I-c Worcester MA Credit Union | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to I-c, your trusted financial partner located at 947 W Boylston St, Worcester, MA 01606. Since our establishment in 1934, we have proudly served over 36,000 members with a commitment to community and member satisfaction. As a cooperative credit union, we focus on providing personal banking solutions that cater to your unique needs. At I-c, we understand that finances can be overwhelming, but we're here to help you navigate your financial journey. With total assets of $604,331,730 and total deposits reaching $70,218,176, our strong financial standing allows us to offer a variety of services designed for both individuals and businesses. Our dedicated team of 118 employees, led by CEO Christopher Hendry and Board President Norman Gariepy, is committed to ensuring you receive the best possible service. We offer a wide range of products including checking and savings accounts, auto loans, mortgage loans, personal loans, credit cards with rewards, and business banking services. Whether you're looking to finance your dream car or consolidate debt, we've got you covered. Additionally, our online and mobile banking features make managing your finances easier than ever. While you can visit us at our branch in Worcester for all your banking needs, please note that any official correspondence should be directed to our mailing address: 947 W Boylston St, Worcester, MA 01606-1275. Join us in creating a brighter financial future together! If you have any questions or need assistance, don't hesitate to call us at 978-343-3725. We look forward to serving you!

Branch History & Mission

At I-c, located in the heart of Worcester, Massachusetts, our story began in 1934. Over the decades, we have grown from a small financial cooperative into a trusted partner for over 36,000 members. With total assets reaching an impressive $604,331,730, we are proud to offer a range of services that cater to the diverse needs of our community. Our branch can be found at 947 W Boylston St, Worcester, MA 01606. This central location makes it easy for members to visit us and access our offerings. We have designed our space with accessibility in mind; our drive-thru service and ATM availability provide convenience for all our members. For official correspondence, please send your letters to the same address. From the beginning, I-c has been driven by a strong mission: to empower our members with financial tools and resources while also giving back to the community. Our commitment is not just about providing banking services; it's about building relationships and supporting local initiatives that make Worcester a better place for everyone. As we evolved through the years, we embraced new technologies to enhance member experience. Today, we offer online banking and mobile payment options that allow members to manage their finances anytime and anywhere. Whether you need personal banking solutions like checking and savings accounts or vehicle financing options, we are here to help. Moreover, we take pride in our outreach efforts within the community. We actively partner with local organizations and participate in events that uplift those around us. At I-c, every member is part of a larger family your success is our success. We invite you to join us at I-c and experience the benefits of being a member of our credit union. With dedicated staff ready to assist you during our operating hours Monday through Wednesday from 8:30 AM to 4:30 PM, Thursday and Friday from 8 AM to 5 PM, and Saturday from 9 AM to 12 PM you'll find that banking can be both personal and rewarding. Come discover how I-c can help you achieve your financial goals while making a positive impact in Worcester! For more information or assistance, feel free to call us at 978-343-3725 or visit our website. Join us today!

Branch Location & Accessibility

Convenient Access and Features

At I-c, we prioritize your convenience. Parking is available near the entrance, and we ensure that our facilities are ADA compliant for all members. Our drive-thru service allows you to handle simple transactions without having to leave your car, perfect for those busy days when you're on the go. Our operating hours cater to your schedule: we're open Monday through Wednesday from 8:30 AM to 4:30 PM, Thursday and Friday until 5 PM, and even Saturday mornings from 9 AM to 12 PM. So whether you need to deposit a check or ask about a loan, we've got you covered at times that work for you!

Get in Touch!

Have questions or need assistance? Feel free to give us a call at 978-343-3725. We invite you to stop by our branch today! Experience firsthand how I-c can support your financial journey with personalized service tailored just for you. Your community credit union is here let's make your banking experience positive and rewarding!

Services Just for You

When you visit I-c, you'll find a range of services designed to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we are here to help you every step of the way. Plus, with ATM availability on-site, accessing cash is quick and easy. While our physical address is perfect for visits, please note that any official correspondence should be directed to our mailing address at 947 W Boylston St, Worcester, MA 01606-1275.

Member Eligibility

At I-c, we believe that everyone deserves a supportive financial community, and becoming a member is as easy as reaching out! If you live, work, or worship in Worcester County, you are likely eligible to join us. We welcome individuals who are part of certain organizations and those with family members already in our credit union. This inclusiveness means that more people can benefit from our friendly services and personalized attention. You can find all the detailed eligibility criteria on our website at http://www.iccreditunion.org/about-us/membership/. Joining us is straightforward! Simply visit us at our branch located at 947 W Boylston St Worcester Ma 01606 or give us a call at (978) 343-3725 for more information. We're here to help guide you through the account opening process, which you can also start online by visiting https://my.iccreditunion.org/registration. As a member of I-c, you'll enjoy various advantages like lower loan rates, higher savings yields, and access to exceptional customer service tailored just for you. Come join our community today!

Business Banking & Commercial Services

Merchant Services that Make a Difference

In addition to loans, our merchant services simplify transactions so you can focus on what you do best running your business. Picture this: your customers can easily pay with their preferred methods while you efficiently manage sales and inventory. That's how we help make your operations smoother. Visit us at 947 W Boylston St Worcester Ma 01606 in Worcester, MA or give us a call at (978) 343-3725 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

Accessibility Made Easy

We also prioritize accessibility with our basic drive-thru banking options for deposits, withdrawals, and simple transactions. This means you can handle your banking needs quickly without ever leaving your car! At I-c, we believe that everyone deserves access to quality financial services that make life easier. If you're ready to explore what we offer further or have questions about how we can assist you in achieving your financial goals, don't hesitate to reach out! Call us at (978) 343-3725 or visit our website at http://www.iccreditunion.org. Join us today and experience the difference of personalized service!

Business Banking Services

For local businesses, we understand that having reliable banking support is crucial. That's why we offer comprehensive business banking services, including merchant services and business loans tailored to help your venture thrive.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why at Worcester, we provide robust online and mobile banking features. You can manage your accounts from anywhere with ease check balances, transfer funds, and pay bills right from your smartphone or computer. Our ATM services allow for quick cash withdrawals and balance checks anytime you need them.

Flexible Financing Options

Sometimes life throws unexpected expenses your way. Our personal loans and debt consolidation services can give you the breathing room you need during tough times. Plus, our credit cards with rewards not only simplify purchases but also earn you points for future rewards, making everyday spending rewarding.

Personal Banking Solutions

Our personal banking options are designed with you in mind. We offer checking and savings accounts that help you manage your day-to-day finances effectively. If you're considering purchasing a vehicle, our auto loans and vehicle financing solutions provide competitive rates to get you on the road without breaking the bank. For those planning to buy a home, our mortgage loans and refinancing options can help make that dream a reality.

Digital & Online Banking

At I-c, we understand that managing your finances should be as easy and secure as possible. That's why we offer a comprehensive suite of digital and online banking services designed with your convenience in mind. Whether you're at home or on the go, our online tools allow you to take control of your finances anytime, anywhere. Our online banking platform is available 24/7, giving you the freedom to check balances, pay bills, and transfer funds at your convenience. You can also enjoy the benefits of electronic signature authorization, making it easier than ever to complete transactions without the hassle of paperwork. If you prefer going paperless, we provide e-statements so you can access your account information quickly while helping the environment. For those who are always on the move, our mobile application offers robust features that include mobile payments. You can make purchases directly from your phone without reaching for your wallet. Additionally, person-to-person transfers make it simple to send money to friends or family with just a few taps on your screen. We prioritize security in all our digital services. With advanced encryption and authentication protocols, you can rest assured that your financial information is safe. Our user-friendly interface makes navigation simple, ensuring that even those new to online banking can feel confident using our services. Experience the ease of managing your finances from anywhere with I-c's digital banking options. Explore more about our offerings today by visiting our website.

Financial Strength

A Growing Membership Base

Total Share Accounts stand at 106,477, demonstrating 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 947 W Boylston St Worcester Ma 01606 or call (978) 343-3725 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our operational efficiency is evident as shown by our $-$286,880, which enables 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 dedicated to serving you with a knowledgeable team ready to assist with all your banking needs.

Reinvesting for Your Benefit

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 lending capacity supports your financial goals across various sectors with $8,307 in used auto loans and a total of $439,333,200 in loans and leases.

Secure Savings Options

Your savings are secure with us! We have $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.

Strong 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 commitment to sound fiscal management is reflected in our net worth ratio of 9.53%, which demonstrates a solid capital foundation. This ensures that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

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're here to make your car-buying experience smooth and affordable. Whether you're interested in a new model or a reliable pre-owned vehicle, our competitive terms can provide you with the financing you need.

Business Financing

For business owners, our outstanding commercial loans totaling $29,041,948 provide the capital needed to grow and expand your operations. We recognize that running a business comes with its own set of challenges, and we're committed to supporting local entrepreneurs with tailored financial solutions. At I-c, we also offer refinancing options across various products to help you take advantage of better rates or adjust your payments as needed. You can easily check eligibility and explore all our offerings by visiting us at 947 W Boylston St Worcester Ma 01606, calling us at (978) 343-3725, or exploring our website at https://www.iccreditunion.org/personal/. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. We're here to help you make informed decisions about your finances come see how we can assist you today!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple and straightforward. We offer Junior Lien 1-4 Family Residential Properties loans totaling $47,747,441, which are perfect for first-time buyers or those looking to refinance their existing mortgage. Our dedicated team is ready to guide you through every step of the process, ensuring you find the best fit for your financial situation.

Unsecured Credit Card Loans

Managing daily expenses can be challenging, but our unsecured credit card loans provide flexible terms to help you navigate your finances effectively. With a total of $2,291,961 in loans available, members can utilize this option for unexpected costs or everyday purchases without the stress of high-interest rates.

Loan Aggregator

How LendMesh Ensures 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 means that all offers presented are fair and transparent, ensuring you receive accurate information when comparing loans. - Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. - 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.

User Trust and Testimonials

Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This reflects the commitment to helping customers find the best possible deals with reliable data. By choosing LendMesh, you empower yourself with the tools to compare real-time loan offers effectively. 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 C FEDERAL CREDIT UNION - Worcester, MA

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