Kaskaskia Valley Credit Union Centralia IL | Best Auto Loans & Low Mortgage Rates

Introduction

Welcome to Kaskaskia Valley, your trusted partner in financial wellness located at 401 S Poplar St, Centralia, IL 62801. Since opening our doors in 1982, we have dedicated ourselves to serving our community with integrity and care. With a current membership of 3,595, we pride ourselves on creating a welcoming environment where everyone can find the financial solutions they need. At Kaskaskia Valley, we understand that every member's journey is unique. That's why we offer a wide range of services tailored just for you from personal banking options like checking and savings accounts to auto loans, mortgages, and business banking solutions. Our total assets stand at an impressive $26,711,398, reflecting our commitment to stability and growth. We currently manage total deposits of $3,990,814, ensuring that your money is safe and working for you. Under the leadership of our CEO, Amber Benson, and Board President, Gary Robinson, we strive to empower our members through financial education and personalized service. Our team of 8 dedicated employees is always ready to assist you during our lobby hours from 8:30 AM to 5:00 PM on weekdays and from 9:00 AM to 12:00 PM on Saturdays. While members can visit us at our branch for all their needs, official correspondence should be directed to the same address: 401 S Poplar St, Centralia, IL 62801. Whether you're looking to buy your first car or save for your dream home, Kaskaskia Valley is here to help you every step of the way. We invite you to explore our offerings further by visiting us online at mykvccu.org or by giving us a call at (618) 533-6681. Join us today as we work together towards achieving your financial goals!

Branch History & Mission

Community Focus

Kaskaskia Valley is not just about banking; it's about building relationships and giving back. We actively participate in local events and initiatives aimed at improving the lives of those around us. Whether it's sponsoring local sports teams or supporting charities, we are dedicated to making Centralia a better place for everyone. As we look ahead to the future, we invite you to join us on this journey. Experience firsthand the benefits of being a member of Kaskaskia Valley Credit Union. Together, let's work towards achieving your financial goals while contributing positively to our beloved community. For more information or to become a member today, please call us at 618-533-6681 or visit our website at mykvccu.org. Join us and be part of something greater!

Our Journey

Since opening our doors, Kaskaskia Valley has focused on providing exceptional financial services while fostering a sense of community. Over the years, we have steadily increased our total assets to an impressive $26,711,398. This growth reflects not only our success but also the trust that our members place in us every day. Our branch has evolved with the times, adapting to new technologies and changing member needs. We've embraced digital advancements to make banking easier and more convenient. With services like online banking and mobile applications, members can manage their finances at their fingertips.

Our Mission

At Kaskaskia Valley, our mission is simple yet powerful: we strive to empower our members through accessible financial services while making a positive impact in our community. We believe that when our members succeed financially, our community thrives as well. This belief drives us to offer a wide range of products including checking and savings accounts, auto loans, mortgage options, personal loans, credit cards with rewards, and business banking services. While members can visit us at 401 S Poplar St, official correspondence should be sent to 401 S Poplar St, Centralia, IL 62801. Our friendly team is here for you during our operating hours: Monday through Friday from 8:30 AM to 5:00 PM and Saturday from 9:00 AM to 12:00 PM.

Branch Location & Accessibility

Welcome to Kaskaskia Valley, your friendly neighborhood credit union located at 401 S Poplar St in Centralia, IL! Our branch is easily accessible and conveniently situated near popular local spots, making it simple for you to visit us. Whether you're coming from the Marion County Courthouse or stopping by after visiting the nearby parks, we're here to serve you. While members can visit us at 401 S Poplar St, official correspondence should be sent to the same address. We strive to ensure that our branch is not only welcoming but also accessible for everyone. You'll find ample parking available right outside our doors, along with ADA-compliant features to assist all our members. We invite you to experience our personal banking services during our lobby hours from 8:30 AM to 5:00 PM on Monday through Friday, and we're open on Saturdays from 9:00 AM until noon if you need to stop by for a quick transaction. Please note that we do not currently have drive-thru banking or ATM services available at this location. If you have any questions or need assistance, feel free to reach out by calling us at 618-533-6681. Our team is eager to help you with everything from checking and savings accounts to auto loans and more. Come visit Kaskaskia Valley today; we look forward to meeting you!

Member Eligibility

At Kaskaskia Valley, we believe in building a community where everyone can thrive. Becoming a member is easy and opens the door to a world of financial services designed with your needs in mind. To join us, you simply need to meet certain eligibility criteria. If you live or work in Marion County, or have family members who are already part of our credit union, you're likely eligible to become a member! We welcome individuals from all walks of life and aim to provide financial support tailored just for you. For more detailed information on eligibility, please visit our eligibility page. Once you're ready to take the next step, opening an account at our branch located at 401 S Poplar St, Centralia, IL 62801 is straightforward. You can reach us at 618-533-6681 if you have any questions or need assistance. We're excited to welcome you into our Kaskaskia Valley family and support you on your financial journey!

Business Banking & Commercial Services

Merchant Services that Matter

In today's fast-paced market, efficient payment processing is vital for success. Our merchant services allow businesses to accept payments seamlessly, whether online or in-person. This capability not only enhances customer satisfaction but also streamlines your cash flow. Whether you're starting a new venture or looking to scale an existing one, Kaskaskia Valley is here to help you navigate your financial journey. Reach out to us at 401 S Poplar St, Centralia, IL 62801, or call us at 618-533-6681 to learn more about how we can support your business goals.

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. Although we currently have no member or non-member commercial loans, our focus remains on creating future opportunities for local enterprises. We aim to provide flexible financing solutions that meet the diverse needs of our business community.

Comprehensive List Of Services

ATM & Cash Withdrawal Services

While we currently do not have ATMs at our branch location, we ensure easy access to cash through our partnerships and services available across various locations. We invite you to explore these offerings and discover how Kaskaskia Valley can support your financial journey. Have questions? Don't hesitate to reach out at 618-533-6681 or visit us online at mykvccu.org. Let's take the next steps together!

Auto Loans & Vehicle Financing

Thinking about buying a new car? We offer competitive auto loans and vehicle financing options tailored to fit your budget. With our straightforward application process, getting behind the wheel of your dream vehicle can be easier than you think. Plus, we guide you through each step to ensure you're comfortable and confident in your decision.

Business Banking

For business owners, we offer robust banking solutions tailored specifically for small businesses. From merchant services that simplify transactions to business loans that help fuel growth, Kaskaskia Valley supports local entrepreneurs every step of the way.

Credit Cards with Rewards

Our credit cards come with rewards programs that make every purchase count. Whether it's earning points for travel or cash back on everyday spending, our card options allow you to benefit from using credit responsibly.

Mortgage Loans & Refinancing

For those looking to purchase a home or refinance an existing mortgage, Kaskaskia Valley provides personalized mortgage solutions. Picture this: securing a loan that not only helps you buy the house you've always wanted but also fits within your financial plan. Our team is here to assist you from pre-approval to closing, making the process as smooth as possible.

Online & Mobile Banking

In today's fast-paced world, convenience matters. That's why we prioritize digital banking features. With our online and mobile banking services, managing your accounts is just a click away whether you're at home or on the move.

Personal Banking

Whether you're looking to open a checking or savings account, Kaskaskia Valley has you covered. Our personal banking services are designed with your everyday needs in mind. Imagine having a safe place for your money that also offers features like online and mobile banking, so you can manage your finances on the go. This means you can check balances, transfer funds, and pay bills whenever it's convenient for you.

Personal Loans & Debt Consolidation

If you're facing unexpected expenses or want to consolidate debt, our personal loans can provide the relief you need. Think of it as a way to manage financial stress more effectively by combining several debts into one manageable payment at a lower interest rate.

Digital & Online Banking

Key Services

Our online banking platform makes it easy for you to stay on top of your finances. You can check your account balances, view transaction history, and transfer funds with just a few clicks. Plus, we offer electronic statements, so you can go paperless and keep track of your finances more efficiently. Our e-statements are not only eco-friendly but also help you manage your accounts more effectively. If you're always on the go, our mobile application is here to make banking even easier. You can handle transactions right from your smartphone, providing real-time account management at your fingertips. Although we currently do not support mobile payments or person-to-person transfers, our app still offers essential features for managing your accounts with ease.

Security and Accessibility

Your security is our top priority. We use advanced encryption to protect your personal information, ensuring that your data remains safe while you bank online. Additionally, our electronic signature authorization feature allows you to sign documents securely without the hassle of printing and mailing them. Banking with us means having control over your finances without sacrificing security or convenience. Whether you're checking balances or paying bills, Kaskaskia Valley is here to support you every step of the way. Join us today and experience the benefits of modern banking!

Financial Strength

Commitment to Innovation

With $2,436,437 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 members' financial goals across various sectors with $15,540 in used auto loans and $17,828,915 in total loans and leases.

Growing Member Base

Total Share and Deposit Accounts: 5,937, showing a strong and growing member base that trusts us with their finances. This trust allows us to grow together as a community while maintaining the high standards of service you expect from Kaskaskia Valley. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Kaskaskia Valley is your trusted partner. Visit us at 401 S Poplar St Centralia Il 62801 or call (618) 533-6681 to learn more about how we can help you achieve your financial goals.

Member-Focused Savings

Members' savings are secured through $1,247,462 in share certificates and $255,219 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $127,910, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our $183,768 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 7 full-time employees and 1 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Strong Financial Health

With a net worth of $2,672,096, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $998 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 $8,774,401 in used vehicle loans and $3,852,392 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new vehicle or opting for a reliable used one, our loan options provide flexibility and competitive terms tailored just for you.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $989,573, allowing you to invest in your dream home without hassle. Whether you are a first-time buyer or looking to refinance an existing mortgage, our team is here to guide you through the process.

Unsecured Credit Card Loans

Managing day-to-day expenses can be challenging. That's why we also provide flexible terms on unsecured credit card loans. With a total of $808,042 in loans available, our credit cards help members manage their finances effectively while earning rewards along the way. At Kaskaskia Valley, we prioritize your financial well-being. If you're considering refinancing any existing loans or want to learn about eligibility options for our products, don't hesitate to reach out. Our dedicated team is ready to assist you every step of the way. For more information about our loan offerings or to speak with a representative, visit us at 401 S Poplar St Centralia, IL 62801, or call us at 618-533-6681. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Explore how we can help you today!

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KASKASKIA VALLEY CREDIT UNION - Centralia, IL