Effingham Highway Credit Union Effingham IL | Best Auto Loans & Quick Personal Loans

Introduction

Welcome to Effingham Highway Credit Union, your trusted financial partner located at 400 W Wabash Ave, Effingham, IL 62401. Established with a commitment to serving our community, we proudly support over 1,050 members and manage total assets of $5,723,373. Our mission is to provide you with personalized banking solutions that help you achieve your financial goals. Under the leadership of CEO Ronni Turner and Board President Delbert Crouse, our dedicated team of two employees is here to assist you with a variety of services, including personal banking, auto loans, mortgages, and credit cards with rewards. We understand the importance of community impact and strive to create a welcoming environment where all members feel valued. While our branch address is where you can find us for in-person visits, please note that official correspondence should be directed to our mailing address at P.O. Box 1161, Effingham, IL 62401. With total deposits reaching $596,380 and net worth standing at $936,356, we ensure your money is not only safe but also working for you. Our range of loans includes 345 leases, tailored to meet diverse financial needs. Whether you're looking for debt consolidation or financing for your next vehicle purchase, we're here to help make it happen. Feel free to reach out to us at 217-342-8209 during our lobby hours from Monday to Friday. Your financial well-being is our priority let's work together to build a brighter future!

Branch History & Mission

Commitment to Community

At Effingham Highway Credit Union, we are not just about numbers; we are about people. Our commitment extends into community outreach initiatives that aim to uplift those around us. By partnering with local organizations and participating in community events, we work hard to make a positive impact beyond financial services. As we look ahead, we remain dedicated to embracing digital advancements while ensuring ADA compliance for all our members. Although we currently do not have an ATM or drive-thru service available at this location, our operating hours from Monday through Friday between 8:00 AM - noon and 1:00 PM - 4:00 PM ensure that help is always just a visit away. Join us at Effingham Highway Credit Union today! Experience firsthand how being part of a member-focused credit union can enhance your financial well-being and strengthen our community as a whole. Call us at 217-342-8209 or stop by we can't wait to welcome you!

Our Evolution

Since opening our doors, Effingham Highway Credit Union has adapted and evolved to serve our members better. With total assets now amounting to $5,723,373, we have continually focused on creating a secure and supportive environment for everyone who walks through our doors. The dedication of our small but passionate team allows us to offer personalized service that larger institutions often overlook. We are proud to have maintained a strong presence in the area while ensuring that all our services from personal banking to auto loans are designed with you in mind.

Our Mission Statement

Our mission is simple yet profound: We strive to empower our members by providing them with reliable financial services and fostering community support. We understand that banking goes beyond transactions; it's about building relationships and helping individuals achieve their financial goals. Whether you're looking for checking and savings accounts, vehicle financing, or assistance with mortgages and personal loans, we are here to guide you every step of the way. While members can visit us at 400 W Wabash Ave Effingham IL 62401 for all their banking needs, official correspondence should be sent to P.O. Box 1161, Effingham, IL 62401 if necessary.

Branch Location & Accessibility

Accessibility Features

Our branch is designed with accessibility in mind. We provide ample parking and ADA-compliant features such as ramps to ensure that everyone can access our services without hassle. Whether you're visiting us on foot or driving in, you'll find our location welcoming and convenient.

Operating Hours

We know that your time is valuable. That's why we offer flexible operating hours from Monday through Friday. Our lobby is open from 8:00 AM to noon and again from 1:00 PM to 4:00 PM, so you can choose a time that works best for you.

Services Offered

At Effingham Highway Credit Union, we pride ourselves on providing a wide range of services tailored to meet your needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we have something for everyone. Plus, our friendly staff is always ready to assist you with any questions about our offerings. Unfortunately, we currently do not have ATM availability or drive-thru banking; however, our team is dedicated to ensuring your experience inside the branch is efficient and pleasant. We invite you to stop by or give us a call at 217-342-8209 today! Let us show you how easy banking can be when you have a dedicated partner by your side.

Member Eligibility

At Effingham Highway, we believe that becoming a member is like joining a warm and welcoming community where your financial needs are understood and valued. If you're wondering whether you qualify for membership, let us simplify it for you. Generally, anyone who lives, works, or worships in our area is eligible to join. We're excited to open our doors to all individuals who share our values of support and community engagement. Plus, being part of Effingham Highway means you'll enjoy a variety of benefits such as competitive rates on loans, personalized service, and access to a range of financial products tailored just for you. Ready to take the next step? Opening an account with us is easy! You can find all the details you need about eligibility on our website at . If you have any questions or would like assistance, feel free to give us a call at (217) 342-8209. Our friendly team is here to help you every step of the way!

Business Banking & Commercial Services

Business Loans

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. While we currently have no member commercial loans funded, we're here to help you explore the possibilities when you're ready. We also offer flexible financing options for non-members, which can empower you to take the next step in your business journey.

Merchant Services

Imagine having a reliable partner that simplifies your payment processing while enhancing your customer experience. Our merchant services provide just that. With easy-to-use solutions for accepting payments, your focus can remain on what matters most: growing your business and serving your customers. Located at 400 W Wabash Ave Effingham Il 62401 in Effingham, IL, our dedicated team is ready to assist you. Reach out today at (217) 342-8209 to learn how we can support your business banking needs!

Comprehensive List Of Services

Business Banking Support

If you're a business owner, our business banking services include merchant services and business loans designed to help your enterprise thrive. From processing payments to securing funds for expansion, we are here to support your journey.

Convenient Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why we proudly offer online and mobile banking solutions. You can manage your accounts from anywhere check balances, transfer funds, or pay bills all at the touch of a button. Need cash? While we don't have ATMs directly at our branch, our team is always ready to assist you with cash withdrawal services during lobby hours. At Effingham Highway, located at 400 W Wabash Ave Effingham Il 62401, we strive to ensure that all our members receive top-notch service tailored just for them. If you have questions about any of these services or want to discuss how we can assist you further, feel free to give us a call at (217) 342-8209. Come visit us during our lobby hours Monday through Friday from 8:00 AM until noon and 1:00 PM until 4:00 PM and discover how we can support your financial journey together!

Personal Banking Solutions

We understand that managing your finances is crucial. That's why we offer personal banking services, including checking and savings accounts tailored to fit your lifestyle. Imagine having an account that helps you save for that dream vacation or manage everyday expenses effortlessly. Our accounts come with features that make banking easy and accessible. When it comes to financing, our auto loans and vehicle financing options make it simpler for you to get behind the wheel of your new car without breaking the bank. Picture yourself driving off in a reliable vehicle with a payment plan that works for you. We also offer mortgage loans and refinancing options, whether you're buying your first home or looking to lower your current mortgage rates. For those unexpected expenses or plans that require extra cash, our personal loans and debt consolidation services can provide the financial relief you need. Plus, if you're interested in building credit while enjoying benefits, check out our credit cards with rewards, which allow you to earn points on every purchase.

Digital & Online Banking

Convenient Online Services

With our online banking services, you can easily access your accounts 24/7 through . This means you can check your balances, review transactions, and transfer funds without having to visit a branch. Although we currently do not offer features like electronic signatures or e-statements, our commitment to security remains strong.

Mobile-Friendly Features

While mobile payments and a dedicated mobile application aren't available yet, we are continuously exploring ways to enhance your banking experience. In the meantime, our website is optimized for mobile use, allowing you to manage your finances from your smartphone or tablet with ease.

Safe and Simple Transactions

If you're looking to send money to friends or family, you may notice that person-to-person transfers are not part of our current offerings. However, our focus is on providing safe and reliable banking practices that protect your financial information. At Effingham Highway, we believe that banking should be accessible to everyone. Our services aim to make managing your finances straightforward and hassle-free. If you have any questions or need assistance, don't hesitate to reach out at (217) 342-8209. We're here to help!

Financial Strength

Commitment to Growth

Our success is reflected in our strong performance metrics. With $855,819 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve you better. In addition, we support your financial aspirations with $181 in used auto loans and $4,503,827 across various sectors. Our operational efficiency is evident with a net income of $80,537, enabling us to continue offering competitive loan rates and solid financial products for our members.

Dedicated Team

We pride ourselves on having a committed team ready to serve you. With 1 full-time employees and 1 part-time employees, our branches are staffed with knowledgeable individuals who genuinely care about your needs.

Growing Member Base

The trust placed in us by our members is illustrated by our total share accounts of 1,048, showcasing a strong and growing member base that relies on us for their financial needs. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Effingham Highway is your trusted partner. Visit us at 400 W Wabash Ave Effingham Il 62401 or call (217) 342-8209 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

We prioritize our members over traditional banking practices. While we have $0 in non-member deposits, our focus remains on using our resources to benefit you through better loan rates, lower fees, and exclusive perks. Your savings are secured with robust measures; we hold $0 in share certificates and $0 in money market shares, which offer stable and rewarding financial growth opportunities.

Solid Foundation

With a net worth of $936,356, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,636 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 $2,935,695 in used vehicle loans and $797,504 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new vehicle or a dependable used one, we have options tailored just for you.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We currently offer Junior Lien 1-4 Family Residential Properties loans; however, there are no outstanding amounts at this time. If you're considering home financing or refinancing your current mortgage, our team is here to guide you through the process and find the right solution for your needs.

Refinancing and Eligibility Options

If you're looking to refinance any existing loans or need information about eligibility options for our products, feel free to reach out. Our dedicated team is available to assist you with any questions or concerns regarding your financial journey. For more information about our loan offerings or to discuss your specific needs, don't hesitate to contact us at 217-342-8209. We are located at 400 W Wabash Ave Effingham, IL 62401, and we're here to help during our operating hours from Monday to Friday, 8:00 am - noon and 1:00 pm - 4:00 pm. 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 navigate your financial opportunities today!

Unsecured Credit Card Loans

Managing expenses can be challenging without the right support. We also offer flexible terms on unsecured credit card loans. While we currently have no unsecured credit card loans issued, our future offerings will provide members with effective ways to manage their finances.

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EFFINGHAM HIGHWAY CREDIT UNION