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

Introduction

Welcome to Latino Community, your trusted financial partner located at 8601 University City Blvd, Charlotte, NC 28213. Since our establishment in 2000, we have been dedicated to serving our vibrant community with a range of financial services tailored to meet the unique needs of our members. With over 145,000 members and assets totaling an impressive $1,075,927,219, we take pride in being a cornerstone of support for individuals and families alike. At Latino Community, we understand that financial decisions can shape your future. That's why we offer a variety of products, including checking and savings accounts, auto loans, mortgages, and credit cards with rewards. Our commitment goes beyond just banking; we focus on building relationships that empower our members to achieve their financial goals. Our leadership team is here to guide you every step of the way. Under the direction of CEO Vicky Garcia and Board President Maria Scanga, our dedicated staff of 320 employees works tirelessly to ensure that you receive personalized service. Whether you're looking for assistance with a loan or seeking advice on saving for your future, we're here for you. While you can visit us at our branch location for all your banking needs, please note that any official correspondence should be directed to our mailing address: 8601 University City Blvd, Charlotte, NC 28262. As a member-focused credit union, we believe in giving back to the community. Our total deposits stand at $118,673,461, reflecting the trust placed in us by our members. With a net worth of $234,897,129, we're financially strong and ready to help you navigate your financial journey. If you're ready to take the next step towards better banking solutions or simply want to learn more about what we offer, don't hesitate to reach out! Call us today at 704-717-7000 or visit our website at latinoccu.org for more information. Your financial future is bright with Latino Community by your side!

Branch History & Mission

At Latino Community, we take pride in our rich history and unwavering mission to serve the community. Established in 2000, our Charlotte Branch located at 8601 University City Blvd, Charlotte, NC 28213 has grown significantly over the years. With a current membership of 145,305, we have become a cornerstone of support for our members, offering financial services tailored to their unique needs. Our journey began with a vision to provide accessible banking solutions that empower individuals and families within the Latino community. We have worked tirelessly to create an inclusive environment where everyone feels welcome and valued. Over the years, we have achieved remarkable milestones, including growing our total assets to an impressive $1,075,927,219. This growth reflects our commitment to not just financial stability but also community enrichment. Our mission is simple yet impactful: to improve the financial well-being of our members while fostering a sense of belonging and support. We offer a wide range of services including personal banking, auto loans, mortgage loans, credit cards with rewards, and business banking options. We believe that everyone deserves access to quality financial resources that can help them achieve their dreams. While members can visit us at 8601 University City Blvd, official correspondence should be sent to 8601 University City Blvd, Charlotte, NC 28262 if different. Our operating hours are convenient for busy lifestyles: from 9:00 AM to 5:00 PM Monday through Thursday and until 6:00 PM on Fridays. Additionally, we have ATM availability for quick transactions and easy access to funds. Latino Community is dedicated not only to providing exceptional financial services but also to enhancing community life through outreach programs and partnerships that support local initiatives. Our team is committed to ensuring ADA compliance and customer-centric initiatives that make banking easier for everyone. As we look forward to the future, we invite you to join us on this journey. Experience the benefits of being part of Latino Community by becoming a member today. Together, we can build a stronger future for all. For more information on membership or services, feel free to reach out at 704-717-7000 or visit our website at latinoccu.org. Join us as we continue making a positive impact in Charlotte and beyond!

Branch Location & Accessibility

Come Visit Us!

If you have any questions or need assistance, don't hesitate to give us a call at 704-717-7000. We invite you to stop by and experience firsthand how Latino Community is dedicated to supporting your financial journey. We look forward to seeing you soon!

Convenient Access and Features

At our branch, we prioritize your convenience and accessibility. You'll find ample parking available, ensuring that you can easily visit us without any hassle. For our members with mobility needs, we comply with ADA standards and provide features like ramps for easy access. While members can visit us at 8601 University City Blvd, official correspondence should be sent to our mailing address at 8601 University City Blvd, Charlotte, NC 28262.

Operating Hours That Fit Your Schedule

We're here to serve you during convenient hours: Monday through Thursday from 9:00 AM to 5:00 PM and Friday from 9:00 AM to 6:00 PM. Whether you're stopping by for personal banking services or seeking advice on loans and mortgages, our friendly staff is ready to assist you within these hours.

Services Designed for You

Our Latino Community branch offers a wide range of services tailored to meet your financial needs. From checking and savings accounts to auto loans and credit cards with rewards, we've got options that fit every lifestyle. Plus, our ATM is available for quick cash withdrawals and balance checks outside regular business hours. Although we do not have drive-thru service or shared service centers at this location, we're committed to providing excellent in-branch assistance. If you're looking for online options, remember that we also offer mobile banking services for added convenience.

Member Eligibility

At Latino Community, we believe that becoming a member is like joining a close-knit family where everyone supports one another. If you live, work, or worship in the Charlotte area, you might be eligible to join us! It's that simple! We welcome individuals who share our values and commitment to community. You can explore the specific eligibility criteria by visiting this link. Joining Latino Community not only opens doors to various financial services but also connects you with a community dedicated to your success. Whether you're looking for personal banking options or loans, we're here to help you every step of the way. Ready to take the next step? Opening an account is easy just head over to this page or give us a call at (704) 717-7000 for any questions. We can't wait to welcome you into our community at 8601 University City Blvd, Charlotte, NC 28213!

Business Banking & Commercial Services

Business Loan Options

Imagine walking into your dream office or launching a new product line our financing solutions make these visions possible. 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

In today's competitive market, smooth transactions can set you apart. Our merchant services help simplify payment processing so you can focus on what matters most growing your business. With easy-to-use tools and dedicated support, we ensure that handling payments is hassle-free. Located at 8601 University City Blvd Charlotte Nc 28213 in Charlotte, NC, our team is ready to partner with you on your journey toward success. Call us at (704) 717-7000 or visit us today to discover how we can help your business thrive!

Comprehensive List Of Services

Convenient Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why we provide robust online and mobile banking options that allow you to manage your accounts anytime, anywhere. Need to check your balance or transfer funds? Simply log in from your smartphone or computer! Plus, our ATM services ensure that cash withdrawal is always just around the corner. At Latino Community, we strive to make banking easy and accessible for everyone in Charlotte. If you're interested in learning more about any of these services or if you'd like assistance with your financial journey, don't hesitate to reach out! You can call us at 704-717-7000 or visit us during our operating hours: 9:00 AM - 5:00 PM Monday through Thursday and 9:00 AM - 6:00 PM on Fridays. Join us today and experience a community-focused approach to banking that puts you first!

Home Financing Options

Thinking about buying a home? Our mortgage loans and refinancing services are designed to help you navigate the process smoothly. We understand that purchasing a home is one of the most significant investments you will make, so we're here to provide guidance every step of the way.

Personal Banking Made Easy

Managing your money should be straightforward and hassle-free. That's why we offer personal banking options, including checking and savings accounts that help you keep track of your funds while earning interest. If you're in need of financing for a new car, our auto loans and vehicle financing can get you on the road without breaking the bank. Imagine cruising down the highway in a reliable vehicle that fits your budget perfectly!

Personal Loans for Life’s Needs

Life can throw unexpected expenses your way. Whether it's an urgent repair or an exciting opportunity, our personal loans and debt consolidation options give you the financial flexibility you need. You can quickly access funds when necessary, allowing you to focus on what truly matters.

Rewarding Credit Card Solutions

Don't forget about our credit cards with rewards! These cards not only provide purchasing power but also reward you for spending wisely. With benefits like cashback and travel rewards, you can enjoy perks just by using your card for everyday purchases.

Supporting Local Businesses

For our local entrepreneurs, we offer business banking solutions, including merchant services and business loans. We understand how essential it is for businesses to thrive, and we are committed to providing the financial support they need to grow.

Digital & Online Banking

At Latino Community, we understand that your time is valuable, and managing your finances should be as convenient and secure as possible. That's why we offer a range of digital and online banking services designed to fit your lifestyle. With our 24/7 online banking services available at https://latinoccu.org/, you can access your accounts anytime, anywhere. Whether you want to check your balance, transfer funds, or review your transactions, our user-friendly platform makes it easy to stay on top of your finances. Plus, with electronic signature authorization, you can complete important documents without the hassle of printing or mailing them. If you prefer to manage your money on the go, our mobile application is here for you. It allows for quick access to account information and features like mobile payments, making it simple to pay for purchases directly from your phone. No need to carry cash or cards when you can use your device instead! We also provide e-statements, so you can view and manage your statements electronically. This not only saves paper but also gives you quick access to your financial history whenever you need it. You can rest assured knowing that all these services are designed with security in mind, keeping your information safe as you bank online. While we currently do not offer person-to-person transfers, we're continually looking for ways to enhance our services for our members. Our commitment is to provide accessible and efficient banking solutions that meet your needs. Experience the convenience of digital banking at Latino Community today! Visit us online at https://latinoccu.org/ to learn more about how we can help simplify your financial life.

Financial Strength

At Latino Community, 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 understand that you want to feel secure in your financial decisions, and we are here to provide that reassurance. 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. 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. Our commitment to our members is evident in our $133,811,129 in undivided earnings. These funds allow us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. With $11,163 in used auto loans and $872,452,898 in total loans and leases, our lending capacity supports your financial goals across various sectors. We take pride in our operational efficiency as reflected by our $0. This enables us to continue offering competitive loan rates and solid financial products for you. Our dedicated team consists of 319 full-time employees and 1 part-time employees who are always ready to assist you with knowledgeable service. Our net shares stand at $5,779,778, which reflects the funds available for lending and investments. We also have a robust membership base with a total of 216,277 share and deposit accounts, showing the trust that our members place in us. 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 8601 University City Blvd Charlotte Nc 28213 or call (704) 717-7000 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 $166,571,509 in used vehicle loans and $55,019,131 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive interest rates, ensuring you can find a plan that fits your budget.

Credit Lines and Unsecured Loans

For those looking for added flexibility in managing finances, we offer total credit lines of $470,812,750. Additionally, we also provide flexible terms on unsecured credit card loans, with a total of $9,373,471 in loans helping members manage their finances effectively. These products are designed to help you cover unexpected expenses or consolidate debt without the burden of collateral.

Member Support and Refinancing Options

We know that situations change, which is why we offer refinancing options across many of our loan products. Whether you're looking to lower your monthly payments or take advantage of better interest rates, our team can help you explore eligibility options that best fit your current circumstances. For any questions or further information about our loan offerings at Latino Community, please don't hesitate to reach out at (704) 717-7000. We're here to help you navigate your financial journey with confidence. 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 at 8601 University City Blvd Charlotte Nc 28213 in Charlotte, NC, and let's work together towards achieving your financial goals!

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. Our team is here to guide you through every step of the process, ensuring you feel confident and informed as you make this significant investment.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. You can trust that the options you see are authentic. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. This means you get a true picture of available loans without any hidden agendas. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions. With LendMesh, you're never looking at outdated or irrelevant information. 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.

How LendMesh Ensures Accurate 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 commitment ensures that users receive fair and transparent offers. By relying on verified institutions, LendMesh provides peace of mind that every comparison is grounded in accurate information.