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

Introduction

Welcome to the Latino Community at our Charlotte Branch I, located at 3130 Milton Rd, Charlotte, NC 28215. Since opening our doors in 2000, we have been dedicated to serving our vibrant community with trustworthy financial solutions and personalized service. With over 145,000 members and a total asset base of $1,075,927,219, we are proud to be a cornerstone of financial support for families and businesses alike. At Latino Community, we believe that everyone deserves access to financial resources that can help them thrive. Our commitment is reflected in our impressive offerings: from auto loans and mortgages to personal loans and credit cards with rewards. As part of our mission, we also ensure the best possible experience for our members through modern conveniences such as online banking and mobile payments. Under the leadership of CEO Vicky Garcia and Board President Maria Scanga, our team of 320 employees is dedicated to making your financial journey smooth and rewarding. We understand that trust is earned, not given; that's why we prioritize transparency and member engagement in everything we do. For those needing assistance or wanting to learn more about our services, don't hesitate to reach out! You can call us at 704-531-0201 during our operating hours of 9:00 am - 5:00 pm from Monday through Thursday, and until 6:00 pm on Fridays. Visit us today or explore our website at latinoccu.org for more information. We look forward to helping you achieve your financial goals!

Branch History & Mission

Community Engagement

Latino Community is proud of its strong ties with local organizations and initiatives that promote growth within Charlotte's neighborhoods. We are dedicated to being an active participant in community events and providing resources that foster economic empowerment. With no ATM or drive-thru service currently available at this location, we encourage our members to explore alternative methods for their banking needs while still receiving top-notch customer service during our operating hours: 9:00 am - 5:00 pm from Monday through Thursday and 9:00 am - 6:00 pm on Fridays.

Join Us

As we continue this inspiring journey together with our members in mind, we invite you to become part of the Latino Community family. Experience firsthand how we can help you achieve your financial goals while contributing positively to our vibrant community. Visit us today or check out more information at latinoccu.org. Let's build a brighter future together!

Mission Statement

The mission of Latino Community is clear: to provide financial services that enhance the quality of life for all members of our community. We believe in making banking accessible and inclusive. This means offering personal banking solutions like checking and savings accounts, auto loans, mortgage options, and credit cards with rewards tailored to fit every lifestyle. We also understand the importance of giving back. Our outreach programs focus on education and support for local families and businesses, ensuring that everyone in Charlotte has the opportunity to thrive financially. While members can visit us at 3130 Milton Rd, official correspondence should be sent to 3130 Milton Rd, Charlotte, NC 28215.

Our Evolution

Since opening our doors more than two decades ago, Latino Community has undergone significant transformation. We started as a grassroots organization focused on meeting the unique financial needs of our diverse community. Over the years, we've expanded our services and introduced modern banking technologies while maintaining our core values of integrity and community service. Our branch is not just about transactions; it's about building lasting relationships. As we evolved, we embraced digital advancements that allow us to serve our members better. Today, you can manage your finances conveniently through online banking or mobile payments all while benefiting from personalized service when you visit us.

Branch Location & Accessibility

Welcome to the Latino Community branch, your friendly neighborhood credit union located at 3130 Milton Rd in Charlotte, NC! Nestled in the vibrant area of Mecklenburg County, we're easy to find and even easier to reach for all your banking needs. Whether you're coming from nearby landmarks like the Charlotte Country Club or just passing through the area, our branch is designed with your convenience in mind. While members can visit us at our main address, official correspondence should be sent to the same location: 3130 Milton Rd, Charlotte, NC 28215. With ample parking available, you can come in and chat with our knowledgeable staff without worrying about finding a spot. Our branch is fully accessible, featuring ADA-compliant entrances and ramps so everyone can enjoy our services without hassle. We understand that life can get busy, which is why we're open Monday through Thursday from 9:00 AM to 5:00 PM and extend our hours on Fridays until 6:00 PM. At the Latino Community branch, we offer a wide range of services tailored to meet your personal and business banking needs. From checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. Although we currently do not have ATM services or drive-thru banking available, our friendly team is always here to assist you in person. Feel free to give us a call at 704-531-0201 if you have any questions or need assistance before your visit. We look forward to welcoming you to the Latino Community branch soon!

Member Eligibility

At Latino Community, we believe that everyone deserves a place in our community, and becoming a member is a simple and welcoming process. If you're interested in joining us at our Charlotte location at 3130 Milton Rd Charlotte Nc 28215, you'll be pleased to know that eligibility is designed to be inclusive. Generally, anyone who lives, works, or worships in the area can apply for membership. This means that if you're part of our vibrant local community, you're already on your way to enjoying the benefits we offer. We pride ourselves on providing personalized financial services that cater to your unique needs, from checking accounts to auto loans. To learn more about the specific criteria and how easy it is to get started, check out our detailed eligibility information at https://latinoccu.org/become-a-member-2/. Once you're ready to take the next step, opening an account is just as straightforward! You can find all the details you need for account setup at https://connect.latinoccu.org/registration. If you have any questions or need assistance, don't hesitate to reach out to us at (704) 531-0201. We're excited to welcome you into the Latino Community family!

Business Banking & Commercial Services

Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. Although we currently have no active member or non-member commercial loans, our focus remains on creating tailored solutions that meet the needs of our local entrepreneurs. We aim to provide flexible financing options that empower you to take your business to the next level.

Merchant Services

In addition to loans, we offer merchant services designed to streamline payment processing for your business. Imagine providing your customers with easy and secure payment options, enhancing their shopping experience while boosting your sales. With our services, you can accept payments anytime and anywhere, allowing you to focus more on what you love running your business. Visit us at 3130 Milton Rd Charlotte Nc 28215 in Charlotte, NC, and let's discuss how we can support your business growth together! For inquiries, call us at (704) 531-0201 during our operating hours: Monday through Thursday from 9:00 am - 5:00 pm and Friday from 9:00 am - 6:00 pm.

Comprehensive List Of Services

Business Banking Solutions

For entrepreneurs and small business owners, we have specialized services through our business banking offerings. From merchant services that make accepting payments easier to tailored business loans, we aim to support your growth and success.

Embracing Digital Convenience

In today's fast-paced world, convenience is key. That's why at Latino Community, we've embraced technology to enhance your banking experience. Our robust online and mobile banking platforms allow you to access your accounts anytime, anywhere. You can check balances, transfer funds, and pay bills all from the palm of your hand! Plus, with features like ATM & cash withdrawal services available locally, managing your finances has never been more accessible.

Join Us Today!

At Latino Community, we're more than just a credit union; we're a community-focused institution committed to helping you achieve financial wellness. Whether you're visiting us in person or accessing our online services, we strive to provide exceptional support tailored just for you. Ready to take the next step? Visit us at https://latinoccu.org/ or call us at (704) 531-0201 today! Let's work together towards reaching your financial goals!

Personal Banking Made Easy

We understand that managing finances can be overwhelming, which is why we offer various personal banking options. Our checking and savings accounts are designed to help you easily manage your money while earning interest. If you're dreaming of a new car, our auto loans and vehicle financing options make it simple to get behind the wheel without breaking the bank. For those planning to buy a home, we provide competitive mortgage loans and refinancing solutions tailored to fit your budget.

Support for Your Financial Goals

Life can throw unexpected expenses your way, and that's where our personal loans and debt consolidation services come into play. We offer flexible terms that allow you to consolidate debt into one manageable payment or secure funds for emergencies. Additionally, our credit cards with rewards let you earn points on everyday purchases perfect for those who love to shop!

Digital & Online Banking

Key Features for Your Convenience

Our online platform allows you to view your account balances, transfer funds, and pay bills with just a few clicks. For added flexibility, we provide e-statements so you can manage your finances without the clutter of paper documents. If you're always on the go, don't worry! Our mobile application makes it simple to check your accounts or make payments right from your smartphone. Plus, if you're looking to streamline transactions, our electronic signature authorization feature lets you sign documents quickly and safely online.

Real-Time Management

Need to send money to a friend or family member? While person-to-person transfers aren't available right now, our mobile payments feature allows you to make purchases securely with just your phone. You can manage all aspects of your finances in real-time, giving you complete control over your money whenever you need it. At Latino Community, we're committed to making banking more accessible and efficient for all our members. Explore our digital banking services today at https://latinoccu.org/ and experience the ease of managing your finances from anywhere!

Secure and User-Friendly Experience

We prioritize your security as much as we do convenience. With robust security measures in place, you can feel confident knowing your personal information is protected while you bank online. Our user-friendly interface ensures that navigating through services is straightforward, making it easy for everyone whether you're tech-savvy or new to online banking.

Financial Strength

Commitment to Service

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 319 full-time employees and 1 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Total Share and Deposit Accounts stand at 216,277, showing a strong and growing member base that trusts us with their finances.

Conclusion

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 3130 Milton Rd Charlotte Nc 28215 or call (704) 531-0201 to learn more about how we can help you achieve your financial goals.

Investment in Growth

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 across various sectors with $11,163 in used auto loans and $872,452,898 in total loans and leases.

Member Savings

Your 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 Financial Health

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.

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. Whether you're interested in purchasing a new or used vehicle, our competitive rates and flexible terms make it easier than ever to drive away in the car you want.

Credit Lines and Unsecured Credit Cards

For those looking for additional flexibility with their finances, we offer total credit lines amounting to $470,812,750. This service can be a practical tool for managing unexpected expenses or funding personal projects. Additionally, we have flexible terms on unsecured credit card loans with a total of $9,373,471 in loans helping members manage their finances effectively. These options allow you to access funds when you need them without the hassle of collateral.

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 provide personalized assistance throughout the process to ensure you find a solution that fits your budget and lifestyle.

Refinancing Options

If you're considering refinancing any existing loans or exploring eligibility options for our various loan products, our knowledgeable staff is ready to assist you. We aim to make the process as straightforward as possible so you can enjoy lower payments or better terms based on your current financial situation. No matter what your borrowing needs are whether it's for a vehicle purchase, home financing, or managing everyday expenses we're committed to providing accessible and affordable loan solutions. Feel free to reach out to us at 704-531-0201 during our operating hours from 9:00 am - 5:00 pm Monday through Thursday and 9:00 am - 6:00 pm on Fridays. For more information about our services and offerings, visit us at latinoccu.org. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

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