Decatur Earthmover Credit Union IL | Best Auto Loans & Business Banking

Introduction

Welcome to Decatur Earthmover, your trusted partner in financial success right here in the heart of Decatur, IL. Established in 1956, we have proudly served our community for over six decades, supporting 21,278 members with personalized banking solutions tailored to meet their unique needs. Our branch, located at 2600 Dividend Dr, Decatur, IL 62526, is dedicated to fostering a welcoming environment where every member feels valued and understood. At Decatur Earthmover, we understand that your financial goals matter. With a robust asset portfolio totaling $292,870,039 and deposits exceeding $12,312,828, we're committed to providing stability and security for our members' hard-earned money. Our total loans stand at 120,407, showing our dedication to helping you achieve your dreams whether that's financing a new car, buying a home, or starting a business. Led by our CEO Barry Schmidt and Board President John Kraft, our team of 106 employees is here to offer support and guidance every step of the way. We take pride in our strong community ties and strive to make a positive impact through various local initiatives. While members can visit us at our branch location for all their banking needs including personal accounts, auto loans, and online banking official correspondence should be sent to the same address: 2600 Dividend Dr, Decatur, IL 62526. If you're looking for a reliable credit union that prioritizes its members' best interests and offers competitive rates along with excellent service, look no further than Decatur Earthmover. Call us today at 217-875-2301 or visit our website at http://www.decu.com to learn more about how we can help you reach your financial goals!

Branch History & Mission

At Decatur Earthmover, we take pride in our rich legacy and commitment to the community. Established in 1956, our branch has grown alongside the city of Decatur, IL, serving its members with dedication and integrity. Located at 2600 Dividend Dr, we are conveniently situated to serve all your financial needs. Over the years, Decatur Earthmover has evolved significantly. We started as a small credit union focused on providing essential banking services to our local community. Today, we boast a total membership of over 21,000 individuals who trust us to manage assets totaling $292,870,039. This growth reflects our unwavering commitment to putting our members first. Our mission is simple yet profound: to empower our members through accessible financial services while fostering a sense of community. We offer a range of products including personal checking and savings accounts, auto loans, mortgage financing, and business banking solutions. We believe that financial success is built on strong relationships and support. Our dedicated team is here to guide you every step of the way. While members can visit us at our main location for in-person assistance, official correspondence should be sent to our mailing address: 2600 Dividend Dr, Decatur, IL 62526. In addition to traditional banking services, we've embraced modern technology by offering online banking and mobile applications that allow you to manage your finances from anywhere. Our commitment to ADA compliance ensures that all members can access our services without barriers. Decatur Earthmover is not just about transactions; it's about community impact. We actively engage in local outreach efforts and partnerships that strengthen ties within Decatur and surrounding areas. Whether it's sponsoring local events or supporting educational initiatives, we strive to make a difference beyond banking. We invite you to experience the benefits of being part of Decatur Earthmover. Join us today and discover how we can help you achieve your financial goals while being part of a vibrant community-focused organization! If you have any questions or need assistance, don't hesitate to reach out at 217-875-2301 during our operating hours: Monday through Friday from 9:00 AM to 5:00 PM and Saturday from 8:00 AM to 12:00 PM.

Branch Location & Accessibility

Convenient Access

Our branch features a well-organized layout with ample parking available, making it easy for you to come in and handle your banking needs. We take pride in being an ADA-compliant facility, ensuring that all members can access our services comfortably. If you're on the go, take advantage of our drive-thru banking services for quick deposits and withdrawals without leaving your vehicle.

Operating Hours

Decatur Earthmover is open Monday through Friday from 9:00 AM to 5:00 PM, and we also welcome you on Saturdays from 8:00 AM to 12:00 PM. Our team is dedicated to providing personalized service during these hours, so feel free to stop by or give us a call at 217-875-2301 if you have any questions or need assistance.

Services Offered

At Decatur Earthmover, we offer a wide range of services designed to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and credit cards with rewards, we have something for everyone. Our ATM is readily available for cash withdrawals and balance inquiries whenever you need it. While members can visit us at our branch location, official correspondence should be sent to the same address at 2600 Dividend Dr, Decatur, IL 62526. We look forward to welcoming you into our community where your financial success is our priority! Ready to experience exceptional service? Come visit us today!

Member Eligibility

Becoming a member of Decatur Earthmover is like joining a family that truly cares about your financial well-being. If you live, work, worship, or attend school in the area around 2600 Dividend Dr Decatur Il 62526, you're likely eligible to join us! We pride ourselves on fostering a supportive community where everyone can benefit from our range of financial services. Whether it's personal banking, auto loans, or credit cards with rewards, we have something for everyone. Joining is simple and welcoming there's no need for complex procedures or corporate jargon. If you'd like to learn more about the eligibility criteria and see if you qualify, please check out this resource. For those ready to take the next step, opening an account is just as easy; feel free to reach out to us at (217) 875-2301 for assistance. We can't wait to help you get started on your journey with Decatur Earthmover!

Business Banking & Commercial Services

Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. While we currently have no commercial loans funded for our members or non-members, we are dedicated to providing flexible financing solutions when the time comes.

Merchant Services

In addition to loans, we offer essential merchant services that help businesses operate smoothly. Imagine a local café using our payment processing solutions that not only streamline transactions but also enhance customer experience. With us by your side, you can focus on what you do best growing your business. Located at 2600 Dividend Dr Decatur Il 62526 in Decatur, IL, our team is ready to assist you in navigating your financial needs. Give us a call at (217) 875-2301 or visit us during our lobby hours: Monday to Friday from 9:00 AM to 5:00 PM and Saturday from 8:00 AM to 12:00 PM. Your success is our priority!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need cash? Our branch provides easy access to ATMs for withdrawals and balance checks whenever you need it. Plus, our basic drive-thru banking allows for quick deposits, withdrawals, and simple transactions without leaving your vehicle. At Decatur Earthmover, we focus on delivering services that matter most to you. If you have questions or need assistance, don't hesitate to reach out at 217-875-2301 during our operating hours: Monday through Friday from 9:00 AM to 5:00 PM and Saturday from 8:00 AM to 12:00 PM. Explore all that we have to offer today! Visit us at http://www.decu.com for more information about our services or stop by our branch your financial partner is just around the corner!

Business Banking

For entrepreneurs and business owners, Decatur Earthmover offers essential services like merchant services and business loans. We understand the importance of having reliable banking support for your business's growth and success.

Credit Cards with Rewards

Our credit cards with rewards provide an excellent way to earn benefits while spending on everyday purchases. You can enjoy cash back, travel points, or other rewards that suit your lifestyle, making each swipe more rewarding.

Debt Management

If you're facing challenges with debt, we offer personal loans and debt consolidation services. These options can help you regain control over your finances by simplifying payments and potentially lowering interest rates.

Digital Banking Convenience

We know how busy life can be; that's why we prioritize convenience through our online and mobile banking platforms. Accessing your accounts has never been easier! You can check balances, transfer funds, or pay bills from the comfort of your home or on-the-go.

Home Financing Solutions

For those looking to buy or refinance a home, our mortgage loans and refinancing options are tailored to guide you through the process smoothly. We understand that buying a home is a significant decision, and our experts will provide personalized service every step of the way.

Personal Banking

Managing your personal finances has never been easier with our diverse offerings. Our checking and savings accounts are designed to fit various lifestyles, helping you save for that special vacation or everyday expenses. If you're considering purchasing a vehicle, our auto loans and vehicle financing options come with competitive rates that can make your dream car a reality.

Digital & Online Banking

At Decatur Earthmover, we understand that managing your finances should be simple and secure. That's why we offer a range of digital and online banking services designed to give you control, convenience, and peace of mind. With our 24/7 online banking services available at http://www.decu.com, you can access your accounts anytime, anywhere. Whether you're checking your balance, paying bills, or transferring funds, everything is just a few clicks away. We also support person-to-person transfers, making it easy to send money to friends or family without any hassle. For those who prefer using their mobile devices, our user-friendly mobile application puts all these features right in your pocket. You can manage your accounts on the go, ensuring you never miss a beat when it comes to your finances. Plus, with electronic signature authorization, signing documents has never been more straightforward or secure. We prioritize your security as much as convenience. Our systems are built with robust safety features to protect your personal information and ensure that only you have access to your accounts. Additionally, if you opt for e-statements, you'll receive your account statements electronically no more paper clutter and a quicker way to stay organized. While we currently don't offer mobile payment options, rest assured that our other services provide plenty of ways to manage your money effectively. With our commitment to providing accessible and easy-to-use banking solutions, Decatur Earthmover is here to support you every step of the way. Explore all we have to offer today by visiting us at http://www.decu.com!

Financial Strength

A Growing Membership Base

The trust placed in us by our members is evident with a total of 37,631 share accounts. This shows a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments) stand at $231,841, further indicating our capacity to serve you effectively. In summary, 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 2600 Dividend Dr Decatur Il 62526 or call (217) 875-2301 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.

Member-Centric 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.

Operational Efficiency

Our commitment to operational efficiency is reflected in our $37,107. This allows 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.

Reinvestment for 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 lending capacity is also robust; with $81,736 in used auto loans and $158,118,544 in total loans and leases, we support members' financial goals across various sectors.

Solid 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 purchasing a new or used vehicle, our financing options are tailored to fit your budget.

Credit Lines

In need of extra cash for unexpected expenses? Our total credit lines amount to $41,381,986, providing flexibility when you need it most. This means you can access funds quickly without the hassle of applying for a new loan every time. If you're interested in refinancing any existing loans or want to know more about eligibility options for our various products, please don't hesitate to reach out. For any questions or assistance regarding our loan offerings at Decatur Earthmover located at 2600 Dividend Dr, Decatur IL 62526, feel free to call us at 217-875-2301. 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 pave your way toward financial success!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We provide Junior Lien 1-4 Family Residential Property loans totaling $3,455,576, which can help you take that important step toward owning your dream home. Our team is here to guide you through the process and ensure you understand your options.

Unsecured Credit Card Loans

Managing day-to-day expenses can sometimes be challenging. 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. Our credit cards come with rewards and benefits designed to enhance your spending power.

Loan Aggregator

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DECATUR EARTHMOVER CREDIT UNION - Decatur, IL

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