Lakes Credit Union Monticello IN | Best Auto Loans & Business Banking

Introduction

Welcome to Lakes Federal Credit Union, your trusted financial partner located at 106 Rickey Rd, Monticello, IN 47960. Since our establishment in 1956, we have proudly served our community, growing alongside our members and fostering a sense of belonging. With a total membership of 3,098 and assets exceeding $25 million, we are dedicated to providing personalized banking solutions tailored to your needs. At Lakes FCU, we understand that every member's financial journey is unique. That's why we offer a diverse range of services, from checking and savings accounts to auto loans and mortgages. Our commitment to helping you achieve your financial goals is reflected in our robust offerings, which include over 898 loans and leases currently supported by our experienced team. Led by our CEO, Alicia Pifer, and Board President, Gregory Onken, we take pride in our approachable leadership that values transparency and community engagement. With a team of just 8 employees, we strive to create a welcoming environment where members can feel confident in their financial decisions. We invite you to visit us or reach out at (574) 583-5556 for any inquiries or assistance. And remember, while you can always come by our branch at the address above for face-to-face service, official correspondence should be directed to our mailing address: 106 Rickey Rd, Monticello, IN 47960-1537. Explore how Lakes Federal Credit Union can support your financial aspirations today! For more information on membership eligibility or to apply for an account online, please visit us at lakesfcu.com. Your journey towards financial success starts here!

Branch History & Mission

A Legacy of Growth

From the moment we opened our doors, Lakes Federal Credit Union has prioritized the financial well-being of its members. We started small but steadily evolved by offering valuable services tailored to meet the needs of our community. Over the years, we've expanded our offerings to include personal banking solutions like checking and savings accounts, auto loans, mortgages, and even business banking services. Our drive-thru service and ATM availability ensure that we're accessible to you when you need us most. As we grew, so did our responsibilities. We've embraced digital advancements such as online and mobile banking to make managing your finances more convenient than ever. Whether you're making deposits or checking your balance on-the-go, we strive to provide a user-friendly experience that fits your lifestyle.

Join Us Today!

As we look ahead to the future, we invite you to join us on this journey. Experience the benefits of becoming a member at Lakes Federal Credit Union where your needs come first. With personalized service from dedicated staff and an unwavering commitment to community growth, we are excited about what lies ahead. Feel free to reach out at 574-583-5556 or explore our website here for more information on membership eligibility and how we can assist you in achieving your financial dreams. Welcome to Lakes Federal Credit Union your partner in progress!

Our Mission

At Lakes Federal Credit Union, our mission is simple yet profound: to empower our members through exceptional financial services while fostering a strong sense of community support. We believe that everyone deserves access to reliable financial tools and education. That's why we actively engage in outreach initiatives aimed at enhancing financial literacy among our members and neighbors. We are dedicated not only to helping you achieve your personal financial goals but also to uplifting the Monticello area through partnerships with local organizations and involvement in community events. Together, we can create a thriving environment where everyone has the opportunity to succeed. While members can visit us at 106 Rickey Rd, official correspondence should be sent to 106 Rickey Rd, Monticello, IN 47960-1537 if needed.

Branch Location & Accessibility

Get In Touch

Have questions? We're just a phone call away at 574-583-5556. Our friendly staff is ready to assist you with any inquiries or services you may need. We invite you to visit us soon and experience firsthand how Lakes Federal Credit Union can support your financial journey!

Operating Hours

Our doors are open Monday through Thursday from 9:00 AM to 4:30 PM and on Friday until 6:00 PM. We aim to accommodate your schedule because we believe banking should fit seamlessly into your day.

Parking and Accessibility

We understand that accessibility is important. Our branch offers ample parking right outside, making it easy for you to pop in. The facility is fully ADA compliant, ensuring that everyone can access our services comfortably.

Services Offered

At Lakes Federal Credit Union, we provide a range of services tailored just for you. From personal banking options like checking and savings accounts to auto loans and mortgage financing, we're here to help. Need quick cash? Use our drive-thru service for deposits and withdrawals without leaving your car. Plus, enjoy ATM access for balance checks and withdrawals at your convenience.

Member Eligibility

At Lakes, we believe that everyone deserves a chance to be part of a caring and supportive community. Joining us is simple! If you live, work, or worship in our local area, you're likely eligible for membership. This means whether you're looking for a friendly place to manage your finances or need assistance with loans, we've got your back. We're dedicated to helping our members thrive by providing personalized service and great financial products tailored just for you. To learn more about the specific eligibility criteria, feel free to visit our website at https://lakesfcu.com/membership/. If you're ready to take the next step towards becoming a member, opening an account is easy just check out the details at http://www.lakesfcu.com/loan-application/. Should you have any questions, don't hesitate to call us at (574) 583-5556. We look forward to welcoming you to the Lakes family!

Business Banking & Commercial Services

Merchant Services That Work for You

In addition to our loan offerings, we provide essential merchant services that simplify payment processing. Picture this: a bustling café that effortlessly accepts credit cards and mobile payments, making transactions quick and easy for customers. With our merchant services, you can focus on running your business while we handle the payment details. If you're ready to take the next step in growing your business, visit us at 106 Rickey Rd Monticello In 47960 in Monticello, IN or give us a call at (574) 583-5556. Let's turn your vision into reality together!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. While we currently have $0 in member commercial loans and $0 in non-member commercial loans, our goal remains clear: to provide flexible financing solutions that empower businesses to reach their full potential. Imagine having the financial support needed to launch a new product line or invest in state-of-the-art equipment. Our team is dedicated to finding the right solutions for your business challenges, ensuring you have access to the capital required for success.

Comprehensive List Of Services

Convenient Access When You Need It

At Lakes, convenience is key. We feature an ATM for cash withdrawals and balance checks, ensuring easy access to your funds whenever needed. Plus, our drive-thru service allows for quick transactions without leaving your vehicle ideal for busy days when time is precious.

Financing Your Dreams

When it comes to financing options, we offer auto loans and vehicle financing that make getting behind the wheel simple and affordable. Picture driving away in your new car without breaking the bank! Additionally, if you're considering homeownership or want to refinance, our mortgage loans and refinancing options are designed with competitive rates to help you achieve your goals. For unexpected expenses or consolidating debt, our personal loans provide flexibility with terms that work for you. And don't forget about our credit cards with rewards, which allow you to earn points on everyday purchases perfect for those who love to travel or shop!

Join Us Today!

We invite you to explore all that Lakes has to offer. With dedicated service and a commitment to meeting your financial needs, we are more than just a credit union; we are your community partner in financial wellness. To learn more about opening an account or applying for a loan, give us a call at (574) 583-5556 or visit us online at Lakes Federal Credit Union. Let's embark on this financial journey together!

Personal Banking Made Easy

Our personal banking options include checking and savings accounts that fit various lifestyles. Imagine having access to your funds anytime with our online and mobile banking features. You can check balances, transfer money, and pay bills right from your smartphone. For those moments when you prefer face-to-face interaction, our friendly staff at our branch located at 106 Rickey Rd Monticello In 47960 in Monticello, IN is always ready to assist you.

Supporting Local Businesses

We also understand the unique needs of local businesses. Our business banking services include merchant services and business loans that empower entrepreneurs in Monticello. Whether you're starting a new venture or expanding an existing one, we have solutions tailored just for you.

Digital & Online Banking

Key Features

Our online banking service is available 24/7, allowing you to check balances, pay bills, and transfer funds whenever it suits you. No more rushing to the bank during business hours; manage your money on your schedule! Plus, with our mobile application, you have a complete banking experience right in your pocket. If you're looking for quick and easy payments, our mobile payments feature lets you make transactions directly from your smartphone. You can also send money to friends and family with our person-to-person transfer service no more needing cash or checks!

Security and Ease of Use

Your security is our top priority. We use electronic signature authorization to ensure that all your transactions are safe and secure. And if you prefer going paperless, we offer e-statements that give you easy access to your account information while helping the environment. Whether you're tech-savvy or just starting with online banking, our user-friendly interface makes it simple for anyone to navigate. You can easily manage your accounts and get real-time updates on all your transactions. With all these features at your fingertips, Lakes is committed to making your banking experience smooth and efficient. Embrace the future of banking today with us!

Financial Strength

Commitment to Growth

With $2,438,468 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 $467 in used auto loans and $14,385,262 in total loans and leases.

Member-Centric Savings

Members' savings are secured through $710,890 in share certificates, 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 $34,618 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 8 full-time employees and 0 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 $3,371,327, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 13.22% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Trust in Numbers

Net Shares (Funds available for lending and investments): $944,287. Total Share and Deposit Accounts: 5,722, 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, Lakes is your trusted partner. Visit us at 106 Rickey Rd Monticello In 47960 or call (574) 583-5556 to learn more about how we can help you achieve your financial goals.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $7,997,485 in used vehicle loans and $2,962,904 in new vehicle loans already helping members get on the road. Whether you're considering a brand-new model or a reliable used vehicle, our friendly team is here to guide you through the process. We also provide refinancing options to help you manage existing loans better.

Credit Lines

For those who need ongoing access to funds, our credit lines totaling $1,360,000 can be an excellent choice. They provide flexibility for various expenses whether for everyday purchases or larger costs allowing you to borrow only what you need when you need it. If you're ready to take the next step in achieving your financial goals or have any questions about our loan offerings, don't hesitate to reach out! You can visit us at 106 Rickey Rd Monticello In 47960 in Monticello, IN, or give us a call at (574) 583-5556. 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 Lakes, we're committed to helping you find the right financial solutions tailored just for you!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $102,647, make buying or refinancing simple. We aim to provide competitive rates and flexible terms to suit your financial situation. If you're looking to refinance an existing mortgage, our team can help explore eligibility options that may reduce your monthly payments.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $0 in loans helping members manage their finances effectively. This option allows you to access funds without needing collateral while enjoying rewards that align with your spending habits.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency in the comparison process. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions empower users to make informed decisions quickly. Thousands of users trust LendMesh for their loan comparisons. One member shared, "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!"

How LendMesh Ensures 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 all loan offers are fair and transparent. By leveraging verified data, users can trust that they are comparing legitimate offers from reputable lenders.

Take Action

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.

LAKES FEDERAL CREDIT UNION - Monticello, IN

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Introduction

Branch History & Mission

A Legacy of Growth

Join Us Today!

Our Mission

Branch Location & Accessibility

Get In Touch

Operating Hours

Parking and Accessibility

Services Offered

Member Eligibility

Business Banking & Commercial Services

Merchant Services That Work for You

Tailored Loan Options

Comprehensive List Of Services

Convenient Access When You Need It

Financing Your Dreams

Join Us Today!

Personal Banking Made Easy

Supporting Local Businesses

Digital & Online Banking

Key Features

Security and Ease of Use

Financial Strength

Commitment to Growth

Member-Centric Savings

Operational Efficiency

Strong Financial Health

Trust in Numbers

Loan Offering

Auto Loans

Credit Lines

Mortgage Loans

Unsecured Credit Card Loans

Loan Aggregator

Benefits of Using LendMesh

How LendMesh Ensures Accurate Loan Comparisons

Take Action

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