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

Introduction

At Our Community in Olympia, we believe that banking should be about more than just numbers; it's about building relationships and fostering growth within our community. Established in 1941, our credit union has been a trusted partner for over 32,000 members, providing them with the financial tools and support they need to thrive. With total assets reaching an impressive $607,932,195, we are committed to not only safeguarding your money but also helping you achieve your financial goals. Located at 6541 Sexton Dr Nw Ste 103, Olympia, WA 98502, our branch is equipped to serve you better. While members can visit us here, official correspondence should be sent to our mailing address: 6541 Sexton Dr. N.W. Bldg H, Ste 103, Olympia, WA 98502. Led by our dedicated CEO, Ryan Drake, and Board President, Mark Mager, our team of 107 employees is here to assist you with a range of services including personal banking, auto loans, mortgages, and business financing. Our commitment to you is reflected in our total deposits of $18,293,605 and a solid net worth of $69,754,364, ensuring that your savings are secure with us. As a member-focused credit union with a strong community presence since our founding year, we understand the importance of giving back. We offer various loan options totaling 14,944, catering to both personal and business needs while promoting financial literacy and empowerment among our members. Join us today! Experience the difference at Our Community by calling us at 800-426-5657 or visiting our website at www.ourcu.com. Let's work together to build a brighter financial future for you and our community!

Branch History & Mission

A Journey Through Time

Our Community has seen significant changes over the decades. From our humble beginnings during World War II to becoming a robust credit union with total assets of $607,932,195 today, our journey reflects the resilience and dedication of our members. We've expanded our services and adapted to the evolving needs of our community while maintaining a strong focus on personal relationships and local support. Throughout the years, we've embraced technology to enhance our member experience. Our offerings now include online banking, mobile payments, and e-statements making banking more accessible than ever before. We are proud to be ADA compliant and continually strive to improve our services so that everyone can benefit from what we offer.

Join Us!

As we look forward to the future, we invite you to become part of Our Community. Experience firsthand how our member-centric approach can benefit you through competitive rates on loans and savings accounts tailored specifically for your needs. Join us today and discover why so many people in Olympia trust Our Community as their go-to financial resource! Visit us online at ourcu.com or come see us at your convenience!

Our Mission

At the heart of Our Community is a simple yet powerful mission: to provide personalized financial services while fostering community well-being. We believe in supporting not just the financial needs of our members but also their aspirations for a better life. Whether it's through auto loans that help families get on the road or mortgage options that turn houses into homes, we're dedicated to making dreams come true. We actively engage in community outreach efforts and partnerships that uplift those around us. Our commitment goes beyond transactions; it's about building lasting relationships within Olympia and ensuring that every member feels valued. While members can visit us at 6541 Sexton Dr Nw Ste 103 Olympia Wa 98502, official correspondence should be sent to 6541 Sexton Dr. N..W. Bldg H, Ste 103, Olympia, WA 98502 for your convenience. You can reach us easily at (800) 426-5657 during our operating hours from 7 a.m. to 5:35 p.m., Monday through Thursday and until 6 p.m. on Fridays.

Branch Location & Accessibility

Convenient Access and Features

At Our Community, we prioritize accessibility for all our members. Our branch is ADA compliant, featuring ramps and designated parking spots to ensure ease of access. With ample parking available, you can visit us without worrying about finding a spot. Our operating hours are designed with your convenience in mind. You can stop by Monday through Thursday from 7 a.m. to 5:35 p.m., and on Friday from 7 a.m. to 6 p.m. If you need quick transactions, take advantage of our drive-thru service or our ATM availability for easy cash withdrawals and balance checks.

Services Tailored for You

We offer a wide range of services tailored to meet the financial needs of individuals and businesses alike. From personal banking options such as checking and savings accounts to auto loans and mortgage refinancing, we're here to help you achieve your financial goals. Additionally, our online and mobile banking features make it easy for you to manage your accounts anytime, anywhere. If you have any questions or need assistance, don't hesitate to call us at 800-426-5657. Our friendly team is always ready to assist you! We invite you to come visit us at Our Community in Olympia your go-to place for all things banking!

Member Eligibility

At Our Community, we believe that everyone deserves to be part of a welcoming community where financial growth and support are at the forefront. Becoming a member is straightforward! If you live, work, or worship in the Olympia area, you're likely eligible to join us. We also welcome family members of current members, so if you have a loved one who is already part of our family, you can join too! This means that whether you're just starting out on your financial journey or looking for better options for your banking needs, we're here for you. To get started, simply visit us at 6541 Sexton Dr Nw Ste 103 Olympia Wa 98502 or give us a call at (800) 426-5657. You can find detailed eligibility criteria by checking out our website at . When you're ready to open an account, the process is easy; just follow the steps outlined on our account opening page: https://online.ourcu.com/enrollment/terms_and_condition . We're excited to welcome you into our community and support you every step of the way!

Business Banking & Commercial Services

Merchant Services That Work for You

In addition to loans, we offer merchant services that simplify payment processing. Imagine being able to accept payments anytime, anywhere, whether you're at a trade show or running your shop. Our solutions help streamline transactions so you can focus on what you do best growing your business. Visit us at 6541 Sexton Dr Nw Ste 103 Olympia Wa 98502 or call us at (800) 426-5657 to discover how our business banking services can empower your success!

Tailored 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.

Comprehensive List Of Services

Accessibility and Convenience

At Our Community, convenience is key. We offer ATM and cash withdrawal services so you can access your money easily whenever needed. Our basic drive-thru banking allows for quick deposits and withdrawals without needing to leave your car perfect for those busy days! Our commitment extends beyond traditional banking; we embrace technology to enhance member experience through features like electronic signatures and person-to-person payment options. You can even receive e-statements directly in your inbox keeping everything organized at your fingertips.

Business Banking

If you're a business owner, our Business Banking services include essential tools like merchant services and business loans. We understand the challenges of running a business and are here to support you every step of the way.

Credit Cards

Don't forget about our Credit Cards with Rewards! These cards not only make everyday purchases easier but also allow you to earn rewards that can be redeemed for travel, merchandise, or cash back. It's all about making your spending work harder for you.

Get Started Today!

We invite you to visit us at 6541 Sexton Dr Nw Ste 103 Olympia Wa 98502, or give us a call at (800) 426-5657. Explore how our comprehensive range of services can help meet your financial goals today! Whether it's personal banking or business solutions, let's work together to secure a brighter financial future for you and our community. For more information on opening an account or applying for loans, visit us online at Steamboat.

Loans and Financing

If you're considering buying a new vehicle or refinancing an existing loan, our Auto Loans & Vehicle Financing options are tailored just for you. Picture driving off in a car that fits both your lifestyle and budget. We also provide Mortgage Loans & Refinancing solutions for those ready to buy a home or lower their monthly payments on an existing mortgage. For personal needs that require quick funding, our Personal Loans & Debt Consolidation services can simplify your financial situation. Whether it's planning a big purchase or managing debt more effectively, we offer flexible options that fit your life.

Personal Banking

Starting with our Personal Banking services, we offer various checking and savings accounts designed to help you manage your money effectively. Imagine having easy access to your funds while enjoying competitive interest rates that help your savings grow. Our online and mobile banking platforms ensure you can check balances, transfer money, and pay bills from anywhere, anytime.

Digital & Online Banking

E-Statements and Mobile App

Say goodbye to paper statements! Our e-statements provide a quick and eco-friendly way to keep track of your financial records. You can access these statements whenever you need them, ensuring you're always up-to-date. For those who prefer banking on-the-go, our mobile application is available for download. With it, you can enjoy features like mobile payments and person-to-person transfers. Imagine sending money to a friend or family member in seconds no hassle involved!

Security and Accessibility

At Our Community, we prioritize your security. Our online banking services come with robust security measures so you can bank with peace of mind. Whether you're logging in from home or while out and about, your information is protected. Our commitment to accessibility means that no matter where life takes you, managing your money is simple and straightforward. So why wait? Explore all that our digital and online banking options have to offer today! Visit us at https://www.ourcu.com/ and take advantage of the modern conveniences designed just for you.

Financial Strength

Commitment to 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. Our lending capacity also supports your financial goals across various sectors with $3,581 in used auto loans and an impressive total of $248,300,016 in loans and leases. Our operational efficiency shines through with a net income of $0 which allows us to continue offering competitive loan rates and solid financial products for our members.

Conclusion

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 6541 Sexton Dr Nw Ste 103 Olympia Wa 98502 or call (800) 426-5657 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.

Dedicated Team for You

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. Whether it's answering questions or assisting with transactions, we're here for you every step of the way. Our total share accounts stand at 67,552, showcasing a strong and growing member base that trusts us with their finances.

Secure Savings Options

Members' savings are secured through $149,172,615 in share certificates, offering stable and rewarding financial growth opportunities. While we currently have $0 in money market shares, these options provide peace of mind as you grow your wealth with us. We prioritize our members above all else. Unlike traditional banks, our focus remains on your benefits evident by the absence of non-member deposits at $0. Our resources are directed towards improving your experience through better loan rates and lower fees.

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. This solid base reflects our commitment to managing our resources wisely while putting our members first. 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. This level of stability is crucial for fostering trust among our members.

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're considering a brand-new model or a reliable used vehicle, our competitive rates and flexible terms make it easier than ever to drive away with confidence.

Business Financing

For business owners, our outstanding commercial loans totaling $3,619,562 provide the capital needed to grow and expand. Whether you need funding for equipment purchases or operational costs, we are committed to supporting local businesses in achieving their aspirations. At Our Community, we prioritize your financial well-being by offering solutions that fit your lifestyle and needs. If you're interested in exploring refinancing options or checking eligibility for any of our loan products, feel free to reach out at (800) 426-5657. 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 partner with you on your financial journey!

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 know that securing a home is a significant step, and our team is here to guide you through every part of the process, offering personalized service tailored to your unique circumstances.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $14,318,068 in loans helping members manage their finances effectively. These credit cards provide a valuable resource for everyday purchases while allowing you to build or improve your credit score.

Loan Aggregator

Accurate Loan Comparisons

LendMesh ensures accurate loan comparisons through a straightforward approach. Loan data 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 rigorous sourcing means users receive fair and transparent offers every time they search for loans.

Benefits of Using LendMesh

- Verified Data: All loan offers come from legitimate financial institutions. This verification process guarantees transparency in every comparison. - No Sponsored Listings: Unlike many comparison tools, LendMesh does not prioritize lenders based on paid promotions. The goal is to provide unbiased results that reflect true market offerings. - Real-Time Rate Comparisons: Users have access to up-to-date loan rates from multiple institutions, helping them make well-informed choices 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!" This testimonial reflects the positive impact LendMesh has had on its users' financial journeys. Take control of your borrowing experience today. Compare real-time loan offers at LendMesh and find the best rates tailored to 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.

OUR COMMUNITY CREDIT UNION - Olympia, WA