Our Community Credit Union Montesano WA | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Our Community, your trusted credit union located at 211 E Pioneer Ave Ste B, Montesano, WA 98563. Since our establishment in 1941, we have been dedicated to serving our members and fostering a sense of community. With over 32,000 members, we pride ourselves on building lasting relationships and providing personalized financial solutions that meet the unique needs of our diverse membership. At Our Community, we understand that financial stability is essential for families and businesses alike. That's why we offer a range of services from checking and savings accounts to auto loans, mortgage refinancing, and personal loans. With total assets exceeding $607 million and total deposits of $18,293,605, we are well-equipped to support you in achieving your financial goals. Our commitment to excellence is reflected in our leadership team, led by CEO Ryan Drake and Board President Mark Mager. Together, they ensure that Our Community remains a reliable partner in your financial journey. We also prioritize accessibility; for any inquiries or assistance, feel free to reach out to us at 800-426-5657 during our lobby hours: Monday through Thursday from 9:00 AM to 5:35 PM, Friday from 9:00 AM to 6:00 PM, and Saturday from 9:00 AM to 1:00 PM. While you can visit us at our branch location for all your banking needs, please note that official correspondence should be directed to the same address listed above. Join us today at Our Community and experience the difference of a member-focused credit union where your financial well-being is our priority. For more information about our services or to open an account online, visit us at ourcu.com. Your community bank is ready to serve you!

Branch History & Mission

Community Engagement

At Our Community, we don't just focus on transactions; we prioritize relationships. We actively participate in local events and support various charities within Montesano and surrounding areas. These efforts reflect our belief that strong communities are built on collaboration and mutual support. We invite you to join us on this journey as we continue to grow and adapt alongside our members' needs. Experience the benefits of being part of Our Community where your financial success is our priority! For more information or to become a member today, call us at 800-426-5657 or visit our website. Together, let's build a brighter future!

Our Mission

Our mission is simple yet profound: we aim to enhance the financial well-being of our community. We believe that everyone deserves access to quality financial services that empower them to achieve their goals. Whether it's helping families secure their first home or providing businesses with the funding they need to grow, we are dedicated to making a meaningful impact in the lives of those we serve. As part of this mission, we embrace technology and innovation. With features like online banking and mobile payments, managing your finances has never been easier. We're also committed to ensuring that all our services are accessible to everyone in our community.

Branch Location & Accessibility

Convenient Access

Our branch is equipped with ample parking and ADA-compliant features, ensuring that all members can visit us comfortably. Whether you're driving or walking, you'll find that getting to our location is a breeze. While members can visit us at 211 E Pioneer Ave Ste B, official correspondence should be sent to the same address for simplicity.

Operating Hours

We know that life can get busy, so we've made sure our operating hours accommodate your schedule. Join us Monday through Thursday from 9:00 AM to 5:35 PM, Friday from 9:00 AM to 6:00 PM, and Saturday from 9:00 AM to 1:00 PM. If you need assistance outside these hours, don't hesitate to give us a call at 800-426-5657.

Services Offered

At the Montesano Branch, we provide a wide range of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgages, we're here to help you every step of the way. Plus, our ATM is available for quick cash withdrawals and balance checks whenever you need it. While we don't have drive-thru banking at this location, our team is always ready to assist you in person or through our online and mobile banking services for added convenience. We invite you to come visit us at Our Community's Montesano Branch! Whether you're looking for guidance on loans or simply want to explore your banking options, our friendly staff is eager to help. Don't hesitate to stop by or give us a call today!

Member Eligibility

Joining Our Community is more than just opening an account; it's about becoming part of a welcoming community that cares about your financial well-being. If you're looking to become a member, you'll find it easy and inclusive. Typically, eligibility is open to anyone who lives, works, or attends school in the area around 211 E Pioneer Ave Ste B Montesano Wa 98563. This means if you call Montesano home or spend time here for work or study, you're likely already eligible to join us! Plus, being a member comes with fantastic perks like lower loan rates, personalized service, and access to helpful resources designed to support your financial goals. Getting started is simple! You can check out the detailed eligibility criteria by visiting this link for the most current information. When you're ready to open an account, just head over to our online enrollment page at this link, or give us a call at (800) 426-5657 if you have any questions. We can't wait to welcome you into the Our Community family!

Business Banking & Commercial Services

Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $9 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $23 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $3,619,562, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

Alongside our loan offerings, we provide merchant services that can streamline your payment processing. Imagine running your day-to-day operations without worrying about how to accept payments from customers. With our solutions, you can focus on what matters most growing your business. Visit us at 211 E Pioneer Ave Ste B Montesano Wa 98563 in Montesano, WA or give us a call at (800) 426-5657 to learn more about how our business banking services can help you achieve your goals!

Comprehensive List Of Services

Business Banking Services

For local entrepreneurs and business owners, we offer specialized Business Banking solutions including Merchant Services & Business Loans. These services are designed to streamline your operations and provide the funding necessary for growth and innovation.

Convenient Online and Mobile Banking

In today's fast-paced world, convenience is key. Our robust Online & Mobile Banking services give you access to your accounts anytime, anywhere. You can easily check balances, transfer funds, or pay bills right from your smartphone. Plus, with features like ATM & Cash Withdrawal Services available at our locations, managing your money has never been easier.

Credit Cards with Benefits

Our credit card options come with rewards that make every purchase more valuable. Whether you're shopping for groceries or planning a weekend getaway, our Credit Cards with Rewards allow you to earn points that can be redeemed for exciting perks.

Loans Tailored for You

When it comes to financing, we know that life happens. That's why we offer competitive Auto Loans & Vehicle Financing to help you get behind the wheel of your next car without breaking the bank. If you're considering buying a home, our Mortgage Loans & Refinancing options can provide the support you need during such an important investment. And if you're facing unexpected expenses, our Personal Loans & Debt Consolidation services can help lighten your financial load.

Personal Banking Solutions

For those looking to manage their day-to-day finances, our Personal Banking options are tailored just for you. We provide various Checking & Savings Accounts that cater to different lifestyles and savings goals. Imagine having a simple account for everyday purchases while also saving for that dream vacation. With our accounts, you can easily access your funds and keep track of your spending.

Reach Out Anytime

We're located at 211 E Pioneer Ave Ste B Montesano Wa 98563, and our friendly staff is ready to assist you during our operating hours: Monday - Thursday 9:00 am to 5:35 pm, Friday 9:00 am to 6:00 pm, and Saturday 9:00 am to 1:00 pm. If you have any questions or need assistance choosing the right service for you, don't hesitate to call us at (800) 426-5657. At Our Community, we are committed to providing comprehensive financial solutions tailored just for you. Explore all we have to offer and start achieving your financial goals today! Visit us online at Montesano Branch or stop by our branch we can't wait to meet you!

Digital & Online Banking

Convenience at Your Fingertips

Managing your finances has never been more convenient. With features like mobile payments and real-time account management, you'll always be in control of your money. Our user-friendly tools allow you to stay organized and informed about your financial activities. So why wait? Dive into the world of digital banking with Our Community today! Visit us at https://www.ourcu.com/ to learn more about how our online services can benefit you.

Key Features

Our online banking platform empowers you to take control of your finances with ease. You can view your account balances, track transactions, and pay bills all from the comfort of your home or on the go. Plus, if you prefer paperless options, we provide e-statements for easy access to your financial documents whenever you need them. Security is a top priority for us. We utilize electronic signature authorization to ensure that all transactions are safe and verified. This means you can sign documents digitally without worrying about compromising your information. For those who enjoy using their smartphones, our mobile application provides an intuitive interface that allows for quick access to all your banking needs. Whether you're making mobile payments or transferring money to friends through our person-to-person transfer feature, everything is just a tap away.

Financial Strength

Committed Team

We take pride in having 102 full-time employees and 5 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Your satisfaction is our priority!

Growing Membership Base

Total Share Accounts: 67,552, showing a strong and growing member base that trusts us with their finances. We appreciate every single member who chooses Our Community, as you are the heart of what we do. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Our Community is your trusted partner. Visit us at 211 E Pioneer Ave Ste B Montesano Wa 98563 or call (800) 426-5657 to learn more about how we can help you achieve your financial goals.

Lending Capacity

Our lending capacity supports members' financial goals across various sectors with $3,581 in used auto loans and $248,300,016 in total loans and leases. We're dedicated to helping you achieve your dreams whether it's buying a car or financing other significant purchases.

Member-Centric Approach

Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. Our commitment to our members is reflected in our robust financial strategies.

Operational Efficiency

Our $0 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. This positive income allows us to invest back into the community we serve.

Reinvestment for Growth

With $66,647,112 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. This approach allows us to continuously improve our services while maintaining the trust you've placed in us.

Secure Savings Opportunities

Members' savings are secured through $149,172,615 in share certificates, offering stable and rewarding financial growth opportunities. Although we do not have any money market shares at this time, our focus remains on providing safe and beneficial options for your investments.

Strong Financial Health

With a net worth of $69,754,364, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,145 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 $73,868,953 in used vehicle loans and $38,692,166 in new vehicle loans already helping members get on the road. Whether you need financing for a brand-new vehicle or a reliable used one, we have options that fit your budget and lifestyle.

Commercial Loans

For business owners, our outstanding commercial loans totaling $3,619,562 provide the capital needed to grow and expand your business. We understand the unique challenges that come with running a business and are committed to supporting your financial journey.

Credit Lines

Need additional flexibility? Our credit lines totaling $320,857,990 give you easy access to funds whenever necessary. This can be particularly useful for unexpected expenses or opportunities that arise. At Our Community, we are dedicated to providing our members with personalized service and competitive rates. If you're considering refinancing or want to explore eligibility options, don't hesitate to contact us at (800) 426-5657 for more information. 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 goals!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $16,668,414, make buying or refinancing simple. We are here to guide you through the process, ensuring you find the right mortgage product that suits your needs.

Unsecured Credit Card Loans

Managing finances can be challenging, but our flexible terms on unsecured credit card loans can help. With a total of $14,318,068 in loans helping members manage their finances effectively, you can enjoy peace of mind knowing you have access to funds when needed.

Loan Aggregator

Benefits of Using LendMesh

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How LendMesh Ensures Accurate Loan 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 users receive fair and transparent offers tailored to their needs. By gathering information from reputable lenders, LendMesh builds trust through verified data.

OUR COMMUNITY CREDIT UNION - Montesano, WA