Directions Credit Union Toledo OH | Best Auto Loans & Business Banking

Introduction

Welcome to Directions, your trusted financial partner located at 3450 W Central Ave, Toledo, OH 43606. Established in 1953, we have proudly served our community for over six decades, helping more than 94,000 members achieve their financial goals. With total assets reaching an impressive $1,246,963,828, we are committed to providing a wide range of services designed to meet your personal and business banking needs. At Directions, we understand that financial decisions can be daunting. That's why our dedicated team is here to guide you every step of the way. Under the leadership of CEO Barry Shaner and Board President Jay Malcolm, our experienced staff of 293 employees is ready to assist you with everything from checking and savings accounts to auto loans, mortgages, and even business financing. While members can visit us at our branch for friendly service and expert advice, any official correspondence should be sent to the same address: 3450 W Central Ave, Toledo, OH 43606. Our robust offerings include online and mobile banking options, ensuring you have easy access to your funds whenever you need them. We are proud of our strong financial standing, with total deposits of $110,540,206 and net worth of $118,553,918. Whether you're looking for a loan our total loans exceed 45,944 or need help with investments or savings plans, we have the resources to support your journey. Join us today by visiting our website at directionscu.org or calling us at 419-535-3255. Let Directions be part of your financial success story!

Branch History & Mission

Community Impact

Beyond banking, we value partnerships that strengthen our community fabric. Our involvement in local events and charitable efforts allows us to give back and support causes that matter most to our members. We are more than just a credit union; we are your neighbors committed to improving lives. While members can visit us at 3450 W Central Ave for their banking needs, official correspondence should be sent to the same address. If you're looking for financial guidance or want to join a community-focused institution, we invite you to explore all that Directions has to offer.

Join Us

Discover how Directions can make your financial journey smoother and more rewarding. Experience personalized service designed with you in mind join us today! For any inquiries or assistance, feel free to reach out at 419-535-3255. We look forward to welcoming you into the Directions family!

Our Evolution

From the day we opened our doors, our commitment has been to provide exceptional financial services while fostering a sense of belonging among our members. Over the years, we have expanded our offerings to meet the evolving needs of our community. Today, we proudly manage total assets exceeding $1.2 billion, ensuring that we can support our members through various financial stages from first-time auto loans to comprehensive mortgage solutions. Our growth is not just measured by numbers; it reflects the trust and loyalty we've built within the community. We have also embraced technological advancements to offer online and mobile banking services for added convenience. With features like electronic signatures and mobile payments, we aim to make banking easier for you.

Our Mission

At Directions, our mission is simple yet powerful: to empower individuals and families through accessible financial solutions while actively supporting community initiatives. We believe in making a difference not only through personal banking services but also by engaging in outreach programs that uplift those around us. We are proud to provide shared service center access for members of partner credit unions and strive to ensure everyone feels welcome at our branch. Whether you're visiting us during lobby hours or utilizing our drive-thru services, our dedicated team is here to assist you with warmth and expertise.

Branch Location & Accessibility

Welcome to Directions Credit Union, conveniently located at 3450 W Central Ave in Toledo, OH. Our branch is nestled in a vibrant area, making it easy for you to stop by and access our services. Whether you're heading to nearby landmarks or just passing through, we're here to help you with all your banking needs. While members can visit us at 3450 W Central Ave, official correspondence should be sent to the same address for your convenience. Our branch is fully accessible, featuring ADA-compliant ramps and parking spaces that ensure everyone can easily reach us. If you're looking for a quick transaction, we also have a drive-thru available for your convenience. At Directions Credit Union, we want to make banking as easy as possible. Our operating hours are designed to fit your busy schedule: we're open from Monday to Thursday from 9:00 a.m. to 5:00 p.m., Friday from 9:00 a.m. to 6:00 p.m., and Saturday from 9:00 a.m. to 12:00 p.m. If you need assistance outside these hours, don't hesitate to give us a call at 419-535-3255. We offer a range of services including personal banking options like checking and savings accounts, auto loans, mortgage loans, and credit cards with rewards. Plus, our ATM is available for cash withdrawals anytime you need it! As part of our commitment to serve our community better, we also participate in shared services with partner credit unions. We invite you to visit Directions Credit Union today! Experience how we can help you achieve your financial goals in a friendly and supportive environment. Your journey towards smarter banking starts here!

Member Eligibility

Becoming a member of Directions is like joining a family that cares about your financial well-being. We welcome anyone who lives, works, or worships in our community, as well as their family members. This means you can enjoy all the benefits we offer, from personalized banking services to competitive rates on loans and savings. Membership opens the door to a range of financial products tailored just for you, making it easier to achieve your goals. If you're ready to join us at Directions, simply visit our website for detailed eligibility criteria at . You can also start the account opening process online by following this link: https://app.loanspq.com/apply.aspx?enc=kw21wblm1yxpjjabdozadytippn7sd-1es4oeilv6ojrjhiapv6l7vvdnofex_oubxct8-zgzbf04gqlpoa4dnkykdj-utsw0r2lx4anev06xn-wonj7yw_idgpoxxlqmcxiqcd3h1d0wjy8tv_acg . If you have any questions or need assistance, feel free to give us a call at (419) 535-3255. We're here to help you every step of the way!

Business Banking & Commercial Services

Merchant Services That Work for You

Imagine running your business with seamless payment processing that keeps your cash flow steady. Our merchant services offer just that allowing you to accept payments easily from customers, whether they shop online or in-store. By choosing Directions, you're not just getting a bank; you're gaining a partner focused on your success. Located at 3450 W Central Ave Toledo Oh 43606 in Toledo, OH, we invite you to explore how our business banking solutions can empower your entrepreneurial journey. Let's work together to turn your goals into reality! For more information, call us at (419) 535-3255 or visit us online at https://directionscu.org/ .

Tailored Loan Solutions

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.

Comprehensive List Of Services

Accessibility & Support

We pride ourselves on being accessible to all our members. Our branch offers basic shared branch transactions for partner credit union members so that you can perform deposits and withdrawals with ease no matter where you are. Whether visiting us in person at 3450 W Central Ave Toledo Oh 43606 or reaching out via phone at (419) 535-3255, we're here to assist you during our operating hours: Monday - Thursday from 9:00 a.m. - 5:00 p.m., Friday until 6:00 p.m., and Saturday from 9:00 a.m. - 12:00 p.m. At Directions, we're not just about transactions; we're about building relationships that last a lifetime. We invite you to explore all the services we offer by visiting us at our website or giving us a call today! Your financial journey starts here with us let's navigate it together!

Business Banking Services

For our business members, we offer comprehensive solutions that help manage and grow your enterprise. Our merchant services make transactions easy while ensuring fast access to your funds. Additionally, if you're in need of capital, our business loans provide flexible financing options designed specifically for small business needs.

Convenient Digital Banking Features

In today's fast-paced world, convenience is key. That's why at Directions, we've embraced technology to provide robust digital banking solutions. With our online and mobile banking, managing your accounts is just a click or tap away. You can check balances, transfer funds, pay bills, and even send money to friends through our convenient person-to-person payment service. For those who prefer face-to-face interaction, we also have an ATM available for quick cash withdrawals as well as basic drive-thru banking for deposits and simple transactions.

Personal Banking Solutions

Our personal banking services are tailored to simplify your everyday financial tasks. We offer various checking and savings accounts that cater to different lifestyles and savings goals. If you're planning to purchase a vehicle, our auto loans and vehicle financing options provide competitive rates and flexible terms. For those dreaming of homeownership or looking to refinance their current mortgage, our mortgage loans and refinancing services ensure you get the best possible deal. If life throws unexpected expenses your way, our personal loans and debt consolidation options can give you the support you need without added stress. Plus, with our credit cards featuring rewards, every purchase can bring you closer to exciting perks.

Digital & Online Banking

Accessibility and Support

Whether you're at home or out and about, Directions makes banking accessible for everyone. With our online services available around the clock, you have real-time control over your finances. If you ever need assistance or have questions, our dedicated team is ready to help. With all these features combined, managing your money has never been easier or more secure! Explore our digital offerings today at https://directionscu.org/ and experience the freedom of modern banking with Directions.

Key Features

Our online banking is user-friendly and offers robust security features to keep your information safe. You can enjoy the benefits of e-statements, which are not only eco-friendly but also provide easy access to your account statements without the clutter of paper. If you're on the go, our mobile application lets you manage your finances right from your smartphone. Plus, with mobile payments available, you can make purchases quickly and securely with just a few taps. Need to send money to friends or family? Our person-to-person transfer feature makes it simple and quick, so you can send funds without hassle. And if you prefer the ease of using electronic signatures for transactions, Yes ensures that signing documents is straightforward and secure.

Financial Strength

Member-Centric Savings

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

Reinvestment for 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 commitment to growth is evident in our lending capacity; with $15,056 in used auto loans and $1,007,191,996 in total loans and leases, we support members' financial goals across various sectors.

Solid Financial Health

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.

Strong Community Trust

Total Share and Deposit Accounts: 184,347, showing a strong and growing member base that trusts us with their finances. Net Shares available for lending and investments stand at $44,297,186. This illustrates our ability to not just meet but exceed your expectations when it comes to managing your money. 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 3450 W Central Ave Toledo Oh 43606 or call (419) 535-3255 to learn more about how we can help you achieve your financial goals.

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 considering a brand-new model or a reliable used vehicle, our flexible terms can make your purchase easier and more affordable.

Business Loans

For business owners, our outstanding commercial loans totaling $16,907,485 provide the capital needed to grow and expand. We understand the unique challenges businesses face and are here to support your journey with tailored financing solutions. If you're considering refinancing any existing loans or exploring eligibility options for our various loan products, please don't hesitate to reach out. Our team at Directions is committed to providing clear guidance tailored to your individual needs. You can contact us at (419) 535-3255, or visit us at our branch located at 3450 W Central Ave Toledo Oh 43606 in Toledo, OH. We look forward to assisting you on your financial journey! Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Credit Lines and Unsecured Credit Cards

Managing your day-to-day expenses is made easier with our credit lines totaling $221,697,947. These lines are designed for flexibility and convenience, ensuring you have access to funds when you need them most. Additionally, 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.

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 aim to provide you with competitive rates and personalized service to guide you through the home-buying process.

Loan Aggregator

Benefits of Using LendMesh

LendMesh prioritizes transparency and reliability in every aspect: - Verified Data: All loan offers come from legitimate financial institutions. This verification process ensures that users are presented with genuine options. - No Sponsored Listings: Unlike other platforms, LendMesh does not prioritize lenders based on paid promotions. The goal is to provide unbiased results for every user. - Real-Time Rate Comparisons: Users can access up-to-date loan rates from multiple institutions, helping them make well-informed decisions quickly. Thousands of users trust LendMesh for their loan comparisons. One member shared their experience: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" 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.

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 strict sourcing ensures that all offers are fair and transparent, allowing users to make informed choices without second-guessing the integrity of the information they receive.

DIRECTIONS CREDIT UNION