IH Credit Union Urbana OH | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Ih Credit Union, Inc., your trusted financial partner in Urbana, Ohio! Located at 731 Scioto St, we have been proudly serving our community since 1934. With a strong commitment to our members, we currently support a vibrant membership of 21,998 individuals, providing them with the tools and resources they need to achieve their financial goals. Our credit union boasts total assets of $343,226,910, which reflects our dedication to stability and growth for our members. We understand the importance of making sound financial decisions, which is why we offer a variety of services including personal banking, auto loans, mortgages, and business banking solutions. As a member-focused institution, we have facilitated over 10,329 loans and leases to help our community thrive. While you can always visit us at our branch address, official correspondence should be sent to the same location at 731 Scioto St, Urbana, OH 43078. Our friendly team is here to assist you Monday through Friday from 9 AM to 5 PM, ensuring that you receive personalized service every time you reach out. Under the leadership of our CEO Robb White and Board President Jeff Harshaw, Ih Credit Union is dedicated to building lasting relationships with our members. With a robust net worth of $58,188,705 and cash in hand amounting to $4,852,824, we are well-equipped to meet your financial needs today and into the future. Join us as we continue to make a positive impact in Urbana and beyond! For more information or assistance, feel free to give us a call at 937-390-1800 or visit our website at ihcreditunion.com. We look forward to serving you!

Branch History & Mission

Commitment to Innovation

We recognize the importance of keeping pace with technological advancements. That's why we offer online and mobile banking services, ensuring that you can manage your finances anytime, anywhere. We are also proud of our commitment to accessibility and compliance with ADA standards so that all members can benefit from our services.

Join Us

As Ih Credit Union continues to grow and serve the community of Urbana, we invite you to join us on this journey. Experience firsthand how we prioritize your needs while supporting local initiatives and building a brighter future together. For more information or to become a member, call us at 937-390-1800 or visit our website at ihcreditunion.com. Join us today and discover the difference!

Our Evolution

Located at 731 Scioto St, our branch is not just a place for banking; it's a cornerstone of the Urbana community. As we evolved through the decades, we embraced changes in technology and member needs while maintaining our commitment to personal service. Today, we proudly manage total assets of over $343 million, ensuring that our members have access to a wide range of financial products tailored to their lifestyles. While members can visit us at 731 Scioto St, official correspondence should be sent to the same address as there is no separate mailing address.

Our Mission

At Ih Credit Union, our mission goes beyond just providing financial services. We aim to empower individuals and families by offering reliable banking solutions such as checking and savings accounts, auto loans, mortgage refinancing, and business banking options. We believe in giving back to our community through partnerships and outreach programs that strengthen local initiatives. Our operating hours are convenient for busy schedules: Monday through Friday from 9 AM to 5 PM. Members can take advantage of our ATM services available on-site and enjoy shared service center access for basic transactions with partner credit unions.

Branch Location & Accessibility

Getting Here

Finding us is a breeze! We offer ample parking right outside our doors, ensuring that you can get in and out without any hassle. Our branch is designed with accessibility in mind, featuring ADA-compliant ramps and entrances to accommodate all visitors comfortably. While members can visit us at our main address, official correspondence should be sent to the same location: 731 Scioto St, Urbana, OH 43078.

Hours of Operation

We're here for you during our lobby hours from Monday to Friday, 9 AM to 5 PM. Whether you need assistance with personal banking or are exploring loan options, our dedicated team is ready to help you during these hours.

Reach Out Anytime!

If you have questions or want more information about our services, don't hesitate to give us a call at 937-390-1800. We're eager to help you achieve your financial goals! Come visit us today at Ih Credit Union, Inc., where your financial wellness is our priority.

Services We Offer

At Ih Credit Union, we offer a variety of services tailored to meet your financial needs. From checking and savings accounts to auto loans and mortgage refinancing, we have you covered. Plus, if you're a member of a partner credit union, feel free to take advantage of basic shared branch transactions right here! For those on the go, we provide ATM services for quick cash withdrawals and balance checks. While we currently don't have drive-thru banking available, our friendly staff is always ready to assist you inside.

Member Eligibility

At Ih Credit Union, Inc., we believe that becoming a member is like joining a close-knit family where your financial well-being is our priority. If you live, work, worship, or attend school in the area surrounding our branch at 731 Scioto St Urbana Oh 43078, you're likely eligible to join us! We welcome individuals from various backgrounds and walks of life because we know that everyone deserves access to friendly and supportive financial services. For those curious about specific eligibility details, you can find comprehensive information on our website at . Joining is simple, and the benefits are plenty! As a member of Ih Credit Union, Inc., you gain access to personalized banking solutions designed to fit your needs, including competitive loan rates and exceptional customer service. If you're ready to open an account or have any questions, don't hesitate to reach out at (937) 390-1800. We're here to help make your transition into membership as smooth as possible!

Business Banking & Commercial Services

Merchant Services That Empower

In addition to loans, our merchant services provide practical solutions that simplify payment processes for your customers. Imagine being able to accept payments easily, whether in-store or online, allowing you to focus on what you do best growing your business. Our services are designed to enhance your customer experience while streamlining your operations. Located at 731 Scioto St Urbana Oh 43078 in Urbana, OH, we are dedicated to serving local businesses like yours. Contact us today at (937) 390-1800 to explore how we can help you thrive!

Tailored Loan Solutions

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $50 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $152 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $26,765,653, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

ATM & Cash Withdrawal Services

With our reliable ATM & Cash Withdrawal Services, accessing cash is quick and easy. You can find ATMs near you for hassle-free withdrawals and balance checks, ensuring that you have access to your funds when you need them most.

Auto Loans & Vehicle Financing

Thinking about purchasing a new car? Our Auto Loans & Vehicle Financing services are here to help you hit the road with confidence. We understand that buying a vehicle is a big decision, so we offer flexible financing options that cater to your budget. With competitive rates and terms, we make it simple to get behind the wheel without breaking the bank.

Business Banking Services

For our entrepreneurial members, Business Banking services including merchant services and business loans are available. Whether you're starting a new venture or expanding an existing one, we're here to support your business journey with tailored financial solutions that help ensure success.

Credit Cards with Rewards

Our Credit Cards with Rewards allow you to earn points on everyday purchases, giving you extra value for spending wisely. Enjoy perks like cash back, travel rewards, and more all while building your credit score effectively.

Mortgage Loans & Refinancing

Homeownership is within reach with our comprehensive Mortgage Loans & Refinancing services. Whether you're buying your first home or looking to refinance an existing mortgage for better rates, our experienced team will guide you through every step of the process. We aim to find the best solution for your unique situation, helping you secure the home of your dreams.

Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why we offer robust Online & Mobile Banking features that let you manage your accounts anytime, anywhere. From transferring funds and paying bills to checking balances and accessing statements, everything you need is just a few clicks away.

Personal Banking Services

Managing your money shouldn't be stressful. That's why we offer Personal Banking options like checking and savings accounts tailored to fit your lifestyle. Whether you're saving for a vacation or just need a safe place for your daily spending, we've got you covered. Our members enjoy competitive interest rates and low fees, making it easier to grow your savings over time.

Personal Loans & Debt Consolidation

If you're facing unexpected expenses or looking to simplify your finances, our Personal Loans & Debt Consolidation options can provide relief. We'll work with you to create a plan that fits your needs, whether it's covering medical bills or consolidating credit card debt into one manageable payment.

Shared Branch Transactions

As part of our commitment to convenience, we also offer Basic Shared Branch Transactions for members of partner credit unions. This means even if you're away from home, you can still deposit or withdraw funds easily at participating locations. --- At Ih Credit Union, Inc., we believe in making banking personal and straightforward. If you're interested in learning more about any of these services or have questions about how we can assist you further, don't hesitate to reach out! Call us at (937) 390-1800, visit us at our branch location in Urbana, OH, or check out our website at https://www.ihcreditunion.com/ today! We're here for all your financial needs!

Digital & Online Banking

Convenient Online Services

With our online banking platform, accessible at https://www.ihcreditunion.com/ , you can check your account balances, transfer funds, and pay bills all from the comfort of your home or on the go. Our 24/7 online banking services ensure that you have access to your accounts whenever you need it.

Mobile Banking Made Easy

For those who prefer to bank on their smartphones, our mobile application makes it easy to manage your accounts right from your device. You can even make mobile payments for a quick and convenient checkout experience. And if you need to send money to friends or family, our person-to-person transfer feature allows for instant transfers with just a few taps.

Stay Connected

At Ih Credit Union, Inc., we prioritize accessibility and ease-of-use in all our digital services. Whether you're checking balances or making payments, you'll find that managing your finances is straightforward and efficient. Join us today and experience the convenience of digital banking tailored just for you!

User-Friendly Features

We know how important security is when it comes to banking online. That's why we provide electronic signature authorization, allowing you to complete transactions securely without the hassle of paperwork. Plus, with e-statements available, you can easily track your finances while helping the environment by going paperless.

Financial Strength

Growing Member Base

Total Share Accounts stand at 29,888, showing a strong and growing member base that trusts us with their finances. This growth is a testament to the trust placed in us by our community. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Ih Credit Union, Inc. is your trusted partner. Visit us at 731 Scioto St Urbana Oh 43078 or call (937) 390-1800 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

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 54 full-time employees and 2 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvestment for Growth

Our strong financial position is further supported by $55,564,473 in undivided earnings, which allows us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. With $4,131 in used auto loans and $220,915,716 in total loans and leases, our lending capacity supports members' financial goals across various sectors.

Savings Security

Members' savings are secured through $64,770,528 in share certificates and $55,630,334 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.

Solid Financial Foundation

With a net worth of $58,188,705, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,691 demonstrates a solid capital foundation, ensuring 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 $59,888,908 in used vehicle loans and $11,752,408 in new vehicle loans already helping members get on the road. We also have refinancing options available if you're looking to lower your monthly payments or adjust your loan terms.

Business Financing

For business owners, our outstanding commercial loans totaling $26,765,653 provide the capital needed to grow and expand. Whether you're starting a new venture or need funds for operational costs, we are here to support your business ambitions. At Ih Credit Union, Inc., we're committed to providing exceptional service and tailored solutions for all our members. If you're interested in learning more about our loan offerings or want to explore eligibility options, don't hesitate to reach out! You can contact us at (937) 390-1800 or visit us at our location: 731 Scioto St Urbana Oh 43078, Urbana, OH. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $6,872,532, make buying or refinancing simple. We offer competitive rates and flexible terms to help you secure the financing you need for your dream home.

Unsecured Credit Card Loans

Managing finances can be challenging at times, but our flexible terms on unsecured credit card loans, with a total of $2,713,999 in loans, can help you stay on track. These cards provide an easy way to handle unexpected expenses without putting a strain on your budget.

Loan Aggregator

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IH CREDIT UNION, INC. CREDIT UNION - Urbana, OH