Land of Lincoln Credit Union Colchester IL | Affordable Auto Loans & Personal Banking

Introduction

Welcome to Land Of Lincoln, your trusted credit union located at 113 E Depot St, Colchester, IL 62326. Since opening our doors in 1947, we have been dedicated to serving our community and providing financial solutions tailored to meet the unique needs of our members. With a strong commitment to excellence and a focus on member satisfaction, we are proud to support over 38,708 members with a robust asset base of $470,088,144. At Land Of Lincoln, we understand that banking is not just about numbers; it's about building lasting relationships. Our team, led by CEO Robert Ares and Board President Antonio Brown, works tirelessly to ensure you receive personalized service and expert guidance in all your financial endeavors. Whether you're looking for auto loans, mortgage options, or personal banking services, we're here to help you every step of the way. With total deposits reaching $21,009,860 and a net worth of $44,746,556, our credit union stands strong and stable. We pride ourselves on our responsible lending practices, with a total of 20,056 loans and leases provided to our members. Plus, with more than 150 employees dedicated to serving you during our convenient hours Monday through Friday from 9:00 AM to 5:30 PM and Saturday from 9:00 AM to 12:00 PM we're always ready to assist you. While members can visit us at our branch address for all their banking needs, official correspondence should be sent to 113 E DEPOT ST, COLCHESTER, IL 62326-1254. If you're ready to take the next step towards achieving your financial goals or if you have any questions about our services, don't hesitate to reach out! Call us at (309) 776-3245, or explore more about what we offer at Land Of Lincoln's website. Join us today and experience the difference that community-focused banking can make!

Branch History & Mission

Welcome to Land Of Lincoln, your local credit union in the heart of Colchester, Illinois. Since our doors opened in 1947, we have been committed to serving our community with dedication and integrity. Over the years, we have grown from a small financial institution into a trusted partner for over 38,700 members, providing a wide array of financial services designed to meet the needs of individuals and families alike. Located at 113 E Depot St, Colchester, IL 62326, our branch is easily accessible and situated near several local landmarks that make it a convenient stop for all your banking needs. While members can visit us at this address, official correspondence should be sent to 113 E DEPOT ST, COLCHESTER, IL 62326-1254 if needed. Our mission at Land Of Lincoln is simple yet powerful: to enhance the financial well-being of our members while fostering community growth. We believe that when our members succeed, we all succeed. This commitment drives us to offer competitive products like personal banking accounts, auto loans, mortgage loans, and business banking services. Our total assets now stand at an impressive $470,088,144, reflecting our strong position in the financial landscape. In addition to providing traditional banking services, we are proud to offer modern conveniences such as online and mobile banking options, ensuring that you can manage your finances anytime and anywhere. Our drive-thru service enhances accessibility for those on the go, and our ATM availability allows for easy cash withdrawals without stepping inside. Over the years, we've embraced technology while maintaining a personal touch. We ensure that our facilities are ADA compliant so that everyone in our community can access our services comfortably. As part of our outreach efforts, we regularly engage with local organizations and events to give back to the community that supports us. Looking ahead, we invite you to join us on this journey of growth and opportunity. Experience firsthand the benefits of membership at Land Of Lincoln. Visit us today or explore more about becoming a member through our website here. Together, let's build a brighter financial future!

Branch Location & Accessibility

Convenient Hours and Services

We understand that life can get busy, which is why our operating hours are designed to fit your schedule. Join us Monday through Thursday from 9:00 AM to 4:00 PM, Friday from 9:00 AM to 5:30 PM, and Saturday from 9:00 AM to 12:00 PM. With a range of services available including personal banking, auto loans, mortgage financing, and more, we're equipped to help you with whatever you need. For those on the go, our drive-thru service is perfect for quick transactions like deposits and withdrawals without leaving your vehicle. Plus, our ATM is available for cash withdrawals and balance checks anytime you need it.

Easy Access and Parking

Our branch features ample parking right outside, making it easy for you to come and go. We prioritize accessibility with features like ADA-compliant ramps, ensuring that everyone can comfortably visit us. Whether you're driving through or stopping in, we're ready to serve you!

Get in Touch!

While members can visit us at our branch location, if you have any official correspondence, please send it to our mailing address at 113 E DEPOT ST, COLCHESTER, IL 62326-1254. If you have questions or want to learn more about how we can assist you today, don't hesitate to give us a call at 309-776-3245. We invite you to come see how the Land Of Lincoln Credit Union can be your trusted financial partner in Colchester!

Member Eligibility

At Land Of Lincoln, we believe that everyone deserves access to a supportive financial community. Becoming a member is simple and welcoming! If you live, work, worship, or attend school in the area, you're likely eligible to join us. We take pride in offering tailored services that help our members thrive financially. Our community-focused approach means you'll enjoy benefits like lower fees and competitive rates on loans and savings accounts, making it easier to reach your financial goals. To learn more about eligibility details, feel free to check out our website at https://www.llcu.org/banking/become-a-member/. When you're ready to become part of our family, opening an account is just a click away; visit https://www.llcu.org/loans/apply-for-a-loan/ for more information. If you have any questions or need assistance, don't hesitate to give us a call at (309) 776-3245. We're here to help you every step of the way!

Business Banking & Commercial Services

Merchant Services That Work for You

Imagine having a reliable partner that streamlines your payment processing while you focus on what you do best running your business. Our merchant services offer practical solutions that help manage transactions efficiently, ensuring you get paid faster and more securely. Located at 113 E Depot St Colchester Il 62326 in Colchester, IL, our team is ready to help you navigate the world of business banking. Whether you're just starting out or looking to grow, reach out to us at (309) 776-3245 today!

Tailored Loan Solutions

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.

Comprehensive List Of Services

Call To Action

We invite you to explore all that Land Of Lincoln has to offer! For any questions or additional information about our services, don't hesitate to call us at 309-776-3245. Let us partner with you on your financial journey today!

Credit Cards and Business Banking

For those who enjoy rewards while spending, we offer credit cards that come with great benefits designed to reward your loyalty. You can earn points on purchases which can be redeemed for various perks. If you're an entrepreneur or business owner, we haven't forgotten about you! Our business banking services include merchant services and business loans tailored to help your business thrive. We know how crucial it is to have reliable financial solutions when running a business.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why at Land Of Lincoln, we prioritize digital banking features. With online and mobile banking, managing your finances has never been easier. You can access your accounts anytime from anywhere using our user-friendly mobile application. Plus, our ATM services allow for quick cash withdrawals and balance checks without needing to visit the branch.

Drive-Thru and Cash Withdrawal Services

For members who prefer face-to-face interactions but value efficiency, our basic drive-thru service allows you to complete deposits, withdrawals, and simple transactions without leaving your car. We also have ATM access available for those quick cash needs. Whether you're stopping by during lobby hours (Monday through Thursday from 9:00 AM to 4:00 PM; Friday from 9:00 AM to 5:30 PM; Saturday from 9:00 AM to 12:00 PM) or visiting us online at llcu.org, we're here to assist you every step of the way.

Personal Banking

Starting with personal banking, we offer a variety of checking and savings accounts that fit your lifestyle. Our team is ready to help you choose the right account that will help you manage your day-to-day expenses and save for future goals. If you're thinking about buying a car or need a new vehicle, our auto loans and vehicle financing options make it easier than ever. You can drive off in the car of your dreams with competitive rates and flexible terms. Homeownership is also within reach through our mortgage loans and refinancing options. We understand how important it is to find the right home loan that works for you, so let us guide you through the process. Additionally, if you're facing unexpected expenses or want to consolidate debt, our personal loans can provide a much-needed financial cushion.

Digital & Online Banking

Access Your Accounts Anytime

Our robust online banking platform is available 24/7 at https://www.llcu.org/. Whether you're checking your balance, paying bills, or transferring money, everything is just a click away. You can also enjoy the ease of mobile banking with our user-friendly mobile application. This means you can handle your banking on the go perfect for busy lifestyles!

Convenient Payment Options

Need to send money to friends or family? Our person-to-person transfer service makes it simple and quick. And if you're someone who loves using your phone for payments, our mobile payments feature allows you to pay directly from your device no wallet necessary! At Land Of Lincoln, we are committed to providing you with accessible and easy-to-use digital banking solutions that fit into your life seamlessly. Join us today and discover how our online services can enhance your banking experience!

Secure Transactions Made Easy

Security is our top priority. We provide electronic signature authorization for transactions, allowing you to sign documents securely without the hassle of printing and mailing. Plus, with features like e-statements available, you can easily access your statements online while reducing paper clutter.

Financial Strength

Growing Community Trust

With total share accounts reaching 68,847, it's clear that our member base trusts us with their finances. Our net shares available for lending stand at $0, showcasing our commitment to being a reliable partner in your financial journey. 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 113 E Depot St Colchester Il 62326 or call (309) 776-3245 to learn more about how we can help you achieve your financial goals.

Member-Focused Savings

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 prioritize our members. With non-member deposits at $3,314,573, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our operational efficiency is reflected in our $0, which enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 136 full-time employees and 14 part-time employees dedicated to providing exceptional service at every level.

Reinvestment for Growth

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. Our lending capacity is also impressive; we have $7,038 in used auto loans and $317,174,701 in total loans and leases to support your financial goals across various sectors.

Solid 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 flexible terms and competitive interest rates to ensure you find a loan that fits your budget.

Credit Lines and Business Loans

For those needing additional flexibility, our total credit lines amount to $56,126,154, providing quick access to funds when you need them most. Additionally, for business owners, our outstanding commercial loans totaling $51,119,243 provide the capital needed to grow and expand your operations. If you're interested in refinancing any existing loans or would like more information about eligibility options for our products, feel free to contact us at 309-776-3245 or visit us at 113 E Depot St Colchester IL 62326. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. We invite you to explore our loan offerings further by visiting our website at Land Of Lincoln. Take the first step toward achieving your financial aspirations today!

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. We offer guidance through the process to help you secure the right mortgage that meets your needs.

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 is perfect for those who want to make purchases without using collateral and enjoy greater control over their spending.

Loan Aggregator

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Ensuring 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 means that every loan offer you see is backed by legitimate financial institutions committed to fair and transparent lending practices. By using verified data, LendMesh assures users that they are viewing accurate and up-to-date loan information.

Land Of Lincoln