Heartland Credit Union Holy Rosary MO | Best Auto Loans & Business Banking

Introduction

Welcome to Holy Rosary, your trusted financial partner in the heart of Saint Joseph, Missouri! Located at 1002 N 4th St, we have been proudly serving our community since 1943. With a commitment to providing personalized banking services, Holy Rosary has grown to support over 7,600 members and manage assets totaling an impressive $43,193,462. At Holy Rosary, we believe that everyone deserves access to quality financial services. Whether you're looking for checking accounts, auto loans, or business financing options, we've got you covered. Our total deposits amount to $2,925,840, reflecting the trust our members place in us. We also offer loans and leases totaling 3,431, ensuring that we meet diverse financial needs within our community. Under the leadership of our dedicated CEO, Carole Wight, and Board President Donald Cohenour, we strive to create a welcoming environment where our members can thrive financially. Our team of 25 employees is here to assist you with any questions or concerns you may have. While members can visit us at our branch address for all your banking needs, please note that official correspondence should be sent to our mailing address: 533 Campbell St, Kansas City, MO 64106-1274. We invite you to explore what makes Holy Rosary special by visiting our website at HolyRosaryCU.org or giving us a call at (816) 221-2734. Join us today and discover how we can help you achieve your financial goals!

Branch History & Mission

Join Us

As we continue to grow and adapt to the changing needs of our community, we invite you to become part of the Holy Rosary family. Whether you're looking for a new account or need help with loans, our dedicated staff is here to assist you every step of the way. Come visit us during our operating hours Monday, Tuesday & Thursday from 9 AM to 5 PM; Wednesday from 10 AM to 5 PM; Friday from 9 AM to 6 PM; and Saturday from 9 AM to 1 PM and see how we can help you achieve your financial goals. Experience the difference at Holy Rosary! Join us today and discover why thousands of members trust us with their financial future. For more information or assistance, feel free to contact us at 816-221-2734.

Our Evolution

Holy Rosary began as a small credit union with a mission rooted in community support and member-focused service. As we expanded, we introduced various products such as checking and savings accounts, auto loans, and mortgages. Today, we also offer personal loans and business banking solutions. Our journey has been marked by milestones that showcase our dedication to improving the financial well-being of those we serve. While members can visit us at our branch address in Saint Joseph, official correspondence should be sent to our mailing address: 533 Campbell St, Kansas City, MO 64106-1274. This ensures that all communication is handled promptly and effectively.

Our Mission

At Holy Rosary, our mission is clear: We strive to provide exceptional financial services while fostering community growth. We believe in empowering individuals and families by offering accessible financial solutions that make a real difference in their lives. Our focus on community outreach is evident through partnerships with local organizations and initiatives aimed at enhancing the quality of life for all residents. We understand that banking should be convenient and user-friendly. That's why we offer online banking options and have made sure our facilities are ADA compliant. For those who prefer face-to-face interaction, we provide basic drive-thru banking services for deposits and withdrawals.

Branch Location & Accessibility

Comprehensive Services

Our St. Joseph Branch offers a full suite of personal banking services including checking and savings accounts, auto loans, mortgage loans, personal loans, credit cards with rewards, and business banking options. Whether you need assistance with everyday transactions or specialized financial products, our friendly staff is here to help.

Convenient Accessibility

At Holy Rosary, we believe banking should be hassle-free. Our branch features dedicated parking and is designed with accessibility in mind, ensuring all members can easily access our services. If you prefer drive-thru banking, you're in luck! We offer this convenient option for quick deposits and withdrawals without needing to leave your vehicle. While members can visit us at 1002 N 4Th St, official correspondence should be sent to our mailing address at 533 Campbell St, Kansas City, MO 64106-1274.

Get in Touch!

If you have any questions or want more information about our services before visiting us, don't hesitate to call us at 816-221-2734. We look forward to welcoming you soon! Come experience the difference at Holy Rosary your trusted partner in financial well-being!

Welcoming Operating Hours

We know that life can get busy, so we've crafted our operating hours to accommodate your schedule. You can visit us Monday, Tuesday, and Thursday from 9 AM to 5 PM; Wednesday from 10 AM to 5 PM; and Friday from 9 AM to 6 PM. On Saturdays, our drive-thru service is available from 9 AM until 1 PM, perfect for those weekend errands!

Member Eligibility

Becoming a member of Holy Rosary feels like joining a warm, welcoming family that truly cares about your financial well-being. If you're looking to enhance your banking experience, you'll be glad to know that membership is open to those who live, work, worship, or attend school in the Saint Joseph area. This means many in our community can enjoy the benefits we offer! We focus on serving our members with personalized services like checking and savings accounts, loans, and more tailored solutions just for you. Getting started is simple! Just visit us at 1002 N 4Th St Saint Joseph Mo 64501 or give us a call at (816) 221-2734 for any questions. You can also check out more details about eligibility by visiting this link. We can't wait to welcome you as part of our community!

Business Banking & Commercial Services

Merchant Services That Make Sense

Imagine running your business smoothly without worrying about payment processing. Our merchant services are designed to do just that. From credit card transactions to electronic payments, we ensure that you can focus on what matters most growing your business. Visit us at 1002 N 4Th St Saint Joseph Mo 64501 in Saint Joseph, MO, or call us at (816) 221-2734 to learn more about how we can partner with you on your journey to success!

Unlocking Growth with Commercial Loans

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $11 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $1 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $2,128,565, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Banking

For our entrepreneurial members, we provide comprehensive Business Banking solutions. From merchant services that simplify payment processing to various types of business loans, we are here to help your business grow and thrive.

Convenient Access

We understand that convenience is key in today's fast-paced world. That's why we offer robust Online & Mobile Banking options, allowing you to manage your accounts anytime, anywhere. You can check balances, transfer funds, and pay bills from the comfort of your home or on-the-go using our user-friendly mobile app. In addition to digital banking features, our branch provides essential ATM & cash withdrawal services for easy access to your funds. For those who prefer face-to-face interaction, we have basic drive-thru banking available for quick deposits and withdrawals.

Personal Banking

Our Personal Banking options are designed for everyday needs. You can open checking and savings accounts that help you manage your money efficiently. If you're considering buying a new car or need some extra cash for personal projects, our Auto Loans & Vehicle Financing make it easy to hit the road with confidence. We also offer Mortgage Loans & Refinancing solutions that can help you secure the home of your dreams or lower your monthly payments on an existing mortgage. If debt is weighing you down, our Personal Loans & Debt Consolidation services can assist in getting back on track without breaking the bank. Plus, don't forget to explore our Credit Cards with Rewards, which allow you to earn while you spend.

Shared Branch Transactions

Are you a member of another credit union? You can take advantage of our Basic Shared Branch Transactions, which let you conduct deposits and withdrawals as if you were at your own credit union. At Holy Rosary in Saint Joseph, MO, we strive to be more than just a financial institution; we're a community partner dedicated to supporting our members' financial journeys. Our friendly staff is here to assist you with any questions or concerns just give us a call at 816-221-2734 during our operating hours: Monday through Thursday from 9 AM to 5 PM, Wednesday from 10 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 1 PM. Ready to experience the difference? Visit us today or learn more about our services by exploring our website at Holy Rosary CU. Your financial success starts here!

Digital & Online Banking

Accessibility and Ease of Use

Our digital banking solutions are designed to be user-friendly, making it simple for everyone whether tech-savvy or not to navigate their accounts effortlessly. With real-time account management features, you'll always know where your money is and how it's being used. While mobile payments aren't currently offered, we're continually looking for ways to enhance your banking experience. At Holy Rosary, we strive to provide exceptional service that fits into your lifestyle. So why wait? Experience the convenience of banking from anywhere with Holy Rosary today! Visit us online at https://www.holyrosarycu.org/ to learn more about how our digital services can simplify your financial life.

Key Features of Our Digital Banking Services

With our online banking platform available at https://www.holyrosarycu.org/ , you can manage your accounts with ease. From checking your balance to transferring funds, everything is just a few clicks away. If you're looking to save paper and stay organized, our e-statements are available for all members, allowing you to view your account statements electronically whenever you need them. Security is a top priority at Holy Rosary. We offer electronic signature authorization, so you can sign documents securely without needing to visit a branch. This means less hassle for you while keeping your information safe. If you're always on the move, our mobile application gives you the freedom to bank right from your smartphone. You can make person-to-person transfers quickly and easily, ensuring that sending money to friends or family is never a challenge. Plus, with 24/7 online banking services, you can check in on your finances any time of day or night.

Financial Strength

Commitment to Growth

With $2,740,360 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 $906 in used auto loans and $33,421,558 in total loans and leases. Our operational efficiency is reflected in our $193,104, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 23 full-time employees and 2 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Member Trust

Total Share Accounts: 13,364, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $0. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Holy Rosary is your trusted partner. Visit us at 1002 N 4Th St Saint Joseph Mo 64501 or call (816) 221-2734 to learn more about how we can help you achieve your financial goals.

Secure Savings Options

Members' savings are secured through $1,950,556 in share certificates and $1,167,431 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $1,500,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Strong Financial Health

With a net worth of $5,009,204, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,159 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

Additional Services

At Holy Rosary, we also have options for personal loans and debt consolidation. If you're looking to refinance existing debt or need assistance understanding eligibility options for any of our loan products, our knowledgeable staff is available at 1002 N 4Th St Saint Joseph Mo 64501, or you can reach us by phone at 816-221-2734. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Let us help you navigate your financial journey with confidence!

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $11,255,401 in used vehicle loans and $2,100,749 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, our dedicated team is here to guide you through the process.

Business Financing

For business owners, our outstanding commercial loans totaling $2,128,565 provide the capital needed to grow and expand. We understand the unique challenges that come with running a business and are committed to supporting local entrepreneurs.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $8,025,137, make buying or refinancing simple. We provide personalized service to ensure that you find the right mortgage product that fits your budget and lifestyle.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $416,440 in loans helping members manage their finances effectively. These cards can be an excellent way to cover everyday expenses while earning rewards.

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HOLY ROSARY CREDIT UNION