Decatur Earthmover Credit Union Paris IL | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Decatur Earthmover, your trusted financial partner located at 319 E Jasper St, Paris, IL 61944. Since our establishment in 1956, we have dedicated ourselves to serving the community with reliable banking solutions that meet your unique needs. With a proud membership of over 21,278 members and total assets exceeding $292,870,039, we strive to create a positive impact through personalized services tailored just for you. At Decatur Earthmover, we understand that each member's journey is different. That's why we offer a wide range of services, including checking and savings accounts, auto loans, mortgages, personal loans, and business banking options. Whether you're looking to finance your dream car or save for future goals, our team is here to help guide you every step of the way. Our commitment to excellence is reflected in our financial stability: we maintain $12,312,828 in deposits and a net worth of $34,850,245. We also ensure that you have easy access to your funds with convenient ATM and drive-thru services available. Our friendly staff of 106 employees, led by CEO Barry Schmidt and Board President John Kraft, is always ready to assist you during our operating hours from Monday to Friday 9:00 AM - 5:00 PM and on Saturday from 9:00 AM - 12:00 PM. While you can visit us at our branch location for all your banking needs, please note that official correspondence should be sent to our mailing address at 260 W Marion Ave, Forsyth, IL 62535. Join us today at Decatur Earthmover and experience the difference in community-focused banking. Feel free to call us at (217) 875-2301 or visit our website at www.decu.com for more information about how we can help you achieve your financial goals!

Branch History & Mission

Welcome to Decatur Earthmover, a credit union deeply rooted in the community of Paris, IL. Since opening our doors in 1956, we have been dedicated to providing exceptional financial services and support to our members. Our journey began over six decades ago with a small group of visionaries who believed in the power of community banking. Today, we proudly serve 21,278 members and manage assets totaling $292,870,039. Located at 319 E Jasper St, Paris, IL 61944, our branch is easily accessible for all your banking needs. Whether you're visiting us for personal banking or business services, you will find that our welcoming environment reflects our commitment to helping you achieve your financial goals. While members can visit us at this address, official correspondence should be sent to our mailing address at 260 W Marion Ave, Forsyth, IL 62535. At Decatur Earthmover, we believe that our mission goes beyond just banking. We strive to empower individuals and families through financial education and community engagement. Our mission statement emphasizes providing reliable financial services while supporting local initiatives that enhance the quality of life in our community. We understand that when our members thrive, so does the entire community. Over the years, we've embraced technological advancements to improve your experience with us. Our online banking platform allows you to manage your finances conveniently from anywhere. We are also committed to accessibility; our facilities meet ADA compliance standards to ensure everyone can benefit from our services. We take pride in offering a variety of products tailored to meet diverse needs from checking and savings accounts to auto loans and mortgages. Our drive-thru service provides quick access for those on the go, while our ATM availability ensures you can access your funds whenever necessary. Community outreach is at the heart of what we do. We actively partner with local organizations and participate in events that uplift those around us. Together with our dedicated staff of 106 employees, led by CEO Barry Schmidt and Board President John Kraft, we work tirelessly to create positive change in Paris and beyond. Join us at Decatur Earthmover and become part of a legacy built on trust and commitment. Experience firsthand how we can help you navigate your financial journey while contributing to a vibrant community spirit. For more information or assistance, feel free to call us at 217-875-2301 during our operating hours: Monday through Friday from 9:00 am to 5:00 pm and Saturday from 9:00 am to 12:00 pm. We look forward to welcoming you!

Branch Location & Accessibility

Call to Action

We invite you to visit us soon or give us a call at 217-875-2301 if you have any questions or need assistance. The team at Decatur Earthmover is ready to welcome you and help you achieve your financial goals!

Nearby Landmarks and Accessibility Features

Our branch is conveniently situated near several local landmarks, making it easy to stop by while you're out and about. With ample parking available right at our doorstep, you won't have to worry about finding a space. We've also ensured that our location meets accessibility standards with features such as ramps and ADA-compliant entrances. While members can visit us at 319 E Jasper St, official correspondence should be sent to our mailing address at 260 W Marion Ave, Forsyth, IL 62535.

Operating Hours and Services

We understand that your time is valuable. That's why we offer flexible operating hours: from Monday to Friday, our lobby is open from 9:00 AM to 5:00 PM, and on Saturday, the drive-thru operates from 9:00 AM to 12:00 PM. This allows you to plan your visit at a time that works best for you. At Decatur Earthmover, we pride ourselves on providing a wide range of services tailored to meet your financial needs. From checking and savings accounts to auto loans, mortgage financing, and credit cards with rewards we have solutions for every aspect of your financial journey. Plus, enjoy the convenience of our ATM services for quick cash withdrawals and balance checks. If you prefer banking on-the-go, take advantage of our online and mobile banking options. We're here to make your banking experience as smooth as possible!

Member Eligibility

Joining the Decatur Earthmover community is an exciting step towards enhancing your financial well-being! To become a member, you simply need to meet a few friendly criteria that focus on building a supportive network. Generally, if you live, work, or worship in the area around Paris, IL, you're eligible to join us. This means that many people in our vibrant community can take advantage of our personalized services and products designed just for you. Membership at Decatur Earthmover not only gives you access to great banking options but also connects you with a team that truly cares about your financial journey. Opening an account with us is straightforward and welcoming. You can start this process by giving us a call at (217) 875-2301, where our friendly staff will guide you through the steps. For more detailed information about eligibility requirements. We're here to help you every step of the way as you join our growing family at Decatur Earthmover, located conveniently at 319 E Jasper St Paris Il 61944.

Business Banking & Commercial Services

Merchant Services

In addition to loans, we offer comprehensive merchant services that simplify daily transactions. Picture this: your customers can pay easily with multiple payment options at their fingertips, boosting satisfaction and sales. Our reliable services ensure you focus on what you do best growing your business while we handle the financial side. If you're ready to take the next step for your business, visit us at 319 E Jasper St Paris Il 61944 in Paris, IL or call us at (217) 875-2301 to learn more about how we can assist you today!

Tailored Loan Solutions

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. While we currently do not have specific figures for member or non-member commercial loans, we are eager to help you explore financing options that suit your unique needs. Whether you're a member or part of the wider community, we're here to provide flexible solutions for your financial journey.

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about buying a new car? We offer auto loans and vehicle financing tailored to fit your budget. Whether you're eyeing a brand-new vehicle or a reliable used one, our friendly staff can guide you through the application process to get you on the road faster.

Business Banking

For entrepreneurs and business owners, we provide comprehensive business banking services, including merchant services and business loans. Running a business requires smart financial management, and we're here to support you with tools designed specifically for your success.

Convenience Services

We understand that convenience matters in today's fast-paced world. That's why we offer ATM and cash withdrawal services that are easily accessible whenever you need them. Plus, with basic drive-thru banking available for deposits, withdrawals, and simple transactions, managing your money is quick and hassle-free. In addition, our digital features like online banking let you check balances, transfer funds, and pay bills from anywhere all at the touch of a button. If you're ready to take control of your finances or just want to learn more about what we offer at Decatur Earthmover, give us a call at (217) 875-2301 or visit us today! We look forward to helping you achieve your financial goals.

Credit Cards with Rewards

Enjoy shopping? Our credit cards with rewards offer benefits that can make every purchase more rewarding. From cash back on everyday expenses to points redeemable for travel or gifts, you'll find that using our credit card enhances your spending experience.

Mortgage Loans & Refinancing

Homeownership dreams can come true with our mortgage loans and refinancing options. If you're ready to buy a home or want to lower your current mortgage payment, we provide personalized assistance every step of the way. Our team understands how important this decision is for you and will work diligently to find a solution that meets your needs.

Personal Banking

When it comes to managing your finances, having the right tools is essential. Our personal banking options include checking and savings accounts that help you manage your money effectively. Imagine having a checking account that allows you to easily track your spending while also earning interest on your savings. With our online and mobile banking features, accessing your accounts has never been simpler.

Personal Loans & Debt Consolidation

Managing multiple debts can be overwhelming. That's where our personal loans and debt consolidation services come in handy. We help simplify your finances by combining various debts into one manageable payment, allowing you to focus on what truly matters in life.

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 over your money, anytime and anywhere. With our 24/7 Online Banking Services available at http://www.decu.com, you can check balances, make transfers, and pay bills from the comfort of your home or on the go. Our platform is user-friendly, ensuring you can navigate effortlessly while keeping your information safe and secure. Plus, with E-Statements Availability, you can view your account statements electronically, making it easier to track your finances without the clutter of paper. For those who enjoy using their mobile devices, our Mobile Application Availability means that banking is always just a tap away. Whether you need to deposit a check or manage your account settings, everything is right at your fingertips. And if you ever need to send money quickly to a friend or family member, our Person-to-Person Transfers feature lets you do so in just moments. We also value your time and convenience with our Electronic Signature Authorization service. This allows you to sign documents electronically without needing to visit the branch physically. It's all about making banking more accessible for you. While we currently don't offer a Mobile Payments Feature, rest assured that our other services are geared toward providing a seamless experience. We're committed to helping you manage your accounts easily while ensuring top-notch security throughout the process. At Decatur Earthmover, we believe that banking should fit into your life not the other way around. Explore our digital offerings today and take advantage of all the ways we can help simplify your financial journey!

Financial Strength

Growing Membership Base

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 319 E Jasper St Paris Il 61944 or call (217) 875-2301 to learn more about how we can help you achieve your financial goals.

Investing Back into Our Community

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 commitment to lending is evident as we support members' financial goals with $81,736 in used auto loans and $158,118,544 in total loans and leases.

Member-Centric 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 $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.

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. We provide financing options for both new and used vehicles, ensuring you can find something that fits your budget and lifestyle.

Credit Lines

For added flexibility, consider our credit lines which total $41,381,986. They provide you with access to funds when you need them most without the hassle of applying for multiple loans.

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. Whether you are a first-time homebuyer or looking to refinance your current mortgage, our experienced team is here to guide you through the process.

Refinancing Options

If you're considering refinancing any of your existing loans or mortgages, we have options available that may help lower your monthly payments or reduce your interest rate. Our team is ready to discuss eligibility and find solutions that work for you. For more information about our loan offerings or to explore how we can assist you further, feel free to contact us at 217-875-2301. You can visit us at our branch located at 319 E Jasper St Paris Il 61944. 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 take the next step towards reaching your financial aspirations!

Unsecured Credit Card Loans

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 benefits designed to support your spending while keeping your budget in check.

Loan Aggregator

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How LendMesh Ensures Accurate Loan 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 all loan offers presented are fair and transparent, giving users confidence in their choices.

DECATUR EARTHMOVER CREDIT UNION - Paris, IL

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