Decatur Earthmover Credit Union Mt Zion IL

Introduction

Welcome to Decatur Earthmover, your trusted credit union located at 114 W Main St, Mt Zion, IL 62549. Since our establishment in 1956, we've been dedicated to serving our community with a strong commitment to member satisfaction and financial well-being. With over 21,278 members relying on us for their banking needs, we take pride in being a cornerstone of financial support in the area. Our total assets stand robust at $292,870,039, reflecting our stability and ability to offer competitive rates on loans and deposits. Currently, we manage $12,312,828 in deposits and have extended loans totaling 120,407, helping our members achieve their dreams be it homeownership, vehicle purchases, or personal loans. While members can visit us at our Mt Zion location for all their banking needs, official correspondence should be directed to our mailing address at 260 W Marion Ave, Forsyth, IL 62535. Our dedicated team of 106 employees, led by CEO Barry Schmidt and Board President John Kraft, is here to guide you through your financial journey. At Decatur Earthmover, we prioritize community impact and work hard to create meaningful relationships with our members. We believe that together we can achieve more. Whether you're looking for savings accounts or loans tailored to your needs, we are here to help. Feel free to reach out to us at 217-875-2301 or visit our website at decatur earthmover for more information. Join us today and discover the difference of being part of a community-focused credit union!

Branch History & Mission

Welcome to Decatur Earthmover, a cornerstone of financial support in Mt. Zion, IL. Established in 1956, we have a rich history that reflects our commitment to serving our community and evolving alongside our members' needs. From humble beginnings to becoming a trusted financial partner for over 21,000 members, our journey is marked by milestones that demonstrate our dedication to excellence. Located at 114 W Main St, Mt Zion, IL 62549, our branch serves as a beacon of hope and opportunity for local residents. With total assets exceeding $292 million, we offer a variety of services designed to empower individuals and families on their financial journeys. While members can visit us at this location, official correspondence should be sent to 260 W Marion Ave, Forsyth, IL 62535. Our mission at Decatur Earthmover is clear: we strive to enhance the lives of our members by providing high-quality financial services while fostering a spirit of community support. We believe that when one member succeeds, we all succeed. Our aim goes beyond just banking; it's about building relationships that last and making positive impacts in the lives of those we serve. Over the years, we have adapted to technological advancements and changing needs. We are proud to offer online banking services that provide convenience and accessibility for our members. Additionally, our commitment to being ADA compliant ensures that everyone can access our services without barriers. Community outreach is at the heart of what we do. We actively participate in local events and initiatives aimed at supporting education, health, and wellness in Mt. Zion and surrounding areas. Our partnerships with various organizations reflect our belief that collaboration strengthens our community fabric. At Decatur Earthmover, you will find not just a bank but a place where you can feel valued and supported. Whether you're looking for personal loans or savings accounts, we're here to guide you every step of the way. Join us today and experience the benefits of being part of Decatur Earthmover. Together, let's build a brighter financial future! For more information or assistance, call us at 217-875-2301 during our operating hours: Monday through Friday from 8:00 AM to 5:00 PM and Saturday from 8:00 AM to 12:00 PM.

Branch Location & Accessibility

Accessibility Features

At Decatur Earthmover, we believe banking should be accessible to everyone. Our branch is fully compliant with ADA standards, featuring ramps and other accommodations to ensure that all members can navigate our space comfortably.

Convenient Location

Our location is not just about convenience; it's also about community. Just a stone's throw away from local landmarks like the Mt Zion Community Park and the vibrant shops along Main Street, visiting us feels like part of your daily routine. Plus, ample parking makes it easy for you to hop in and out without any hassle.

Operating Hours

We understand that life gets busy! That's why we're open Monday through Friday from 8:00 AM to 5:00 PM, and we even have Saturday hours from 8:00 AM to 12:00 PM for those who need a little extra flexibility during the week.

Services Offered

While we currently do not have ATM or drive-thru services available at this location, our friendly staff is ready to assist you with a range of services tailored to meet your financial needs. From account inquiries to loan consultations, we're dedicated to providing personalized support. If you have any questions or need assistance, feel free to give us a call at 217-875-2301. We're excited to serve you at Decatur Earthmover! Come visit us soon!

Member Eligibility

At Decatur Earthmover, we believe that everyone deserves a financial partner that truly cares. Joining our community is simple and welcoming, designed to make you feel right at home. To become a member, you just need to meet a few friendly eligibility criteria. If you live, work, worship, or attend school in the area around Mt Zion, IL, you're already on your way! Our mission is to provide support and services that enhance your financial well-being, whether you're looking for loans, savings options, or expert advice. Opening an account with us is easy and straightforward. You can find all the details you need about membership eligibility by visiting our website. If you have any questions or want to chat about the process, feel free to call us at (217) 875-2301. We're here to help you every step of the way!

Business Banking & Commercial Services

Financing Solutions That Fuel Growth

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.

Practical Merchant Services

In addition to loans, our merchant services simplify your payment processes. Imagine easily accepting payments from customers whether they prefer credit cards or digital wallets without the hassle. Our solutions streamline transactions, letting you focus on what matters most: growing your business. If you're ready to explore how Decatur Earthmover can assist you in reaching your business goals, visit us at 114 W Main St Mt Zion Il 62549 in Mt Zion, IL or call us at (217) 875-2301. Let's work together to build a brighter future for your business!

Comprehensive List Of Services

Call to Action

Ready to take control of your finances? Stop by Decatur Earthmover today or check out our website at http://www.decu.com for more information on our services. We look forward to welcoming you into the Decatur Earthmover family!

Community-Focused Approach

Our commitment goes beyond just banking; it's about building relationships with our members. When you reach out to us at (217) 875-2301, you'll find friendly staff ready to assist you. Whether you have questions about our services or need help navigating our online tools, we're here to ensure that your experience is positive and productive. As part of our mission to serve the community, we're always looking for ways to enhance our offerings and make banking easier for everyone. We invite you to visit us during our lobby hours Monday through Friday from 8:00 AM to 5:00 PM and Saturday from 8:00 AM to 12:00 PM to learn more about how Decatur Earthmover can support your financial journey.

Convenient Online Services

We also recognize the importance of digital banking in today's fast-paced world. With features like online banking and e-statements, managing your finances has never been easier. Imagine sitting at home in your pajamas, checking your account balance, transferring funds, or paying bills all from the comfort of your couch! You can even use our mobile application to stay connected wherever you go.

Personalized Banking Solutions

Understanding that every member has unique needs, we offer a variety of services designed with you in mind. Our ATM Services Only provide you with easy access to your funds whenever you need them. Picture this: it's a Saturday morning and you want to grab some cash before heading out for brunch with friends. With our ATMs, you can quickly get cash without any hassle.

Digital & Online Banking

Key Features for Your Convenience

We prioritize your security while ensuring ease of use. With features like electronic signature authorization, you can complete transactions securely without the hassle of paperwork. Plus, our e-statements provide a paperless way to keep track of your financial activities saving trees and keeping your information organized. For those times when you need to send money quickly, our person-to-person transfer feature allows you to send funds directly to friends or family with just a few clicks. And if you're someone who prefers managing finances on your smartphone, our mobile application is available for download, putting all these features right in the palm of your hand.

Stay Connected

Managing your money has never been easier or more efficient. Whether it's checking your account balance, setting up recurring payments, or accessing customer support via our app, we are here for you around the clock. At Decatur Earthmover, we aim to provide tools that empower you to take control of your finances anytime and anywhere. Experience the freedom of digital banking today with us at Decatur Earthmover!

Financial Strength

Commitment to Growth

The strength of our organization is evident in the numbers: Total Share Accounts stand at 37,631, reflecting a growing member base that trusts us with their finances. Additionally, Net Shares available for lending and investments amount to $231,841, further emphasizing our capability to support your needs. 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 114 W Main St Mt Zion Il 62549 or call (217) 875-2301 to learn more about how we can help you achieve your financial goals.

Member-Focused Savings

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 operational efficiency is reflected in our $37,107, which allows us to continue offering competitive loan rates and solid financial products for our members. We're also proud of our dedicated team of 99 full-time employees and 7 part-time employees who ensure that our branches are always ready to assist you with knowledgeable service.

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're dedicated to supporting your financial goals across various sectors.

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. This robust net worth underpins our ability to serve you effectively. 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 interested in financing a brand-new model or a reliable used vehicle, we have options that fit your budget.

Credit Lines

For those looking for additional financial flexibility, our credit lines totaling $41,381,986 are available to help you cover unexpected costs or to make larger purchases with ease. These lines give you the ability to borrow as needed and repay at your convenience. If you're considering refinancing any of your current loans or want more information about eligibility options for our various products, feel free to reach out. You can contact us at (217) 875-2301 or visit us at our branch located at 114 W Main St Mt Zion Il 62549. Our dedicated team is here to assist you during our operating hours: Monday through Friday from 8:00 AM to 5:00 PM and Saturday from 8:00 AM to 12:00 PM. 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 are committed to providing personalized solutions that empower our members toward achieving their 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 provide competitive rates and flexible terms to ensure that you can find the right solution for your housing needs.

Unsecured Credit Card Loans

Managing everyday 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. This product is designed to provide quick access to funds when needed without requiring collateral.

Loan Aggregator

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DECATUR EARTHMOVER CREDIT UNION - Mt Zion, IL

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