Impact Credit Union Fremont OH | Affordable Auto Loans & Business Banking

Introduction

At Impact Credit Union, Inc., we believe in the power of community and financial empowerment. Located at 1466 Oak Harbor Rd, Fremont, OH 43420, our branch has been serving members since 1994. With a commitment to providing personalized banking solutions, we have grown to support over 14,300 members and manage total assets exceeding $184 million. Our friendly team, led by CEO Scott Hicks and Board President Michael Halbeisen, is dedicated to ensuring that each member's financial journey is as smooth as possible. We offer a wide range of services from personal banking solutions like checking and savings accounts to auto loans, mortgages, and credit cards with rewards. Whether you're looking to finance your next vehicle or simply want to open a new account, we've got you covered. As a member-focused institution, we take pride in our solid financial standing. With total deposits of $13,177,571 and net worth of $16,764,739, our credit union is built on trust and stability. Our branch operates with transparency and integrity, which reflects in our ability to maintain a cash reserve of $2,687,312. While members can visit us at our Fremont location for all their banking needs like utilizing our ATM or drive-thru services official correspondence should be directed to the same address listed above. Join us today to experience how Impact Credit Union can make a difference in your financial life. For inquiries or assistance, feel free to call us at 419-355-9631. We're here for you!

Branch History & Mission

Community Connection

Impact Credit Union has always been more than just a place to bank; it's a cornerstone of the Fremont community. Our partnerships with local organizations reflect our commitment to improving the lives of those around us. From sponsoring local events to providing scholarships for students pursuing higher education, we're dedicated to making a positive impact. While members can visit us at 1466 Oak Harbor Rd for personal assistance during our operating hours Monday through Friday from 8:30 am to 5:00 pm (with extended hours until 6:00 pm on Fridays), and Saturday from 8:30 am to 12:00 pm we also invite you to connect with us via phone at 419-355-9631 for any inquiries or support.

Join Us!

As we continue this journey together, we invite you to become part of the Impact family. Experience firsthand how being a member of Impact Credit Union can benefit you financially while contributing positively to your community. Join us today at Impact Credit Union and discover what it truly means to bank with purpose!

Mission Statement

Our mission is simple yet profound: to empower our members through exceptional financial services while fostering community growth and support. We believe in putting people before profits. This means offering competitive rates on loans and savings accounts while reinvesting in local initiatives that uplift our community. We engage in various outreach programs aimed at education and financial literacy because we know that informed members are empowered members. Whether it's through workshops or one-on-one consultations, we're here to guide you every step of the way.

Our Evolution

From our humble beginnings, we have continuously adapted to meet the changing needs of our community. Over the years, we've expanded our services to include everything from personal banking to business loans. Today, with total assets amounting to an impressive $184,290,518, we remain dedicated to providing accessible and affordable financial products. Our commitment goes beyond numbers; it's about creating lasting relationships with our members. As technology advanced, so did we. Our digital offerings now include online banking and mobile payments, ensuring that our members can manage their finances anytime and anywhere. We are proud to be ADA compliant and strive to create an inclusive environment for all our members.

Branch Location & Accessibility

Drive-Thru Banking

For those who prefer a quick visit without leaving their vehicle, our drive-thru service is ready to assist with deposits, withdrawals, and other simple transactions.

Get in Touch!

If you have any questions or need assistance, don't hesitate to give us a call at 419-355-9631. We look forward to welcoming you soon at Impact Credit Union's Fremont Office where your financial well-being is our priority!

Nearby Landmarks and Accessibility

You can find us just a short drive from the vibrant downtown area, making it easy to stop by during your errands. Our location offers ample parking and features that ensure everyone can visit us comfortably. We take pride in being ADA compliant, with ramps and accessible entrances for those who may need them.

Operating Hours and Services

We understand that life gets busy, which is why we offer flexible hours to fit your schedule. Visit us Monday through Friday from 8:30 AM to 5:00 PM, and on Fridays, our lobby stays open until 6:00 PM for your convenience. We also welcome you on Saturdays from 8:30 AM to 12:00 PM. At Impact Credit Union, we offer a variety of services to meet your personal banking needs from checking and savings accounts to auto loans and credit cards with rewards. Need quick cash? Our ATM is available for withdrawals and balance checks anytime you need it. If you prefer doing things from the comfort of your home, our online and mobile banking options are ready for you too!

Member Eligibility

At Impact Credit Union, Inc., we believe that everyone deserves to be part of a caring community that supports their financial goals. Joining us is easy and welcoming! If you're a resident, employee, or member of a family associated with our credit union, you're likely eligible for membership. We encourage you to check out the detailed eligibility criteria on our website at . Becoming a member opens the door to many benefits like competitive loan rates, personal banking services, and friendly support from our team. The process of opening an account is straightforward just visit our online application page at https://online.impactcu.org/loan-application/form or give us a call at (419) 355-9631. We're here to help you take that step toward achieving your financial dreams right here at our branch located at 1466 Oak Harbor Rd Fremont Oh 43420. Join us today, and let's grow together!

Business Banking & Commercial Services

Merchant Services Made Easy

In addition to loans, we offer merchant services that simplify payment processing for you. Imagine accepting payments effortlessly from your customers whether they prefer credit cards or mobile payments. This not only enhances customer satisfaction but also streamlines your operations, allowing you to focus on what matters most: growing your business. Discover how Impact Credit Union can be a partner in your success. Visit us at 1466 Oak Harbor Rd, Fremont, OH 43420, or call us at 419-355-9631 to learn more about our tailored solutions!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $4 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $95 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $318,240, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Banking Solutions

For small business owners, we offer specialized Business Banking solutions including merchant services and business loans. These tools help streamline operations and manage cash flow effectively, allowing you to focus on what matters most: growing your business.

Convenient Digital Banking Options

In today's fast-paced world, convenience is key. That's why Impact Credit Union, Inc. provides robust Online & Mobile Banking features. You can check balances, transfer funds, and pay bills from anywhere at any time using our user-friendly app. Plus, our ATM & Cash Withdrawal Services are readily available whenever you need cash. Our basic drive-thru banking allows for quick deposits and withdrawals without leaving your car ideal for those busy days when time is of the essence!

Personal Banking Made Easy

We understand that managing money can sometimes feel overwhelming. That's why we offer Personal Banking services that include checking and savings accounts designed for everyday use. Imagine having an account that not only helps you save for future goals but also provides easy access to your funds whenever you need them. If you're considering purchasing a vehicle, our Auto Loans & Vehicle Financing options make the process straightforward. We work with you to find a loan that fits your budget, so you can drive away in your new car without stress. For those looking to buy a home or refinance an existing mortgage, our Mortgage Loans & Refinancing services are here to help. Our team will guide you through every step, ensuring you secure the best rates available.

Reach Out Today!

Whether you're looking for personal banking solutions or business services, Impact Credit Union, Inc. is committed to serving you. Feel free to reach out at (419) 355-9631 during our operating hours: Monday through Friday from 8:30 AM to 5:00 PM (with extended drive-thru hours until 6:00 PM on Fridays) and Saturday from 8:30 AM to 12:00 PM. We invite you to visit us or explore more about our offerings online at Impact Credit Union Fremont Office. Let's embark on this financial journey together!

Support for Your Financial Goals

Life can bring unexpected expenses, and that's where our Personal Loans & Debt Consolidation come into play. Whether you need cash for a major purchase or want to consolidate high-interest debt into one manageable payment, we're here to support your financial journey. And let's not forget about building credit! Our Credit Cards with Rewards provide an excellent way to earn points while making everyday purchases perfect for treating yourself later on.

Digital & Online Banking

Easy Access to Your Accounts

With our 24/7 online banking services available at https://www.impactcu.org/, you can check your account balance, pay bills, and transfer funds anytime you need. It's like having a bank branch right in your pocket! Our user-friendly mobile application makes it simple to navigate through your finances with just a few taps.

Quick Payments Made Simple

Need to send money to a friend? Our person-to-person transfers feature allows you to easily send money using just an email or phone number. And if you're out shopping, take advantage of our mobile payments option for quick and easy transactions without the need for cash or cards. At Impact Credit Union, Inc., we're committed to making banking as accessible and straightforward as possible. Whether you prefer managing your accounts on our website or through our mobile app, we've got you covered every step of the way. Join us today and experience the convenience of modern banking!

Secure Transactions Anytime, Anywhere

Security is our top priority. Enjoy peace of mind knowing that all transactions are protected with robust security measures. Plus, with electronic signature authorization, signing documents online is quick and safe. No more waiting for paper forms or mailing documents everything is handled securely online.

Stay Organized with E-Statements

Say goodbye to paper clutter! With e-statements available, you can access your bank statements digitally whenever you want. This not only keeps your information organized but also helps the environment by reducing paper waste.

Financial Strength

At Impact Credit Union, Inc., financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. With strong financial health and a commitment to our community, we ensure that your funds are safe and accessible when you need them. With a net worth of $16,764,739, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 910 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 $20,829,091 in share certificates and $44,055,671 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 $16,602,909 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is robust; with $12,131,0277 in total loans and leases and 2,238 used auto loans, we're here to support your financial goals across various sectors. Our operational efficiency is reflected in our net income of $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 47 full-time employees and 9 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Total Share Accounts stand at an impressive 31,777, 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, Impact Credit Union is your trusted partner. Visit us at 1466 Oak Harbor Rd Fremont Oh 43420 or call 419-355-9631 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 $34,927,033 in used vehicle loans and $7,847,651 in new vehicle loans already helping members get on the road. We provide competitive rates and flexible terms designed for all types of buyers. Plus, if you're considering refinancing your current auto loan for better terms or lower monthly payments, we can help you explore those options.

Business Financing

For business owners seeking growth opportunities, our outstanding commercial loans total $318,240, providing essential capital for expansion and operational needs. We work closely with local businesses to create financing solutions that fit their unique circumstances. No matter what type of loan you're interested in be it auto financing, mortgages, personal loans or credit cards our team at Impact Credit Union is here to assist you every step of the way. 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're ready to start your application or want more information on eligibility options for any of our loan products, don't hesitate to reach out to us at 419-355-9631 or visit our website at Impact Credit Union. Your path to financial success starts here!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $10,327,411. With straightforward eligibility criteria and personalized service from our team, we aim to make the process as smooth as possible. If you're interested in refinancing an existing mortgage to take advantage of lower interest rates or different loan terms, we can guide you through that process too.

Unsecured Credit Card Loans

Managing everyday expenses is easier with our flexible unsecured credit card loans. We currently have $5,324,085 in unsecured credit card loans assisting our members with their financial needs. Our cards come with competitive rates and rewards programs that can benefit your spending habits.

Loan Aggregator

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Impact Credit Union Inc