Deca Credit Union Cincinnati OH | Best Auto Loans & Business Banking

Introduction

Welcome to Deca Credit Union, your trusted partner in financial success since 1958! Located at 3118 Colerain Ave, Cincinnati, OH 45225, we are proud to serve a growing community of over 1,600 members. Our mission is simple: to provide personalized banking solutions that meet the unique needs of our members. At Deca, we understand that your financial journey is important. With total assets exceeding $7 million and deposits totaling $368,406, our strong foundation allows us to offer a variety of services tailored just for you. Whether you're looking for personal banking options like checking and savings accounts, or financing for your next vehicle or home, we're here to help. Our dedicated team, led by CEO Patricia Luken and Board President Brandon Guthier, is committed to fostering a supportive environment where every member feels valued. With only two employees on hand, we ensure that our service remains intimate and responsive. While members can visit us at our branch location, official correspondence should be sent to the same address: 3118 Colerain Ave, Cincinnati, OH 45225-1312. As we continue to grow with our community, we're proud of our achievements over 281 loans and leases issued and a net worth of $1,245,886. We invite you to explore how Deca Credit Union can assist you in reaching your financial goals. Ready to take the next step? Call us at 513-541-2480 or visit our website at Deca Credit Union for more information on how we can support you today!

Branch History & Mission

Looking Ahead

As we look towards the future, Deca remains focused on innovation while ensuring we stay true to our roots. Although we currently do not offer ATM or drive-thru services, we are dedicated to enhancing our online and mobile banking capabilities so members can manage their finances conveniently from anywhere. Join us at Deca Credit Union and experience how we're committed not only to your financial success but also to enriching the Cincinnati community as a whole. Together, let's build a brighter future! For more information or assistance, feel free to call us at 513-541-2480.

Our Journey

Deca was founded with a simple yet powerful mission: to offer accessible financial services while fostering a sense of community and belonging. As we have evolved, we've remained committed to this mission, adapting to the changing needs of our members and embracing new opportunities. Today, with total assets amounting to $7,018,210, we have established ourselves as a cornerstone in the local economy. Our branch's history is marked by significant milestones that reflect our growth and commitment to member service. Over the years, we've expanded our offerings to include personal banking options such as checking and savings accounts, auto loans, mortgage loans, and credit cards with rewards. We also provide business banking services that help local entrepreneurs thrive.

Our Mission

At Deca Credit Union, we believe in empowering individuals and families through education and financial support. Our mission is not just about numbers; it's about enhancing lives. We strive to create an environment where every member feels valued and informed about their financial choices. Whether you need assistance with debt consolidation or are looking for vehicle financing solutions, our knowledgeable staff is here to guide you every step of the way. We take pride in being an active member of the Cincinnati community. From supporting local events to partnering with organizations that uplift those in need, we understand that our success is intertwined with the well-being of our neighbors. While members can visit us at 3118 Colerain Ave for all their banking needs during our operating hours from Monday to Friday between 8:00 AM and 6:00 PM, official correspondence should be sent to our mailing address at 3118 Colerain Ave, Cincinnati, OH 45225-1312.

Branch Location & Accessibility

Welcome to Deca, your friendly neighborhood credit union located at 3118 Colerain Ave in Cincinnati, OH. Our branch is nestled in the heart of Hamilton County, making it an easy stop for all your banking needs. Whether you're on your way to nearby landmarks like the Cincinnati Zoo or enjoying a day out at the parks, we're conveniently positioned to serve you. At Deca, we pride ourselves on accessibility. Our branch features ADA-compliant entrances and ample parking, ensuring that everyone can visit us with ease. While our lobby hours are from Monday to Friday, 8:00 AM to 6:00 PM, we're here for you when you need us most. For any official correspondence, please note that our mailing address is also 3118 Colerain Ave, Cincinnati, OH 45225-1312. Feel free to give us a call at 513-541-2480 if you have questions or need assistance before stopping by. Although we don't currently offer ATM services or drive-thru banking, our dedicated team is ready to assist you inside the branch with a wide range of services including personal banking options like checking and savings accounts, auto loans, and even mortgage refinancing. We look forward to welcoming you to Deca! Come visit us soon and see how we can help you achieve your financial goals.

Member Eligibility

At Deca, we believe that becoming a member is like joining a caring community where you can truly thrive. If you're looking to join us at our location on 3118 Colerain Ave Cincinnati Oh 45225, you'll be pleased to know that membership is open to anyone who lives, works, or worships in the area. This means that whether you're a long-time resident or just starting your journey here, you're welcome with open arms. Being part of our credit union comes with plenty of perks, including personalized service and competitive rates on loans and savings accounts. The process of becoming a member is straightforward and welcoming. Simply visit our website for more details about eligibility criteria and how to get started at . If you're ready to take the next step, check out the account opening information at . If you have any questions, don't hesitate to reach out to us at (513) 541-2480. We can't wait to help you embark on this exciting journey with us!

Business Banking & Commercial Services

Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. Although we currently do not have outstanding loans available, we strive to connect with entrepreneurs seeking funding opportunities for their ventures. Imagine a small café needing to expand its seating area or a tech startup looking for funds to launch its innovative app. Our member commercial loans could provide the boost they need, and while we haven't yet funded any commercial loans, our vision is clear: to empower businesses with the financial resources they require.

Merchant Services

In addition to loans, we offer merchant services designed to simplify everyday transactions. Think about it when you run a business, accepting payments efficiently can make all the difference. Our merchant services help streamline payment processes, ensuring your customers can pay easily whether they're using cards or digital wallets. By focusing on practical solutions, we aim to enhance your operations and customer satisfaction. If you're ready to explore how Deca can support your business dreams, give us a call at (513) 541-2480 or visit us during our operating hours from Monday to Friday, 8:00 am to 6:00 pm. Your success is our priority!

Comprehensive List Of Services

Credit Cards and Business Banking

To reward your everyday spending, we offer Credit Cards with Rewards that let you earn points for travel, shopping, and more. It's like getting paid back for using your card! For our business members, Deca provides tailored Business Banking solutions including Merchant Services and Business Loans. We know how vital it is for local businesses to thrive, so we're committed to offering services that support growth and success.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why Deca offers robust Online & Mobile Banking features that allow you to manage your accounts from anywhere at any time. Though we currently do not have ATM availability or drive-thru services, our online platforms make accessing your funds simple and secure.

Get Started Today

If you're ready to explore these services further or have any questions about how Deca can assist you in achieving your financial goals, don't hesitate to reach out! Call us at 513-541-2480 during our operating hours from Monday to Friday between 8:00 AM and 6:00 PM. We look forward to serving you!

Home Financing and Personal Loans

Homeownership is a significant milestone, and we're here to support you every step of the way with our Mortgage Loans & Refinancing services. Whether you're buying your first home or looking to refinance an existing mortgage for better rates, we've got the expertise to assist you. Additionally, if you're facing unexpected expenses or want to consolidate debt, our Personal Loans & Debt Consolidation options can provide relief and peace of mind. You can take control of your financial future with manageable payments that fit your budget.

Personal Banking Solutions

Starting with personal banking, we understand that managing finances can be challenging. That's why we offer Checking & Savings Accounts that help you keep your money organized while also earning interest. Imagine having easy access to your funds for daily expenses or saving for a special occasion. For those dreaming of owning a car, our Auto Loans & Vehicle Financing options make it easier than ever to hit the road. Picture driving off in your new vehicle without the stress of complicated financing terms. Our team is here to guide you through the process.

Digital & Online Banking

Easy Account Access

With our online banking services available at https://www.deca.com/ , you have the convenience of managing your finances right at your fingertips. You can check your balances, review transactions, and transfer funds between accounts with just a few clicks. While we currently don't offer features like electronic signatures or e-statements, rest assured that our commitment to security remains strong.

Real-Time Management

Keeping track of your finances is crucial, and with our user-friendly interface, you can easily monitor your account activity. Even though we don't provide mobile applications or mobile payments yet, our website is optimized for all devices, ensuring that you can access it from your smartphone or tablet without any hassle.

Safe Transactions

We prioritize your security when it comes to online banking. Although features like person-to-person transfers are not available right now, all transactions made through our platform are protected with advanced security measures. Your peace of mind is important to us. In summary, while Deca may not currently offer every digital feature out there, we strive to provide a reliable and safe banking experience that helps you manage your money effectively. For more information about our offerings and how to get started with online banking, visit us at https://www.deca.com/ . Your financial well-being is just a click away!

Financial Strength

Commitment to Growth

With $661,630 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 with $167 in used auto loans and $4,644,979 in total loans and leases.

Growing Member Base

We have a strong community trust with 3,024 total share accounts. This growing member base shows that more people are choosing Deca as their trusted financial partner. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Deca is your trusted partner. Visit us at 3118 Colerain Ave Cincinnati Oh 45225 or call (513) 541-2480 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our commitment to operational efficiency is reflected in our $82,091. This allows us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 1 full-time employees and 1 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Secure Member Savings

Members' savings are secured through $0 in share certificates and $0 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.

Strong Financial Health

With a net worth of $1,245,886, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,775 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

Additional Services

In addition to these loan products, Deca provides various personal banking services including checking and savings accounts, debt consolidation loans, and business banking solutions. Our goal is to support you every step of the way as you navigate your financial journey. For performance insights and financial data sourced from the National Credit Union Administration (NCUA) at https://www.ncua.gov , based on the latest results. If you're interested in learning more about how Deca can assist you with your financial needs or if you'd like to discuss your loan options further, don't hesitate to contact us!

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $2,932,234 in used vehicle loans and $1,352,827 in new vehicle loans already helping members get on the road. Whether you're interested in financing a new or used vehicle, our team is here to guide you through the process.

Mortgage Loans

Thinking about homeownership? While we currently do not have mortgage options available, we strive to keep our offerings flexible and responsive to member needs. If you're considering refinancing or looking for eligibility options in the future, stay connected with us for updates.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans. Although there are currently no outstanding unsecured credit card loans, our commitment remains strong in helping members manage their finances effectively through future offerings.

Loan Aggregator

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DECA CREDIT UNION - Cincinnati, OH