Ouachita Valley Credit Union Monroe LA | Best Auto Loans & Business Banking

Introduction

Welcome to Ouachita Valley! Located at 3170 Sterlington Rd, Monroe, LA 71203, we've been serving our community since 1955 with a commitment to providing reliable financial services. As a proud member of the Ouachita Valley family, you join over 35,000 fellow members who trust us with their financial needs. At Ouachita Valley Fcu, we understand that banking is more than just transactions; it's about building relationships and supporting one another. With total assets exceeding $391 million and total deposits of $30,118,614, we are financially strong and well-equipped to help you achieve your goals, whether it's buying your first car or planning for retirement. Our friendly team, led by CEO Gary Funderburk and Board President Kathren (Katie) Pilcher, is dedicated to ensuring you feel valued every time you walk through our doors. We offer a range of services tailored to meet your needs, including personal banking options like checking and savings accounts, auto loans, mortgage loans, business banking solutions, and online banking conveniences. You can even access our services via ATM or drive-thru for quick transactions. While members can visit us at our Monroe branch, official correspondence should be sent to our mailing address: P.O. Box 1477, West Monroe, LA 71294. If you have any questions or need assistance, don't hesitate to reach out at (318) 807-1602. We invite you to explore our website at ouachitavalleyfcu.org for more information or to get started with your membership today! Your journey towards financial wellness begins here with Ouachita Valley.

Branch History & Mission

At Ouachita Valley, we take pride in our rich history and commitment to serving the community of Monroe, LA. Founded in 1955, our credit union has grown from a small local institution to a trusted financial partner for over 35,595 members. Our branch, located at 3170 Sterlington Rd, Monroe, LA 71203, has become a cornerstone of support for individuals and families looking to achieve their financial goals. From the beginning, Ouachita Valley was established with a clear mission: to provide accessible and affordable financial services while fostering a sense of community. Over the years, we have continually adapted to meet the needs of our members, offering a wide range of services including personal banking, auto loans, mortgage options, and business banking solutions. Our total assets now stand at an impressive $391,908,236, reflecting our stability and commitment to our members' financial well-being. Our mission goes beyond just numbers; it's about making a real impact in the lives of those we serve. We believe that everyone deserves the opportunity to succeed financially. That's why we focus on providing not only essential banking services but also community support initiatives that uplift those around us. Whether it's through partnerships with local organizations or outreach programs designed to educate our members about financial literacy, we aim to enrich our community. While members can visit us at 3170 Sterlington Rd, official correspondence should be sent to P O Box 1477, West Monroe, LA 71294. We are dedicated to ensuring that our branch is not just a place for transactions but a welcoming space where relationships thrive. Our operating hours are tailored for your convenience: Monday through Friday from 9:00 AM to 5:00 PM for lobby services and extended hours until 6:00 PM for drive-thru banking. We also embrace modern technology with features like online banking and mobile payments to make managing finances easier than ever. Our ATM availability ensures you have access to your funds when you need them most. Join us at Ouachita Valley and experience firsthand what it means to be part of a community-focused credit union. Together, we can navigate your financial journey and make meaningful strides towards achieving your dreams. For more information or to become a member today, please visit our website at ouachitavalleyfcu.org or call us at 318-807-1602. Your future starts here!

Branch Location & Accessibility

Convenient Access and Features

At Ouachita Valley, we understand the importance of accessibility. Our branch is equipped with ADA-compliant features, including ramps for easy entry. Parking is ample, ensuring that you can stop by without hassle. If you're in a hurry, take advantage of our drive-thru banking services, open from 8:00 AM to 6:00 PM on weekdays. For those who prefer to come inside, our lobby welcomes you from 9:00 AM to 5:00 PM. While members can visit us at 3170 Sterlington Rd for all their banking needs, official correspondence should be sent to P.O. Box 1477 in West Monroe if you need to reach us through mail.

Get in Touch!

We're excited to serve you! If you have any questions or need assistance with your banking needs, don't hesitate to call us at 318-807-1602. Stop by today and discover how Ouachita Valley can support your financial journey!

Services Tailored for You

At Ouachita Valley, we offer a range of services designed to meet your financial needs. From personal banking solutions like checking and savings accounts to auto loans and mortgage refinancing, we have you covered. Need to make a quick deposit or withdrawal? Our ATM is available on-site for your convenience. Additionally, we participate in shared services with partner credit unions, allowing members access to basic transactions across various locations.

Member Eligibility

At Ouachita Valley, we believe that everyone deserves a place where they feel supported and valued. Joining our community is simple and welcoming! If you live, work, or worship in Ouachita Parish, you're likely eligible for membership. We also invite family members of current members to join us. This means you can share the benefits of being part of a credit union that prioritizes your financial well-being, offering personalized services like checking accounts, loans, and more tailored to your needs. To get started, just visit our website at http://www.ouachitavalleyfcu.org/become-a-member for the complete eligibility details, or give us a call at (318) 807-1602 if you have any questions. Ready to open an account? You can easily start the process online by following this link: https://online.ouachitavalleyfcu.org/auth/enrollment. Join us at our branch located at 3170 Sterlington Rd Monroe La 71203, and become part of something special today!

Business Banking & Commercial Services

Commercial Loans That Fuel Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $110 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $10 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $19,644,010, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services Made Simple

In addition to loans, we offer merchant services designed to simplify transactions for your business. Imagine being able to accept payments from customers quickly and securely whether they prefer cash, card, or digital wallets. Our services help streamline your operations so you can focus on what matters most: growing your business. Visit us at 3170 Sterlington Rd Monroe La 71203 in Monroe, LA or call us at (318) 807-1602 to learn more about how we can help you achieve your business goals. Let's work together to turn your vision into reality!

Comprehensive List Of Services

Business Support When You Need It

For entrepreneurs and small businesses, our Business Banking services include essential tools like Merchant Services & Business Loans. We understand the challenges of running a business and are here to provide financial support tailored specifically for your venture.

Convenient Access Anytime

We know convenience matters to our members. That's why we offer various ways to access your accounts and manage transactions. Take advantage of our ATM & Cash Withdrawal Services, where you can withdraw cash or check balances at any time. If you're on the go, our basic drive-thru banking allows quick deposits and withdrawals without stepping inside. Additionally, if you're a member of a partner credit union, enjoy the benefit of Basic Shared Branch Transactions like deposits and withdrawals right here at Ouachita Valley.

Credit Cards That Reward You

Don't forget about our Credit Cards with Rewards, designed to give back while you spend. With every swipe, earn points that can be redeemed for travel, gift cards, and more turning everyday purchases into exciting rewards!

Financing Your Dreams

If you're considering a new vehicle or refinancing your home, Ouachita Valley has got you covered with our Auto Loans & Vehicle Financing and Mortgage Loans & Refinancing options. Picture yourself driving off in that new car you've been eyeing or settling into a cozy home with a mortgage that fits your budget perfectly. Our team is here to guide you through the process, ensuring you receive competitive rates and terms.

Get Started Today!

With so many services available at Ouachita Valley, we invite you to explore how we can help meet your financial goals. Visit us in person or call us at 318-807-1602 for any questions. Join our family today by opening an account online here or check out more about becoming a member here. Let's take this journey together towards financial success!

Personal Banking Made Easy

For those who want to manage their everyday finances smoothly, our Personal Banking services are tailored just for you. We offer various Checking & Savings Accounts designed to fit different lifestyles and needs. Imagine effortlessly tracking your expenses through our user-friendly online and mobile banking platforms. You can access your accounts anytime, anywhere whether you're checking balances or transferring funds between accounts.

Personal Loans for Life’s Unexpected Moments

Life can be unpredictable, which is why we also provide Personal Loans & Debt Consolidation services. Whether it's an unexpected expense or a plan to consolidate debts, we work with you to find solutions that help ease financial stress.

Digital & Online Banking

Accessible Anytime, Anywhere

Our goal is to make banking accessible for everyone. With our online services, you can access your account whenever it suits you whether it's early in the morning or late at night. You no longer have to wait in line; instead, enjoy real-time account management from the comfort of your home or while out and about. In today's fast-paced world, having reliable digital banking options is essential. At Ouachita Valley, we are committed to providing you with the tools you need to manage your finances efficiently while ensuring that your data remains safe and secure. Experience the convenience of modern banking today by visiting us at https://ouachitavalleyfcu.org/!

Key Features for Your Convenience

One of the standout features is our mobile application, which allows you to bank on the go. Whether you're making person-to-person transfers or paying bills with our mobile payments feature, everything is just a tap away. Plus, if you're someone who prefers keeping track of your statements electronically, we offer e-statements to help you stay organized without the clutter of paper. While some financial institutions may require electronic signature authorization for certain transactions, at Ouachita Valley, we prioritize your comfort and security. Rest assured knowing that our online banking system is user-friendly and designed with your protection in mind.

Financial Strength

Conclusion

Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Ouachita Valley is your trusted partner. Visit us at 3170 Sterlington Rd Monroe La 71203 or call (318) 807-1602 to learn more about how we can help you achieve your financial goals.

Dedicated Team

We also take pride in having 115 full-time employees and 5 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. This dedication helps create an environment where your financial needs are met with care and expertise.

Member-Focused Savings

Members' savings are secured through $109,484,850 in share certificates, offering stable and rewarding financial growth opportunities. While we currently have $0 in money market shares, our focus remains on prioritizing member needs over traditional banking practices.

Solid Financial Position

With a net worth of $50,263,794, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,280 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Strong Earnings and Lending Capacity

Our $49,610,770 in undivided earnings allows us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. With $7,218 in used auto loans and $273,091,638 in total loans and leases, our lending capacity supports members' financial goals across various sectors. Additionally, our operational efficiency is reflected in our $0, enabling us to continue offering competitive loan rates and solid financial products for our members.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $142,595,890 in used vehicle loans and $31,008,912 in new vehicle loans already helping members get on the road. We provide flexible terms tailored to fit your budget. Plus, refinancing options are available to help you lower your monthly payments or reduce your interest rate.

Business Loans

For business owners, our outstanding commercial loans totaling $19,644,010 provide the capital needed to grow and expand. Whether you need funding for equipment, inventory, or other business expenses, we have solutions tailored for your unique needs.

Credit Lines

Need extra cash for emergencies or larger purchases? Our credit lines provide you with quick access to funds when you need them most. With a total of $14,000,000 available, you can feel secure knowing that financial assistance is just a click away. At Ouachita Valley, we prioritize your financial well-being and are committed to offering transparent lending solutions. For more information on eligibility and how to apply for any of our loan products, please visit us at 3170 Sterlington Rd Monroe La 71203, call us at (318) 807-1602, or explore our website at https://ouachitavalleyfcu.org/. 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 us help you take the next step toward achieving your financial dreams!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $3,653,316, make buying or refinancing simple. Whether you're a first-time buyer or looking to refinance an existing mortgage, our team is here to guide you through the process with competitive rates and personalized service.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $5,509,086 in loans helping members manage their finances effectively. Our credit cards come with various rewards and benefits, making them a great option for everyday purchases while building your credit history.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. With so many options available, having a reliable tool to compare rates can make a significant difference in your decision-making. LendMesh ensures accurate loan comparisons by sourcing its data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards. This adherence guarantees that the offers you see are fair and transparent, based on the latest results (Source: https://www.ncua.gov). This focus on accuracy helps users feel confident in their choices. One of the standout features of LendMesh is its commitment to verified data. All loan offers are sourced from legitimate financial institutions, ensuring transparency at every step. Unlike many other platforms, LendMesh does not prioritize lenders based on paid promotions this means you receive unbiased results tailored to your needs. Additionally, LendMesh provides real-time rate comparisons, allowing users to access up-to-date loan rates from multiple institutions and make informed decisions quickly. 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!" Testimonials like this highlight the tool's effectiveness and reliability. 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.

Ouachita Valley