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

Introduction

Welcome to Ouachita Valley Federal Credit Union, where we are committed to serving our community in West Monroe, LA. Established in 1955, our credit union has grown alongside our members, currently boasting a total membership of 35,595. We pride ourselves on being more than just a financial institution; we're your trusted partner in achieving financial wellness. Located at 135 Well Rd, West Monroe, LA 71291, our branch is dedicated to providing personalized services tailored to meet the unique needs of our members. If you need to send official correspondence, feel free to use the same address for mailing. With total assets of $391,908,236 and total deposits reaching $30,118,614, we are well-equipped to support your financial journey. Our leadership team is here to guide you every step of the way. Led by CEO Gary Funderburk and Board President Kathren (Katie) Pilcher, our staff of 120 employees is passionate about delivering exceptional service. We offer a range of services including personal banking, auto loans, mortgages, and business banking solutions ensuring that you have access to everything you need under one roof. At Ouachita Valley Federal Credit Union, we understand the importance of trust and reliability in your financial affairs. That's why we maintain a strong net worth of $50,263,794 and keep over $6,056,205 in cash on hand. With an impressive portfolio featuring over 18,734 loans and leases, we're ready to help you turn your dreams into reality. We invite you to visit us or give us a call at 318-807-4177 for any questions or assistance. Explore how we can help you thrive financially at ouachitavalleyfcu.org. Your journey toward financial empowerment starts here!

Branch History & Mission

Join Us

As we continue on this path of growth and service, we invite you to become part of the Ouachita Valley family. Experience the benefits of membership by visiting us or exploring more about what we offer on our website at ouachitavalleyfcu.org. Together, let's build a brighter financial future!

Our Mission

At Ouachita Valley Federal Credit Union, our mission is clear: we are dedicated to improving the financial well-being of our members while fostering a spirit of community. We believe that when our members succeed, so does our community. That's why we offer personalized service tailored to individual needs and actively participate in local outreach initiatives. We are proud of our partnerships with local organizations aimed at supporting various causes within West Monroe and surrounding areas. By investing in local projects and programs, we strive to make a real difference in people's lives. While you can visit us at 135 Well Rd, official correspondence should be sent to the same address as our mailing address is identical. For any inquiries or assistance, feel free to reach out at (318) 807-4177.

Our Story

Located at 135 Well Rd, West Monroe, LA 71291, Ouachita Valley Federal Credit Union began with a mission: to empower individuals and families through accessible financial solutions. Over the years, we have evolved significantly while staying true to our roots. From expanding our loan offerings to enhancing our digital banking services, every step has been taken with our members' needs in mind. In addition to traditional banking services like checking and savings accounts, auto loans, and mortgages, we have embraced modern technology. Today, members can enjoy online and mobile banking options that make managing finances convenient and efficient. We also ensure that all physical locations are ADA compliant, providing an inclusive environment for everyone.

Branch Location & Accessibility

Welcome to the Ouachita Valley Federal Credit Union, conveniently located at 135 Well Rd in West Monroe, LA. Our branch is nestled in a friendly neighborhood, making it easy for you to drop by whenever you need assistance with your banking needs. Whether you're visiting us for personal banking, loans, or just to ask a question, we're here to help! While our physical address is 135 Well Rd, official correspondence should be sent to the same mailing address for your convenience. Just a stone's throw away from popular local spots, our branch is easily accessible and offers ample parking right outside the entrance. We pride ourselves on being ADA compliant, ensuring that everyone can access our services comfortably. Our lobby hours are designed with your schedule in mind: we're open Monday through Friday from 9:00 AM to 5:00 PM. If you prefer drive-thru services, you can visit us Monday through Friday from 8:00 AM to 6:00 PM and Saturday from 9:00 AM to 1:00 PM. We know that life can get busy, so we aim to provide flexible options that fit into your day. At Ouachita Valley Federal Credit Union, we offer a variety of services tailored to meet your financial needs. From checking and savings accounts to auto loans and credit cards with rewards, we have something for everyone. Plus, with ATM availability and drive-thru banking options, accessing your funds has never been easier. If you have any questions or would like to learn more about what we can offer you, don't hesitate to call us at 318-807-4177. We look forward to welcoming you into our community!

Member Eligibility

At Ouachita Valley, we believe that joining our credit union is like becoming part of a caring family, where your financial well-being matters most. Becoming a member is simple and open to many! If you live, work, worship, or attend school in Ouachita Parish or are related to someone who does, you're likely eligible. Our community-focused approach means we prioritize your needs and offer a range of benefits designed to enhance your financial journey. Plus, as a member, you can enjoy competitive rates on loans and savings accounts, access to online banking, and personalized service that makes you feel valued. To start your membership at Ouachita Valley, just visit us at 135 Well Rd, West Monroe, LA 71291 or give us a call at 318-807-4177 for any questions. For more detailed information about eligibility criteria, check out our website at http://www.ouachitavalleyfcu.org/become-a-member. And when you're ready to open an account, simply head over to https://online.ouachitavalleyfcu.org/auth/enrollment. We can't wait to welcome you into our community!

Business Banking & Commercial Services

Financing Your 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 That Matter

In addition to loans, our merchant services make everyday transactions easy for you and your customers. Imagine having a reliable partner who simplifies payment processing, allowing you to focus on what you do best running your business. Whether it's credit card processing or online payment options, we provide tools that fit your needs. Visit us at 135 Well Rd West Monroe La 71291 in West Monroe, LA, or give us a call at (318) 807-4177 to learn more about how our business banking services can help you thrive!

Comprehensive List Of Services

Connect With Us

We invite you to experience all that Ouachita Valley has to offer! Our friendly team is ready to assist you Monday through Friday from 9:00 AM to 5:00 PM in our lobby (or until 6:00 PM at the drive-thru) and Saturday mornings from 9:00 AM to 1:00 PM at the drive-thru as well. For any inquiries or assistance, feel free to call us at 318-807-4177. Explore more about our services by visiting our website or stop by today! We're excited to help you achieve your financial goals!

Credit Cards and Business Banking

Make everyday purchases rewarding with our credit cards with rewards. You can earn points for travel, shopping, or even cash back just by using your card for regular expenses. If you're an entrepreneur or small business owner, we have tailored offerings just for you! Our business banking services, including merchant services and business loans, aim to support your growth and success.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why at Ouachita Valley Federal Credit Union, we prioritize digital banking features. With our online and mobile banking, managing your accounts has never been easier. Check balances, pay bills, or transfer money right from your smartphone or computer. Additionally, we offer easy access to ATMs for cash withdrawals whenever you need it.

Drive-Thru Services and Shared Branching

For those who prefer face-to-face interactions without leaving their car, our basic drive-thru banking allows for deposits, withdrawals, and simple transactions in a quick manner. Plus, we participate in shared branch transactions so members from partner credit unions can conveniently access their funds through us. Whether you need assistance with deposits or balance checks at the ATM, Ouachita Valley is committed to ensuring all of your banking needs are met smoothly.

Personal Banking Solutions

Our personal banking services are designed to make managing your finances easy. We offer various checking and savings accounts that fit different lifestyles and financial goals. If you're planning to buy a new car, our auto loans and vehicle financing options can help you get on the road without breaking the bank. For those looking to purchase a home or refinance their existing mortgage, our mortgage loans provide competitive rates and flexible terms. We also understand that life can throw unexpected expenses your way; that's why our personal loans and debt consolidation solutions are available for when you need a little extra support.

Digital & Online Banking

Key Services

With our online banking platform, you can easily check your balances, transfer funds, and pay bills all from the comfort of your home or while on the go. Our mobile application makes this even simpler, allowing you to handle your finances right from your smartphone. Need to send money to a friend? Our person-to-person transfer feature lets you do just that with a few taps. Plus, if you're looking for a greener option, you'll be pleased to know we offer e-statements, so you can keep track of your finances without cluttering your mailbox.

Security and Accessibility

Your security is our top priority. While we don't currently support electronic signature authorization, we ensure that all online transactions are protected with robust security measures. Enjoy peace of mind knowing that your sensitive information is safe with us. Our 24/7 online banking services allow you to access your account at any hour. Whether it's early morning or late at night, managing your finances is just a click away. Plus, our mobile payments feature enables you to make quick purchases without pulling out your wallet just tap and go! At Ouachita Valley, we're committed to making banking as easy and accessible as possible. Experience the convenience of modern banking today!

Financial Strength

Commitment to Members

Unlike traditional banks, we prioritize our members. With non-member deposits at $400,025, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. Furthermore, with $49,610,770 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve you better.

Dedicated Team at Your Service

We also take pride in having 115 full-time employees and 5 part-time employees who are always ready to assist you. Our knowledgeable team is committed to serving your financial needs effectively.

Growing Together

As of now, we have a total of 64,356 share accounts, reflecting a strong and growing member base that trusts us with their finances. Our focus on building long-lasting relationships ensures that as you grow, we grow alongside you. 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 135 Well Rd West Monroe La 71291 or call (318) 807-4177 to learn more about how we can help you achieve your financial goals.

Member Savings Security

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 delivering value through safe investment options.

Our Financial Health

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. This solid foundation is further reflected in our net worth ratio of $1,280, which demonstrates that we are well-capitalized and ready to support our members' needs.

Supporting Your Financial Goals

Our lending capacity is significant, with $7,218 in used auto loans and $273,091,638 in total loans and leases available for our members. This means whether you're looking to buy a car or need financing for other goals, we're here to help. Our operational efficiency shines through with a net income of $0, allowing us to continue providing competitive loan rates and quality financial products tailored for you.

Loan Offering

Additional Information

If you're considering refinancing or exploring eligibility options for any of our loans, don't hesitate to reach out. Our knowledgeable staff is ready to assist you in finding the best solutions tailored to your financial situation. You can contact us at 318-807-4177 or visit us at 135 Well Rd West Monroe LA 71291 for more information on our loan products. 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 Ouachita Valley can help you take your next financial step today!

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 and competitive rates to make car ownership accessible and affordable.

Business Financing

For business owners, our outstanding commercial loans totaling $19,644,010 provide the capital needed to grow and expand. We understand the unique challenges faced by businesses and are committed to offering tailored solutions that support your success.

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 rewards and competitive interest rates that can help you save money while making everyday purchases.

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 homebuyer or looking to refinance an existing mortgage, our team is here to guide you through the process.

Loan Aggregator

Ensuring Accurate Comparisons

LendMesh guarantees accurate loan comparisons by sourcing data 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 all offers are fair and transparent. Users can trust that they are viewing legitimate loan options without hidden fees or misleading terms.

Key Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make well-informed decisions. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials highlight the effectiveness and user satisfaction associated with this tool. 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