L C E Credit Union Painesville OH | Affordable Auto Loans & Business Banking

Introduction

Welcome to L C E Federal Credit Union, your trusted financial partner located at 77 N Saint Clair St, Painesville, OH 44077. Since our establishment in 1960, we have been dedicated to serving our community with a focus on providing exceptional financial services tailored to meet the needs of our 5,791 members. With total assets amounting to an impressive $62,540,652, we pride ourselves on being a solid choice for all your banking needs. At L C E, we understand that our members deserve the best. That's why we've built a range of services designed to support you, from personal checking and savings accounts to auto loans and mortgages. Our commitment is reflected in our total deposits of $6,312,819 and a net worth of $6,263,532, ensuring that your money is safe and sound with us. Led by our dedicated CEO, Anita Walters, and Board President, Dale Flood, we are here to provide you with personalized service that makes banking easier. Whether you're looking for help with loans over 3,092 loans and leases currently funded or simply want to discuss your financial goals, our team of 14 employees is ready to assist. While members can visit us at the branch for everyday transactions or inquiries during lobby hours from 9:00 AM to 4:30 PM Monday through Thursday, and until 5:30 PM on Fridays, official correspondence should be sent to the same address. Join us today at L C E Federal Credit Union where your financial well-being comes first! For more information or to get started with your account, give us a call at 440-357-2560 or visit us online at lcefcu.org. Let's work together towards achieving your financial dreams!

Branch History & Mission

Our Mission

At L C E Federal Credit Union, our mission is clear: to empower individuals and families through accessible financial services tailored to their needs. We believe that everyone deserves a chance at financial success. Our offerings include personal banking services such as checking and savings accounts, auto loans, mortgage refinancing, personal loans, credit cards with rewards, and business banking solutions. But our commitment goes beyond just financial transactions. We strive to foster a sense of community by actively engaging in outreach efforts and forming partnerships that uplift those around us. Whether it's hosting financial literacy workshops or participating in local events, we aim to make a positive impact on the lives of our members. While you can visit us at 77 N Saint Clair St, official correspondence should be directed to the same address for your convenience. With operating hours from Monday to Thursday 9:00 am - 4:30 pm and Friday from 9:00 am - 5:30 pm, along with drive-thru services available starting at 8:30 am, we ensure that help is always within reach. As we move forward into the future, we invite you to be part of our story. Join L C E Federal Credit Union today and experience the benefits of being part of a community-focused financial institution where your needs are prioritized. Together, let's build a brighter financial future! For more information or to become a member, please call us at 440-357-2560 or visit our website at www.lcefcu.org.

Branch Location & Accessibility

Welcome to L C E Federal Credit Union, your friendly financial partner located at 77 N Saint Clair St in the heart of Painesville, OH. Our branch is conveniently situated near local favorites, making it easy for you to stop by while running errands or visiting nearby landmarks. Whether you're heading to the beautiful Lake Erie shoreline or exploring downtown Painesville, we're just a stone's throw away. At L C E, we prioritize accessibility for all our members. Our branch features ADA-compliant facilities, including ramps and designated parking spots to ensure that everyone can easily access our services. We have both drive-thru banking and ATM availability for your convenience, allowing you to manage your finances without any hassle. Our operating hours are designed with your busy schedule in mind. We're open Monday through Thursday from 9:00 am to 4:30 pm and on Friday from 9:00 am to 5:30 pm. Plus, our drive-thru opens at 8:30 am, perfect for those who prefer a quick visit. While members can visit us at our branch address, official correspondence should be sent to the same address: 77 N Saint Clair St, Painesville, OH 44077. If you have any questions or need assistance, feel free to give us a call at 440-357-2560. Our team is always ready to help! We invite you to come in and discover the range of services we offer from personal banking solutions like checking and savings accounts to loans and credit cards tailored just for you. Stop by today; we look forward to serving you!

Member Eligibility

Becoming a member of L C E is like opening the door to a community that truly cares about your financial well-being. If you live, work, worship, or attend school in Lake County, Ohio, you're already eligible to join us! We welcome individuals and their families who are ready to take advantage of our tailored services and supportive environment. Not only will you gain access to a variety of financial products, but you'll also enjoy the personalized service that sets us apart from traditional banks. To get started on your membership journey, simply check out the detailed eligibility criteria at http://www.lcefcu.org/membership. It's straightforward and designed with you in mind. Once you've confirmed your eligibility, opening an account is easy! You can find all the necessary information at https://mobicint.net/lce-autoenrollment/login. If you have any questions or need assistance, don't hesitate to reach out to us at (440) 357-2560. Join us today at 77 N Saint Clair St Painesville Oh 44077, where we're excited to help you achieve your financial goals!

Business Banking & Commercial Services

Merchant Services for Everyday Needs

In addition to loans, our merchant services provide practical tools that help your business thrive. From easy payment processing to managing transactions seamlessly, we ensure that you can focus on what truly matters growing your business. If you're looking for reliable support and flexible financing options, visit us at 77 N Saint Clair St Painesville Oh 44077 in Painesville, OH. You can also reach us at (440) 357-2560 to discuss how we can assist you today!

Tailored Loan Solutions

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. Although we currently have no member commercial loans funded, we are dedicated to helping our members find the right financial solutions.

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need cash in a hurry? Our ATMs are readily available for quick withdrawals and balance checks. Plus, our drive-thru service makes banking even easier whether it's making deposits or simple transactions without leaving your car. At L C E, we're committed to making your banking experience as smooth as possible. If you're looking for personalized service combined with modern convenience, look no further! For any questions or assistance regarding our services, don't hesitate to reach out at (440) 357-2560. We invite you to visit us at 77 N Saint Clair St Painesville Oh 44077 or check out more about what we offer on our website: L C E Federal Credit Union. Join us today and take the first step towards achieving your financial goals!

Business Banking Services

If you're a business owner, we offer specialized banking solutions tailored just for you. Our merchant services streamline payment processing, while our business loans provide the capital needed to grow your enterprise. At L C E, we believe in supporting local businesses because they are the backbone of our community.

Convenient Online & Mobile Banking

In today's busy world, convenience is key. That's why we offer robust online and mobile banking platforms that allow you to manage your accounts anytime, anywhere. Check balances, transfer funds, and pay bills with just a few taps on your phone or clicks on your computer.

Credit Cards with Rewards

Why not earn rewards while making everyday purchases? Our credit cards come with exciting rewards programs that allow you to get more from your spending. Imagine getting cash back or points toward travel just for using your card!

Personal Banking Solutions

We understand that everyone has different banking needs, which is why our personal banking services include checking and savings accounts designed to help you manage your money effectively. With options like auto loans and vehicle financing, we make it easier for you to get on the road. Planning to buy a home? Our mortgage loans and refinancing options can help turn your dream into reality. For those unexpected expenses, our personal loans and debt consolidation services provide the support you need to stay on track financially.

Digital & Online Banking

Accessibility and Ease of Use

We believe that managing your money shouldn't be complicated. That's why our online banking system is user-friendly and designed with members in mind. You can quickly check your account status or manage transactions without any hassle. Whether you're on the go or relaxing at home, you have the power to control your finances in real-time. Join us at L C E today and experience the convenience of modern banking that keeps pace with your life. Visit us at https://www.lcefcu.org/ to explore all our digital banking services!

Key Features of Our Digital Banking Services

Our online banking service allows you to view account balances, make transfers, and pay bills with just a few clicks. If you're looking for convenience in sending money to friends or family, our person-to-person transfer feature makes it simple and fast. And for those who prefer using their smartphones, our mobile application offers an intuitive interface that puts banking right at your fingertips. Security is a top priority at L C E. With electronic signature authorization available, signing documents online is both safe and efficient. Plus, you can opt for e-statements to reduce paper clutter while still keeping track of your finances easily.

Financial Strength

Growing Membership Base

Total Share and Deposit Accounts: 9,676, 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, L C E is your trusted partner. Visit us at 77 N Saint Clair St Painesville Oh 44077 or call (440) 357-2560 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.

Operational Efficiency

Our $118,589 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 13 full-time employees and 1 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvestment for Growth

With $5,396,626 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 with $1,099 in used auto loans and $34,308,399 in total loans and leases.

Secured Member Savings

Members' savings are secured through $11,053,078 in share certificates and $5,629,036 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 $6,263,532, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 10.01% 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

Additional Options

In addition to these primary offerings, we also have total credit lines available amounting to $1,500,000, which can provide extra flexibility for unexpected expenses or planned projects. If you're considering refinancing any existing loans or exploring eligibility options, our team is here to assist you every step of the way. You can reach us at (440) 357-2560 if you have questions or want to start your application process. Visit us at our branch located at 77 N Saint Clair St Painesville Oh 44077, Painesville, OH OH. We're open Monday through Thursday from 9:00 am to 4:30 pm and Friday until 5:30 pm. For further details about membership eligibility and additional services we offer, please check out our website at https://www.lcefcu.org/. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let us help you navigate your financial journey today!

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $14,313,516 in used vehicle loans and $3,652,737 in new vehicle loans already helping members get on the road. We provide financing options that can make purchasing a vehicle more accessible than ever.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $1,709,568, make buying or refinancing simple. We pride ourselves on working closely with our members to find solutions that fit their budget and lifestyle.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $1,604,866 in loans helping members manage their finances effectively. Our credit cards come with competitive rates and rewards that can enhance your everyday spending.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. With a focus on transparency and reliability, LendMesh is designed to help consumers make informed financial decisions. LendMesh ensures accurate loan comparisons by sourcing its data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards. This means that the information presented is based on the latest results from institutions that meet rigorous regulatory criteria (Source: https://www.ncua.gov). Such adherence guarantees fair and transparent offers, allowing users to trust that they are viewing legitimate options. One of the key benefits of using LendMesh is its commitment to verified data. All loan offers are sourced from legitimate financial institutions, ensuring transparency throughout the comparison process. Additionally, LendMesh does not prioritize lenders based on paid promotions; this means users receive unbiased results without hidden agendas influencing their choices. The platform provides real-time rate comparisons, presenting up-to-date loan rates from multiple institutions. This feature empowers users to make decisions based on current market conditions rather than outdated information. Thousands of users trust LendMesh for loan comparisons. One satisfied member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This testimonial highlights how effective and user-friendly the tool is for those seeking better loan rates. 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.

L C E FEDERAL CREDIT UNION - Painesville, OH

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