Crossroads Financial Credit Union Winchester IN | Affordable Auto Loans & Business Banking

Introduction

Welcome to Crossroads Financial in Winchester, Indiana! Located at 151 N Middle School Rd, our branch has proudly served the community since 1950, fostering a culture of trust and support for our members. With a strong commitment to improving the financial well-being of our nearly 8,978 members, we provide an array of services tailored to meet your needs from personal banking to business solutions. At Crossroads Financial, we're not just about numbers; we're about people. Our total assets amount to an impressive $88,976,169, and we maintain a solid net worth of $11,608,203. This financial strength allows us to offer competitive rates on loans and deposits, helping you achieve your dreams. We currently hold $3,937,684 in deposits and have facilitated over 3,242 loans and leases for our members. Our team is led by dedicated professionals like CEO Donald Gillespie and Board President Joday Auker, who are both deeply invested in the success of our community. With a full-time staff of 19 employees, we're here to ensure that you receive personalized service every time you walk through our doors or connect with us online. While members can visit us at our branch location in Winchester, official correspondence should be sent to our mailing address: 151 N Middle School RD, Winchester, IN 47394-8102. We invite you to explore our various offerings such as checking and savings accounts, auto loans, mortgage options, and much more! For any inquiries or assistance, feel free to reach out at 765-584-7200 or visit our website at Crossroads Financial. We look forward to helping you navigate your financial journey!

Branch History & Mission

Welcome to Crossroads Financial, a cornerstone of the Winchester community since 1950. Located at 151 N Middle School Rd, Winchester, IN 47394, our branch has proudly served our members for over seven decades. With a legacy built on trust and commitment, we have grown alongside our community, amassing a membership of nearly 9,000 individuals who rely on us for their financial needs. Our journey began with a mission to provide accessible and affordable financial services to all members. Over the years, we have expanded our offerings and enhanced our capabilities while maintaining our core values. Today, Crossroads Financial boasts total assets of $88,976,169 and continues to thrive as a vital resource for personal banking, auto loans, mortgages, credit cards, and business banking solutions. We strive to make banking easy and convenient by providing features like online banking and mobile access. At Crossroads Financial, we believe in not just serving our members but uplifting our community as well. Our mission is to empower individuals through comprehensive financial education and support. Whether it's helping families secure their first home or providing small businesses with the resources they need to grow, we are dedicated to making a positive impact in every life we touch. While members can visit us at 151 N Middle School Rd Winchester In 47394, official correspondence should be sent to 151 N Middle School RD, Winchester, IN 47394-8102. Our operating hours are designed for your convenience: Monday through Thursday from 8:30 AM to 5:00 PM, Friday from 8:00 AM to 5:00 PM, and Saturday from 8:30 AM to 12:00 PM. We also offer ATM services and drive-thru banking for quick transactions. As we look towards the future, Crossroads Financial remains committed to innovation while staying true to our roots. We prioritize ADA compliance and customer-centric initiatives that enhance your banking experience. Our partnerships with local organizations allow us to reach out further into the community and provide essential support. Join us today and experience the benefits of being part of something bigger than just a bank become part of a community-focused credit union that cares about you. Whether you're looking for personal finance advice or need assistance with loans, our dedicated team is here to help you navigate your financial journey with confidence. For more information or to become a member, visit us online at Crossroads Financial or call us at (765) 584-7200. Together, let's build a brighter financial future!

Branch Location & Accessibility

Accessibility Features

At Crossroads Financial, we believe banking should be accessible for everyone. Our location includes ADA-compliant features, ensuring that all members can navigate our branch comfortably. Ample parking is available right outside our doors, making your visit hassle-free.

Get in Touch

Ready to experience the convenience of Crossroads Financial? We invite you to stop by during our operating hours or give us a call at 765-584-7200 for any inquiries. Our friendly team is here to help you with all your banking needs!

Operating Hours

We know that life gets busy, which is why we offer flexible operating hours to serve you better. Our lobby is open from 8:00 AM to 5:00 PM Monday through Friday and from 8:30 AM to 12:00 PM on Saturdays. This means you can drop by before work or make a weekend visit without any stress.

Services Offered

Crossroads Financial offers a variety of services designed to meet your financial needs. From personal checking and savings accounts to auto loans and mortgages, we have you covered. Need cash? Our ATM is readily available for quick withdrawals and balance checks. Plus, our drive-thru service allows you to handle simple transactions without leaving your car. While members can visit us at 151 N Middle School Rd, official correspondence should be sent to our mailing address at 151 N Middle School RD, Winchester, IN 47394-8102 if different.

Member Eligibility

Becoming a member of Crossroads Financial is like joining a warm, welcoming family where your financial needs are truly understood. If you live, work, worship, or attend school in the areas we serve, you're likely eligible to join us! We believe in making banking accessible for everyone, so whether you're looking to save for the future or need a loan to get started on a new adventure, we've got you covered. To find out more about the specific eligibility criteria, feel free to check out our detailed page at http://www.crossroadsfcu.org/about-us/become-a-member. Opening an account with us is straightforward and inviting. You can start your journey by visiting our website for account opening details at https://bsdcapi.onlinecu.com/crossroadsfcu/loanapplications/crossroadsfcu%20hb%20index.html?docid=2 or give us a call at (765) 584-7200. We're here to help you every step of the way and can't wait to welcome you into our community at 151 N Middle School Rd Winchester In 47394!

Business Banking & Commercial Services

Merchant Services That Work for You

In addition to loans, we offer merchant services that simplify your daily operations. Imagine a seamless way to accept payments from customers whether they prefer credit cards, mobile payments, or online transactions. This convenience not only enhances customer satisfaction but also boosts your bottom line. Partnering with Crossroads Financial means you're not just getting a bank; you're gaining a dedicated ally in your business journey. Reach out today at (765) 584-7200 or visit us at 151 N Middle School Rd Winchester In 47394 to learn how we can help your business thrive!

Tailored Loan Options

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.

Comprehensive List Of Services

Business Banking

For our entrepreneur members, we provide robust business banking solutions including merchant services and business loans. Whether you're starting a new venture or expanding an existing one, we have resources to help your business thrive.

Convenient Access

We prioritize convenience with our ATM and cash withdrawal services, which allow you to access cash anytime. Plus, our basic drive-thru banking makes simple transactions like deposits and withdrawals quick and hassle-free. Our friendly staff is always ready to assist during lobby hours from Monday through Saturday.

Credit Cards

Looking for rewards as you spend? Our credit cards with rewards programs allow you to earn points on purchases, giving back as you manage your daily expenses. It's a great way to make your spending work for you!

Loans and Financing

When it comes to financing your dreams, we've got you covered. Our auto loans and vehicle financing options ensure you can get behind the wheel of that new car without breaking the bank. If homeownership is on your mind, our mortgage loans and refinancing services can help you secure the best rates available. Additionally, for those unexpected expenses or consolidating debt, our personal loans offer quick solutions to fit your budget.

Personal Banking

We understand how important it is for our members to manage their finances effectively. That's why we offer a variety of checking and savings accounts tailored for your lifestyle. Whether you need everyday banking or are saving for a specific goal, our accounts come with features designed to make managing your money easy and efficient. Imagine having the flexibility to access your funds through online and mobile banking, right from your phone or computer!

Stay Connected

In today's fast-paced world, staying connected is essential. With our comprehensive online and mobile banking features, you can easily check balances, transfer funds, and manage payments from anywhere at any time. At Crossroads Financial, located at 151 N Middle School Rd, we pride ourselves on being more than just a credit union; we're a community partner committed to helping our members succeed financially. If you have questions about any of our services or want to learn more about how we can help meet your financial goals, give us a call at 765-584-7200 or visit us online at crossroadsfcu.org. Join us today and discover how Crossroads Financial can support your financial journey!

Digital & Online Banking

On-the-Go Banking Made Easy

For those who prefer mobile banking, we've got you covered with a user-friendly mobile application available for download. Although mobile payments are not offered at this time, our app allows you to manage your accounts efficiently while you're out and about. In summary, Crossroads Financial is dedicated to providing modern banking solutions that enhance accessibility and ease-of-use for all members. With features like 24/7 online banking, e-statements, and person-to-person transfers, managing your finances has never been simpler or more secure.

Security You Can Trust

We prioritize your security. While we don't currently offer electronic signature authorization, our system employs robust security measures to protect your sensitive information. You can feel confident using our online services knowing that we take every precaution to safeguard your data.

Stay Organized with E-Statements

Say goodbye to paper clutter! At Crossroads Financial, we provide e-statements so you can easily access your account statements anytime and anywhere. This feature not only helps keep your records organized but also contributes to a greener environment by reducing paper waste.

Financial Strength

At Crossroads Financial, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are committed to maintaining robust financial health, ensuring that your savings and investments are in safe hands. 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. 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. 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 $10,530,000 in used auto loans and a total of $41,960,510 in loans and leases. Our operational efficiency is reflected in our $0 net income, enabling 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, committed team. 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 151 N Middle School Rd Winchester IN 47394 or call 765-584-7200 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.*

Loan Offering

Additional Services

In addition to these loan offerings, Crossroads Financial provides options for credit lines totaling $4,830,000, ensuring that you have access to funds when you need them. We also offer refinancing opportunities across various products to help you save on interest rates and lower monthly payments. Feel free to reach out to us at 765-584-7200 for more information about any of our loan products or visit us at our branch located at 151 N Middle School Rd, Winchester IN 47394. 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 navigate your financial goals today!

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 are purchasing a brand-new vehicle or a reliable pre-owned option, we have flexible terms that can fit into your budget.

Business Solutions

For business owners, our outstanding commercial loans totaling $10,603,483 provide the capital needed to grow and expand. We understand the challenges businesses face and aim to support you with tailored financing solutions.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $7,691,356, make buying or refinancing simple. Our team is here to assist you every step of the way to ensure you find a solution that fits your lifestyle.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $690,752 in loans helping members manage their finances effectively. These cards can be an excellent tool for everyday purchases and building your credit score.

Loan Aggregator

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CROSSROADS FINANCIAL FEDERAL CREDIT UNION - Winchester, IN

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