Educational Community Credit Union Springfield MO | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Educational Community, your trusted financial partner located at 1221 E Grand St, Springfield, MO 65804. Since our establishment in 1938, we have proudly served our community, growing to a membership of 8,889 members who rely on us for their banking needs. With total assets amounting to an impressive $75,937,056, we are committed to providing you with the financial tools and resources necessary for achieving your goals. At Educational Community, we believe in empowering our members through personalized services tailored to fit their unique situations. Whether you're looking for a new auto loan of which we currently manage over 19,219 loans or need assistance with savings accounts or mortgages, our dedicated team is here to help. Our CEO, Robb Herren, and Board President, Steve Verheyen, lead a talented group of 22 employees who are passionate about making banking accessible and straightforward for everyone. While you can visit us at our branch location for all your banking needs, please note that any official correspondence should be sent to the same address: 1221 E Grand St, Springfield, MO 65804. We take pride in our commitment to the community and strive to offer excellent service that makes a difference in your life. With total deposits reaching $13,364,941 and a net worth of $6,674,623, we ensure that your money is not just safe but also working hard for you. We also maintain a healthy cash reserve of $628,203, underscoring our stability and reliability as your credit union. Ready to experience the difference? Visit us today or call us at 417-831-0534 to learn more about how we can assist you with your financial journey!

Branch History & Mission

Join Us

We invite you to experience the difference at Educational Community. Whether you're looking for personal banking solutions or business financing options, we're here to help you every step of the way. Explore what we offer on our website here or give us a call at (417) 831-0534. Together, let's build a brighter financial future!

Our Journey

From our humble beginnings, Educational Community has grown significantly. We now proudly serve a total membership of 8,889 individuals, all while managing assets totaling $75,937,056. Our journey reflects not just growth in numbers but also an expansion in the services we offer. Over the decades, we have adapted to the changing needs of our members and embraced digital advancements to make banking easier and more convenient. Our branch is equipped with modern facilities that comply with ADA standards, ensuring everyone in our community can access our services without barriers. Additionally, we provide essential features such as ATM access and drive-thru banking for quick transactions.

Our Mission

At Educational Community, our mission is clear: to empower our members through exceptional financial services while fostering community support and engagement. We believe that by helping our members achieve their financial goals whether it's securing an auto loan or planning for retirement we strengthen the entire community. We also prioritize outreach efforts that connect us with local organizations and initiatives aimed at improving lives in Springfield. By partnering with schools, nonprofits, and other local entities, we strive to give back to the community that has supported us for so many years. While you can visit us at 1221 E Grand St Springfield Mo 65804 for all your banking needs during our operating hours Monday, Tuesday, Thursday, and Friday from 8:45 AM to 5:15 PM and Wednesday from 10:00 AM to 5:15 PM official correspondence should be sent to 1221 E Grand St, Springfield, MO 65804 if it differs from our branch address.

Branch Location & Accessibility

Banking Hours and Services

We want to accommodate your busy schedule! Our lobby hours are Monday, Tuesday, Thursday, and Friday from 8:45 AM to 5:15 PM, with extended hours on Wednesdays starting at 10:00 AM. Whether you need assistance with personal banking services, auto loans, or online banking options, our dedicated team is here to help. For those who prefer quick transactions, we offer convenient drive-thru banking services. You can also enjoy access to an ATM on-site for withdrawals and balance checks. Plus, if you're a member of a partner credit union, take advantage of our shared service center for basic transactions. While members can visit us at 1221 E Grand St, official correspondence should be sent to the same address as our mailing address: 1221 E Grand St, Springfield, MO 65804.

Connect With Us

Have questions or need assistance? Don't hesitate to give us a call at 417-831-0534. We're excited to help you with all your banking needs. Come visit us today and experience the welcoming atmosphere of Educational Community!

Nearby Landmarks and Accessibility

Our branch is just a stone's throw away from local favorites like the popular Springfield Park and a short drive from the bustling downtown area. This prime location ensures that you can easily swing by for your banking needs while enjoying everything our vibrant community has to offer. We also provide ample parking, making it simple for you to visit us.

Member Eligibility

At Educational Community, we believe that everyone deserves a chance to be part of a caring and supportive community. Becoming a member is simple and welcoming, designed for anyone who shares our values. If you live, work, or attend school in the areas we serve, you're likely eligible to join us! We also welcome family members of current members, making it easy to extend the benefits of membership to your loved ones. For a detailed look at all eligibility criteria, feel free to visit our website at https://educationalccu.org/membership/ . Joining Educational Community means you gain access to a variety of financial services tailored just for you, including checking and savings accounts, auto loans, and credit cards with rewards. The process of opening an account is straightforward and can be done online or in person. If you have any questions or want more information about how to get started, don't hesitate to reach out at (417) 831-0534. We're here to help you every step of the way!

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 $0 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 our loan offerings, we provide comprehensive merchant services designed to simplify transactions and improve cash flow. Picture this: a busy Saturday at your local store where customers are eager to make purchases. Our payment processing solutions ensure you can accept payments effortlessly, whether it's via credit cards or mobile payments. This means more sales and happier customers! Located conveniently at 1221 E Grand St Springfield Mo 65804 in Springfield, MO, we invite you to explore how our business banking solutions can help your enterprise thrive. Contact us today at (417) 831-0534 to discuss how we can support your journey!

Comprehensive List Of Services

Business Banking Solutions

For entrepreneurs and small businesses, we offer business banking services, including merchant services and business loans designed to help you grow your venture. We're committed to supporting local businesses because we believe in building strong communities together.

Digital Banking Convenience

In today's fast-paced world, convenience is key. Our online and mobile banking platforms allow you to manage your finances anytime, anywhere. You can pay bills, transfer funds, or check balances right from your smartphone or computer. Plus, our ATM services give you easy access to cash whenever you need it.

Drive-Thru and Shared Services

Sometimes, quick transactions are what you need. Our basic drive-thru banking allows for simple deposits and withdrawals without leaving your car. Additionally, if you're a member of a partner credit union, our shared branch transactions enable easy access to deposits and withdrawals across various locations. At Educational Community, we're here to support all aspects of your financial journey. We invite you to explore our full range of services tailored just for you. Visit us today or check out our website at educationalccu.org for more information on how we can assist you with your financial goals!

Loans and Credit Options

Life can sometimes throw unexpected expenses your way. Our personal loans and debt consolidation services can provide the financial relief you need. Additionally, our credit cards come with rewards that allow you to earn while you spend, making every purchase more rewarding.

Personal Banking Services

Managing your finances shouldn't be complicated. With our checking and savings accounts, you can enjoy easy access to your money while earning interest on your savings. If you're in the market for a new vehicle, our auto loans and vehicle financing make it simple and affordable to drive away in your dream car. For those considering home ownership, we offer competitive mortgage loans and refinancing options that fit various budgets.

Digital & Online Banking

Accessing Your Accounts

Getting started is easy! Visit us at https://educationalccu.org/ to explore all the features we offer. Whether you're checking your balance, transferring funds, or paying bills, our 24/7 online banking services ensure you have control over your accounts around the clock.

Key Features for You

Our online banking platform allows you to enjoy the benefits of e-statements, making it simple to view your financial history without the clutter of paper. Plus, with electronic signature authorization available, signing documents is a breeze no more printing or mailing required! Need to send money to a friend? Our person-to-person transfer feature lets you do this quickly and securely. And if you're always on the go, our mobile application gives you access to all these services right from your smartphone.

Security You Can Trust

Your security is our priority. We employ robust measures to protect your information as you navigate through our digital banking services. Rest assured that using mobile payments is safe with us, so you can shop and pay with confidence. In today's fast-paced world, managing your finances shouldn't be complicated. With the tools available at Educational Community, you'll find that accessing your accounts and conducting transactions has never been easier. Experience the convenience of modern banking while enjoying peace of mind knowing that your financial information is secure!

Financial Strength

A Solid Foundation

With a net worth of $6,674,623, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $893 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Commitment to Growth

With $5,474,623 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 your financial goals with $11,749 in used auto loans and $51,680,322 in total loans and leases. Our operational efficiency shines through with a reported $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 19 full-time employees and 3 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Community Trust

The strength of our community is evident as we manage a robust total of 13,377 share accounts. This figure reflects a strong and growing member base that trusts us with their finances. Additionally, net shares (funds available for lending and investments) amount to $103,497, reinforcing our ability to support your financial aspirations. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Educational Community is your trusted partner. Visit us at 1221 E Grand St Springfield Mo 65804 or call (417) 831-0534 to learn more about how we can help you achieve your financial goals.

Secure Savings Options

Members' savings are secured through $8,675,223 in share certificates and $3,540,999 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.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $27,666,421 in used vehicle loans and $9,821,852 in new vehicle loans already helping members get on the road. Whether you're looking for financing on a brand-new model or a reliable used car, our team is here to guide you through the process.

Credit Lines and Other Financing Options

In addition to auto and mortgage loans, we provide credit lines totaling $5,801,952. These credit lines give you access to funds when you need them most ideal for unexpected expenses or planned purchases. If you're considering refinancing any existing loans or are curious about eligibility options for our various loan products, don't hesitate to ask! Our knowledgeable staff will help you navigate these processes smoothly. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. At Educational Community, we're committed to supporting our members' financial well-being with transparent products tailored just for you. Reach out today and discover how we can assist you in achieving your financial dreams!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $2,659,483. These options are designed to fit your budget and lifestyle while ensuring you make the most informed choice possible.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $1,218,041 in loans helping members manage their finances effectively. This can be an excellent option for those looking for convenience and financial flexibility without needing collateral.

Loan Aggregator

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Ensuring 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 ensures that users receive fair and transparent offers. By relying on verified financial institutions, LendMesh guarantees that the information you access is accurate and reliable.

EDUCATIONAL COMMUNITY CREDIT UNION - Springfield, MO