Educational Community Alliance Toledo OH Credit Union | Affordable Vehicle Loans & Quick Personal Loans

Introduction

Welcome to Educational Community Alliance, your trusted partner in financial well-being since 1934. Located at 3845 Angola Rd, Toledo, OH 43615, we take pride in serving our community with a commitment to help you achieve your financial goals. With over 5,600 members and $60,923,898 in total assets, we are here to support you through every step of your financial journey. At Educational Community Alliance, we understand that each member's needs are unique. That's why we offer a range of services tailored to fit various lifestyles from personal banking options like checking and savings accounts to loans for vehicles and mortgages. Whether you're looking to finance a new car or consolidate debt, our dedicated team is ready to assist you. Our leadership team, headed by CEO Beth Carpenter and Board President Bradley Aemisegger, is committed to fostering an inclusive environment where members feel valued and supported. We have a robust workforce of 12 employees, all focused on delivering exceptional service. While you can always reach us at the branch for assistance or inquiries at (419) 381-2323, if you prefer official correspondence, please send it to our mailing address: 3845 Angola Rd, Toledo, OH 43615. With a strong foundation built on trust and community spirit, we invite you to explore how Educational Community Alliance can help enhance your financial future. Visit us online at educacu.com or stop by our branch today!

Branch History & Mission

Community Focus

Our impact extends beyond financial services. We actively engage in partnerships and outreach programs within the Toledo community. Whether it's sponsoring local events or participating in educational initiatives, we strive to uplift those around us. By working together with local organizations and schools, we aim to create opportunities that benefit everyone. As technology evolves, so do we! Our digital advancements include online banking options that allow members to manage their accounts from anywhere. We're also proud of our commitment to ADA compliance, ensuring that all members can access our services comfortably. As you consider joining us at Educational Community Alliance, remember that you're not just choosing a credit union; you're becoming part of a community dedicated to your success. We invite you to explore what we offer and experience firsthand how our values align with your financial needs. For more information or to start your membership journey today, call us at 419-381-2323 or visit our website at www.educacu.com. Together, let's build a brighter future!

Our Mission

At Educational Community Alliance, our mission is simple yet powerful: to empower our members through exceptional financial services while fostering community support. We believe that banking should be more than just transactions; it should be about building relationships and helping people thrive. Our range of services includes personal banking options such as checking and savings accounts, auto loans, mortgage loans, and credit cards with rewards. For businesses, we offer merchant services and business loans tailored to meet their unique needs. We are committed to making banking convenient for everyone. Our operating hours reflect this dedication: Monday through Thursday from 9:00 AM to 4:30 PM, Friday until 5:30 PM, and Saturday mornings until noon. Additionally, we provide drive-thru banking for quick service and an ATM for easy access to cash.

Branch Location & Accessibility

Connect With Us

Ready to explore what we have to offer? Stop by or give us a call at 419-381-2323! We look forward to welcoming you into our community where your financial well-being is our top priority.

Easy Access and Amenities

Our branch is designed with your comfort in mind. Ample parking is available right outside, ensuring you can visit us without any hassle. For those who may need assistance, we have ADA-compliant features in place, including ramps for easy entry. Need to make a quick transaction? Our drive-thru service allows you to handle deposits and withdrawals without leaving your car. Plus, with an ATM on-site, you can access your funds anytime during our operating hours.

Operating Hours

We understand that flexibility is key when it comes to banking. That's why our lobby is open Monday through Thursday from 9:00 AM to 4:30 PM, Friday from 9:00 AM to 5:30 PM, and Saturday from 9:00 AM to 12:00 PM. If you're using our drive-thru service, it operates Monday through Thursday from 9:00 AM to 5:00 PM, Friday until 6:00 PM, and Saturday until 1:00 PM.

Services Tailored for You

At the Educational Community Alliance Angola Branch, we offer a range of services tailored to meet your financial needs. Whether you're looking for checking and savings accounts or need help with auto loans and mortgage refinancing, our friendly staff is here to assist you every step of the way. While members can visit us at 3845 Angola Rd, official correspondence should be sent to the same address as our mailing address also remains 3845 Angola Rd, Toledo, OH 43615.

Member Eligibility

Becoming a member of Educational Community Alliance is like joining a warm and welcoming family that's dedicated to your financial well-being. To qualify, you simply need to live, work, or attend school in the areas we serve. This means if you're part of our community in Toledo, you're already on your way! We pride ourselves on being inclusive and supportive, so whether you're opening your first account or looking for new financial options, we've got you covered. You can find more detailed eligibility information at https://www.educacu.com/story/membership/, where you'll discover just how easy it is to join us. Ready to take the next step? Opening an account with us is straightforward and convenient. Just visit our website at https://www.itsme247.com/363/authentication/username or give us a call at (419) 381-2323. Our friendly team is here to guide you through every step of the process, ensuring you feel right at home. Come visit us at 3845 Angola Rd Toledo Oh 43615, and let's start this journey together!

Business Banking & Commercial Services

Business Loan Options

Imagine having the funds to expand your operations, invest in new equipment, or hire additional staff. Our commercial loan programs are designed to help you realize these dreams. Although we haven't funded any commercial loans yet, our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs.

Merchant Services

In today's fast-paced market, efficient payment processing is crucial for success. Our merchant services simplify transactions so you can focus on what you do best running your business. With user-friendly tools and reliable support, we ensure that accepting payments is as smooth as possible. If you're ready to take the next step toward growing your business, visit us at 3845 Angola Rd Toledo Oh 43615 in Toledo, OH or call us at (419) 381-2323. Let's work together to build a brighter future for your enterprise!

Comprehensive List Of Services

Business Banking Services

If you're a business owner, you'll find our business banking services particularly beneficial. From merchant services that help streamline transactions to tailored business loans, we support local enterprises in achieving their goals.

Convenient Access Options

Accessibility is key at Educational Community Alliance. Our branch features both an ATM and a drive-thru service where you can perform basic transactions such as deposits and withdrawals without stepping inside the building. This means whether you're rushing to work or just need quick access to cash, we're here for you.

Final Thoughts

Our commitment extends beyond just offering services; it's about building lasting relationships with our members in Toledo. With our focus on convenience through digital banking features like online account access and mobile applications, managing your finances has never been easier. Ready to experience all that Educational Community Alliance has to offer? Give us a call at 419-381-2323 or visit our website at www.educacu.com to learn more about how we can assist you today!

Personal Banking Solutions

We understand that managing your finances can sometimes feel overwhelming. That's why we offer checking and savings accounts designed for convenience and accessibility. Imagine having easy access to your funds through our online and mobile banking platforms, making it simple to check balances and transfer money anytime, anywhere. If you're in the market for a vehicle, our auto loans and vehicle financing options provide competitive rates that can help you get on the road without breaking the bank. Additionally, we offer mortgage loans and refinancing solutions for those looking to purchase their dream home or refinance an existing mortgage to lower their monthly payments.

Support for Your Financial Goals

For those unexpected expenses or plans that require extra funding, our personal loans and debt consolidation services can help you manage your finances more effectively. We also have credit cards with rewards, allowing you to earn points on everyday purchases an excellent way to make your spending work for you.

Digital & Online Banking

Accessibility Made Easy

We aim to make banking as accessible as possible. Our online banking service ensures that you can manage your accounts whenever it fits into your schedule. Whether it's early in the morning or late at night, we've got you covered. Join us at Educational Community Alliance and experience the freedom of digital banking. You'll find that managing your finances has never been easier!

User-Friendly Features

Managing your money should be straightforward, which is why we offer a user-friendly mobile application. You can download our app and enjoy features that let you handle transactions on-the-go. Even if you're out and about, you'll have the power to make person-to-person transfers with ease perfect for sending money to friends or family in real-time. While we currently don't support electronic signature authorization or mobile payments, we're committed to providing safe and reliable banking solutions. Your data is protected with top-notch security measures so you can bank with confidence.

Financial Strength

At Educational Community Alliance, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. With our strong financial foundation, you can trust that your savings are safe and your financial needs will be met. With a net worth of $7,013,011, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 11.50% 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 $5,221,360 in share certificates and $5,250,694 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 $6,488,041 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our commitment to lending is evident with $33,967,598 in total loans and leases, which supports members' financial goals across various sectors. Our net income of $280,214 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 12 full-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team. Total Share Accounts stand at 10,105, showcasing a strong and growing member base 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, Educational Community Alliance is your trusted partner. Visit us at 3845 Angola Rd Toledo OH 43615 or call 419-381-2323 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: www.ncua.gov, based on the latest results.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $12,095,615 in used vehicle loans and $3,777,600 in new vehicle loans already helping members get on the road. We provide financing for both new and used vehicles, making it easier than ever to drive home your dream car.

Credit Lines

For those who need additional flexibility in their budgeting or unexpected expenses, we provide credit lines totaling $4,500,000. This option allows you to access funds when needed while only paying interest on what you use. If you're interested in refinancing any existing loans or learning about eligibility options for our services, don't hesitate to reach out! Our team at Educational Community Alliance is ready to assist you every step of the way. You can visit us at 3845 Angola Rd Toledo Oh 43615, or call us at 419-381-2323 for more information. 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's work together towards your financial success!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $8,979,272, designed to fit various budgets and lifestyles. Whether you're a first-time buyer or looking to refinance an existing mortgage, our team is here to guide you through the process.

Unsecured Credit Cards

We also offer flexible terms on unsecured credit card loans. Although there are currently no outstanding balances in this category, our commitment remains strong in helping members manage their finances effectively with responsible lending practices.

Loan Aggregator

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EDUCATIONAL COMMUNITY ALLIANCE CREDIT UNION - Toledo, OH

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