Latino Community Credit Union Monroe NC | Affordable Auto Loans & Quick Business Loans

Introduction

At Latino Community, we believe that every member deserves not just financial services, but a genuine partnership in their journey toward financial success. Located conveniently at 2980 Monroe Way, Monroe, NC 28110, our branch has been serving the community since 2000. With over 145,000 members and assets exceeding $1 billion, we are committed to providing personalized banking solutions that truly cater to your needs. As a proud member of this vibrant community, we understand the unique challenges and opportunities faced by our members. Whether you're looking for personal banking options like checking and savings accounts or need assistance with auto loans, mortgages, or business financing, we've got you covered. Our total deposits stand at an impressive $118,673,461, reflecting our commitment to safeguarding your money while offering competitive loan products totaling 36,444 loans and leases. Our leadership team is dedicated to fostering an inclusive environment where everyone feels welcome. Under the guidance of CEO Vicky Garcia and Board President Maria Scanga, we strive to ensure that our services are as accessible as possible. With a robust net worth of $234,897,129 and cash in hand amounting to $12,776,672, we are well-equipped to support our members' financial aspirations. While you can visit us at our Monroe location for all your banking needs, official correspondence can be sent to the same address. We invite you to explore our website at latinoccu.org for more information about our services or to reach out directly at 704-226-1651. Join us in building a stronger financial future together because at Latino Community Credit Union, your success is our mission!

Branch History & Mission

At Latino Community, we take pride in our rich history and unwavering commitment to serving the community of Monroe, NC. Founded in 2000, our branch has grown alongside our members, fostering a sense of belonging and financial empowerment. Located at 2980 Monroe Way, Monroe, NC 28110, we are easily accessible for all who wish to join our family. From our humble beginnings with a handful of members, we have blossomed into a vibrant community of over 145,000 members, all united by a shared vision of achieving financial success. With total assets exceeding $1 billion, we have worked tirelessly to provide valuable financial services that empower individuals and families alike. Our mission is simple yet impactful: to provide comprehensive financial solutions while supporting the diverse needs of our community. We believe in not only offering personal banking services like checking and savings accounts but also providing auto loans, mortgage loans, personal loans, credit cards with rewards, and business banking options. We strive to create an environment where everyone feels welcomed and valued. While members can visit us at 2980 Monroe Way Monroe Nc 28110, official correspondence should be sent to 2980 Monroe Way, Monroe, NC 28110. Our operating hours are from 9:00 am to 5:00 pm Monday through Thursday and 9:00 am to 6:00 pm on Fridays. Although we currently do not offer ATM or drive-thru services, we focus on delivering excellent customer service within our branch. Latino Community is dedicated to advancing digital accessibility through online banking options and mobile applications designed for your convenience. We understand the importance of being adaptive in today's fast-paced world and are committed to making banking easier for you. Our partnerships with local organizations reflect our dedication to outreach efforts that enhance the lives of those around us. By collaborating with various community programs, we aim to provide educational resources that promote financial literacy. Join us at Latino Community as we continue this journey together! Experience the benefits of being part of a credit union that cares deeply about its members and the community. For more information or to become a member today, please visit our website or call us at (704) 226-1651. Your future starts here!

Branch Location & Accessibility

Call to Action

We invite you to stop by and experience the difference at the Latino Community branch. Your financial journey is important to us, and we're here to help every step of the way! If you can't visit right away, check out our website at latinoccu.org for more information on how we can serve you.

Nearby Landmarks and Accessibility

Situated in Union County, our branch is close to several local landmarks that you might recognize. We're just a short drive from Monroe's vibrant downtown area, making it easy for you to combine your visit with errands or other activities. Plus, we prioritize accessibility with features like ADA-compliant entrances and ample parking spaces available for all our members.

Operating Hours and Services

We understand that life can get busy, which is why our lobby hours are designed to fit your schedule. We're open from 9:00 am to 5:00 pm Monday through Thursday, and extend our hours until 6:00 pm on Fridays. Feel free to reach out to us at 704-226-1651 if you have any questions or need assistance. While we currently do not offer ATM or drive-thru services, our team is dedicated to providing personalized support during your visit. At the Latino Community branch, you can take advantage of various services including checking and savings accounts, auto loans, mortgage loans, personal loans, and more all tailored to meet your financial needs.

Member Eligibility

Becoming a member of Latino Community is like joining a warm, welcoming family that truly cares about your financial well-being. Located at 2980 Monroe Way Monroe Nc 28110, we invite individuals who live, work, or worship in the area to experience the benefits of membership. Whether you're just starting out or looking to enhance your financial journey, if you meet our simple eligibility criteria like being part of the Latino community or having a connection to it you're welcome here! For detailed information on eligibility, feel free to explore our website at https://latinoccu.org/become-a-member-2/. Opening an account with us is straightforward and designed with you in mind. You can begin your membership journey by visiting our account opening page at https://connect.latinoccu.org/registration. If you have any questions or need assistance, don't hesitate to reach out to us at (704) 226-1651. We are excited to help you take this important step towards better financial opportunities!

Business Banking & Commercial Services

Practical Merchant Services

In today's fast-paced market, effective merchant services can make a significant difference. Imagine processing payments seamlessly while providing your customers with various payment options. Our merchant services equip you with the tools necessary to enhance customer satisfaction and streamline operations. With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses in Monroe, NC. At Latino Community, we're here to help you turn your vision into reality because when your business thrives, the community flourishes too. Reach out today at (704) 226-1651 or visit us at 2980 Monroe Way Monroe Nc 28110!

Tailored 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. Additionally, we also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions tailored to your specific requirements.

Comprehensive List Of Services

Auto Loans & Vehicle Financing

When it comes to purchasing a vehicle, we have you covered with our competitive auto loans and vehicle financing options. Picture yourself behind the wheel of a new car, knowing you've secured an affordable loan that fits your budget. We strive to make the financing process straightforward and accessible so you can focus on choosing the right vehicle.

Business Banking

If you're an entrepreneur or small business owner, our business banking services, including merchant services and business loans, are designed to empower your growth. We know how important it is to have reliable financial support when running a business, and we're here to help simplify your banking experience.

Credit Cards with Rewards

At Latino Community, we believe in rewarding our members. That's why we offer credit cards with rewards that allow you to earn points on everyday purchases. Whether it's for groceries or dining out, every swipe brings you closer to exciting rewards.

Digital Convenience

In today's fast-paced world, convenience matters. That's why we offer robust online and mobile banking features that let you manage your accounts anytime, anywhere. Check balances, transfer funds, and pay bills with just a few taps on your smartphone. Plus, our ATM services ensure easy access to cash when you need it most. With all these services available at Latino Community, we're committed to helping you navigate your financial needs confidently. If you're ready to take control of your finances or learn more about what we can offer, don't hesitate to reach out! Call us at 704-226-1651 today or visit our website at latinoccu.org for more information. Your financial future starts here!

Mortgage Loans & Refinancing

Thinking about buying a home? Our mortgage loans and refinancing options provide solutions that can help you achieve homeownership or reduce your monthly payments on your existing mortgage. Our knowledgeable team is here to guide you through each step, ensuring you find the best option for your situation.

Personal Banking

We understand that managing your finances is essential. That's why we offer checking and savings accounts that fit your lifestyle. Imagine easily tracking your spending and saving for that dream vacation with our user-friendly online and mobile banking services. Our personal loans can help you consolidate debt or cover unexpected expenses without the stress of high-interest rates.

Digital & Online Banking

Conclusion

At Latino Community, we prioritize accessibility and ease-of-use in our digital banking offerings. We want every member to feel confident in managing their finances with us. Embrace the future of banking today with our comprehensive online services!

Key Features

Our online banking services allow you to view your account balances, transfer funds, and pay bills easily. You can also sign documents electronically with our electronic signature authorization feature, making transactions quick and hassle-free. Plus, with e-statements available, keeping track of your financial activity has never been easier. Say goodbye to paper clutter and hello to a more organized way of managing your finances!

Mobile Banking

For those who prefer banking on their mobile devices, our mobile application is here to help. Available for download, it offers all the features you need right at your fingertips. Whether you're making mobile payments or checking your account balance while out and about, our app ensures you have everything you need within reach.

Real-Time Access

With person-to-person transfers currently unavailable, we still focus on providing other ways to manage your money effectively. Our online banking service allows for real-time access to your accounts, enabling you to monitor transactions as they happen. This means you're always informed about your financial situation.

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 want you to feel confident in your choice to bank with us, knowing that we have built a solid foundation to support your financial needs. 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 2183 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. 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 members' financial goals across various sectors with $11,163 in used auto loans and $872,452,898 in total loans and leases. Our operations reflect our efficiency with a net income of $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 employee, 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. Our net shares available for lending and investments are at $5,779,778. 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 2980 Monroe Way Monroe Nc 28110 or call 704-226-1651 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 also provide refinancing options for those who want to lower their monthly payments or interest rates.

Credit Lines

For those who prefer greater flexibility in their borrowing needs, our total credit lines amount to $470,812,750. This allows members to access funds as needed without the hassle of reapplying for a loan each time. Our dedicated team is here to assist you through every step of the application process and answer any questions you may have about eligibility or refinancing options. For more information or to get started with your application today, please call us at 704-226-1651. 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 Latino Community, we're not just about providing loans; we're about building relationships and helping our members thrive financially. Visit us today!

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 help guide you through the process to ensure you understand all your options.

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 build your credit score while enjoying rewards on your everyday purchases.

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