Howard County School Em Credit Union Kokomo IN | Affordable Vehicle Loans & Quick Personal Loans

Introduction

Welcome to Howard County School Em, your trusted partner in financial success located at 105 W Southway Blvd, Kokomo, IN 46902. Established in 1964, our credit union has proudly served a growing community of 2,657 members, providing personalized banking solutions tailored to meet your unique needs. At Howard County School Em, we believe in the power of community and are committed to helping our members thrive financially. With total assets amounting to an impressive $33,375,454 and total deposits reaching $1,767,528, we are well-equipped to support you through every step of your financial journey. Our dedicated team is led by CEO Kristy Parrish and Board President Kendra Metcalf, who strive to create a welcoming environment where every member feels valued. While members can visit us at our physical branch for personal banking services including checking and savings accounts, auto loans, mortgage refinancing, and more official correspondence should be sent to the same address: 105 W Southway Blvd, Kokomo, IN 46902. We understand that financial decisions can be daunting, which is why we prioritize transparency and trust. With total loans exceeding 845, our team works diligently to offer competitive rates and flexible terms that make borrowing accessible for everyone. Additionally, our strong net worth of $5,029,108 reflects our commitment to maintaining a secure and stable institution for our members. Whether you're looking to open a new account or explore loan options, we invite you to reach out. Call us at 765-453-6688 during regular hours from 10 AM to 5 PM on weekdays or visit our website at hcsefcu.org for more information. At Howard County School Em, we're not just about banking; we're about building lasting relationships with our members and enhancing the community we serve. Let us help you achieve your financial goals today!

Branch History & Mission

Community Commitment

Our commitment goes beyond financial transactions; it extends into community outreach and partnerships. We actively engage with local schools and organizations to promote financial literacy and support initiatives that benefit all residents of Howard County. As part of our efforts to enhance accessibility, we ensure ADA compliance at our branch while offering mobile applications for convenient banking on the go. While members can visit us at 105 W Southway Blvd for all their banking needs during regular hours from 10 AM to 5 PM (and summer hours from 9 AM to 4 PM), official correspondence should be sent to the same address for consistency. As we continue our journey forward, we invite you to become part of the Howard County School Em family. Experience firsthand how we can help you achieve your financial aspirations while making a positive impact in our community. Join us today your future starts here! For more information or inquiries, feel free to reach us at (765) 453-6688 or visit our website at hcsefcu.org. Together, let's build a brighter financial future!

Our Mission

At Howard County School Em, our mission is simple yet profound: we strive to provide accessible financial solutions while fostering community growth and support. We believe that everyone deserves the opportunity to thrive financially. That's why we offer services such as checking and savings accounts, credit cards with rewards, and online banking options designed with our members' needs in mind. We understand that financial education is key to empowerment. By providing resources and guidance tailored to each member's unique situation, we aim to build lasting relationships based on trust and respect. Whether you are looking for a reliable loan or simply need assistance managing your finances, we are here for you every step of the way.

Branch Location & Accessibility

Welcome to the Howard County School Em branch, your friendly neighborhood credit union located at 105 W Southway Blvd, Kokomo, IN. Nestled in the heart of Howard County, our location is not just convenient; it's also surrounded by familiar landmarks that make it easy to find. Whether you're stopping by after a visit to the local library or heading back from a shopping trip at nearby stores, we are here to serve you. At Howard County School Em, we prioritize accessibility for all our members. Our branch is designed with features that comply with ADA standards, ensuring everyone can easily access our services. You'll find ample parking available right outside the entrance, making your visit hassle-free. We understand that life can be busy, which is why we offer flexible operating hours. Our lobby is open from 9 AM to 4 PM on weekdays, giving you plenty of time to handle your banking needs when it's most convenient for you. Although we currently do not have ATM services or drive-thru banking available at this location, our dedicated team is always ready to assist you inside the branch. While you're here, explore our range of financial services tailored for personal and business needs alike. From checking and savings accounts to auto loans and mortgage refinancing, we have options that fit your lifestyle. If you have any questions or need assistance, feel free to give us a call at 765-453-6688. If you need to send us official correspondence, please use our mailing address: 105 W Southway Blvd, Kokomo, IN 46902. We look forward to welcoming you soon!

Member Eligibility

At Howard County School Em, we believe that becoming a member is about joining a community that cares. If you're looking to be part of something special, we welcome you with open arms. Membership at our branch is available to individuals who live, work, or attend school in Howard County and its surrounding areas. It's as simple as that! Not only will you gain access to a variety of financial products and services designed to meet your needs, but you'll also enjoy the personal touch and support that comes with being part of our credit union family. For more detailed information about eligibility criteria, feel free to visit this link. If you're ready to take the next step, opening an account is straightforward and hassle-free. Just give us a call at (765) 453-6688, or stop by our branch located at 105 W Southway Blvd Kokomo In 46902. We can't wait to welcome you!

Business Banking & Commercial Services

Financing Your 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. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services That Make Sense

In addition to loans, we offer merchant services that simplify payment processing for your business. Imagine being able to accept payments seamlessly, whether online or in-person, helping you serve your customers better and grow your sales. Our tools are designed for ease of use, allowing you to focus on what matters most running your business. Visit us at 105 W Southway Blvd Kokomo In 46902 in Kokomo, IN, or call us at (765) 453-6688 to learn more about how we can assist you on your journey toward success!

Comprehensive List Of Services

Additional Services

While we don't currently offer ATMs or drive-thru service, our commitment to member satisfaction remains strong. You can always reach us at (765) 453-6688 during regular hours from 10 AM to 5 PM or enjoy our summer hours from 9 AM to 4 PM. At Howard County School Em, we aim to provide comprehensive financial solutions that cater to all aspects of your life. Whether you're saving for a big purchase, managing everyday expenses, or running a business, we're here for you. Ready to explore how we can help? Visit us at Main Office or give us a call today!

Business Banking Services

If you run a business, Howard County School Em has tailored solutions just for you. From merchant services that simplify transactions to business loans designed for growth, we're committed to supporting your entrepreneurial journey.

Credit Cards and Rewards

Who doesn't love rewards? Our credit cards not only provide a convenient way to make purchases but also come with exciting rewards programs that allow you to earn points for things you already buy. This means every swipe gets you closer to something special!

Online and Mobile Banking

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking services. You can manage your accounts from anywhere at any time, making it easier than ever to stay on top of your finances. With features like e-statements and person-to-person payments, handling your money has never been more straightforward.

Personal Banking Solutions

For those seeking to manage their day-to-day finances, we offer checking and savings accounts that fit various lifestyles. Imagine having the ability to easily access your funds online or through our mobile app, allowing you to check balances or transfer money on the go. Our auto loans and vehicle financing options make it simple for you to drive away in your dream car with competitive rates and flexible terms. If you're considering purchasing a home or refinancing an existing mortgage, our mortgage loans can help make that dream a reality. We understand that life can be unpredictable, which is why our personal loans and debt consolidation options are tailored to help you navigate financial bumps along the way.

Digital & Online Banking

Easy Access to Your Accounts

With just a few clicks at https://www.hcsefcu.org/ , you can check your account balances, transfer money, and pay bills without needing to visit a branch. Our user-friendly online platform ensures that you have real-time access to your financial information whenever you need it.

Go Mobile with Ease

Our mobile application enhances your banking experience further. With it, you can manage your accounts right from your smartphone. Although mobile payments are not available yet, you can still enjoy the convenience of e-statements, which provide a paperless way to keep track of your finances. At Howard County School Em, we aim to provide accessible and effective digital banking solutions. Whether you're looking to streamline everyday transactions or simply stay updated on your account status, our online banking services are here for you. Join us today and experience the ease of banking at your fingertips!

Secure and Efficient Transactions

We prioritize your security with robust measures in place to protect your data. While we currently do not offer electronic signature authorization, rest assured that our other features keep your transactions safe. You can also take advantage of person-to-person transfers, making it easy to send money to friends or family quickly and securely.

Financial Strength

A Dedicated Team

We also take pride in having 3 full-time employees and 0 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Total Share and Deposit Accounts stand at 3,574, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Howard County School Em is your trusted partner. Visit us at 105 W Southway Blvd Kokomo In 46902 or call (765) 453-6688 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

Members' savings are secured through $5,175,548 in share certificates, 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.

Reinvestment for Growth

With $4,437,541 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. This commitment to growth allows us to support your financial goals effectively.

Solid Financial Health

With a net worth of $5,029,108, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,507 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Supporting Your Financial Goals

Our lending capacity is robust, with $464 in used auto loans and $10,820,688 in total loans and leases supporting members' financial goals across various sectors. Our operational efficiency is reflected in our $0, which enables us to continue offering competitive loan rates and solid financial products for our members.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $6,854,031 in used vehicle loans and $1,666,547 in new vehicle loans already helping members get on the road. We understand how important it is to have reliable transportation, and our financing options are here to make that happen for you.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $1,287,196, make buying or refinancing simple. We believe that having a place to call home is essential for everyone, and we're here to support you every step of the way.

Refinancing Options

If you're considering refinancing existing loans or mortgages, we can guide you through the eligibility options available. Refinancing can often lead to lower monthly payments or better interest rates which can save you money in the long run. For any inquiries or assistance regarding our loan offerings, don't hesitate to reach out at 765-453-6688. Our friendly staff is ready to help you find the right financial solution tailored just for you. 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 Howard County School Em, we pride ourselves on being more than just a lender; we're your partner in achieving financial success. Come visit us today!

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans. Currently, we have a total of $0 in unsecured credit card loans helping members manage their finances effectively. This option can be beneficial if you're looking for a way to handle unexpected expenses without dipping into your savings.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency in the information presented. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results that reflect true market conditions. - Real-Time Rate Comparisons: Users benefit from up-to-date loan rates from multiple institutions, empowering them to make informed decisions without delay. Thousands of users trust LendMesh for their loan comparisons. One member shared, "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This feedback highlights how effective the platform is in helping individuals achieve significant savings through informed choices. 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.*

Ensuring Accurate Comparisons

LendMesh ensures accurate loan comparisons by sourcing data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards. This commitment to upholding industry regulations guarantees that users receive fair and transparent offers based on the latest results (Source: https://www.ncua.gov ). By relying on verified financial institutions, LendMesh provides a trustworthy platform for consumers seeking the best loan terms.

HOWARD COUNTY SCHOOL EM FEDERAL CREDIT UNION - Kokomo, IN