Ouachita Valley Credit Union West Monroe LA | Affordable Auto Loans & Mortgage Refinancing

Introduction

Welcome to Ouachita Valley, your trusted financial partner located at 1420 Natchitoches St, West Monroe, LA 71292. Since our establishment in 1955, we have proudly served our community and built a strong membership base of over 35,595 members. At Ouachita Valley, we believe in empowering our members with the tools and resources they need to achieve their financial goals. With total assets exceeding $391,908,236 and a net worth of $50,263,794, our commitment to financial stability is unwavering. We understand that every member's journey is unique; whether you're looking for personal banking solutions like checking and savings accounts or financing options such as auto loans and mortgages, we've got you covered. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to P O Box 1477, West Monroe, LA 71294-1477. Our dedicated team of 120 employees, led by CEO Gary Funderburk and Board President Kathren (Katie) Pilcher, are here to provide personalized service that meets your needs. At Ouachita Valley, we are proud of our robust lending capabilities with a total loan portfolio of 18,734 loans valued at an impressive amount. With cash reserves of $6,056,205, we are well-equipped to support our members' ambitions. Our doors are open Monday through Friday from 9:00 AM to 5:00 PM for lobby services and from 8:00 AM to 6:00 PM for drive-thru services. Whether you prefer face-to-face interactions or online banking conveniences through our website ouachitavalleyfcu.org, we're committed to ensuring your experience is seamless. Join us today and discover how Ouachita Valley can help you navigate your financial journey with confidence! For more information or assistance, feel free to call us at (318) 387-4592. Your future starts here!

Branch History & Mission

Welcome to the heart of our community, the Ouachita Valley Credit Union. Since our establishment in 1955, we have been dedicated to serving the people of West Monroe, LA, and beyond. Located at 1420 Natchitoches St, West Monroe, LA 71292, we have built a legacy of trust and support that spans over six decades. With a membership of 35,595 and total assets reaching an impressive $391,908,236, our growth reflects our commitment to providing quality financial services tailored to our members' needs. From humble beginnings, Ouachita Valley has evolved into a cornerstone institution within the community. Our mission is simple yet profound: to empower our members through accessible financial services while fostering a spirit of cooperation and community support. We believe that by helping our members achieve their financial goals, we contribute to the overall well-being of the communities we serve. At Ouachita Valley Credit Union, we pride ourselves on being more than just a financial institution. We are a partner in your journey toward financial success. Our range of services includes personal banking options like checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and business banking solutions. Additionally, we embrace digital advancements by offering online and mobile banking platforms that make managing your finances easier than ever. Our commitment extends beyond financial transactions; we actively engage in community outreach programs that strengthen local ties and improve lives. Whether it's through educational workshops or partnerships with local organizations, we strive to make a positive impact. While members can visit us at 1420 Natchitoches St, official correspondence should be sent to P.O. Box 1477, West Monroe, LA 71294-1477. Our lobby hours are from 9:00 AM to 5:00 PM (Monday to Friday), with drive-thru services available from 8:00 AM to 6:00 PM (Monday to Friday) for added convenience. We also provide ATM access for easy cash withdrawals whenever you need it. As we look ahead, our mission remains steadfast: to continue providing exceptional service while nurturing the growth and prosperity of every member in our cooperative family. We invite you to join us at Ouachita Valley Credit Union experience firsthand how we can help you reach your financial aspirations. Together, let's build a brighter future for ourselves and our community!

Branch Location & Accessibility

Finding Us

Our branch is easily accessible with ample parking available right outside. Plus, we're committed to making banking accessible for everyone; our facilities are ADA compliant, featuring ramps and designated parking spots for individuals with disabilities. While members can visit us at 1420 Natchitoches St, official correspondence should be sent to P O Box 1477, West Monroe, LA 71294-1477.

Get In Touch

We invite you to stop by or give us a call at 318-387-4592. Our friendly team is ready to help you with any questions or services you may need. Experience banking that puts you first at Ouachita Valley!

Operating Hours

We're here for you! Our lobby is open Monday through Friday from 9:00 AM to 5:00 PM, and if you prefer the drive-thru service, it's available from 8:00 AM to 6:00 PM on weekdays.

Services Offered

At Ouachita Valley, we offer a variety of services tailored to meet your needs from personal banking options like checking and savings accounts to auto loans and mortgage refinancing. We also provide business banking solutions and convenient online and mobile banking options for those who prefer managing their finances on-the-go. If you need cash quickly, our ATM is readily available for your convenience. And if you ever need assistance with basic transactions, our drive-thru service can handle deposits and withdrawals efficiently.

Member Eligibility

At Ouachita Valley, we believe that everyone deserves a chance to be part of a supportive community. Becoming a member is simple and open to individuals who live, work, or worship in the areas we serve. Whether you're looking for a reliable place to manage your finances or seeking personalized financial advice, joining us means you'll have access to a variety of services tailored just for you. To find out the specific eligibility details and ensure you meet the criteria, feel free to visit our eligibility page for comprehensive information. Once you know you're eligible, opening an account with us is straightforward! You can start your journey online by visiting our account opening page. If you have any questions or need assistance, don't hesitate to reach out at (318) 387-4592. We're here to help you every step of the way as you join our family at Ouachita Valley, located at 1420 Natchitoches St West Monroe La 71292.

Business Banking & Commercial Services

Lending Options to Fuel Your Success

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 Make Transactions Easy

In addition to loans, we offer comprehensive merchant services that simplify payment processing for your business. Imagine having the ability to accept payments seamlessly whether in-store or online making it easier for customers to choose you. Our services are designed to enhance your cash flow and streamline operations so you can focus on what matters most: growing your business. Come visit us at 1420 Natchitoches St West Monroe La 71292 in West Monroe, LA, or call us at (318) 387-4592 to explore how we can help your business reach its full potential!

Comprehensive List Of Services

Business Solutions

At Ouachita Valley, we also recognize the importance of supporting local businesses. Our business banking services include merchant services and business loans tailored to help your company thrive. Whether you're just starting out or looking to expand, we have the resources to assist you.

Connect With Us

With a commitment to serving our community since 1955, Ouachita Valley is here for all your financial needs. Whether you're a long-time member or considering joining us for the first time, we invite you to reach out. Call us at (318) 387-4592 or visit us online at Ouachita Valley Fcu for more information on how we can assist you further. Discover how we can make banking work for you!

Digital Convenience

In today's fast-paced world, convenience is key. That's why we offer comprehensive online and mobile banking services. Access your accounts anytime from anywhere with features like mobile payments, person-to-person transfers, and e-statements that keep you organized without the clutter of paper. Additionally, our ATM services ensure that you can withdraw cash or check balances whenever needed. If you prefer face-to-face interactions, our basic drive-thru banking allows for quick deposits, withdrawals, and simple transactions without leaving your car. For members of partner credit unions, our shared branch transactions mean you can also conduct deposits and withdrawals at various locations, providing even more access to your funds.

Personal Banking Made Easy

We offer a variety of personal banking options, including checking and savings accounts that fit your lifestyle. Whether you're saving for a rainy day or managing day-to-day expenses, our accounts come with features that make banking straightforward and convenient. If you're in the market for a new vehicle, our auto loans and vehicle financing options can help get you behind the wheel without breaking the bank. We also provide mortgage loans and refinancing solutions for those looking to buy their dream home or lower their monthly payments. For those who may need extra cash or wish to consolidate debt, consider our personal loans designed to give you flexibility when you need it most. Plus, our credit cards with rewards allow you to earn benefits on everyday purchases.

Digital & Online Banking

Key Services

Our online banking services are available 24/7, allowing you to check balances, pay bills, and transfer funds with just a few clicks. For those who prefer mobile access, our user-friendly mobile application brings all these features directly to your smartphone. You can even make mobile payments effortlessly, making everyday transactions a breeze. Need to send money quickly? Our person-to-person transfer feature lets you send money to friends or family in seconds, right from your phone or computer. And if you opt for e-statements, you'll enjoy the added benefit of accessing your statements digitally no more cluttered mailboxes!

Security and Ease of Use

We prioritize your security with robust measures to keep your information safe. While we currently do not offer electronic signature authorization, rest assured that our systems are designed with your protection in mind. Our goal is to provide an easy-to-use experience that empowers you to manage your finances confidently. Whether you're at home or on the go, Ouachita Valley ensures that your banking needs are met efficiently and securely. Explore all that our digital banking has to offer today!

Financial Strength

Commitment to Growth

With $49,610,770 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our capacity to support your financial goals is evident with $7,218 in used auto loans and $273,091,638 in total loans and leases.

Growing Trust

Total Share and Deposit Accounts stand at 64,356, showing a strong and growing member base that trusts us with their finances. Our net shares available for lending and investments amount to $408,973, demonstrating our commitment to providing accessible financial solutions. 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 1420 Natchitoches St West Monroe La 71292 or call (318) 387-4592 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

Members' savings are secured through $109,484,850 in share certificates, offering stable and rewarding financial growth opportunities. 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.

Operational Efficiency

Our operational efficiency is highlighted by our $0 figure, enabling us to continue offering competitive loan rates and solid financial products for our members. 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.

Solid 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. 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.

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 and competitive interest rates, making it easier for you to drive away in your desired vehicle.

Business Loans

If you're a business owner, our outstanding commercial loans totaling $19,644,010 provide the capital needed to grow and expand your enterprise. We understand the unique challenges businesses face and are here to support your journey towards success. At Ouachita Valley, we pride ourselves on providing clear information and guidance throughout the borrowing process. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. If you're interested in any of our loan offerings or want to explore refinancing options, feel free to reach out at (318) 387-4592 or visit us at 1420 Natchitoches St West Monroe La 71292 in West Monroe, LA. Let's work together towards building a brighter financial future!

Credit Lines and Unsecured Loans

For those needing a bit more flexibility, our total credit lines amount to $14,000,000, giving you access to funds whenever you need them. Additionally, we offer unsecured credit card loans totaling $5,509,086, designed to help members manage their finances effectively without putting up collateral.

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. We work with you to find the right solution that fits your budget and lifestyle. Plus, if you're considering refinancing an existing mortgage, we can guide you through the eligibility options available.

Loan Aggregator

Benefits of Using LendMesh

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How LendMesh Ensures 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 ensures that the offers you see are fair and transparent. Each comparison reflects current market conditions, allowing users to trust that they are getting accurate information.

OUACHITA VALLEY FEDERAL CREDIT UNION - West Monroe, LA