open an account or discuss loan options, our friendly staff is here during these hours to assist you.

Services Tailored to Your Needs

We pride ourselves on providing a variety of financial services tailored just for you. From personal checking and savings accounts to auto loans and mortgage refinancing, our offerings are designed to help you manage your finances effectively. Plus, with ATM availability on-site and basic drive-thru banking options, accessing your funds has never been easier. While members can visit us at 18919 N State Road 167N Dunkirk In 47336, official correspondence should be sent to 18919 N State Road 167N, Dunkirk, IN 47336-9144 if it's different from our branch address. If you have any questions or would like more information about becoming a member, feel free to call us at (765) 768-6554. We look forward to welcoming you soon!

Member Eligibility

Joining Crossroads Financial is like stepping into a community where your financial well-being is our priority. Becoming a member is simple and open to anyone who lives, works, worships, or attends school in the Dunkirk area, as well as their family members. This inclusive approach means that whether you're looking for checking accounts, auto loans, or simply a place to grow your savings, you'll find a welcoming home here at Crossroads Financial. The benefits of membership extend beyond just financial services; you'll gain access to personalized support and resources tailored to help you thrive. If you're ready to take the next step, opening an account is straightforward. You can start the process online or visit us at our branch located at 18919 N State Road 167N Dunkirk In 47336. For more details about eligibility requirements, feel free to check out our website at http://www.crossroadsfcu.org/about-us/become-a-member . If you have any questions, don't hesitate to give us a call at (765) 768-6554. We're excited to welcome you into our community!

Business Banking & Commercial Services

Business Loans that Make a Difference

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $148 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $10,603,483, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services for Everyday Needs

Imagine being able to accept payments quickly and efficiently, allowing you to focus on what truly matters growing your business. Our merchant services provide the tools you need for smooth transactions, making it easier for your customers to pay with various methods. Whether you're running a retail shop or a service-based business, our solutions help streamline your operations. For more information about how our business banking and commercial services can support your journey, visit us at 18919 N State Road 167N Dunkirk In 47336 or call us at (765) 768-6554. Let's work together to take your business to the next level!

Comprehensive List Of Services

Business Banking Solutions

If you're a business owner, you'll appreciate our comprehensive business banking services. From merchant services that facilitate easy payments to business loans designed for growth and stability, we're here to back your venture every step of the way.

Convenient Online and Mobile Banking

In today's fast-paced world, convenience is key. With our online and mobile banking services, managing your finances is easier than ever. You can check balances, pay bills, transfer funds, and more all from the comfort of your home or on-the-go. Additionally, our ATM and cash withdrawal services give you access to your money whenever you need it.

Friendly In-Branch Support

For those who prefer face-to-face interaction, we offer basic drive-thru banking for deposits, withdrawals, and other simple transactions. Our friendly staff is always ready to assist you during lobby hours: Monday through Thursday from 8:30 AM - 4:30 PM, Friday from 8:00 AM - 5:00 PM, and Saturday from 8:30 AM - 12:00 PM. At Crossroads Financial in Dunkirk, we pride ourselves on being more than just a financial institution; we are a partner in your journey toward financial well-being. If you're ready to explore how our services can benefit you or if you have questions about opening an account or applying for a loan, don't hesitate to reach out! Give us a call at 765-768-6554, or visit us online at Crossroads Financial. We look forward to serving you!

Loans Tailored for You

We also recognize that life often requires financial assistance. Our auto loans and vehicle financing options ensure that getting behind the wheel of your dream car is within reach. If homeownership is on your mind, explore our mortgage loans and refinancing services. We aim to make the process as smooth as possible so you can focus on what matters most making memories in your new space. For those looking to consolidate debt or cover unexpected expenses, our personal loans can provide the support you need without unnecessary stress. Plus, our credit cards come with rewards that allow you to earn while you spend!

Personal Banking Services

When it comes to managing your money, having the right accounts can make all the difference. At Crossroads Financial, we offer personal banking services that include checking and savings accounts designed to fit your lifestyle. Whether you need a simple checking account for everyday transactions or a savings account to build your emergency fund, we have options that will work for you.

Digital & Online Banking

Accessibility & Ease-of-Use

Navigating your finances should be straightforward. That's why we've designed our digital banking services to be intuitive and easy to use for everyone. With real-time account management features at your fingertips, staying on top of your financial goals has never been simpler. Join us today at Crossroads Financial and discover how our digital banking services can enhance your financial journey!

Key Features

Keeping your information safe is our top priority. While we don't currently offer electronic signature authorization, our systems are built with robust security measures to protect your data. You'll also appreciate the convenience of e-statements, which allow you to view and manage your financial documents electronically no more paper clutter! If you're always on the move, our mobile application is perfect for you. With it, you can bank right from your smartphone or tablet anytime, anywhere. While mobile payments aren't available yet, rest assured that our app provides a user-friendly experience for checking balances and making transactions.

Financial Strength

Growing Membership Trust

Total Share Accounts stand at 17,620, showcasing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Crossroads Financial is your trusted partner. Visit us at 18919 N State Road 167N Dunkirk IN 47336 or call 765-768-6554 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

Members' savings are secured through $5,629,565 in share certificates and $4,268,006 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 operational efficiency is reflected in our net income of $0, which allows us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 19 full-time employees and 7 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team.

Reinvestment for Growth

With $11,176,426 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 $10,561,156 in used auto loans and a total of $41,960,510 in loans and leases.

Solid Foundation

With a net worth of $11,608,203, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 13.04% 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 $12,656,156 in used vehicle loans and $1,395,117 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new model or a reliable used vehicle, we have flexible terms that suit your needs.

Business Financing

For business owners, our outstanding commercial loans totaling $10,603,483 provide the capital needed to grow and expand. Whether it's for purchasing equipment or managing operational costs, our business loan solutions are designed with your success in mind. At Crossroads Financial, we're not just about lending; we're here to build relationships and support your journey toward financial security. To learn more about our loan offerings or if you're ready to apply today, please call us at 765-768-6554 or visit us online at Crossroads Financial. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results. We look forward to helping you navigate your financial path!

Credit Lines and Personal Loans

For those looking for financial flexibility, we provide total credit lines amounting to $4,830,000. This can be an excellent resource for managing larger purchases or unexpected expenses. Additionally, our unsecured credit card loans total $690,752, offering competitive terms to help you manage everyday finances effectively.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $7,691,356, allowing you to invest in your future without unnecessary stress. If you're considering refinancing your existing mortgage, our team can guide you through eligibility options to ensure you find the best fit for your situation.

Loan Aggregator

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 adherence to established guidelines guarantees fair and transparent offers. By collaborating with reputable financial institutions, LendMesh is able to provide verified data that users can trust.

Key Benefits of Using LendMesh

LendMesh offers several advantages that help build trust among users: - Verified Data: All loan offers are sourced from legitimate financial institutions, ensuring transparency in the comparison process. - No Sponsored Listings: Unlike other platforms, LendMesh does not prioritize lenders based on paid promotions. The goal is to present unbiased results so users can make informed choices. - Real-Time Rate Comparisons: Users have access to up-to-date loan rates from multiple institutions, enabling them to find the most competitive options available. 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!" This kind of feedback highlights the effectiveness of LendMesh as a reliable resource for navigating the complex world of loans. To explore your options and compare real-time loan offers today, visit 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.

CROSSROADS FINANCIAL FEDERAL CREDIT UNION - Dunkirk, IN