Lower Columbia Longshoremen CU Longview WA | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Lower Columbia Longshoremen, your trusted credit union located at 629 14Th Ave, Longview, WA 98632. Established in 1954, we have proudly served our community for decades, building strong relationships and providing financial solutions that truly meet our members' needs. With a dedicated membership of 4,268, we are committed to ensuring that each individual feels valued and supported. At Lower Columbia Longshoremen, we understand that financial matters can be complex. That's why we offer a range of services designed to simplify your banking experience. Whether you're looking for personal banking options like checking and savings accounts, or need assistance with auto loans and mortgages, our team is here to guide you every step of the way. Our total assets currently stand at an impressive $90,995,321, reflecting our solid foundation and dedication to responsible management. With $7,296,824 in total deposits and a net worth of $10,661,267, you can trust that your funds are secure with us. We pride ourselves on transparency; our cash in hand amounts to $1,053,737, ensuring liquidity to serve your needs effectively. Led by our experienced CEO, Robin Carns, and supported by Board President Mike Wilcox, our team of 19 employees is passionate about providing personalized service. You can count on us not just as a financial institution but as a cornerstone of the community. While members can visit us at our branch location for all their banking needs, official correspondence should be directed to the same address: 629 14th Ave, Longview, WA 98632. If you have any questions or need assistance, don't hesitate to reach out at 360-423-2770 or explore more about us at www.lclfcu.org. Join us today and experience the difference that a member-focused credit union can make in your financial journey!

Branch History & Mission

Join Us

We invite you to experience the difference at Lower Columbia Longshoremen. Whether you're looking for reliable banking services or want to be part of a supportive community network, we're here for you. Visit us today or call us at (360) 423-2770 for more information on how you can become a member and start benefiting from everything we offer! Together, let's build a brighter financial future for all!

Our Journey

Since opening our doors in 1954, Lower Columbia Longshoremen has been dedicated to empowering our members through comprehensive financial solutions. Over the years, we have adapted and evolved, always striving to meet the changing needs of our community. Our focus on personal banking including checking and savings accounts, auto loans, mortgages, and credit cards has allowed us to foster strong relationships with those we serve. As we grew, so did our offerings. Today, we also provide business banking services like merchant solutions and business loans. With advancements in technology, we've embraced online and mobile banking options to ensure our members can access their accounts anytime and anywhere. We are proud of our ADA compliance measures that make our services accessible for everyone.

Our Mission

At Lower Columbia Longshoremen, our mission is clear: to enhance the financial well-being of our members while contributing positively to the communities we serve. We believe that strong financial foundations lead to prosperous lives. By offering affordable loans and competitive interest rates, we help families achieve their dreams whether it's buying a new car or refinancing a home. We also understand the importance of community support. That's why we engage in various outreach efforts throughout Longview and beyond. From local sponsorships to partnerships with non-profits, we actively participate in initiatives that uplift those around us. While members can visit us at 629 14Th Ave Longview Wa 98632, official correspondence should be sent to 629 14th Ave, Longview, WA 98632 if different. Our operating hours are designed for your convenience: Monday through Thursday from 8:00 AM to 5:30 PM and Friday until 6:00 PM for drive-thru service starting at 7:30 AM.

Branch Location & Accessibility

Welcome to Lower Columbia Longshoremen, your friendly neighborhood credit union located at 629 14th Ave in Longview, WA. We're proud to be part of the Cowlitz County community and offer a convenient spot for all your banking needs. Nestled near local landmarks, our branch is easy to find and access, making it a great choice for members looking for personalized service. While you can visit us at 629 14th Ave, any official correspondence should be sent to the same address, ensuring your messages reach us without delay. For those who prefer driving, we have ample parking available right outside our doors, and our branch is equipped with ADA-compliant features to ensure everyone can access our services comfortably. Our operating hours are designed to fit your busy schedule. We welcome you Monday through Thursday from 7:30 AM to 5:30 PM and extend our hours on Friday until 6:00 PM. If you're in need of quick transactions, take advantage of our drive-thru banking, open during the same hours as our lobby. At Lower Columbia Longshoremen, we offer a variety of services tailored to meet your financial needs whether you're looking for personal banking options like checking accounts or auto loans, or business banking solutions. While we currently do not have ATM services available, our drive-thru allows for easy deposits and withdrawals. Feel free to give us a call at 360-423-2770 if you have questions or need assistance before your visit. We're here to help! Come see us soon; we look forward to serving you at Lower Columbia Longshoremen!

Member Eligibility

Becoming a member of Lower Columbia Longshoremen is like joining a friendly family that genuinely cares about your financial well-being. If you live, work, or worship in the Longview area, you're likely eligible to join us! We believe that everyone deserves access to quality financial services, and our community-driven approach means we're here to support you every step of the way. To find out more about specific eligibility criteria, feel free to check out our detailed information at http://www.lclfcu.org/membership.php . Joining is easy and straightforward! Once you confirm your eligibility, opening an account is just a phone call away. You can reach us at (360) 423-2770, and our team will guide you through the process with warmth and care. At Lower Columbia Longshoremen, we offer a range of services designed to help you achieve your financial goals, so why wait? Come visit us at 629 14Th Ave Longview Wa 98632 and become part of our supportive community today!

Business Banking & Commercial Services

Commercial Loans

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

In addition to loans, we offer merchant services that simplify transactions for your business. Whether you're processing payments online or in-store, our solutions can help streamline your operations. Imagine being able to accept payments seamlessly while focusing on what you do best running your business. Visit us at 629 14Th Ave Longview Wa 98632 in Longview, WA, or call us at (360) 423-2770 to learn how our business banking services can work for you!

Comprehensive List Of Services

Business Banking for Entrepreneurs

For local business owners, we provide robust Business Banking solutions, including merchant services and business loans. Whether you're starting up or expanding, we're here to support your entrepreneurial spirit with financial tools designed specifically for your needs.

Digital Access Anytime, Anywhere

In today's fast-paced world, convenience is key. That's why we offer comprehensive Online & Mobile Banking services. Manage your accounts easily from anywhere pay bills, transfer funds, and check balances at the touch of a button through our user-friendly platforms. Plus, our basic drive-thru banking allows you to complete deposits and withdrawals quickly without stepping inside. At Lower Columbia Longshoremen, we strive to make banking as easy as possible for our members. If you have any questions or would like more information about any of our services, don't hesitate to reach out! Call us at (360) 423-2770, visit us at 629 14Th Ave Longview Wa 98632, or explore more on our website: Lower Columbia Longshoremen Fcu. We're excited to help you achieve your financial goals!

Home Ownership Support

Thinking about buying a home? Our Mortgage Loans & Refinancing services are here to assist you every step of the way. We offer personalized mortgage solutions that fit your budget and lifestyle, ensuring that homeownership is within reach for everyone in our community.

Personal Banking Solutions

We understand that managing your finances can sometimes feel overwhelming. That's why we offer Personal Banking options, including checking and savings accounts designed to help you save more effectively while enjoying convenient access. Imagine having a checking account that fits seamlessly into your lifestyle, giving you peace of mind when making everyday purchases.

Personal Loans and Debt Management

If you're facing unexpected expenses or seeking ways to consolidate debt, our Personal Loans & Debt Consolidation options can help lighten the load. With straightforward terms and friendly guidance, we aim to empower you to take control of your finances without added stress.

Rewards with Every Purchase

Our Credit Cards with Rewards give you more than just a way to make purchases; they reward you for doing so! Earn points on everyday spending that can be redeemed for exciting rewards while enjoying low-interest rates and no annual fees.

Vehicle Financing Made Easy

For those looking to hit the road with confidence, our Auto Loans & Vehicle Financing make it simple to get behind the wheel. Whether you're purchasing a new car or refinancing an existing loan, we provide competitive rates and flexible terms. Picture driving off in your dream car without the stress of complicated financing processes.

Digital & Online Banking

Convenient Online Access

With our robust online banking platform, available at https://www.lclfcu.org/ , you can check your account balances, pay bills, and transfer money with just a few clicks. Our 24/7 online banking services ensure that you have access to your accounts whenever you need it, whether it's during the day or late at night.

Security You Can Trust

Your security is our priority. While we currently do not offer electronic signature authorization, rest assured that all our online services are designed with safety in mind. We use advanced security measures to protect your personal information while providing a user-friendly experience. In today's fast-paced world, convenience matters. At Lower Columbia Longshoremen, we're committed to making banking easier for you through our digital and online services. Whether you're accessing your accounts from home or on the go, we are here to help you manage your finances effortlessly!

Simple Transfers and Payments

Need to send money to a friend? Our person-to-person transfer feature makes it quick and hassle-free. Just enter their information, and you're done! Plus, if you're on the go, our mobile application allows you to manage your finances right from your smartphone, keeping everything at your fingertips.

Stay Organized with E-Statements

Stay on top of your finances with e-statements. You can easily view and download your statements whenever you need them no more waiting for paper copies to arrive in the mail. This not only saves time but also helps reduce clutter.

Financial Strength

Growing Member Trust

With total share accounts reaching 8,625, we demonstrate a strong and growing member base that trusts us with their finances. This trust empowers us to maintain robust lending capabilities while focusing on the needs of our community. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Lower Columbia Longshoremen is your trusted partner. Visit us at 629 14Th Ave Longview Wa 98632 or call (360) 423-2770 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.

Investing Back into the Community

With $8,746,744 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our capacity to support your financial goals is reflected in our lending activities; we have $466 in used auto loans and $54,437,700 in total loans and leases.

Member-Centric Savings

Members' savings are secured through $11,829,972 in share certificates and $15,052,303 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our commitment to operational efficiency is evident in our $0 figure, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 14 full-time employees and 5 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Solid Financial Health

With a net worth of $10,661,267, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,172 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 $8,082,963 in used vehicle loans and $5,741,155 in new vehicle loans already helping members get on the road. Whether you're financing a brand-new vehicle or a reliable used car, we have options that fit your budget.

Credit Lines and Other Options

If you're interested in additional borrowing options, we provide credit lines totaling $1,600,000. These are designed to give you access to funds when you need them most, allowing for greater flexibility in managing your expenses. If you're considering refinancing any existing loans, our team is here to discuss eligibility options and help streamline the process. At Lower Columbia Longshoremen, we're committed to supporting our members at every step of their financial journey. For more information on any of our loan products or to find out how we can assist you further, feel free to reach out at (360) 423-2770 or visit us at 629 14Th Ave Longview Wa 98632 in Longview, WA. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. We look forward to helping you make informed financial decisions!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $1,360,918, make buying or refinancing simple. We're here to guide you through the process and help you secure the financing needed for your dream home.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $2,213,928 in loans helping members manage their finances effectively. This option is perfect for those looking to consolidate debt or make unexpected purchases without tying up collateral.

Loan Aggregator

Accurate Loan 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 approach ensures that all offers are fair and transparent. By connecting users with verified financial institutions, LendMesh guarantees that the information you receive is accurate and trustworthy.

Benefits of Using LendMesh

LendMesh offers several advantages designed to build trust and provide clarity in your loan search: - Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions quickly. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" 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.

LOWER COLUMBIA LONGSHOREMEN FEDERAL CREDIT UNION