Encompass Credit Union Kokomo IN | Affordable Auto Loans & Business Banking

Introduction

Welcome to Encompass, your trusted financial partner located at 4020 South Reed Road, Kokomo, IN 46901. Since our establishment in 1953, we have proudly served our community with a commitment to providing exceptional banking solutions tailored to meet the needs of our 17,204 members. With total assets exceeding $267,874,819, we are dedicated to helping you achieve your financial goals. At Encompass, we understand that every member's journey is unique. That's why we offer a wide range of services, including personal and business banking options, auto loans, mortgages, and more all designed to empower you financially. Our experienced team, led by CEO Matthew Lambert and Board President Gregory Sottong, is here to ensure that your experience with us is smooth and satisfying. While you can visit us at our branch location for all your banking needs, please note that any official correspondence should be sent to our mailing address: 221 North Main Street, Tipton, IN 46072. With a net worth of $21,071,530 and total deposits amounting to $5,006,746, we are financially sound and ready to support you with confidence. Our commitment extends beyond just numbers; we strive to make a positive impact in the community by fostering relationships built on trust and reliability. Whether you're looking for competitive loan rates or convenient online banking services, Encompass has got you covered. Feel free to reach out to us at 765-675-8848 or visit our website at encompasscu.org for more information. We look forward to welcoming you into the Encompass family!

Branch History & Mission

Welcome to the Encompass Reed Road Branch, a cornerstone of financial support and community connection in Kokomo, Indiana. Opened in 1953, our branch has grown alongside our members, building a rich legacy that emphasizes trust, service, and dedication to the local community. With a total membership of over 17,000 and assets totaling $267,874,819, we stand as a testament to the power of collective financial strength. Located at 4020 South Reed Road, we are easily accessible to residents of Kokomo and surrounding areas. Our branch is not just about banking; it's about creating relationships that matter. We are proud to offer services like personal banking, auto loans, mortgage loans, and business banking solutions tailored to meet your needs. You can also take advantage of our ATM services and drive-thru banking for added convenience. At Encompass, our mission is simple yet profound: to empower individuals and families through financial education and accessible banking solutions. We believe that everyone deserves the opportunity to achieve their financial goals. This commitment is reflected in our customer-centric approach and innovative digital offerings such as online banking and mobile payments. While members can visit us at 4020 South Reed Road Kokomo In 46901, official correspondence should be sent to 221 North Main Street, Tipton, IN 46072. Our team is dedicated to ensuring you receive the best possible service during our operating hours: Monday through Thursday from 8:30 a.m. to 4:30 p.m., Friday from 7:00 a.m. to 6:00 p.m., and Saturday from 9:00 a.m. to 12:00 p.m. Over the years, we have formed partnerships with local organizations to enhance community outreach efforts. These initiatives help us give back and foster growth within Kokomo. Whether it's sponsoring local events or supporting educational programs, we strive to make a positive impact on those around us. We invite you to join Encompass Credit Union today! Experience firsthand how we can support your financial journey while contributing positively to our beloved community. Reach out at (765) 675-8848 or visit us online at encompasscu.org for more information on how you can become part of our family!

Branch Location & Accessibility

Accessibility Features

At Encompass, we believe in making banking accessible for everyone. Our branch meets ADA compliance standards, featuring ramps and designated spaces for individuals with disabilities. We want every member of our community to feel welcome and supported when they visit us.

Connect With Us

If you have questions or need assistance, feel free to give us a call at 765-675-8848. Our team is ready to help! While members can visit us at 4020 South Reed Road, official correspondence should be sent to our mailing address at 221 North Main Street, Tipton, IN 46072. We invite you to come by and experience the difference at Encompass Reed Road Branch today!

Location Highlights

Whether you're on your way to work or running errands, our branch is ideally positioned for easy access. We're just a short drive from local landmarks, providing you with a familiar touchpoint in your daily routine. Our parking area is spacious and designed to accommodate all visitors, ensuring that you can stop by without any hassle.

Operating Hours and Services

We understand that your time is valuable. That's why we're open Monday through Thursday from 8:30 a.m. to 4:30 p.m., Fridays from 7:00 a.m. to 6:00 p.m., and Saturdays from 9:00 a.m. to 12:00 p.m. This range of hours allows you to come in at a time that works best for you. Our services include personal banking options such as checking and savings accounts, auto loans, mortgage loans, and credit cards with rewards. You can also take advantage of our drive-thru banking service for quick deposits and withdrawals.

Member Eligibility

Becoming a member of Encompass is like joining a caring community where your financial needs are prioritized. If you live, work, worship, or attend school in Howard County, you're already on the path to membership! We welcome individuals from various backgrounds and professions, making it easy for you to join our family. At Encompass, you'll enjoy a range of benefits, including competitive rates on loans and savings, personalized service, and access to community-focused programs. Ready to take the next step? Opening an account is simple! You can find more details about eligibility and the easy enrollment process at this link. If you have any questions or need assistance, don't hesitate to reach out to us at (765) 675-8848. Your journey towards better banking starts right here at Encompass, located at 4020 South Reed Road Kokomo In 46901.

Business Banking & Commercial Services

Commercial Loans for Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $90 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $10,340,427, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services That Make Transactions Easy

In today's fast-paced environment, efficient payment solutions are crucial. Our merchant services simplify transactions, allowing you to focus on what matters most growing your business. Imagine seamlessly processing payments while enhancing customer satisfaction with quick, reliable service. Visit us at 4020 South Reed Road Kokomo In 46901 in Kokomo, IN or give us a call at (765) 675-8848 to learn how we can help your business thrive!

Comprehensive List Of Services

Business Banking

If you're a business owner, you'll appreciate our comprehensive business banking services. From merchant services that streamline payment processing to business loans that fuel your growth, we have solutions that can help your venture thrive.

Digital Convenience

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking options. You can manage your accounts anytime, anywhere, using our user-friendly app or website. Perform transactions effortlessly from checking balances to transferring funds all from the comfort of your own home or on-the-go. We also provide easy access through our ATM services for cash withdrawals and balance checks whenever you need them. Our basic drive-thru banking allows for quick deposits and withdrawals without leaving your vehicle, making it easier than ever to bank on your schedule.

Join Us Today!

At Encompass, we're committed to serving our community and ensuring that all members have access to essential financial services. Whether you're just starting out or looking for advanced financial solutions, we're here for you. Ready to take the next step? Contact us at (765) 675-8848 or visit us online at Reed Road Branch to learn more about how we can assist you!

Personal Banking

Our personal banking services are designed with you in mind. We offer checking and savings accounts that cater to various lifestyles and financial goals. Need a vehicle? With our auto loans and vehicle financing, you can easily get behind the wheel of your dream car. If you're considering buying a home or refinancing an existing mortgage, our mortgage loans and refinancing options provide flexible terms and competitive rates. For those who may need extra funds for unexpected expenses or debt consolidation, our personal loans can help lighten the load. Plus, enjoy rewards with our credit cards, making every purchase more rewarding.

Digital & Online Banking

Go Paperless with E-Statements

Say goodbye to paper clutter! With e-statements available, you can view your account statements online whenever you need them. It's not only convenient but also better for the environment.

Mobile Banking Made Easy

For those who prefer banking on their smartphones, our mobile application is here to help. You can download it easily and enjoy features like mobile payments, which allow you to make quick and secure transactions with just a tap. Plus, our person-to-person transfer feature makes sending money to friends or family simple and hassle-free.

Security You Can Trust

We prioritize your security at Encompass. While we currently don't offer electronic signature authorization, we ensure that all our online banking services are protected with top-notch security measures. Your financial information is safe with us, giving you peace of mind every time you bank online. In summary, our digital and online banking services provide easy access to your accounts while ensuring that everything stays secure. We invite you to explore these features today at https://encompasscu.org/ and experience the modern way of banking!

User-Friendly Online Banking

With our 24/7 online banking services available at https://encompasscu.org/ , you can access your accounts anytime, anywhere. This means no more rushing to the bank before it closes or waiting in long lines. Simply log in from your computer or mobile device to check balances, transfer funds, and pay bills all with just a few clicks.

Financial Strength

Member-Centric Savings Options

Members' savings are secured through $88,633,420 in share certificates, offering stable and rewarding financial growth opportunities. While we have $0 in money market shares, our focus remains on prioritizing our members' needs. Unlike traditional banks, we prioritize our members. With non-member deposits at $22,185,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our operational efficiency is reflected in our $0, which empowers us to continue offering competitive loan rates and solid financial products for our members. With a dedicated team of 58 full-time employees and 2 part-time employees, we ensure our branches are always ready to serve you with knowledgeable assistance. We also proudly report net shares available for lending and investments at $397,478, alongside a strong membership base demonstrated by our total share accounts of 30,274. This reflects the trust that our community places in us as their preferred financial institution.

Reinvestment for Growth

With $20,038,291 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our capacity to support your financial goals is robust; with $6,480 in used auto loans and $222,465,839 in total loans and leases, we are well-equipped to help you achieve your dreams.

Solid Financial Foundation

With a net worth of $21,071,530, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $784 demonstrates a solid capital foundation, ensuring 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, Encompass is your trusted partner. Visit us at 4020 South Reed Road Kokomo In 46901 or call (765) 675-8848 to learn more about how we can help you achieve your financial goals. For more detailed performance insights and financial data, please visit the National Credit Union Administration (NCUA) at: https://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 $82,496,769 in used vehicle loans and $9,674,597 in new vehicle loans already helping members get on the road. Whether you're interested in financing a new or used vehicle, we have options that can fit your budget and needs.

Credit Lines and Unsecured Credit Cards

For those who need extra flexibility, we offer credit lines totaling $59,197,035. This can be an excellent way to manage expenses and keep your finances on track. Additionally, we also provide flexible terms on unsecured credit card loans, with a total of $1,033,650 in loans helping members manage their finances effectively.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $17,501,053, make buying or refinancing simple. We aim to provide flexible terms and competitive rates that can help you secure your dream home without breaking the bank.

Refinancing Options

If you're looking to lower your monthly payments or pay off existing debts more efficiently, ask us about our refinancing options. We work with you to find the best solutions tailored to your specific situation. Our team at Encompass, located at 4020 South Reed Road Kokomo In 46901, Kokomo, IN IN, is here to assist you with any questions you may have. You can reach us at (765) 675-8848 during our operating hours: M-Th 8:30 a.m. - 4:30 p.m., F 7:00 a.m. - 6:00 p.m., and Sat 9:00 a.m. - 12:00 p.m. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Whether you're considering an auto loan, mortgage, or credit line, we're committed to providing you with valuable financial resources tailored just for you!

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ENCOMPASS FEDERAL CREDIT UNION - Kokomo, IN