Old West Credit Union Union OR | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Old West, your trusted partner in financial well-being, located at 539 S Main St, Union, OR 97883. Since our establishment in 1957, we've been dedicated to supporting our community with personalized banking solutions. With a robust membership of 15,264 and total assets exceeding $284 million, we pride ourselves on offering a range of services designed for both individuals and businesses. At Old West, we understand that each member's financial journey is unique. That's why we provide a variety of products including checking and savings accounts, auto loans, mortgage financing, personal loans, and business banking options. Our commitment to you goes beyond just transactions; we aim to build lasting relationships based on trust and support. Under the leadership of CEO Kenneth Olson and Board President Riccola Voigt, our dedicated team of 83 employees is here to help you every step of the way. Whether you're looking for guidance on loans totaling over $4090, or simply want to explore your savings options with deposits reaching $37 million, we are here for you. While members can visit us at our branch location, official correspondence should be sent to the same address: 539 S Main St, Union, OR 97883. You can reach us at 541-562-7224 during our operating hours from 10 AM to 5:30 PM, Monday through Friday. Join us today at Old West! Experience firsthand how we can make a positive impact on your financial future. Visit our website at Old West FCU or give us a call we're excited to serve you!

Branch History & Mission

At Old West in Union, Oregon, we take pride in our rich history and unwavering commitment to our community. Founded in 1957, our credit union has grown from a small local initiative into a trusted financial institution serving over 15,000 members. With total assets of $284,013,650, we are dedicated to providing exceptional financial services that empower individuals and strengthen our community. Located at 539 S Main St, Union, OR 97883, our branch is easily accessible and surrounded by the beauty of Eastern Oregon. Our members can rely on us not just for banking needs but also for support and guidance as they navigate their financial journeys. Whether you need a checking account, auto loan, or business financing, our friendly team is here to assist you every step of the way. Our mission at Old West is simple yet profound: to improve the financial lives of our members while making a positive impact in the communities we serve. We believe that banking should be personal and accessible, which is why we offer a variety of services tailored to meet your unique needs. From basic savings accounts to loans for purchasing vehicles or homes, we're committed to helping you achieve your goals. While you can visit us at our branch location for all your banking needs, official correspondence should be directed to the same address: 539 S Main St, Union, OR 97883. Our operating hours are Monday through Friday from 10 AM to 5:30 PM. Plus, with ATM availability and drive-thru banking options, accessing your funds is both easy and convenient. Old West is more than just a financial institution; we are an active participant in community outreach programs and partnerships aimed at enhancing the well-being of Union residents. By investing in local initiatives and supporting various causes, we strive to create lasting positive change right where it matters most. As we look toward the future, we invite you to join us on this journey. Experience the benefits of being a member of Old West where your financial success is our priority. Visit us today or explore more about membership on our website at Old West FCU. Together, let's build a brighter future for everyone in our community!

Branch Location & Accessibility

Additional Information

While members can visit us at our branch location, official correspondence should be sent to the same address: 539 S Main St, Union, OR 97883. Should you have any questions or require assistance, feel free to call us at 541-562-7224; our friendly team is ready to help! We invite you to explore all the services we offer, including checking and savings accounts, auto loans, mortgage options, and more. Come visit us today and discover how Old West can support your financial journey!

Convenient Access and Features

At Old West, we prioritize accessibility for all our members. The branch features ADA-compliant facilities, including ramps and ample parking options to ensure everyone can visit us without hassle. If you prefer a more streamlined banking experience, our drive-thru service allows you to handle basic transactions quickly while staying in your vehicle. For those on the go, we also offer an ATM on-site for easy cash withdrawals and balance checks. Our lobby hours are tailored to fit your schedule open Monday through Friday from 10 AM to 5:30 PM making it simple for you to drop by when it's convenient for you.

Member Eligibility

Becoming a member of Old West is like joining a caring family that prioritizes your financial well-being. If you live, work, or worship in the area, you're likely eligible to enjoy all the benefits we offer. Our friendly team is here to guide you through everything you need to know about membership, making it easy and welcoming. Plus, as a member, you'll gain access to personalized services tailored to fit your lifestyle, whether that's helpful advice on loans or finding the right savings accounts for your needs. To learn more about specific eligibility requirements and how to get started, feel free to check out our detailed guide at https://www.oldwestfcu.org/about-us/become-a-member.html. Ready to take the next step? Opening an account with us is simple just visit https://my.oldwestfcu.org/enroll or give us a call at (541) 562-7224. We can't wait to welcome you into our community at Old West, located at 539 S Main St Union Or 97883!

Business Banking & Commercial Services

Loan Options for Every Business

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 Work for You

In addition to loans, we offer merchant services designed to streamline your payment processes. Whether you're running a small retail shop or a large service company, our tools make it easier for you to accept payments and manage transactions efficiently. By utilizing these services, you can focus on what you do best running your business. If you're looking for a partner who understands the local market in Union, OR, visit us at 539 S Main St Union Or 97883 or give us a call at (541) 562-7224. Let's work together to unlock your business's potential!

Comprehensive List Of Services

Convenient Access & Support

We believe convenience should be part of every member's experience. Our branch features both ATM and drive-thru services for quick deposits, withdrawals, and simple transactions right at your fingertips. If you're ever in need of assistance, feel free to call us at 541-562-7224 during our lobby hours from 10 AM to 5:30 PM on weekdays. In addition, our online banking features let you manage accounts anytime from anywhere because your time matters.

Credit Cards & Business Banking

Our credit cards come with rewards that can enhance your shopping experience while providing financial flexibility. Enjoy perks while staying within your budget! For business owners, Old West offers tailored services including merchant services and business loans. We understand how vital it is for businesses to thrive, so we partner with you to ensure you have the resources needed to grow.

Join Us Today!

At Old West, we're more than just a credit union; we're a community partner ready to help you succeed financially. Explore all the ways we can assist you by visiting us at 539 S Main St, or check out our website at oldwestfcu.org for more details on opening an account or accessing our full suite of services. Let's take this journey together join us today!

Loans Tailored to You

When it comes to financing, we understand life can throw unexpected expenses your way. That's why we provide auto loans and vehicle financing solutions that fit your budget. Whether you're purchasing a new car or refinancing an existing loan, our team is here to guide you through the process. For those looking at larger investments, our mortgage loans and refinancing options help make home ownership accessible. We know that buying a home is one of the biggest decisions you'll make, so we work closely with you to find terms that work best for your situation. If you're dealing with debt or need some extra cash, consider our personal loans for debt consolidation. These loans can help simplify your payments and reduce stress as you work towards becoming debt-free.

Personal Banking

Starting with personal banking, we offer checking and savings accounts that cater to various lifestyles and preferences. If you're saving for a special occasion or just want a safe place for your everyday spending, our accounts are designed with you in mind. Imagine having easy access to your funds through our convenient online and mobile banking platforms. With features like mobile payments and person-to-person transfers, managing your finances has never been easier.

Digital & Online Banking

Convenience at Your Fingertips

With mobile payments enabled, making purchases has become simpler than ever. You can pay for goods and services directly from your phone without the need for cash or cards. This means less hassle and more time enjoying what matters most. In today's fast-paced world, having easy access to your finances is essential. With our online banking services at Old West, managing your money is not only straightforward but also safe and efficient. So why wait? Dive into a better banking experience today!

Key Features

With our online banking platform, accessible at https://www.oldwestfcu.org/, you can check your account balance, transfer funds, and pay bills anytime you want 24/7! Our system is user-friendly, ensuring that even those who may not be tech-savvy can navigate it with ease. Plus, for those who prefer mobile banking, our dedicated mobile application allows you to handle all your banking needs right from your smartphone. Need to send money to a friend or family member? Our person-to-person transfer feature lets you do just that with a few taps on your screen. And if you want to keep track of your spending habits, e-statements are readily available so you can easily monitor your financial activities without the clutter of paper statements. Security is a top priority for us at Old West. Your information is protected with advanced security measures, giving you peace of mind every time you log in. Even though we don't currently offer electronic signature authorization, we ensure that all transactions are secure and trustworthy.

Financial Strength

A Solid 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.

Commitment to Excellence

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, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Total Share and Deposit Accounts stand at 36,098, showing a strong and growing member base that trusts us with their finances.

Member-Centric Savings

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.

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

Your Trusted Partner

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 539 S Main St Union Or 97883 or call (541) 562-7224 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. We provide flexible terms and competitive rates to fit your budget. Whether you are purchasing a brand-new vehicle or a reliable used one, our team is here to assist you every step of the way.

Business Loans

For business owners looking for capital to grow and expand their ventures, our outstanding commercial loans totaling $131,553,747 provide essential support. Whether you need funds for equipment purchases or operational costs, our team is ready to guide you through the application process.

Conclusion

At Old West Credit Union, we pride ourselves on offering personalized financial solutions that cater to your unique needs. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Connect with us today to learn more about how we can help you secure the financing you need!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $4,569,908, providing an accessible pathway for those looking to settle down in their dream home. If you're considering refinancing your current mortgage, we can discuss eligibility options tailored to your situation.

Unsecured Credit Card Loans

Managing everyday expenses can be tricky. That's why 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. Our credit cards come with rewards and benefits that make it easier for you to handle both planned and unexpected costs.

Loan Aggregator

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 users receive fair and transparent offers when comparing loans.

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency in every comparison. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results that reflect the best options available. - Real-Time Rate Comparisons: Users benefit from up-to-date loan rates from multiple institutions, making it easier to find the most competitive offers. Thousands of users trust LendMesh for their loan comparisons. One satisfied member shared, "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" To take control of your borrowing options, 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.*

OLD WEST FEDERAL CREDIT UNION - Union, OR

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