Land of Lincoln Credit Union Vandalia IL | Affordable Auto Loans & Drive-Thru Banking

Introduction

Welcome to Land Of Lincoln, your trusted partner in financial services, conveniently located at 925 New York Dr, Vandalia, IL 62471. Since our establishment in 1947, we have proudly served our community, fostering a warm environment for our 38,708 members. With a strong commitment to helping you achieve your financial goals, we have grown to manage over $470 million in assets and provide loans and leases totaling 20,056. Our team, led by CEO Robert Ares and Board President Antonio Brown, is dedicated to ensuring that you feel supported every step of the way. Whether you're looking for personal banking solutions, auto loans, or business financing options, we are here to help. Our total deposits currently stand at an impressive $21,009,860, reflecting our members' trust and investment in us. While members can visit us at our branch location, official correspondence should be sent to our mailing address: PO Box 3310, Decatur, IL 62524. We also offer a range of services including online banking and mobile payments for your convenience. At Land Of Lincoln, we believe in making a positive impact on the communities we serve. With a strong foundation built on trust and reliability, we invite you to explore how we can help you with your financial journey. Feel free to call us at 618-283-2088 or visit our website at llcu.org for more information. Your financial future starts here!

Branch History & Mission

Welcome to the heart of Vandalia, Illinois, where the Land Of Lincoln Credit Union has been a cornerstone of community support and financial empowerment since its establishment in 1947. Nestled at 925 New York Dr, our branch has grown alongside our members, evolving to meet their needs while staying true to our mission: to provide exceptional financial services that enhance the lives of individuals and families in our community. Over the years, Land Of Lincoln has proudly served 38,708 members, accumulating total assets of over $470 million. Our growth story is not just about numbers; it's about building relationships and fostering trust. As we've expanded our services ranging from personal banking solutions like checking and savings accounts to auto loans, mortgages, and business banking we have remained committed to our roots: serving those who serve others. Our mission is straightforward yet profound: we aim to improve the financial well-being of our members while actively contributing to the welfare of our community. We believe that when our members thrive, so does Vandalia. This principle drives everything we do from offering competitive loan rates to providing easy access through modern banking solutions like online and mobile banking. While members can visit us at 925 New York Dr, official correspondence should be sent to PO Box 3310, Decatur, IL 62524. Our branch operates with convenience in mind; we are open Monday through Friday from 8:30 AM to 5 PM and on Saturday from 8:30 AM to 12 PM. For those who prefer drive-thru services, we are available during the same hours for deposits, withdrawals, and other simple transactions. At Land Of Lincoln Credit Union, we are proud of our commitment to accessibility. Our ATM availability ensures that you can manage your finances whenever you need to. Additionally, with shared service centers nearby, we make it easy for you to conduct transactions even when you're away from home. As we look toward the future, we remain dedicated to enhancing our services through digital advancements while ensuring compliance with ADA standards for all our members. Our community outreach efforts continue to strengthen ties with local organizations and initiatives that uplift those around us. Join us today at Land Of Lincoln Credit Union and experience firsthand how we can help you achieve your financial goals while supporting the vibrant Vandalia community. Together, let's build a brighter future! If you're ready to take the next step or have any questions, don't hesitate to call us at 618-283-2088 or visit our website at llcu.org.

Branch Location & Accessibility

Call to Action

We invite you to stop by and see how we can assist you on your financial journey. If you have questions or would like more information about our services, please give us a call at 618-283-2088. The Land Of Lincoln team looks forward to welcoming you soon!

Location Highlights

Whether you're visiting us for banking services or just stopping by to chat, you'll appreciate our welcoming atmosphere. We have ample parking available, including ADA-compliant spaces to ensure everyone can access our services without hassle. If you need assistance upon arrival, feel free to ask any of our staff members; they're always ready to help! While members can visit us at 925 New York Dr, please note that official correspondence should be sent to PO Box 3310, Decatur, IL 62524 if you need to reach us via mail.

Operating Hours

We strive to accommodate your busy schedule. Our lobby is open from 8:30 AM to 5:00 PM Monday through Friday, with Saturday hours from 8:30 AM until noon. If you're in need of drive-thru services, we offer convenience from 8:00 AM to 5:00 PM on weekdays and from 8:00 AM until noon on Saturdays.

Services Offered

At our Vandalia branch, we provide a variety of services tailored for personal and business banking. Whether you're looking for checking and savings accounts, auto loans, mortgage options, or credit cards with rewards, we have you covered! Additionally, enjoy the benefits of online and mobile banking for added convenience. You can also take advantage of our drive-thru service for quick transactions like deposits and withdrawals. If you're a member of another participating credit union, don't forget about our shared services which allow you to conduct basic transactions right here at our branch!

Member Eligibility

Welcome to the Land Of Lincoln, where becoming a member means joining a community that truly cares about your financial well-being. If you're looking to join us at our Vandalia branch located at 925 New York Dr, you'll find it easy and welcoming. Membership is open to anyone who lives, works, worships, or attends school in Fayette County, as well as family members of existing members. This inclusive approach ensures that everyone can enjoy the benefits of our credit union, from personalized service to competitive rates on loans and savings accounts. If you're ready to take the next step towards financial empowerment, opening an account is a breeze! Just visit our account opening page for more details. For any questions, feel free to give us a call at 618-283-2088. We're here to help you every step of the way! For full eligibility criteria and any updates, check out our detailed information here.

Business Banking & Commercial Services

Loan Options That Fuel 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 for Everyday Needs

Imagine running your business smoothly while accepting payments effortlessly. Our merchant services provide just that. They enable you to process transactions quickly and securely, allowing you to focus on what you do best serving your customers. Located at 925 New York Dr Vandalia Il 62471 in Vandalia, IL, we're dedicated to being your trusted partner in business banking. Visit us today or call (618) 283-2088 to explore how we can help your business achieve its goals!

Comprehensive List Of Services

Additional Services

Need assistance while on the go? Our drive-thru service allows for quick deposits and withdrawals without leaving your car. Furthermore, if you're a member of a partner credit union, you can take advantage of our shared branch transactions for deposits and withdrawals as well. To speak with us directly about how we can help meet your financial needs, don't hesitate to reach out! Call us at (618) 283-2088, or visit us at our branch located at 925 New York Dr Vandalia Il 62471 in beautiful Vandalia, IL. Join us at Vandalia, where we're not just a credit union; we're a community partner focused on helping you achieve your financial goals!

Business Banking

Small businesses are the backbone of our community, which is why we offer tailored business banking services. From merchant services that make payment processing easier to various types of business loans, we support local entrepreneurs in achieving their dreams.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why at Land Of Lincoln, we provide top-notch online and mobile banking services. You can manage your accounts from anywhere at any time through our user-friendly app or website. With features like ATM access, cash withdrawals, and basic transactions available at your fingertips, banking has never been easier.

Loans and Credit Options

Sometimes life throws unexpected expenses your way. For these situations, our personal loans and debt consolidation solutions can help you regain control over your finances without the stress. Plus, our credit cards with rewards make everyday purchases more rewarding by allowing you to earn points on what you already buy.

Personal Banking

For those seeking to establish their financial foundation, our personal banking services are here to help. We offer checking and savings accounts that come with competitive interest rates and no hidden fees, ensuring your money works for you. Additionally, if you're considering purchasing a new car or refinancing an existing one, our auto loans and vehicle financing options provide flexible terms tailored to fit your budget. If home ownership is on your mind, explore our mortgage loans and refinancing products designed to simplify the process. We guide you every step of the way so that buying a home feels less daunting.

Digital & Online Banking

Mobile Banking Convenience

For those on the go, our mobile application is a must-have! It's user-friendly and packed with features like mobile payments, so you can make purchases directly from your phone. Plus, if you prefer paperless statements, e-statements are available for easy access and environmental friendliness.

Online Banking Features

With our 24/7 online banking, you have the power to manage your accounts from anywhere, at any time. Whether you want to check your balance, pay bills, or transfer funds, everything is just a click away. We also offer person-to-person transfers, allowing you to send money directly to friends or family with ease.

Security You Can Trust

Your security is our top priority. Our electronic signature authorization feature ensures that your transactions are safe and secure. You can bank with confidence knowing that your information is protected at all times. Whether you're at home or out and about, Land Of Lincoln makes it simple to stay in control of your finances. Join us today and experience the ease of digital banking!

Financial Strength

Efficient Operations

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, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Member-Centric 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 focus our resources on benefiting you through better loan rates, lower fees, and exclusive perks.

Reinvesting for Your Benefit

Our dedication to improving your experience is evident with $42,818,683 in undivided earnings. These funds are reinvested into innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Additionally, with $7,038 in used auto loans and $317,174,701 in total loans and leases, our lending capacity supports members' financial goals across various sectors.

Solid 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 commitment to sound management is reflected in our net worth ratio of $951, which demonstrates a solid capital foundation. This ensures that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Trustworthy Growth

Our net shares available for lending stand at $0, indicating robust lending capabilities. The trust placed in us by our growing member base is evident with a total of 68,847 share and deposit accounts. This shows that more people are choosing Land Of Lincoln as their trusted partner for managing their finances. In conclusion, 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 925 New York Dr Vandalia Il 62471 or call (618) 283-2088 to learn more about how we can help you achieve your financial goals.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. We have already issued over $102,901,325 in used vehicle loans and $24,348,754 in new vehicle loans to help our members get on the road. Whether you're looking for a new model or a reliable used option, we have flexible financing options available.

Business Loans

For business owners in our community, we provide outstanding commercial loans totaling $51,119,243 to give you the capital needed to grow and expand your business operations. Our team understands the unique challenges businesses face and is here to support you every step of the way.

Credit Card Loans

Managing daily expenses can be challenging. That's why we offer flexible terms on unsecured credit card loans with a total of $13,505,932 helping members manage their finances effectively. Our credit cards come with rewards and benefits tailored to suit your lifestyle.

Financing Options

If you're not sure where to start or want to know if you're eligible for any of our loan products, visit us at our branch located at 925 New York Dr, Vandalia IL 62471 or call us at 618-283-2088. We are here to guide you through your options and help you find the best loan solution for your needs. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At Land Of Lincoln, we believe everyone deserves access to affordable financing solutions that work for them. Let us help you take the next step towards achieving your financial goals!

Mortgage Loans

Thinking about homeownership? Our mortgage options simplify the process of buying or refinancing. We offer Junior Lien 1-4 Family Residential Properties loans totaling $17,515,488, making it easier for you to step into your dream home. We also provide refinancing options for those looking to adjust their current mortgage terms.

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), ensuring fair and transparent offers. This means that the information you receive is not only reliable but also updated frequently to reflect current market conditions.

Land Of Lincoln