Old West Credit Union John Day OR | Affordable Auto Loans & Checking

Introduction

Welcome to Old West, your trusted financial partner located at 650 W Main St, John Day, OR 97845. Since our establishment in 1957, we have proudly served our community with dedication and care. With over 15,264 members and $284,013,650 in total assets, we are committed to providing you with the best financial services tailored to your needs. At Old West, we understand that each member's journey is unique. That's why we offer a wide range of products from personal banking and auto loans to business services all designed to help you achieve your financial goals. Whether you're looking to purchase a new vehicle or need assistance with a mortgage, our experienced team is here to guide you every step of the way. Our leadership team, led by CEO Kenneth Olson and Board President Riccola Voigt, believes in fostering strong relationships within our community. We take pride in not only supporting our members but also contributing positively to the local economy. While members can visit us at 650 W Main St, official correspondence should be sent to the same address. Feel free to reach out to us at 541-575-0264 for any questions or concerns. We invite you to explore all that Old West has to offer by visiting our website at oldwestfcu.org. Join us on this journey towards better financial health because at Old West, you're more than just a member; you're part of our family!

Branch History & Mission

Community Commitment

At Old West, we believe that being a good neighbor goes beyond just banking; it means actively participating in community outreach initiatives. We partner with local organizations to support various causes that uplift our community and foster growth. Our drive-thru banking services and ATM availability enhance convenience for members who rely on us for their daily financial needs. While members can visit us at 650 W Main St, official correspondence should be sent to the same address for consistency. Our dedicated team is here during lobby hours from 10 AM to 5:30 PM Monday through Friday and from 9 AM to noon on Saturdays.

Join Us

As we continue this journey together with you, we invite you to become part of the Old West family. Experience firsthand how our mission translates into real benefits for you and your loved ones. Whether you're looking for financial advice or simply need assistance with transactions, we are here for you every step of the way. Come by or give us a call at (541) 575-0264 today! Let's build a brighter future together at Old West in John Day.

Our Journey

Since opening our doors, Old West has continually evolved to meet the needs of our growing membership base, which currently stands at an impressive 15,264 members. We have seen significant growth in total assets, now amounting to $284,013,650, reflecting our dedication to providing secure and reliable financial services. Our mission has always been clear: to empower individuals and families by offering a range of personal banking solutions including checking and savings accounts, auto loans, mortgages, and credit cards with rewards. Over the years, we have embraced advancements in technology while ensuring that our services remain accessible to everyone. With features like online banking and mobile payments, we strive to make managing finances convenient for all members. Additionally, we maintain ADA compliance throughout our facilities to ensure that everyone can access our services without barriers.

Branch Location & Accessibility

Accessibility Features

Our branch is designed with accessibility in mind. You'll find ample parking available, including spaces close to the entrance for those who may need them. The building complies with ADA standards, featuring ramps and other accommodations to ensure everyone can access our services easily.

Friendly Call-to-Action

We invite you to stop by the Old West branch today! If you have any questions or would like more information about our services, feel free to call us at 541-575-0264. Our dedicated staff looks forward to welcoming you and helping you achieve your financial goals!

Operating Hours and Services

We know that your time is valuable. That's why we offer convenient banking hours from 10 AM to 5:30 PM on weekdays and drive-thru service on Saturdays from 9 AM until noon. Whether you prefer a face-to-face interaction or a quick drive-thru visit, we have options that fit your schedule. At Old West, we provide a variety of services tailored to meet your financial needs. From personal banking solutions like checking and savings accounts to auto loans and mortgage refinancing, our team is here to help you every step of the way. Plus, enjoy easy access to ATMs for cash withdrawals and balance checks whenever you need them!

Member Eligibility

Becoming a member of Old West is like stepping into a supportive community where your financial well-being is prioritized. To join us at our John Day branch located at 650 W Main St John Day Or 97845, you simply need to meet a few friendly eligibility criteria. If you live, work, worship, or attend school in Grant County, you're already on the right track! We also welcome immediate family members of current members, making it easy for families to benefit from our personalized services. For more detailed information about eligibility, feel free to visit our resource page at https://www.oldwestfcu.org/about-us/become-a-member.html. Once you know you qualify, opening an account is a breeze! You can start the process online by visiting https://my.oldwestfcu.org/enroll, or if you prefer a personal touch, give us a call at (541) 575-0264. At Old West, we're excited to help you achieve your financial goals and enjoy all the perks that come with membership. Join us today and experience the difference of being part of a credit union that truly cares!

Business Banking & Commercial Services

Practical Merchant Services

In addition to loans, we offer merchant services designed to simplify daily operations. Imagine easily accepting payments from customers through various channels whether online or in-person. Our solutions ensure you can focus on what matters most: growing your business. Located at 650 W Main St John Day Or 97845 in John Day, OR, our team is ready to help you thrive. Contact us at (541) 575-0264 to explore how we can support your business journey!

Tailored 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. - 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 $131,553,747, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

ATM and Drive-Thru Services

Need quick access to cash? Our ATM & Cash Withdrawal Services make it easy for you to get what you need without hassle. Plus, enjoy the ease of our Basic Drive-Thru Banking, where simple transactions like deposits and withdrawals can be done swiftly while you're on the go. At Old West, we believe that banking should be straightforward and accessible for everyone. If you're ready to explore how we can assist you further, don't hesitate to reach out! Give us a call at (541) 575-0264 or visit us at our branch for personalized service that puts your needs first. Let us partner with you on your financial journey because at Old West, your success is our priority!

Business Banking Support

For entrepreneurs and business owners, Old West offers comprehensive Business Banking solutions. Our Merchant Services & Business Loans can help you manage cash flow and invest in growth. We know running a business comes with its challenges, so we're here to provide tailored support when you need it most.

Convenient Digital Banking

In today's fast-paced world, convenience is key. That's why we offer robust Online & Mobile Banking features that let you manage your accounts anytime, anywhere. Whether you're checking balances, making transfers, or paying bills, our digital tools simplify banking tasks so you can focus on what matters most.

Credit Card Rewards

Don't forget about our rewarding Credit Cards with Rewards! These cards not only give you purchasing power but also allow you to earn rewards on everyday purchases, making each transaction count towards something special.

Personal Banking Solutions

Whether you're just starting out or planning for the future, our personal banking services have got you covered. You can choose from various Checking & Savings Accounts that fit your lifestyle, allowing you to manage your money easily. For those dreaming of a new car, our Auto Loans & Vehicle Financing options make it simple and affordable. Imagine driving off in your dream vehicle with a loan tailored just for you! If homeownership is on your horizon, consider our Mortgage Loans & Refinancing services. We strive to provide competitive rates and personalized guidance throughout the home buying process. Additionally, if you're looking to consolidate debt or fund a personal project, our Personal Loans & Debt Consolidation options can help ease the burden.

Digital & Online Banking

Convenience at Your Fingertips

Our mobile payments feature lets you make purchases quickly and easily no need to dig through your wallet for cash or cards. Everything is designed with ease of use in mind so that you can focus on what matters most in your life. Whether you're managing daily expenses or planning for future goals, Old West is here to support you every step of the way with tools that make banking accessible and convenient. Experience the benefits of modern banking today!

Key Services

With our online banking platform available at https://www.oldwestfcu.org/, you can access your accounts 24/7. Check your balances, transfer funds, and even pay bills without stepping foot in the branch. If you prefer mobile banking, our user-friendly mobile application allows you to do everything from making payments to viewing your statements directly from your smartphone. For those moments when you need to send money quickly, our person-to-person transfer feature makes it simple to send cash to friends or family with just a few taps. Plus, if you're looking for a more eco-friendly option, you can enjoy e-statements that keep your account records organized without the clutter of paper.

Security You Can Trust

We prioritize your safety with secure logins and transactions, so you can feel confident every time you use our services. While we don't offer electronic signature authorization just yet, we are committed to keeping your information safe and sound.

Financial Strength

Commitment to Growth and Innovation

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 members' financial goals across various sectors with $916 in used auto loans and $192,205,650 in total loans and leases.

Member-Centric Savings Solutions

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.

Operational Efficiency

Our commitment to efficiency is reflected in our $184,261, which enables 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, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Solid Financial Foundations

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.

Strong Community Trust

Total Share and Deposit Accounts: 36,098, showing a strong and growing member base that trusts us with their finances. 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 650 W Main St John Day Or 97845 or call (541) 575-0264 to learn more about how we can help you achieve your financial goals.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $11,327,233 in used vehicle loans and $2,450,617 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 have financing solutions that fit your budget.

Commercial Loans

For business owners, our outstanding commercial loans totaling $131,553,747 provide the capital needed to grow and expand. We understand the unique challenges businesses face and are here to support your entrepreneurial journey with tailored financing options. If you're considering refinancing any existing loans or unsure about eligibility, our knowledgeable staff at Old West, located at 650 W Main St John Day Or 97845 in John Day, OR, can guide you through the process. Feel free to reach out at (541) 575-0264 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. Explore how our loan products can benefit you today!

Credit Lines and Unsecured Loans

For those looking for flexibility in managing their finances, we provide total credit lines amounting to $43,932,273. This allows you to access funds whenever needed without the hassle of applying for a new loan each time. Additionally, we also offer flexible terms on unsecured credit card loans, with a total of $1,300,654 in loans helping members manage their finances effectively.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $4,569,908, make buying or refinancing simple. We offer various terms to match your financial situation and help you take this significant step toward owning your home.

OLD WEST FEDERAL CREDIT UNION - John Day, OR

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