Nickel Steel Credit Union Lima OH | Best Auto Loans & ATM Access

Introduction

Welcome to Nickel Steel at 1067 S Main St, Lima, OH 45804! Since our establishment in 1953, we have proudly served our community with a commitment to financial excellence and member satisfaction. As a trusted credit union, we understand the importance of building strong relationships with our members. With a total membership of 537 and assets exceeding $6,139,521, we are dedicated to providing personalized banking solutions that meet your needs. At Nickel Steel, we believe in empowering our members through a range of services, including checking and savings accounts, auto loans, mortgage financing, personal loans, and business banking options. Our total deposits stand at an impressive $630,751, reflecting the trust our members place in us. We also manage a robust loan portfolio with 323 loans and leases, helping individuals and families achieve their financial goals. Our leadership team is here to guide you every step of the way. Led by CEO Rikki Hatton and Board President John Altenbach, our small but dedicated staff of just three employees is committed to ensuring you receive the best service possible. Whether you're visiting us for everyday banking needs or seeking assistance with a major purchase, we are here for you. While members can visit us at our branch address above, official correspondence should be sent to our mailing address: 1067 s. main st., lima, OH 45804-2043. For any inquiries or assistance, don't hesitate to reach out at (419) 224-7861 or via fax at (419) 224-2607. Join us on this journey toward financial well-being visit us today or explore our offerings online at nickelsteelfcu.com. Let's build a brighter financial future together!

Branch History & Mission

At Nickel Steel, we take pride in our rich history and our unwavering commitment to serving the community. Founded in 1953, our branch has grown alongside Lima, Ohio, becoming a trusted financial partner for generations of members. From humble beginnings, we've evolved into a vital part of the local landscape, currently serving over 537 members with total assets reaching an impressive $6,139,521. Located at 1067 S Main St, Lima, OH 45804, our branch is easy to find and conveniently situated near many community landmarks. While we welcome you to visit us at this address for all your banking needs, please note that official correspondence should be sent to 1067 S. Main St., Lima, OH 45804-2043. Our mission at Nickel Steel is simple yet powerful: we aim to provide accessible and inclusive financial services while actively supporting our community. We believe in empowering individuals and families through personal banking solutions such as checking and savings accounts, auto loans, mortgage financing, and credit cards with rewards. Our focus goes beyond transactions; we strive to make a positive impact in the lives of our members. As part of our commitment to innovation and accessibility, we offer online banking services that allow you to manage your finances from the comfort of your home. Additionally, we provide basic drive-thru banking services for quick deposits and withdrawals during our operating hours Monday through Friday from 9 AM to 5 PM. Nickel Steel stands out not only for its financial offerings but also for its dedication to community outreach. We understand that strong relationships are built on trust and support. That's why we engage in various partnerships and initiatives aimed at enhancing the well-being of our local residents. We invite you to join us at Nickel Steel and experience firsthand the benefits of being a member of our credit union family. Whether you're looking for personal loans or simply need guidance on managing your finances better, we're here for you every step of the way. Don't hesitate to reach out at 419-224-7861 or visit us online at nickelsteelfcu.com. Together, let's build a brighter financial future!

Branch Location & Accessibility

Welcome to Nickel Steel at 1067 S Main St, Lima, OH! Our branch is conveniently located in the heart of Lima, making it easy for you to access our services. Whether you're heading to the Allen County Courthouse or visiting nearby parks, stopping by our credit union is a breeze. At Nickel Steel, we prioritize accessibility for all our members. Our branch features ADA-compliant entrances and ramps, ensuring everyone can visit us comfortably. Plus, we have ample parking available so you can focus on your banking needs without the hassle of finding a spot. We know your time is valuable. That's why we're open Monday through Friday from 9 AM to 5 PM, ready to assist with everything from personal banking and auto loans to mortgage options and credit cards. If you're in a hurry, take advantage of our drive-thru banking for quick deposits and withdrawals without leaving your car. While you can visit us at our physical location for all your financial needs, please remember that official correspondence should be sent to our mailing address: 1067 S Main St., Lima, OH 45804-2043. For any inquiries or assistance, feel free to give us a call at 419-224-7861. We look forward to welcoming you to Nickel Steel and helping you achieve your financial goals!

Member Eligibility

Becoming a member of Nickel Steel means joining a friendly community that truly cares about your financial well-being. If you're looking to be part of something special, you'll be glad to know that membership is open to individuals who live, work, or worship in the Lima area. Whether you're a student, a working professional, or just looking for better banking options, there's a place for you here. We pride ourselves on creating an inclusive environment where every member can access valuable financial services and support. Opening an account at Nickel Steel is straightforward and welcoming. You can start the process by visiting us at our branch located at 1067 S Main St Lima Oh 45804, or you can easily apply online through this link: https://www.amimembernet.com/nsfcu/loan-application. If you have any questions or need assistance, don't hesitate to give us a call at (419) 224-7861. For more detailed information on eligibility criteria. We look forward to welcoming you into our family!

Business Banking & Commercial Services

Commercial Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. While we currently have not disbursed any commercial loans, we are eager to partner with you for future financing needs. Imagine your business expanding, reaching new markets, and hiring more employees all made possible through our lending options.

Merchant Services

We also offer essential merchant services designed to streamline your payment processes. Picture a busy Saturday at your local café; you need quick and secure transactions for your customers. Our services help ensure that your payments are processed smoothly, allowing you to focus on what matters most growing your business. Whether you're just starting or looking to expand, Nickel Steel is here to support you every step of the way. Visit us at 1067 S Main St Lima Oh 45804 or call us at (419) 224-7861 to learn how we can help your business thrive!

Comprehensive List Of Services

Business Banking

If you're a business owner, we understand the unique challenges you face. That's why we offer tailored services like merchant services and business loans to support your growth and success.

Cash Withdrawal Services

While we currently do not have ATM services available at our branch, we ensure that basic banking needs are met through our convenient drive-thru banking option. Here, you can make deposits, withdrawals, and handle simple transactions without leaving your car. At Nickel Steel, we strive to deliver exceptional service that meets the needs of every member in our community. We invite you to explore all these services further by visiting us online at Nickel Steel Fcu or stopping by our branch in person. Your financial wellness starts here!

Credit Cards and Rewards

Every swipe counts! Our credit cards with rewards allow you to earn points on everyday purchases that can be redeemed for various benefits. This way, you not only manage your spending but also get rewarded for it.

Online & Mobile Banking

In today's fast-paced world, convenience is key. With our online and mobile banking, managing your account has never been easier. Check balances, transfer funds, or pay bills from the comfort of your home or on-the-go.

Personal Banking

Managing your finances is made easy with our personal banking options. We offer checking and savings accounts that fit various lifestyles, whether you prefer simple day-to-day banking or want to save for future goals. If you're thinking about purchasing a new vehicle, our auto loans and vehicle financing solutions can help you get behind the wheel without breaking the bank. For those larger purchases like a home, we provide competitive mortgage loans and refinancing options. Our goal is to make homeownership accessible and affordable for all members. If you find yourself needing a little extra cash for unexpected expenses or debt management, consider our personal loans and debt consolidation services.

Digital & Online Banking

Key Features

Our online banking platform allows you to manage your accounts with ease. Whether you want to check balances, pay bills, or transfer funds, everything is just a click away. You can also take advantage of our person-to-person transfer feature, making it simple to send money to friends or family without any hassle. For those who prefer electronic statements, we provide e-statements that you can view and download whenever you need them. This not only helps you stay organized but also contributes to protecting the environment by reducing paper waste. While we currently do not offer mobile payments or a dedicated mobile application, our website is fully optimized for mobile use. This means you can still enjoy the convenience of banking on-the-go through your smartphone or tablet.

Security and Accessibility

We prioritize your security with robust measures in place to protect your personal information. Even though we don't offer electronic signature authorization at this time, you can feel confident knowing that your data is safe while using our services. The user-friendly design of our online banking system ensures that navigating your finances is straightforward, even if you're not tech-savvy. With real-time account management features, you can keep track of your transactions effortlessly. At Nickel Steel, we're committed to providing you with accessible and efficient banking solutions that empower you to take control of your financial future. Visit us today at https://www.nickelsteelfcu.com/ to learn more about how our digital banking services can work for you!

Financial Strength

Dedicated Team Ready to Serve You

We also take pride in having 3 full-time employees and 0 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Total Share Accounts stand at 933, showing 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, Nickel Steel is your trusted partner. Visit us at 1067 S Main St Lima Oh 45804 or call (419) 224-7861 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.*

Lending Support for Your Needs

With $91 in used auto loans and $2,695,227 in total loans and leases, our lending capacity supports members' financial goals across various sectors. Our operational efficiency is reflected in our $3,489, which enables us to continue offering competitive loan rates and solid financial products tailored for you.

Member-Centric Savings Opportunities

Members' savings are secured through $866,059 in share certificates, offering stable and rewarding financial growth opportunities. Although we currently have no money market shares, our focus remains on delivering value through traditional savings options that benefit you directly. 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. Our $1,576,123 in undivided earnings allows us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve you better.

Solid Financial Health

With a net worth of $1,696,387, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. This solid backing ensures that we can support you in achieving your financial goals. Our net worth ratio of 27.63% demonstrates a robust capital foundation. This means 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 $1,204,621 in used vehicle loans and $482,288 in new vehicle loans already helping members get on the road. Whether you're purchasing a new or used vehicle, our financing options can make the process smooth and affordable.

Credit Lines and Personal Loans

For those needing flexibility, our total credit lines amount to $400,000. This option is perfect for managing expenses as they arise. Additionally, while we currently do not have unsecured credit card loans available, rest assured that our team is ready to discuss other financing options that suit your needs.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. Currently, we offer Junior Lien 1-4 Family Residential Property loans totaling $0, providing an accessible pathway for those looking to invest in a home.

Refinancing Options

If you're considering refinancing existing loans or exploring eligibility options for any of our products, feel free to contact us for personalized assistance. We're committed to helping you find the best solutions tailored to your financial situation. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. With our dedicated team and diverse loan offerings, Nickel Steel is here to empower your financial journey. Reach out today or visit our website at nickelsteelfcu.com for more information!

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NICKEL STEEL FEDERAL CREDIT UNION - Lima, OH

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