Latino Community Credit Union Raleigh NC | Low Mortgage Rates & Rewards Credit Cards

Introduction

Welcome to Latino Community, your trusted partner in financial growth located at 4418 Fayetteville Rd, Raleigh, NC 27603. Since our establishment in 2000, we have been dedicated to serving our vibrant community with a wide range of personalized banking solutions. With over 145,000 members and total assets exceeding $1 billion, we pride ourselves on creating a supportive environment where everyone can thrive. At Latino Community, we understand the importance of reliable financial services. Our offerings include personal banking, auto loans, mortgage financing, and business banking solutions tailored to meet your needs. We are proud to hold a strong net worth of $234,897,129 and maintain total deposits of $118,673,461, ensuring that your funds are safe and secure with us. Our leadership team is committed to excellence. Under the guidance of our CEO, Vicky Garcia, and Board President, Maria Scanga, we strive to foster trust and build lasting relationships with our members. We believe in making banking accessible and convenient, which is why we offer online and mobile banking options. While members can visit us at our branch for all their banking needs, official correspondence should be sent to the same address: 4418 Fayetteville Rd, Raleigh, NC 27603. Whether you're looking to open a new account or explore loan options, we're here to help. Feel free to reach out to us at 919-773-9180 during our operating hours from 9:00 am - 5:00 pm Monday through Thursday and until 6:00 pm on Fridays. Join us today and experience the difference at Latino Community!

Branch History & Mission

Commitment to Innovation

In an ever-changing world, we prioritize innovation and accessibility. Our branch offers online banking services that allow you to manage your finances effortlessly from anywhere. With mobile payment options and electronic signatures available, accessing your accounts has never been easier or more secure.

Community Focus

Beyond banking, we are deeply invested in community outreach initiatives. We partner with local organizations to support various programs aimed at education and economic development. Together, we work towards creating opportunities that uplift our community as a whole. As we look ahead, we invite you to join us on this journey of growth and empowerment. Experience firsthand how being part of Latino Community can benefit you personally and help strengthen our collective future. Stop by our branch or visit us online at latinoccu.org today! You belong here!

Our Mission

At Latino Community, our mission is clear: to enhance the financial lives of our members while actively supporting the communities we serve. We believe that financial education is key to empowerment. That's why we focus not only on providing quality banking services but also on equipping our members with knowledge and resources to make informed financial decisions. We recognize that every member has unique goals and challenges. Our commitment extends beyond standard banking practices; it involves building lasting relationships with our members and understanding their aspirations. Whether you are looking for assistance with home financing or seeking advice on debt consolidation, we are here for you every step of the way. While members can visit us at 4418 Fayetteville Rd for all their banking needs, official correspondence should be sent to the same address for clarity and convenience.

Branch Location & Accessibility

Welcome to the Latino Community branch located at 4418 Fayetteville Rd, Raleigh, NC 27603! Here at our Garner Branch, we take pride in providing a welcoming and convenient banking experience for all our members. Whether you're stopping by to open an account or need assistance with a loan, our friendly staff is here to help you. Situated in the heart of Raleigh, our branch is easily accessible and close to several local landmarks, making it a familiar spot for many. You'll find ample parking available right outside, ensuring that your visit is hassle-free. Plus, we've made sure our facilities are ADA compliant so that everyone can access our services comfortably. Our operating hours cater to your busy schedule. We're open from 9:00 AM to 5:00 PM Monday through Thursday, and we extend our hours until 6:00 PM on Fridays. If you have any questions or need assistance before visiting, feel free to give us a call at 919-773-9180. While members can visit us at 4418 Fayetteville Rd, official correspondence should be sent to the same address as well. Although we currently do not offer ATM or drive-thru services at this location, we provide various personal banking options including checking and savings accounts, auto loans, mortgage loans, and credit cards with rewards. We look forward to welcoming you into our branch soon! Your financial needs are important to us, so don't hesitate to reach out or drop by for a visit.

Member Eligibility

Becoming a member of Latino Community is like joining a warm and welcoming family that prioritizes your financial well-being. Located at 4418 Fayetteville Rd Raleigh Nc 27603, we invite anyone who lives, works, worships, or attends school in our community to join us. We believe that everyone deserves access to friendly financial services designed with their needs in mind. To make it even easier for you, there's no complicated process involved. You can find all the detailed eligibility requirements on our website at https://latinoccu.org/become-a-member-2/. Once you know you're eligible, opening an account is just a click away! Head over to https://connect.latinoccu.org/registration to get started today. If you have any questions or need assistance, feel free to call us at (919) 773-9180 we're here to help you every step of the way!

Business Banking & Commercial Services

Business Loan Options

Imagine having the financial backing to expand your operations or invest in new equipment. Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. While we currently do not have any member or non-member commercial loans, we are eager to explore future opportunities with you.

Merchant Services

When it comes to accepting payments, we know how important it is for your business to have reliable and efficient merchant services. Picture this: a busy Saturday morning where your customers can easily pay via credit card or mobile payment, ensuring a smooth transaction experience. We provide tools that help streamline this process, allowing you to focus on what you do best running your business. Whether you're looking for financing options or merchant services, Latino Community at 4418 Fayetteville Rd Raleigh Nc 27603, Raleigh, NC is here to help you thrive. Feel free to contact us at (919) 773-9180 for more information!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about purchasing a new car? Our Auto Loans & Vehicle Financing options can help you get behind the wheel without breaking the bank. With competitive rates and flexible terms, we aim to make car ownership accessible for everyone. Picture yourself driving off in your dream vehicle our loan specialists are here to guide you through every step of the process.

Business Banking

For entrepreneurs and small business owners, our Business Banking services provide essential tools like merchant services and business loans. We understand the challenges of running a business and are committed to supporting local enterprises with financial solutions designed for growth.

Credit Cards with Rewards

Our Credit Cards with Rewards program allows you to earn points on everyday purchases. This means you can enjoy benefits like travel discounts or cashback just by using your card for regular expenses. It's a great way to reward yourself while managing your spending wisely.

Mortgage Loans & Refinancing

If homeownership is on your radar, explore our Mortgage Loans & Refinancing services. We understand that buying a home is one of the biggest decisions you'll make, and we're here to make it easier. Our mortgage experts will assist you in finding the right loan product that fits your budget and lifestyle, so you can focus on creating memories in your new home.

Online & Mobile Banking

In today's fast-paced world, convenience is key. Our Online & Mobile Banking platforms allow you to manage your accounts anytime, anywhere. You can check balances, transfer funds, pay bills, and more all from the comfort of your smartphone or computer. At Latino Community, we strive not just to meet but exceed your expectations when it comes to banking services. If you have questions or want to learn more about how we can assist you in achieving your financial goals, don't hesitate to reach out! Call us at 919-773-9180 or visit us at our Raleigh branch today!

Personal Banking

We offer Personal Banking options that include checking and savings accounts designed to help you reach your financial goals. Our accounts come with features that make it easy to track your spending and save for important milestones like vacations or education. Imagine having the peace of mind knowing your money is secure while earning interest on your savings!

Personal Loans & Debt Consolidation

Sometimes life throws unexpected expenses your way. That's where our Personal Loans & Debt Consolidation services come into play. Whether it's for medical bills or consolidating existing debt into one manageable payment, we offer personalized loan solutions that cater to your specific situation. Imagine having one monthly payment instead of multiple bills simplifying your financial life!

Digital & Online Banking

Accessibility & Security

We also have a user-friendly mobile application that gives you access to all these features right in the palm of your hand. Whether it's checking balances or making payments, everything is just a tap away. Additionally, while person-to-person transfers aren't currently offered, our robust online banking system ensures that you can manage all other aspects of your accounts effortlessly. Security is paramount at Latino Community. We employ top-notch security measures to protect your personal information while providing 24/7 online banking services. This means you can rest easy knowing that your data is safe as you engage in real-time account management. In summary, digital banking at Latino Community combines convenience, ease-of-use, and security to empower our members in their financial journeys. With these tools at your disposal, managing your money has never been easier!

Key Features

Our online banking services allow you to take control of your finances with just a few clicks. You can check your account balances, view transaction history, and transfer funds all from the comfort of your home or on the go. Plus, if you're looking for quick and secure document signing, our electronic signature authorization is here to help streamline your experience. For those who prefer to keep track of their finances digitally, e-statements are readily available. This means you can say goodbye to paper clutter and access your statements whenever you need them. Want to make payments directly from your smartphone? Our mobile payments feature makes it simple and secure.

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 are committed to building a solid financial foundation that ensures your peace of mind. 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 21.83% 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 with $11,163 in used auto loans and a total of $872,452,898 in loans and leases across various sectors. Our $0 net income reflects our operational efficiency as we focus on creating value for our members rather than profit maximization. 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 and committed team. With $5,779,778 in net shares available for lending and investments and a total of 216,277 share accounts, we showcase a strong and growing member base that trusts us with their finances. 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 4418 Fayetteville Rd Raleigh NC 27603 or call 919-773-9180 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 to make your car-buying experience as smooth as possible.

Credit Lines and Other Offerings

In addition to these offerings, we have substantial resources for credit lines totaling $470,812,750. This gives you the flexibility to cover unexpected expenses or make larger purchases without stress. For business owners seeking capital for growth and expansion, our outstanding commercial loans are available as well. Although we currently have no commercial loans outstanding, we're committed to providing resources that can help your business thrive when the need arises. If you're interested in refinancing or want more information about eligibility options for any of our loan products, please don't hesitate to reach out. You can call us at 919-773-9180 during our operating hours: Monday through Thursday from 9:00 am to 5:00 pm and Friday from 9:00 am to 6:00 pm. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let us help you find the right loan solution today!

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $6,724,910, making buying or refinancing simple. We aim to assist you every step of the way so you can focus on creating a home rather than worrying about financing.

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, our credit cards come with benefits that fit various lifestyles.

Loan Aggregator

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