Indiana Lakes Credit Union Warsaw IN | Affordable Auto Loans & Business Banking

Introduction

Welcome to Indiana Lakes Credit Union, where our commitment to serving the community shines through in everything we do. Located at 322 S Detroit St, Warsaw, IN 46580, we have been proudly providing financial services since our establishment in 1977. With a strong focus on building lasting relationships, we currently serve 1,769 members and manage total assets of $26,071,578. At Indiana Lakes, we believe that banking should be personal and accessible. Whether you're looking for a checking account, an auto loan, or support for your business needs, we've got you covered with a variety of financial products tailored just for you. Our members enjoy a total deposit base of $1,367,123, ensuring that your funds are safe and sound while earning competitive returns. Under the guidance of our dedicated CEO, Jamie Bales, and Board President Dustyn Arney, our team of seven employees is here to help you navigate your financial journey. We take pride in our ability to offer personalized service and expert advice, helping you make informed decisions every step of the way. While members can visit us at our branch location in Warsaw, official correspondence should be sent to P.O. Box 1064, Warsaw, IN 46581. Feel free to reach out to us at (574) 267-7497 with any questions or to learn more about how we can assist you. Join us today at Indiana Lakes Credit Union your trusted partner for all your banking needs! For more information about our services or to open an account online, visit our website at ilfcu.org. We look forward to welcoming you into our family!

Branch History & Mission

Welcome to Indiana Lakes, a credit union with a rich legacy of serving the community since 1977. Located at 322 S Detroit St, Warsaw, IN 46580, we have grown alongside our members, evolving to meet their needs and supporting the greater Warsaw area. Over the years, Indiana Lakes has become a trusted financial partner for many, boasting a total membership of 1,769 members and total assets reaching an impressive $26,071,578. Our growth is not just measured in numbers but in the relationships we have built and the lives we have touched. Our commitment to providing personalized financial services has allowed us to adapt and thrive in a changing financial landscape. At Indiana Lakes, our mission is clear: We aim to empower our members through accessible financial products while fostering a supportive community environment. Whether it's helping someone secure their first auto loan or guiding a family through the home-buying process, we are here to support every step of their journey. We believe that financial education and responsible banking can uplift individuals and strengthen communities. While members can visit us at 322 S Detroit St, official correspondence should be sent to P.O. Box 1064, Warsaw, IN 46581. Our branch offers convenient operating hours: Monday through Thursday from 9:00 AM to 5:00 PM, Friday from 9:00 AM to 6:00 PM, and Saturday from 9:00 AM to 12:00 PM. For added convenience, we provide ATM access and drive-thru banking services. Our dedication extends beyond traditional banking; we actively engage in partnerships and community outreach efforts aimed at enhancing the lives of those around us. Whether sponsoring local events or participating in charitable initiatives, we strive to give back to the community that has supported us throughout our journey. Join us at Indiana Lakes Credit Union and experience firsthand how we can help you achieve your financial goals while being part of a caring community. Together, let's build a brighter future! For more information or assistance, feel free to reach out at (574) 267-7497 or explore our website at Indiana Lakes.

Branch Location & Accessibility

Welcome to Indiana Lakes, your friendly neighborhood credit union located at 322 S Detroit St in Warsaw, IN. Our branch is easily accessible and conveniently situated near popular local landmarks, making it a breeze for you to stop by and take care of your banking needs. Whether you're heading home from work or out for errands, we're right on your way! While members can visit us at our physical location, please note that official correspondence should be sent to our mailing address at P.O. Box 1064, Warsaw, IN 46581. Our branch offers ample parking for your convenience and features accessibility options to ensure everyone can visit us comfortably. At Indiana Lakes, we're here for you during our lobby hours: Monday through Thursday from 9:00 AM to 5:00 PM, Friday from 9:00 AM to 6:00 PM, and Saturday from 9:00 AM to 12:00 PM. If you need cash outside these hours, we have an ATM available on-site for quick and easy transactions. For those who prefer drive-thru banking, we've got you covered! Our drive-thru service allows you to handle deposits and withdrawals without leaving your vehicle. We also offer a variety of services including personal banking accounts, auto loans, mortgage options, and more all designed with your financial well-being in mind. If you have any questions or need assistance, feel free to call us at 574-267-7497. We invite you to visit us soon at Indiana Lakes where community meets convenience!

Member Eligibility

Becoming a member of Indiana Lakes feels like joining a warm, welcoming community that truly cares about your financial well-being. If you live, work, or worship in the Warsaw area or are a family member of an existing member, you're already eligible to join us! We believe everyone deserves access to quality financial services, and at Indiana Lakes, we prioritize our members' needs above all else. For more detailed information about eligibility criteria, feel free to check out this resource. Opening an account is simple and straightforward just visit us at 322 S Detroit St Warsaw In 46580 or give us a call at (574) 267-7497. Our friendly team is here to help you every step of the way, ensuring you feel supported as you embark on your financial journey with us. Don't hesitate to explore all the benefits of membership at Indiana Lakes!

Business Banking & Commercial Services

Loan Options to Fuel Your Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $11 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $554,395, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services That Make Transactions Easy

In addition to loans, we offer merchant services that simplify payment processing for your business. Picture this: your customers can easily pay via credit card, mobile payments, or even online transactions all backed by our secure systems. This not only enhances customer satisfaction but also streamlines your operations, allowing you to focus on what truly matters growing your business. Visit us at 322 S Detroit St Warsaw In 46580 in Warsaw, IN, or call us at (574) 267-7497 to learn how we can help your business thrive!

Comprehensive List Of Services

Business Banking Services

For our business members, we provide essential services through our Business Banking offerings. From Merchant Services that simplify transactions for your customers to tailored Business Loans that fuel growth, we're here to support your entrepreneurial journey.

Convenient Digital Banking

In today's fast-paced world, convenience is key. Our robust Online & Mobile Banking features allow you to manage your accounts anytime and anywhere. You can easily check balances, transfer funds, and pay bills right from your smartphone or computer. Plus, with our ATM and cash withdrawal services available at various locations, accessing cash has never been easier.

Credit Options

Our Credit Cards with Rewards offer great benefits for everyday purchases, allowing you to earn while you spend. Whether it's for groceries or gas, enjoy rewards that add up quickly.

In-Person Assistance

While digital banking offers great flexibility, sometimes a face-to-face interaction is what you need. Our friendly staff is ready to assist you with basic drive-thru banking for deposits and withdrawals during lobby hours: Monday through Thursday from 9:00 AM to 5:00 PM, Friday from 9:00 AM to 6:00 PM, and Saturday from 9:00 AM to 12:00 PM. At Indiana Lakes, we strive not just to meet but exceed your expectations when it comes to financial services. If you're ready to learn more about how we can help you or if you have questions about any of our offerings, don't hesitate to reach out! Call us at 574-267-7497 or visit us today at our branch in Warsaw. Let's work together towards achieving your financial dreams!

Personal Banking Solutions

Whether you're looking to open a new checking account or save for a big purchase, our Personal Banking services cover everything you need. We offer a variety of Checking & Savings Accounts tailored to fit different lifestyles. For those considering a new car or need assistance with vehicle financing, our Auto Loans & Vehicle Financing options can help get you on the road quickly and affordably. If homeownership is in your plans, explore our Mortgage Loans & Refinancing services. We aim to make the process as smooth as possible so you can focus on creating memories in your new home. Additionally, if you're facing debt challenges, our Personal Loans & Debt Consolidation options provide flexible solutions to help you regain control over your finances.

Digital & Online Banking

Key Features for Your Convenience

Our mobile application makes banking even easier. You can download it on your smartphone and enjoy features like mobile payments, which let you make purchases quickly without fumbling for cash or cards. Want to send money to a friend? With our person-to-person transfer option, it's as simple as sending a text. To keep track of your spending and stay organized, we offer e-statements as well. This eco-friendly choice allows you to view your account statements online instead of waiting for them in the mail. It's not only convenient but also helps reduce clutter. Security is always a top priority at Indiana Lakes. While we currently do not offer electronic signature authorization, we employ strong measures to protect your information during every transaction. Your peace of mind matters to us. In conclusion, whether you're using our website or mobile app, managing your finances has never been easier or more secure. Join us at Indiana Lakes and experience the future of banking today!

Financial Strength

Commitment to Growth

With $2,687,602 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 $136 in used auto loans and $13,781,574 in total loans and leases supporting members' financial goals across various sectors.

Growing Trust

The trust placed in us by our growing member base is evident with a total of 3,318 share accounts. This shows that more individuals like you see the value in being part of Indiana Lakes, where your finances are handled with care. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Indiana Lakes is your trusted partner. Visit us at 322 S Detroit St Warsaw In 46580 or call (574) 267-7497 to learn more about how we can help you achieve your financial goals.

Member-Focused Savings

Members' savings are secured through $5,814,273 in share certificates and $1,191,272 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.

Operational Efficiency

Our operational efficiency is reflected in our $60,940, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 7 full-time employees and 0 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. With net shares amounting to $813,071, we have funds available for lending and investments that further strengthen our service offerings.

Strong Financial Health

With a net worth of $3,070,818, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 11.75% 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 $1,885,952 in used vehicle loans and $228,933 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive rates that cater to various budgets and credit profiles.

Credit Lines and Unsecured Loans

For those looking for additional financial flexibility, we also provide total credit lines of $1,730,000. We offer flexible terms on unsecured credit card loans as well, with a total of $281,111 in loans helping members manage their finances effectively. These options are perfect for unexpected expenses or consolidating debt into one manageable payment.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $1,835,948, make buying or refinancing simple. We help you navigate the process with ease, offering guidance and support along the way.

Refinancing Options

If you're considering refinancing any existing debts or mortgages, Indiana Lakes is here to assist you with competitive rates and personalized service. We believe in making financial solutions accessible and straightforward for all our members. Our dedicated team is ready to discuss eligibility options tailored to your unique situation. For more information on our loan products or to explore refinancing opportunities, please don't hesitate to contact us at 574-267-7497 or visit us at our branch located at 322 S Detroit St, Warsaw, IN 46580. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At Indiana Lakes, we're committed to supporting our community with responsible lending practices that empower our members financially.

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INDIANA LAKES FEDERAL CREDIT UNION - Warsaw, IN

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