Desco Credit Union Lucasville OH | Affordable Auto Loans & Checking

Introduction

Welcome to Desco Federal Credit Union, where your financial well-being is our top priority! Located at 19 High Street, Lucasville, OH 45648, we have been serving our community since 1963. With over 25,000 members and a solid commitment to helping individuals and families achieve their financial goals, we take pride in offering personalized service and a range of banking solutions tailored just for you. At Desco, we understand that trust is key when it comes to managing your money. That's why we've built a strong foundation of reliability with total assets exceeding $508 million and total deposits of $69,431,046. Our dedicated team, led by CEO Jeff Lyons and Board President Richard Bussa, works tirelessly to provide you with the best possible services. We currently employ 114 staff members who are here to assist you every step of the way. While you can visit us at our branch location, please note that official correspondence should be sent to our mailing address: 401 Chillicothe St, Portsmouth, OH 45662. We encourage you to explore our offerings, which include personal banking accounts, auto loans, mortgages, and business banking solutions designed to meet all your needs. With a net worth of $54,781,563 and cash in hand amounting to $7,921,513, you can feel secure knowing that your funds are in capable hands. Our commitment to the community goes beyond banking; it extends into supporting local initiatives and fostering economic growth through responsible lending practices. If you're looking for a credit union that puts its members first and values community connection as much as financial success, then look no further than Desco Federal Credit Union. Feel free to reach out at 800-488-0746 or visit us online at descofcu.org to learn more about how we can help you thrive financially. We can't wait to welcome you into our family!

Branch History & Mission

Desco Federal Credit Union, known as Desco, has a rich history that dates back to its founding in 1963. Located at 19 High Street in the heart of Lucasville, Ohio, our branch has grown alongside the community it serves. Over the years, we have expanded our services and membership base, now proudly supporting over 25,000 members with total assets exceeding $508 million. Our journey began with a simple mission: to provide financial services that empower individuals and families to achieve their goals. This mission remains at the core of everything we do. We strive to deliver not only competitive financial products like checking and savings accounts, auto loans, and mortgages but also invaluable support to our community through outreach initiatives and partnerships. While members can visit us at 19 High Street Lucasville Oh 45648, official correspondence should be sent to 401 Chillicothe St, Portsmouth, OH 45662. We are committed to ensuring accessibility for everyone. Our facilities feature ADA compliance, an ATM for easy cash access, and a drive-thru banking option for added convenience. At Desco, we believe in fostering strong relationships with our members. Our dedicated team is here to assist you during our operating hours from 8:30 AM to 5:30 PM, Monday through Friday. You can reach us at (800) 488-0746 for any inquiries or support you may need. As we look ahead, we continue to embrace digital advancements such as online banking and mobile applications that make managing your finances easier than ever. Our commitment to customer service is unwavering; we aim to create solutions tailored specifically for you. Join us in shaping a better financial future together! Experience the benefits of being part of Desco Federal Credit Union today and see how we can help you thrive within our community.

Branch Location & Accessibility

Accessibility and Amenities

At Desco, we prioritize accessibility for all members. Our branch features ADA-compliant ramps and spacious parking options, ensuring that everyone can visit us comfortably. If you need assistance, our friendly staff is always ready to help. For those who prefer not to come inside, we offer a drive-thru service that allows you to complete essential transactions without leaving your vehicle. You can also access our ATM on-site for quick cash withdrawals and balance checks.

Additional Information

While members can visit us at 19 High Street, official correspondence should be sent to our mailing address at 401 Chillicothe St, Portsmouth, OH 45662. If you have any questions or need assistance, please don't hesitate to call us at 800-488-0746. We invite you to come experience the personal touch of Desco Federal Credit Union. Our dedicated team is here to help with everything from checking and savings accounts to auto loans and mortgages. We look forward to welcoming you soon!

Operating Hours

We understand that life can be busy! That's why our lobby hours are designed to fit your schedule. We're open Monday through Friday from 8:30 AM to 5:30 PM, allowing ample time for you to visit us after work or during lunch breaks.

Member Eligibility

At Desco, we believe that everyone deserves the chance to be part of a caring and supportive community. Becoming a member is simple and welcoming! If you live, work, or worship in the area, you're likely eligible to join us at our branch located at 19 High Street Lucasville Oh 45648. We warmly invite individuals who share our values and vision to take part in our credit union family. Not only will you gain access to a variety of financial services tailored for your needs, but you will also enjoy the benefits of being part of an organization dedicated to your financial well-being. To learn more about the specific eligibility criteria and how easy it is to open an account with us, feel free to check out our detailed information at . If you have any questions or need assistance, don't hesitate to reach out to us at (800) 488-0746. We're here to help you every step of the way as you embark on this exciting journey with Desco!

Business Banking & Commercial Services

Business Loan Options

Imagine securing the funding you need to buy new equipment or hire additional staff. 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.

Merchant Services

In today's fast-paced world, efficient payment processing can set your business apart. Our merchant services make transactions smoother for both you and your customers. From credit card processing to online payment options, we provide tools that allow you to focus on what you do best running your business. Visit us at 19 High Street Lucasville Oh 45648 in Lucasville, OH, or give us a call at (800) 488-0746 to learn how we can support your business journey.

Comprehensive List Of Services

ATM & Cash Withdrawal Services

With our ATM availability and drive-thru services, withdrawing cash or making deposits has never been easier. You can handle simple transactions without stepping inside the branch! At Desco Federal Credit Union, we aim to make banking as straightforward as possible. Our friendly staff is always available at 800-488-0746 during lobby hours from 8:30 AM to 5:30 PM, ready to assist with any inquiries about our services. Your financial well-being is important to us; come see how we can help! Visit us at our branch in Lucasville or explore more online at www.descofcu.org. We look forward to serving you!

Auto Loans & Vehicle Financing

If you're considering purchasing a new car or refinancing an existing auto loan, look no further than our competitive auto loans and vehicle financing options. We understand that buying a car is a big decision, and our team is ready to guide you through the process with personalized support.

Business Banking

For entrepreneurs and small business owners, our business banking services, including merchant services and business loans, are crafted to help you thrive in today's economy. Let us support your vision so that you can focus on growing your business without worrying about financing hurdles.

Credit Cards with Rewards

Enjoy the benefits of spending with our credit cards featuring rewards programs that let you earn points for everyday purchases. Imagine earning cash back or travel rewards just by using your card for things you'd buy anyway!

Mortgage Loans & Refinancing

Looking to buy your dream home? Our mortgage loans come with flexible terms that cater to your budget. If you already own a home, we offer refinancing options that could lower your monthly payments or help you tap into your home's equity. Picture yourself settling into a cozy new space or saving money on your current mortgage.

Online & Mobile Banking

Convenience is key in today's fast-paced world, which is why we offer robust online and mobile banking services. Access your accounts anytime, anywhere whether it's checking balances, transferring funds, or making payments everything is just a click away.

Personal Banking

Our personal banking services are designed to help you achieve your financial goals. With checking and savings accounts, you can easily manage your day-to-day expenses while also saving for those special moments in life. Imagine having peace of mind knowing that your money is safe and accessible whenever you need it.

Personal Loans & Debt Consolidation

Sometimes life throws unexpected expenses our way. Our personal loans can provide the financial relief you need. Additionally, if you're juggling multiple debts, consider our debt consolidation solutions to simplify your payments and reduce stress.

Digital & Online Banking

Explore Our Online Services

Visit us at http://www.descofcu.org to dive into a world of online banking that fits your lifestyle. Our platform is user-friendly, allowing you to check balances, make transfers, and pay bills with just a few clicks. Plus, if you prefer paperless options, we offer e-statements for easy access and management of your account statements no more clutter!

Real-Time Management

Need to send money to a friend? Our person-to-person transfer feature lets you do that quickly and securely. Whether it's splitting a dinner bill or sending a gift, it's all done right from your phone or computer. If you're on the move, don't worry! Our mobile application gives you the same features as online banking right in your pocket.

Security You Can Trust

We know security is a top concern when it comes to managing your money online. While we currently do not support electronic signature authorization, we still prioritize keeping your information safe through robust security measures. Rest assured that our online banking system is designed with your protection in mind. Join us at Desco today and take advantage of our digital banking services that are tailored to meet your needs. Experience the ease of managing your finances at any time because financial freedom should be just a click away!

Financial Strength

Committed Team Ready to Serve You

We take pride in having 113 full-time employees and 1 part-time employees who are dedicated to serving you with expertise and care. You can always count on our knowledgeable team to assist you with your banking needs.

Focused on Our Members

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.

Growing Member Base

Total Share and Deposit Accounts: 35,640, showing a strong and growing member base that trusts us with their finances. This trust fuels our commitment to providing the best possible services tailored just for you. 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 19 High Street Lucasville Oh 45648 or call (800) 488-0746 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our impressive $2,547,674 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members.

Reinvesting for Better Services

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. This commitment to growth translates into improved services that cater to your needs.

Secure 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. This means your hard-earned money is not only safe but also working for you.

Strong Capital Foundation

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.

Supporting Your Financial Goals

Our lending capacity supports members' financial goals across various sectors, with $2,925 in used auto loans and $321,567,551 in total loans and leases available. Whether you're looking to purchase a vehicle or need funds for other important purchases, we're here to help make those dreams a reality.

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 provide financing options for both new and used vehicles, ensuring that you can find the right plan that suits your budget.

Business Loans

For business owners, our outstanding commercial loans totaling $74,969,882 provide the capital needed to grow and expand. If you're looking to invest in your business or need support for operational costs, our team is here to help.

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. We offer guidance through every step of the process so you can feel confident in your decision.

Refinancing Options

If you currently have existing loans that are becoming burdensome, consider our refinancing options. We can help lower your monthly payments and adjust terms to better suit your financial situation. At Desco, we believe in making borrowing straightforward and accessible. Our dedicated team is ready to assist you at every turn. For more information about our loan offerings or eligibility requirements, feel free to give us a call at (800) 488-0746 or visit us at our branch located at 19 High Street Lucasville Oh 45648 in Lucasville, OH. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Unsecured Credit Card Loans

Managing day-to-day expenses is easier with our unsecured credit card loans. We also offer flexible terms on unsecured credit card loans, with a total of $3,830,413 in loans helping members manage their finances effectively. This option allows you to cover unexpected costs without breaking the bank.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring Accurate 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 to sourcing data ensures that all offers presented are fair and transparent. Users can trust that they are viewing accurate information tailored to their needs.

Desco