I-c Fitchburg MA Credit Union | Low Mortgage Rates & Quick Auto Loans

Introduction

Welcome to I-c, your trusted financial partner located at 520 Electric Ave, Fitchburg, MA 01420. Since our establishment in 1934, we have been dedicated to serving our community with reliable banking solutions tailored to meet the diverse needs of our 36,037 members. At I-c, we pride ourselves on being more than just a credit union; we're a part of your financial journey. With total assets exceeding $604,331,730 and a robust loan portfolio of 18,943 loans and leases, we are well-equipped to help you achieve your financial goals. Our commitment to you is reflected in our total deposits of $70,218,176 and a strong net worth of $57,545,076, ensuring that your funds are secure with us. Whether you're looking for personal banking options like checking and savings accounts or seeking assistance with auto loans and mortgages, we have the resources and expertise to support you. Plus, with modern conveniences like online and mobile banking available through our website at iccreditunion.org, managing your finances has never been easier. At the helm of our credit union is CEO Christopher Hendry, who leads a team of 118 employees committed to providing exceptional service. Our Board President, Norman Gariepy, shares this vision of excellence as we strive to enhance the financial well-being of every member. While members can visit us at our branch location for all their banking needs, official correspondence should be directed to the same address: 520 Electric Ave, Fitchburg, MA 01420. We invite you to reach out to us at 978-345-0607 or visit us during our operating hours: Monday-Wednesday from 9 AM to 4 PM, Thursday-Friday from 9 AM to 6 PM, and Saturday from 9 AM to 12 PM. Join us today and discover how I-c can make a positive impact on your financial life!

Branch History & Mission

Community Commitment

We believe that true growth comes from giving back. Our partnerships with local organizations enable us to participate actively in community development initiatives. Whether it's sponsoring events or supporting local charities, we strive to make a positive impact every day. In this ever-changing world of finance, we remain focused on keeping our services relevant and beneficial for our members. With online banking options and mobile payments available, managing your finances has never been easier. Join us at I-c as we continue to build a brighter future together! If you're looking for personalized financial solutions delivered with heart and integrity, don't hesitate to reach out or visit us during our operating hours: Mon-Wed 9-4pm; Thu-Fri 9-6pm; Sat 9-12pm. You can also contact us at (978) 345-0607 for any inquiries. Experience the difference of being part of a community-focused credit union come join us today!

Our Journey

I-c began its journey in 1934, founded on the principles of community support and financial empowerment. From our humble beginnings, we have always focused on meeting the needs of our members while fostering strong relationships within the community. As we evolved, we embraced technological advancements to enhance our services, ensuring that banking is accessible and convenient for everyone. Our branch operates with a commitment to providing personalized financial solutions. We offer various services, including checking and savings accounts, auto loans, mortgages, credit cards, and business banking options. Our drive-thru service allows for quick transactions without leaving your vehicle, while our ATM availability ensures you can access your funds whenever you need them.

Our Mission

At I-c, our mission is clear: we aim to empower individuals and families by offering quality financial products that improve their lives. We believe in fostering financial literacy and support within our community. This means not only providing financial services but also engaging in outreach programs that uplift those around us. While members can visit us at 520 Electric Ave Fitchburg Ma 01420, official correspondence should be sent to 520 Electric Ave, Fitchburg, MA 1420 if it differs from the branch address. We prioritize accessibility for all our members and are proud to ensure ADA compliance in all our facilities.

Branch Location & Accessibility

Accessibility and Features

At I-c, we prioritize accessibility. Our branch is fully ADA compliant, ensuring that everyone can navigate through our facilities with ease. You'll find dedicated parking spaces available right outside the entrance, along with ramps for those who require additional support. Plus, our drive-thru service allows you to complete transactions without leaving your vehicle perfect for those busy days when time is of the essence.

Operating Hours

We understand that life can get hectic, which is why our operating hours are designed to fit your schedule. You can drop by from Monday through Wednesday between 9 AM and 4 PM, and on Thursday and Friday from 9 AM to 6 PM. We're also open on Saturdays from 9 AM to 12 PM for those who prefer weekend banking.

Services Offered

I-c offers a variety of services tailored to meet your financial needs. From checking and savings accounts to auto loans and mortgage refinancing, we are here to assist you every step of the way. Our ATM services ensure that cash withdrawals and balance checks are simple and convenient. If you have any questions or would like assistance with our services, feel free to give us a call at 978-345-0607. We invite you to come visit us soon we're excited to help you achieve your financial goals!

Member Eligibility

At I-c, we believe that becoming a member is like joining a warm and welcoming family, where everyone supports one another in achieving their financial goals. To be eligible for membership, you simply need to live, work, worship, or attend school in the areas we serve, or have a family member who is already a member. It's our way of ensuring that our community thrives together. For more specific details about eligibility criteria, feel free to check out this resource. Joining us is easy! You can open an account online by visiting this link, or if you prefer a personal touch, just give us a call at (978) 345-0607. We're here to help you every step of the way as you embark on this exciting journey with I-c at 520 Electric Ave, Fitchburg, MA 01420. Let's build a brighter financial future together!

Business Banking & Commercial Services

Merchant Services That Make Sense

Imagine running your retail store with an efficient payment system that makes transactions smooth for both you and your customers. Our merchant services simplify payment processing, allowing you to focus on what you do best growing your business. From credit card processing to online payments, we ensure that your cash flow remains steady and reliable. Visit us at 520 Electric Ave Fitchburg Ma 01420 in Fitchburg, MA, or call us at (978) 345-0607 to learn more about how we can assist your business today!

Tailored Loan Solutions

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

Banking at Your Fingertips

In today's fast-paced world, convenience is key. That's why we provide top-notch online and mobile banking features. With just a few taps on your smartphone or clicks on your computer, you can manage your accounts from anywhere. Want to withdraw cash? Our ATMs are available for quick access without the hassle. If you're in a hurry but still want personalized service, take advantage of our drive-thru banking options for deposits, withdrawals, and simple transactions all designed to save you time while maintaining quality service.

Business Solutions That Support Growth

For local businesses, I-c offers robust business banking services including merchant services and business loans. We understand the challenges small businesses face, and we're here to help your business thrive with financial products designed specifically for your needs.

Connect with Us Today!

We invite you to explore all these services and more at Electric Ave. If you have questions or need assistance, don't hesitate to reach out by calling us at (978) 345-0607. Our friendly staff is ready to help make your banking experience enjoyable and straightforward. At I-c, we're not just about transactions; we're about building relationships with our members. Join us today and experience the difference!

Personal Banking Made Easy

When it comes to personal banking, we offer a variety of options tailored to fit your lifestyle. From checking and savings accounts that help you manage your day-to-day finances to auto loans and vehicle financing that make it easier for you to get on the road, our services are designed with you in mind. If you're considering buying a home, our mortgage loans and refinancing options can guide you through the process smoothly. Need some extra cash? Our personal loans and debt consolidation services provide flexible solutions to help you achieve your financial goals. Plus, with our credit cards featuring rewards, you can earn benefits while making purchases.

Digital & Online Banking

Key Services

Our online banking service is available 24/7, allowing you to check your balance, pay bills, and transfer funds with just a few clicks. If you're on the go, our mobile application provides all the same features right at your fingertips. You can even set up person-to-person transfers to send money quickly and easily to friends or family. For those who prefer paperless options, we offer e-statements that provide a secure way to view your account statements online. Plus, if you need to sign documents remotely, our electronic signature authorization makes it simple and safe.

Security & Accessibility

We prioritize your security with advanced measures in place to protect your information while you bank online. Our mobile payments feature also allows you to make purchases directly from your smartphone, giving you flexibility without sacrificing safety. Whether you're at home or out and about, managing your finances has never been more accessible. With real-time account management tools and a commitment to user-friendly experiences, I-c is here to support your financial journey every step of the way. Join us today and experience the convenience of modern banking!

Financial Strength

At I-c, 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 committed to maintaining a strong financial foundation to support your banking needs. 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 $953 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 $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. 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. Our robust lending capacity is reflected in the $8,307 in used auto loans and $439,333,200 in total loans and leases, supporting members' financial goals across various sectors. Our $0 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. 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 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 520 Electric Ave Fitchburg Ma 01420 or call (978) 345-0607 to learn more about how we can help you achieve your financial goals. For performance insights and financial data 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 $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 options that cater to different needs, whether you're purchasing a brand-new vehicle or a reliable used one. Plus, our refinancing options can help you lower your monthly payments if you have an existing auto loan.

Credit Lines and Business Loans

For those needing additional flexibility, our total credit lines amounting to $197,589,918 provide access to funds when you need them most. Additionally, business owners will find value in our outstanding commercial loans totaling $29,041,948, which are tailored to provide the capital necessary for growth and expansion. At I-c, we're dedicated to ensuring that every member has access to the tools they need for success. If you're interested in any of these offerings or want to learn more about eligibility options, don't hesitate to reach out! You can contact us at (978) 345-0607 or visit us at 520 Electric Ave Fitchburg Ma 01420 in Fitchburg, MA. 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 journey towards financial empowerment starts here!

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. We offer various mortgage products tailored to meet the unique needs of each member. If you're looking to refinance an existing mortgage for better terms, we can guide you through that process as well.

Unsecured Credit Card Loans

Managing finances effectively is crucial for maintaining peace of mind. We also offer flexible terms on unsecured credit card loans, with a total of $2,291,961 in loans helping members navigate their financial journeys without stress. These cards come with rewards and benefits that can enhance your spending power while keeping you in control.

Loan Aggregator

Accurate Loan Comparisons

LendMesh ensures accurate loan comparisons by sourcing its data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards. This means that the information you receive is based on the latest results, allowing for fair and transparent offers (Source: https://www.ncua.gov). You can trust that the rates presented are reliable and current.

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency in your choices. - 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 without delay. 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 feedback underscores the effectiveness of LendMesh as a valuable tool in your loan search. 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.

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