Local Union 392 Credit Union Cincinnati OH | Best Auto Loans & Business Banking

Introduction

Welcome to Local Union 392, where we believe that financial services should be as personal and reliable as the communities we serve. Located at 1228 Central Pkwy Ste 302, Cincinnati, OH 45202, our credit union has been a trusted partner for our members since 1982. With a commitment to fostering financial growth, we proudly serve a vibrant membership of 2,718 individuals and families. At Local Union 392, we understand the importance of sound financial management. Our total assets have reached an impressive $15,275,388, allowing us to provide a variety of services tailored to meet your needs. Whether you're looking for personal banking options, such as checking and savings accounts, auto loans, or even mortgage refinancing, we have solutions designed just for you. Our dedicated team is led by CEO Valerie Fortman and guided by Board President Josh Butts, who work tirelessly to ensure our members receive top-notch service. With just 3 employees, we maintain a close-knit environment where every member is valued and supported. While our main office serves as your go-to for in-person support, please note that official correspondence can also be sent to our mailing address: 1228 Central Parkway, Cincinnati, OH 45202. With total deposits amounting to $928,764 and loans totaling 914, we are committed to not only helping you save but also empowering you with the credit you need for life's big purchases. Our net worth stands at $2,407,230, reflecting our strength and stability in the financial landscape. We invite you to reach out to us at 513-621-4600 during our lobby hours from Monday to Friday between 9 AM and 5 PM and Saturday from 9 AM to 12 PM. Visit us online at 392fcu.org for more information about our services or to start your journey with us today! Your financial future is bright with Local Union 392 by your side!

Branch History & Mission

Commitment to Innovation

In today's fast-paced world, Local Union 392 also embraces digital advancements to better serve you. With online banking capabilities and convenient person-to-person payment options available, managing your finances has never been easier. Although we currently do not offer ATM or drive-thru services, we're committed to providing accessible solutions that meet your needs.

Join Us

As we look toward the future, Local Union 392 invites you to become part of our growing family. Experience firsthand how we prioritize your financial well-being while supporting the community around us. Together, let's build a brighter future for all. For more information or to join us today, visit our website or call us at 513-621-4600. Your journey towards financial empowerment starts here!

Our Journey

From our humble beginnings, Local Union 392 has dedicated itself to providing quality financial services tailored to the unique needs of our members. Over the years, we've expanded our offerings while maintaining a strong commitment to community support and member satisfaction. With total assets reaching an impressive $15,275,388, we have established a solid foundation that allows us to invest back into the community we serve. Our operating hours reflect our dedication to accessibility: Monday through Friday from 9:00 AM to 5:00 PM and Saturday from 9:00 AM to 12:00 PM. While members can visit us at our branch address, official correspondence should be sent to 1228 Central Parkway, Cincinnati, OH 45202.

Our Mission

At Local Union 392, our mission is straightforward yet powerful: we strive to empower our members with financial tools and resources that enhance their lives. We provide personal banking options including checking and savings accounts, auto loans, mortgage loans, personal loans, credit cards with rewards, and business banking services. Our goal is not just about numbers; it's about fostering relationships built on trust and transparency. We believe in giving back to the community as much as we believe in serving it. Through partnerships with local organizations and initiatives that support economic development in Cincinnati, we work hard to ensure that our impact goes beyond banking.

Branch Location & Accessibility

Accessibility and Features

At Local Union 392, we prioritize accessibility for all members. Our branch is fully ADA compliant, featuring ramps and spacious entryways to accommodate everyone comfortably. Parking is available nearby, allowing for easy access whether you're coming in for a quick transaction or a more detailed discussion about your financial needs.

Operating Hours

We understand that life can get busy. That's why we are here for you Monday through Friday from 9:00 AM to 5:00 PM and on Saturday from 9:00 AM to 12:00 PM. Whether you need to set up an account or inquire about loans, our friendly staff is ready to assist you during these hours.

Services Offered

Local Union 392 offers a variety of services tailored to meet your banking needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. We also provide business banking solutions including merchant services and business loans. Although we currently do not have ATM or drive-thru services available at this location, our online banking platform ensures that you can manage your finances anytime from anywhere. If you're looking for assistance or have any questions, don't hesitate to call us at 513-621-4600. We invite you to come visit us at Local Union 392 where community meets convenience!

Member Eligibility

At Local Union 392, we believe that everyone deserves a chance to thrive in a supportive community. If you're looking to become a member, you're in the right place! Membership is open to individuals who live, work, or worship in our local community. Whether you're starting your financial journey or seeking better options for your existing accounts, joining us means gaining access to personalized services and friendly guidance every step of the way. For detailed eligibility criteria, feel free to check out our website at . Getting started is simple! You can easily open an account online by visiting https://392fcu.onlineaurora.com/bankbin/enroll or give us a call at (513) 621-4600 if you have any questions. We're located at 1228 Central Pkwy Ste 302 Cincinnati Oh 45202, and we can't wait to welcome you into the Local Union 392 family!

Business Banking & Commercial Services

Loan Options for Growth

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 That Make Sense

In addition to loans, we offer merchant services designed to simplify your transactions. Whether you're processing payments in-store or online, our solutions help you manage cash flow efficiently. By partnering with us, you get more than just a service; you gain a reliable ally in navigating the financial landscape of your business. Located at 1228 Central Pkwy Ste 302 Cincinnati Oh 45202 in Cincinnati, OH, our team is here to help you thrive. Reach out at (513) 621-4600 during our operating hours from Monday to Friday, 9:00 AM to 5:00 PM, or Saturday from 9:00 AM to 12:00 PM. Let's take your business to the next level together!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about purchasing a new car? Our auto loans provide flexible financing options that fit your budget. We understand the excitement of driving off in a new vehicle, and we're here to help make it happen smoothly. Our loan specialists will guide you through the process, ensuring you find the right terms for your situation.

Business Banking

For local entrepreneurs and business owners in Cincinnati, we provide tailored business banking solutions including merchant services and business loans. We understand the importance of having financial support as you grow your business, and we're proud to be part of your journey.

Credit Cards with Rewards

Our credit cards come with rewards that give back every time you spend! Enjoy cash back or points toward travel and other benefits while building your credit history responsibly. It's not just about spending; it's about making smart financial choices that benefit you.

Mortgage Loans & Refinancing

If owning a home is part of your dream, our mortgage loans can help turn that dream into reality. We offer various mortgage options tailored to meet your needs whether you're buying your first home or refinancing an existing mortgage for better rates. With our expert advice, you'll be on your way to homeownership without the stress.

Online & Mobile Banking

In today's fast-paced world, convenience matters. That's why at Local Union 392, we offer robust online and mobile banking features. Manage accounts, pay bills, transfer funds, and check balances all from the comfort of your home or on-the-go. With our friendly staff available by phone at 513-621-4600, we're ready to assist with any questions regarding our services or how we can better serve you. Whether you're visiting us at 1228 Central Pkwy Ste 302 Cincinnati, OH 45202 during lobby hours from Monday to Friday or Saturday mornings, we look forward to helping you achieve your financial goals. Explore all that Local Union 392 has to offer by visiting us online at 392fcu.org. Your journey toward better financial health starts here!

Personal Banking

Whether you're looking to open a checking or savings account, our personal banking services are designed with you in mind. Imagine having an account that helps you save for your next vacation or manage your daily expenses effortlessly. With our competitive interest rates and no hidden fees, you can feel confident knowing your money is working for you.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way. That's why we offer personal loans and debt consolidation options to help you navigate those challenges. Whether it's medical bills, home repairs, or consolidating debt into one manageable payment, we're here to support you every step of the way.

Digital & Online Banking

At Local Union 392, we understand that your time is valuable. That's why we offer a range of digital and online banking services designed to provide you with convenient, secure, and easy access to your finances anytime, anywhere. Whether you're at home or on the go, managing your accounts has never been easier. With our 24/7 online banking services available at https://392fcu.org/ , you can check your account balance, review transactions, and pay bills with just a few clicks. No more waiting in line your bank is always open! Plus, for those who prefer paperless options, we offer e-statements, allowing you to view your statements online whenever you need them. Need to send money quickly? Our person-to-person transfers feature makes it simple to send funds to friends and family without any hassle. Just enter their details, and you're set! While we currently don't support mobile payments or have a dedicated mobile application, rest assured that our online platform is user-friendly and secure. Your security is our top priority. We ensure that all your transactions are protected so you can bank with peace of mind. Although we do not use electronic signature authorization at this time, our systems are designed to keep your information safe. Whether you're checking balances or transferring funds, Local Union 392 is here to make banking simple and accessible for you. Join us in embracing the future of banking by visiting https://392fcu.org/ today!

Financial Strength

Commitment to Growth

Our $2,169,053 in undivided earnings allows us to reinvest in innovative banking tools and stronger lending options, enhancing security measures to serve our members better. With $374 in used auto loans and $11,374,931 in total loans and leases, our lending capacity supports members' financial goals across various sectors.

Growing Member Base

Total Share Accounts: 3,229, showing a strong and growing member base that trusts us with their finances. This community is the heart of what we do at Local Union 392, and we're here to ensure your needs are met. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Local Union 392 is your trusted partner. Visit us at 1228 Central Pkwy Ste 302 Cincinnati Oh 45202 or call (513) 621-4600 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.

Member Savings and Investments

Members' savings are secured through $525,212 in share certificates, offering stable and rewarding financial growth opportunities. While we focus on benefiting our members directly, it's noteworthy that our approach ensures every deposit works harder for you. Unlike traditional banks, we prioritize our members by channeling resources effectively.

Operational Efficiency

Reflecting our operational efficiency, our $169,155 enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 3 full-time employees who are dedicated to serving you with knowledge and commitment.

Our Financial Health

With a net worth of $2,407,230, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,574 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 $5,911,395 in used vehicle loans and $1,683,541 in new vehicle loans already helping members get on the road. We provide flexible terms and quick approvals, ensuring that you can drive away in your new or used vehicle without unnecessary delays.

Credit Lines and Refinancing

For those looking for additional flexibility, our total credit lines amount to $1,000,000, giving you access to funds when you need them most. If you're interested in refinancing options, we can help assess your current financial situation and find solutions that save you money in the long run. At Local Union 392, we prioritize your financial well-being. Feel free to reach out by calling us at (513) 621-4600 or visit us at our convenient location at 1228 Central Pkwy Ste 302 Cincinnati Oh 45202, Cincinnati, OH. Our knowledgeable staff is here to assist you with any questions regarding our loan offerings or eligibility criteria. 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 achieving your financial goals starts here!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $0, make buying or refinancing simple. We work closely with our members to find the right mortgage solution that fits their budget and long-term plans.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $0 in loans helping members manage their finances effectively. This option allows you to handle unexpected expenses while building your credit history.

Loan Aggregator

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LOCAL UNION 392 FEDERAL CREDIT UNION - Cincinnati, OH