First Education Credit Union Cheyenne WY | Low Mortgage Rates & Auto Loans

Introduction

Welcome to First Education Federal Credit Union, where your financial journey is our priority! Located at 120 W Carlson St, Cheyenne, WY 82009, we have been proudly serving our members since 1947. With a strong commitment to our community and a membership of over 5,588 individuals, we strive to make banking accessible, friendly, and tailored to your needs. At First Education, we understand that financial decisions can be challenging. That's why we offer a range of services designed with you in mind from personal checking and savings accounts to auto loans and mortgages. Our total assets exceed $82 million, ensuring that we have the resources to support your financial goals effectively. With $7,022,029 in total deposits and a net worth of $6,991,024, our credit union stands on solid ground, ready to assist you with your financial aspirations. Our dedicated team is led by CEO James Yates and Board President Dan Sawyer, who are passionate about fostering a welcoming environment for all members. Whether you have questions about opening an account or need assistance with a loan application, we're here to help. You can reach us at 307-432-7400 or visit us during our operating hours: Monday through Friday from 8:30 AM to 5:30 PM and Saturday from 9:00 AM to 12:00 PM for drive-thru service. For official correspondence, please use our mailing address: PO Box 20030, Cheyenne, WY 82003. We invite you to explore our website at firstedfcu.com for more information about our services and how we can assist you on your financial journey. Join us today and experience the difference of community-focused banking!

Branch History & Mission

Welcome to First Education, a cornerstone of financial support in Cheyenne, WY. Established in 1947, our branch has grown from humble beginnings into a thriving institution that proudly serves over 5,588 members. With total assets reaching an impressive $82,240,965, we are committed to providing comprehensive financial services tailored to the needs of our community. Located at 120 W Carlson St, Cheyenne, WY 82009, our branch is easily accessible and close to local landmarks that make it a familiar stop for many. Our mission revolves around more than just banking; it's about empowering individuals and families through education and financial literacy. We believe that when our members thrive, the entire community flourishes. Over the years, First Education has evolved alongside technological advancements while remaining dedicated to our core values of integrity and service. We embrace digital solutions like online banking and mobile payments to ensure convenience for our members while maintaining a personal touch through face-to-face interactions at our branch. At First Education, we take pride in our commitment to accessibility. Our facilities comply with ADA standards, ensuring that everyone can benefit from our services. Whether you prefer visiting us in person or connecting digitally, we strive to meet your needs every step of the way. Our mission is clear: to provide exceptional financial products while nurturing community connections. We offer a range of services including checking and savings accounts, auto loans, mortgages, credit cards with rewards, and business banking solutions. Moreover, we actively engage with local organizations and initiatives to support those in need and promote overall well-being within Cheyenne. While members can visit us at 120 W Carlson St, official correspondence should be sent to PO Box 20030, Cheyenne, WY 82003 if needed. We invite you to experience the benefits of membership at First Education. Join us today and discover how we can help you achieve your financial goals while being part of a caring community. Call us at 307-432-7400 or visit our website at firstedfcu.com to learn more about becoming a member!

Branch Location & Accessibility

Connect with Us

If you have any questions or need assistance, feel free to give us a call at 307-432-7400. Our friendly team is always ready to help. We invite you to stop by our Cheyenne branch today let's work together towards achieving your financial goals!

Nearby Landmarks and Accessibility

Situated near popular spots like the Cheyenne Depot Museum and the historic Wyoming State Capitol, our branch is easily accessible for everyone in the community. Parking is readily available, ensuring that you can visit us without any hassle. Our facility meets ADA compliance standards, featuring ramps and accessible entrances so that all members can comfortably navigate their banking experience.

Operating Hours

We understand that life can be busy, which is why our lobby hours are set from 8:30 AM to 5:30 PM Monday through Friday. If you need assistance on weekends, don't worry! Our drive-thru service operates on Saturday from 9 AM to 12 PM, providing a convenient option for those who can't make it during the week.

Services Offered

At First Education Federal Credit Union, we offer a wide range of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we have solutions designed just for you. Additionally, our drive-thru allows for quick deposits and withdrawals, making your banking experience smooth and efficient. We also participate in shared services with partner credit unions for added convenience.

Member Eligibility

Becoming a member of First Education feels like joining a warm, welcoming family that truly cares about your financial well-being. If you're in the Cheyenne area, or if you work for or are affiliated with certain organizations in Wyoming, you may already be eligible to join us! We believe in making banking accessible for everyone, which is why we've kept our membership criteria friendly and straightforward. To find out more about who can become a member, please check out our detailed eligibility information at https://firstedfcu.com/membership/. Once you see that you qualify, opening an account is just as simple. We're here to guide you through the process at First Education, located at 120 W Carlson St Cheyenne Wy 82009. Whether you're looking for personal banking options or loans, we offer a range of services tailored to meet your needs. If you have any questions or need assistance, don't hesitate to call us at (307) 432-7400. Join us today and experience the benefits of being part of our community! For more details on how to open an account, visit https://my.firstedfcu.com/enroll.

Business Banking & Commercial Services

Loan Options for Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. While we currently have no member or non-member commercial loans funded, we're excited to explore opportunities with you. Our goal is to facilitate your ambitions, whether that means securing capital for equipment purchases, inventory stocking, or property expansion.

Merchant Services Made Easy

In addition to loans, we offer essential merchant services that simplify payment processing for businesses of all sizes. Imagine having a reliable system that lets you accept payments seamlessly, whether in-store or online. This means more time focusing on what you do best running your business while we take care of the financial transactions. Located at 120 W Carlson St Cheyenne Wy 82009, our team is here to help you navigate your business banking needs. Contact us today at (307) 432-7400 to learn more about how we can assist in your journey toward success!

Comprehensive List Of Services

ATM Services

Need cash on the go? With our ATM services, you can withdraw cash or check your balance at any time. We also have basic ATM access available for all members, so managing your money has never been easier. Whether you're navigating personal finances or seeking business solutions, First Education is here to help every step of the way. Don't hesitate to reach out at (307) 432-7400 or visit us online at First Education Federal Credit Union for more information about how we can serve you better. Let's work together towards achieving your financial dreams!

Business Services

For our members who run businesses, we provide tailored solutions through our business banking services. From merchant services that make transactions easier to various types of business loans, we support local entrepreneurs in achieving their goals.

Convenient Access

In today's fast-paced world, convenience is key. That's why we have invested in robust online and mobile banking platforms that allow you to manage your accounts anytime, anywhere. You can easily check balances, transfer funds, and pay bills with just a few taps on your smartphone or computer. For those times when you prefer face-to-face interaction, we offer basic drive-thru banking services where you can handle deposits, withdrawals, and simple transactions quickly and efficiently. And if you're a member of a partner credit union, our shared branch transactions ensure that accessing funds remains hassle-free.

Financial Flexibility

Sometimes life throws unexpected expenses your way. Our personal loans and debt consolidation services give you the flexibility to manage those situations without stress. Plus, our credit cards with rewards can help you earn points on your everyday purchases, turning spending into savings!

Home Financing

Thinking about buying a home? Our mortgage loans and refinancing options allow you to explore various possibilities, whether you're purchasing your first home or looking to refinance an existing mortgage for better rates.

Personal Banking

We offer a variety of personal banking options that cater to everyday needs. Our checking and savings accounts provide the perfect foundation for managing your money, helping you save for future goals or simply keep your funds secure. If you're in the market for a new vehicle, our auto loans and vehicle financing solutions make it easy to get behind the wheel without breaking the bank.

Digital & Online Banking

Key Features for Your Convenience

Our platform provides 24/7 online banking services, allowing you to check balances, transfer funds, and pay bills at your convenience. You can also enjoy the ease of electronic signature authorization, making it simple to sign documents without needing to visit a branch. Plus, our e-statements feature helps you keep track of your finances while reducing paper clutter. If you're always on the go, our mobile application brings banking right to your fingertips. Whether you want to make person-to-person transfers or utilize mobile payments, we've got you covered. These features not only save time but also offer a safe way to manage your money directly from your smartphone.

Security and Accessibility

We prioritize your security with advanced measures in place, ensuring that your personal information remains protected while you bank online. Our user-friendly interface makes navigation straightforward, so even if you're new to digital banking, you'll find it easy to use. With these convenient features available at First Education, managing your finances has never been more accessible or secure. Embrace the freedom of real-time account management and take control of your financial journey today!

Financial Strength

Commitment to Growth

With $6,045,797 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 $467 in used auto loans and $29,573,625 in total loans and leases.

Growing Member Base

Total Share and Deposit Accounts: 10,194, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $0 further illustrates our capability to support your financial journey. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, First Education is your trusted partner. Visit us at 120 W Carlson St Cheyenne Wy 82009 or call (307) 432-7400 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.

Member-Focused Savings

Members' savings are secured through $5,533,481 in share certificates and $8,930,539 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.

Operational Efficiency

Our operational efficiency is highlighted by a net income of $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 15 full-time employees and 4 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Solid Financial Foundation

With a net worth of $6,991,024, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $850 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 $7,594,065 in used vehicle loans and $4,248,020 in new vehicle loans already helping members get on the road. Whether you're considering financing a brand-new model or a reliable used car, we are here to assist you every step of the way.

Credit Lines

Our credit lines are designed to give you access to funds when you need them most. With total credit lines amounting to $5,689,029, they offer flexibility and convenience for those unplanned expenses or projects that arise.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $5,820,743, make buying or refinancing simple. We guide you through the process and provide personalized support to ensure that your journey into homeownership is as smooth as possible.

Refinancing and Eligibility

If you're considering refinancing an existing loan or exploring eligibility options for any of our products, our team is ready to assist. We work closely with our members to find solutions that meet their specific financial situations. For any inquiries about our loan offerings or to see how we can help you today, feel free to reach out at 307-432-7400. Visit us at our branch located at 120 W Carlson St Cheyenne Wy 82009 or check out our website at First Education for more details. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Your financial future is important let's build it together!

Unsecured Credit Card Loans

Managing your finances effectively is essential. We also offer flexible terms on unsecured credit card loans, with a total of $1,629,034 in loans available to help you cover everyday expenses or manage larger purchases. These cards can provide the freedom you need while still being manageable within your budget.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions. Thousands of users trust LendMesh for loan comparisons. One member shared, "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This level of satisfaction underscores the effectiveness of the tool in helping individuals secure better financial outcomes. Compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

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 ensures that all offers presented are fair and transparent. Users can trust that they are viewing accurate information about current loan options.

First Education