Educators Credit Union Employees Estherville IA | Affordable Auto Loans & Personal Banking

Introduction

Welcome to Employees, your trusted partner in financial growth located at 2714 Central Ave, Estherville, IA 51334. Since our establishment in 1947, we have proudly served our community with dedication and a member-first philosophy. With a growing membership of 8,962 individuals, we are committed to offering personalized banking solutions tailored to meet the unique needs of each member. At Employees, we understand that financial stability is essential for both personal and business success. That's why we manage assets totaling an impressive $168,818,123 and have facilitated loans amounting to 6,235 to help our members achieve their goals. Our total deposits stand at $9,283,313, demonstrating the trust placed in us by our valued members. Under the leadership of CEO Mark Peters and Board President Ned Munn, our team of 14 dedicated employees works tirelessly to provide exceptional service. Whether you're looking for checking accounts, auto loans, or business financing options, we ensure that you receive support every step of the way. While you can visit us at our branch address for all your banking needs, any official correspondence should be directed to our mailing address: 2714 Central Ave, Estherville, IA 51334. We invite you to explore our website at www.employeescu.com for more information about our services and offerings. Join us as we continue to build a stronger community together! For inquiries or assistance, please call us at 712-362-5897. We look forward to helping you achieve your financial dreams!

Branch History & Mission

Join Us Today

At Employees Credit Union, we believe that everyone deserves a chance at financial success. If you're looking for a credit union that prioritizes your needs while actively contributing to the community's welfare, look no further! Visit us at 2714 Central Ave or give us a call at 712-362-5897 to learn more about how you can become part of our growing family. Experience firsthand the benefits of membership with us today!

Our Journey

Located at 2714 Central Ave in Estherville, our branch has become a cornerstone of support for local families and businesses alike. Over the years, we've witnessed significant milestones that reflect our commitment to excellence. From expanding our range of services including personal banking, auto loans, and business banking to introducing online banking solutions, we have continually adapted to meet the evolving needs of our members. In addition to traditional banking services, we are proud to offer modern conveniences like ATM access and drive-thru banking to ensure ease of access for everyone. Our operating hours are designed with you in mind Monday through Thursday from 8 AM to 5 PM and Friday until 6 PM providing flexibility for those busy schedules.

Our Mission

The mission of Employees Credit Union is clear: We aim to provide accessible financial services while being a reliable partner in our community's growth. We believe that when our members thrive, so does the entire community. By focusing on both individual financial health and community development, we strive to create lasting relationships built on trust and mutual support. Our dedication goes beyond just numbers; it's about making a real impact in people's lives. Whether it's providing loans for new vehicles or supporting local businesses through merchant services and business loans, we are here to help you achieve your goals. As part of our commitment to inclusivity, we ensure that all members can easily access our services. With ADA compliance and user-friendly digital platforms available for online banking and mobile payments, we're focused on making your experience as smooth as possible.

Branch Location & Accessibility

Accessibility Features

At Employees Credit Union, we believe banking should be easy for everyone. Our facility is ADA compliant with ramps and designated parking spaces available for those who need them. You'll find ample parking right outside our branch, ensuring a hassle-free visit.

Operating Hours

We're here to serve you Monday through Thursday from 8 AM to 5 PM, and on Fridays until 6 PM. These hours are designed to fit your busy schedule, so you can manage your finances at a time that works best for you.

Services Offered

Our branch offers a variety of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we have solutions that cater to both individuals and businesses. Plus, with our drive-thru service available for quick transactions such as deposits and withdrawals, we make it easy for you to bank on the go. For your convenience, we also provide ATM access so you can withdraw cash or check balances anytime. If you have questions or need assistance with any services, don't hesitate to call us at 712-362-5897. We invite you to visit Employees Credit Union today! Our friendly team is ready to assist you with all your banking needs. Come see why so many in Estherville trust us with their financial journey!

Member Eligibility

At Employees, we believe that everyone deserves a supportive financial community to help them thrive. Becoming a member is simple and welcoming! If you live, work, or worship in the Estherville area, you're likely eligible to join our family. We open our doors to individuals who share our values and commitment to community. Not only will you gain access to a range of financial services tailored just for you, but you'll also enjoy the advantages of being part of a member-focused organization that prioritizes your needs. For more detailed eligibility information, feel free to check out our resources at . And when you're ready to take the next step, opening an account is straightforward! Just give us a call at (712) 362-5897 or stop by our branch located at 2714 Central Ave Estherville Ia 51334 during our convenient hours. We can't wait to welcome you into our community!

Business Banking & Commercial Services

Comprehensive Merchant Services

Imagine having the tools to manage your transactions smoothly while enhancing customer experience. Our merchant services do just that. From accepting card payments to managing payroll, we provide practical solutions that allow you to focus on what you do best running your business. Visit us at 2714 Central Ave Estherville Ia 51334 in Estherville, IA, or call us at (712) 362-5897 to learn how we can support your business ambitions today!

Tailored Loan Solutions

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $32 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $15 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $1,857,103, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Banking Made Easy

We also cater to local entrepreneurs with our Business Banking services. From Merchant Services that simplify transactions to various types of Business Loans, we're committed to helping businesses thrive in our community.

Convenient Access Anytime

At Employees, we know convenience is key. Our comprehensive Online & Mobile Banking services allow you to manage your accounts from wherever you are. Whether you're making payments or checking your balance through our user-friendly mobile app, we've got you covered. And if you prefer in-person assistance, visit us during our lobby hours Monday through Friday. We also offer basic drive-thru banking for quick deposits and withdrawals ideal for busy days when time is of the essence.

Get Started Today!

With an ATM available for easy cash withdrawals and balance checks, accessing your money has never been simpler. Have questions? Feel free to reach out at (712) 362-5897. Our friendly staff is ready to assist you! Explore all that we have to offer at Main Office where your financial success is our priority! Visit us today and take the first step towards achieving your financial goals.

Personal Banking Solutions

We understand that managing your finances can sometimes feel overwhelming. That's why we offer Personal Banking services, including Checking & Savings Accounts, designed to help you keep track of your money effortlessly. Imagine opening a checking account with features that fit your lifestyle easy online access and mobile banking make it simple to check balances and transfer funds anytime, anywhere. If you're in the market for a new car or truck, look no further! Our Auto Loans & Vehicle Financing options are competitive and customizable, ensuring you find the right loan that fits both your budget and your dreams. And when it comes time to buy a home, our Mortgage Loans & Refinancing services are here for you, making homeownership more accessible than ever.

Supporting Your Financial Goals

For those looking to consolidate debt or tackle unexpected expenses, our Personal Loans & Debt Consolidation options provide the support you need. Plus, with our Credit Cards with Rewards, you can earn points on everyday purchases while enjoying financial flexibility.

Digital & Online Banking

Key Features

Our online banking platform allows you to check your account balances, transfer funds, and pay bills with just a few clicks. You can also take advantage of our electronic signature authorization feature, making it simple to complete transactions without the hassle of paperwork. Plus, with e-statements available, you'll have instant access to your financial information while helping the environment. For those who prefer to manage their finances via mobile devices, our mobile application is here for you! It offers all the essential features right at your fingertips, allowing you to stay on top of your accounts wherever life takes you. Although we currently do not support mobile payments, rest assured that our app provides an easy way to perform person-to-person transfers. Sending money to friends or family has never been easier!

Security and Accessibility

We prioritize your security at Employees. Our online banking services are designed with robust security measures to protect your personal information and financial transactions. You can bank with confidence knowing that we have your safety in mind. Whether you're looking to check your balance late at night or transfer money during lunch breaks, our user-friendly interface ensures that managing your finances is straightforward and stress-free. Enjoy real-time account management that keeps you informed about every transaction. In summary, our digital and online banking services at Employees combine convenience, accessibility, and security, all tailored for our members' needs. Experience the ease of banking with us today!

Financial Strength

Commitment to Growth

With $29,602,990 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 across various sectors with $3,161 in used auto loans and $90,666,187 in total loans and leases. Our operational efficiency is reflected in our $2,160,718, enabling us to continue offering competitive loan rates and solid financial products for you.

Dedicated Team

We also take pride in having 14 full-time employees ready to serve you with knowledge and commitment. While we currently have no part-time employees, our dedicated team is always available to assist you. Net Shares (Funds available for lending and investments): $461,632 highlight our ability to support your needs effectively. With a total of 16,736 deposit accounts, it's clear that many members trust us with their finances.

Member-Centric Savings

Your savings are secured through $1,838,267 in share certificates and $100,399,538 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $250,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Solid Financial Foundation

With a net worth of $34,385,933, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. This is crucial in today's economic environment where trust and reliability matter more than ever. Our net worth ratio of $2,036 demonstrates a solid capital foundation. This ensures that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Your Trusted Partner

Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Employees is your trusted partner. Visit us at 2714 Central Ave Estherville Ia 51334 or call (712) 362-5897 to learn more about how we can help you achieve your financial goals.

Loan Offering

Additional Benefits

If you're considering refinancing any existing loans or seeking eligibility options, our team is available to discuss how we can best serve your needs. At Employees, we prioritize transparency and are dedicated to ensuring you understand all aspects of your loan agreements. You can reach us at (712) 362-5897 during our operating hours: Monday - Thursday from 8 AM to 5 PM and Friday from 8 AM to 6 PM. Let's work together to find the right financing solution for you! Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Visit us today or explore more about our offerings online!

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $40,609,329 in used vehicle loans and $12,843,480 in new vehicle loans already helping members get on the road. Whether you're eyeing a brand-new model or a reliable used vehicle, we have flexible financing options available for every budget.

Business Financing

For business owners, our outstanding commercial loans totaling $1,857,103 provide the capital needed to grow and expand. We understand the challenges businesses face and are ready to support you with customized loan solutions.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We provide Junior Lien 1-4 Family Residential Properties loans totaling $7,236,689, designed to fit your unique situation. Whether you're purchasing your first home or looking to refinance an existing mortgage, our team is here to guide you through the process.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $0 in loans helping members manage their finances effectively. Our credit cards come with competitive rates and rewards options that allow you to make the most out of your spending.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions. 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 kind of feedback highlights how effective and user-friendly the platform is. 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.*

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 from reputable institutions ensures that users receive fair and transparent offers.

EMPLOYEES CREDIT UNION - Estherville, IA