Encompass Credit Union Tipton IN | Affordable Vehicle Loans & ATM Services

Introduction

Welcome to Encompass, your trusted partner in financial growth and community support! Located at 201 N Main St, Tipton, IN 46072, our branch has been serving members since 1953 with a commitment to helping you achieve your financial goals. With over 17,204 satisfied members, we pride ourselves on being more than just a credit union; we are a cornerstone of the Tipton community. At Encompass, we understand that every member's journey is unique. That's why we offer a range of services tailored to meet your needs from personal banking and auto loans to business financing solutions. Our total assets stand strong at $267,874,819, ensuring we have the resources to support your ambitions. With total deposits reaching $5,006,746, you can rest assured that your savings are safe with us. Under the leadership of our CEO, Matthew Lambert, and Board President, Gregory Sottong, our dedicated team of 60 employees works diligently to provide exceptional service and foster lasting relationships. Whether you're looking for guidance on loans or need assistance with online banking, we're here for you. For any official correspondence, please note that while you can visit us at our branch location, our mailing address is P O Box 100, Tipton, IN 46072. We invite you to explore all the ways Encompass can help you thrive financially. Feel free to call us at 765-675-8848 or visit our website at encompasscu.org for more information. Your financial future starts here!

Branch History & Mission

Join Us

We encourage you to explore membership with Encompass! Visit us online at encompasscu.org or call us at (765) 675-8848 for more information about how we can assist you in achieving your financial goals. Together, let's build a brighter future for ourselves and our community!

Our Mission

At Encompass, our mission is clear: we strive to empower our members with the financial tools they need while prioritizing community support and engagement. We understand that banking is more than just deposits and loans; it's about helping people achieve their dreams. Whether it's providing auto loans for first-time buyers or offering resources for small businesses looking to grow, we are committed to making a positive impact. Our dedicated team operates with integrity and transparency, ensuring that every member feels valued and understood. With convenient 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. we're here when you need us most. In addition to traditional banking services, we also offer ATM access and drive-thru banking for your convenience. As we continue on this journey together, we invite you to join our family at Encompass and experience firsthand the benefits of being part of a cooperative that truly cares.

Our Story

From our humble beginnings at 201 N Main St, we have grown significantly, now boasting a total membership of over 17,000 individuals. Our dedication to our members is evident in our impressive total assets of $267,874,819, which allow us to offer a variety of services tailored to meet their financial needs. Over the years, we have adapted to the changing landscape of banking by embracing technology and innovation. We are proud to offer online and mobile banking services, making it easier for our members to manage their finances on-the-go. While members can visit us at 201 N Main St Tipton In 46072, official correspondence should be sent to P O Box 100, Tipton, IN 46072. Our branch is not just about transactions; it's about building relationships. We believe in being there for our community through various outreach programs and partnerships aimed at supporting local initiatives.

Branch Location & Accessibility

Convenient Access

Situated right in the heart of Tipton, our branch is just a stone's throw away from local landmarks, making it a familiar stop for many. Parking is readily available, ensuring a hassle-free visit. We pride ourselves on being accessible to all members of the community, offering ADA-compliant features including ramps and clear pathways.

Get in Touch

If you have any questions or need assistance, feel free to give us a call at 765-675-8848. We're here to help! While members can visit us at our Tipton location, please note that official correspondence should be sent to P O Box 100, Tipton, IN 46072. We invite you to come by the Encompass Tipton Branch today our team is excited to assist you with all your banking needs!

Operating Hours

Our doors are open during convenient 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. This means you can easily find time in your busy schedule to drop by and speak with our helpful staff.

Services Offered

At the Encompass Tipton Branch, we offer a variety of services designed for your personal and business banking needs. From checking and savings accounts to auto loans and mortgages, we're here to help you with every financial step you take. Additionally, our drive-thru service allows for quick transactions without leaving your vehicle, providing added convenience during your busy day.

Member Eligibility

Becoming a member of Encompass is like joining a close-knit family that's dedicated to supporting your financial journey. We welcome anyone who lives, works, worships, or attends school in the Tipton area, as well as their immediate family members. This means if you have connections to our community, you're likely eligible to enjoy the benefits we offer. Our members gain access to a variety of services designed to help you achieve your financial goals, from checking and savings accounts to loans and credit cards. Joining is easy! You can learn more about the eligibility requirements by visiting this link. When you're ready to open an account, just head over to our account opening page or give us a call at (765) 675-8848 for assistance. We're excited to have you join us at Encompass, located at 201 N Main St Tipton In 46072!

Business Banking & Commercial Services

Member Commercial Loans

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. Imagine having the financial backing you need to expand your operations or invest in new equipment our member loans make that possible.

Non-Member Commercial Loans

We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. This means that no matter where you are in your business journey, we're here to help you find the right financing options.

Outstanding Commercial Loans

With an outstanding commercial loan portfolio of $10,340,427, we continue to drive economic growth by financing new and expanding businesses. This commitment not only helps individual companies thrive but also strengthens our local economy as a whole. In addition to loans, we offer merchant services that simplify payment processing for your business. Picture this: a busy day at your shop where customers can effortlessly pay using various methods, improving their experience and boosting your sales. At Encompass, we make it happen. Join us at 201 N Main St Tipton In 46072 in Tipton, IN, and let's discuss how we can partner together for your business success! For more information, call us at (765) 675-8848.

Comprehensive List Of Services

Business Banking Services

For local entrepreneurs and businesses, we offer tailored solutions such as Merchant Services & Business Loans. Running a business comes with its own set of challenges; let us help simplify the banking side so you can focus on what you do best.

Digital Banking Convenience

In today's fast-paced world, convenience matters more than ever. That's why at Encompass, we provide robust Online & Mobile Banking platforms. Access your accounts anytime, anywhere whether it's transferring funds from your phone or checking balances during lunch breaks at work. Our ATM & Cash Withdrawal Services ensure you're never far from accessing cash when you need it. With an ATM located right here at our branch and across town, getting cash has never been easier. Additionally, if you're on the go and need quick service, our Basic Drive-Thru Banking allows you to handle deposits and withdrawals without leaving your vehicle. It's all about making banking easier for you!

Get Started Today!

We invite you to experience all that Encompass has to offer at our Tipton Branch located at 201 N Main St Tipton IN 46072. For more information or assistance with opening an account, please call us at 765-675-8848. Join us today and take control of your financial future with services designed just for you!

Personal Banking Solutions

Starting with the basics, we offer Checking & Savings Accounts that help you manage your money effectively. Imagine having easy access to your funds whenever you need them, with options that fit any lifestyle. Our accounts come with features designed for convenience and security, ensuring your money is always within reach. For those looking to make a bigger purchase, our Auto Loans & Vehicle Financing options can help turn your dreams into reality. Picture yourself behind the wheel of a new vehicle without the stress of complicated financing terms. We make it simple and straightforward, guiding you through every step of the process. If homeownership is on your horizon, consider our Mortgage Loans & Refinancing services. Whether you're buying your first home or refinancing an existing mortgage for better rates, our team is here to assist you in making informed decisions that align with your financial goals.

Personal Loans and Credit Options

Need extra cash? Our Personal Loans & Debt Consolidation services are designed for those times when unexpected expenses arise. We understand that life can throw curveballs, and having flexible loan options can provide peace of mind. Plus, don't forget about our Credit Cards with Rewards! They're not just about spending; they're about earning rewards that benefit you. Imagine using your card for everyday purchases while collecting points that lead to travel discounts or cashback offers.

Digital & Online Banking

Conclusion

At Encompass, we strive to make banking accessible and straightforward. With features like 24/7 online banking, e-statements, and a dedicated mobile app, managing your finances has never been more convenient. Explore all the digital solutions we offer today by visiting https://encompasscu.org/ !

Key Features

Our online banking service allows you to view your account balances, transfer funds, and pay bills with just a few clicks. Plus, with e-statements available, you can say goodbye to paper clutter and access your financial records anytime. Keeping track of your spending has never been easier! If you're always on the move, you'll appreciate our mobile application. It not only lets you manage your accounts directly from your smartphone but also supports mobile payments. Imagine paying for groceries or splitting dinner costs with friends using just your phone it's that convenient! And with person-to-person transfers, sending money to someone is as simple as a text message.

Security You Can Trust

Your safety is our priority. While we do not currently offer electronic signature authorization, rest assured that our online and mobile platforms use robust security measures to keep your information safe. We are committed to providing user-friendly services that enhance your banking experience while ensuring peace of mind.

Financial Strength

Commitment to Members

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. This approach underscores our dedication to your financial well-being.

Dedicated Team

We also take pride in having 58 full-time employees and 2 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team dedicated to your needs.

Growing Member Base

Total Share Accounts stand at 30,274, showing a strong and growing member base that trusts us with their finances. This trust empowers us to serve even more people in our community. 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 201 N Main St Tipton In 46072 or call (765) 675-8848 to learn more about how we can help you achieve your financial goals.

Member Savings Security

Members' savings are secured through $88,633,420 in share certificates, offering stable and rewarding financial growth opportunities. While we currently have $0 in money market shares, our focus remains on providing you with the best possible options for your savings.

Operational Efficiency

Our performance is reflected in our $0, showcasing our operational efficiency that allows us to continue offering competitive loan rates and solid financial products for our members.

Reinvestment for Better Services

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 commitment to excellence means we're always looking for ways to improve your experience.

Strong Financial Position

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.

Support for Your Financial Goals

Our lending capacity is robust, with $6,480 in used auto loans and $222,465,839 in total loans and leases supporting members' financial goals across various sectors. This wide range of offerings ensures that whether you're looking for a vehicle or funding for other needs, we've got you covered.

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 brand-new model or a reliable used vehicle, our team is here to guide you through the process and help you find the best fit for your budget.

Credit Lines and Business Financing

For those who need more flexibility, our credit lines totaling $59,197,035 allow for quick access to funds when needed. Additionally, if you're a business owner, our outstanding commercial loans totaling $10,340,427 provide the capital needed to grow and expand. No matter what financial goal you have in mind, our team at Encompass is ready to assist you every step of the way. Feel free to reach out at (765) 675-8848, visit us at 201 N Main St Tipton In 46072, or explore more about our offerings online at our website. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

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 offer competitive rates and personalized service to ensure you understand all your options. If you're considering refinancing your current mortgage, we can discuss eligibility and how it might benefit you.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $1,033,650 in loans helping members manage their finances effectively. This option can be a great way to build credit while enjoying rewards on your everyday purchases.

Loan Aggregator

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Ensuring Accurate Comparisons

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ENCOMPASS FEDERAL CREDIT UNION