Desco Credit Union Wheelersburg OH | Convenient ATM & Shared Branch Services

Introduction

Welcome to Desco, your trusted financial partner located at 8790 Ohio River Rd, Wheelersburg, OH 45694. Established in 1963, we have proudly served our community for decades, building strong relationships with our 25,202 members who count on us for their financial needs. With total assets exceeding $508 million and total deposits of $69,431,046, Desco is committed to providing a safe and reliable banking experience. At Desco, we understand that every member has unique goals and dreams. That's why we offer a diverse range of products and services tailored to help you succeed, whether you're applying for one of our 14,232 loans or simply looking to grow your savings. Our team of dedicated professionals, led by CEO Jeff Lyons and Board President Richard Bussa, is here to assist you every step of the way. While members can visit us at our branch for personal service and support during our operating hours from 9:00 AM to 5:00 PM on weekdays (and from 9:00 AM to 1:00 PM on Saturdays for drive-thru), official correspondence should be sent to the same address listed above. With a net worth of $54,781,563 and cash in hand totaling $7,921,513, we maintain a strong financial foundation that ensures we can meet your needs today and in the future. Our focus goes beyond numbers; it's about making an impact in our community and helping our members achieve their financial aspirations. We invite you to explore what Desco has to offer by visiting us online at descofcu.org or calling us at 740-574-8406. Let's embark on this journey together!

Branch History & Mission

Community Engagement

We understand that financial institutions play a vital role in their communities. That's why Desco actively participates in various outreach programs aimed at enhancing financial literacy and supporting local events. We believe that when our community thrives, so do we as an organization. As technology advances, we have embraced digital solutions like online banking and mobile applications to ensure our members have access to their accounts anytime they need it. While we currently do not offer ATM services or drive-thru banking capabilities at this branch, we remain committed to providing essential banking functions efficiently. With a dedicated team led by Jeff Lyons as CEO and Richard Bussa as Board President, Desco is excited about the future. We invite you to join us on this journey toward financial empowerment. Become part of the Desco family today and experience firsthand the benefits of being a member of a credit union that truly cares about its community. For more information about joining or accessing our services, feel free to contact us at (740) 574-8406 or visit us online at descofcu.org. Together, let's build a stronger community!

Our Mission

At Desco, our mission is simple yet profound: to enhance the financial well-being of our members while actively contributing to the growth and vitality of Wheelersburg and beyond. We offer a range of services including loans, savings accounts, and basic shared branch transactions for partner credit union members. Our focus on community means we prioritize partnerships and outreach efforts that uplift local organizations and initiatives. While members can visit us at 8790 Ohio River Rd for all their banking needs, official correspondence should be sent to the same address. We are committed to making banking easy; our operating hours are designed with your convenience in mind open Monday through Friday from 9:00 AM to 5:00 PM. On Saturdays, our drive-thru service operates from 9:00 AM until 1:00 PM.

Branch Location & Accessibility

Connect with Us

If you have questions or need assistance, feel free to reach out! You can call us at 740-574-8406. We look forward to welcoming you at our Wheelersburg branch soon! Remember, while you can visit us at 8790 Ohio River Rd for all your banking needs, official correspondence should be directed to the same address. We are excited to serve you and help make your financial journey smooth and successful!

Nearby Landmarks and Accessibility

Situated near the scenic Ohio River, our branch is easily accessible and close to local landmarks that many residents know well. You can find us right off the main road, ensuring that you can stop by without any hassle. We prioritize accessibility for all members, featuring ADA-compliant entrances and ramps for your ease. Additionally, ample parking is available so you won't have to worry about finding a spot when you visit us.

Operating Hours

We understand that your time is valuable. That's why our lobby hours are set from 9:00 AM to 5:00 PM Monday through Friday, allowing you to come in during your busy day. If you prefer using our drive-thru service, we're open from 8:30 AM to 5:30 PM on weekdays and from 9:00 AM to 1:00 PM on Saturdays. We aim to make banking as convenient as possible!

Services Offered

At Desco, we offer essential services tailored for your needs, including basic shared branch transactions like deposits and withdrawals for partner credit union members. While we currently do not have ATM services at this branch, our team is ready to assist you with anything else you may need.

Member Eligibility

Joining the family at Desco is a wonderful step towards becoming part of a supportive community that truly cares about your financial wellbeing. Whether you live, work, worship, or attend school in our area, you can easily become a member! We aim to keep things simple and welcoming, so if you're looking for personalized service and great financial products, you've found the right place. For detailed eligibility requirements, feel free to check out our website at . Opening your account with us is just as easy. You'll find that we're here to guide you through every step of the process. If you have any questions or need assistance, don't hesitate to call us at (740) 574-8406. We look forward to welcoming you to Desco, located at 8790 Ohio River Rd Wheelersburg Oh 45694, where your financial goals become our priority!

Business Banking & Commercial Services

Merchant Services that Matter

Imagine running a bustling café or retail store; smooth transactions can make all the difference. Our merchant services ensure you can accept payments easily and securely, helping you focus on what you do best serving your customers. We offer tools and resources to streamline your payment processes, making it easier to manage sales and boost profitability. Located at 8790 Ohio River Rd Wheelersburg Oh 45694 in Wheelersburg, OH, we're here to help local businesses thrive. Reach out to us at (740) 574-8406 to learn more about how our business banking services can empower your goals!

Tailored Loan Options

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

Banking Made Easy

In today's busy world, having access to your finances anytime, anywhere is essential. That's why Desco offers online banking services that allow you to manage your accounts with just a few clicks. Whether you want to check your balance, transfer funds, or pay bills, our digital platform is user-friendly and secure. Plus, our mobile application keeps you connected on the go, making it simple to handle your banking needs from wherever you are.

Personalized Financial Solutions

We understand that each member has unique financial goals. That's why we offer personalized services tailored to help you achieve them. If you're looking for ATM services, we've got you covered with access to a network that ensures you can withdraw cash when needed. We also provide basic shared branch transactions, allowing partner credit union members to make deposits and withdrawals easily.

Support When You Need It

Our dedicated team is here to help you navigate your financial journey. Whether you're seeking guidance on loans or need assistance with everyday banking tasks, we're just a phone call away at (740) 574-8406. Our friendly staff takes pride in offering personalized service that makes every visit pleasant.

Visit Us Today!

At Desco, we believe in building relationships based on trust and support. We're here for all your banking needs whether it's through our online services or in-person visits during our lobby hours from 8:30 AM to 5:30 PM Monday through Friday. For those who prefer drive-thru convenience, we're available Saturday from 9:00 AM to 1:00 PM. Discover the difference at Desco today! We invite you to explore our services and see how we can assist you in reaching your financial goals. Visit us at 8790 Ohio River Rd Wheelersburg Oh 45694, give us a call at (740) 574-8406, or check out our website at http://www.descofcu.org . Your financial success starts here!

Digital & Online Banking

Accessibility & Support

With our commitment to making banking accessible for everyone, we provide resources to help you get started and navigate through our digital services confidently. Our team is always ready to assist if you have any questions about using online banking or other services. Join us at Desco today and take advantage of these great features that make managing your finances more straightforward than ever! Your time is valuable, and we're here to help you make the most of it.

Key Features

Managing your money has never been easier! With our electronic statements available, you can say goodbye to paper clutter and keep all your financial documents organized online. And for those quick transfers between friends or family, our person-to-person transfer feature makes sending money a breeze no need for cash or checks! If you're looking for a way to simplify payments, our mobile application is here to help. While we currently don't offer mobile payments, our app gives you access to all the essential features right at your fingertips. Plus, you can rest assured knowing that every transaction is protected with top-notch security measures.

Financial Strength

Commitment to 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 supports members' financial goals across various sectors with $2,925 in used auto loans and $321,567,551 in total loans and leases.

Growing Membership Base

Our commitment to excellence is evident as we proudly serve a growing member base with a total of 35,640 share accounts. This trust is essential as we continue to build long-lasting relationships within our community. In conclusion, 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 8790 Ohio River Rd Wheelersburg Oh 45694 or call (740) 574-8406 to learn more about how we can help you achieve your financial goals.

Member-Focused Savings

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 Excellence

Our 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, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Strong Financial Position

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.

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 flexible terms and competitive rates that make it easier for you to drive away with the vehicle you want.

Commercial Loans

For business owners, our outstanding commercial loans totaling $74,969,882 provide the capital needed to grow and expand. We understand the unique challenges businesses face and are here to support your ambitions with tailored lending solutions. If you're interested in refinancing or checking eligibility for any of our loan products, please reach out. Our friendly team at Desco, located at 8790 Ohio River Rd Wheelersburg Oh 45694, Wheelersburg, OH, is ready to assist you. You can call us at (740) 574-8406 during our operating hours from 9:00 am to 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. Visit us online at http://www.descofcu.org for more information on all our loan offerings!

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 guide you through the process to ensure that your journey to homeownership is smooth and straightforward.

Unsecured Credit Card Loans

Managing daily expenses can be challenging, but our flexible terms on unsecured credit card loans, with a total of $3,830,413 in loans, help members effectively manage their finances. These cards come with competitive interest rates and no hidden fees, making it easy for you to stay on track financially.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. This tool is designed to help consumers make informed decisions without the stress of sifting through countless offers. LendMesh ensures accurate loan comparisons by sourcing data 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 guarantees that all loan offers are fair and transparent, allowing users to trust the information they receive. One of the key benefits of using LendMesh is its Verified Data. Loan offers are sourced from legitimate financial institutions, ensuring transparency at every step. Furthermore, LendMesh takes pride in its No Sponsored Listings policy; lenders are not prioritized based on paid promotions. Instead, the platform focuses solely on providing unbiased results for its users. With Real-Time Rate Comparisons, users can access up-to-date loan rates from multiple institutions quickly. This feature empowers individuals to evaluate their options and select a loan that fits their needs best. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials reflect the effectiveness of this tool in guiding consumers toward better financial decisions. Compare real-time loan offers today at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

DESCO FEDERAL CREDIT UNION - Wheelersburg, OH