First County Credit Union Muncie IN | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to First County, your trusted financial partner since 1961! Located conveniently at 1805 N Elm St, Muncie, IN 47303, our Elm Street Branch is dedicated to serving the needs of our community. With a strong membership base of over 3,310 individuals, we pride ourselves on being a member-focused credit union that prioritizes your financial well-being. At First County, we understand that life's journey can have its ups and downs. That's why we offer a variety of financial services tailored to meet your unique needs. Whether you're looking for auto loans, mortgage financing, or personal loans for debt consolidation, we've got you covered. Our total assets stand at an impressive $31,686,450, showcasing our stability and commitment to providing quality service. With total deposits reaching $1,529,269, our members trust us with their finances. Our CEO, Julie Eskew, and Board President, Michael Fox, lead a dedicated team of 11 employees who are here to assist you with friendly service and expert advice. We believe in building lasting relationships with our members and supporting the community we serve. While you can always visit us at our branch location, please note that official correspondence should be sent to the same address: 1805 N Elm St, Muncie, IN 47303-2104. If you're ready to take the next step toward achieving your financial goals or if you have any questions about our services, don't hesitate to reach out! Call us at 765-282-2236 during our lobby hours from Monday to Friday between 8:00 AM and 5:00 PM. Let First County be your guide in making smart financial decisions today!

Branch History & Mission

Welcome to the First County, a pillar of strength and support in Muncie, Indiana. Established in 1961, our branch has proudly served the community for over six decades. Located at 1805 N Elm St, we are nestled in a vibrant part of town, easily accessible to residents and businesses alike. Our journey began with a simple yet powerful mission: to provide financial services that empower our members and uplift our community. Over the years, First County has grown significantly, currently boasting a total membership of 3,310. This growth is a testament to the trust and loyalty of our members who have chosen us as their financial partner. With total assets amounting to $31,686,450, we have remained committed to fostering financial wellness among individuals and families in Muncie and beyond. Our mission is clear: First County aims to offer more than just banking services; we strive to be an integral part of our community's success. We provide personal banking options such as checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and business banking solutions. Our goal is to ensure that every member has access to resources that help them achieve their financial dreams. While members can visit us at 1805 N Elm St for all their banking needs during our operating hours Monday through Friday from 8:00 AM to 5:00 PM official correspondence should be sent to our mailing address at 1805 N Elm St, Muncie, IN 47303-2104. At First County, we embrace innovation while maintaining a strong commitment to customer service. Our digital advancements include online banking and mobile payment options that allow members to manage their finances conveniently and securely. We also prioritize accessibility by ensuring compliance with ADA standards. Community engagement is at the heart of what we do. We actively participate in local outreach efforts and form partnerships that strengthen our ties with various organizations within Muncie. These initiatives reflect our belief that when our community thrives, we thrive together. We invite you to experience the benefits of being a member of First County. Join us today and discover how we can help you navigate your financial journey with confidence and care! For any inquiries or assistance, feel free to reach out at (765) 282-2236 we're here for you!

Branch Location & Accessibility

Welcome to the First County branch, conveniently located at 1805 N Elm St in the heart of Muncie, Indiana. Our location is easy to reach, making it simple for you to access all your banking needs. Whether you're heading from nearby landmarks like the Muncie Mall or taking a stroll through our vibrant downtown area, we are here to serve you. At First County, we pride ourselves on being accessible to everyone. Our branch features ADA-compliant facilities, including ramps and designated parking spaces for those with mobility challenges. We want every member of our community to feel welcome and supported when they visit us. We understand that your time is valuable. That's why our lobby is open Monday through Friday from 8:00 AM to 5:00 PM, ensuring you have ample opportunity to come in and discuss your financial goals with our friendly staff. While members can visit us at 1805 N Elm St, official correspondence should be sent to the same address. Although we currently do not have ATM services or drive-thru banking, our dedicated team is ready to assist you inside the branch with a full range of personal and business banking services. From checking and savings accounts to auto loans and credit cards with rewards, we've got you covered. If you have any questions or need assistance before your visit, feel free to call us at 765-282-2236. We look forward to welcoming you into our branch and helping you achieve your financial dreams!

Member Eligibility

At First County, we believe that everyone deserves a place in our welcoming community. Becoming a member is easy and open to individuals who live, work, or worship in the Muncie area. If you're looking for a supportive financial partner that puts your needs first, you'll find that here! We invite you to visit our branch at 1805 N Elm St Muncie In 47303 or give us a call at (765) 282-2236 for more information on how to join. For the most current details on eligibility requirements, check out our website at . We can't wait to help you take the next step towards better banking!

Business Banking & Commercial Services

Commercial Loans

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. While we currently have no commercial loans funded, we aim to provide flexible financing solutions that help entrepreneurs like you thrive in the competitive marketplace.

Local Support

Located at 1805 N Elm St Muncie In 47303 in Muncie, IN, our team is dedicated to understanding the local market and providing personalized assistance. We're here to partner with you every step of the way, ensuring your financial needs are met efficiently. Explore how First County can be a valuable ally in your business success story!

Merchant Services

Imagine running your business without the hassle of payment processing. Our merchant services simplify transactions, allowing you to focus on what matters most growing your business. From point-of-sale solutions to online payment options, we equip you with the tools needed for seamless customer interactions.

Comprehensive List Of Services

Additional Financial Solutions

In addition to these essential services, we also offer personal loans and debt consolidation options. Life can throw unexpected expenses your way, and having access to quick cash can relieve stress. Our personal loans are designed to help you tackle those challenges head-on. If you enjoy rewards for your spending, our credit cards with rewards allow you to earn points for everyday purchases. Imagine treating yourself to something special just by using your card for regular expenses.

Business Banking Support

For local entrepreneurs and business owners, we provide comprehensive business banking services, including merchant services and business loans. We understand how vital it is for small businesses to thrive in our community, which is why we're here to help you grow.

Convenience at Your Fingertips

At First County, we prioritize convenience for all our members. With features like ATM & cash withdrawal services, you can access your funds whenever needed. Plus, our user-friendly online banking options allow you to manage everything from loan applications to account statements without stepping foot in the branch. We invite you to experience the personalized service at First County today! If you have any questions or would like more information about our offerings, feel free to call us at 765-282-2236 or visit us online at First County. Join us on this journey toward achieving your financial dreams!

Personal Banking Services

Our personal banking services are designed to make managing your money easy and convenient. We offer checking and savings accounts tailored to help you meet your financial goals. Imagine easily accessing your funds through our online and mobile banking platforms. You can check your balance, transfer funds, or pay bills from the comfort of your home or on the go. If you're considering purchasing a vehicle, our auto loans and vehicle financing options provide competitive rates and flexible terms. Picture yourself driving away in your dream car while enjoying manageable monthly payments. For those looking to buy a home or refinance an existing mortgage, our mortgage loans and refinancing services will guide you through the process with expert advice. We understand that buying a home is one of the most significant investments you'll ever make, so we ensure you're supported every step of the way.

Digital & Online Banking

Key Services

Whether you're looking to check your balance or transfer money, our online banking services are available 24/7 at https://www.firstcountyfcu.org/. This means you can stay on top of your finances whenever it suits you. Our mobile application also offers the same features, allowing you to bank on the go. You can make person-to-person transfers with just a few taps on your smartphone, making it easy to send money to friends and family.

Real-Time Account Management

Managing your accounts has never been easier. You can view transactions in real time, set up alerts for important account activities, and monitor your financial health all from the comfort of home or while on the move. At First County, we're dedicated to providing our members with tools that not only simplify banking but also enhance their overall experience. In today's fast-paced world, having access to efficient digital banking services is essential. Join us at First County and experience how convenient banking can be!

Security and Convenience

Security is our top priority. While we don't currently offer electronic signature authorization, rest assured that all transactions through our online banking are protected with robust security measures. Plus, with e-statements available, you can easily track your spending without the clutter of paper statements. If you love using mobile payment options, you're in luck! Our platform supports mobile payments, so you can pay for goods and services directly from your phone without any hassle.

Financial Strength

Commitment to Growth

With $2,433,150 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports members' financial goals across various sectors with $532 in used auto loans and $13,523,217 in total loans and leases.

Member Trust

Total Share and Deposit Accounts: 5,718, showing a strong and growing member base that trusts us with their finances. Our net shares available for lending stand at $9,151, reflecting our commitment to providing accessible financial solutions. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, First County is your trusted partner. Visit us at 1805 N Elm St Muncie In 47303 or call (765) 282-2236 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our $0 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 9 full-time employees and 2 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Secure Savings Options

Members' savings are secured through $7,189,449 in share certificates and $1,125,326 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.

Strong Capital Base

With a net worth of $3,226,798, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,018 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 $7,179,735 in used vehicle loans and $2,224,521 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new vehicle or a reliable used one, we have tailored options to suit your budget.

Credit Lines

If you need access to funds for unexpected expenses or larger purchases, our credit lines amounting to $1,840,000 provide the flexibility you need. This option allows you to borrow what you need when you need it, giving you peace of mind.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $1,870,351, make buying or refinancing simple. Our competitive rates and flexible terms can help you find the perfect solution for your housing needs.

Refinancing Options

If you're looking to lower your monthly payments or secure better interest rates, our refinancing options might be right for you. We can help evaluate your current loans and see how we can make your payments more manageable. For more information about our loan products and how they can work for you, feel free to reach out at (765) 282-2236 or visit us at 1805 N Elm St Muncie In 47303 in Muncie, IN. Our friendly staff is ready to assist you with any questions you may have. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Explore the possibilities with us today!

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $382,665 in loans helping members manage their finances effectively. These credit cards come with various benefits and rewards that can assist you in making everyday purchases easier.

Loan Aggregator

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Ensuring 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 guarantees that all offers are fair and transparent, ensuring that users receive accurate information to make informed decisions.

First County