Explorers Credit Union Parkston SD | Affordable Auto Loans & Business Banking

Introduction

Welcome to Explorers at our Parkston branch, located at 302 S Sd Highway 37, Parkston, SD 57366. Since our establishment in 1962, we have been dedicated to serving our community with trust and integrity. With a total membership of 8,995 and assets amounting to $103,528,260, we strive to provide exceptional financial services tailored to your needs. At Explorers, we're more than just a credit union; we're your neighbors. Our friendly team of 28 employees, led by CEO April Tompkins and Board President Brendan Gramkow, is committed to helping you achieve your financial goals. Whether you're looking for personal banking options like checking and savings accounts or need financing for a new vehicle, we have you covered. We understand the importance of community impact. With total loans exceeding 5,291 and deposits reaching $8,540,013, we reinvest in local initiatives that benefit our members and strengthen the Parkston area. Our net worth stands at an impressive $9,507,486, reflecting our solid foundation and commitment to your financial well-being. While members can visit us at our branch for all their banking needs, we also offer convenient services such as online banking and a drive-thru option for easy access. If you have questions or want to discuss your financial future with us, feel free to call us at 605-928-7520 during our operating hours from 9:00 AM to 5:00 PM on weekdays and from 9:00 AM to 12:00 PM on Saturdays. Join us at Explorers Credit Union today where your financial journey begins! For more information about our services or to get started with an account, visit us online at explorerscu.com.

Branch History & Mission

At Explorers Credit Union, we take pride in our rich legacy and commitment to serving the community. Since opening our doors in 1962, we have grown from a small financial institution into a trusted partner for nearly 9,000 members in Parkston, SD, and beyond. Our branch is conveniently located at 302 S Sd Highway 37, easily accessible for those who live or work nearby. Over the years, Explorers has achieved significant milestones. We have steadily increased our total assets to an impressive $103,528,260, reflecting our sound financial management and dedication to our members' needs. Our journey has been marked by a steadfast focus on providing personalized service and innovative financial solutions tailored to each member's unique circumstances. Our mission is clear: to empower our members through comprehensive financial services while fostering a strong sense of community support. We offer a variety of services including checking and savings accounts, auto loans, mortgage options, personal loans, and business banking solutions. Each service is designed with the goal of helping our members achieve their financial aspirations. While members can visit us at 302 S Sd Highway 37 Parkston Sd 57366, official correspondence should be sent to the same address as we do not have a different mailing address. We invite you to connect with us during our operating hours from 9:00 AM to 5:00 PM Monday through Friday and 9:00 AM to 12:00 PM Saturday. With both ATM access and drive-thru banking available, we've made it easier than ever for you to manage your finances conveniently. At Explorers Credit Union, we are more than just a financial institution; we are an integral part of the Parkston community. We actively engage in outreach initiatives that support local causes and partnerships that uplift those around us. Our commitment goes beyond banking; it's about building relationships and fostering growth within our community. As we continue to embrace digital advancements like online banking and mobile app access, we remain focused on ensuring that all members feel supported and valued. Every step we take is guided by our desire to enhance the member experience while ensuring ADA compliance and offering customer-centric initiatives. Join us at Explorers Credit Union today! Experience firsthand how being part of our family can positively impact your financial journey. We're excited to welcome you into our thriving community where your goals are at the heart of what we do. For more information or assistance, feel free to reach out at (605) 928-7520 or visit us online at Explorers Credit Union.

Branch Location & Accessibility

Come Visit Us!

We invite you to experience the friendly service at Explorers Credit Union! If you have any questions or need assistance, feel free to call us at (605) 928-7520. Our team is here to help you navigate all your banking needs with ease and confidence. We look forward to welcoming you soon!

Convenient Access

Our branch is easy to find, nestled near local landmarks that make it a familiar stop for many residents. Whether you're coming from downtown or the surrounding areas, our location is designed with your convenience in mind. We offer ample parking right outside our doors, ensuring that you can quickly pop in for your banking needs. Plus, our branch is fully ADA compliant, making it accessible for everyone.

Operating Hours

At Explorers, we understand that life can get busy. That's why we've tailored our operating hours to fit your schedule. Our lobby is open from 9:00 AM to 5:00 PM Monday through Friday, and we also have drive-thru service available on Saturdays from 9:00 AM to 12:00 PM. This way, you can take care of your banking tasks when it's most convenient for you!

Services and Amenities

We offer a variety of services designed to meet your financial needs. From personal banking solutions like checking and savings accounts to auto loans and mortgage options, we've got you covered. Need cash? Our ATM is available for quick withdrawals and balance checks anytime during business hours. If you're looking for simple transactions, our drive-thru service makes banking even easier. While members can visit us at 302 S Sd Highway 37 Parkston Sd 57366, official correspondence should be sent to our mailing address if applicable.

Member Eligibility

At Explorers, we believe that everyone deserves a chance to be part of a supportive financial community. Becoming a member is not just about opening an account; it's about joining a family that cares about your financial well-being. If you live, work, or worship in the Parkston area, or have a family member who is already a member, you're likely eligible to join us! To learn more about the specific eligibility criteria, feel free to check out our detailed guidelines. Getting started is easy! Once you're ready to take the next step, simply visit us at 302 S Sd Highway 37 Parkston Sd 57366 or give us a call at (605) 928-7520. Our friendly staff is here to guide you through the account opening process and answer any questions you might have. Join Explorers today and discover how we can help you achieve your financial goals! For more information on opening an account, please visit https://explorerscu.com/loans/auto/.

Business Banking & Commercial Services

Business Loan Options

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 $586,212, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In today's fast-paced world, seamless transactions are vital for keeping customers happy. Our merchant services simplify payment processing, allowing you to focus on what you do best running your business. Whether it's accepting card payments or managing online sales, we provide solutions that meet your operational needs. Located at 302 S Sd Highway 37 Parkston Sd 57366 in Parkston, SD, we're here to help your business thrive. Reach out at (605) 928-7520 to discover how our business banking services can empower your success!

Comprehensive List Of Services

Business Banking

If you're a business owner or entrepreneur, our business banking services are here to empower your venture. We provide essential merchant services and flexible business loans that can help you manage cash flow and support growth.

Digital Banking Convenience

In today's fast-paced world, having access to your finances anytime is crucial. That's why we offer robust online and mobile banking features. You can easily check balances, make transfers, and pay bills from the comfort of your home or on the go. Plus, with our ATM and cash withdrawal services available right here at the branch, accessing your money has never been easier.

Easy Transactions

For those quick errands, our basic drive-thru banking allows for simple transactions like deposits and withdrawals without leaving your vehicle. If you prefer using an ATM, we have basic access for balance checks and cash withdrawals as well. At Explorers, we're committed to serving our members with warmth and dedication. Our friendly team is ready to answer any questions you may have about our services or assist you in opening an account. Give us a call at 605-928-7520, visit us online at explorerscu.com, or stop by the branch during our operating hours: Monday through Friday from 9 AM to 5 PM and Saturday from 9 AM to 12 PM. Explore all that we have to offer today!

Personal Banking

We understand that managing your finances is essential for peace of mind. Our checking and savings accounts are designed with you in mind, making it easy to keep track of your spending and save for what matters most. If you're considering buying a new car, our auto loans and vehicle financing options can help you get behind the wheel without breaking the bank. For those looking to invest in their dream home, we offer mortgage loans and refinancing solutions tailored to fit your budget. Additionally, our personal loans and debt consolidation services can assist you in managing existing debt or funding personal projects. And don't forget about our credit cards with rewards, which provide benefits for everyday purchases.

Digital & Online Banking

Key Features for Your Convenience

Our online banking platform offers a variety of features tailored to meet your needs. You can easily check balances, transfer funds, and manage transactions right from your computer or mobile device. For those who prefer using their smartphones, our mobile application provides an intuitive interface that keeps you connected to your finances with just a few taps. Worried about security? Rest easy knowing that we prioritize your safety. Our electronic signature authorization makes it easy to sign documents securely from anywhere without the hassle of printing or mailing. Plus, e-statements are available to help you keep track of your financial activity while reducing paper clutter.

Stay Connected with Person-to-Person Transfers

Need to send money to a friend or family member? Our person-to-person transfer feature allows you to send funds quickly and easily, making it a breeze to settle up for dinner or share expenses. Whether you're paying bills or sending money across town, our digital services ensure that you're always in control of your finances. With everything at your fingertips, managing your money has never been easier. In short, Explorers is committed to providing you with the tools you need for real-time account management and ease-of-use. Explore all that our digital banking options have to offer today!

Financial Strength

A Growing Community

Total Share Accounts: 19,330 show a strong and growing member base that trusts us with their finances. With net shares amounting to $50,316, we have funds available for lending and investments that directly benefit you. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Explorers is your trusted partner. Visit us at 302 S Sd Highway 37 Parkston Sd 57366 or call (605) 928-7520 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.

Focused on You

Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Investment in Growth

With $8,723,026 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Our capacity for lending is highlighted by $1,706 in used auto loans and $64,068,869 in total loans and leases, which supports your financial goals across various sectors.

Member Savings are Secure

Members' savings are secured through $8,864,247 in share certificates, offering stable and rewarding financial growth opportunities. While we currently hold $0 in money market shares, our priority is always to serve you with the best options available.

Operational Efficiency

Our efficient management is reflected in our $123,768, enabling us to continue offering competitive loan rates and solid financial products for our members. We are proud to have 26 full-time employees and 2 part-time employees ready to assist you whenever you need support.

Strong Financial Position

With a net worth of $9,507,486, we maintain robust financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 9.18% 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 $22,815,954 in used vehicle loans and $3,226,039 in new vehicle loans already helping members get on the road. We provide flexible terms that fit your budget, making it easier than ever to drive away in the vehicle you want.

Business Loans

For business owners, our outstanding commercial loans totaling $586,212 provide the capital needed to grow and expand your business operations. We understand the challenges of running a business and are here to support your journey. If you're considering refinancing or would like more information about eligibility options for any of our loan products, please reach out. Our team is here to assist you every step of the way. You can contact us at 605-928-7520 or visit us at 302 S Sd Highway 37 Parkston Sd 57366 during our operating hours: Monday through Friday from 9:00 AM to 5:00 PM and Saturday from 9:00 AM to 12:00 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. At Explorers, we are committed to providing you with transparent and reliable financial solutions tailored just for you!

Credit Lines

For those who need additional flexibility, our credit lines totaling $15,000,000 provide a safety net for unexpected expenses or planned purchases. This option is designed to give you access to funds whenever you need them.

Mortgage Options

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $4,405,566, make buying or refinancing simple. We work closely with you to find the right mortgage solution that meets your needs.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $1,902,066 in loans helping members manage their finances effectively. These cards are great for everyday purchases and can assist you in building credit without the need for collateral.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring 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 ensures that users receive fair and transparent offers when comparing loans. Each listed loan option reflects current market conditions, allowing for accurate assessments.

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