O.M.C. Employees Credit Union Charleston TN

Introduction

Welcome to O.m.c. Employees' Credit Union, your trusted financial partner located at 1186 Old Lower River Rd Nw, Charleston, TN 37310. Established in 1969, we have proudly served our members for over five decades, fostering a community built on trust and support. With a dedicated membership of 2,035 and total assets amounting to an impressive $28,930,612, we are committed to providing financial solutions tailored to your needs. At O.m.c. Employees' Credit Union, we understand that every member is unique. Whether you're looking for loans or savings options, our total loans and leases stand at 934, ensuring that we can cater to various financial goals. Our robust deposit base of $5,628,232 showcases the confidence our members place in us. Led by our passionate CEO, Stephanie Young, and Board President Trendel Hodges, our team of six employees is here to serve you with personalized care. We also have convenient ATM services available for your ease, ensuring that accessing your funds is simple and hassle-free. While you can visit us at our branch location for all your banking needs, official correspondence should be sent to our mailing address: PO Box 828, Charleston, TN 37310. We invite you to explore more about what we offer by visiting our website at http://omcecu.com. Whether you're considering joining our credit union or seeking assistance with your current account, we are here to help. Feel free to call us at 423-336-4331 for any inquiries. Join us in building a brighter financial future together!

Branch History & Mission

Community Focus

Our commitment extends beyond banking; we actively engage in community outreach programs designed to uplift and support those around us. By building strong partnerships within Charleston, we contribute to local initiatives that improve lives and strengthen ties among residents. While members can visit us at 1186 Old Lower River Rd Nw Charleston Tn 37310, official correspondence should be sent to PO Box 828, Charleston, TN 37310. Whether you're interested in opening an account or learning about our loan options including auto loans and credit cards we invite you to reach out or visit us today.

Join Us

If you're looking for a credit union that truly cares about your financial well-being and community involvement, look no further than O.m.c. Employees' Credit Union. Call us at (423) 336-4331 or explore more about membership on our website at omcecu.com. Experience the difference of being part of a credit union that puts you first!

Our Mission

The mission of O.m.c. Employees' Credit Union is clear: to empower our members financially while fostering a spirit of community support. We believe in not just providing financial products but also helping people achieve their dreams be it buying a home, purchasing a vehicle, or saving for retirement. We strive to be a trusted partner in every member's financial journey. We embrace modern technology with features like online banking and electronic statements, ensuring that banking with us is both convenient and secure. We prioritize ADA compliance so that everyone can access our services without barriers.

Our Story

Our journey began with a simple yet powerful idea: to provide employees of the local community with accessible and affordable financial services. Over the decades, we have adapted to the changing needs of our members while maintaining our commitment to personal service. Today, you can find us at 1186 Old Lower River Rd NW, conveniently located near landmarks that define our vibrant town. As we celebrate more than five decades of service, we've made significant strides in enhancing our offerings. Our operating hours from 7:30 AM to 4:30 PM Monday through Friday ensure that our members can access their accounts and seek assistance when they need it most. We are also proud to offer ATM services for quick and easy transactions.

Branch Location & Accessibility

Accessibility and Convenience

At O.m.c. Employees', we prioritize accessibility for all our members. Our branch features ADA-compliant facilities, ensuring that everyone can easily enter and navigate the space. We also have ample parking available right outside the entrance for your convenience. Our operating hours are designed to fit your busy schedule. We're open Monday through Friday from 7:30 AM to 4:30 PM, allowing you to stop by before or after work or during lunch breaks. We know life gets hectic, so we aim to be here when you need us!

Get in Touch

Have questions or need assistance? Don't hesitate to give us a call at 423-336-4331. Our dedicated team is eager to help you with everything from opening accounts to discussing loan options. We invite you to visit O.m.c. Employees' Credit Union and experience our welcoming atmosphere and personalized service firsthand. Your financial journey starts here!

Services Offered

We offer a variety of services tailored to meet your banking needs. Enjoy easy access to ATM services right at our branch perfect for quick withdrawals or balance checks without stepping inside. While we don't have drive-thru banking at this location, our friendly staff is always ready to assist you inside.

Member Eligibility

Joining the family at O.m.c. Employees' is a wonderful way to feel supported and valued in your financial journey. Becoming a member is easy and open to anyone who works for or is retired from eligible employers in our community, as well as their family members. If you're looking for a place that prioritizes personal service and community connection, look no further! Here at O.m.c. Employees', we provide members with a range of benefits, including competitive rates on loans and savings accounts, personalized financial advice, and access to local community events. To learn more about the specific eligibility requirements, you can check out this helpful resource: http://omcecu.com/membership.html. Once you confirm your eligibility, opening an account is a breeze! Just visit us at our branch located at 1186 Old Lower River Rd Nw Charleston Tn 37310, or give us a call at (423) 336-4331 for more information. We're excited to welcome you into our community!

Business Banking & Commercial Services

Merchant Services That Matter

Imagine being able to process payments seamlessly, manage cash flow efficiently, and have access to financial insights at your fingertips. Our merchant services empower local businesses to thrive by streamlining transactions and enhancing customer experiences. Whether you need point-of-sale solutions or online payment options, we're here to help you succeed. Visit us at 1186 Old Lower River Rd Nw Charleston Tn 37310 in Charleston, TN, or give us a call at (423) 336-4331 to learn more about how we can partner with you for success. Let's grow together!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $0 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 $0, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Banking Convenience

One of the highlights of our offerings is our ATM Services Only. With basic ATM access, you can easily withdraw cash or check your balance without stepping into the branch. This service is perfect for busy members who need quick access to their funds on-the-go.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we encourage our members to take advantage of our online banking features. With online banking, you can manage your accounts from anywhere, anytime. Check balances, transfer funds, and pay bills all with just a few clicks. Although we currently do not offer mobile payments or a mobile application, our online platform ensures that managing your finances remains straightforward and accessible.

Join Us Today!

If you're not yet a member, we invite you to learn more about joining us by visiting http://omcecu.com/membership.html. At Omc Employees Credit Union, we believe in empowering our members with the tools they need for financial success. Take the first step towards better banking by reaching out or stopping by our branch during lobby hours from 7:30 AM to 4:30 PM on weekdays. We look forward to serving you!

Member Support

Should you have any questions or require assistance, don't hesitate to reach out! Our friendly team at (423) 336-4331 is ready to help you navigate your financial needs. We pride ourselves on providing exceptional service and support to all our members.

Digital & Online Banking

Key Features

You can check your balance, transfer funds, and pay bills anytime, all from the comfort of your home or while on the go. If you need to send money to a friend or family member, our person-to-person transfer service makes it quick and easy. Plus, with electronic signature authorization, signing important documents is hassle-free, ensuring that you can complete transactions without delays. We also provide e-statements, so you can keep track of your finances in a secure and environmentally friendly way. This feature allows you to view your account statements online whenever you need them.

Security and Accessibility

Your security is our top priority. Our online banking platform employs advanced security measures to keep your information safe while providing a user-friendly experience. You can confidently manage your accounts knowing that we are committed to protecting your personal data. While we currently do not offer mobile payments or a dedicated mobile application, our website is fully optimized for mobile use. This means you can still enjoy the full range of services right from your smartphone or tablet. Join us at O.m.c. Employees' for an effortless digital banking experience designed with you in mind! For more information about our services, visit https://www.omcecu.com/ today.

Financial Strength

Dedicated Team

We also take pride in having 5 full-time employees and 1 part-time employees who are always ready to serve you with a knowledgeable and committed team. Your trust is important to us, and we're here to help you navigate your financial journey.

Growing Membership Base

Total Share and Deposit Accounts: 3,339 show a strong and growing member base that trusts us with their finances. This community spirit strengthens our ability to provide exceptional services tailored to your needs. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, O.m.c. Employees' is your trusted partner. Visit us at 1186 Old Lower River Rd Nw Charleston Tn 37310 or call (423) 336-4331 to learn more about how we can help you achieve your financial goals.

Lending Capacity

We understand that having access to loans is essential for your financial goals. With $197 in used auto loans and $13,822,774 in total loans and leases, our lending capacity supports members' financial goals across various sectors. Additionally, our $116,973 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members.

Member-Centric Focus

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. Our commitment to serving you is unwavering.

Reinvestment in Our Community

With $2,659,762 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. This means more opportunities for you as we continue to grow together.

Secure Savings Opportunities

Members' savings are secured through $7,492,677 in share certificates, offering stable and rewarding financial growth opportunities. While we do not have any money market shares at this time, our focus remains on maximizing the benefits for our members through our existing offerings.

Solid Financial Health

With a net worth of $2,776,735, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $960 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 Offerings

For those seeking additional funding solutions, our total credit lines amount to $1,000,000, providing extra flexibility when needed. If you're considering refinancing or need clarity on eligibility options, please don't hesitate to ask our team for assistance we're here to ensure you find the right fit. All performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At O.m.c. Employees', we are committed to offering competitive loan products that empower our members' financial journeys. Stop by or contact us today; let's work together towards achieving your financial goals!

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $3,448,595 in used vehicle loans and $2,713,501 in new vehicle loans already helping members get on the road. Whether you're looking for financing on a brand-new model or a reliable used vehicle, we've got options that fit your budget and lifestyle.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $311,426, make buying or refinancing simple. We aim to provide competitive rates and flexible terms that help you navigate the home-buying process with ease.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $299,541 in loans helping members manage their finances effectively. This option gives you the freedom to make purchases while enjoying manageable repayment plans.

Loan Aggregator

Benefits of Using LendMesh

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How LendMesh Ensures Accurate Loan 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 means that the offers you see are not only accurate but also adhere to established guidelines for fair lending practices. By pulling information directly from these institutions, LendMesh ensures that users receive reliable and up-to-date loan options.

Omc Employees