OUCU Financial Credit Union Athens OH | Affordable Auto Loans & Business Banking

Introduction

Welcome to Oucu Financial Credit Union, Inc., your trusted financial partner located at 944 E State St, Athens, OH 45701. Established in 1955, our credit union has grown to serve over 26,500 members with a commitment to providing excellent financial services tailored to meet your needs. With total assets exceeding $492 million, we pride ourselves on offering competitive rates and personalized service that truly make a difference in our community. At Oucu Financial, we understand the importance of your financial journey. Whether you're looking for auto loans, mortgage options, or business banking solutions, we've got you covered with a wide range of services designed just for you. Our dedicated team of 105 employees is here to assist you every step of the way. Under the leadership of CEO Cory Corrigan and Board President Thom Luce, we are devoted to fostering a supportive environment where our members can thrive. While you can visit us at our branch for all your banking needs, official correspondence should be sent to the same address: 944 E State St, Athens, OH 45701. Feel free to reach out via phone at 740-597-2800 or fax at 740-597-2839 during our operating hours: Monday through Friday from 9:00 am to 6:00 pm and Saturday from 9:00 am to 1:00 pm. Join us today and experience the Oucu Financial difference. Visit our website at oucu.org for more information about our services and how we can help you achieve your financial goals!

Branch History & Mission

Join Us

If you're looking for a trusted partner in your financial journey, look no further than Oucu Financial Credit Union. We invite you to visit us at 944 E State St or reach out via phone at 740-597-2800. While members can visit us at this address for banking needs, official correspondence should be sent to the same mailing address. Experience the benefits of being part of a credit union that truly cares about its members and community. Explore membership options today by visiting our website or learn more about eligibility here. Join us in building a brighter financial future together!

Our Journey

Since opening our doors, Oucu Financial has made significant strides in promoting financial well-being among our members. With a total membership of 26,531 and total assets amounting to $492,089,762, we have transformed from a small credit union into a robust institution that caters to diverse financial needs. We have embraced innovation while staying true to our mission: to improve the lives of our members by offering fair and affordable financial products. Throughout our history, we have celebrated milestones that reflect our commitment to growth and community engagement. Our operating hours Monday through Friday from 9:00 AM to 6:00 PM and Saturday from 9:00 AM to 1:00 PM ensure accessibility for all. We also provide convenient services like ATM access and drive-thru banking for quick transactions.

Our Mission

At Oucu Financial Credit Union, our mission is clear: we strive to empower individuals and families with the tools they need for financial success. We believe in fostering strong relationships with our members while offering an array of products such as checking and savings accounts, auto loans, mortgage loans, personal loans, and credit cards with rewards. Every decision we make is rooted in enhancing the lives of those we serve. We take pride in being an active participant in the Athens community. Through partnerships and outreach efforts, we aim to support local initiatives that uplift those around us. Whether it's sponsoring events or providing educational resources about financial literacy, we are dedicated to making a positive impact. As part of our commitment to service excellence, we prioritize accessibility for all individuals. Our facilities are ADA compliant, ensuring everyone can benefit from our offerings without barriers.

Branch Location & Accessibility

Connect With Us

Have questions or want more information? Don't hesitate to give us a call at 740-597-2800. Our dedicated team is eager to help you with any inquiries you may have. We invite you to visit us soon experience firsthand how we can support your financial journey!

Nearby Landmarks and Accessibility

Nestled near popular landmarks like the Ohio University campus and just a stone's throw from local eateries and shops, our branch is easily accessible for everyone in the community. We understand the importance of convenience, which is why we offer ample parking space right outside our doors. Our facility is designed with accessibility in mind, featuring ADA-compliant ramps and entryways to ensure that all members can visit us comfortably.

Operating Hours

We know your time is valuable. That's why we keep our doors open Monday through Friday from 9:00 AM to 6:00 PM and on Saturdays from 9:00 AM to 1:00 PM. Whether you need help with personal banking or are looking into loan options, our friendly staff is here to assist you during these hours.

Services Offered

At Oucu Financial Credit Union, Inc., we provide a wide range of services tailored to meet your needs. From checking and savings accounts to auto loans and mortgage financing, we've got you covered. If you're on the go, take advantage of our ATM services available right here at the branch and enjoy basic drive-thru banking for quick deposits and withdrawals without leaving your vehicle.

Member Eligibility

At Oucu Financial Credit Union, Inc., we believe that everyone deserves a place to belong and grow financially. Becoming a member is easy and welcoming! If you live, work, worship, or attend school in Athens County, Ohio, you're already eligible to join our community. We strive to create an inclusive environment where you can access a range of financial services designed to help you thrive. Whether it's opening a checking account, applying for a loan, or simply seeking financial advice, we're here for you every step of the way. To get started on your membership journey at Oucu Financial Credit Union, Inc., all you need to do is check out the detailed eligibility criteria at https://oucu.myori.com/app/oao/membership . Once you're ready, you can open your account online by visiting http://www.oucu.org/borrow/home-loans/mortgageclick-apply-now or give us a call at (740) 597-2800 if you have any questions. We're located at 944 E State St Athens Oh 45701, and our friendly team looks forward to welcoming you into our family!

Business Banking & Commercial Services

Practical Merchant Services

In addition to loans, we offer merchant services designed to simplify your payment processing. Imagine having the ability to accept payments easily, whether you're at a bustling market or running an online store. Our services not only enhance customer satisfaction but also streamline your operations so you can focus on what you do best growing your business. Whether you're looking for funding options or efficient payment processing, Oucu Financial Credit Union, Inc., located at 944 E State St, Athens, OH 45701, is here to partner with you on your journey toward success. Let's make your business thrive together!

Supporting Your Business Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $208 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $241 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $28,553,678, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

ATM & Drive-Thru Services

Need cash quickly? Our ATM services offer easy access for withdrawals and balance checks without stepping inside the branch. For more complex transactions like deposits or simple withdrawals, our drive-thru service ensures you're taken care of efficiently.

Business Banking Services

For business owners in the community, Oucu Financial offers essential business banking services including merchant services and business loans. We understand the unique challenges businesses face and aim to provide solutions that promote growth and success.

Convenient Online & Mobile Banking

In today's fast-paced world, convenience is key. Our online and mobile banking platforms allow you to manage your finances from anywhere at any time. You can pay bills, transfer funds, and check account balances with just a few clicks or taps on your device.

Member Support & Accessibility

Our team is committed to providing the best possible member experience. With lobby hours from Monday to Friday 9:00 am - 6:00 pm and Saturday from 9:00 am - 1:00 pm, we are here to assist you when it's convenient for you. At Oucu Financial Credit Union, Inc., we strive to meet all your financial needs under one roof. Whether you're saving for a goal, buying a car or home, or running a business, we're here for you every step of the way. Ready to start? Visit us or call us at 740-597-2800 today!

Personal Banking Solutions

We know that managing day-to-day finances can be challenging. That's where our personal banking services come in. Whether you're looking for checking and savings accounts or need assistance with auto loans and vehicle financing, we've got you covered. If you're considering purchasing a home, our mortgage loans and refinancing options can make the process easier for you. Additionally, for those unexpected expenses or consolidating debt, our personal loans provide flexible solutions tailored to your needs.

Rewarding Credit Card Options

When it comes to spending smartly, our credit cards with rewards can help you earn back on your purchases. They are perfect for making everyday purchases while enjoying benefits that add value to your spending.

Digital & Online Banking

Accessible Online Banking

With 24/7 online banking available at https://www.oucu.org/ , you can check your account balances, transfer funds, and pay bills from the comfort of your home or on the go. Whether you're using a computer or our mobile application, managing your money has never been easier.

Go Mobile

For those who prefer banking on their smartphones, our mobile application offers all the essential features right at your fingertips. Although mobile payments are not available at this time, you'll still enjoy easy access to your accounts wherever you are. At Oucu Financial Credit Union, Inc., we strive to make your banking experience as straightforward as possible. With tools designed for real-time account management and a commitment to security, you can bank with confidence knowing we're here for you every step of the way.

Real-Time Features

Enjoy the flexibility of person-to-person transfers that let you send money to friends or family quickly and without hassle. You also have access to e-statements, which means you can view your account statements digitally keeping everything organized and easy to find.

User-Friendly Security

Your security is our priority. We provide a safe online environment for all transactions and data management. While we currently do not offer electronic signature authorization, rest assured that our systems are built with robust security measures in place.

Financial Strength

Growing Membership Base

Total Share Accounts stand at 60,762, showcasing a strong and growing member base that trusts us with their finances. Our resources are dedicated to helping you achieve your financial aspirations. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing or planning for the future, Oucu Financial Credit Union is your trusted partner. Visit us at 944 E State St Athens OH 45701 or call us at 740-597-2800 to learn more about how we can help you achieve your financial goals. *Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.*

Operational Efficiency

Our operational efficiency is highlighted by our current net income of $0, allowing us to maintain competitive loan rates and solid financial products for our members. We also take pride in having 101 full-time employees and 4 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team.

Reinvestment for Growth

With $59,882,271 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is reflected in the $383,143,626 we have allocated for total loans and leases. This includes $21,171 in used auto loans which support our members' financial goals across various sectors.

Savings Secured

Members' savings are secured through $91,004,315 in share certificates and $120,542,031 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With no non-member deposits at this time, our focus is entirely on benefiting you through better loan rates and exclusive perks.

Strong Financial Health

With a net worth of $59,882,271, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 1217 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. We have already helped members secure $27,779,681 in used vehicle loans and $14,709,383 in new vehicle loans, getting them on the road with confidence. Whether you're purchasing a new or used vehicle, our team will work with you to find the best financing option that fits your budget.

Business Financing

For business owners in need of capital to grow and expand, our outstanding commercial loans totaling $28,553,678 can provide the necessary funding to take your business to the next level. If you're interested in any of these loan products or want more information about refinancing options and eligibility requirements, please don't hesitate to reach out. You can contact us at 740-597-2800 during our operating hours from Monday to Friday 9:00 am - 6:00 pm and Saturday from 9:00 am - 1:00 pm. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. We are committed to helping you find the right loan solution tailored just for you!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $21,179,161, allowing you to invest in your future with ease. If you're looking to refinance an existing mortgage or explore eligibility options for first-time buyers, we can guide you through the process.

Unsecured Credit Cards

We also offer flexible terms on unsecured credit card loans. With a total of $27,953,831 in loans helping members manage their finances effectively, our credit cards come with rewards that add value to your spending while maintaining control over your budget.

Loan Aggregator

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OUCU FINANCIAL CREDIT UNION, INC. CREDIT UNION - Athens, OH