Engage Credit Union Natchitoches LA | Best Auto Loans & Business Banking

Introduction

Welcome to Engage, your trusted credit union located at 256 Highway 3175 Byp, Natchitoches, LA 71457. Since our establishment in 1975, we have been dedicated to serving the financial needs of our community, boasting a proud membership of over 3,142 individuals. With total assets amounting to an impressive $22,223,218, we are committed to providing valuable financial services tailored to our members' needs. At Engage, we understand that navigating personal and business finances can be challenging. That's why we offer a range of products including checking and savings accounts, auto loans, mortgage options, personal loans, and even business banking solutions. Our goal is not just to meet your financial needs but to empower you with the tools necessary for financial success. Led by our CEO, Kathy Deloney, and Board President, Byron Johnson, our team of 7 dedicated employees is here to ensure that every member feels valued and supported. We take pride in our strong community ties and aim to make a positive impact through responsible lending practices and exceptional customer service. While members can visit us at our branch address for friendly assistance and advice, official correspondence should be directed to 256 Highway 3175 Byp, Natchitoches, LA 71457-9601 if needed. With total deposits reaching $2,420,418 and net worth at $4,968,163, Engage stands as a pillar of stability in the community. Whether you're looking for competitive loan rates or just need guidance on managing your finances better, we're here for you. We invite you to connect with us today! Feel free to call us at 318-238-7762 or explore more about our services at Engage FCU. Let's work together towards achieving your financial goals!

Branch History & Mission

A Legacy of Growth

Located at 256 Highway 3175 Byp, Natchitoches, LA 71457, our branch is situated in a vibrant area that reflects the spirit of our community. Over the years, we have reached several milestones that showcase our dedication to progress and innovation. From enhancing our services to adopting digital solutions like online banking and mobile payments, we've ensured that our members have access to modern conveniences while maintaining a personal touch. Our journey has been marked by numerous achievements, including expanding our product offerings to include auto loans, mortgages, personal loans, and business banking services. We believe in empowering our members through financial education and resources designed to help them achieve their goals.

Join Us Today!

With operating hours from Monday through Friday, 9:00 AM to 5:00 PM, we're here when you need us most. Whether you're visiting us for traditional banking or utilizing our drive-thru service and ATM availability, we are dedicated to making your experience as seamless as possible. While members can visit us at 256 Highway 3175 Byp Natchitoches La 71457, official correspondence should be sent to 256 Highway 3175 Byp, Natchitoches, LA 71457-9601. If you're ready to experience the benefits of being part of a community-focused credit union that truly cares about your financial future, reach out today! You can contact us at (318) 238-7762 or visit us online at Engage FCU. Together, let's build a brighter financial future!

Our Mission: Empowering Members and Supporting Community

At Engage, our mission is clear: we aim to enhance the financial well-being of our members while actively contributing to the growth of Natchitoches. We understand that every member's needs are unique. That's why we offer personalized banking solutions tailored to individual circumstances. Whether you're looking for a checking account or financing for your dream vehicle, we are here to guide you every step of the way. We also recognize the importance of giving back. Through various partnerships and outreach programs, we strive to make a positive impact within our community. We believe that by supporting local initiatives and organizations, we can foster a stronger and more connected Natchitoches.

Branch Location & Accessibility

Connect With Us

We invite you to stop by the Engage branch today! If you have any questions or want more information about our services, don't hesitate to call us at 318-238-7762. Your journey towards financial wellness starts here let's achieve it together!

Operating Hours

At Engage, we value your time. Our lobby hours are set from Monday to Friday, opening at 9:00 AM and closing at 5:00 PM. Whether you're coming in early or making a lunch break visit, we're here to help during the day when you need us most.

Parking & Accessibility

We understand that convenience matters. That's why we offer ample parking right outside our branch. Plus, our facilities are designed with accessibility in mind, featuring ADA-compliant ramps and easy entry points to ensure everyone can enjoy our services comfortably.

Services Offered

From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we've got a wide range of services tailored just for you. We also provide credit cards with rewards and business banking solutions for local entrepreneurs. Need cash? Our ATM is available on-site for withdrawals and balance checks anytime you need it. If you're in a hurry, take advantage of our drive-thru service for quick deposits and withdrawals without leaving your vehicle.

Member Eligibility

Becoming a member of Engage is like joining a close-knit family that genuinely cares about your financial well-being. We warmly welcome individuals who live, work, or worship in our community, making it easy for you to take advantage of our personalized services. By choosing Engage, you're not just opening an account; you're stepping into a supportive environment where your needs come first. If you want to learn more about the specific eligibility requirements, feel free to visit our website at . It's simple and straightforward! Once you're ready to join us, you can easily start the account opening process by visiting http://www.engagefcu.org/apply-for-a-loan or give us a call at (318) 238-7762. We look forward to having you as part of our community at Engage, located at 256 Highway 3175 Byp Natchitoches La 71457!

Business Banking & Commercial Services

Merchant Services That Work for You

In addition to loans, we offer comprehensive merchant services that simplify transactions for your business. Imagine being able to accept payments quickly and securely, allowing you to focus on what really matters growing your business. Our solutions cater to your needs, providing you with the tools necessary to thrive in today's competitive market. If you're ready to take the next step for your business, come visit us at Engage. Let's work together to build a brighter future for your enterprise. For more details, call us at (318) 238-7762 or check out our website at Engage Fcu.

Tailored Loan Solutions

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $6 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $186,238, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

ATM and Drive-Thru Services

Need cash quickly? Our branch offers convenient ATM access for withdrawals and balance checks whenever you need it. For those who prefer face-to-face interactions but are short on time, our drive-thru banking allows for simple transactions like deposits and withdrawals without leaving your vehicle. As a member of Engage, you're not just another number; you're part of a community that values financial well-being. We're committed to providing services that make managing your finances straightforward and accessible. If you're ready to explore how we can assist you further or have any questions about our offerings, don't hesitate to reach out! Call us at (318) 238-7762 or visit us at our branch in Natchitoches today!

Business Banking

For entrepreneurs and small business owners, we provide essential services like merchant services and business loans. Our team is here to assist you in managing your business finances efficiently so you can focus on what matters most growing your business.

Digital Banking Convenience

In today's fast-paced world, having access to banking anytime and anywhere is vital. Our online and mobile banking services allow you to check balances, pay bills, and transfer money right from your device. With features like mobile payments and person-to-person transfers, managing your finances has never been easier.

Loans and Credit Options

Sometimes life throws unexpected expenses your way. That's where our personal loans and debt consolidation options come into play. We understand that everyone's situation is different, which is why we work with you to find the best solution for your financial needs. Plus, with our credit cards featuring rewards, you can earn points on everyday purchases that can lead to exciting benefits.

Personal Banking

We offer various personal banking options designed to help you manage your money effectively. You can open checking and savings accounts that fit your lifestyle, making it easy to keep track of your finances. If you're planning to purchase a car, our auto loans and vehicle financing services provide competitive rates and flexible terms. For those thinking about buying a home or refinancing an existing mortgage, our mortgage loans are tailored to help you navigate the process smoothly.

Digital & Online Banking

Convenient Person-to-Person Transfers

Need to send money to a friend or family member? Our person-to-person transfer feature lets you send money in just a few taps. It's fast and simple! At Engage, we strive to provide banking solutions that not only meet but exceed your expectations. Experience the ease and accessibility of our digital banking services today!

Key Features of Our Digital Banking Services

With our online banking platform, accessible at https://engagefcu.org/ , you can check balances, transfer funds, and pay bills anytime, anywhere. The user-friendly interface ensures that even those new to online banking will feel comfortable navigating their accounts. We prioritize your security, so you can manage your money without worry.

Mobile Application for On-the-Go Banking

For members who prefer banking on their mobile devices, our mobile application is here for you. Available for download, this app allows you to access all the features of online banking right from your smartphone. You can even make mobile payments easily, allowing for quick transactions without needing cash or cards.

Stay Updated with E-Statements

Say goodbye to paper clutter! With our e-statements available, you can receive your account statements electronically, making it easy to keep track of your finances while being eco-friendly.

Financial Strength

Commitment to Growth

With $4,613,591 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. This reinvestment strategy helps us stay ahead in providing quality services tailored to your needs. Our lending capacity supports members' financial goals across various sectors with $270 in used auto loans and $18,223,605 in total loans and leases. This means whether you're looking for a new vehicle or need financing for personal projects, we're here to help.

Growing Member Base

Total Share and Deposit Accounts: 5,880, showing a strong and growing member base that trusts us with their finances. This trust fuels our mission of providing the best possible service to each member. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Engage is your trusted partner. Visit us at 256 Highway 3175 Byp Natchitoches La 71457 or call (318) 238-7762 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Operational Efficiency

Our $354,572 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. This income allows us to invest back into the services you rely on most. We also take pride in having 7 full-time employees and 0 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team who understands your needs.

Secure Savings Opportunities

Members' savings are secured through $4,153,619 in share certificates, offering stable and rewarding financial growth opportunities. While we have $0 allocated for money market shares, these options allow you to choose how best to grow your savings with us. Unlike traditional banks, we prioritize our members. With non-member deposits at $4,314,314, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Solid Financial Health

With a net worth of $4,968,163, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. This robust net worth underscores our commitment to supporting our members' financial needs effectively. Our net worth ratio of $2,236 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. This figure is crucial as it reflects our ability to withstand market fluctuations while prioritizing member benefits.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $4,094,078 in used vehicle loans and $10,047,104 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive rates to make your vehicle purchase easier than ever.

Business Loans

If you're a business owner, you'll find our outstanding commercial loans totaling $186,238 essential for providing the capital needed to grow and expand your operations.

Credit Lines

For those who prefer flexibility in managing expenses or projects, our credit lines total $900,000. This option provides peace of mind knowing that you have access to funds when needed without taking out a traditional loan.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. Although we currently do not have Junior Lien 1-4 Family Residential Properties loans available, our knowledgeable team can guide you through other financing options that may suit your needs.

Refinancing Options

At Engage, we understand that life changes and so do financial situations. That's why we offer refinancing options across various loan types. If you're looking to lower your monthly payments or access cash from your existing equity, speak with our team about eligibility requirements today. Our loan products are designed with you in mind. Whether you're making an important purchase or planning for the future, we're here to support you every step of the way. For more information about our loan offerings or to apply online, visit us at Engage FCU. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

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. This could be an excellent way for you to build credit while enjoying the benefits of easy access to funds.

Loan Aggregator

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ENGAGE FEDERAL CREDIT UNION