Normal City Employees Credit Union IL | Best Auto Loans & Business Banking

Introduction

Welcome to Normal City Employees, your trusted partner in financial services located at 100 E Phoenix Ave, Normal, IL 61761. Since our establishment in 1962, we've proudly served our community with a commitment to providing reliable banking solutions tailored to meet your needs. With a total membership of 602 and assets amounting to an impressive $4,712,418, we strive to support our members' financial journeys every step of the way. At Normal City Employees, we believe in making banking accessible and beneficial for everyone. Our dedicated team of 3 employees, led by our CEO Jackie Thomas and Board President Mark Kotte, works diligently to ensure that you receive personalized service and expert guidance. Whether you're looking for checking accounts, auto loans, or mortgage refinancing options, we have a range of services designed just for you. While you can visit us at our branch address, please note that official correspondence should be directed to our mailing address: 100 East Phoenix Avenue, Normal, IL 61761. As a member-focused credit union, we maintain a strong net worth of $509,161 and total deposits exceeding $1,030,028, ensuring that your funds are secure with us. We invite you to explore all the services we offer on our website at ncefcu.com. If you have any questions or need assistance, don't hesitate to call us at (309) 433-3408 during our lobby hours from 8:30 AM to 5:00 PM on weekdays. Join us today and experience the friendly and supportive environment that makes Normal City Employees more than just a credit union it's your community bank!

Branch History & Mission

Community Focus

We believe that our success is intertwined with the well-being of our community. That's why we actively engage in outreach efforts aimed at supporting local initiatives and programs. Our partnerships with various organizations help us contribute positively and foster growth within Normal. As technology evolves, so do we. We are committed to making banking easier for everyone by continually improving our services while ensuring accessibility for all members. Although we currently do not have ATMs or drive-thru services available, we prioritize delivering exceptional customer service during our operating hours: Monday through Friday from 8:30 am to 5:00 pm.

Join Us

If you're looking for a credit union that prioritizes people over profits and truly cares about its community, then look no further than Normal City Employees. Experience the benefits of membership today! Reach out to us at (309) 433-3408 or visit our website at ncefcu.com for more information on how we can help you achieve your financial dreams. Together, let's build a brighter future!

Our Mission

The mission of Normal City Employees is not just about banking; it's about empowering individuals and families in our community. We strive to offer a variety of services that include personal banking, auto loans, mortgage refinancing, and business banking solutions. Each service is designed with you in mind whether you're looking to open your first checking account or finance your dream vehicle. While members can visit us at 100 E Phoenix Ave, official correspondence should be sent to 100 East Phoenix Avenue, Normal, IL 61761. This ensures that all communications are handled promptly and efficiently.

Branch Location & Accessibility

Accessibility Features

Our branch is designed with accessibility in mind, ensuring that everyone can easily visit us. We have convenient parking available right outside our doors, along with features that comply with ADA standards, including ramps for those who need them. No matter your needs, we strive to make your visit as comfortable as possible.

Get in Touch

If you have any questions or would like more information about our services, feel free to give us a call at 309-433-3408. We can't wait to welcome you into our branch! Visit us today and discover how we can support you on your financial journey.

Operating Hours

We understand that life can be busy! That's why we're open Monday through Friday from 8:30 AM to 5:00 PM. Whether you need help with personal banking or want to explore options for auto loans or mortgages, our friendly team is here to assist you during these hours.

Services Offered

At the Normal City Employees branch, we offer a variety of services tailored to meet your financial needs. From checking and savings accounts to auto loans and credit cards with rewards, we're dedicated to helping you achieve your financial goals. Plus, while we currently do not have ATM or drive-thru services available, our knowledgeable staff is always ready to help you in person. While members can visit us at 100 E Phoenix Ave for all their banking needs, any official correspondence should be sent to our mailing address at 100 East Phoenix Avenue, Normal, IL 61761.

Member Eligibility

At Normal City Employees, we believe that joining our community should feel welcoming and inclusive, just like family. If you're looking to become a member, you'll find that eligibility is straightforward and designed with you in mind. Typically, individuals who live or work in the area can easily qualify. This means if you're a local resident or employed in our vibrant community, you're likely already on the right track to membership! Plus, being part of Normal City Employees comes with fantastic advantages like personalized service and competitive financial products tailored to meet your needs. To get started on your journey towards membership at Normal City Employees, simply reach out to us at (309) 433-3408. Our friendly team is here to help guide you through the process and answer any questions you may have. You can also visit our website for more detailed eligibility criteria at . We look forward to welcoming you into our supportive community at 100 E Phoenix Ave, Normal, IL 61761!

Business Banking & Commercial Services

Commercial Loans for Your Business 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 that make a difference.

Merchant Services That Make Transactions Easy

In today's fast-paced world, having reliable merchant services can set your business apart. Imagine processing payments effortlessly whether it's through credit cards or digital wallets enabling you to focus on what matters most: serving your customers. Our merchant services simplify transactions so you can enhance customer satisfaction and grow your revenue. With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses. Join us at Normal City Employees and let's take your business to the next level together! For inquiries, reach us at (309) 433-3408 during our lobby hours from 8:30 AM to 5:00 PM, Monday through Friday.

Comprehensive List Of Services

Business Banking

If you're a business owner, our dedicated business banking services, including merchant services and business loans, are designed to support your growth and operational needs. We understand the challenges businesses face and strive to provide solutions that work for you.

Digital Convenience

In today's fast-paced world, convenience is key. That's why we emphasize our online and mobile banking features that allow you to access your accounts anytime, anywhere. Whether you're checking balances or transferring funds between accounts on the go, managing your finances has never been simpler. Additionally, while we currently don't have ATM services available at this branch location, we're always looking for ways to improve accessibility for our members.

Get Started Today!

If you're ready to take advantage of these comprehensive financial services or have questions about how we can assist you further, don't hesitate to reach out! Call us at 309-433-3408 during our lobby hours from Monday through Friday between 8:30 AM and 5:00 PM. We're here to help guide you toward a brighter financial future at Normal City Employees! Visit us online at http://www.ncefcu.com for more information on all our offerings!

Loans & Credit

In addition to auto loans and mortgages, we also offer personal loans and debt consolidation options. These loans can assist you in managing unexpected expenses or consolidating multiple debts into one manageable payment. Plus, our credit cards with rewards allow you to earn while you spend making everyday purchases even more rewarding.

Personal Banking

Starting with personal banking, we offer various checking and savings accounts that can help you manage your day-to-day expenses or save for future goals. Our accounts come with features designed to make banking simple and convenient for you. If you're considering purchasing a vehicle, our auto loans and vehicle financing options are here to help you hit the road without breaking the bank. With competitive rates and flexible terms, financing your next car has never been easier. For those dreaming of homeownership or looking to refinance their existing mortgage, our mortgage loans and refinancing services provide personalized solutions. We understand that every member's situation is unique, and we're here to help you navigate the process smoothly.

Digital & Online Banking

Account Management Made Easy

Although we don't have electronic signatures or e-statements available right now, you can still stay on top of your finances with our straightforward account management tools. Keep track of your spending and savings without any hassle.

Convenient Access

Our online banking services can be found at http://www.ncefcu.com/ . With this user-friendly platform, you can check balances, view transactions, and manage your accounts with ease. While we currently do not offer mobile applications or mobile payment options, our commitment to keeping your information safe remains strong. We prioritize security in every transaction to give you peace of mind.

Stay Connected

Even though person-to-person transfers are not available at this time, we believe in making banking accessible for everyone. Our services are tailored to meet your needs and ensure that managing your finances is a simple process. At Normal City Employees, we're dedicated to providing you with reliable and convenient banking solutions. Explore what we have to offer and take control of your financial journey today!

Financial Strength

Commitment to Members

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. This member-centric approach is reflected in our impressive total of 650 share accounts, showcasing the trust placed in us by our community.

Innovative Growth Strategies

With $428,513 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. We also support your financial goals with $2,939,123 in total loans and leases, including $59 dedicated to used auto loans.

Operational Efficiency

Our operational efficiency is evident with a reported net income of $0. This enables us to continue offering competitive loan rates and solid financial products for our members. We take pride in having 0 full-time employees and 3 part-time employees ready to assist you with knowledgeable service. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Normal City Employees is your trusted partner. Visit us at 100 E Phoenix Ave Normal Il 61761 or call (309) 433-3408 to learn more about how we can help you achieve your financial goals.

Secure Savings Options

Members' savings are secured through $391,663 in share certificates, offering stable and rewarding financial growth opportunities. While we currently do not have money market shares available, our focus remains on maximizing value for our members.

Solid Financial Foundation

With a net worth of $509,161, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,080 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 $794,142 in used vehicle loans and $1,361,306 in new vehicle loans already helping members get on the road. Whether it's a reliable used car or the latest model, we have financing solutions tailored for every need.

Contact Us

If you're interested in any of our loan products or want to learn more about eligibility and refinancing options, feel free to reach out! You can visit us at our branch located at 100 E Phoenix Ave Normal Il 61761 in Normal, IL, or give us a call at (309) 433-3408 during our operating hours from Monday to Friday, 8:30 AM to 5:00 PM. Remember, 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 assist you in navigating your financial journey your next opportunity awaits at Normal City Employees!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. Currently, our Junior Lien 1-4 Family Residential Properties loans total $0, providing you with competitive terms and a straightforward process. If you're considering refinancing your existing mortgage, ask us about eligibility options that may benefit you.

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. These cards are designed to provide you with purchasing power while keeping fees low and rewards high.

Loan Aggregator

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User Trust and Testimonials

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NORMAL CITY EMPLOYEES FEDERAL CREDIT UNION - Normal, IL