Directions Credit Union Ashland OH | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Directions Credit Union, your trusted partner in financial wellness since 1953. Located at 1306 Cleveland Ave, Ashland, OH 44805, we pride ourselves on serving our community with a commitment to member satisfaction and financial growth. With over 94,000 members and assets totaling an impressive $1,246,963,828, we are dedicated to providing a range of financial services that cater to your needs from personal banking solutions to business loans. At Directions Credit Union, we understand the importance of community. Our team of 293 employees, led by CEO Barry Shaner and Board President Jay Malcolm, is here to ensure you receive personalized service every step of the way. Whether you're looking for an auto loan or a mortgage, our diverse offerings include checking and savings accounts, credit cards with rewards, and online banking options designed for convenience. While members can visit us at our Ashland branch, official correspondence should be sent to the same address: 1306 Cleveland Ave, Ashland, OH 44805. With total deposits reaching $110,540,206 and a net worth of $118,553,918, you can trust that your finances are in capable hands. We're not just about numbers; we're about making a difference in people's lives. Join us in our mission to foster financial literacy and empowerment within our community. Ready to take the next step? Call us today at 419-207-1818 or visit our website at Directions Credit Union for more information on how we can assist you in achieving your financial goals.

Branch History & Mission

Join Us

While members can visit us at 1306 Cleveland Ave, official correspondence should be sent to the same address. With an ATM available and drive-thru banking options for added convenience, we make it easy for you to manage your finances on your terms. If you're looking for a credit union that genuinely cares about your success and well-being, we invite you to join Directions Credit Union today! Experience firsthand the benefits of being part of a community-focused financial institution dedicated to helping you thrive. For more information or to become a member, please call us at 419-207-1818 or visit our website. Together, let's build a brighter financial future!

Our Mission

At Directions Credit Union, our mission is simple yet powerful: to improve the financial well-being of our members while contributing positively to the communities we serve. We strive to offer personalized service and innovative products that help you achieve your financial goals be it saving for a home, planning for retirement, or managing everyday expenses. We understand that each member's journey is unique. That's why we prioritize building lasting relationships based on trust and transparency. Our friendly staff is always ready to assist you during our operating hours Monday through Friday from 9:00 a.m. to 5:00 p.m., and Saturday from 9:00 a.m. to 12:00 p.m. ensuring you're supported every step of the way.

Our Story

Directions Credit Union was founded with a clear purpose: to empower individuals and families by offering accessible financial solutions tailored to their needs. Over the years, we've expanded our services beyond traditional banking, embracing digital advancements to enhance member experiences. Today, our members benefit from modern conveniences like online banking, mobile payments, and person-to-person transactions all designed with your needs in mind. Our branch is not just a place for transactions; it's a hub for community engagement. We pride ourselves on our partnerships with local organizations and schools, working tirelessly to give back through various outreach initiatives. Whether it's sponsoring local events or providing financial literacy workshops, we believe that supporting our community strengthens us all.

Branch Location & Accessibility

Accessibility and Parking

At Directions, we prioritize accessibility for all our members. Our branch features ADA-compliant entryways and ramps, ensuring everyone can access our services comfortably. We also provide ample parking space right outside the entrance, making it convenient for you to visit us.

Contact Us

We're excited to help you achieve your financial goals! If you have any questions or need assistance, please don't hesitate to call us at 419-207-1818. We look forward to welcoming you at Directions Credit Union in Ashland!

Nearby Landmarks

Whether you're coming from downtown or nearby neighborhoods, you'll find us just a short drive away from the vibrant Ashland Town Center. If you're in the area enjoying some shopping or dining, we invite you to swing by and see how we can assist you with your financial journey.

Operating Hours

We understand that life can be busy, so we have designed our hours to accommodate your schedule. Our lobby hours are Monday through Friday from 9:00 a.m. to 5:00 p.m., and on Saturdays, our drive-thru is open from 9:00 a.m. to 12:00 p.m. Whether you need assistance during the week or on the weekend, we're here for you.

Services Offered

At Directions Credit Union, we offer a wide range of services tailored to meet your needs, including personal banking options like checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and much more. You can also take advantage of our online and mobile banking services for added convenience. For those who prefer face-to-face interactions or need quick transactions, our drive-thru service allows you to handle deposits and withdrawals without leaving your vehicle. Plus, as part of our commitment to serving our community better, we offer shared services with partner credit unions for even more flexibility.

Member Eligibility

Becoming a member of Directions means joining a warm and welcoming community that truly cares about your financial well-being. If you live, work, or worship in the Ashland area, you're likely eligible to become part of our family! We're proud to offer a variety of services tailored to your needs, from personal banking and auto loans to business services. It's easy to join us simply visit our website for more details on eligibility criteria at . Once you're ready to take the next step, opening an account is just a click away. You can start your membership application by visiting https://app.loanspq.com/apply.aspx?enc=kw21wblm1yxpjjabdozadytippn7sd-1es4oeilv6ojrjhiapv6l7vvdnofex_oubxct8-zgzbf04gqlpoa4dnkykdj-utsw0r2lx4anev06xn-wonj7yw_idgpoxxlqmcxiqcd3h1d0wjy8tv_acg . If you have any questions or need assistance along the way, don't hesitate to give us a call at (419) 207-1818. We can't wait to welcome you to Directions, located at 1306 Cleveland Ave Ashland Oh 44805, where your financial journey begins with support and care!

Business Banking & Commercial Services

Financing Your Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $115 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $65 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $16,907,485, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services That Matter

In addition to loans, we offer merchant services designed to simplify transactions for your business. Imagine being able to accept payments from customers seamlessly whether they're using cards or mobile payments. Our services help you streamline sales processes, allowing you to focus on what you do best: running your business. Visit us at 1306 Cleveland Ave Ashland Oh 44805 in Ashland, OH, or call us at (419) 207-1818 to discover how our business banking and commercial services can support your goals. Let's grow together!

Comprehensive List Of Services

Business Banking Essentials

For those of you who run businesses or are thinking about starting one, our business banking services include merchant services and business loans tailored to help entrepreneurs thrive. We understand the unique challenges faced by small businesses and are here to support your growth.

Convenient Digital Banking

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking solutions. With just a few taps on your smartphone or clicks on your computer, you can manage accounts, transfer funds, pay bills, and even make person-to-person payments effortlessly. Our ATM services ensure that cash withdrawal is always within reach.

Personal Banking Solutions

Our personal banking services are designed to help you manage your money efficiently. You can open checking and savings accounts that fit your lifestyle, ensuring that you have access to funds when you need them. If you're thinking about buying a car, our auto loans and vehicle financing options can make it easier for you to drive off with the keys in hand. Additionally, if homeownership is on your mind, our mortgage loans and refinancing services provide flexible solutions to get you into your dream home.

Simple Transactions Made Easy

We also recognize that sometimes all you need are basic banking services. Our drive-thru banking allows for quick deposits and withdrawals without leaving your car. Plus, if you're a member of another partner credit union, our shared branch transactions mean you can deposit or withdraw funds easily at our location. At Directions, we strive to be more than just a financial institution; we want to be your trusted partner in achieving financial success. With our friendly staff ready to assist you at any time during our operating hours Monday through Friday from 9:00 a.m. to 5:00 p.m., and Saturday from 9:00 a.m. to 12:00 p.m. you'll always find support when you need it most. For more information about how we can assist you or if you're ready to take the next step in managing your finances, don't hesitate to reach out at (419) 207-1818 or visit us online at Ashland. Let's work together towards a brighter financial future!

Support for Your Financial Goals

Sometimes life throws unexpected expenses our way, which is why we offer personal loans and debt consolidation options. These services can help lighten the load by providing the financial support you need during tough times. Plus, with our credit cards featuring rewards programs, every purchase can earn you something back.

Digital & Online Banking

Convenient Features

Need to review your statements? Sign up for e-statements! They're available at any time, giving you quick access without the clutter of paper. If you prefer mobile banking, our user-friendly mobile application lets you handle everything from deposits to payments right from your smartphone. Plus, with mobile payments enabled, making purchases is just a tap away.

Easy Transactions

We also make it simple to send money to friends or family through our person-to-person transfer feature. Whether it's splitting a bill or sending a gift, you can do it quickly and easily. At Directions, we believe that banking should be straightforward and accessible. Our online banking services empower you to take control of your finances efficiently while enjoying peace of mind knowing that you're protected every step of the way. Join us today and experience how easy managing your money can be!

Online Banking Services

Visit us at https://directionscu.org/ to explore our online banking platform. Here, you can check your balances, transfer funds, and manage your accounts with just a few clicks. We prioritize your security with features like electronic signature authorization, ensuring that your transactions are safe and protected.

Financial Strength

Commitment to Growth

With $92,308,733 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our $15,056 in used auto loans and $1,007,191,996 in total loans and leases showcase our lending capacity that supports members' financial goals across various sectors.

Growing Member Base

With a total of 184,347 share accounts, we show a strong and growing member base that trusts us with their finances. Net Shares available for lending and investments stand at $44,297,186, further demonstrating our capacity 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, Directions is your trusted partner. Visit us at 1306 Cleveland Ave Ashland Oh 44805 or call (419) 207-1818 to learn more about how we can help you achieve your financial goals.

Member-Centric Approach

Members' savings are secured through $183,334,097 in share certificates and $242,571,721 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 $6,003,768 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 285 full-time employees and 8 part-time employees who ensure our branches are always ready to serve you with a knowledgeable, committed team.

Solid Foundation

With a net worth of $118,553,918, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $956 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 $234,597,779 in used vehicle loans and $155,367,064 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've got options that fit your budget.

Business Loans

For business owners, our outstanding commercial loans totaling $16,907,485 provide the capital needed to grow and expand. We understand that running a business comes with unique challenges, and we are here to support you with tailored financing solutions.

Financing Made Easy

At Directions, we believe everyone should have access to financial resources that empower them. We offer refinancing options for those looking to lower their monthly payments or adjust their loan terms. If you're unsure about your eligibility or want more information about our products, please reach out at (419) 207-1818 or visit us at 1306 Cleveland Ave Ashland Oh 44805, Ashland, 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. Let us help you take the next step toward achieving your financial aspirations today!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $68,346,480, make buying or refinancing simple. We provide straightforward processes and support every step of the way, so you can focus on making your dream home a reality.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $42,435,616 in loans helping members manage their finances effectively. This option is ideal for those looking to consolidate debt or make purchases without needing collateral.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring 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 ensures that all loan offers are fair and transparent. By focusing on verified institutions, LendMesh guarantees the reliability of the information presented to users.

Take Action Today

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.*

DIRECTIONS CREDIT UNION