Latino Community Credit Union Charlotte NC | Affordable Auto Loans & Business Banking

Introduction

At Latino Community, we believe in the power of community and connection. Nestled in the heart of Charlotte at 2510 Vista Dr, Charlotte, NC 28212, our credit union has been a trusted financial partner since our establishment in 2000. With a strong commitment to serving our members, we have grown to support over 145,000 individuals and families, helping them navigate their financial journeys with confidence. As a member-focused institution, we pride ourselves on maintaining robust financial health. Our total assets stand at an impressive $1,075,927,219, while our total deposits amount to $118,673,461. We ensure that our members have access to essential services like auto loans, mortgages, and personal banking options tailored to their needs. With 36,444 loans and leases issued, we're here to help you achieve your dreams whether that's driving off in a new car or securing your first home. Under the leadership of our dedicated CEO, Vicky Garcia, and Board President Maria Scanga, we strive for transparency and community engagement. Our team of 320 employees is committed to providing personalized service that goes beyond just transactions. We want you to feel valued and supported every step of the way. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to the same address: 2510 Vista Dr, Charlotte, NC 28212-6253. If you have any questions or need assistance, don't hesitate to reach out at 980-819-6170. Join us today at Latino Community where your financial success is our mission! Explore more about what we offer by visiting our website at latinoccu.org, or stop by and see how we can assist you in achieving your financial goals.

Branch History & Mission

At Latino Community, we take pride in our rich legacy and commitment to serving the community of Charlotte, NC. Founded in 2000, our branch has been a cornerstone for financial empowerment and community support for over two decades. Located at 2510 Vista Dr, Charlotte, NC 28212, we are easily accessible for those seeking reliable banking services. Our mission is clear: to provide personalized financial solutions while fostering a sense of belonging among our members. Since our opening, we have grown from humble beginnings to a thriving credit union with over 145,000 members and total assets amounting to $1,075,927,219. This growth reflects our dedication not only to financial services but also to uplifting the communities we serve. We focus on understanding the unique needs of each member, offering services that include personal banking accounts, auto loans, mortgage options, and credit cards with rewards. Our mission is rooted in the belief that everyone deserves access to quality financial services. We strive to ensure that all members feel valued and supported in their financial journeys. We emphasize community outreach by partnering with local organizations and hosting events that promote financial literacy and inclusion. While members can visit us at 2510 Vista Dr, official correspondence should be sent to 2510 Vista Dr, Charlotte, NC 28212-6253. Our operating hours are designed to accommodate busy schedules: Monday through Thursday from 9:00 am to 5:00 pm and Friday from 9:00 am to 6:00 pm. For added convenience, we offer ATM access for quick cash withdrawals. Latino Community is dedicated to embracing technology as part of our service offerings. With features like online banking and mobile payments available to our members, we ensure that managing finances is easy and efficient. Our commitment extends beyond just banking; it includes making sure our facilities are ADA compliant so that everyone can access our services comfortably. As we continue to grow and adapt to the changing needs of our community, we invite you to join us on this journey. Experience firsthand the benefits of membership at Latino Community by visiting us or exploring how you can become part of our family at our website. Together, let's build a brighter financial future!

Branch Location & Accessibility

Convenient Access and Features

At our branch, you'll find ample parking available to make your visit hassle-free. We take pride in ensuring that our facilities are accessible for everyone, with features like ADA-compliant ramps to welcome all members of the community. Whether you're stopping by for personal banking or need assistance with loans, our friendly staff is here to help.

Operating Hours That Fit Your Schedule

We understand that life can be busy, which is why we offer flexible operating hours. You can visit us Monday through Thursday from 9:00 AM to 5:00 PM, and on Fridays, we're open until 6:00 PM. If you have any questions or need assistance outside of these hours, feel free to give us a call at 980-819-6170.

Services Tailored for You

Our branch provides various services including checking and savings accounts, auto loans, mortgage refinancing, and credit cards with rewards. We also offer online and mobile banking options for added convenience. Plus, with ATM availability right at our location, cash withdrawals and balance checks are quick and easy! While members can visit us at 2510 Vista Dr, official correspondence should be sent to our mailing address at 2510 Vista Dr, Charlotte, NC 28212-6253. We're excited to serve you! Come by today or call us if you have any questions about how we can assist you on your financial journey.

Member Eligibility

Becoming a member of Latino Community is like stepping into a welcoming community where your financial well-being is our priority. We invite anyone who lives, works, worships, or attends school in the Charlotte area to join us. This means if you're part of our vibrant local community, you're already eligible! Our members enjoy a variety of benefits such as personalized service, competitive rates on loans, and access to exclusive financial products tailored just for you. If you're ready to start your membership journey, it's easy! You can find all the details about eligibility and how to open an account by visiting our website at https://latinoccu.org/become-a-member-2/. If you have any questions or need assistance, feel free to give us a call at (980) 819-6170. We can't wait to welcome you into the Latino Community family at 2510 Vista Dr Charlotte Nc 28212!

Business Banking & Commercial Services

Loan Options Tailored for Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services That Make Sense

In addition to loans, we offer practical merchant services designed to simplify your transactions. Imagine effortlessly accepting payments from customers through various channels be it card payments or mobile transactions allowing you to focus on what matters most: growing your business. Located at 2510 Vista Dr Charlotte Nc 28212 in Charlotte, NC, our team is ready to partner with you on your journey to success. For more information, give us a call at (980) 819-6170 or visit our website at https://latinoccu.org/. Let's build a brighter future together!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need cash quickly? Our ATM & Cash Withdrawal Services ensure that you're never far from accessing your funds. Plus, with basic ATM access for withdrawals and balance checks, banking is straightforward wherever you are. At Latino Community, we pride ourselves on being more than just a credit union; we're a partner in your financial journey. Located at 2510 Vista Dr Charlotte Nc 28212, we're here to answer any questions you might have about our services or how we can assist you further. Feel free to give us a call at 980-819-6170 during our lobby hours: Monday through Thursday from 9:00 am to 5:00 pm and Friday from 9:00 am to 6:00 pm. Ready to take the next step? Visit us online at latinoccu.org and explore how we can help you achieve your financial goals today!

Auto Loans & Vehicle Financing

If you're in the market for a new car or looking to refinance an existing loan, our Auto Loans & Vehicle Financing options offer competitive rates and flexible terms. Picture yourself behind the wheel of your dream car while enjoying manageable monthly payments that suit your budget.

Business Banking

If you're an entrepreneur or small business owner, our Business Banking services are here to support you. From merchant services that simplify transactions to business loans that help fuel growth, we have solutions tailored specifically for local businesses like yours.

Credit Cards with Rewards

Make everyday purchases work for you with our Credit Cards with Rewards program. Earn points on every dollar spent, which can be redeemed for exciting rewards like travel, merchandise, or cash back! It's a smart way to get more from what you buy.

Mortgage Loans & Refinancing

For those ready to make a big investment in their future, we provide Mortgage Loans & Refinancing solutions. Whether you're buying your first home or refinancing to lower your interest rate, our friendly team is here to guide you through the process and help you secure the best deal possible.

Online & Mobile Banking

Accessing your accounts has never been easier! With our Online & Mobile Banking, you can enjoy features like bill pay, fund transfers, and account management right from your device. It's all about convenience and control at your fingertips.

Personal Banking

Our Personal Banking services include checking and savings accounts tailored to fit your lifestyle. With easy access through our online and mobile banking platforms, you can manage your finances anytime, anywhere. Imagine checking your balance on the go or transferring funds with just a few taps on your phone it's that simple!

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way. Our Personal Loans & Debt Consolidation services are designed to help you tackle those challenges head-on. By consolidating multiple debts into one easy payment, you can simplify your finances and reduce stress.

Digital & Online Banking

Key Features for Your Convenience

We provide electronic signature authorization, allowing you to complete transactions securely without needing to visit a branch. Plus, with e-statements available, you'll receive your account statements electronically, making it easy to keep track of your financial activities while helping the environment. If you're always on the go, our mobile application is perfect for managing your banking needs from your smartphone. You can make mobile payments effortlessly and enjoy the convenience of person-to-person transfers whenever needed though please note that this feature isn't currently available at Latino Community.

Security and Accessibility

Security is our top priority. Our online banking services are protected with advanced security measures so you can bank confidently. With real-time account management tools at your fingertips, you're never out of touch with your finances. At Latino Community, we strive to make banking accessible for everyone. Join us in embracing a hassle-free way to manage your money with our digital banking services!

Financial Strength

Operational Efficiency

Our commitment to 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 319 full-time employees and 1 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvesting for Member Benefits

With $133,811,129 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 $11,163 in used auto loans and $872,452,898 in total loans and leases.

Secure Savings Options

Members' savings are secured through $302,108,087 in share certificates and $207,496,126 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $37,094,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Strong Capital Foundation

With a net worth of $234,897,129, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $2,183 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Trust Built on Growth

With a total of 216,277 accounts held by our growing member base, trust is at the heart of what we do. Additionally, net shares available for lending and investments stand at $5,779,778, showcasing our ability to support your needs effectively. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Latino Community is your trusted partner. Visit us at 2510 Vista Dr Charlotte Nc 28212 or call (980) 819-6170 to learn more about how we can help you achieve your financial goals.

Loan Offering

Additional Options

If you're considering refinancing any existing loans or need help understanding eligibility options, our knowledgeable staff is here to guide you through the process. We believe in empowering our members with the information they need to make informed decisions. For personalized service or more information about our loan offerings, please feel free to reach out at (980) 819-6170. We're here to help you navigate your financial journey smoothly! 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 discover how Latino Community can support your financial aspirations!

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $166,571,509 in used vehicle loans and $55,019,131 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new vehicle or need assistance with a pre-owned one, we've got you covered.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $6,724,910, make buying or refinancing simple. We aim to make the process as straightforward as possible so you can focus on what matters most making your house a home.

Unsecured Credit Cards

We also offer flexible terms on unsecured credit card loans, with a total of $9,373,471 in loans helping members manage their finances effectively. Our credit cards come with various benefits that can help you earn rewards while making everyday purchases.

Loan Aggregator

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). This rigorous approach guarantees that users receive fair and transparent offers. - Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. Users can trust that the information presented is both accurate and reliable. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. Each comparison reflects genuine offers without influence from advertisers. - Real-Time Rate Comparisons: With up-to-date loan rates from multiple institutions, users can easily find the best deals available. This feature empowers individuals to make decisions that suit their financial needs. 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 and reliability of this tool. 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.