Latino Community Credit Union Durham NC | Low Mortgage Rates & Business Banking

Introduction

At Latino Community, we believe in the power of community and the importance of financial well-being. Located at 4251 N Roxboro St, Durham, NC 27704, our branch has been serving members since 2000. With a rich history and a strong commitment to our members, we are proud to support over 145,000 individuals in their financial journeys. With total assets of $1,075,927,219 and deposits reaching $118,673,461, we stand as a pillar of stability and trust within the Durham community. Our experienced team of 320 employees, led by CEO Vicky Garcia and Board President Maria Scanga, is dedicated to providing exceptional service tailored to your needs. We are not just a credit union; we are your partners in achieving financial success. We offer a range of services from personal banking options like checking and savings accounts to auto loans and credit cards with rewards. Whether you're looking for a new vehicle or need assistance with debt consolidation, our financial experts are here to guide you 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: 4251 N Roxboro St, Durham, NC 27704. Join us today and experience the difference that comes from being part of a community-focused credit union. Visit our website at latinoccu.org or call us at 984-439-1655 during our lobby hours from 9:00 AM to 5:00 PM Monday through Thursday and until 6:00 PM on Fridays. Your journey towards better financial health starts here!

Branch History & Mission

Embracing Modern Banking

In today's fast-paced world, we understand the importance of digital advancements in banking. That's why we've implemented features like mobile payments and online banking to make your experience smooth and efficient. Our commitment extends beyond just providing services; we ensure that they are accessible to everyone, including those with disabilities. Our operating hours are designed to fit your busy schedule: Monday through Thursday from 9:00 am to 5:00 pm and Friday from 9:00 am to 6:00 pm. Although we currently do not offer drive-thru service or shared service centers, our friendly team is always ready to assist you during lobby hours.

Join Us Today!

As we look toward the future, we invite you to become part of our thriving community at the Latino Community branch. Experience firsthand how we prioritize your financial well-being while championing initiatives that support local growth. Together, let's build a brighter future for ourselves and each other. For more information or inquiries, please feel free to contact us at 984-439-1655 or visit our website at latinoccu.org. Join us today!

Our Commitment to Community

We believe that true success comes from giving back. The Latino Community branch actively engages in various outreach programs aimed at supporting local initiatives and empowering residents through financial education. By partnering with local organizations, we strive to create opportunities that enrich lives and strengthen the fabric of our community. While members can visit us at 4251 N Roxboro St, official correspondence should be sent to 4251 N Roxboro St, Durham, NC 27704. We also offer convenient services such as ATM access and online banking features that allow you to manage your finances easily from anywhere.

Branch Location & Accessibility

Comprehensive Banking Services

At Latino Community, we offer a range of services tailored for both personal and business banking. From checking and savings accounts to auto loans and credit cards with rewards, our team is ready to help you make the most of your financial journey. Plus, with ATM availability right here at the branch, accessing your funds has never been easier!

Contact Us Today

If you have any questions or need assistance, don't hesitate to reach out! You can call us at (984) 439-1655 for more information or simply come by and say hello. We look forward to welcoming you into our community at Latino Community!

Easy Access and Parking

Parking at our branch is hassle-free, allowing you to visit us without any stress. We strive to ensure that everyone can access our services comfortably, with features like ADA-compliant ramps and wide entryways.

Operating Hours Designed for You

Our doors are open during convenient hours: from 9:00 am to 5:00 pm Monday through Thursday and until 6:00 pm on Fridays. Whether you're stopping by on your way home from work or planning a weekend visit, we aim to accommodate your schedule.

Member Eligibility

At Latino Community, we believe that everyone deserves access to financial services in a welcoming community. Joining us is easy and open to those who live, work, worship, or attend school in the Durham area. Whether you're looking for a place to save, borrow, or simply connect with others, our member-driven approach means you'll find support every step of the way. To learn more about the specific eligibility criteria, feel free to visit our detailed page at https://latinoccu.org/become-a-member-2/. Opening an account at Latino Community is straightforward. You can start your membership journey online by visiting https://connect.latinoccu.org/registration, or give us a call at (984) 439-1655 if you have any questions. Our friendly team is here to guide you through the process and help you unlock all the benefits of being part of our vibrant community at 4251 N Roxboro St, Durham, NC 27704. Join us today and take a step towards achieving your financial goals!

Business Banking & Commercial Services

Business Loan Options

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. This funding enables local enterprises to invest in new equipment, hire more staff, or expand their operations. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions that meet diverse needs. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, we provide essential merchant services that simplify payment processing for your business. Whether you're a retail shop or a service provider, our merchant services allow you to accept payments seamlessly from your customers, enhancing their experience and increasing your sales potential. Located at 4251 N Roxboro St Durham Nc 27704, Durham, NC, our team is ready to partner with you on your business journey. Connect with us today at (984) 439-1655 to discover how we can help your business grow!

Comprehensive List Of Services

Additional Financial Solutions

In addition to these core services, we provide personal loans and debt consolidation options to help ease financial burdens. Life can be unpredictable, but with our support, you can navigate through tough times more comfortably. If you're interested in credit cards that reward your spending habits, look no further! Our credit cards with rewards not only help you make purchases but also earn points for future benefits imagine treating yourself to something special thanks to your everyday spending. For business owners, our business banking services, including merchant services and business loans, allow you to manage your finances efficiently and grow your enterprise without hassle.

Convenience at Your Fingertips

We believe in making banking as convenient as possible. With access to ATMs for cash withdrawals and balance checks across various locations, managing your finances is easier than ever. You'll find that our digital features like mobile payments enhance your experience by allowing transactions at your fingertips. At Latino Community, we take pride in being there for you every step of the way. From simple banking tasks to significant financial decisions, our team is dedicated to helping you achieve your goals. Don't hesitate to reach out! Call us at 984-439-1655 for more information about any of our services or visit us today at 4251 N Roxboro St in Durham. Let's work together toward a brighter financial future!

Personal Banking Services

Starting with personal banking, we offer various checking and savings accounts designed to fit different lifestyles and goals. Imagine being able to manage your money effortlessly with our online and mobile banking options. You can check balances, transfer funds, and pay bills all from the comfort of your home or on the go. If you have plans for a new vehicle, our auto loans and vehicle financing services make it easy to get behind the wheel. We help you secure competitive rates that fit your budget so you can drive away happy. For those looking to buy a home or refinance an existing mortgage, we have tailored mortgage loans and refinancing options. Picture unlocking the door to your new home while enjoying lower monthly payments our team will guide you through the process step-by-step.

Digital & Online Banking

Key Features

One of the standout features at Latino Community is the ability to sign documents electronically. With our electronic signature authorization, you can complete transactions without the hassle of printing and mailing forms. This not only saves time but also helps reduce paper waste. In addition to electronic signatures, we offer e-statements to help you keep track of your finances more efficiently. Gone are the days of waiting for paper statements to arrive in the mail; with e-statements, you'll receive your financial information right in your inbox quickly and securely. For those who prefer banking on the go, our mobile application makes it easy to manage your accounts from your smartphone. You can make payments using mobile payments and even transfer money directly to friends and family with person-to-person transfers though please note that this feature isn't available right now. We prioritize security in every aspect of our online services. Our platforms are equipped with advanced encryption technology, ensuring that your sensitive information remains protected against unauthorized access. Overall, whether you're using a computer or a mobile device, digital banking at Latino Community offers accessibility and ease-of-use for real-time account management. Join us today and experience the convenience of modern banking!

Financial Strength

Commitment to 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 ability to support your financial goals is evident in our lending capacity; we have $11,163 in used auto loans and $872,452,898 in total loans and leases available for our members. Our operational efficiency is highlighted by 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 who are dedicated to serving you with a knowledgeable team ready to assist.

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 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.

Trust Built on Community

We boast total share accounts of 216,277, showing a strong and growing member base that trusts us with their finances. Net Shares available for lending stand at $5,779,778, demonstrating our commitment to making funds accessible for our members' needs. 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 4251 N Roxboro St Durham Nc 27704 or call (984) 439-1655 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, 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 to fit your budget, making it easier for you to drive away in the vehicle you want.

Credit Lines

For those looking for additional flexibility, our total credit lines amount to $470,812,750. This allows you to access funds when you need them most while only paying interest on what you use. At Latino Community, we believe that everyone should have access to financial resources that empower them. For more information about eligibility and how our loans work, please visit our website or call us at (984) 439-1655. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Your journey towards better financial health starts here!

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 are here to guide you through every step of the process, ensuring you understand your options and find the right fit for your financial situation.

Unsecured Credit Card Loans

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. This can be a great way to consolidate debt or handle unexpected expenses without the stress of complicated repayment plans.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring 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 guarantees fair and transparent offers, as all participating lenders adhere to established regulatory guidelines.

Get Started Today

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.