Earthmover Credit Union Oswego IL | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Earthmover at our Baseline Branch, located at 2205 Baseline Road, Oswego, IL 60543. Established in 1958, we have proudly served our community for over six decades, building trust and providing financial solutions tailored to the needs of our 31,203 members. With total assets of $417,880,243, we understand the importance of financial stability. Our commitment is reflected in our total deposits of $49,997,891, showcasing our members' trust in us. We offer a diverse range of services including personal banking options like checking and savings accounts, auto loans, mortgage loans, and credit cards with rewards. Our mission is simple: to help you achieve your financial goals while making every banking experience seamless and personal. At Earthmover, we value community engagement and strive to make a positive impact. Under the leadership of CEO Kelly McDonough and Board President Ronald Westphal, our dedicated team of 89 employees is here to assist you with any questions or concerns you may have. Whether it's through our online banking services or in-person visits, we're committed to being there for you. While members can visit us at our branch address, official correspondence should be sent to our mailing address: PO Box 2937, Aurora, IL 60507. Feel free to reach out to us at 630-844-4950 or explore more about our services on our website at Earthmover Credit Union. We invite you to become part of a community that puts its members first come see what Earthmover can do for you!

Branch History & Mission

Join Us Today!

At Earthmover Credit Union in Oswego, you're not just another account number; you're part of a family that cares about your financial future. We invite you to join us today and experience firsthand the benefits that come from being a member of our community-focused credit union. Together, let's build a brighter financial future! For more information or assistance, call us at 630-844-4950 or visit our website at Earthmover Credit Union.

Our Journey

Earthmover was established with the simple goal of providing accessible financial services tailored to the needs of our community. As we evolved through the decades, we embraced innovation while staying true to our core values of trust, integrity, and customer care. Today, we offer a wide range of services including personal banking, auto loans, mortgage loans, and business banking solutions. Each service is designed to help our members achieve their financial goals. Our commitment to our members extends beyond traditional banking. We actively participate in community outreach efforts and partnerships that uplift our local area. From sponsoring local events to supporting educational initiatives, Earthmover believes in giving back and fostering growth within Oswego.

Our Mission

At Earthmover, our mission is clear: we strive to empower our members by providing exceptional financial services while enhancing their overall quality of life. We understand that each member's journey is unique; therefore, we are dedicated to offering personalized support and guidance every step of the way. We prioritize creating an inclusive environment where everyone feels welcome. With features like ADA compliance and shared service centers, we ensure that all members can access our services conveniently. Our digital advancements allow for easy online banking and mobile payments, making it simpler than ever to manage your finances on-the-go.

Visit Us

While members can visit us at 2205 Baseline Road, official correspondence should be sent to PO Box 2937, Aurora, IL 60507 if necessary. Our operating hours are designed for your convenience: Monday through Thursday from 9:00 AM to 5:00 PM; Wednesday from 9:00 AM to 1:00 PM; Friday from 9:00 AM to 6:00 PM; and Saturday from 9:00 AM to 12:30 PM. With an ATM available on-site and drive-thru banking options for quick transactions, Earthmover aims to provide hassle-free access to your funds whenever you need them.

Branch Location & Accessibility

Accessibility Features

We take pride in ensuring that everyone can access our services comfortably. Our branch is ADA compliant, featuring ramps and designated parking spaces for those with mobility needs. Whether you're visiting for a quick transaction or to explore our range of financial services, we strive to make your experience smooth and welcoming.

Banking Hours Designed for You

At Earthmover, we understand that your time is valuable. Our lobby hours are designed with flexibility in mind: we're open Monday, Tuesday, and Thursday from 9:00 AM to 5:00 PM; Wednesday from 9:00 AM to 1:00 PM; Friday from 9:00 AM to 6:00 PM; and Saturday from 9:00 AM to 12:30 PM. This variety allows you to visit us when it's most convenient for you.

Discover Our Convenient Location

Our branch is just a short drive from popular local spots like the Fox Valley Shopping Center and the scenic Oswego River. This prime location makes it easy for you to stop by whether you're running errands or enjoying a day out.

Services Tailored to Meet Your Needs

Whether you're looking for personal banking solutions like checking and savings accounts or loans for your next vehicle purchase, Earthmover has got you covered. We also offer online and mobile banking options for added convenience. If you prefer face-to-face interactions, our friendly staff is here to assist with deposits, withdrawals, and other transactions through our drive-thru service.

Visit Us Today!

We invite you to stop by Earthmover at 2205 Baseline Road or give us a call at 630-844-4950. Experience firsthand how we can help you achieve your financial goals!

Member Eligibility

Joining the Earthmover community is not just about banking; it's about being part of a family that supports each other. To become a member of Earthmover, located at 2205 Baseline Road, Oswego, IL 60543, you'll find that eligibility is welcoming and straightforward. If you live, work, worship, or attend school in the areas we serve, you're likely already eligible! We believe in making banking accessible for everyone, so whether you're looking to open a checking account or explore our various loan options, joining us can be a fulfilling experience. For more details on eligibility criteria, feel free to check out our website at earthmovercu.com. Getting started with your membership is easy! Simply give us a call at 630-844-4950 for any questions or visit us during our operating hours to get all the assistance you need. We're here to help guide you through the process of opening an account and becoming part of our supportive community. At Earthmover, we're excited to have you on board!

Business Banking & Commercial Services

Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $36 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, our merchant services simplify everyday transactions. Whether you run a bustling café or an online store, our payment processing solutions make it easy for your customers to pay. Imagine seamless transactions that enhance customer satisfaction while you focus on what you do best running your business. Visit us at 2205 Baseline Road, Oswego, IL 60543, or call us at 630-844-4950 to discover how we can support your business journey today!

Comprehensive List Of Services

ATM and Drive-Thru Services

Accessing your money should be straightforward. That's why we provide convenient ATM & Cash Withdrawal Services, along with a drive-thru facility for quick deposits and withdrawals. Our basic shared branch transactions allow partner credit union members to conduct deposits and withdrawals easily.

Business Banking Services

For small business owners and entrepreneurs, Earthmover offers essential Business Banking services. From Merchant Services that simplify transactions to tailored Business Loans, we're here to support your venture's growth and success.

Credit Options

We also understand that life can sometimes throw unexpected expenses your way. That's why we provide Personal Loans & Debt Consolidation services to help you take control of your finances when needed. For those who enjoy rewards while spending, our Credit Cards with Rewards are an excellent choice, allowing you to earn points on everyday purchases.

Digital Banking Convenience

In today's fast-paced world, convenience matters more than ever. With our robust Online & Mobile Banking, managing your accounts has never been easier. Check balances, transfer funds, and pay bills from anywhere at any time using our user-friendly mobile app or website.

Let's Connect!

No matter what financial service you need, Earthmover is here for you! Call us today at 630-844-4950 or visit us during our operating hours: Monday, Tuesday, Thursday from 9:00 AM - 5:00 PM; Wednesday from 9:00 AM - 1:00 PM; Friday from 9:00 AM - 6:00 PM; and Saturday from 9:00 AM - 12:30 PM. We look forward to serving you! For more information about all our services, visit us online at Earthmover.

Personal Banking Solutions

For those seeking personal banking solutions, we offer various options tailored just for you. Open a Checking or Savings Account that fits your lifestyle and helps you manage your money effectively. If you're thinking about purchasing a new car, our Auto Loans & Vehicle Financing can help you hit the road in no time. And if owning a home is on your horizon, don't hesitate to explore our Mortgage Loans & Refinancing options designed to suit your financial situation.

Digital & Online Banking

Mobile Banking at Your Fingertips

For those on the go, our mobile application offers all the functionality of online banking right from your smartphone. You can enjoy mobile payments too, making it easier than ever to pay for goods and services directly from your account. Although person-to-person transfers aren't available at this time, our app still provides a robust set of tools to manage your money effectively. In summary, Earthmover is committed to providing accessible and easy-to-use digital banking options that fit into your lifestyle. With everything from secure electronic signatures to convenient mobile applications, managing your finances has never been easier or safer!

Security You Can Trust

Your security is our top priority. We provide electronic signature authorization for transactions, which means you can sign documents securely from the comfort of your home. Plus, with features like e-statements available, you can keep track of your finances without the clutter of paper statements allowing for a more organized approach to your personal finance management.

Financial Strength

At Earthmover, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are proud to share that our financial health reflects our commitment to providing reliable services and support to our community. With a net worth of $81,695,030, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 19.54% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $65,171,342 in share certificates and $27,262,326 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. With $67,688,778 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 supported by $93,182 in used auto loans and a robust total of $250,436,625 in loans and leases, helping members achieve their financial goals across various sectors. Our operational efficiency is reflected in our net income of $0, which positions us well to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 85 full-time employees and 4 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team. The strength of Earthmover is evident in our member base as well our total share accounts stand at 54,768, showing a strong and growing community that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Earthmover is your trusted partner. Visit us at 2205 Baseline Road Oswego IL 60543 or call us at 630-844-4950 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Loan Offering

Additional Loan Options

Our credit lines are another great resource for those needing flexible funding solutions. With a total of $66,695,180 available in credit lines, you can access funds as needed without the hassle of applying for multiple loans. If you're considering any of these loan options or want to learn more about refinancing possibilities, feel free to reach out to us at 630-844-4950. Our friendly team is here to guide you through the process and answer any questions you may have. 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're committed to providing transparent information so you can make informed decisions about your financial future. Visit us at our branch located at 2205 Baseline Road Oswego IL 60543, or check out our website Earthmover for more details on all our services and how we can assist you today!

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $80,661,806 in used vehicle loans and $24,097,014 in new vehicle loans already helping members get on the road. Whether you're looking for a brand-new model or a reliable used car, we have financing options that fit your budget.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We provide Junior Lien 1-4 Family Residential Properties loans totaling $34,025,905, helping you take the next step toward owning your own home. Plus, our refinancing options can help you manage your current mortgage more effectively.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $21,693,121 in loans helping members manage their finances effectively. Our credit cards come with benefits that can assist you in handling daily expenses while building your credit score.

Loan Aggregator

How LendMesh Ensures 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 ensures fair and transparent offers for all users. Each loan listing is thoroughly vetted, giving you peace of mind that the comparisons you see are both current and reliable.

Key Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency in your options. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: With up-to-date loan rates from multiple institutions, users can make informed decisions without delay. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This testimonial reflects the reliability and effectiveness of LendMesh as a trusted tool for navigating loan options. 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.

EARTHMOVER CREDIT UNION - Oswego, IL

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