Desco Credit Union Ironton OH | Best Auto Loans & Business Banking

Introduction

Welcome to Desco, your trusted credit union located at 2915 S 3Rd St, Ironton, OH 45638. Since our establishment in 1963, we've been dedicated to serving our community with reliable financial services tailored to meet the needs of our members. With a total membership of over 25,200, we pride ourselves on fostering relationships built on trust and support. At Desco, we understand that your financial journey is unique. That's why we offer a wide range of services, including personal banking, auto loans, mortgages, and business loans. Our total assets amount to an impressive $508,126,802, demonstrating our solid foundation and commitment to your financial well-being. Additionally, we manage total deposits of $69,431,046 and have a net worth of $54,781,563, ensuring that your funds are safe and secure. While members can visit us at our branch location for face-to-face interactions and assistance with transactions, official correspondence should be directed to our mailing address: 2915 South Third St, Ironton, OH 45638. Our team is led by CEO Jeff Lyons and Board President Richard Bussa, both of whom are passionate about providing exceptional service and innovative solutions for all members. With a dedicated staff of 114 employees, we're here to assist you with any inquiries or financial needs you may have. Whether you're interested in opening a new account or seeking guidance on loans or investments, we're just a phone call away at 740-533-0830. Visit us today or check out our website at http://www.descofcu.org for more information on how we can help you achieve your financial goals. Join us at Desco where your success is our mission!

Branch History & Mission

Community Commitment

Desco is not just a credit union; we are a part of this community. Whether it's through educational workshops or sponsorships of local events, we actively seek ways to give back. Our team remains dedicated to ensuring that every member feels valued and supported. We invite you to experience the benefits of joining Desco. With our member-focused services and commitment to community support, you will find more than just a place for your finances you'll discover a partner in your journey toward success. Feel free to reach out at 740-533-0830 or visit us online at www.descofcu.org for more information on how we can assist you today!

Mission Statement

Our mission at Desco is simple yet profound: to improve the lives of our members while fostering a strong sense of community. We believe that by offering quality financial products and personalized service, we can help individuals achieve their goals and dreams. While members can visit us at 2915 S 3Rd St, official correspondence should be sent to 2915 South Third St, Ironton, OH 45638 if different. Our branch operates Monday through Friday from 9:00 AM - 5:00 PM, with extended drive-thru hours on Saturday from 9:00 AM - 1:00 PM.

Our Evolution

From humble beginnings to a trusted financial institution, Desco has continuously evolved to meet the changing needs of our members. Each milestone reflects our commitment to providing excellent service and innovative solutions. We offer a range of personal banking options, including checking and savings accounts, auto loans, mortgage loans, and credit cards with rewards. Our drive-thru service and ATM availability ensure that our members can access their funds conveniently. As we expanded our services, we never lost sight of our mission: to support not just individual financial growth but also the wellbeing of our community. Our partnerships with local organizations have allowed us to engage in various outreach efforts that uplift those around us.

Branch Location & Accessibility

Accessibility Features

We prioritize accessibility for all members. Our branch is ADA compliant, featuring ramps and designated parking spaces close to the entrance so everyone can bank with ease. Whether you prefer in-person assistance or utilizing our ATM services, we've got you covered.

Easy Access and Convenient Hours

At Desco, we understand that your time is valuable. That's why our operating hours are designed to fit into your busy schedule. You can visit us Monday through Friday from 8:30 AM to 5:30 PM, and our drive-thru service is available for your convenience on Saturdays from 9:00 AM to 1:00 PM. If you need assistance outside of these hours, just give us a call at 740-533-0830; we're always here to help.

Services Tailored for You

At Desco, we offer a wide range of services to suit your financial needs from personal banking options like checking and savings accounts to auto loans and mortgages. Our drive-thru allows for quick transactions including deposits and withdrawals without leaving your vehicle. Plus, if you're looking for cash withdrawal services or balance checks, our ATM is readily available. While members can visit us at 2915 S 3Rd St, official correspondence should be sent to our mailing address: 2915 South Third St, Ironton, OH 45638. Come visit us today! Experience the welcoming atmosphere at Desco where we strive to make banking simple and accessible for everyone in Ironton and beyond. We look forward to seeing you soon!

Member Eligibility

At Desco, we believe that everyone deserves a chance to be part of a caring community that supports their financial journey. Becoming a member is simple and welcoming. If you live, work, worship, or attend school in our area, you're likely eligible to join us! Membership is open to individuals who share our values and want to benefit from our services tailored just for you. By joining Desco, you gain access to personalized banking options, lower fees, and competitive rates on loans and savings accounts. Ready to take the next step? You can find more detailed eligibility information by visiting this link. If you're excited to open an account or have any questions about the process, don't hesitate to reach out at (740) 533-0830. We're here to help you every step of the way at our branch located at 2915 S 3Rd St Ironton Oh 45638!

Business Banking & Commercial Services

Merchant Services That Work for You

In addition to loans, we offer merchant services that streamline your transactions. Imagine processing payments easily while keeping track of sales and inventory all in one place. Our tools help you manage cash flow and enhance customer satisfaction, allowing you to focus on what truly matters growing your business. Visit us at 2915 S 3Rd St Ironton Oh 45638 in Ironton, OH, or call us at (740) 533-0830 to learn more about how we can partner with you in your business success!

Tailored Loan Solutions

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $340 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $2 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $74,969,882, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Additional Services

For everyday banking needs, our Basic Drive-Thru Banking allows for quick deposits and withdrawals without leaving your vehicle. Additionally, our Basic ATM Access provides an easy way to check balances and withdraw cash whenever you need it. At Desco, we're dedicated to making banking convenient and accessible for everyone in Ironton and beyond. If you have questions or want to learn more about any of our services, please give us a call at (740) 533-0830 or visit us online at http://www.descofcu.org. We're here to help you achieve your financial goals!

Business Banking

We also cater to entrepreneurs with our Business Banking solutions, including Merchant Services and Business Loans. If you're running a small business or planning to start one, these services are designed to support your growth and success.

Credit Cards

Don't forget about our Credit Cards with Rewards! They not only provide convenience but also offer rewards for everyday purchases. It's like getting paid back while shopping!

Home Financing

Thinking about home ownership? Our Mortgage Loans & Refinancing options can help turn that dream into reality. We guide you through every step of securing a mortgage or refinancing your current home loan, ensuring you get the best rates available.

Online & Mobile Banking

In today's fast-paced world, having access to Online & Mobile Banking is essential. You can manage your finances anytime from anywhere whether it's checking balances or transferring funds on-the-go. Plus, with ATM & Cash Withdrawal Services available at various locations, accessing your cash has never been easier.

Personal Banking

Starting with Personal Banking, we offer checking and savings accounts that fit your lifestyle. Imagine having a reliable place to keep your money safe while earning interest at the same time. With options tailored to different saving habits and spending styles, you can choose what works best for you. If you're considering buying a new car, our Auto Loans and Vehicle Financing make the process straightforward and stress-free. Picture yourself driving away in your dream vehicle with flexible payment options that suit your budget.

Personal Loans

For those unexpected expenses or consolidating debt, our Personal Loans & Debt Consolidation services are here to help. We understand that life can be unpredictable, and having access to funds when you need them most makes all the difference.

Digital & Online Banking

Key Features

Our online banking services provide you with real-time account management tools that put you in control. Whether you want to check your balance, pay bills, or transfer funds, everything is just a click away. You can also easily set up e-statements, allowing you to receive your monthly statements electronically and reducing clutter in your mailbox. For those moments when you need to send money quickly, our person-to-person transfer feature makes it simple and fast. You can send money to friends or family without any hassle perfect for splitting dinner bills or sending gifts.

Mobile Banking

On the go? Our mobile application offers all the features of our online banking right at your fingertips. It's user-friendly and designed for easy navigation, ensuring you can access your accounts wherever life takes you. While mobile payments are not available just yet, our app still provides secure options for managing your transactions.

Security You Can Trust

At Desco, we prioritize your security. Our systems are built with advanced security measures to keep your personal information safe while you bank online or through our mobile app. Although we do not offer electronic signature authorization at this time, rest assured that your financial data is protected by robust encryption protocols. With accessible and intuitive services, managing your finances has never been easier or more secure. Explore what digital banking at Desco can do for you today!

Financial Strength

Growing Trust Among Members

The strength of our community trust is shown by having a total of 35,640 share and deposit accounts. This growing member base demonstrates that more people are choosing Desco as their trusted partner for financial management. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Desco is your trusted partner. Visit us at 2915 S 3Rd St Ironton Oh 45638 or call (740) 533-0830 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings Options

Members' savings are secured through $87,890,812 in share certificates and $50,466,897 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 $2,547,674, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 113 full-time employees and 1 part-time employees who ensure our branches are always ready to serve you with a knowledgeable, committed team.

Our Financial Health

With a net worth of $54,781,563, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,078 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Reinvestment for Growth

With $29,702,235 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 evident with $2,925 in used auto loans and $321,567,551 in total loans and leases, supporting 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 $31,202,553 in used vehicle loans and $7,390,823 in new vehicle loans already helping members get on the road. We can assist you whether you're interested in financing a new vehicle or a reliable used option. Plus, refinancing options are available if you're looking to lower your current payments.

Business Solutions

For business owners, our outstanding commercial loans totaling $74,969,882 provide the capital needed to grow and expand. Whether you're starting a new venture or looking to boost an existing one, we're here to support you every step of the way. At Desco, we are committed to transparency and service. For more information on our loan offerings or eligibility requirements, feel free to contact us at (740) 533-0830 during our office hours from 9:00 AM - 5:00 PM Monday through Friday. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. We look forward to assisting you with all your lending needs!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $11,595,550, make buying or refinancing simple. Our dedicated team can guide you through the mortgage process, ensuring you find the best fit for your budget and lifestyle.

Personal Financing Options

In addition to auto and mortgage loans, we also offer unsecured credit card loans with a total of $3,830,413 helping members manage their finances effectively. These cards come with flexible terms that allow you to control your spending while building your credit score.

Loan Aggregator

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Desco