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

Introduction

Welcome to Land Of Lincoln, a trusted credit union dedicated to serving our community in Decatur, IL. Established in 1947, we have proudly supported 38,708 members with their financial needs over the decades. Our branch, located at 4850 E Prosperity Place, Decatur, IL 62521, is more than just a financial institution; it's a place where you can build your future and achieve your dreams. At Land Of Lincoln, we understand that every member's journey is unique. That's why we offer a variety of services tailored to meet your needs, whether you're looking for personal banking options like checking and savings accounts or seeking financing through auto loans and mortgages. With total assets of $470,088,144 and total deposits reaching $21,009,860, we are committed to ensuring your money is safe and working hard for you. Our leadership team is here to guide you on your financial path. Under the direction of CEO Robert Ares and Board President Antonio Brown, our dedicated staff of 150 employees strives to create a welcoming environment where your financial goals take center stage. We believe in fostering strong relationships with our members and the community. While you can visit us at our branch for all your banking needs, if you need to send official correspondence, please use our mailing address: P O Box 3310, Decatur, IL 62524. We invite you to explore everything we have to offer by visiting our website at llcu.org or calling us at (217) 864-3030. Join us today and discover how Land Of Lincoln can help pave the way toward a brighter financial future!

Branch History & Mission

Community Focus

As part of our commitment to community engagement, Land Of Lincoln actively participates in outreach programs and partnerships that benefit local organizations. Whether it's sponsoring events or collaborating with schools for financial education workshops, we are dedicated to making a difference right here in Decatur. For those looking for convenience, we offer modern banking solutions including online and mobile banking services, allowing members to manage their finances anytime, anywhere. Our branch is fully ADA compliant and equipped with an ATM for easy access to cash, along with drive-thru services for quick transactions. While members can visit us at 4850 E Prosperity Place for all their banking needs, official correspondence should be sent to P O Box 3310, Decatur, IL 62524 if needed.

Join Us

As we continue this journey together, we invite you to become part of the Land Of Lincoln family. Experience firsthand how we prioritize your needs while making a lasting impact on the community. Visit us today or call us at (217) 864-3030 to learn more about how you can benefit from joining Land Of Lincoln. Together, let's build a brighter future!

Our Mission

At the core of Land Of Lincoln's mission is a commitment to enhancing the lives of our members through exceptional service and support. We strive to offer a range of services from personal checking and savings accounts to auto loans and mortgage refinancing tailored to meet the diverse needs of our community. But our impact goes beyond banking; we are devoted to fostering financial literacy and supporting local initiatives that strengthen Decatur. We understand that every member's journey is unique. That's why we focus on personalized service, ensuring that each interaction leaves a positive mark. We believe in empowering our members with the tools they need to achieve their financial goals while also contributing positively to the broader community.

Branch Location & Accessibility

Convenient Access and Features

Our branch address puts us right in the heart of Decatur, surrounded by local landmarks that make it easy to find us. If you need to send official correspondence, please note that our mailing address is P O Box 3310, Decatur, IL 62524. We understand that accessibility is important. That's why we have features like ADA-compliant entrances and ample parking available for your convenience. Plus, if you're on the go, enjoy the ease of our drive-thru banking service for quick transactions without leaving your vehicle.

Exceptional Services Await

At Land Of Lincoln Credit Union, we offer a variety of financial services tailored to meet your needs. From personal checking and savings accounts to auto loans and credit cards with rewards, we've got you covered. We also provide online and mobile banking options for those who prefer managing their finances on the go.

Friendly Operating Hours

We're here to serve you with flexible operating hours designed to fit your busy schedule. Our lobby hours are Monday, Tuesday, Thursday, and Friday from 8:30 AM to 5 PM; Wednesday from 9 AM to 5 PM; and Saturday from 8:30 AM until noon. The drive-thru is open slightly longer during weekdays until 5:30 PM and until noon on Saturdays as well.

Let’s Connect!

Ready to experience all that we have to offer? Feel free to give us a call at 217-864-3030 if you have any questions or would like more information about our services. We look forward to welcoming you at our branch!

Member Eligibility

Becoming a member of Land Of Lincoln is like joining a warm and welcoming family that truly cares about your financial well-being. We believe in making banking personal and accessible, so if you live, work, or worship in the area around 4850 E Prosperity Place Decatur Il 62521, you're likely eligible to join us! Additionally, we invite immediate family members of existing members to become part of our community as well. By choosing Land Of Lincoln, you'll gain access to a range of benefits designed to support your financial goals, from competitive loan rates to personalized service that you won't find at traditional banks. Ready to get started? Opening an account with us is simple and straightforward! You can find detailed eligibility criteria and learn more about the application process by visiting https://www.llcu.org/banking/become-a-member/. If you have any questions or need assistance, don't hesitate to give us a call at (217) 864-3030. We're excited to help you take this important step towards better banking!

Business Banking & Commercial Services

Merchant Services That Matter

Imagine running your business without the hassle of complicated payment processing. Our merchant services make it easy for you to accept payments securely and efficiently, allowing you to focus on what you do best serving your customers and growing your business. Located at 4850 E Prosperity Place Decatur Il 62521, Decatur, IL 62521, we invite you to visit us or call (217) 864-3030 to explore how our business banking solutions can empower your success. Let's work together to turn your ambitions into reality!

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

Business Banking Services

For local businesses in need of financial support, we provide specialized Business Banking services. Whether you're interested in Merchant Services or need assistance with Business Loans, we've got you covered. We know that running a business comes with its own set of challenges, and we're here to partner with you on this journey.

Connect With Us

We invite you to explore all these services and more at Prosperity. Whether you're stopping by for a quick transaction or looking for long-term financial solutions, we are here to assist you with friendly service and expert advice. If you have any questions or would like more information about our offerings, please give us a call at (217) 864-3030. Your financial wellness is our priority at Land Of Lincoln, and we look forward to serving you! Visit us today!

Convenient Access

To make banking even easier for our members, we offer various withdrawal options including access to ATMs and cash withdrawal services. Our Basic Drive-Thru Banking allows for quick deposits and withdrawals without leaving your car, perfect for those busy days when you're on the go. Additionally, if you're a member of another credit union, take advantage of our Basic Shared Branch Transactions, where you can make deposits and withdrawals as if you were at your own branch.

Personal Banking Solutions

When it comes to managing your finances, we offer Personal Banking options that include checking and savings accounts tailored to fit your lifestyle. Imagine having easy access to your funds through our Online & Mobile Banking platforms, allowing you to check balances, transfer money, and pay bills right from your smartphone. Our digital banking features ensure that you can manage your finances conveniently, anytime and anywhere. If you're considering purchasing a vehicle, our Auto Loans & Vehicle Financing options make it simple and affordable. We understand how important reliable transportation is for daily life. For those looking to own a home or refinance their current mortgage, we provide comprehensive Mortgage Loans & Refinancing services that can help you achieve your dream of homeownership. Additionally, if you're facing unexpected expenses or planning a big purchase, our Personal Loans & Debt Consolidation services are here to help you manage those costs effectively. Plus, don't forget about our rewarding Credit Cards with Rewards, which offer great benefits for everyday spending.

Digital & Online Banking

Convenience at Your Fingertips

Do you love mobile payments? With our service, you can make purchases directly from your phone with ease. Whether you're grabbing coffee or shopping online, it's a simple way to pay without carrying cash or cards. At Land Of Lincoln, we're committed to providing you with user-friendly tools that help you manage your money effectively. Discover the convenience of modern banking today by visiting us online at https://www.llcu.org/!

Security and Ease-of-Use

Your security is our top priority. We utilize electronic signature authorization to ensure that all transactions are safe and secure. This means you can confidently approve documents and complete transactions without any worries. Our e-statements provide an eco-friendly way to keep track of your finances without the clutter of paper statements. You can access them anytime, making it easier than ever to stay organized.

Financial Strength

At Land Of Lincoln, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are proud to share our robust financial position, which reflects our commitment to serving you with confidence. 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. 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. 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 supports your financial goals with $7,038 in used auto loans and $317,174,701 in total loans and leases. Our operational efficiency is evident with a reported net income of $0, enabling 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, ensuring our branches are always ready to serve you with a knowledgeable, committed team. In summary, our net shares (funds available for lending and investments) stand at $0, while our total share accounts number an impressive 68,847, 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, Land Of Lincoln is your trusted partner. Visit us at 4850 E Prosperity Place Decatur Il 62521 or call (217) 864-3030 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.

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. Whether you need financing for a new vehicle or a reliable used one, we have options tailored for your budget.

Credit Lines

For those looking for additional flexibility in their finances, our credit lines totaling $56,126,154 provide an excellent safety net for unexpected expenses or planned purchases. These lines are designed to help you control your spending while keeping your finances manageable.

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 provide flexible terms and guidance through the entire process so you can feel confident in your investment.

Refinancing Options

If you're already holding a loan elsewhere but want to explore better rates or terms, we offer refinancing options that may save you money each month. Speak with one of our loan specialists to see if you qualify for lower rates based on current market conditions. For more information or to discuss eligibility options, please call us at 217-864-3030. We're here to help you navigate your borrowing needs and ensure that you find the right product for your situation. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

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 allows you to make purchases without needing collateral while enjoying competitive interest rates.

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. This tool is designed for those who want to make informed decisions without the confusion that often accompanies loan shopping. LendMesh ensures accurate loan comparisons by sourcing data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards. This approach guarantees that users receive fair and transparent offers based on the latest results (Source: https://www.ncua.gov). By working only with verified financial institutions, LendMesh builds trust and reliability into every comparison. One of the standout features of LendMesh is its commitment to providing verified data. All loan offers are sourced from legitimate financial institutions, ensuring transparency in the rates presented to users. Unlike many comparison tools, LendMesh does not prioritize lenders based on paid promotions. This means users can expect no sponsored listings, allowing them to explore options without bias. Additionally, LendMesh offers real-time rate comparisons. Users benefit from up-to-date loan rates from multiple institutions, making it easier to find the best deal that suits their needs. This feature is crucial in a dynamic market where rates can change frequently. 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 highlight the effectiveness of the platform in delivering valuable insights to borrowers. 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