Loyalty Credit Union Pensacola FL | Low Mortgage Rates & Business Banking

Introduction

Welcome to Loyalty, your trusted financial partner located at 308 N Spring St, Pensacola, FL 32501. Since our establishment in 1962, we've dedicated ourselves to serving the community with reliable banking solutions tailored for both individuals and businesses. With a total membership of 20,850 and assets reaching an impressive $293,903,402, we're proud to be a cornerstone of financial support in Escambia County. At Loyalty, we believe in the power of community and the importance of personal relationships. Whether you're looking for a new auto loan or need assistance with personal banking services, our team is ready to help you every step of the way. Under the leadership of CEO Park Broome and Board President Stephanie Clapp, our staff of 89 employees is committed to providing exceptional service that makes banking easy and accessible. While members can visit us at our branch address, official correspondence should be sent to P O Box 17048, Pensacola, FL 32522. We offer a variety of services including checking and savings accounts, mortgage loans, personal loans, and business banking solutions. Our total deposits stand at $20,149,609, ensuring we have the resources to meet your needs. With $2,080,173 in cash on hand and a strong net worth of $30,874,466, Loyalty is well-positioned to support your financial journey. Whether you're interested in online banking or utilizing our ATM services available for your convenience we are here to assist you. If you're ready to take the next step towards achieving your financial goals or simply want to learn more about what we offer, don't hesitate to reach out! Call us today at 850-474-0970 or visit our website at loyaltycu.org for more information. Together, let's build a brighter financial future!

Branch History & Mission

Loyalty Credit Union has a rich history rooted in community service and member support since its establishment in 1962. Located at 308 N Spring St, Pensacola, FL 32501, our branch has been a cornerstone for financial growth and empowerment in the Pensacola area for over six decades. With a commitment to fostering lasting relationships, we have grown alongside our members and have proudly served more than 20,850 individuals today. Our mission is simple yet profound: to provide accessible financial services while enhancing the quality of life for our members and the communities we serve. We believe that everyone deserves a chance to achieve their financial goals, whether it's purchasing a vehicle, buying a home, or saving for the future. This dedication drives us to offer a range of services tailored to meet the diverse needs of our membership. From personal banking options like checking and savings accounts to auto loans, mortgages, and credit cards with rewards, we strive to make banking easier and more beneficial for everyone. Over the years, Loyalty Credit Union has not only focused on financial products but also emphasized community involvement. We actively engage in outreach efforts and partnerships that uplift local initiatives. Our staff participates in various programs aimed at educating members about personal finance and promoting sustainable practices within the community. We are proud to be ADA compliant and offer modern conveniences such as online banking, mobile payments, and ATM access, ensuring that our members can manage their finances anytime and anywhere. While we don't have a drive-thru service at this branch, we do provide shared service center options for added convenience. For any official correspondence, please note that while you can visit us at our branch address, mail should be directed to P O Box 17048, Pensacola, FL 32522. As we look ahead to the future, we invite you to join us on this journey. Experience the benefits of being part of Loyalty Credit Union where your financial well-being is our top priority. Together, let's build a brighter tomorrow! For inquiries or assistance, feel free to reach out at 850-474-0970 or visit us online at loyaltycu.org.

Branch Location & Accessibility

Welcome to Loyalty Credit Union, conveniently located at 308 N Spring St in beautiful Pensacola, Florida. Our branch is nestled right in the heart of Escambia County, making it easy for you to stop by while enjoying the local area. You can find us near popular landmarks like the historic Seville Square and the vibrant downtown district, perfect for a quick visit as you explore. While members can visit us at our main branch address, official correspondence should be sent to P O Box 17048, Pensacola, FL 32522. We pride ourselves on being accessible and welcoming to all our members. Our location features parking options that make it simple for you to pop in anytime during our operating hours: Monday, Tuesday, Thursday, and Friday from 8:00 AM to 4:30 PM, and Wednesday from 8:00 AM to 2:00 PM. At Loyalty, we understand the importance of accessibility. Our branch is ADA compliant with ramps and features designed to ensure everyone can bank comfortably. Though we don't have a drive-thru service, we do offer ATM availability for your convenience perfect for quick cash withdrawals or balance inquiries without needing to enter the branch. We are also proud to provide shared services for our members who may belong to partner credit unions. This means you can perform basic transactions such as deposits and withdrawals even if you're visiting from another participating institution. Whether you're looking for personal banking solutions like checking accounts or auto loans, or business banking services such as merchant services and business loans, we've got you covered. If you have any questions or would like more information about our offerings, feel free to call us at 850-474-0970. We invite you to come visit us at Loyalty Credit Union on Spring Street! Your financial journey starts here!

Member Eligibility

Joining the Loyalty community means becoming part of a caring family that values your financial well-being. At Loyalty, located at 308 N Spring St Pensacola Fl 32501, we believe everyone deserves access to supportive banking services. To become a member, you simply need to meet a few friendly criteria, which include being a resident, employee, or affiliated with certain groups in our community. It's all about making connections and ensuring that you're part of something special. For more specific details about eligibility, feel free to check out our guidelines at https://ccufl-member.cuapplications.org. Once you're ready to take the next step, opening an account is a breeze! You can find all the information you need on how to get started by visiting https://loyaltycu-loan.cuapplications.org. If you have any questions or need assistance along the way, don't hesitate to give us a call at (850) 474-0970. We're excited to welcome you into our family at Loyalty!

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 $1 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $23 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $97,527, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

When it comes to managing transactions, our merchant services make it easy for you to focus on what matters growing your business. Imagine having a reliable partner that offers simple payment solutions, ensuring you can serve your customers efficiently. Whether you're a retail store or an online shop, our services can help streamline your operations. Come visit us at 308 N Spring St Pensacola Fl 32501 in Pensacola, FL, or give us a call at (850) 474-0970. Let's work together to turn your business dreams into reality!

Comprehensive List Of Services

Business Banking

For local entrepreneurs and business owners, we provide comprehensive business banking solutions. From merchant services that simplify payment processing to tailored business loans, we're committed to supporting your business's growth and success.

Credit Cards & Rewards

At Loyalty, we also understand the importance of rewards. That's why we offer credit cards that come with exciting benefits tailored just for our members. Use them wisely, and enjoy perks that can help enhance your purchasing power.

Digital Banking Features

In today's busy world, convenience is key. That's why we've made banking easy with our online and mobile banking features. Manage your accounts on-the-go, pay bills, transfer funds, and even send money to friends through our person-to-person service all from the palm of your hand. Plus, with ATM access available at various locations, withdrawing cash has never been easier.

Personal Banking

Our personal banking services are designed to help you manage your finances effectively. We offer both checking and savings accounts, allowing you to choose the best option for your spending and saving habits. Need a reliable way to finance your next car? Our auto loans and vehicle financing options can help get you on the road without breaking the bank. If you're considering purchasing a home or refinancing an existing mortgage, our team is here to guide you through the process with competitive rates and flexible terms. For those unexpected expenses or when you want to consolidate debt, our personal loans can provide the support you need.

Shared Branching & Access

If you're a member of another participating credit union, don't worry! At Loyalty, we offer basic shared branch transactions so you can easily perform deposits and withdrawals wherever you are. At Loyalty, we're more than just a financial institution; we're part of your community. Our friendly staff is always ready to assist you with any questions or concerns. Feel free to reach out at (850) 474-0970 or visit us during lobby hours: Monday, Tuesday, Thursday, and Friday from 8:00 AM to 4:30 PM and Wednesday from 8:00 AM to 2:00 PM. We invite you to explore all that we have to offer at Spring Street. Join us today by visiting our website or stopping by for a chat about how we can serve your financial needs better!

Digital & Online Banking

Key Features

Our services include e-statements, allowing you to view your account statements electronically. This not only helps you stay organized but also reduces paper clutter plus, it's eco-friendly! You can also enjoy the convenience of mobile payments, making it easy to shop securely right from your smartphone. For those who prefer using apps, our mobile application is available for download. It offers everything you need for on-the-go banking, including person-to-person transfers. This feature allows you to send money quickly and easily to friends or family without needing cash or checks. Security is paramount in our digital services. We utilize electronic signature authorization, ensuring that your transactions are safe and sound. You can feel confident knowing that your financial information is protected with the latest security measures. At Loyalty, we believe in empowering our members with tools that allow for real-time account management and accessibility. With our 24/7 online banking services, you're never alone in managing your finances help is always just a click away!

Financial Strength

Commitment to Growth

With $21,981,508 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Our total loans and leases amount to $155,467,350, including $2,803 in used auto loans, supporting your financial goals across various sectors.

Growing Member Base

Total Share Accounts stand at 43,984, showcasing a strong and growing member base that trusts us with their finances. With available funds for lending amounting to $0, we are well-equipped to support your needs now and into the future. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Loyalty is your trusted partner. Visit us at 308 N Spring St Pensacola Fl 32501 or call (850) 474-0970 to learn more about how we can help you achieve your financial goals.

Member-Centric Approach

Members' savings are secured through $36,580,407 in share certificates and $24,478,684 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, our focus remains on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our operational efficiency is reflected in our net income of $0, which allows us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 89 full-time employees ready to serve you with knowledge and commitment.

Solid Financial Foundation

With a net worth of $30,874,466, we maintain robust financial strength, enabling us to offer better rates, lower fees, and enhanced member services. This solid foundation is further evidenced by our net worth ratio of $1,048, which ensures we can continue providing loans and competitive savings rates even during 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 $46,238,200 in used vehicle loans and $13,016,536 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive rates for both new and used vehicles.

Business Loans

For business owners, our outstanding commercial loans totaling $97,527 provide the capital needed to grow and expand your operations. We understand that every business has unique needs; therefore, we offer tailored solutions to meet those specific demands.

Credit Card Loans

We also offer flexible terms on unsecured credit card loans. With a total of $14,048,923 in loans helping members manage their finances effectively, our credit card options are designed to give you the purchasing power you need without breaking the bank.

Eligibility and Refinancing Options

If you're considering any of these loan products or would like to explore eligibility options further, visit our website or contact us directly at 850-474-0970. We are here to guide you through the application process and answer any questions you may have about refinancing existing loans. 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 Loyalty, we strive not only to provide exceptional services but also ensure that our members feel confident in their financial decisions.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $9,305,961, giving you the opportunity to secure a loan that suits your situation. If you're interested in refinancing your current mortgage, we can assist with that as well.

Loan Aggregator

Ensuring Accurate Comparisons

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Loyalty