Decatur Earthmover Credit Union IL | Easy Drive-Thru & ATM Access

Introduction

Welcome to Decatur Earthmover, your trusted credit union located at 550 N Edward St, Decatur, IL 62522. Established in 1956, we have proudly served our community for over six decades, building lasting relationships with our members. With a total membership of 21,278 and assets exceeding $292,870,039, we are committed to providing financial services that truly meet the needs of our community. At Decatur Earthmover, we understand the importance of reliable banking services. That's why we offer a range of products designed to help you manage your finances effectively. Whether you're looking for loans, deposits, or simply need access to your funds, we're here for you. Our dedicated team of 106 employees is led by our CEO, Barry Schmidt, and Board President, John Kraft, who both share a passion for supporting our members' financial well-being. While members can visit us at our branch location, official correspondence should be sent to our mailing address: 260 W Marion Ave, Forsyth, IL 62535. You can reach us anytime at (217) 428-0955, and we're open Monday through Friday from 8:00 AM to 5:30 PM and Saturday from 8:00 AM to 12:00 PM. With total loans amounting to 120,407 and deposits of $12,312,828, we take pride in being a pillar of financial strength in Decatur. Our cash reserves stand at $5,381,533, ensuring that we can support you when you need it most. Join us today and experience the Decatur Earthmover difference! Visit our website at www.decu.com or call us to learn more about how we can help you achieve your financial goals. Together, let's build a stronger financial future!

Branch History & Mission

Community Focus

Our commitment extends beyond just financial services; we actively engage in community outreach programs that strengthen ties with local organizations and initiatives. From educational workshops to charitable contributions, we strive to make a positive impact in Decatur and its surrounding areas. As technology advances, so do we. Our digital banking tools ensure that members can manage their finances anytime and anywhere while adhering to ADA compliance standards for accessibility.

Join Us

If you're looking for a credit union that prioritizes your needs while making a difference in the community, look no further than Decatur Earthmover. Experience the benefits of membership today by visiting us or calling 217-428-0955. Together, let's build a brighter financial future!

Our Journey

Since our opening in 1956, Decatur Earthmover has been committed to providing exceptional financial services tailored to meet the needs of our members. Over the years, we have achieved significant milestones, including expanding our services and enhancing our offerings to ensure we remain responsive to the evolving needs of our community. Today, with total assets exceeding $292 million, we take pride in being a cornerstone of financial stability for individuals and families in Decatur.

Our Mission

At Decatur Earthmover, our mission is simple yet profound: to empower our members through financial education and support while fostering a strong sense of community. We aim to provide accessible banking solutions that help our members achieve their financial goals. Whether it's through auto loans, savings accounts, or personalized financial advice, we are dedicated to building lasting relationships that enrich lives. While members can visit us at 550 N Edward St, official correspondence should be sent to 260 W Marion Ave, Forsyth, IL 62535. Our operating hours are designed for your convenience: Monday through Friday from 8:00 AM to 5:30 PM and Saturday from 8:00 AM to 12:00 PM. We also offer drive-thru banking and ATM services for quick transactions.

Branch Location & Accessibility

Operating Hours

We know your time is valuable. That's why our lobby is open Monday through Friday from 8:00 AM to 5:30 PM and on Saturdays from 8:00 AM to 12:00 PM. These hours are designed to fit around your busy schedule.

Parking and Accessibility

When you visit us, you'll find ample parking available right outside our doors. We ensure that our facilities are accessible for everyone with features like ADA-compliant ramps, so all members can enjoy a smooth banking experience.

Services Offered

At Decatur Earthmover, we offer a range of services to meet your banking needs. You can easily access our ATM for quick withdrawals and balance checks. If you prefer a personal touch, our drive-thru service is available for simple transactions like deposits and withdrawals without leaving your vehicle. If you have any questions or need assistance, feel free to give us a call at 217-428-0955. Our friendly staff is eager to help you with all your banking needs. We look forward to welcoming you soon!

Member Eligibility

At Decatur Earthmover, becoming a member means joining a close-knit community where your financial needs are genuinely understood and prioritized. If you live, work, or worship in the local area, you're likely eligible to join us! We welcome individuals from all walks of life, and our membership is designed to be inclusive and supportive. For those who want to explore the specifics, we encourage you to check out our eligibility criteria. Joining us opens up a world of benefits, including personalized service and competitive rates that can help you achieve your financial goals. Getting started is simple! You can easily open an account at Decatur Earthmover by visiting us at our welcoming location at 550 N Edward St Decatur Il 62522. Our friendly team is here to assist you every step of the way. Have questions? Feel free to give us a call at (217) 428-0955. We're excited to have you as part of our family!

Business Banking & Commercial Services

Financing Solutions

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

Imagine being able to accept payments quickly and efficiently. Our merchant services allow businesses to process transactions seamlessly, whether in-store or online. This means happier customers and smoother operations, letting you focus on what you do best running your business. Located at 550 N Edward St Decatur Il 62522 in Decatur, IL, we invite you to explore how our tailored services can help your business thrive. Contact us at (217) 428-0955 for more information or visit our website at http://www.decu.com.

Comprehensive List Of Services

A Commitment to Digital Access

In addition to traditional banking options, we understand the importance of digital access. Our online banking platform enables you to manage your accounts from the comfort of home. Whether you want to pay bills, transfer money, or review transactions, it's all just a click away. This feature is especially beneficial when life gets busy or when you're traveling. At Decatur Earthmover, we strive to provide services that meet the needs of every member. Our commitment goes beyond just offering financial products; we're here to build relationships within our community. For any questions about our services or how we can assist you further, feel free to reach out at 217-428-0955. We invite you to visit us at our branch or explore our website at http://www.decu.com. Join us today and experience a banking relationship built on trust and convenience!

Drive-Thru Banking for Simple Transactions

For those who prefer a more personal touch without leaving their vehicle, our basic drive-thru banking service is perfect for quick deposits, withdrawals, and simple transactions. Picture this: You're on your way to work but need to deposit a check; simply pull up to our drive-thru, and you're done in minutes! We aim to make banking as hassle-free as possible.

Everyday Banking Made Easy

In today's busy world, convenience is key. That's why we offer ATM services that allow you to access your funds easily and securely. With basic ATM access, you can handle essential tasks like making withdrawals and checking your balance anytime during the day. Imagine being able to quickly grab cash before heading out for groceries or checking your account balance while on the go our ATMs make that possible.

Digital & Online Banking

Key Features

One standout feature is our electronic signature authorization, allowing you to handle transactions securely without the hassle of paperwork. Plus, with e-statements available, you can say goodbye to cluttered mailboxes and stay organized with digital statements delivered right to your inbox. For those who prefer mobile banking, our dedicated mobile application is here for you. You can manage your accounts right from your smartphone whether it's checking balances or making person-to-person transfers with just a few taps.

Security and Ease-of-Use

We prioritize your security while ensuring a smooth experience. Our platform incorporates advanced security measures to protect your information. Managing your accounts has never been easier or safer. Whether you're paying bills or transferring money to friends, our services are designed with you in mind. Join us at Decatur Earthmover and take advantage of our digital banking offerings today!

Financial Strength

Commitment to Growth

With $33,755,731 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our robust lending capacity is reflected in our $81,736 in used auto loans and $158,118,544 in total loans and leases, supporting members' financial goals across various sectors.

Growing Member Trust

Total Share and Deposit Accounts: 37,631, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $231,841. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Decatur Earthmover is your trusted partner. Visit us at 550 N Edward St Decatur Il 62522 or call (217) 428-0955 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our $37,107 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 99 full-time employees and 7 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Secure Savings Options

Members' savings are secured through $20,903,495 in share certificates and $14,204,323 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 $34,850,245, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 11.90% 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 $79,264,149 in used vehicle loans and $32,090,529 in new vehicle loans already helping members get on the road. Whether you're considering a brand-new model or a reliable used car, our flexible terms can make your purchase easier and more affordable.

Credit Lines

If you need ongoing access to funds for various needs, our credit lines are an excellent option. With $41,381,986 available for our members, you can rest assured knowing that extra cash is just a call away when unexpected expenses arise. We also provide refinancing options across many of our products. If you're interested in lowering your monthly payments or consolidating debt, talk to one of our knowledgeable representatives about how refinancing could work for you. To learn more about any of these offerings or to see if you're eligible, feel free to contact us at (217) 428-0955. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At Decatur Earthmover, we're committed to helping you find the right loan product tailored to meet your unique needs. Let's work together towards achieving your financial dreams!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $3,455,576, make buying or refinancing simple. We offer competitive rates and personalized service to ensure that you find the right fit for your financial situation.

Unsecured Credit Card Loans

Managing expenses can be tricky, which is why we also offer flexible terms on unsecured credit card loans, with a total of $7,614,938 in loans helping members manage their finances effectively. These cards come with features designed to help you keep track of your spending while offering convenience for everyday purchases.

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 commitment ensures that users receive fair and transparent offers. By using verified data, LendMesh eliminates concerns about misinformation or hidden terms often found in traditional loan comparisons.

Key Benefits of Using LendMesh

- Verified Data: All loan offers are sourced from legitimate financial institutions, ensuring that you have access to accurate information. - No Sponsored Listings: Unlike many comparison tools, LendMesh does not prioritize lenders based on paid promotions. This dedication to impartiality means you get unbiased results. - Real-Time Rate Comparisons: With up-to-date loan rates from multiple institutions at your fingertips, you can confidently choose the best option for your needs. 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!" Such testimonials highlight how effective this tool can be in securing better financial outcomes. Ready to find the best rates? Compare real-time loan offers today at LendMesh and make an informed choice that fits your financial goals. *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.*

DECATUR EARTHMOVER CREDIT UNION - Decatur, IL

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