Lake Chem Community Credit Union Benton KY | Best Auto Loans & Quick Personal Loans

Introduction

Welcome to Lake Chem Community, where we believe in building strong relationships and supporting our members' financial journeys. Located at 35 Us Highway 68 E, Benton, KY 42025, our branch has been a trusted part of the community since 1971. With a commitment to service and a focus on your needs, we proudly serve over 13,800 members with a range of financial products designed to help you thrive. At Lake Chem Community, we understand that your financial goals are unique. Whether you're looking for personal banking services like checking and savings accounts, auto loans, or mortgages, we've got you covered. With total assets of $97,778,794 and total deposits reaching $7,104,458, our credit union is financially sound and ready to assist you. Our leadership team is dedicated to ensuring that every member feels valued. Under the guidance of our CEO, Connie Evans, and Board President, Mark Shoulta, we strive to create an environment where everyone can succeed. Our knowledgeable staff of 22 employees is always on hand to offer personalized support and answer any questions you may have. While members can visit us at our branch address for everyday transactions, official correspondence should be sent to the same location: 35 US Highway 68 E, Benton, KY 42025. We also offer convenient services like online banking and ATMs for your accessibility. Join us today at Lake Chem Community your trusted partner in achieving your financial dreams. Feel free to give us a call at (270) 527-4389 or visit our website at lakechemfcu.org for more information. Together, let's build a brighter financial future!

Branch History & Mission

Community Focus

Throughout our history, Lake Chem Community has emphasized the importance of community involvement. We partner with local organizations to create positive change and uplift those around us. Our efforts include supporting educational programs, local charities, and various events that bring people together. While members can visit us at 35 US Highway 68 E, official correspondence should be sent to 35 US Highway 68 E, Benton, KY 42025 if needed. With operating hours from 9 AM to 5 PM Monday through Friday and 8 AM to 12 PM on Saturdays, we strive to be available when you need us most. In addition to traditional banking hours, our drive-thru service offers added convenience for quick transactions without leaving your car. With ATM availability as well, accessing your funds has never been easier.

Join Us

As we look ahead, we invite you to become part of our growing family at Lake Chem Community. Experience firsthand how we prioritize your financial health while contributing positively to our beloved Benton community. Visit us today or contact us at (270) 527-4389 to learn more about becoming a member. Together, let's build a brighter future!

Our Mission

At Lake Chem Community, our mission is clear: We aim to empower our members by providing personalized financial solutions that foster growth and stability. We believe that banking should be more than just transactions; it should be a partnership built on trust and mutual respect. Our commitment extends beyond banking services; we actively engage in community outreach programs that support local initiatives and enhance the quality of life in Benton. We are dedicated to ensuring every member feels valued and supported. Whether you're looking for checking and savings accounts, auto loans, mortgage refinancing, or credit cards with rewards, our team is here to guide you every step of the way. We also offer convenient services such as online banking and ATM access so you can manage your finances easily.

Branch Location & Accessibility

Easy Access and Parking

We understand that convenience is key when it comes to banking. That's why our branch features ample parking for all members. Plus, our facility is designed with accessibility in mind, ensuring that everyone can easily access our services. Whether you need to walk in or prefer using our drive-thru service for quick transactions, we've got you covered.

Operating Hours

At Lake Chem Community, we strive to accommodate your busy schedule. Our lobby hours run from 9 AM to 5 PM Monday through Friday, making it easy for you to drop by after work or during lunch breaks. If you're on the go Saturday morning, take advantage of our drive-thru services from 8 AM until noon!

Reach Out Today!

Have questions or want more information about what we offer? Don't hesitate to give us a call at 270-527-4389! Our friendly team is ready to assist you and ensure that all your banking needs are met. Come visit us at Lake Chem Community we look forward to welcoming you!

Services Designed for You

Our branch offers a wide range of services tailored to meet your financial needs. From personal banking solutions like checking and savings accounts to auto loans and mortgages, we are here to support you every step of the way. Need cash quickly? Our ATM is readily available for withdrawals and balance checks whenever you need it.

Member Eligibility

At Lake Chem Community, we believe that everyone deserves a chance to be part of a welcoming community that puts your financial well-being first. If you're interested in joining us, the good news is that becoming a member is simple and inclusive. To qualify, you generally need to live, work, or worship in our local area. We also encourage family members of existing members to join in on the benefits and support we offer. For more detailed eligibility criteria, feel free to check out this resource. Opening an account with us is straightforward, and our friendly team is here to guide you every step of the way. Whether it's checking or savings accounts, loans, or other services, we're committed to meeting your needs while fostering a strong relationship built on trust and understanding. If you have any questions or want to get started, don't hesitate to give us a call at (270) 527-4389. Join us at Lake Chem Community, located at 35 Us Highway 68 E Benton Ky 42025, and experience the difference of being part of our community!

Business Banking & Commercial Services

Merchant Services That Make Sense

Imagine having a reliable partner for all your payment processing needs. Our merchant services can help streamline your transactions, making it easier for you to accept payments from customers whether in-store or online. This means you can focus more on what you do best: running your business.

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. While we currently have no recorded member or non-member commercial loans, we are eager to assist local entrepreneurs with flexible financing solutions when the time comes.

Your Local Resource

Located at 35 Us Highway 68 E Benton Ky 42025 in Benton, KY, we're not just a financial institution; we're a part of your community. Reach out to us at (270) 527-4389 for personalized service and support tailored specifically for your business needs. Let's grow together!

Comprehensive List Of Services

Business Banking Solutions

For small business owners, we provide comprehensive Business Banking solutions including merchant services and business loans. We know that running a business comes with its own challenges, which is why we're here to support you with financial products that help you thrive.

Convenient Digital Banking

In today's world, convenience is key. That's why we offer robust Online & Mobile Banking features. With just a few clicks or taps on your phone, you can manage your accounts from anywhere whether it's checking balances or making transfers. Our ATM and cash withdrawal services ensure that accessing your money is quick and easy. Additionally, if you prefer face-to-face interactions, our basic drive-thru banking allows for simple transactions like deposits and withdrawals without leaving your car. And yes, our ATMs are equipped for withdrawals and balance checks whenever you need them. At Lake Chem Community, we're not just a credit union; we're a partner in your financial success. If you're ready to explore how we can help you achieve your financial dreams or if you have any questions about our services, please don't hesitate to reach out at 270-527-4389 or visit us online at lakechemfcu.org. Join us today and discover the difference personalized banking can make!

Personal Banking Made Easy

Our Personal Banking services include checking and savings accounts designed to fit your lifestyle. Whether you're saving for a rainy day or planning a big purchase, our accounts offer competitive rates and easy access to your funds. Imagine having a dedicated place for your money that not only keeps it safe but also helps it grow over time. When it comes to financing your next vehicle, our Auto Loans & Vehicle Financing options are straightforward and flexible. We make it easy for you to get behind the wheel of your dream car with terms that suit your budget. And if you're thinking about buying a home, our Mortgage Loans & Refinancing services provide the support you need to navigate the housing market successfully.

Support for Your Financial Goals

For those looking to manage existing debt or tackle new expenses, our Personal Loans & Debt Consolidation solutions can help simplify your finances. Our loans come with clear terms and friendly guidance, making it easier for you to achieve your goals without stress. If you're interested in building credit while enjoying benefits, consider our Credit Cards with Rewards. These cards offer cashback and other perks that can enhance your purchasing power while helping you build a solid credit history.

Digital & Online Banking

Key Features

Our online banking services can be accessed through https://www.lakechemfcu.org/, where you can quickly check your balance, transfer funds, and manage your transactions with just a few clicks. Enjoy the peace of mind that comes with 24/7 online banking services, so you can handle your financial needs whenever it suits you. We also offer electronic signature authorization, making it simple to complete paperwork without the hassle of printing and mailing documents. This feature saves you time while ensuring that everything is done securely. If you're looking for a paperless option, you'll love our e-statements. They provide a quick and eco-friendly way to keep track of your account activity. You can view your statements anytime, which adds an extra layer of convenience to managing your finances.

Mobile Access

For those who prefer managing their accounts on their mobile devices, our user-friendly mobile application is available for download. With this app, you can make person-to-person transfers easily, allowing you to send money to friends or family in moments. Although we currently do not support mobile payments, our app covers all essential banking needs right at your fingertips. At Lake Chem Community, we prioritize making banking accessible and straightforward for all members. With features like these, you'll find it easier than ever to manage your finances securely and efficiently. If you have any questions or need assistance getting started with our digital services, feel free to reach out at (270) 527-4389. Your financial journey just got a whole lot easier!

Financial Strength

Commitment to Members

Unlike traditional banks, we prioritize our members. With non-member deposits at $1,988,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. This allows us to reinvest in innovative banking tools and stronger lending options.

Conclusion

Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Lake Chem Community is your trusted partner. Visit us at 35 Us Highway 68 E Benton Ky 42025 or call (270) 527-4389 to learn more about how we can help you achieve your financial goals.

Dedicated Team

We also take pride in having 22 full-time employees and 0 part-time employees ready to serve you with a knowledgeable, committed team. This means when you walk into our branch at 35 Us Highway 68 E Benton Ky 42025, you'll find friendly faces eager to assist you.

Member Savings Security

Members' savings are secured through $32,581,186 in share certificates, offering stable and rewarding financial growth opportunities. Although we currently have $0 in money market shares, our focus remains on maximizing your savings potential.

Our Financial Health

With a net worth of $8,729,258, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 8.92% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Supporting Your Financial Goals

With $1,400 in used auto loans and $74,046,889 in total loans and leases, our lending capacity supports members' financial goals across various sectors. Our current $249,103 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $18,787,782 in used vehicle loans and $12,436,999 in new vehicle loans already helping members get on the road. We make it easy to finance both new and used vehicles, ensuring you have access to the funds you need without breaking the bank.

Credit Lines and Unsecured Credit Cards

For those seeking flexibility in managing expenses, our total credit lines amount to $7,000,000, giving you access to funds when needed. We also offer flexible terms on unsecured credit card loans, with a total of $172,539 in loans helping members manage their finances effectively. These options allow for quick access to cash while maintaining control over spending.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. While we currently do not have Junior Lien 1-4 Family Residential Properties loans available, we can still guide you through other mortgage products that fit your budget and lifestyle.

Performance Insights

All 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 Lake Chem Community located at 35 Us Highway 68 E Benton KY 42025, we are committed to supporting our members through every financial journey. For any inquiries or assistance with applications, feel free to contact us at 270-527-4389. Whether you're considering refinancing or exploring eligibility options for our various loan products, we're here to help you navigate your choices confidently. Let us assist you in making informed decisions that align with your financial aspirations!

Loan Aggregator

Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This ensures that users receive fair and transparent offers. By relying on verified financial institutions, LendMesh guarantees that every loan offer is both legitimate and accurate.

Benefits of Using LendMesh

Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. This means you can trust that the information presented is reliable and up-to-date. No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. You can compare loan options without worrying about hidden agendas or conflicts of interest. Real-Time Rate Comparisons: With up-to-date loan rates from multiple institutions, users can make informed decisions about their borrowing options. The ability to compare various offers side-by-side means you can easily identify the best rates available. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Testimonials like this highlight the effectiveness and reliability of our service. 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.*

LAKE CHEM COMMUNITY FEDERAL CREDIT UNION - Benton, KY

Compare Loan Rates Near You

Loan rates in Benton, KY (42025)