I.B.E.W. Local #146 Decatur IL Credit Union | Low Mortgage Rates & Quick Personal Loans

Introduction

Welcome to I.b.e.w. Local #146, your trusted financial partner in Decatur, Illinois. Since our establishment in 1958, we've dedicated ourselves to serving our community with integrity and commitment. Located at 3390 N Woodford St, Decatur, IL 62526, we invite you to experience the personalized service that only a member-focused credit union can provide. With a proud membership of 636 individuals, our financial strength is demonstrated by our total assets of $5,103,410 and total deposits amounting to $552,918. We also understand the importance of loans in achieving your goals; that's why we currently manage 211 loans and leases to help members realize their dreams be it purchasing a vehicle or consolidating debt. At I.b.e.w. Local #146, we are more than just numbers; we're about people. Under the leadership of our CEO, Kristina Rosenbery, and Board President, Curtis Young, our team of 2 employees is here to ensure that you receive the attention you deserve. Whether you're looking for personal banking services like checking accounts or auto loans, or business banking solutions such as merchant services, we've got you covered. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to the same address. We are open from Monday through Friday from 11 AM to 4:30 PM, making it easy for you to drop by when it's convenient. Explore more about what we have to offer on our website here. If you have questions or need assistance, feel free to reach out at (217) 877-6521. Join us today and discover how I.b.e.w. Local #146 can make a difference in your financial journey!

Branch History & Mission

Commitment to Innovation

In today's fast-paced world, we understand that convenience matters. That's why we've embraced online banking services and person-to-person payment options while ensuring compliance with ADA standards so that all members can access our services easily. Though we currently do not offer ATM or drive-thru services at this location, we remain focused on enhancing your banking experience through digital advancements.

Join Us

As we look forward to the future, I.b.e.w. Local #146 invites you to become part of our growing family. Experience firsthand how we blend traditional values with modern solutions tailored just for you. Discover the benefits of membership today by reaching out at 217-877-6521 or visiting us online at www.ibew146cu.com. Together, let's build a brighter financial future for you and your family!

Our Mission

At I.b.e.w. Local #146, our mission goes beyond just providing financial services; we strive to uplift our community. We believe that by empowering our members with the right tools such as personal banking options like checking and savings accounts, auto loans, mortgage refinancing, and credit cards with rewards we can contribute positively to their financial journeys. We also recognize the importance of community outreach. Our partnerships and initiatives aim to support local events and organizations that make Decatur a better place for everyone. We are committed not only to helping you manage your finances but also to fostering a sense of belonging within our community.

Our Story

From humble beginnings, I.b.e.w. Local #146 was established to provide accessible financial services to its members. Over the years, we have proudly grown our membership to 636 individuals, each benefiting from our commitment to personalized service and community involvement. Today, with total assets exceeding $5,103,410, we continue to uphold our founding principles while adapting to modern financial needs. Located at 3390 N Woodford St, Decatur, IL 62526, our branch is easily accessible for local residents. Our doors are open Monday through Friday from 11:00 AM to 4:30 PM, offering a welcoming environment where everyone feels valued. While members can visit us at this address for all their banking needs, official correspondence should be sent to the same location.

Branch Location & Accessibility

Convenient Access

At I.b.e.w. Local #146, we prioritize convenience and accessibility for our members. Our branch features ample parking, so you can easily find a spot when you arrive. We are committed to providing an inclusive environment and ensure that our facility meets ADA compliance standards with accessible ramps and pathways.

Operating Hours

Our lobby hours are designed to fit into your busy schedule. We're open Monday through Friday from 11 AM to 4:30 PM, making it easy to stop by after work or during lunch breaks. If you have questions or need assistance outside these hours, feel free to call us at 217-877-6521 we're always here to help!

Services Offered

At I.b.e.w. Local #146, we offer a variety of services tailored to meet your financial needs, including personal banking options like checking and savings accounts, auto loans, mortgage loans, personal loans, and credit cards with rewards. While we do not currently have ATM or drive-thru services available, our friendly team is ready to assist you in-person during operating hours.

Visit Us Today!

While members can visit us at 3390 N Woodford St for all their banking needs, official correspondence should be sent to the same address. We invite you to come by and experience our welcoming environment firsthand! Whether you're looking for financial advice or want to learn more about our services, we're here for you. Don't hesitate stop by today or give us a call!

Member Eligibility

Joining the I.b.e.w. Local #146 family opens the door to a community that truly cares about its members. At our branch located at 3390 N Woodford St, Decatur, IL 62526, we welcome anyone who is part of the IBEW Local #146 and their families, making it easy for you to access a range of financial services designed with your needs in mind. Becoming a member means not just banking; it means being part of a supportive network that prioritizes your financial well-being. We encourage you to check out the eligibility details on our website for any specific requirements you might need to know: Eligibility Information. Opening an account is straightforward and welcoming just reach out to us at 217-877-6521 during our operating hours, which are Monday through Friday from 11 AM to 4:30 PM. We're here to assist you every step of the way! Whether you're looking for checking and savings accounts, auto loans, or credit cards with rewards, becoming a member at I.b.e.w. Local #146 is a decision that will empower your financial journey. Don't hesitate to connect with us for more information or visit our branch; we can't wait to welcome you!

Business Banking & Commercial Services

Merchant Services That Make Sense

Imagine processing payments effortlessly while keeping more of your hard-earned money. Our merchant services simplify transactions, allowing you to focus on what truly matters: running your business. With tailored options that cater to various industries, we ensure you have the support necessary to thrive in today's competitive market. Located at 3390 N Woodford St Decatur Il 62526 in Decatur, IL, we invite you to explore how our business banking solutions can empower your journey. Connect with us at (217) 877-6521 for personalized assistance and discover the difference at I.b.e.w. Local #146!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. While we currently have no member commercial loans funded, we are dedicated to offering flexible solutions as your needs evolve. Our focus is on providing the right financial tools to help you scale effectively.

Comprehensive List Of Services

Business Banking Solutions

For small business owners, I.b.e.w. Local #146 offers specialized banking services that cater specifically to your needs. Our merchant services enable smooth transactions for your customers, while our business loans provide the necessary funding to grow and expand your operations.

Digital Banking Convenience

In today's fast-paced world, managing your finances should be simple and accessible. That's why we have invested in robust online and mobile banking platforms that allow you to check balances, transfer funds, and pay bills from anywhere whether you're at home or on the go. You can also benefit from our convenient ATM and cash withdrawal services, ensuring that you have access to your funds whenever you need them.

Join Us Today!

At I.b.e.w. Local #146, we strive to make banking easy and beneficial for all our members. With a commitment to excellent service and community support, we're here for you every step of the way. If you're ready to take charge of your financial future or have any questions about our services, please give us a call at (217) 877-6521 or visit us at our branch. We look forward to welcoming you into our community!

Personal Banking Services

Our personal banking offerings include both checking and savings accounts designed to help you manage your everyday finances effortlessly. For those planning to purchase a car, our auto loans and vehicle financing options come with competitive rates and flexible terms, making it easier for you to hit the road without breaking the bank. If you're considering homeownership, explore our mortgage loans and refinancing options that can help make your dream home a reality while ensuring that your monthly payments fit comfortably within your budget. In addition, we understand that life can throw unexpected expenses your way. That's why we offer personal loans and debt consolidation solutions aimed at simplifying your financial commitments. Plus, our credit cards with rewards provide an excellent opportunity to earn points or cash back on your everyday purchases.

Digital & Online Banking

Key Features

Our online banking platform provides you with real-time account management, allowing you to check balances, transfer funds, and pay bills with just a few clicks. Need to send money to a friend? Our person-to-person transfer feature makes it easy to share funds instantly, so you can focus on what matters most without the hassle of traditional banking methods.

On-the-Go Banking

While we don't have a mobile application or mobile payment features at this time, our robust online banking system is accessible from any device with internet access. This means you can manage your accounts on the go, whether you're using a laptop or smartphone. Experience the ease and convenience of digital banking at I.b.e.w. Local #146 today! Visit us at https://www.ibew146cu.com/ to learn more about how we can help simplify your financial life.

Security and User-Friendliness

We prioritize your security while ensuring that our services are user-friendly. While we don't currently support electronic signature authorization, our platform is designed with multiple layers of protection to keep your information safe. You can rest easy knowing that your transactions are secure.

Stay Informed

Opt for e-statements to reduce paper clutter and stay organized. With e-statements available, you'll receive your account statements electronically, making it easier than ever to track your financial activities without the need for physical documents.

Financial Strength

At I.b.e.w. Local #146, 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 that our financial health is strong and robust, ensuring you can trust us with your financial needs. With a net worth of $547,984, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 1074 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 $38,465 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. With $498,390 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 $2,012,971 in total loans and leases and $77 in used auto loans. Our operational efficiency is reflected in our $49,594 net income, which enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 1 full-time employee and 1 part-time employee, ensuring our branches are always ready to serve you with a knowledgeable and committed team. Total Share Accounts: 671, 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, I.b.e.w. Local #146 is your trusted partner. Visit us at 3390 N Woodford St Decatur IL 62526 or call 217-877-6521 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, with over $1,062,474 in used vehicle loans and $283,321 in new vehicle loans already helping members get on the road. Whether it's a reliable used car or the latest model, we make financing easy and accessible.

Credit Lines and Personal Loans

Managing day-to-day expenses can sometimes be challenging. That's why we provide flexible credit lines with a total amount of $906,892. This can help you cover unexpected costs or consolidate debt effectively.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. While we currently do not offer Junior Lien 1-4 Family Residential Properties loans, we're continuously evaluating ways to better serve our community's housing needs.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $156,120 in loans helping members manage their finances effectively. Our credit cards come with rewards and benefits that enhance your purchasing power. If you're considering refinancing any existing loans or need help understanding your eligibility options, feel free to reach out! Our friendly team at I.b.e.w. Local #146, located at 3390 N Woodford St Decatur Il 62526, Decatur, IL 62526, is ready to assist you. You can contact us directly at (217) 877-6521 during our operating hours: Monday through Wednesday & Friday from 11 AM to 4:30 PM. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. With our dedicated support and comprehensive loan products, we aim to make your financial journey as smooth as possible.

Loan Aggregator

Accurate 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 fair and transparent offers for users looking for loans. By working exclusively with verified financial institutions, LendMesh guarantees that every loan comparison is based on trustworthy information.

Key Benefits

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. Users can trust that they are viewing accurate rates. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. This means users can feel confident that the comparisons reflect true market conditions. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions. Whether looking for a mortgage, auto loan, or personal loan, borrowers can see current offers at a glance. Thousands of users trust LendMesh for their loan comparisons. One satisfied member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This testimonial highlights how effective the tool is in helping individuals secure better financial options. 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.

I.B.E.W. LOCAL #146 CREDIT UNION - Decatur, IL

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