I-c Ayer MA Credit Union | Affordable Auto Loans & Personal Banking

Introduction

Welcome to I-c, your trusted credit union located at 72 Park St, Ayer, MA 01432. Since our establishment in 1934, we've dedicated ourselves to fostering financial well-being in our community, helping over 36,000 members achieve their dreams and secure their futures. With a robust asset base of $604,331,730 and total deposits reaching $70,218,176, we pride ourselves on being a stable and reliable partner for all your banking needs. At I-c, we understand that financial decisions can be overwhelming. That's why we offer a wide range of services tailored to meet the needs of individuals and businesses alike from checking and savings accounts to auto loans and mortgage financing. Our commitment to our members is reflected not just in our offerings but also in our leadership. Under the guidance of CEO Christopher Hendry and Board President Norman Gariepy, our team of 118 dedicated employees works tirelessly to provide personalized service and support. While members can visit us at our branch address, official correspondence should be sent to 72 Park St, Ayer, MA 01432. Whether you're looking for advice on managing your finances or need assistance with loans our friendly staff is ready to help you every step of the way. Join us today and experience the difference that community-focused banking can make! For more information or to get started with your account, call us at 978-772-5993 or visit our website at iccreditunion.org. Your financial journey begins here!

Branch History & Mission

Community Engagement

We believe in giving back to the community that supports us. Over the years, we've engaged in various outreach efforts aimed at improving the lives of our neighbors. By partnering with local organizations and participating in community events, we aim to make Ayer a better place for everyone. We also embrace technological advancements by offering features such as online banking and mobile payments. This ensures that our members have access to their accounts whenever they need it while maintaining ADA compliance for all users. At I-c, we invite you to become part of our family. Join us today and experience how we can assist you on your financial journey while supporting the vibrant community of Ayer. For more information or if you're ready to open an account, please visit our website or call us at 978-772-5993. Together, let's build a brighter future!

Our Mission

Our mission at I-c is simple: to empower our members through exceptional financial services while fostering community growth. We strive to offer a wide range of products including checking and savings accounts, auto loans, mortgage loans, personal loans, and business banking solutions. Each service is designed not just to meet your needs but also to enhance your financial literacy and security. While members can visit us at 72 Park St, official correspondence should be sent to the same address. We understand that convenience matters; that's why we provide easy access to ATMs and drive-thru banking services. Our operating hours are Monday through Wednesday from 9 AM to 4 PM, Thursday and Friday from 9 AM to 6 PM, and Saturday from 9 AM to 12 PM.

Branch Location & Accessibility

Comprehensive Banking Services

At I-c, we offer a variety of services tailored to meet your personal and business banking needs. From checking and savings accounts to auto loans and credit cards with rewards, our knowledgeable staff is here to guide you every step of the way. Plus, with our ATM available on-site and drive-thru service for quick deposits or withdrawals, banking has never been more convenient. While members can visit us at 72 Park St, official correspondence should be sent to the same address. If you have any questions or need assistance, don't hesitate to call us at 978-772-5993. We look forward to welcoming you into our branch soon!

Easy Access and Parking

We understand how important it is for our members to have convenient access to their financial services. That's why our branch is designed with accessibility in mind, featuring ADA-compliant facilities, including ramps and designated parking spaces. Whether you're visiting us for a quick transaction or need assistance with a more complex banking matter, you'll find our location easily accessible.

Operating Hours

Our doors are open to serve you during the week from Monday to Wednesday from 9 AM to 4 PM, and Thursday to Friday from 9 AM to 6 PM. We also welcome you on Saturdays from 9 AM to 12 PM for drive-thru banking, ensuring you can manage your finances at a time that works best for you.

Member Eligibility

Becoming a member of I-c is like joining a family that genuinely cares about your financial well-being. If you live, work, or worship in the Ayer area, you're already on the right path to membership! We welcome individuals from all walks of life, and our mission is to provide everyone with the resources they need to thrive financially. For more detailed eligibility criteria, feel free to visit our website at http://www.iccreditunion.org/about-us/membership/. The process to become a member is straightforward and welcoming. You can easily open an account online by visiting https://my.iccreditunion.org/registration, or if you prefer a personal touch, give us a call at (978) 772-5993. Our friendly staff at our Ayer branch located at 72 Park St Ayer Ma 01432 are always ready to help you with any questions you might have. Join us today and experience the benefits of being part of the I-c community!

Business Banking & Commercial Services

Real-World Merchant Services

In addition to loans, we offer practical merchant services designed to simplify daily operations. Imagine having a reliable payment processing system that allows your customers to pay easily, whether in-store or online. This means faster transactions and happier customers, which can lead to repeat business. At I-c, we're not just a bank; we're your partner in success. Call us today at (978) 772-5993 to learn how we can help your business reach its full potential!

Supporting Business Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $47 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $4 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $29,041,948, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Access When You Need It

For those who prefer traditional banking methods, we have an ATM on-site for quick cash withdrawals and balance checks. Our drive-thru banking service allows you to complete deposits and simple transactions without leaving your car. You can count on us for accessible banking no matter how you choose to connect.

Business Banking Solutions

If you're a business owner, our business banking services can help streamline your operations. From merchant services that simplify payment processing to business loans that fuel growth, we aim to empower local businesses in Ayer and beyond.

Convenient Digital Banking

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking solutions that let you manage your accounts anytime, anywhere. With features like mobile payments and person-to-person transfers, staying on top of your finances has never been easier.

Join Our Community

At I-c, we are more than just a financial institution; we are a community partner committed to supporting the people of Ayer. We invite you to explore our full range of services at Ayer by visiting us or giving us a call at (978) 772-5993. Ready to take the next step? Open an account today through our website or stop by we're here to help!

Personal Banking Made Easy

Our personal banking services are designed with you in mind. With options for checking and savings accounts, you can easily manage your day-to-day finances while earning interest on your savings. If you're dreaming of owning a new vehicle, check out our auto loans and vehicle financing options, which provide competitive rates and flexible terms to suit your budget. For those considering homeownership or wanting to refinance an existing mortgage, our mortgage loans and refinancing services make the process straightforward and stress-free. We also offer personal loans for debt consolidation or unexpected expenses, ensuring you have support when you need it most. Don't forget about our credit cards with rewards; they offer great benefits for everyday purchases.

Digital & Online Banking

At I-c, we understand that your time is valuable. That's why we offer a range of digital and online banking services designed to make managing your finances as easy and secure as possible. Whether you're at home, at work, or on the go, our online banking platform provides 24/7 access to your accounts, allowing you to take control of your financial life anytime you need. You can easily log in to our online banking system at https://www.iccreditunion.org/personal/ to check your balance, pay bills, and transfer funds all from the comfort of your own device. With features like electronic signature authorization, signing documents has never been simpler or more secure. No more worrying about paperwork; just a few clicks and you're done! We also offer e-statements to help you keep track of your transactions without the clutter of paper statements. Imagine receiving all your important documents electronically it's not only environmentally friendly but also makes it easier for you to stay organized. Our mobile application brings banking right to your fingertips. You can set up mobile payments for quick transactions and person-to-person transfers, making sending money to friends or family a breeze. Plus, with the convenience of our mobile app, you can manage your account on-the-go without any hassle. The security of your information is our top priority. Our systems are designed to keep your data safe while providing a user-friendly experience that anyone can navigate. If you're looking for a banking partner that combines convenience with accessibility, look no further than I-c. Our digital banking services empower you to manage your finances efficiently, ensuring you're always in control of your money. Join us today and experience the ease of banking with I-c!

Financial Strength

Member Savings Security

Members' savings are secured through $127,092,223 in share certificates and $32,504,215 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.

Our Financial Health

With a net worth of $57,545,076, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 9.53% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Our Team Committed to You

We also take pride in having 112 full-time employees and 6 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Total Share and Deposit Accounts stand at 106,477, 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-c is your trusted partner. Visit us at 72 Park St Ayer Ma 01432 or call (978) 772-5993 to learn more about how we can help you achieve your financial goals.

Reinvestment for Growth

With $55,597,636 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. This commitment allows us to grow alongside you.

Support for Your Goals

Our lending capacity supports members' financial goals across various sectors with $8,307 in used auto loans and $439,333,200 in total loans and leases. Additionally, our operational efficiency is reflected in our $-$286,880, enabling 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 $119,650,709 in used vehicle loans and $29,324,340 in new vehicle loans already helping members get on the road. We provide financing for both new and used vehicles to suit your needs. If you're considering refinancing your current auto loan for better terms, we have options available as well.

Business Loans

For business owners, our outstanding commercial loans totaling $29,041,948 provide the capital needed to grow and expand. We understand the unique challenges businesses face and tailor our solutions accordingly. In addition to these offerings, we encourage you to explore eligibility options which can be found here. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. If you want to learn more about our loan products or have any questions, feel free to reach out at (978) 772-5993, or visit us at our branch located at 72 Park St Ayer Ma 01432 in Ayer, MA. We are here to assist you in achieving your financial aspirations!

Credit Lines

For those who prefer a revolving line of credit, our total credit lines stand at $197,589,918. These lines are designed to give you flexibility and peace of mind when unexpected expenses arise.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $47,747,441, make buying or refinancing simple. Whether you're looking to purchase a new home or refinance an existing mortgage, our team is here to help guide you through the process.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $2,291,961 in loans helping members manage their finances effectively. This can be an excellent choice if you need quick access to funds without collateral requirements.

Loan Aggregator

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I C FEDERAL CREDIT UNION - Ayer, MA

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