Okaloosa County Teachers CU Laurel Hill FL | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Okaloosa County Teachers, your trusted financial partner located at 8148 4Th St, Laurel Hill, FL 32567. Since our establishment in 1960, we have been dedicated to serving the community with a personal touch. With over 9,500 members and assets totaling $124,787,081, we pride ourselves on providing exceptional financial services tailored to meet your needs. At Okaloosa County Teachers, we understand that every member's journey is unique. Whether you're looking for a new auto loan, a mortgage refinance, or simply a reliable checking account, we offer a wide range of services designed with you in mind. Our commitment to our members is reflected in our total loans of 5,249, alongside deposits exceeding $9,508,922. Our team of 40 employees is led by CEO Jerry Maughon and Board President Gail Kaltz, who both share a passion for community service and member satisfaction. We believe that financial empowerment begins at the grassroots level, and we're here to support you every step of the way. While you can visit us directly at our branch for all your banking needs, please note that official correspondence should be sent to our mailing address: 1126 N Ferdon Blvd, Crestview, FL 32536-1710. Explore our website at okaloosafcu.org for more information on how we can help you achieve your financial goals. Don't hesitate to reach out by calling us at 850-652-4717; we're ready to assist you! Join us today and experience the difference that comes from being part of a community-focused credit union.

Branch History & Mission

At Okaloosa County Teachers, we take pride in our rich history and unwavering commitment to our members and the community. Founded in 1960, this credit union has grown from humble beginnings to become a trusted financial partner for over 9,500 members in Laurel Hill, Florida. Located at 8148 4Th St, just a stone's throw from local schools and parks, our branch is easily accessible for anyone seeking financial services. Our mission is simple yet powerful: to empower our members by providing affordable financial solutions while fostering a supportive community environment. We believe that by focusing on the needs of our members primarily educators we can create a positive impact not only on their lives but also on the communities they serve. With total assets reaching an impressive $124,787,081, we remain dedicated to helping our members achieve their financial goals through personalized banking experiences. Over the years, we have embraced advancements in technology to enhance our services. Today, our members can enjoy convenient access to online and mobile banking, ensuring they can manage their finances anytime and anywhere. Our commitment to ADA compliance means that all members can navigate our services with ease. While members can visit us at 8148 4Th St for face-to-face interactions or to utilize our ATM services, official correspondence should be sent to our mailing address: 1126 N Ferdon Blvd, Crestview, FL 32536-1710. Our operating hours are designed with your convenience in mind: Monday and Tuesday from 8:30 AM to 4:45 PM, and Friday from 8:30 AM to 5:15 PM. We believe in giving back to our community. Through various outreach programs and partnerships with local organizations, we strive to support initiatives that improve education and financial literacy among residents. Whether it's sponsoring school events or hosting workshops on budgeting and saving, we are committed to making a difference. As we look towards the future, we invite you to join us on this journey. At Okaloosa County Teachers Credit Union, you're not just a member; you're part of a family that cares about your financial well-being. Discover the benefits of membership today by visiting us or exploring our website at Okaloosa County Teachers. Together, let's build a stronger community!

Branch Location & Accessibility

Accessibility Features

At Okaloosa County Teachers, we prioritize accessibility for all members. Our branch is ADA-compliant with features such as ramps and designated parking spaces, ensuring everyone can easily navigate their banking experience. We also offer ample parking right outside our doors for your convenience.

Operating Hours

We understand that life can be busy! That's why we strive to provide flexible operating hours. You can visit us Monday, Tuesday, and Friday from 8:30 AM to 4:45 PM, or stop by on Wednesday and Thursday when we're open until 5:15 PM. Our team is here to help you during these hours!

Services Offered

We take pride in offering a variety of services tailored to meet your financial needs. From personal checking and savings accounts to auto loans and mortgages, we have solutions designed just for you. Plus, enjoy the ease of online and mobile banking options that allow you to manage your finances from anywhere. For those who prefer face-to-face service, feel free to call us at 850-652-4717 with any questions or concerns. Our dedicated staff is always happy to help! So why wait? Come visit us today at Okaloosa County Teachers in Laurel Hill! We're excited to serve you and help you achieve your financial goals.

Member Eligibility

At Okaloosa County Teachers, we believe in creating a welcoming community where everyone can thrive. If you're looking to become a member, you'll be pleased to know that joining us is easy and inclusive! To qualify, you simply need to be a resident of Walton County or work for a school within the Okaloosa County School District. This means teachers, staff, and their families are all invited to join our supportive family. Not only will you gain access to a range of financial services tailored just for you, but you'll also enjoy the benefits of being part of a cooperative that truly cares about its members. For more detailed eligibility criteria, feel free to check out our website at https://www.financial-net.com/okaloosafcu/membership/olbcmdshb220 . Opening an account with us is just as straightforward! You can begin your journey by visiting our account opening page at https://www.financial-net.com/okaloosafcu/ or giving us a call at (850) 652-4717. We're here to help you every step of the way. Come visit us at 8148 4Th St Laurel Hill Fl 32567 and discover how being a member of Okaloosa County Teachers can enhance your financial future!

Business Banking & Commercial Services

Loan Options for 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. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services That Make Sense

In addition to loans, we offer merchant services that simplify payment processing. Picture this: a customer walks into your store, makes a purchase, and you can quickly process their payment without hassle. Our tools make transactions smooth and efficient, allowing you to focus on what really matters growing your business. Visit us at 8148 4Th St Laurel Hill Fl 32567 in Laurel Hill, FL, or give us a call at (850) 652-4717 to learn more about how we can support your business journey.

Comprehensive List Of Services

Business Banking Solutions

For our business members, we offer tailored solutions such as merchant services and business loans that can help grow your enterprise. We believe in supporting local businesses by providing the necessary tools and resources they need to thrive.

Connect with Us!

Whether you're just starting out or looking to expand your financial portfolio, Okaloosa County Teachers is here for you every step of the way. Feel free to reach out at (850) 652-4717 for any questions or visit us online at Okaloosa County Teachers Fcu to explore all our services further. Join us today and discover how we can help you achieve your financial dreams!

Convenient Digital Banking

In today's fast-paced world, having access to your accounts anytime is essential. Our robust online and mobile banking features allow you to check balances, transfer funds, and even make payments all from the comfort of your home or on the go. With options like ATM services for cash withdrawals and basic transactions such as balance checks, managing your money has never been easier.

Loans That Fit Your Life

Sometimes life throws unexpected expenses your way. Our personal loans and debt consolidation options are here to help you manage those costs effectively. Plus, if you're interested in earning rewards while spending, our credit cards with rewards can be a great addition to your wallet.

Personal Banking Services

We understand that managing your finances can be overwhelming, which is why we offer a variety of personal banking options. Whether you're looking to open a checking or savings account, we've got you covered with accounts that fit different lifestyles and goals. If you're planning to buy a new car or need financing for a vehicle, our auto loans and vehicle financing options can help you get on the road without breaking the bank. For those considering home ownership or looking to refinance, our mortgage loans provide competitive rates and personalized service.

Digital & Online Banking

Accessibility and Real-Time Management

We believe in making banking accessible for everyone. Our online services ensure that you can manage your finances in real-time without needing to visit a branch. The convenience of being able to check your account activity or transfer funds from the comfort of your home or wherever you may be is invaluable. Join us at Okaloosa County Teachers and experience how our digital banking services can enhance your financial journey. For more information about our offerings, visit us at https://okaloosafcu.org/ or give us a call at (850) 652-4717. We're here to support you every step of the way!

Key Features

Our commitment to security means you can bank with confidence. We utilize electronic signature authorization, allowing you to sign documents online securely without the hassle of paperwork. Plus, if you prefer to go paperless, e-statements are available for easy access and organization of your financial records. For those always on the go, our mobile application makes banking even simpler. With features like mobile payments and person-to-person transfers, sending money or paying for purchases is just a tap away. Imagine splitting a dinner bill with friends or sending cash to family without needing cash or checks it's that easy!

Financial Strength

Growing Member Base

We're grateful to have a robust member base with a total of 17,011 share accounts showing that many individuals trust us with their finances. This growing community allows us to enhance our services continually. 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 8148 4Th St Laurel Hill Fl 32567 or call (850) 652-4717 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings Options

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 efficient operations are reflected in our $0, which enables 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.

Reinvesting for Better Services

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.

Solid Financial Position

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. We provide flexible terms and competitive interest rates to make your car-buying experience smooth and straightforward.

Credit Lines

For those who prefer more flexibility in their borrowing options, our total credit lines amount to $5,500,000. This allows you to access funds when needed without having to reapply each time. Our dedicated team is here to answer any questions you may have about these products or help you navigate through eligibility requirements. You can reach us at 850-652-4717 or visit our branch located at 8148 4Th St Laurel Hill Fl 32567 for personalized assistance. 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 invite you to explore our loan offerings today and take the next step towards financial empowerment!

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 plans tailored to fit different budgets and preferences. If you're considering refinancing your current mortgage, we can guide you through the options available to ensure you find the best fit for your situation.

Unsecured 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 cards come with rewards and benefits that can help you make the most out of every purchase while keeping your spending under control.

Loan Aggregator

Benefits of Using LendMesh

- 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: Users benefit from up-to-date loan rates from multiple institutions, enabling them to select the best options available. Thousands of users trust LendMesh for 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.

How LendMesh Ensures 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 commitment ensures that all offers are fair and transparent, allowing users to make informed decisions without hidden surprises.

OKALOOSA COUNTY TEACHERS FEDERAL CREDIT UNION