Land of Lincoln Credit Union Effingham IL | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Land Of Lincoln, your trusted partner in personal and community banking, located at 2302 S Banker St, Effingham, IL 62401. Since our establishment in 1947, we have proudly served our members with a commitment to reliability and excellence. With a total membership of 38,708 and assets totaling an impressive $470,088,144, we are dedicated to providing financial solutions that make a difference in the lives of our community. At Land Of Lincoln, we believe in the power of community. Our friendly team is here to offer personalized services ranging from checking and savings accounts to auto loans and business banking options. We understand that financial needs can vary greatly from one member to another, which is why we strive to tailor our offerings to fit your unique circumstances. Under the guidance of our CEO, Robert Ares, and Board President, Antonio Brown, we have built a strong foundation rooted in trust and transparency. Our skilled staff comprising 150 employees is always ready to assist you with any questions or concerns you may have. While you can visit us at our Effingham branch for all your banking needs, official correspondence should be sent to our mailing address: PO Box 3310, Decatur, IL 62524. Whether you're looking for a loan or simply want to explore your options, we're just a phone call away at 217-342-7077. Join us at Land Of Lincoln today! Explore our comprehensive range of services by visiting our website at www.llcu.org or stop by the branch to experience firsthand how we can help you achieve your financial goals. Your journey towards better banking starts here!

Branch History & Mission

At Land Of Lincoln, we pride ourselves on a rich legacy that began in 1947 when we first opened our doors in Effingham, IL. Since then, our commitment to providing exceptional financial services has only grown, as reflected in our total membership of over 38,000 and assets amounting to a robust $470,088,144. Located at 2302 S Banker St, Effingham, our branch serves as a vital resource for the community and is easily accessible to all members. Over the years, Land Of Lincoln has evolved significantly. We have embraced digital advancements while ensuring our services remain ADA compliant and customer-friendly. Our operating hours are designed to accommodate your busy schedule: Monday, Tuesday, Thursday, and Friday from 8:30 AM to 5 PM for lobby services, with drive-thru hours extending until 5:30 PM. On Wednesdays, we open the lobby at 9 AM but still provide drive-thru access starting at 8 AM. Our mission is simple yet powerful: to empower our members through financial education and support while fostering strong community ties. We believe in offering more than just basic banking services; we aim to make a real impact in the lives of those we serve. This commitment is evident not only through our wide range of products including personal banking accounts, auto loans, mortgage options, and business banking services but also through partnerships and community outreach efforts that enhance the quality of life in Effingham. While members can visit us at 2302 S Banker St Effingham Il 62401, official correspondence should be sent to PO Box 3310, Decatur, IL 62524. Additionally, we are proud to offer ATM availability and drive-thru banking for your convenience. We invite you to join us at Land Of Lincoln and experience firsthand how we can assist you with your financial needs while contributing positively to our community. For any inquiries or assistance, feel free to reach out at 217-342-7077. Together, let's build a brighter financial future!

Branch Location & Accessibility

Convenient Access and Amenities

At our Effingham location, we prioritize accessibility for all members. You'll find ample parking available, along with features that cater to everyone, including ADA-compliant ramps for easy entry. Whether you're stopping by for a quick transaction or need assistance with more complex banking services, our staff is ready to help.

Get in Touch

Have questions? Don't hesitate to reach out! You can call us at 217-342-7077. We look forward to welcoming you into the Land Of Lincoln Credit Union family. Stop by today and experience the friendly service that sets us apart!

Operating Hours

We understand that your time is valuable. That's why we offer flexible operating hours! Visit us Monday, Tuesday, Thursday, and Friday from 8:30 AM to 5 PM, or swing by on Wednesday when we open a little later at 9 AM and close at 5 PM. For those who prefer drive-thru services, you can take advantage of our drive-thru hours from 8 AM to 5:30 PM on weekdays (and until 5 PM on Wednesdays).

Services Offered

Our branch provides a variety of services tailored to meet your financial needs. Whether you're looking for checking and savings accounts, auto loans, mortgages, personal loans, or credit cards with rewards, we've got you covered. Plus, if you're a member of partner credit unions, you can also enjoy shared branch transactions for added convenience.

Member Eligibility

Joining the Land Of Lincoln community means stepping into a world of support, trust, and personalized financial services. To become a member of our branch located at 2302 S Banker St, Effingham, IL 62401, you'll find that eligibility is designed to be simple and welcoming. We invite anyone who lives, works, worships, or attends school in our area to apply. Additionally, family members of existing members can also join us! This creates a strong network of individuals who benefit from tailored banking solutions and a friendly atmosphere. The process to get started is straightforward! You can check out the full eligibility details on our website at this link for more information. Once you're ready to take the next step, opening an account is easy just visit this page or give us a call at 217-342-7077. We're excited to welcome you to our family!

Business Banking & Commercial Services

Financing Your Vision

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 That Make Transactions Easy

In today's fast-paced world, smooth transactions can set your business apart. Our merchant services simplify payments, allowing you to focus on what you do best running your business. Imagine having the ability to accept credit cards easily or offering mobile payment options that meet your customers where they are. With us, you gain not just a service but a partner dedicated to enhancing your operational efficiency. Visit us at 2302 S Banker St Effingham Il 62401 in Effingham, IL, or call us at (217) 342-7077 to learn how we can help your business thrive!

Comprehensive List Of Services

Business Banking Services

If you own a business, you'll appreciate our business banking services. From merchant services that simplify payments to business loans that fund growth, we're committed to supporting local entrepreneurs. Our goal is to ensure your business thrives in the community.

Connect with Us

Your financial journey is important to us. If you have any questions or want to explore the best options for your situation, don't hesitate to reach out at (217) 342-7077. Visit us today at 2302 S Banker St Effingham Il 62401 or check out our website at Effingham - South for more information on how we can serve you better. We look forward to helping you take the next steps toward financial success!

Customer-Centric Service

At Land Of Lincoln, we pride ourselves on being accessible and responsive to our members' needs. With basic drive-thru banking available for deposits and withdrawals, as well as shared branch transactions for partner credit union members, we're committed to making banking as straightforward as possible.

Digital Banking Convenience

In today's fast-paced world, convenience matters. That's why we offer robust online and mobile banking features. Access your accounts from anywhere with ease check balances, transfer funds, and pay bills right from your smartphone. Our ATM services are available for quick cash withdrawals anytime you need them.

Personal Banking Solutions

Our personal banking services include checking and savings accounts that fit various lifestyles. Whether you're saving for a dream vacation or just need a secure place for your daily transactions, we have options tailored for you. If you're considering buying a new car or refinancing your current vehicle, our auto loans and vehicle financing programs make it easy and affordable. We also offer mortgage loans and refinancing solutions that can help turn your dream home into reality.

Smart Credit Options

For those looking to consolidate debt or finance personal projects, our personal loans provide flexible terms and competitive rates. Plus, with our credit cards offering rewards, every purchase you make can earn you points towards exciting benefits.

Digital & Online Banking

Convenient Features

Need to send money quickly? Our person-to-person transfer service allows you to send funds instantly to friends or family without any hassle. And if you're someone who enjoys the ease of mobile payments, you'll be glad to know that we support this feature too making transactions smoother than ever. Rest assured, all our digital services prioritize security. We use robust measures to protect your information so that you can feel confident while managing your accounts online. In short, Land Of Lincoln is committed to providing accessible and easy-to-use banking solutions that fit into your busy lifestyle. For more information about our digital services and how they can benefit you, visit us at https://www.llcu.org/ today!

Key Services

Our online banking platform, accessible at https://www.llcu.org/, offers a range of features to help you stay connected with your finances 24/7. With just a few clicks, you can view your account balances, transfer funds, and pay bills all from the comfort of your couch or while waiting in line. If you prefer using your mobile device, our user-friendly mobile application is available, making it simple to bank wherever life takes you. We also offer electronic signature authorization, which means you can sign documents securely without needing to visit a branch. Plus, if you're looking to go paperless, e-statements are readily available for easy access to your account statements anytime.

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 strong financial position, which is a testament to our commitment to serving you. 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 is robust with $7,038 in used auto loans and $317,174,701 in total loans and leases, supporting members' financial goals across various sectors. Our operational efficiency is reflected in our $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. Total Share and Deposit Accounts stand at 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 2302 S Banker St Effingham Il 62401 or call (217) 342-7077 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, we're here to make your car-buying experience as smooth as possible. Whether you're interested in financing a new model or a reliable used vehicle, we have flexible terms to fit your budget.

Business Loans

For business owners in our community, our outstanding commercial loans totaling $51,119,243 provide the capital needed to grow and expand. We understand that running a business comes with its own set of challenges and opportunities; our team is here to assist you in finding the right financial solutions tailored for your business needs. At Land Of Lincoln located at 2302 S Banker St Effingham IL 62401, we strive to make every member's financial journey straightforward and accessible. For more information about our loan offerings or to discuss your eligibility for any of these products, feel free to call us at 217-342-7077. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Visit us today and take the first step toward securing your financial future!

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. These cards are designed to give you the purchasing power you need while allowing you to maintain control over your spending.

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 aim to provide you with competitive rates and terms that fit your unique situation. If you're looking for refinancing options or need assistance with eligibility requirements, our dedicated team is ready to help guide you through the process.

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 is designed to help you make informed decisions without the confusion often associated with 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, based on the latest results (Source: https://www.ncua.gov). This guarantees that users receive fair and transparent offers tailored to their needs. One of the key benefits of using LendMesh is its commitment to verified data. Loan offers are sourced from legitimate financial institutions, which builds trust in the information provided. Additionally, LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. This means you can compare loans fairly without worrying about hidden agendas. Another advantage of LendMesh is real-time rate comparisons. The platform offers up-to-date loan rates from multiple institutions, empowering users to make choices that suit their financial situation best. 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!" If you want to take control of your borrowing options and find competitive rates with ease, compare real-time loan offers today at LendMesh and discover 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