Lexington Postal Community Credit Union KY | Best Auto Loans & Business Banking

Introduction

At Lexington Postal Community, we understand that financial decisions can shape your future. Established in 1928, our credit union has been a trusted partner for generations of members in Lexington, KY. Located at 124 Louie Pl, we're dedicated to providing personalized service and community-focused financial solutions that cater to your unique needs. With a growing membership of 2,251 and total assets amounting to an impressive $26,809,946, we are more than just a financial institution; we are a vital part of the community fabric. Our commitment to our members is reflected not only in the robust financial services we offer but also in our strong net worth of $2,556,866 and total deposits reaching $3,693,986. Under the leadership of CEO Sharon Stafford and Board President Randy Bradley, our team of 9 dedicated employees works tirelessly to ensure you receive the best banking experience possible. Whether you're looking for personal banking options like checking and savings accounts or need assistance with auto loans and mortgages, we've got you covered. While members can visit us at 124 Louie Pl, official correspondence should be sent to the same address. We invite you to explore our services online at Lexington Postal Community's website or give us a call at 859-252-5151 during our lobby hours from Monday to Friday, 9 AM to 5 PM. Join us today as we continue to build a stronger community together!

Branch History & Mission

A Legacy of Service

From our inception, we have focused on providing a range of financial services tailored to meet the diverse needs of our members. Whether it's helping individuals secure auto loans or offering personal banking solutions like checking and savings accounts, our mission has always been about more than just transactions. We believe in empowering people and building strong relationships within the community. As we expanded our services over the years, we embraced digital advancements to ensure our members have access to convenient online banking options and person-to-person payment services. Today, we are proud to offer ATM services and drive-thru banking at our location making it easier for members to manage their finances on their terms.

Join Us Today!

As we look toward the future, we remain committed to being your go-to resource for all things financial. With your membership, you become part of a legacy built on trust and community spirit. Join us today at Lexington Postal Community and discover how we can help you achieve your financial goals while making a difference together! For any inquiries or assistance, don't hesitate to call us at (859) 252-5151.

Our Mission: Community First

At the heart of Lexington Postal Community is our mission statement: "To provide reliable financial services while fostering community growth." This mission drives us daily as we strive to enhance not only the financial well-being of our members but also contribute positively to local initiatives and charities. We actively engage in community outreach efforts that support education, health, and economic development demonstrating that we care deeply about the neighborhoods we serve. While members can visit us at 124 Louie Pl Lexington Ky 40511, official correspondence should be sent to 124 Louie Pl, Lexington, KY 40511. We invite you to come experience firsthand how we blend traditional values with modern conveniences during our operating hours from Monday to Friday, 9 AM to 5 PM.

Branch Location & Accessibility

A Warm Welcome Awaits

At Lexington Postal Community, we're dedicated to providing exceptional service tailored to meet your needs. From personal banking options like checking and savings accounts to auto loans and credit cards with rewards, we have something for everyone. Our friendly staff is ready to assist you with any questions or services you may need. While members can visit us at 124 Louie Pl Lexington Ky 40511, official correspondence should be sent to the same address for convenience. So why wait? Visit us today or give us a call at (859) 252-5151! We're excited to help you achieve your financial goals right here in Lexington!

Convenient Access and Features

Finding us is a breeze! Our location offers ample parking, ensuring that you can stop by with ease. Plus, we're proud to be ADA-compliant, featuring ramps and accessible entrances to accommodate all of our members. If you're on the go, take advantage of our drive-thru banking for quick and easy transactions without leaving your car.

Operating Hours That Fit Your Schedule

We understand that life gets busy. That's why our lobby hours are designed to suit your schedule open Monday through Friday from 9 AM to 5 PM. You can also rely on our ATM services anytime you need them. With 24/7 access to cash withdrawals and balance checks, managing your finances has never been easier.

Member Eligibility

Becoming a member of Lexington Postal Community is like stepping into a community where everyone looks out for each other. If you're in the Lexington area and share our values, you might just be eligible! To join us, you typically need to live, work, worship, or attend school in Fayette County or be an immediate family member of an existing member. This means we welcome a diverse group of individuals who are all looking for a supportive financial home. Membership at Lexington Postal Community brings you access to great services like competitive loans, savings accounts, and personalized support tailored just for you. Ready to start your journey with us? It's simple! You can find more details about eligibility on our website at http://www.lexpccu.com/membership.php . If you're eager to open an account, check out the easy steps outlined at https://www.financial-net.com/lexpcu/lending/internetloans . We're here to help, so feel free to give us a call at (859) 252-5151 if you have any questions or need assistance. Join us today at our location on 124 Louie Pl Lexington Ky 40511, and let's build your financial future together!

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. - 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

Imagine running your daily operations with ease thanks to our merchant services designed specifically for businesses like yours. From secure payment processing to easy transaction management, we ensure that you can focus on what matters most: serving your customers and growing your business. Located at 124 Louie Pl Lexington Ky 40511 in Lexington, KY, our team is ready to partner with you for success. Call us at (859) 252-5151 or visit us online at https://www.lexpccu.com to learn more about how we can assist your business today!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need cash? Our network of ATMs offers easy access for withdrawals and balance checks. With our ATM & Cash Withdrawal Services, getting cash is just a few taps away.

Auto Loans & Vehicle Financing

Thinking about buying a new car? Our Auto Loans & Vehicle Financing options are tailored to help you hit the road without breaking the bank. Picture yourself driving off in your new vehicle, knowing you secured an excellent financing deal with us.

Business Banking

If you're a business owner, our Business Banking services include Merchant Services & Business Loans tailored for small to mid-sized businesses. We understand the challenges you face and offer support to help your business thrive.

Credit Cards with Rewards

Don't forget about our Credit Cards with Rewards, designed for everyday use and special occasions alike. Imagine earning points on every purchase that can be redeemed for travel, merchandise, or cashback making every dollar spent work for you.

Drive-Thru and Basic Transactions

For those who prefer face-to-face interactions but are short on time, our Basic Drive-Thru Banking allows for quick deposits and withdrawals without leaving your car. It's perfect for busy days when every minute counts! At Lexington Postal Community, located at 124 Louie Pl Lexington Ky 40511 in Lexington, KY, we're committed to making banking easier for you. With our friendly staff ready to assist you at any moment, don't hesitate to reach out at (859) 252-5151 or visit us online at Lpccu Main. We invite you to explore all these services and see how we can support your financial journey today!

Mortgage Loans & Refinancing

For those looking to buy a home or refinance an existing mortgage, our Mortgage Loans & Refinancing services provide flexible terms and competitive rates. We understand that purchasing a home is one of the biggest decisions you'll make, and we're here to guide you every step of the way.

Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why we provide robust Online & Mobile Banking services. Check balances, transfer funds, and pay bills from the comfort of your home or on the go our digital features ensure banking is accessible wherever life takes you.

Personal Banking

When it comes to personal banking, we offer Checking & Savings Accounts that fit various lifestyles. Imagine having a checking account that helps you track your spending while saving for that dream vacation. Our savings accounts come with competitive interest rates, helping you grow your money effortlessly.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way. That's why we offer Personal Loans & Debt Consolidation options to help manage those costs effectively. Whether it's funding a big purchase or combining multiple debts into one easy payment, we've got solutions that can ease your financial stress.

Digital & Online Banking

Key Features

One of the standout features is our person-to-person transfers, which make sending money to friends and family quick and hassle-free. You no longer have to worry about cash or checks just a few clicks and you're done! While we currently do not support electronic signatures or e-statements, our commitment to security remains strong. Your personal information is protected with advanced security measures, so you can bank with confidence. For those who prefer mobile transactions, while we don't have a dedicated mobile application or mobile payments at this time, our website is fully optimized for mobile use. This means you can access all your banking needs right from your smartphone's browser. Whether you're managing day-to-day expenses or planning for future goals, Lexington Postal Community is here to help simplify your financial life. Explore more about our digital banking options today by visiting https://www.lexpccu.com .

Financial Strength

Conclusion

Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Lexington Postal Community is your trusted partner. Visit us at 124 Louie Pl Lexington Ky 40511 or call (859) 252-5151 to learn more about how we can help you achieve your financial goals.

Dedicated Team

We take pride in having 3 full-time employees and 6 part-time employees who are always ready to serve you with a knowledgeable, committed team. This dedicated workforce ensures that you receive personalized service every time you visit us. Our total share accounts stand at 3,842, showing a strong and growing member base that trusts us with their finances. This trust motivates us daily to enhance our services further.

Lending Support

Our commitment to helping you achieve your financial goals is also evident in our lending capacity. With $389 in used auto loans and $13,204,710 in total loans and leases, we support various sectors while making dreams come true for our members. Although our net income stands at $0, it reflects our operational efficiency. We focus on keeping costs low so that we can continue offering competitive loan rates and solid financial products for all members.

Member Savings and Benefits

Members' savings are secured through $0 in share certificates and $0 in money market shares, offering stable and rewarding financial growth opportunities. Although we currently have no non-member deposits, this allows us to prioritize our members fully. With $2,498,940 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our aim is to create an environment where your finances can thrive.

Our Financial Health

With a net worth of $2,556,866, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. This financial backbone is crucial as it underpins our commitment to serving your needs effectively. Our net worth ratio of $952 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. This ratio reflects our ability to handle challenges while remaining focused on our members' interests.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $6,591,159 in used vehicle loans and $2,789,021 in new vehicle loans already helping members get on the road. We provide financing options for both new and used vehicles to ensure you can find the perfect fit for your lifestyle.

Credit Lines

For those who need additional flexibility, our total credit lines amount to $1,000,000. This allows members access to funds whenever they need them without the hassle of applying for a new loan each time. At Lexington Postal Community, we believe in empowering our members with financial tools tailored to their needs. If you're interested in exploring refinancing options or learning more about eligibility requirements for our loan products, please don't hesitate to contact us at 859-252-5151 or visit us at 124 Louie Pl, Lexington KY 40511. 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 take the next step toward achieving your financial dreams!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. Although we currently do not offer Junior Lien 1-4 Family Residential Properties loans, we can guide you through other available financing solutions that suit your needs.

Unsecured Credit Cards

We also offer flexible terms on unsecured credit card loans, with a total of $691,949 in loans helping members manage their finances effectively. Our credit card products come with benefits that can help you save money while building your credit history.

Loan Aggregator

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LEXINGTON POSTAL COMMUNITY CREDIT UNION