Okaloosa County Teachers CU Baker FL | Affordable Auto Loans & Quick Personal Loans

Introduction

Welcome to Okaloosa County Teachers, a trusted financial partner for our community since 1960. Nestled in the heart of Baker, FL, at 1330 14Th St, we pride ourselves on providing personalized banking services that cater to the unique needs of our members. With over 9,500 members and assets totaling an impressive $124,787,081, we are committed to ensuring your financial well-being. At Okaloosa County Teachers, we believe in building strong relationships with our community. Our dedicated team, led by CEO Jerry Maughon and Board President Gail Kaltz, works tirelessly to offer a wide range of services including personal banking, auto loans, mortgages, and business financing. We understand that every member's journey is different; that's why we take the time to listen and tailor our solutions accordingly. While you can visit us at our branch for all your banking needs, please note that any official correspondence should be sent to the same address: 1330 14th St, Baker, FL 32531-2809. With a total of $9,508,922 in deposits and a solid net worth of $12,044,647, we ensure that your money is safe and growing. Our commitment to excellence is reflected in our total loans of 5,249 and cash reserves of $1,982,248, allowing us to serve you better every day. Whether you're looking for competitive rates on loans or convenient online banking options, we have you covered. Feel free to reach out at 850-537-9815 or explore more about our offerings on our website here. Join us at Okaloosa County Teachers where your financial future is our priority!

Branch History & Mission

Join Us

As we look forward to the future, we invite you to become part of the Okaloosa County Teachers Credit Union family. Whether you're looking for a new checking account or considering financing options for your next vehicle or home purchase, we're here to support you every step of the way. Contact us today at 850-537-9815 or visit us online at Okaloosa County Teachers FCU to learn more about how we can assist you in achieving your financial aspirations. Together, let's build a brighter future for you and your family!

Our Commitment

At Okaloosa County Teachers Credit Union, we believe in making banking accessible and convenient. While members can visit us at our branch location during our operating hours of 8:30 AM to 4:30 PM Monday through Thursday and 8:30 AM to 5:00 PM on Friday, we also offer modern digital services such as online banking and mobile payments. Although we currently do not have ATM availability on-site, we do provide basic drive-thru banking services for deposits and withdrawals. Our commitment extends beyond just financial transactions; it's about enhancing the lives of our members through responsible lending practices and community engagement. We understand that everyone's journey is unique, which is why we offer personalized service designed to help you reach your goals. In addition to helping individuals manage their finances effectively, we strive for inclusivity by ensuring ADA compliance in all aspects of our operations. Our focus on accessibility means everyone can benefit from the services we provide.

Our Journey

Founded to empower teachers and support education in Okaloosa County, our credit union has grown from a small organization into a vibrant financial cooperative with over 9,500 members. As we evolved through the years, we've expanded our services to include personal banking, auto loans, mortgages, and business banking solutions. Today, our total assets stand at an impressive $124,787,081, showcasing our commitment to financial strength and stability. Throughout our history, we have focused on building lasting relationships within our community. From sponsoring educational events to partnering with local organizations for outreach programs, we strive to give back and uplift those around us. Our mission is clear: we are dedicated to providing exceptional financial services while fostering a supportive environment for all members.

Branch Location & Accessibility

Accessibility Features

Our branch is designed with your convenience in mind. We offer ample parking space and ensure that our facilities comply with ADA standards, making access easy for everyone. Additionally, our drive-thru banking service allows you to handle simple transactions without leaving your vehicle.

Get in Touch

If you have any questions or need assistance, don't hesitate to reach out! You can call us at 850-537-9815. While members can visit us at our Baker location for all their banking needs, official correspondence should be sent to the same address: 1330 14th St, Baker, FL 32531-2809. We invite you to stop by and see how we can help you achieve your financial goals!

Operating Hours & Services

We're open Monday through Thursday from 8:30 AM to 4:30 PM and Friday from 8:30 AM to 5:00 PM, ready to assist you with a wide range of services. At Okaloosa County Teachers, we offer personal banking solutions including checking and savings accounts, auto loans, mortgage loans, and credit cards with rewards. Our friendly staff is here to help you navigate your financial journey.

Member Eligibility

At Okaloosa County Teachers, we believe that everyone deserves a supportive financial community. If you're looking to join us, becoming a member is easier than you might think! Our doors are open to individuals who live, work, or attend school in Okaloosa County. This means that if you're part of our local community, you're already eligible! We welcome teachers, staff, and even family members of those affiliated with educational institutions. The benefits of membership include access to personalized banking services, competitive loan rates, and a team dedicated to helping you achieve your financial goals. To get started, simply visit us at 1330 14Th St Baker Fl 32531 or give us a call at (850) 537-9815 for more information. You can also check out the detailed eligibility criteria on our website at https://www.financial-net.com/okaloosafcu/membership/olbcmdshb220 . Once you're ready to take the next step, opening an account is straightforward and can be done online by visiting https://www.financial-net.com/okaloosafcu/ . Join us at Okaloosa County Teachers, where we're committed to your financial well-being!

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 $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

Imagine being able to accept payments effortlessly while you focus on what you do best running your business. Our merchant services simplify payment processing, allowing you to serve customers better and boost sales. From credit card transactions to online payments, we equip your business with the tools it needs to succeed. Located at 1330 14Th St Baker Fl 32531 in Baker, FL, our team is ready to partner with you on your journey to success. Call us at (850) 537-9815 or visit our website at https://okaloosafcu.org/ to learn more about how we can help your business flourish!

Comprehensive List Of Services

Business Banking

If you're a business owner, we've got you covered too! Our business banking services, including merchant services and business loans, help you manage transactions efficiently while also giving you access to funds when needed. We know running a business comes with its own set of challenges; that's why we're here to support you every step of the way.

Credit Options

Don't forget about our credit cards with rewards! These cards not only provide purchasing power but also allow you to earn rewards on your everyday spending. It's a great way to make your money work harder for you.

Customer Service Focused

At Okaloosa County Teachers, we pride ourselves on our friendly service. Our basic drive-thru banking allows for quick deposits, withdrawals, and simple transactions without leaving your car. If you have any questions or need assistance, don't hesitate to call us at (850) 537-9815 during our operating hours: 8:30 AM - 4:30 PM Monday through Thursday and 8:30 AM - 5:00 PM on Fridays. We invite you to visit us at 1330 14Th St Baker Fl 32531, explore our comprehensive list of services, and see how we can assist you in achieving your financial goals today! For more information or to open an account online, please visit our website at Okaloosa County Teachers Fcu.

Digital Banking Convenience

In today's busy world, having access to your financial information anytime, anywhere is crucial. With our robust online and mobile banking platforms, you can easily check balances, transfer funds, and pay bills right from your smartphone or computer. Plus, features like ATM and cash withdrawal services ensure that you have quick access to your funds when you're on the go.

Home Financing

For those looking to buy a home or refinance an existing mortgage, our mortgage loans cater to all kinds of buyers. We understand that purchasing a home is one of the most significant decisions you'll make, which is why we're committed to offering competitive rates and personalized support throughout the process.

Personal Banking

Our personal banking options include convenient checking and savings accounts designed to fit your lifestyle. Need extra cash? Our personal loans and debt consolidation services offer you flexible solutions that can help you manage unexpected expenses or simplify your finances. If you're dreaming of a new car, our auto loans and vehicle financing services make it easier than ever to get behind the wheel without breaking the bank.

Digital & Online Banking

Go Paperless with E-Statements

Say goodbye to piles of paperwork! We offer e-statements for those who prefer a digital approach. You'll receive secure electronic statements right in your inbox no more waiting for the mailman or worrying about lost documents.

Mobile Banking on the Go

For added convenience, our mobile application lets you manage your accounts directly from your smartphone. Whether you're making person-to-person transfers or using mobile payments at your favorite stores, everything is just a tap away. Enjoy the freedom of managing your money while out and about!

Online Banking Experience

Our online banking platform, available at https://okaloosafcu.org/ , offers 24/7 access so you can check balances, pay bills, and transfer funds whenever it suits you. The user-friendly design ensures that even if you're not tech-savvy, you'll find navigating your account simple and intuitive. Plus, with our electronic signature authorization feature, signing documents online is quick and hassle-free.

Security You Can Trust

At Okaloosa County Teachers, we take security seriously. Our online banking services are fortified with advanced security measures to ensure that your information remains safe. You can bank with confidence knowing that we've got your back. With our digital services designed for accessibility and ease-of-use, managing your finances has never been easier. Join us at Okaloosa County Teachers today and experience the future of banking firsthand!

Financial Strength

Growing Membership Base

Total Share and Deposit Accounts: 17,011, show a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $0 highlight our commitment to responsible lending practices. In summary, our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Okaloosa County Teachers is your trusted partner. Visit us at 1330 14Th St Baker Fl 32531 or call (850) 537-9815 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-Centric Savings Opportunities

Members' savings are secured through $24,045,193 in share certificates and $8,299,826 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 operational efficiency is reflected in our $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 29 full-time employees and 11 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvestment for Growth

With $11,338,873 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports your financial goals across various sectors, with $859 in used auto loans and $61,619,619 in total loans and leases available to assist you.

Solid Financial Health

With a net worth of $12,044,647, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $964 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 $11,362,343 in used vehicle loans and $34,034,278 in new vehicle loans already helping members get on the road. Whether you're buying a brand-new vehicle or a reliable used one, our financing options can make the process easier and more affordable.

Business Financing

For business owners, our outstanding commercial loans totaling $0 provide the capital needed to grow and expand. Though we currently do not have commercial loans available at this time, our team can assist you with exploring other financing options tailored for businesses when they become available.

Contact Us

To learn more about our loan products and eligibility requirements, please reach out to us at (850) 537-9815 or visit us at 1330 14th St Baker Fl 32531. Our friendly staff is ready to assist you Monday through Thursday from 8:30 AM to 4:30 PM and Friday from 8:30 AM to 5:00 PM. 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 help you take the next step toward achieving your financial dreams!

Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $2,474,777 in loans helping members manage their finances effectively. These credit cards come with beneficial features to help you handle everyday expenses while maintaining control over your budget.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $1,953,985, make buying or refinancing simple. We offer various mortgage solutions tailored to your circumstances, whether you're purchasing your first home or refinancing an existing mortgage.

Refinancing Options

If you're considering refinancing any existing loans for better terms or lower rates, our team is here to help guide you through the process. We can assess your current financial situation and suggest solutions that may lead to savings over time.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring Accurate 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 ensures that users receive fair and transparent offers. Each lender is thoroughly vetted to maintain the integrity of the comparison process.

OKALOOSA COUNTY TEACHERS FEDERAL CREDIT UNION