Land of Lincoln Credit Union Effingham IL | Top Auto Loans & ATM Services

Introduction

Welcome to Land Of Lincoln, your trusted partner in financial success right here at our Effingham - North branch, located at 1302 Thelma Keller Ave, Effingham, IL 62401. Established in 1947, we have proudly served our community for over 75 years, making a positive impact on the lives of our 38,708 members. With a robust total asset base of $470,088,144, we are well-equipped to support you with a variety of financial services. At Land Of Lincoln, we believe in putting our members first. Whether you're looking for personal banking solutions like checking and savings accounts or seeking auto loans and mortgage refinancing, we are here to help. Our dedicated team of 150 employees is committed to providing exceptional service tailored to meet your individual needs. While members can visit us at 1302 Thelma Keller Ave, official correspondence should be sent to our mailing address at 4850 E Prosperity Place, Decatur, IL 62521. With total deposits reaching $21,009,860 and a net worth of $44,746,556, you can feel confident that your finances are in good hands. Led by our CEO Robert Ares and Board President Antonio Brown, we prioritize community engagement and strive to foster strong relationships with all our members. We encourage you to reach out to us at 844-222-7788 or visit our website at www.llcu.org to explore how we can assist you today. Join us as we continue to grow together your journey toward financial empowerment starts here!

Branch History & Mission

Welcome to Land Of Lincoln, a cornerstone of the community in Effingham, IL. Since our doors first opened in 1947, we have been dedicated to serving our members with integrity and passion. Our journey began with a small group of visionaries who believed in the power of community banking, and over the years, we have grown into a vibrant financial institution with a total membership of 38,708. Located at 1302 Thelma Keller Ave Effingham Il 62401, just a stone's throw away from local landmarks, we invite you to visit us and experience firsthand the warm, welcoming environment that defines our branch. For any official correspondence, please note our mailing address is 4850 E Prosperity Place, Decatur, IL 62521. At Land Of Lincoln, our mission is simple yet profound: to empower our members through exceptional financial services while fostering a strong sense of community support. We strive to provide a wide range of offerings, including personal banking, auto loans, mortgages, credit cards with rewards, and business banking solutions. Our commitment to service goes beyond transactions; we actively engage in community outreach initiatives that uplift those around us. As part of our dedication to modernizing your banking experience, we are proud to offer digital advancements such as online and mobile banking, electronic signatures, and person-to-person payment services. We ensure all facilities are ADA compliant so that everyone can enjoy equal access to our services. Our branch features both ATM availability and drive-thru banking for your convenience. Whether you prefer to stop by during our operating hours M-Th 8am to 5pm, F 8am to 5:30pm, or Sat 8am to 12pm or utilize shared service centers for partner credit union transactions, we are here for you. Throughout our history, we have focused on building partnerships within the community and creating meaningful connections with local organizations. Together, we aim to enhance the lives of our members while contributing positively to the area we call home. Join us at Land Of Lincoln and discover how we can support your financial journey. Experience the benefits of being part of a cooperative that puts you first! For more information or assistance, feel free to call us at (844) 222-7788 or explore our website at https://www.llcu.org/.

Branch Location & Accessibility

Welcome to the Land Of Lincoln branch located at 1302 Thelma Keller Ave in Effingham, IL! Our branch is conveniently situated in the heart of Effingham County, making it easy for you to access all your banking needs. Whether you're coming from downtown or nearby landmarks like the Effingham Performance Center, you'll find us just a short drive away. At Land Of Lincoln, we understand that accessibility is key. Our branch features ample parking and ADA-compliant entrances to ensure everyone can visit us comfortably. Plus, we have a drive-thru service for those quick transactions when you're on the go. We're proud to offer a range of services tailored to meet your needs from personal checking and savings accounts to auto loans and credit cards with rewards. You can also enjoy our ATM services, which are available for your convenience. If you prefer banking from home, our online and mobile banking options make managing your finances easier than ever. Our friendly staff is here to assist you during our operating hours: Monday through Thursday from 8 AM to 5 PM, Friday from 8 AM to 5:30 PM, and Saturday from 8 AM to 12 PM. If you have any questions or need assistance, feel free to give us a call at 844-222-7788. While members can visit us at 1302 Thelma Keller Ave, official correspondence should be sent to our mailing address at 4850 E Prosperity Place in Decatur, IL. We invite you to stop by and discover how we can help you achieve your financial goals!

Member Eligibility

At Land Of Lincoln, we believe that everyone deserves a supportive financial partner, and becoming a member is your first step toward joining our welcoming community. If you're looking to open an account with us, eligibility is simple and straightforward! You can become a member if you live, work, worship, or attend school in the area we serve. It's all about connecting with people like you, who share our commitment to financial well-being. To get more details on the specific eligibility requirements, feel free to check out our resource at https://www.llcu.org/banking/become-a-member/. Joining Land Of Lincoln opens the door to numerous benefits such as personalized service, competitive rates on loans and savings, and access to various financial products tailored just for you. The process of opening an account is easy and can be done online or in person at our branch located at 1302 Thelma Keller Ave Effingham Il 62401. If you have any questions or need assistance along the way, don't hesitate to reach out to us at (844) 222-7788. We're here to help you every step of the way!

Business Banking & Commercial Services

Lending Solutions for Growth

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 Matter

In addition to loans, we offer merchant services designed to simplify transactions. Imagine a busy restaurant using our point-of-sale systems to streamline orders and payments, enhancing customer experience while managing cash flow efficiently. Our services are here to help you focus on what you do best running your business. Visit us at 1302 Thelma Keller Ave Effingham Il 62401 in Effingham, IL, or call us at (844) 222-7788 to learn how we can assist you in achieving your business goals.

Comprehensive List Of Services

Business Banking Solutions

For business owners, we provide comprehensive Business Banking solutions including merchant services and business loans. We know how important it is to have reliable support as you grow your business, and we're here to help.

Convenient Digital Services

In today's fast-paced world, convenience is key. Our Online & Mobile Banking services let you manage your accounts anytime, anywhere. Whether it's checking your balance or making a transfer between accounts while on the go, we've got you covered. You can also use our ATMs for cash withdrawals and simple transactions without any hassle.

Drive-Thru and Shared Branch Services

For those who prefer face-to-face interactions but still want convenience, our branch features a Basic Drive-Thru Banking service where you can handle deposits and withdrawals quickly. Additionally, we participate in shared branch transactions which means members of partner credit unions can access similar services right here at Land Of Lincoln. If you're ready to take control of your financial future or need assistance with any of these services, don't hesitate to reach out! Call us at 844-222-7788 or visit us in person during our lobby hours: M-Th from 8 am to 5 pm; F from 8 am to 5:30 pm; and Sat from 8 am to 12 pm. We look forward to serving you!

Financial Support and Credit Options

Sometimes life throws unexpected expenses your way. That's where our Personal Loans & Debt Consolidation come into play. We offer flexible terms that can help you regain control over your finances. Additionally, our Credit Cards with Rewards allow you to earn points on everyday purchases which can be redeemed for travel or merchandise making each transaction rewarding.

Personal Banking

We understand that everyone's financial situation is unique. That's why our Personal Banking options include checking and savings accounts designed for every lifestyle. Imagine having a checking account with no monthly fees that helps you manage your daily expenses effortlessly. If you're looking to save for something special, our savings accounts offer competitive interest rates to help your money grow. When it comes time to purchase a vehicle, our Auto Loans & Vehicle Financing provide affordable options that fit your budget. We aim to make the process straightforward and stress-free, so you can focus on choosing the right car for you. Plus, if you're thinking about buying a home or refinancing your existing mortgage, our Mortgage Loans & Refinancing services are here to guide you through every step.

Digital & Online Banking

E-Statements and Mobile Features

We know that keeping track of your financial statements is essential. That's why we provide e-statements that let you view and manage your financial records digitally. Say goodbye to piles of paper clutter; everything you need is right at your fingertips! For those who prefer banking on the go, our mobile application offers a suite of features including mobile payments and person-to-person transfers. You can pay friends back instantly or make purchases directly from your phone making everyday transactions quick and hassle-free.

Security and Accessibility

Your security is our top priority. All our digital services are equipped with robust security measures to ensure that your personal information remains safe while accessing your accounts online. You can bank confidently knowing that we are committed to protecting your data. Whether you need to check balances, pay bills, or transfer money, our easy-to-use digital tools provide real-time account management so you can stay on top of your finances without any stress. Join us at Land Of Lincoln today and experience the convenience of modern banking!

Financial Strength

Growing Trust Among Members

Total Share and Deposit Accounts: 68,847, showing a strong and growing member base that trusts us with their finances. This growth is a testament to the reliability of our services and the satisfaction of our members. 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 1302 Thelma Keller Ave Effingham Il 62401 or call (844) 222-7788 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 Resources

Your 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 $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.

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 commitment to lending is evident with $7,038 in used auto loans and $317,174,701 in total loans and leases, supporting your financial goals across various sectors.

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

At Land Of Lincoln, we understand that life brings various financial needs, whether you're looking to buy a new car, purchase your first home, or manage your day-to-day expenses. That's why we offer a range of loan products designed to help our members achieve their financial goals. Located at 1302 Thelma Keller Ave in Effingham, IL, you can reach us at 844-222-7788 for any inquiries or to get started on your loan application. With over 20056 loans issued, we've helped thousands of members achieve their financial goals. Our auto loans are particularly popular; with over $102,901,325 in used vehicle loans and $24,348,754 in new vehicle loans already helping members get on the road. Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. If homeownership is on your mind, our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $17,515,488. We make buying or refinancing simple and straightforward. For those needing flexibility in managing their finances, we also provide unsecured credit card loans with a total of $13,505,932 available to assist our members. These flexible terms help you navigate everyday expenses while maintaining control over your spending. Additionally, for business owners looking for growth opportunities, our outstanding commercial loans totaling $51,119,243 provide the capital needed to expand your operations effectively. At Land Of Lincoln, we prioritize making borrowing easy and accessible. If you're interested in refinancing options or want to explore eligibility criteria, please visit us online or give us a call. Our 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 for a loan or simply have questions about our offerings, we're here to help you every step of the way!

Loan Aggregator

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Land Of Lincoln