Land of Lincoln Credit Union Centralia IL | Affordable Auto Loans & Business Banking

Introduction

Welcome to Land Of Lincoln, your trusted financial partner located at 234 N Poplar St, Centralia, IL 62801. Established in 1947, our credit union has been dedicated to serving the community and building strong relationships with our members. With a total membership of 38,708, we take pride in offering personalized services that cater to your unique financial needs. At Land Of Lincoln, we understand that managing your finances can be challenging. That's why we are here to provide you with a range of financial products and services designed to help you achieve your goals. Our total assets stand at an impressive $470,088,144, ensuring that we have the resources to support our members effectively. Whether you're looking for auto loans, mortgages, or personal loans, we've got you covered. Our commitment extends beyond just numbers; it's about making a difference in our community. With $21,009,860 in total deposits and a solid net worth of $44,746,556, we are well-positioned to offer competitive rates and reliable services. Additionally, our team of 150 employees is here to assist you every step of the way. While members can visit us at 234 N Poplar St, official correspondence should be sent to the same address for your convenience. If you have any questions or need assistance, don't hesitate to reach out at (618) 533-1233. You can also explore more about what we offer by visiting our website at www.llcu.org. Join us in creating a brighter financial future together!

Branch History & Mission

Community Commitment

Land Of Lincoln isn't just about banking; it's about building relationships. We actively engage in community outreach programs that help uplift local initiatives and provide support where it's needed most. Whether through partnerships with local organizations or hosting events aimed at fostering financial literacy, we strive to make a positive impact in Centralia and beyond. In addition to our traditional services, we've embraced digital advancements to enhance member experiences. With online banking, mobile payments, and e-statements available, managing your finances has never been easier or more secure.

Join Us!

As we continue this journey together with our valued members and the community at large, we invite you to experience the benefits of being part of Land Of Lincoln. If you're looking for a financial partner who truly cares about your success and well-being, look no further! Reach out today at 618-533-1233 or visit us online at Land Of Lincoln to learn more about becoming a member. Together, let's build a brighter future!

Our Mission

Our mission at Land Of Lincoln is simple yet powerful: to empower our members through exceptional financial services while actively contributing to the well-being of the communities we serve. We believe that everyone deserves access to fair and transparent banking options. That's why we offer a wide range of products including checking and savings accounts, auto loans, mortgages, personal loans, and business banking solutions. While members can visit us at our Centralia location for all their banking needs, official correspondence should be sent to the same address: 234 N Poplar St, Centralia, IL 62801. We are also dedicated to being accessible and accommodating to all. Our branch features drive-thru banking for convenience and provides ATM services for quick cash access. Our operating hours from 8:30 AM to 4:00 PM on weekdays ensure that you can reach us when you need assistance.

Branch Location & Accessibility

Welcome to the Land of Lincoln branch, conveniently located at 234 N Poplar St in Centralia, IL. Our branch is designed with your needs in mind, providing easy access to a variety of financial services right in the heart of Marion County. Whether you're stopping by for personal banking or need assistance with loans, our friendly staff is here to help. For those who may not be familiar with the area, we're just a short drive from popular landmarks like Centralia High School and the historic Centralia Square. Parking is readily available, and we ensure our facilities are accessible for everyone, including those needing ADA-compliant features. While members can visit us at 234 N Poplar St, official correspondence should be sent to the same address as there is no separate mailing location. We're open Monday through Friday from 8:30 AM to 4:00 PM, making it convenient for you to stop by after work or during your lunch break. Our branch also offers a drive-thru service for quick transactions such as deposits and withdrawals without leaving your vehicle. Plus, you can take advantage of our ATM availability any time you need cash. If you're a member of a partner credit union, you'll find shared services available for your convenience as well. If you have any questions or want to learn more about what we offer, don't hesitate to call us at 618-533-1233. We look forward to welcoming you to the Land of Lincoln branch!

Member Eligibility

At Land Of Lincoln, we believe that everyone deserves a place in our welcoming community. Becoming a member is not just about opening an account; it's about joining a family that cares about your financial well-being. To become part of our community, you simply need to meet some friendly eligibility criteria. If you live or work in the areas we serve, or if you're related to someone who is already a member, you're likely eligible! We encourage you to check out the detailed eligibility information at https://www.llcu.org/banking/become-a-member/ for the most up-to-date details. Opening an account with us is straightforward and designed to be as inclusive as possible. You can start your journey by visiting us at our branch located at 234 N Poplar St Centralia Il 62801 or give us a call at (618) 533-1233 for any questions. We're here to help guide you through every step of the process! Joining Land Of Lincoln means you'll gain access to great products and services tailored just for you, so don't wait take the first step toward a brighter financial future today! For more details on how to open an account, please visit https://www.llcu.org/loans/apply-for-a-loan/.

Business Banking & Commercial Services

Commercial Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $227 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $14 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $51,119,243, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

But it's not just about loans. Our merchant services offer practical solutions that make everyday transactions easier for you. Imagine being able to process payments seamlessly while managing your finances from one platform. This not only saves time but also enhances customer satisfaction, making it easier for your business to grow. Located at 234 N Poplar St Centralia Il 62801 in Centralia, IL, we invite you to visit us or call us at (618) 533-1233 to discover how we can assist you on your journey to success. Together, let's build a brighter future for your business!

Comprehensive List Of Services

ATM and Drive-Thru Services

Need quick cash or want to conduct simple transactions? Our ATM services are available around the clock for withdrawals and balance checks. Additionally, our drive-thru service provides basic banking transactions like deposits and withdrawals without leaving your vehicle.

Business Banking Services

For our entrepreneurial members, we understand that managing finances can be challenging. That's why we offer comprehensive business banking solutions, including merchant services and business loans designed to fuel your growth. Imagine having the financial tools necessary to take your business idea from concept to reality.

Community Support

As part of our commitment to serving our members, we also facilitate shared branch transactions, allowing members from partner credit unions access to deposit and withdrawal services at our location. At Land Of Lincoln, we're committed to making banking accessible and straightforward for everyone in our community. If you'd like to learn more about any of these services or if you're ready to get started on your financial journey with us, don't hesitate to reach out! You can contact us at (618) 533-1233 or visit us at 234 N Poplar St Centralia Il 62801. Explore how we can serve you better today!

Convenient Digital Banking

In today's fast-paced world, convenience is key. That's why Land Of Lincoln offers robust online and mobile banking features that allow you to manage your finances anytime, anywhere. With services such as mobile payments, person-to-person transfers, and e-statements, staying on top of your finances has never been easier.

Home Financing

Purchasing a home is one of the biggest decisions you'll ever make, and at Land Of Lincoln, we want to be there for you. Our mortgage loans and refinancing services are tailored to help you navigate the home-buying process smoothly. We work with you to find the right mortgage solution that fits your budget, making homeownership attainable.

Personal Banking Solutions

For those seeking everyday banking, we provide a variety of personal banking services, including checking and savings accounts that fit your lifestyle. Imagine having easy access to your funds while earning interest on your savings our accounts are structured to support both daily transactions and long-term growth. If you're in the market for a new vehicle or need to refinance an existing loan, our auto loans and vehicle financing options can make those dreams a reality. Picture yourself driving off in that new car, knowing you secured the best rates with our competitive auto loans.

Personal Loans and Credit Options

Life can throw unexpected expenses your way, which is why we offer personal loans and debt consolidation options. Whether it's a medical bill or home improvement project, our loans are designed to help you manage those costs without added stress. Plus, our credit cards with rewards give you the chance to earn while you spend enjoying perks like cashback or travel points!

Digital & Online Banking

Key Services

Our online banking portal, available at https://www.llcu.org/, allows you to check balances, pay bills, and transfer funds with just a few clicks. You can also enjoy the benefits of e-statements, making it easy to keep track of your financial history without the clutter of paper statements. Plus, with electronic signature authorization, signing important documents has never been simpler no need to visit the branch in person. Need to send money to friends or family? Our person-to-person transfer feature lets you quickly send funds directly from your account. Additionally, if you're on the go, our mobile application keeps all these features accessible right from your smartphone. You can even make mobile payments effortlessly.

Security and Accessibility

We take your security seriously. All transactions are protected with advanced encryption technology to ensure your personal information remains safe. Our 24/7 online banking services mean you can manage your money whenever it suits you best. With easy access to account management tools and real-time updates, you'll always be in control of your finances. Whether you're at home or out and about, Land Of Lincoln ensures that banking is as simple as possible for you. Discover how our digital banking solutions can enhance your financial experience by visiting https://www.llcu.org/ today!

Financial Strength

Continuous Growth and Investment

With $42,818,683 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. This commitment to growth is reflected in our lending capacity: we have $7,038 in used auto loans and $317,174,701 across total loans and leases available to support your financial goals across various sectors.

Growing Trust Among Members

Trust is key in the credit union world, and it shows through our strong member base with a total of 68,847 accounts. This indicates that more people are choosing Land Of Lincoln for their financial needs, reinforcing our commitment to serving you effectively. In conclusion, our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Land Of Lincoln is your trusted partner. Visit us at 234 N Poplar St Centralia Il 62801 or call (618) 533-1233 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.

Member-Centric Approach

We prioritize our members above all else. Members' savings are secured through $110,046,793 in share certificates and $46,044,133 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we focus on using our resources to benefit you directly our non-member deposits stand at $3,314,573, which means that our efforts are dedicated to improving your financial experience.

Operational Efficiency

Our operational efficiency is highlighted by our positive $0. This allows us to keep providing competitive loan rates and solid financial products tailored for our members. We also take pride in having 136 full-time employees and 14 part-time employees who are ready to serve you with a knowledgeable, committed team.

Solid Financial Foundation

With a net worth of $44,746,556, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $951 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 $102,901,325 in used vehicle loans and $24,348,754 in new vehicle loans already helping members get on the road. We provide financing options that fit your budget, whether you're purchasing a new or used vehicle.

Business Loans

For business owners, our outstanding commercial loans totaling $51,119,243 provide the capital needed to grow and expand. We understand that every business has different needs, and our team is ready to assist you in finding the right financing solution. At Land Of Lincoln, we also offer refinancing options for many of our loan products. If you're looking to lower your monthly payments or change your loan terms, we're here to guide you through the eligibility requirements and application process. We invite you to explore these loan offerings further by visiting our website at https://www.llcu.org/ or by calling us directly at (618) 533-1233. Let us help you take the next step towards achieving your financial aspirations. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $17,515,488, make buying or refinancing simple. Our competitive rates and flexible terms are designed to ease the process of securing your dream home.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $13,505,932 in loans helping members manage their finances effectively. This option provides a convenient way to cover unexpected expenses while enjoying the benefits of rewards programs.

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 helps users navigate their loan options with confidence. 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 the offers users see are fair and transparent. By prioritizing verified sources, LendMesh builds a trustworthy platform for consumers seeking loans. One of the standout features of LendMesh is its commitment to verified data. Loan offers come exclusively from legitimate financial institutions, which means users can trust the information presented. Additionally, LendMesh does not have sponsored listings; lenders are not prioritized based on paid promotions. This impartial approach guarantees that users receive unbiased results tailored to their needs. The tool also provides real-time rate comparisons, allowing users to access up-to-date loan rates from multiple institutions. This timely information empowers individuals to make informed decisions about their borrowing options. 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!" Such testimonials reflect the positive impact of using LendMesh as a reliable resource for loan shopping. 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.*

Land Of Lincoln