Land of Lincoln Credit Union Decatur IL | Low Mortgage Rates & Business Banking

Introduction

Welcome to Land Of Lincoln, your trusted community credit union located at 3130 E Mound Rd, Decatur, IL 62526. Since our establishment in 1947, we have proudly served our members with dedication and care, building a strong foundation of trust over the years. Today, we are thrilled to support over 38,700 members with total assets amounting to an impressive $470,088,144. At Land Of Lincoln, we understand that every member is unique, which is why we offer a variety of financial services tailored to meet your needs. Whether you're looking for personal banking options like checking and savings accounts or need assistance with auto loans and mortgages, we have you covered. Our commitment extends beyond transactions; we're here to empower you on your financial journey. Our team of 150 employees, led by CEO Robert Ares and Board President Antonio Brown, is dedicated to providing personalized service that makes banking easy and accessible. We invite you to visit us during our convenient hours or give us a call at 217-875-3823 for any inquiries. If you prefer sending official correspondence, please direct it to our mailing address at PO Box 3310, Decatur, IL 62524. Join us today and experience the difference that community-focused banking can make in your life! Visit our website at llcu.org for more information on how we can assist you.

Branch History & Mission

Welcome to Land Of Lincoln, a credit union with a rich legacy and a commitment to serving the community of Decatur, Illinois. Established in 1947, we have proudly evolved from our humble beginnings into a thriving financial institution that now serves over 38,708 members. With total assets amounting to an impressive $470,088,144, we remain dedicated to providing exceptional financial services while fostering strong community ties. Located at 3130 E Mound Rd, Decatur, IL 62526, our branch is easily accessible and close to local landmarks that make our community vibrant. While members can visit us at this address for all their banking needs, official correspondence should be directed to PO Box 3310, Decatur, IL 62524. At Land Of Lincoln, our mission is clear: we strive to empower individuals and families by offering a wide range of financial services that meet their needs. From personal banking options like checking and savings accounts to vehicle financing and mortgage loans, we aim to simplify your financial journey. We also provide business banking solutions and online resources for convenient access to your accounts anytime, anywhere. Our commitment goes beyond just banking; we believe in giving back to the community that supports us. Through various outreach programs and partnerships, we actively contribute to local initiatives that uplift our neighbors and improve quality of life in Decatur. In today's fast-paced world, we've embraced digital advancements without losing sight of personal service. Our branch offers ADA-compliant facilities along with drive-thru banking for quick transactions. With ATM availability and shared service centers, accessing your funds has never been easier. Our team of dedicated staff members is here to help you navigate your financial goals with personalized support. Whether you're looking for advice on loans or assistance with online banking features such as mobile payments and e-statements, we're just a phone call away at 217-875-3823. Join us today at Land Of Lincoln! Experience firsthand how our member-focused approach makes a difference in the lives of individuals and families within our community. Together, we can build a brighter financial future for everyone in Decatur. Visit us online at Land Of Lincoln or come see us in person your journey toward financial empowerment starts here!

Branch Location & Accessibility

Banking Services at Your Fingertips

At Land of Lincoln Credit Union, we provide a wide array of services tailored just for you. From personal banking options like checking and savings accounts to auto loans and mortgages, we've got your financial needs covered. Plus, enjoy the convenience of our drive-thru service for quick transactions without leaving your car. While you can reach us at our branch address for all your banking needs, please send any official correspondence to PO Box 3310 in Decatur if it differs from your visit.

Easy Access and Parking

Finding us is simple, and we offer ample parking space to ensure you can quickly get in and out. Our branch is fully ADA compliant, featuring ramps and accessible entrances for all our members.

Get in Touch!

Have questions or need assistance? Don't hesitate to give us a call at 217-875-3823. We look forward to welcoming you at our Mound branch soon!

Operating Hours that Fit Your Schedule

We understand that life can be busy, which is why our operating hours are crafted to suit your needs. You can visit us from 8:00 AM to 5:30 PM on Mondays, Tuesdays, Thursdays, and Fridays, with Wednesday hours from 9:00 AM to 5:00 PM. Whether you need to handle daily banking or meet with a representative, we're here for you.

Member Eligibility

At Land Of Lincoln, we believe that becoming a member is about joining a caring community where you can thrive financially. If you're looking to join us at our Decatur location, located at 3130 E Mound Rd Decatur Il 62526, we welcome individuals who live, work, worship, or attend school in Macon County. This means that whether you're just starting out or seeking to enhance your financial journey, there's a place for you here. Not only will you gain access to a variety of personal banking services tailored to your needs, but you'll also enjoy the benefits of being part of a member-focused organization dedicated to supporting your financial goals. Getting started is simple! You can find all the details about eligibility and how to become a member by visiting our website at https://www.llcu.org/banking/become-a-member/. When you're ready to open an account, check out the easy steps outlined here: https://www.llcu.org/loans/apply-for-a-loan/. Should you have any questions or need assistance, feel free to give us a call at (217) 875-3823 we're here to help you every step of the way!

Business Banking & Commercial Services

Merchant Services That Matter

In addition to loans, our merchant services simplify payment processing so you can focus on what you do best running your business. Whether you're taking payments in-store or online, our reliable solutions ensure you never miss a sale. Think about how easy it could be to manage transactions and keep your cash flow healthy with tools designed specifically for busy entrepreneurs. Located at 3130 E Mound Rd Decatur Il 62526 in Decatur, IL, our team is ready to partner with you on your journey toward success. Reach out today at (217) 875-3823 to learn more about how we can help your business grow!

Our Lending 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

ATM & Cash Withdrawal Services

Need cash in a hurry? With our ATM & Cash Withdrawal Services, accessing your money has never been easier. Our ATMs are available around-the-clock for quick withdrawals and balance checks.

Auto Loans & Vehicle Financing

If you're in the market for a new car, our Auto Loans & Vehicle Financing options can help get you on the road without breaking the bank. We offer competitive rates and flexible terms, making it easier for you to finance the vehicle you've always wanted.

Business Banking Services

For entrepreneurs and business owners, we offer comprehensive Business Banking solutions including merchant services and business loans. We know how important it is to have reliable financial support when running a business, so let us help you thrive!

Credit Cards with Rewards

Our Credit Cards with Rewards program lets you earn points on everyday purchases. Use your card for groceries or gas and watch the rewards stack up perfect for those who love to travel or enjoy dining out.

Drive-Thru and Shared Branch Transactions

If you're looking for simple banking solutions on-the-go, take advantage of our Basic Drive-Thru Banking which includes deposits and withdrawals without leaving your car. We also offer Basic Shared Branch Transactions, allowing members from partner credit unions to conduct essential banking tasks at our location. At Land Of Lincoln, we strive to make banking accessible and straightforward for everyone in our community. If you're ready to explore these services or have questions about how they can work for you, don't hesitate to reach out! Give us a call at (217) 875-3823, or visit us online at Mound. Your financial journey starts here!

Mortgage Loans & Refinancing

Looking to buy a home or refinance your existing mortgage? Our Mortgage Loans & Refinancing services can guide you through the process. Picture yourself in your dream home, knowing that you've secured a great rate with personalized service from our team.

Online & Mobile Banking Convenience

In today's fast-paced world, convenience is key. That's why we provide robust Online & Mobile Banking features that allow you to manage your accounts anytime, anywhere. Check balances, transfer funds, or pay bills all from the palm of your hand.

Personal Banking Solutions

For those looking for everyday banking options, we offer Personal Banking services that include checking and savings accounts tailored to fit your lifestyle. Imagine easily managing your finances with an account that offers both flexibility and security. Whether you're saving for a dream vacation or just need a reliable checking account for daily expenses, we've got you covered.

Personal Loans & Debt Consolidation

Life can be unpredictable, and sometimes unexpected expenses arise. That's where our Personal Loans & Debt Consolidation options come into play. Whether you're dealing with medical bills or planning a major purchase, we can help you find the right loan solution tailored to your circumstances.

Digital & Online Banking

Accessibility and Security

At Land Of Lincoln, we prioritize your security as much as your convenience. With robust encryption protocols in place, you can rest assured that your personal information is safe while banking online or through our mobile app. Join us at Land Of Lincoln for a banking experience that keeps pace with your lifestyle. Explore all these features and more by visiting https://www.llcu.org/ today!

Key Features

Our digital banking services come with several features that enhance both ease of use and security. For instance, you can easily sign documents with our electronic signature authorization, making transactions quick and hassle-free. We also provide e-statements, so you can go paperless and keep track of your finances more efficiently. If you're always on the move, you'll love our mobile application. It allows you to manage your accounts right from your smartphone. Need to send money to a friend? Our person-to-person transfers make it easy to split bills or pay back loans in seconds. And for those who prefer mobile payments, we offer secure options that let you pay directly from your phone.

Financial Strength

Commitment to Excellence

Our $0 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 136 full-time employees and 14 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Growing Membership

Total Share and Deposit Accounts stand at 68,847, showcasing a strong and growing member base that trusts us with their finances. With net shares available for lending and investments amounting to $0, we're well-positioned to meet your needs. 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 3130 E Mound Rd Decatur Il 62526 or call (217) 875-3823 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.

Reinvestment for Improvement

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 across various sectors with $7,038 in used auto loans and $317,174,701 in total loans and leases.

Strong Financial Health

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 also provide refinancing options for those looking to lower their monthly payments or access cash from their current vehicles.

Business Loans

For business owners looking to grow their operations, our outstanding commercial loans totaling $51,119,243 provide the capital needed to expand and succeed. At Land Of Lincoln Credit Union, we strive to empower our members through tailored lending solutions. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results. Whether you're ready to apply or just want more information about eligibility options and refinancing opportunities, visit us online at llcu.org or give us a call!

Credit Lines and Unsecured Loans

For added flexibility in managing everyday expenses or unexpected costs, we offer total credit lines amounting to $56,126,154. Additionally, our unsecured credit card loans total $13,505,932, providing you with the means to handle emergencies or make purchases without the need for collateral.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $17,515,488, making buying or refinancing simple. We work with you to find terms that fit your budget and lifestyle.

Loan Aggregator

Benefits of Using LendMesh

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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), ensuring fair and transparent offers. By working only with reputable lenders, LendMesh guarantees that users receive accurate information regarding interest rates and terms.

Land Of Lincoln