Okaloosa County Teachers CU Niceville FL | Affordable Auto Loans & Low Mortgage Rates

Introduction

Welcome to Okaloosa County Teachers, a trusted financial partner in the heart of Niceville, Florida! Established in 1960, we have been dedicated to serving our community for over six decades. Located at 1003A John Sims Pkwy E, we are proud to offer a range of financial services tailored to meet the needs of our 9,546 members. At Okaloosa County Teachers, we believe that your financial well-being is our top priority. With total assets amounting to an impressive $124,787,081 and total deposits reaching $9,508,922, we stand ready to help you achieve your financial goals. Our commitment extends beyond numbers; we strive to make a positive impact in our community by providing personalized banking solutions. Our leadership team, headed by CEO Jerry Maughon and Board President Gail Kaltz, is passionate about fostering strong relationships with our members. We employ 40 dedicated staff members who are always eager to assist you with your banking needs. Whether you're looking for checking and savings accounts, auto loans, or business banking services, we're here to guide you every step of the way. While members can visit us at 1003A John Sims Pkwy E, official correspondence should be sent to our mailing address at 202 Highway 85N Suite 100, Niceville, FL 32578. Feel free to reach out to us at 850-729-3934 or check out our website at okaloosafcu.org for more information about our services and how we can support you. Join us today and experience the difference a member-focused credit union can make!

Branch History & Mission

Join Us

Our story is one of growth fueled by community spirit and member dedication. We invite you to join Okaloosa County Teachers and experience firsthand how we can help you achieve your financial goals. Discover the benefits of membership today by calling us at 850-729-3934 or visiting our website at okaloosafcu.org. Together, let's build a brighter financial future!

Our Journey

Founded to meet the financial needs of educators in Okaloosa County, our branch has evolved significantly over the years. From our humble beginnings to becoming a trusted financial partner for over 9,500 members, we have always prioritized community and personal service. Located conveniently at 1003A John Sims Pkwy E, Niceville, FL 32578, our branch is easily accessible for all your banking needs. As we grew, so did our commitment to providing quality financial services. Today, with total assets exceeding $124 million, we offer a range of products designed to help our members thrive. Whether you need checking and savings accounts, auto loans, or credit cards with rewards, we aim to empower you with financial solutions tailored to your life.

Our Mission

At Okaloosa County Teachers, our mission is straightforward: to enhance the financial well-being of our members while supporting the community we serve. We believe that by providing exceptional financial services alongside community support initiatives, we can make a real difference in people's lives. This commitment extends beyond banking; it includes partnerships with local organizations and schools to foster growth and opportunity within Niceville and surrounding areas. We pride ourselves on being accessible and user-friendly. Our operating hours are Monday through Thursday from 8:30 AM to 4:30 PM and Friday from 8:30 AM to 5:00 PM, making it convenient for you to visit us. Plus, with ATM availability and drive-thru banking services, your banking experience is efficient and hassle-free. While members can visit us at 1003A John Sims Pkwy E, official correspondence should be sent to 202 Highway 85N Suite 100, Niceville, FL 32578.

Branch Location & Accessibility

Accessibility Features

We prioritize accessibility for all our members. Our branch is fully ADA compliant with ramps and spacious entrances designed to accommodate everyone comfortably.

Connect With Us

Have questions? Our friendly team is just a phone call away at 850-729-3934. We invite you to visit us soon experience firsthand how we can support your financial journey!

Operating Hours

We're here for you during convenient hours: Monday through Thursday from 8:30 AM to 4:30 PM and on Friday from 8:30 AM to 5:00 PM. These hours are tailored to fit your busy schedule whether you're visiting before work or on your lunch break.

Services Offered

At Okaloosa County Teachers, we offer a range of services designed with your needs in mind. From personal banking options like checking and savings accounts to auto loans, mortgage loans, and even credit cards with rewards, we've got something for everyone. For those looking for business solutions, we provide merchant services and business loans too! Plus, enjoy the convenience of ATM access and drive-thru banking for quick transactions without leaving your car.

Member Eligibility

Joining the Okaloosa County Teachers community means becoming part of a supportive network that values education and service. At our branch located at 1003A John Sims Pkwy E, Niceville, FL 32578, we welcome anyone who works or lives in Okaloosa County, including teachers and their families. If you're looking for a financial partner that understands your needs, you're in the right place! To learn more about the specific eligibility criteria, feel free to visit our resource page at https://www.financial-net.com/okaloosafcu/membership/olbcmdshb220 . Becoming a member is simple and straightforward. You can open your account online by visiting https://www.financial-net.com/okaloosafcu/ . If you have any questions or need assistance, don't hesitate to give us a call at 850-729-3934. We're here to help you every step of the way!

Business Banking & Commercial Services

Empowering Business Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. While we currently have $0 in outstanding commercial loans, we are eager to expand our support for local entrepreneurs and established companies alike. Though we have not yet funded member or non-member commercial loans, we're excited about the potential to grow these offerings in the future. We know that every business has unique needs, and flexible financing can make all the difference in achieving success.

Merchant Services Made Easy

In addition to our loan options, Okaloosa County Teachers offers comprehensive merchant services designed to simplify payment processing for your business. Imagine accepting payments from customers seamlessly, whether they prefer cash, credit cards, or mobile payments. Our services help streamline transactions so you can focus on what really matters growing your business. Discover how Okaloosa County Teachers can support your business journey today by visiting us at 1003A John Sims Pkwy E Niceville Fl 32578, Niceville, FL 32578 or calling us at (850) 729-3934. Let's work together to turn your vision into reality!

Comprehensive List Of Services

Business Banking

If you're a business owner, we haven't forgotten about you! Our business banking services, including merchant services and business loans, are crafted to help you grow your enterprise. We understand the challenges small businesses face, so we aim to provide flexible solutions that help you thrive in today's market.

Credit Cards and Rewards

Our members enjoy credit cards that not only meet their spending needs but also come with attractive rewards. With every purchase, you earn points that can be redeemed for exciting rewards, making your spending more rewarding than ever.

Digital Banking Convenience

In today's fast-paced world, convenience matters. That's why we offer robust online and mobile banking features. Whether you're checking your balance on the go or making payments from the comfort of your home, our digital platforms make banking easy and accessible. You can also take advantage of our ATM services for quick cash withdrawals and balance checks whenever you need them.

Drive-Thru Services

For those who prefer in-person interactions but want to minimize wait times, we provide basic drive-thru banking services for deposits, withdrawals, and simple transactions. This service allows you to handle essential banking tasks quickly while enjoying the same friendly service you've come to expect from us. At Okaloosa County Teachers, we're committed to meeting all your financial needs under one roof. Explore these services today and discover how we can help you reach your financial dreams! Visit us online at Okaloosa County Teachers Fcu or give us a call at (850) 729-3934 we're here for you!

Personal Banking

Managing your everyday finances is simpler with our personal banking options. We offer checking and savings accounts that cater to various lifestyles, ensuring you have the right tools to save effectively and manage your spending. If you're considering buying a new car or upgrading your current vehicle, our auto loans and vehicle financing options are designed with competitive rates to get you on the road without breaking the bank. When it comes to purchasing a home, we provide comprehensive mortgage loans and refinancing solutions tailored to fit your budget. Whether you're a first-time homebuyer or looking to refinance your existing mortgage for better terms, our experienced staff will guide you through the process smoothly. For those unexpected expenses or planned purchases, consider our personal loans and debt consolidation options. These services can help simplify your financial situation by combining multiple debts into one manageable payment.

Digital & Online Banking

Convenient Features

Keeping track of your financial health has never been easier with e-statements available right at your fingertips. Say goodbye to paper clutter! You can view your statements securely online whenever you need them. And if you're worried about signing important documents, rest assured that we offer electronic signature authorization for added convenience. For those who prefer managing their finances from their smartphones, our mobile application is user-friendly and packed with features. From mobile payments to viewing transactions on the go, you'll have everything you need right in your pocket.

Security and Accessibility

Your security is our top priority. Our digital banking services are designed with robust security measures to protect your personal information. You can bank with confidence knowing that your data is safe. With all these features combined like mobile payments, real-time account management, and easy access through both online banking and our mobile app Okaloosa County Teachers ensures that managing your money is not only straightforward but also secure. Embrace the convenience of modern banking today!

Financial Strength

Committed to Growth and Support

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 members' financial goals across various sectors with $859 in used auto loans and $61,619,619 in total loans and leases. 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.

Growing Together

Total Share and Deposit Accounts stand at 17,011, showing a strong and growing member base that trusts us with their finances. This reflects the confidence our community has placed in us as their trusted partner in achieving their financial dreams. 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 1003A John Sims Pkwy E Niceville Fl 32578 or call (850) 729-3934 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings Solutions

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.

Solid Financial Foundation

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 purchasing a brand-new model or a reliable used vehicle, we can help make the process smooth and affordable.

Credit Lines and Personal Financing

For those looking for flexibility in managing their finances, we provide credit lines with a total of $5,500,000 available. This option allows you to borrow as needed while only paying interest on the amount you use. Additionally, we offer unsecured credit card loans totaling $2,474,777. These cards come with flexible terms that can help you manage everyday expenses effectively. If you're considering refinancing any existing loans or exploring eligibility options for our various loan products, feel free to reach out to us for more information. Our branch is conveniently located at 1003A John Sims Pkwy E, Niceville, FL 32578, and we're here to assist you from 8:30 AM - 4:30 PM Monday through Thursday and until 5:00 PM on Fridays. For inquiries or assistance regarding any of our loan offerings, please don't hesitate to call us at 850-729-3934. 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 towards achieving your financial dreams!

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 competitive rates and flexible terms tailored to fit your budget and lifestyle.

Loan Aggregator

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Ensuring Accurate Comparisons

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OKALOOSA COUNTY TEACHERS FEDERAL CREDIT UNION - Niceville, FL