Old West Credit Union Baker City OR | Affordable Auto Loans & Business Banking

Introduction

Welcome to Old West, your trusted financial partner located at 2036 Broadway St, Baker City, OR 97814. Since our establishment in 1957, we have been dedicated to serving our community with a personal touch. With over 15,264 members relying on us for their financial needs, we pride ourselves on fostering relationships built on trust and reliability. At Old West, we understand the importance of having a strong financial foundation. With total assets exceeding $284 million and total deposits of $37,484,115, our commitment to your financial well-being is evident. Whether you're looking for a loan over 4,090 loans and leases are currently managed or exploring savings options, our team is here to guide you every step of the way. Led by CEO Kenneth Olson and Board President Riccola Voigt, our experienced team of 83 employees is dedicated to making your banking experience as smooth as possible. We offer a variety of services including checking and savings accounts, auto loans, mortgage financing, personal loans, and business banking solutions. While members can visit us at our branch for all their banking needs, official correspondence should be sent to the same address: 2036 Broadway St, Baker City, OR 97814-3342. If you have questions or need assistance, don't hesitate to reach out at 541-523-5535 during our lobby hours from 10 AM to 5:30 PM, Monday through Friday. Join us today and experience how Old West can help you achieve your financial goals! For more information about membership or to open an account online, please visit our website at oldwestfcu.org.

Branch History & Mission

Community Engagement

Our commitment goes beyond just serving our members; it's about giving back to the community that has supported us throughout the years. Old West actively participates in various outreach programs aimed at improving financial literacy among residents and supporting local initiatives that uplift those in need. As we look toward the future, we remain dedicated to expanding our services while staying true to our roots in Baker City. We invite you to be part of this journey! Join us at Old West and discover how we can help you achieve your financial goals while making a positive impact in your community. For inquiries or more information about becoming a member, feel free to reach out at 541-523-5535 or visit us online at Old West. Together, let's build a brighter future!

Our Mission

At Old West, our mission is simple yet profound: to empower our members through exceptional financial services while actively contributing to the growth of our community. We strive to offer a range of personal banking options such as checking and savings accounts, auto loans, mortgages, and credit cards with rewards all designed to meet diverse needs. Our dedication extends beyond just financial transactions; we aim to build lasting relationships based on trust and understanding. We also prioritize accessibility. With features like ATM availability and drive-thru banking services, we make it easy for our members to manage their finances conveniently. As technology advances, we have embraced digital banking solutions such as online banking and mobile payments to enhance your experience further.

Branch Location & Accessibility

Welcome to the Old West Baker City Branch, conveniently located at 2036 Broadway St, Baker City, OR 97814. Our branch stands ready to serve you with a friendly smile and expert assistance right in the heart of Baker County. Whether you're visiting us for personal banking, auto loans, or just to explore your options, we are here to make your experience smooth and enjoyable. You'll find our branch easily accessible, nestled near local landmarks that add to the community charm. With ample parking available, you can visit us hassle-free. We also prioritize accessibility for all our members, featuring ADA-compliant entrances and facilities that ensure everyone can access our services comfortably. At the Old West Baker City Branch, we strive to meet your banking needs with hours designed to fit your schedule. Our lobby is open from 10 AM to 5:30 PM, Monday through Friday, making it convenient for you to drop by during your day. If you prefer a more immediate transaction, take advantage of our drive-thru service for quick deposits and withdrawals without leaving your vehicle. Need cash? We've got you covered with an ATM on-site for all your withdrawal and balance-checking needs. If you're looking for personalized assistance or have questions about our services ranging from checking and savings accounts to mortgage loans and credit cards don't hesitate to call us at 541-523-5535. While members can visit us at the branch address mentioned above, any official correspondence should be sent to the same address: 2036 Broadway St, Baker City, OR 97814-3342. We look forward to welcoming you soon! Whether it's opening a new account or exploring loan options, stop by the Old West Baker City Branch today and discover how we can help you achieve your financial goals.

Member Eligibility

At Old West, we believe that everyone deserves a chance to be part of a caring and supportive community. Joining us as a member is easy and welcoming! If you live, work, or worship in Baker County, you're likely eligible to become a member. We also invite family members of existing members to join in the benefits that come with being part of our credit union family. Membership opens the door to a variety of financial products and services tailored just for you, from checking accounts to auto loans, all designed with your needs in mind. To learn more about what it takes to become a member, feel free to check out the detailed eligibility information at https://www.oldwestfcu.org/about-us/become-a-member.html. Ready to take the next step? Opening an account is straightforward just visit us online at https://my.oldwestfcu.org/enroll or give us a call at (541) 523-5535. We're located at 2036 Broadway St Baker City Or 97814, and we can't wait to welcome you into our community!

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 $613 in commercial loans for our members, helping businesses scale and succeed. This funding has empowered local entrepreneurs to expand their operations, hire more staff, and invest in new equipment. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions tailored to unique needs. - With an outstanding commercial loan portfolio of $131,553,747, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, we offer merchant services designed to simplify your payment processes. Imagine being able to accept payments seamlessly from customers whether they pay with a card, mobile app, or even online. Our services allow you to focus on what you do best: running your business. Located conveniently at 2036 Broadway St Baker City Or 97814 in Baker City, OR, our team is ready to assist you. Contact us at (541) 523-5535 to learn how we can help your business thrive!

Comprehensive List Of Services

Business Banking

For our business members, we offer comprehensive business banking services, including merchant services and business loans. Whether you're starting a new venture or expanding an existing one, we're here to support your growth with tailored financial solutions.

Convenient Access

At Old West in Baker City, we believe in making banking easy for everyone. Our ATM services ensure you can withdraw cash or check balances at any time. Additionally, our drive-thru banking allows for quick deposits and withdrawals without leaving your vehicle a perfect option for busy days! We invite you to explore all that Old West has to offer at our branch located at 2036 Broadway St Baker City Or 97814. If you have questions or would like assistance regarding any of our services, don't hesitate to call us at 541-523-5535. Ready to take the next step? Visit us online at Old West FCU or stop by today! Your financial goals are important to us; let's achieve them together!

Credit Cards

To add more convenience to your spending, consider our credit cards with rewards. Not only do they provide an easy way to manage purchases, but they also offer rewards on everyday spending making it easier for you to earn while you spend!

Home Loans

For those looking to buy or refinance a home, our mortgage loans and refinancing options can make the process smoother. Our dedicated team will guide you through each step, ensuring you understand all your choices. With personalized service and favorable rates, owning your dream home can be within reach sooner than you think.

Personal Banking

When it comes to managing your money, our personal banking services have got you covered. We offer various checking and savings accounts designed to fit different lifestyles. Whether you're starting your first account or planning for future goals, we make it easy to open an account with us. Plus, you can access your funds anytime with our online and mobile banking features, allowing you to check balances, transfer money, and pay bills from the comfort of your home.

Personal Loans

If you're facing unexpected expenses or want to consolidate debt, our personal loans are designed for flexibility. We work with you to create a loan solution that fits your needs without added stress.

Vehicle Financing

Thinking about buying a car? Our auto loans and vehicle financing options are here to help. We understand that purchasing a vehicle is a significant investment. That's why we provide competitive rates and flexible terms tailored to your budget. Imagine driving off in your dream car with manageable monthly payments that suit your financial plan.

Digital & Online Banking

Key Features

Our online banking services provide a user-friendly experience that puts you in control. You can easily view your e-statements, ensuring you have quick access to your financial records without the clutter of paper. Plus, if you're on the go, our mobile application allows you to manage your accounts right from your smartphone or tablet. Need to send money to a friend? Our person-to-person transfer feature makes it simple and fast. Just a few taps on your device, and the money is sent securely. If you're interested in making purchases directly from your phone, you'll love our mobile payments option, which makes shopping even more convenient.

Security and Support

Your security is our top priority. While we currently do not offer electronic signature authorization, rest assured that all transactions are protected with industry-standard encryption. This means that whether you're logging in from home or out and about, your information remains safe. With Old West's digital services, managing your finances has never been easier or more secure. We invite you to explore all that our online banking has to offer by visiting https://www.oldwestfcu.org/ today!

Financial Strength

A Growing Membership Base

Total Share and Deposit Accounts stand at 36,098, showcasing a strong and growing member base that trusts us with their finances. With net shares (funds available for lending) at $0, we are well-prepared to meet your needs now and into the future. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Old West is your trusted partner. Visit us at 2036 Broadway St Baker City Or 97814 or call (541) 523-5535 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.

Commitment to Growth

With $26,413,536 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 aspirations with $916 in used auto loans and $192,205,650 in total loans and leases.

Operational Efficiency

Our $184,261 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 82 full-time employees and 1 part-time employees who are always ready to assist you with knowledgeable service.

Secure Savings Options

Members' savings are secured through $21,244,359 in share certificates and $24,322,141 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.

Strong Financial Health

With a net worth of $36,207,491, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 12.71% 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

Additional Services

We also offer refinancing options across many of our loan products to ensure you're getting the best rates available. If you're interested in learning more about eligibility or how to apply for any of our loan services, please visit our website or call us directly at (541) 523-5535. 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 are here to support you every step of the way on your journey towards achieving your financial aspirations!

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $11,327,233 in used vehicle loans and $2,450,617 in new vehicle loans already helping members get on the road. Whether you're looking for financing for a brand-new model or a reliable used car, we've got options that suit your budget and lifestyle.

Business Loans

For business owners looking for growth opportunities, our outstanding commercial loans total $131,553,747. These loans provide the necessary capital for expansion or operational needs so you can focus on what matters most: running your business.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $4,569,908, making buying or refinancing simple. We believe that everyone deserves the opportunity to own a home without overwhelming financial strain. Let us guide you through the process with competitive rates and flexible terms.

Unsecured Credit Cards

Managing everyday expenses can be easier with our unsecured credit card loans. We currently have $1,300,654 in these loans available to help members effectively manage their finances. With flexible repayment terms and no collateral required, our credit cards can provide the financial cushion you need when unexpected costs arise.

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OLD WEST FEDERAL CREDIT UNION - Baker City, OR

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