Financial Plus Credit Union Ottawa IL | Affordable Auto Loans & Business Banking

Introduction

Welcome to Financial Plus, your trusted partner in personal and business banking since 1951. Located at 800 Chestnut St, Ottawa, IL 61350, we take pride in serving our community with dedication and care. With a robust membership of 44,513 and assets totaling $509,471,650, we are committed to providing you with personalized financial solutions that meet your unique needs. At Financial Plus, we understand that financial well-being goes beyond numbers. Our experienced team of over 100 employees, led by CEO Peter Fauth and Board President Joseph Navarro, is here to help you navigate your financial journey. Whether you're looking for checking accounts, auto loans, mortgages, or credit cards with rewards, our diverse range of services has something for everyone. While members can visit us at our branch location, official correspondence should be sent to the same address: 800 Chestnut St., Ottawa, IL 61350. We encourage you to explore our offerings on our website at financialplus.org, where you can find more details about how we can assist you. Our commitment to the community is reflected in our total deposits of $26,926,591 and a net worth of $67,774,826. With cash readily available at $5,780,158, we're equipped to support your financial aspirations while ensuring peace of mind. Join us today and experience the difference that comes with being a member of Financial Plus. For inquiries or assistance, don't hesitate to call us at (815) 433-1496. We look forward to welcoming you into our family!

Branch History & Mission

Community Engagement

Over the years, we've partnered with various local organizations to support community initiatives. From financial literacy programs to sponsoring local events, we are committed to making Ottawa a better place for all its residents. This commitment fosters a sense of belonging among our members and strengthens community ties. As part of our ongoing efforts to serve everyone effectively, we ensure that our branch is ADA compliant and offers essential services such as ATM access and drive-thru banking for added convenience.

Join Us

We invite you to experience the Financial Plus difference! Whether you're looking for competitive loan rates or simply want advice on managing your finances better, we're here for you. With operating hours from 8 AM - 5 PM Monday through Thursday and extended hours on Friday until 5:30 PM (and Saturday until noon), there's always time for us to connect. Join us at Financial Plus and become part of a vibrant community dedicated to your financial well-being. Visit us today or call us at 815-433-1496 to learn more about how we can help you achieve your financial goals!

Our Mission

At the core of Financial Plus is a simple yet powerful mission: to provide exceptional financial services while supporting and uplifting our community. We believe in empowering our members by offering personal banking solutions like checking and savings accounts, auto loans, mortgage loans, and credit cards with rewards. We also cater to businesses through merchant services and business loans. Our dedication goes beyond just numbers; we strive to make a meaningful impact on the lives of those we serve. We embrace digital advancements to enhance member experiences offering online banking, mobile payments, and e-statements to ensure convenience and accessibility for everyone.

Branch Location & Accessibility

Banking Services at Your Fingertips

Financial Plus is equipped with an ATM on-site for quick cash withdrawals or balance checks anytime you need them. Additionally, we proudly offer drive-thru banking services for those who prefer not to enter the building. You can handle deposits, withdrawals, and simple transactions without ever leaving your car! While members can visit us at our physical location for personal banking services ranging from checking and savings accounts to auto loans and mortgage options official correspondence should be sent to our mailing address at 800 Chestnut St., Ottawa, IL 61350 if it's different.

Convenient Access and Amenities

At Financial Plus, we ensure that visiting us is a breeze. Our branch features ample parking spaces, so you won't have to worry about finding a spot. For those who need assistance, our facility is ADA-compliant with accessible ramps and entrances to accommodate everyone comfortably. We understand that life can be busy, which is why we offer convenient operating hours. You can visit us Monday through Thursday from 8 AM to 5 PM, Friday from 8 AM to 5:30 PM, and even Saturday mornings from 8 AM to 12 PM! Whether you're looking to open a new account, apply for a loan, or simply ask questions about your banking needs, our friendly team is here to help.

Visit Us Today!

We invite you to stop by Financial Plus at your convenience! Our dedicated staff is ready to assist you with all your financial needs. If you have any questions or want to learn more about how we can serve you better, feel free to call us at 815-433-1496. Come see what makes us different today!

Member Eligibility

Welcome to the Financial Plus family, where becoming a member is like stepping into a community that truly cares about your financial well-being. Joining us at Financial Plus is easy and open to many! If you live, work, worship, or attend school in the Ottawa area or have a family member who does, you're likely eligible for membership. We pride ourselves on making our services accessible to everyone, so whether you're looking for checking accounts, loans, or savings options, you'll find a supportive partner in us. To get started on your journey with us at Financial Plus, simply visit us at our welcoming location at 800 Chestnut St Ottawa Il 61350 or give us a call at (815) 433-1496. We're here to help you every step of the way. For more details on eligibility requirements and to ensure you have the most up-to-date information. Embrace the opportunity to be part of something special your financial future awaits!

Business Banking & Commercial Services

Business Loans That Empower Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. Additionally, we support the broader business community with $16 in non-member commercial loans, providing flexible financing solutions for those who need it.

Merchant Services Tailored for Your Success

Beyond loans, our merchant services help streamline operations for businesses of all sizes. Imagine having a reliable payment solution that allows you to accept payments easily from your customers. This not only enhances customer satisfaction but also improves cash flow, making it easier for you to focus on what matters most growing your business. If you're interested in how we can assist your business further, feel free to visit us at 800 Chestnut St, or give us a call at 815-433-1496. Let's work together to turn your business vision into reality!

Comprehensive List Of Services

Business Banking

If you're a business owner, you'll appreciate our dedicated business banking services. From merchant services that simplify transactions to tailored business loans that help you grow, we're committed to supporting local businesses in Ottawa.

Convenient Access

In today's fast-paced world, convenience is key. Our robust online and mobile banking platforms ensure that you can manage your accounts anytime, anywhere. Whether it's checking balances, transferring funds, or making payments with just a few taps on your phone, we make banking easy. We also provide ATM services for quick cash withdrawals and basic transactions without the hassle.

Credit Cards

For those who love rewards, our credit cards with rewards programs allow you to earn points on every purchase. It's a simple way to save while spending on things you already buy.

Drive-Thru and ATM Services

For those who prefer face-to-face interactions but are short on time, our drive-thru banking allows for easy deposits and withdrawals without leaving your vehicle. With basic ATM access available at our branch, getting cash or checking balances has never been simpler. At Financial Plus, we strive to create an environment where all members feel valued and supported in their financial journeys. If you're ready to explore how we can assist you further or if you have any questions about our services, please don't hesitate to reach out! You can give us a call at 815-433-1496, or stop by our branch today! Join us at Financial Plus where your financial well-being comes first!

Loans and Financing

Life can throw unexpected expenses your way, and having access to funds when you need them is crucial. At Financial Plus, we provide personal loans for those times when you need extra cash, as well as options for debt consolidation to help manage multiple payments more easily. If you're thinking about purchasing a vehicle, our competitive rates on auto loans and vehicle financing make it easier than ever. Additionally, if you're looking to invest in property, our mortgage loans and refinancing options are designed to suit various budgets and situations.

Personal Banking

We understand that managing personal finances can sometimes feel overwhelming. That's why we offer a range of personal banking services designed with your needs in mind. Whether you're opening a checking or savings account, looking for an auto loan to buy your dream car, or considering a mortgage loan for your new home, we've got you covered. Our team is here to guide you through each step, ensuring you have the right options tailored to your lifestyle.

Digital & Online Banking

At Financial Plus, we understand that convenience and security are key when it comes to managing your finances. That's why we offer a range of digital and online banking services designed to make your banking experience as smooth and secure as possible. With our 24/7 online banking services, you can access your accounts anytime, anywhere, giving you complete control over your finances. One of the standout features available is our user-friendly online banking platform, which you can explore at https://www.financialplus.org. Here, you can easily check balances, transfer funds, and pay bills without the hassle of visiting a branch. Plus, with our electronic signature authorization, signing documents is quick and straightforward no more printing and scanning. For those who prefer to manage their finances on the go, our mobile application makes it easy to bank from your smartphone. You can not only monitor your accounts but also take advantage of person-to-person transfers. Sending money to friends or family has never been simpler! And if you're someone who likes using mobile payments for quick transactions, you'll be pleased to know that we support this feature too. We also offer e-statements for those who want to keep things paperless. You can receive your account statements electronically, making it easier to stay organized while helping the environment at the same time. At Financial Plus, we prioritize your security with robust measures in place for all digital transactions. Our online banking services are designed to be intuitive and accessible, ensuring that managing your money is both easy and safe. Whether you're at home or out and about, you can rest easy knowing that your financial information is secure with us. Explore the future of banking today by visiting https://www.financialplus.org! Your financial journey just got a whole lot easier with Financial Plus's digital banking services.

Financial Strength

At Financial Plus, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are proud to share our financial strength with you, ensuring that your trust in us is well-placed. With a net worth of $67,774,826, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 13.29% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $90,325,182 in share certificates and $48,123,393 in money market shares, offering stable and rewarding financial growth opportunities. 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. With $56,665,308 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Our lending capacity supports your financial goals across various sectors with $53,488 in used auto loans and a total of $327,370,327 in loans and leases. Our operational efficiency is reflected in our net income of $4,699,141, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 92 full-time employees and 14 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. We have a robust member base with a total of 78,387 share accounts, reflecting the trust our members place in us. This strong community connection drives us to provide the best possible service every day. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Financial Plus is your trusted partner. Visit us at 800 Chestnut St., Ottawa IL 61350 or call (815) 433-1496 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.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. We have already helped our members secure over $137,115,362 in used vehicle loans and $29,259,224 in new vehicle loans. Whether you're considering a brand-new model or a reliable used car, we can help you get on the road quickly and affordably.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $6,799,019, making it easier for you to find a home that suits your lifestyle. If you're looking to refinance your current mortgage, we provide competitive rates and flexible terms to ensure you feel confident in your decision.

Other Loan Products

In addition to these offerings, we also provide personal loans and lines of credit totaling $162,229,319, ensuring that whether you're consolidating debt or making a significant purchase, we've got you covered. Our team is dedicated to helping you explore all options available to make informed financial decisions. For those interested in business financing, we currently do not have outstanding commercial loans available; however, we remain committed to serving our community's needs as they arise. At Financial Plus, we're not just about numbers; we're about building lasting relationships with our members. Our goal is to empower you through sound financial solutions that are accessible and easy to understand. For more information on our loan products or how we can assist you further, please visit us at Financial Plus or call us directly at 815-433-1496. Remember that 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

Managing your finances effectively is important, and we are here to help. We offer flexible terms on unsecured credit card loans, with a total of $10,284,644 in loans available to our members. This means you can enjoy the convenience of cashless transactions while keeping track of your spending.

Loan Aggregator

Benefits of Using LendMesh

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How LendMesh Ensures Accurate Loan 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 approach ensures that users receive fair and transparent offers, making it easier to compare different loans accurately.

FINANCIAL PLUS CREDIT UNION - Ottawa, IL

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