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

Introduction

Welcome to Decatur Earthmover, your trusted partner in financial services located at 260 W Marion Ave, Forsyth, IL 62535. Since our establishment in 1956, we have dedicated ourselves to supporting our community with personalized banking solutions. With a strong membership base of 21,278 and assets totaling an impressive $292,870,039, our focus is on serving you better every day. At Decatur Earthmover, we believe in building lasting relationships with our members. Our CEO, Barry Schmidt, alongside Board President John Kraft, leads a team of 106 employees who are committed to providing exceptional service. Whether you're looking for checking and savings accounts, auto loans, mortgages, or business banking solutions, we are here to assist you every step of the way. We take pride in our financial strength, demonstrated by our total deposits of $12,312,828 and net worth of $34,850,245. With cash reserves exceeding $5,381,533, we are well-equipped to meet your banking needs while ensuring your funds remain secure. While members can visit us at our branch location for all banking services including ATM access and drive-thru services official correspondence should be directed to the same address: 260 W Marion Ave, Forsyth, IL 62535. Join us today at Decatur Earthmover by visiting our website at www.decu.com or give us a call at 217-872-8170. Let us help you achieve your financial goals with confidence!

Branch History & Mission

At Decatur Earthmover, we take pride in our rich history and the strong connections we've built within the Forsyth community since our founding in 1956. With a mission to provide exceptional financial services while supporting our members' goals, we have grown from humble beginnings into a thriving credit union that serves over 21,000 members. Our branch is conveniently located at 260 W Marion Ave, Forsyth, IL 62535, easily accessible for anyone in the area. Over the years, Decatur Earthmover has evolved significantly. We started with a small membership base and limited resources, but through dedication and commitment to our community's needs, we've expanded our services and assets. Today, we proudly manage total assets of $292,870,039. Our growth reflects not just our financial success but also our unwavering focus on member satisfaction and community support. Our mission is simple yet impactful: to empower our members with reliable financial solutions while fostering a sense of belonging and community spirit. We offer a range of services including checking and savings accounts, auto loans, mortgage loans, personal loans, and credit cards with rewards. Each service is designed to meet the diverse needs of our members and help them achieve their financial aspirations. While you can visit us at 260 W Marion Ave for all your banking needs, official correspondence should be sent to the same address as our mailing address remains unchanged. We understand the importance of convenience; therefore, our branch features an ATM for easy cash access and drive-thru banking for quick transactions without leaving your vehicle. At Decatur Earthmover, we are committed to innovation as well. Our online banking platform allows members to manage their accounts easily from anywhere at any time. We ensure ADA compliance so that all members can access our services comfortably. Community outreach is at the heart of what we do. We actively participate in local events and support various initiatives that uplift the Forsyth area. By building strong partnerships with local organizations, we strive to make a positive impact on those around us. As we look toward the future, we invite you to join us on this journey. Experience the benefits of membership at Decatur Earthmover and become part of a community-focused credit union that truly cares about your financial well-being. Call us today at 217-872-8170 or visit our website at www.decu.com to learn more about how we can help you thrive!

Branch Location & Accessibility

ATM Availability

Need cash on the go? We have an ATM available at our branch, ensuring you can access your funds anytime. While members can visit us at 260 W Marion Ave for all your banking needs, official correspondence should be sent to the same address. If you have questions or need assistance before your visit, feel free to give us a call at 217-872-8170. We invite you to come by Decatur Earthmover and experience the personal touch that sets us apart from other financial institutions. Your journey toward better banking starts here!

Easy Access and Parking

At Decatur Earthmover, we prioritize your convenience. Our location offers ample parking space, ensuring you can easily access our services without any hassle. For those who require additional assistance, our branch is equipped with ADA-compliant features, including ramps and accessible entryways.

Operating Hours and Services

We're here for you Monday through Friday from 9:00 AM to 5:00 PM, ready to assist with all your banking needs. Whether you're looking to open a checking account, secure an auto loan, or explore mortgage options, our friendly staff is always on hand to help. Plus, if you're in a hurry or prefer a quick transaction, take advantage of our drive-thru service for deposits and withdrawals.

Member Eligibility

At Decatur Earthmover, we believe that everyone deserves a chance to be part of a community that supports their financial goals. Joining us is straightforward and welcoming! If you live, work, or worship in the Forsyth area or are related to someone who does, you're likely eligible to become a member. We value diversity and encourage individuals from all walks of life to join our family. By becoming a member at Decatur Earthmover, you gain access to a range of services designed to meet your needs, including competitive loan rates, personalized banking options, and friendly support. If you're ready to take the next step toward membership, we make it easy! You can find more detailed information about eligibility by visiting our website. Should you have any questions or need assistance, feel free to reach out to us at (217) 872-8170 during our operating hours. We look forward to welcoming you into the Decatur Earthmover family at our branch located at 260 W Marion Ave Forsyth Il 62535!

Business Banking & Commercial Services

Merchant Services That Work for You

Imagine running your business smoothly with efficient payment processing. Our merchant services make it easy for you to accept payments, whether in-store or online. This means more time serving your customers and less time worrying about transactions. From setting up point-of-sale systems to providing insights into sales trends, we're here to help your business thrive. Visit us at 260 W Marion Ave Forsyth Il 62535 in Forsyth, IL or give us a call at (217) 872-8170 to learn more about how we can assist you in achieving your business goals!

Tailored Loan 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.

Comprehensive List Of Services

Accessibility and Support

At Decatur Earthmover, we believe in providing excellent service with ease of access. Our branch includes a drive-thru for simple transactions and ATM access for balance checks and cash withdrawals at any time. If you have questions or need assistance navigating your financial journey, don't hesitate to reach out! You can contact us at 217-872-8170 during our lobby hours from Monday to Friday, 9:00 AM to 5:00 PM. Whether you're a member looking to manage daily finances or a business owner needing reliable banking solutions, Decatur Earthmover is here for you every step of the way. Visit us today or check out our website at http://www.decu.com for more information about how we can assist you!

Business Banking Solutions

For local businesses, we offer essential tools through our Business Banking services. This includes merchant services that allow you to accept payments easily and efficiently. If you're looking to grow your business, our various Business Loans can provide the funding you need to expand operations.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we offer robust Online & Mobile Banking features. You can manage your accounts from anywhere, whether you're at home or on the go. With ATM & Cash Withdrawal Services, accessing your money is simple and straightforward. Our basic drive-thru banking allows for quick deposits and withdrawals without leaving your car.

Personal Banking Services

We understand that managing your finances can be challenging. That's why we provide Personal Banking options that include checking and savings accounts designed for everyday use. Need to finance a new vehicle? Our Auto Loans & Vehicle Financing make it easy to get behind the wheel without breaking the bank. For those looking to buy a home or refinance an existing mortgage, our Mortgage Loans & Refinancing solutions are here to help you secure the best rates possible. If you're facing unexpected expenses, our Personal Loans & Debt Consolidation services can give you the breathing room you need. Plus, with our Credit Cards with Rewards, you can earn benefits while making everyday purchases.

Digital & Online Banking

At Decatur Earthmover, we understand that banking should be as convenient and secure as possible. That's why we've embraced digital and online banking services that allow you to manage your finances anytime, anywhere. Whether you're at home, at work, or on the go, our user-friendly platforms are designed to make your banking experience smooth and hassle-free. With our online banking services, you can access your accounts 24/7. Need to check your balance or transfer money? You can do it all with just a few clicks. Our electronic signature authorization feature makes it easy for you to sign documents securely from the comfort of your own home, eliminating the need for paper forms and lengthy visits to the branch. For those who prefer going green, we offer e-statements, allowing you to receive your account statements electronically. This not only helps the environment but also ensures that you have quick access to your financial information whenever you need it. If you're looking for instant transfers, our person-to-person transfer service is perfect for sending money quickly to friends or family without any hassle. And if you're always on your smartphone, you'll be pleased to know that we have a mobile application available. With this app, managing your finances becomes even easier whether it's checking balances, making payments, or setting up alerts. While mobile payments are not currently offered at Decatur Earthmover, our robust online banking features ensure that your transactions remain safe and secure. We take your security seriously and have implemented measures that protect your personal information while providing real-time account management. Experience the convenience of banking at your fingertips with our digital solutions at Decatur Earthmover!

Financial Strength

Growing Together

Total Share and Deposit Accounts stand at 37,631, showing a strong and growing member base that trusts us with their finances. Net Shares available for lending and investments amount to $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 260 W Marion Ave Forsyth Il 62535 or call (217) 872-8170 to learn more about how we can help you achieve your financial goals.

Member Savings and Investments

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 $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.

Our 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.

Reinvesting in Your Future

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 impressive; with $81,736 in used auto loans and $158,118,544 in total loans and leases, we support members' financial goals across various sectors.

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 interested in financing a new model or a reliable used vehicle, our flexible terms make it easier for you to drive away with confidence.

Credit Lines and Personal Loans

For those needing additional financial flexibility, we offer credit lines totaling $41,381,986. This option allows you to borrow what you need when you need it without having to apply for multiple loans. Additionally, our unsecured credit card loans amounting to $7,614,938 help members manage their everyday expenses more effectively with flexible repayment terms. At Decatur Earthmover, we also recognize that life can change unexpectedly. That's why we provide refinancing options for many of our loans and encourage you to inquire about your eligibility during your visit or call. For business owners seeking funding solutions, our commercial loans provide essential capital for growth though currently we do not have outstanding commercial loans available. We invite you to explore how our diverse range of loan products can meet your financial needs. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Whether it's an auto loan or mortgage financing you're after, Decatur Earthmover is committed to supporting your financial journey every step of the way!

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 believe in making the dream of homeownership accessible and are here to guide you through the process.

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DECATUR EARTHMOVER CREDIT UNION - Forsyth, IL

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