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 90 S Shafer St, Athens, OH 45701. Since our establishment in 1955, we have been committed to serving our community with a range of financial services tailored to meet the needs of our 26,531 members. With total assets amounting to an impressive $492,089,762, we strive to provide stability and growth for your financial journey. At Oucu Financial, we understand that every member has unique goals. That's why we offer personal banking options including checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and business banking services. Whether you're looking to buy a new car or finance your dream home, we're here to guide you every step of the way. Our dedicated team is led by CEO Cory Corrigan and Board President Thom Luce, both of whom share a passion for helping our members achieve their financial aspirations. With a total workforce of 105 employees, we ensure that you receive personalized service whenever you need it. While members can visit us at our branch location, official correspondence should be sent to PO Box 476, Athens, OH 45701. Feel free to reach out via phone at 740-597-2800 or send us a fax at 740-597-2839 during our operating hours from Monday to Friday, 8:00 AM to 5:00 PM. At Oucu Financial Credit Union, we take pride in being more than just a financial institution; we're a part of the community. Our commitment goes beyond numbers our focus is on fostering relationships and empowering our members with the tools they need for success. With total loans exceeding 18,922 and deposits reaching $15,692,839, we're well-equipped to support your needs. Join us today and experience the difference that comes with being part of a credit union that truly cares about its members. Visit us online at oucu.org or stop by our branch to learn more about how we can help you thrive financially!

Branch History & Mission

Welcome to the story of Oucu Financial Credit Union, Inc., where community and service have been at the heart of our mission since we first opened our doors in 1955. Located at 90 S Shafer St, Athens, OH 45701, our branch has grown alongside our vibrant community, now proudly serving 26,531 members with a commitment to financial wellness and support. From our humble beginnings, we have evolved into a trusted financial partner for families and businesses alike. Over the years, we have embraced innovation while remaining true to our roots offering personal banking solutions tailored to meet the diverse needs of our members. As we stand today with total assets reaching an impressive $492,089,762, it's clear that our dedication to excellence is recognized by those we serve. Our mission goes beyond providing financial services; it is about fostering relationships and uplifting the community. We believe in empowering individuals through education and access to resources. This commitment shines through in everything we do from offering competitive auto loans and credit cards with rewards to facilitating mortgage loans and personal loans for debt consolidation. While members can visit us at 90 S Shafer St, official correspondence should be sent to PO Box 476, Athens, OH 45701. Our branch features convenient amenities such as an ATM and drive-thru banking services, ensuring you can access your finances easily during our operating hours from Monday to Friday, 8:00 am - 5:00 pm. At Oucu Financial Credit Union, we are more than just a financial institution; we are a part of your journey toward achieving your goals. We actively participate in local outreach efforts and partnerships that enhance the well-being of our neighbors. Whether it's supporting local events or providing resources for financial literacy, we strive to make a positive impact on the lives of those around us. Join us today! Experience firsthand the benefits of being part of a community-focused credit union that prioritizes your needs. Let's build a brighter future together. For more information about membership or services, please call us at 740-597-2800 or visit our website at oucu.org.

Branch Location & Accessibility

Get in Touch!

If you have any questions or need assistance, don't hesitate to reach out! You can give us a call at (740) 597-2800. We invite you to stop by and discover how Oucu Financial Credit Union, Inc. can help you achieve your financial goals. Your community bank is here for you!

Operating Hours and Services

Our friendly team is here to assist you from Monday to Friday, 8:00 am to 5:00 pm. We pride ourselves on offering a variety of services tailored to meet your needs from checking and savings accounts to auto loans and credit cards with rewards. Need cash? We have an ATM on-site for quick withdrawals, and our drive-thru service allows for simple transactions without leaving your car. While members can visit us at 90 S Shafer St Athens Oh 45701, official correspondence should be sent to our mailing address at PO Box 476, Athens, OH 45701.

Parking and Accessibility

We understand that accessibility is key. At Oucu Financial Credit Union, Inc., you'll find ample parking available right outside our doors, making it easy for you to visit us. Our branch is also ADA compliant, featuring ramps and other accessibility options to ensure everyone can comfortably access our services.

Member Eligibility

Joining the Oucu Financial Credit Union, Inc. is like stepping into a warm community where your financial needs are understood and prioritized. If you're wondering about eligibility, you'll be pleased to know that membership is open to anyone who lives, works, worships, or attends school in Athens County. This means whether you're settling down here or just passing through, you can become part of our supportive family. We offer a range of benefits designed to help you thrive financially, from competitive loan rates to personalized service. To get started on your journey toward membership at our branch located at 90 S Shafer St, Athens, OH 45701, simply check out the detailed eligibility criteria available at this link. The process is straightforward just reach out to us at 740-597-2800 for any questions or visit our website for more information on how to open an account and enjoy all the perks we have to offer!

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 $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.

Merchant Services Tailored for You

Imagine being able to accept payments easily while managing your cash flow efficiently. Our merchant services help you do just that, allowing you to focus on what truly matters growing your business. From credit card processing to mobile payment solutions, we provide the tools that make transactions smooth and customer experiences positive. Located at 90 S Shafer St Athens Oh 45701 in Athens, OH, we invite you to explore how our tailored services can help your business thrive. For more information, give us a call at (740) 597-2800 or visit our website at oucu.org.

Comprehensive List Of Services

ATM & Drive-Thru Services

Need cash in a hurry? Our ATM access allows you to withdraw cash or check your balance quickly without stepping inside the branch. Plus, if you're looking for personal service but are short on time, our basic drive-thru banking offers easy deposits and withdrawals without leaving your vehicle. At Oucu Financial Credit Union, Inc., we strive to make banking as straightforward as possible so that you can focus on what truly matters your life and goals. We invite you to visit us at 90 S Shafer St Athens Oh 45701 in Athens, OH or give us a call at (740) 597-2800 during our operating hours from Monday to Friday, 8:00 AM - 5:00 PM. Explore how we can support you with all of your financial needs today!

Business Banking Services

For our business members, we offer tailored solutions including merchant services and business loans. Whether you're just starting out or looking to expand, we have the resources you need to succeed.

Convenient Digital Banking

In today's fast-paced world, convenience is key. That's why we've invested in our online and mobile banking platforms. Access your accounts anytime, anywhere! You can check balances, transfer funds, and even use our person-to-person payment service easily from your phone or computer.

Credit Cards with Rewards

Don't forget about our credit cards with rewards, which allow you to earn points while making everyday purchases. This is an excellent way to maximize your spending power and enjoy perks that come with being a member at Oucu Financial Credit Union, Inc..

Personal Banking Solutions

Our personal banking services are designed with you in mind. Open a checking or savings account that suits your lifestyle and watch your money grow. We also offer personal loans and debt consolidation options, making it easier for you to take control of your financial situation when life throws unexpected expenses your way. If you're thinking about buying a car, consider our auto loans and vehicle financing options. We provide competitive rates and flexible terms to help you get on the road sooner. And for those dreaming of homeownership, our mortgage loans and refinancing services make it simple to find the right solution for your housing needs.

Digital & Online Banking

Accessibility and Convenience

At Oucu Financial Credit Union, Inc., we believe that banking should adapt to your lifestyle. Our mobile payments feature will be available soon, allowing you to make quick transactions directly from your phone. With our comprehensive suite of online tools, managing your money has never been more straightforward. Whether you're at home or out and about, our digital services empower you to take control of your financial journey with ease. Experience the convenience of modern banking with us today!

Key Features

Our online banking experience includes e-statements, so you can keep track of your finances without the clutter of paper. Plus, we offer convenient person-to-person transfers, making it easy to send money to friends or family without any hassle. You can also enjoy the benefits of our mobile application, which allows you to bank on-the-go with just a few taps on your smartphone. While electronic signature authorization is not available at this time, rest assured that all transactions are conducted with the highest security standards in place. Your safety is our priority.

Financial Strength

Committed Team

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. Total Share Accounts stand at 60,762, showcasing a strong and growing member base that trusts us with their finances. 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 90 S Shafer St Athens Oh 45701 or call 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.

Member-Centric Savings

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. Our resources are focused on benefiting you through better loan rates and exclusive perks.

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. This commitment to growth means that your credit union is always looking for ways to improve and expand the services offered.

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.

Supporting Your Financial Goals

Our lending capacity supports members' financial goals across various sectors with $38,314,362 in total loans and leases. With $21,171 in used auto loans, we make it easier for you to finance your next vehicle while ensuring competitive rates. Our operational efficiency reflects positively on our finances; our net income is currently at $0, which means we're focusing our resources on enhancing member services rather than profit margins.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $27,779,681 in used vehicle loans and $14,709,383 in new vehicle loans already helping members get on the road. Whether you're purchasing a brand-new vehicle or a reliable used car, we have financing options that fit your budget and lifestyle.

Credit Lines and Business Loans

For those looking for additional flexibility in their finances or capital to grow their business, our total credit lines amount to $130,084,199. Additionally, our outstanding commercial loans totaling $28,553,678 provide the necessary funding for business owners aiming to expand their operations. Whether you are looking to refinance an existing loan or exploring eligibility options for any of our products, our dedicated team is here to assist you every step of the way. We pride ourselves on offering personalized service and support tailored to your unique situation. For more information about our loan offerings or to discuss your options further, don't hesitate to reach out at 740-597-2800 during our operating hours from Monday to Friday between 8:00 am and 5:00 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 look forward to helping you secure the financing you need!

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. Our team is ready to guide you through the mortgage process and help you find the best solution for your housing needs.

Unsecured Credit Card Loans

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. These cards come with competitive interest rates and no annual fees, making it easier for you to use credit wisely.

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. This transparency allows users to make informed decisions without the confusion often associated with loan shopping. LendMesh ensures accurate loan comparisons by sourcing data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards. This approach is based on the latest results, ensuring fair and transparent offers (Source: https://www.ncua.gov). The integrity of the information is paramount, as it helps users identify the best loan options available. One of the standout features of LendMesh is its commitment to verified data. All loan offers are sourced from legitimate financial institutions, ensuring transparency throughout the comparison process. Additionally, LendMesh does not prioritize lenders based on paid promotions; there are no sponsored listings. This means users receive unbiased results that reflect true market conditions. With real-time rate comparisons, LendMesh provides up-to-date loan rates from multiple institutions, helping users make informed decisions quickly. 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!" For those looking to secure the best possible rates for their financial needs, comparing offers has never been easier or more reliable. 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.

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

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