Old West Credit Union Prairie City OR | Low Mortgage Rates & Personal Banking

Introduction

Welcome to Old West, your trusted financial partner located at 162 Nw Front St, Prairie City, OR 97869. Since our establishment in 1957, we have been committed to serving our community with personalized banking solutions and a member-first approach. With over 15,264 members and a robust asset base of $284,013,650, we pride ourselves on fostering a welcoming environment where you can thrive financially. At Old West, we understand that each member's needs are unique. That's why we offer a diverse range of services, from personal banking and auto loans to business financing options. Our dedicated team is here to help you navigate your financial journey with confidence. Whether you're looking for a new car loan or seeking guidance on savings strategies, we're just a phone call away at 541-820-4601. While members can visit us at our Prairie City branch, official correspondence should be sent to our mailing address at 650 W Main St, John Day, OR 97845. Under the leadership of CEO Kenneth Olson and Board President Riccola Voigt, we have built a strong foundation rooted in trust and community support. We are proud of our achievements, including managing total deposits of $37,484,115 and maintaining a net worth of $36,207,491, demonstrating our solid financial health. Join us today to discover how Old West can help you achieve your financial goals! Visit our website at Old West FCU or stop by our branch during lobby hours from 10 AM to 5 PM on weekdays. Your future starts here!

Branch History & Mission

Community Commitment

We take pride in being more than just a bank; we are actively involved in community outreach initiatives that strengthen our ties with local organizations. Through partnerships and events, we aim to uplift those around us, ensuring that everyone has access to the resources they need. As we look toward the future, we invite you to join our growing family at Old West. Experience firsthand how we can help you reach your financial dreams while being part of a supportive community. Visit us today or explore more about becoming a member on our website: https://www.oldwestfcu.org/. Together, let's build a brighter financial future!

Our Journey

Since opening our doors at 162 Nw Front St Prairie City Or 97869, we've witnessed remarkable changes in the financial landscape and have continually adapted to provide the best services possible. From humble beginnings, we have grown into a thriving credit union that prioritizes our members' financial well-being. Our location is not just an address; it's a hub where families and individuals come together to achieve their financial goals. In addition to our core services, we offer conveniences like ATM access and drive-thru banking, making it easier for you to manage your finances on the go. We believe that banking should be accessible, which is why we ensure our facilities are ADA compliant.

Our Mission

At Old West, our mission goes beyond providing standard banking services; it is about fostering a sense of community and supporting local growth. We aim to empower our members through personalized financial solutions, whether it's helping you secure an auto loan or guiding you through mortgage options. We strive to make banking straightforward and beneficial for everyone in the community. While members can visit us at 162 Nw Front St Prairie City Or 97869, official correspondence should be sent to 650 W Main St, John Day, OR 97845. Our dedicated team is here during operating hours from 10 AM to 5 PM, Monday through Friday, ready to assist with any inquiries you may have.

Branch Location & Accessibility

Accessibility and Parking

At Old West, we prioritize accessibility for all our members. Our branch features ADA-compliant entrances and ramps, ensuring everyone can visit us comfortably. Plus, ample parking is available right outside our doors, making it hassle-free for you to access our services.

Contact Us

Have questions or need assistance? Don't hesitate to reach out! Call us at (541) 820-4601 today or come by the branch we'd love to welcome you in person. Experience banking with a personal touch at Old West Prairie City Branch!

Operating Hours

We know that life gets busy, so we've designed our hours to fit your schedule. Our lobby is open Monday through Friday from 10 AM to 5 PM. Whether you need assistance with personal banking, loans, or simply want to chat about your options, our friendly staff is ready to assist you during these hours.

Services Offered

Our Prairie City Branch offers a variety of services tailored to meet your needs. From checking and savings accounts to auto loans and mortgages, we provide comprehensive solutions under one roof. Need cash? We have an ATM on-site for quick withdrawals and balance checks. If you're looking for a simple way to manage transactions, take advantage of our drive-thru banking for deposits and withdrawals without leaving your vehicle. While visiting us at 162 Nw Front St Prairie City Or 97869, keep in mind that any official correspondence should be sent to our mailing address: 650 W Main St, John Day, OR 97845.

Member Eligibility

Becoming a member of Old West is like joining a welcoming family that truly cares about your financial journey. Located at 162 Nw Front St Prairie City Or 97869, we invite you to be part of our community where your needs come first. Membership is open to anyone who lives, works, or worships in our area, as well as those with family connections to existing members. We believe that everyone deserves access to quality financial services and support, so we keep our eligibility simple and inclusive. You can find more details about the specific criteria for membership by visiting our website at https://www.oldwestfcu.org/about-us/become-a-member.html. Opening an account with us is straightforward and hassle-free! Just head over to https://my.oldwestfcu.org/enroll to get started on your path to better banking. If you have any questions or need assistance along the way, feel free to give us a call at (541) 820-4601. We're here to help you every step of the way!

Business Banking & Commercial Services

Loan Options That Empower Growth

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. - With an outstanding commercial loan portfolio of $131,553,747, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services That Make Transactions Easy

Imagine having the tools to manage payments effortlessly. Our merchant services can help streamline your operations, allowing you to focus on what you do best running your business. From credit card processing to mobile payment solutions, we provide practical support that keeps your cash flow healthy. Located conveniently at 162 Nw Front St Prairie City Or 97869 in Prairie City, OR, we're here to partner with you on your journey toward success. For more information, give us a call at (541) 820-4601. Let's work together to make your business goals a reality!

Comprehensive List Of Services

Digital Banking Convenience

We know that convenience is key in today's fast-paced world. That's why Old West offers comprehensive online and mobile banking solutions. With just a few taps on your smartphone or clicks on your computer, you can manage your accounts, transfer funds, and even make person-to-person payments effortlessly. Our ATM services are available for cash withdrawals and balance checks anytime you need them.

Drive-Thru Services

For members who prefer face-to-face interactions but want quick transactions, our basic drive-thru banking allows you to deposit money, withdraw cash, or handle simple transactions without leaving your vehicle. It's all about making banking easier for you!

Loans and Credit Options

In addition to personal loans and debt consolidation assistance, we also offer credit cards with rewards that can benefit your everyday purchases. This means you can earn while you spend! For entrepreneurs and small business owners, we provide essential business banking services, including merchant services and business loans that empower you to grow and succeed.

Personal Banking

We understand that managing finances can sometimes feel overwhelming. That's why our personal banking services include checking and savings accounts tailored to suit your individual needs. If you're looking to purchase a new car or need funds for a special project, our auto loans and vehicle financing options make it easier than ever to get behind the wheel. For those considering buying a home, our mortgage loans and refinancing services can guide you through the process smoothly.

We're Here for You

Whether you're visiting us in person or accessing our digital tools from home, Old West is committed to providing exceptional service every day. Our friendly team is ready to assist you with any questions or guidance you may need regarding our offerings. Ready to explore what we have for you? Give us a call at 541-820-4601, or visit us at our branch in Prairie City. We can't wait to welcome you into the Old West family!

Digital & Online Banking

Access Your Accounts Anytime

Our online banking platform at https://www.oldwestfcu.org/ lets you view balances, transfer funds, and pay bills all from the comfort of your home or on the go. You can enjoy 24/7 online banking services, ensuring that you have control over your financial matters whenever you need it.

Go Mobile

For those who prefer managing their finances on their smartphones, our mobile application makes it easy to stay connected. You can make mobile payments effortlessly and even send money to friends and family through person-to-person transfers. Plus, with e-statements available, you'll receive your account statements electronically saving you time and paper!

Secure & User-Friendly

Security is our top priority. While we currently don't support electronic signature authorization, rest assured that all transactions made through our platform are protected by the latest security measures. We aim to provide a user-friendly experience so that you can navigate our services without any hassle. With features like mobile payments and real-time account management at your fingertips, managing your finances has never been easier. At Old West, we're committed to making your banking experience smooth and efficient. Whether you're at home or out running errands, we've got you covered!

Financial Strength

A Trusted Partner for Your Financial Journey

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 162 Nw Front St Prairie City Or 97869 or call (541) 820-4601 to learn more about how we can help you achieve your financial goals.

Committed Team for Reliable Service

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

Investing in Your Future

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

Member-Centric 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 Foundation

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

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. We have already issued over $11,327,233 in used vehicle loans and $2,450,617 in new vehicle loans, helping members get on the road with confidence. Whether you're considering a new or used vehicle, our flexible terms make it easier for you to drive away with the right financing.

Business Financing

For business owners seeking growth opportunities, our outstanding commercial loans total $131,553,747. These loans are designed to provide the capital necessary for expansion and development.

Eligibility and Refinancing Options

If you're interested in any of these loan products or need assistance with refinancing options, please reach out to us at 541-820-4601. Our team is here to discuss eligibility requirements and help you find the best solution tailored to your needs. We invite you to visit us at Old West in Prairie City or check out our website for more information on how we can assist you with your financial journey. 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's work together towards achieving your financial aspirations!

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 strive to provide competitive rates and terms that fit your budget and help you secure your dream home.

Unsecured Credit Card Loans

Managing daily expenses can be challenging. That's why we offer flexible terms on unsecured credit card loans. With a total of $1,300,654 in loans available, we aim to help our members manage their finances effectively while enjoying the benefits of credit when needed.

Loan Aggregator

Ensuring Accurate Comparisons

LendMesh ensures accurate loan comparisons through a robust sourcing method. Loan data is gathered 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 approach guarantees that users receive fair and transparent offers, giving them confidence in their choices.

Key Benefits of Using LendMesh

- Verified Data: All loan offers come from legitimate financial institutions, ensuring transparency and reliability. - No Sponsored Listings: Unlike many comparison tools, LendMesh does not prioritize lenders based on paid promotions. The focus is solely on providing unbiased results. - Real-Time Rate Comparisons: Users benefit from up-to-date loan rates from multiple institutions, making it easier to find the best deals available. Thousands of users trust LendMesh for their loan comparisons. One satisfied member stated, "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Testimonials like this highlight the effectiveness of LendMesh in helping borrowers secure better financial options. Ready to find the best rates for your needs? Compare real-time loan offers today at LendMesh. *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.*

OLD WEST FEDERAL CREDIT UNION - Prairie City, OR

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