Peoples Credit Union Webster City IA | Low Mortgage Rates & Auto Loans

Introduction

Community Commitment

Our mission goes beyond numbers; it's about making a positive impact in Webster City and the surrounding areas. With a team of 22 dedicated employees, led by our CEO Jordan Hensley and Board President Kevin Bahrenfuss, we are committed to building lasting relationships within our community. We offer a variety of services ranging from personal banking solutions like checking and savings accounts to auto loans and business banking options.

Reliable Services

While you can always visit us at our branch for assistance, if you need to send official correspondence, please use our mailing address: P.O. Box 545, Webster City, IA 50595. We're here for you during regular business hours Monday through Thursday from 8:30 AM to 4:30 PM, Friday until 5:00 PM, and Saturday from 9:00 AM to 12:00 PM. Our team is ready to assist you with any questions or concerns you may have. Feel free to reach out at (515) 832-6346 or fax us at (515) 832-4877. We invite you to explore our website at Peoples Credit Union for more information about our services or simply drop by our branch where you'll find friendly faces ready to help! Your financial journey starts here with Peoples; let's take that first step together!

Branch History & Mission

Commitment to Community

Peoples Credit Union is dedicated to making a positive impact in Webster City. We actively participate in local events and initiatives aimed at fostering growth and development within our community. By collaborating with local organizations and supporting charitable causes, we aim to uplift those around us while reinforcing the bond we share with our members. Our operating hours reflect our dedication to service: we are open Monday through Friday from 8:30 AM to 5:00 PM and Saturday from 9:00 AM to 12:00 PM. Additionally, we offer both ATM availability and drive-thru banking for added convenience. Join us at Peoples Credit Union today! Experience firsthand how we can help you achieve your financial goals while being an integral part of a caring community. With us by your side, you're not just a member; you're family. Feel free to reach out at 515-832-6346 or visit us online at peoplescreditunion.org for more information on how we can serve you better.

Our Mission

Our mission is straightforward: to empower our members by providing exceptional financial services that meet their unique needs. We strive to support not only individual financial goals but also the broader community through various outreach programs and partnerships. At Peoples Credit Union, we believe that when our members succeed, so does the entire community. We offer a range of services designed for convenience and accessibility. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we ensure that our offerings cater to diverse financial needs. Our commitment to technology is evident through features like online banking and mobile payments, allowing members to manage their finances anytime and anywhere.

Branch Location & Accessibility

Accessibility and Parking

At Peoples, we prioritize accessibility for all our members. Our branch is equipped with ramps and ADA-compliant features to ensure everyone can access our services comfortably. We also offer ample parking right outside the entrance, so you won't have to worry about finding a spot when you visit us.

Banking Hours

We know your time is valuable, which is why we've designed our operating hours to fit your busy schedule. You can visit us Monday through Thursday from 8:30 AM to 4:30 PM, Friday from 8:30 AM to 5:00 PM, and Saturday from 9:00 AM to 12:00 PM. Whether you need assistance with personal banking or have questions about loans, our friendly staff is here to help during these hours.

Services Offered

Peoples offers a comprehensive range of services including personal banking options like checking and savings accounts, auto loans, mortgage refinancing, and credit cards with rewards. Need quick access? Our drive-thru service allows for simple transactions like deposits and withdrawals without ever leaving your car. Plus, with ATM availability on-site, you can easily manage your cash needs any time of day. While members can visit us at our branch location in Webster City, official correspondence should be sent to PO Box 545 in Webster City as well. If you have questions or need further assistance, don't hesitate to give us a call at 515-832-6346. We invite you to come in and experience the difference at Peoples! Your financial journey starts here.

Member Eligibility

At Peoples, we believe that becoming a member is more than just opening an account; it's about joining a community that cares about your financial well-being. If you're interested in joining us, you'll be pleased to know that eligibility is quite straightforward! Individuals who live, work, worship, or attend school in the area can easily become members. This means that whether you're a local resident or just spending time in our wonderful community, you're welcome here! Joining Peoples opens the door to a range of personalized services designed to meet your needs like checking and savings accounts, auto loans, mortgages, and much more! The process is simple and friendly; all you need to do is visit us at 310 1St St Webster City Ia 50595 or give us a call at (515) 832-6346 for guidance. For detailed eligibility criteria and updates, feel free to check out our website at . We can't wait to welcome you into our family!

Business Banking & Commercial Services

Business Loan Options

Imagine having the financial backing to expand your operations or invest in new equipment. With our commitment to supporting businesses, we've funded over $6 in commercial loans for our members, helping them scale and succeed. Our loan programs are designed to empower you, giving you the freedom to chase your business goals without the usual constraints. If you're not yet a member, don't worry! We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions that adapt to your specific circumstances.

Merchant Services

In addition to loans, we offer robust merchant services that simplify transactions and improve customer experiences. Picture this: Your customers can pay seamlessly using various payment options while you keep track of sales effortlessly. This convenience helps streamline your operations and enhance customer satisfaction. With an outstanding commercial loan portfolio of $2,022,076, we continue to drive economic growth by financing new and expanding businesses right here in Webster City, IA. Visit us at 310 1St St Webster City Ia 50595 or call us at (515) 832-6346 to learn how we can help your business thrive!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need cash? With our extensive network of ATMs available at convenient locations, accessing your funds is quick and easy. Plus, our basic Drive-Thru Banking service ensures that simple transactions like deposits and withdrawals can be completed without stepping inside the branch. At Peoples, we prioritize ease of access and member satisfaction. If you're ready to experience personalized service and community-focused banking, give us a call at (515) 832-6346 or visit us at 310 1St St Webster City Ia 50595 in Webster City, IA. Join us today and discover how we can help make managing your finances simpler!

Auto Loans & Vehicle Financing

Thinking about buying a new car? Our Auto Loans and Vehicle Financing options make it simple to get behind the wheel of your dream vehicle. We offer competitive rates and terms that can help you drive away with confidence, ensuring your monthly payments fit comfortably within your budget.

Business Banking

For business owners, we offer specialized Business Banking solutions including Merchant Services and Business Loans. We know running a business is challenging; that's why we're here to support you with financial tools tailored specifically for small businesses.

Credit Cards with Rewards

Our Credit Cards with Rewards program offers benefits that go beyond just spending power. Earn points on every purchase and redeem them for cash back, travel rewards, or gift cards making your everyday purchases even more rewarding.

Mortgage Loans & Refinancing

If you're considering purchasing a home or refinancing your existing mortgage, our Mortgage Loans come with personalized guidance from start to finish. We'll help you navigate the process, making sure you find a loan that meets your needs while saving you money in the long run.

Online & Mobile Banking

In today's fast-paced world, convenience is key. Our Online and Mobile Banking services allow you to manage your accounts anytime, anywhere. You can easily check balances, transfer funds, pay bills, and even deposit checks right from your smartphone making banking on-the-go a breeze!

Personal Banking

Managing your day-to-day finances has never been easier with our personal banking options. We provide Checking and Savings Accounts that help you save for the future while giving you easy access to your funds when you need them. Whether you're planning a vacation or just want to build up an emergency fund, our accounts are designed for flexibility and growth.

Personal Loans & Debt Consolidation

Life sometimes throws unexpected expenses our way. That's where our Personal Loans and Debt Consolidation services come into play. Whether you're facing medical bills or looking to consolidate debt for easier management, we provide straightforward loans that empower you to take control of your finances.

Digital & Online Banking

Accessing Your Accounts Anytime

Our 24/7 online banking services allow you to check balances, transfer funds, and pay bills whenever it suits you. You can easily navigate through our online platform at https://peoplescreditunion.org/ , making banking as simple as possible. Whether you're at home or on the go, your finances are always within reach.

Secure Transactions

We prioritize your security. Our electronic signature authorization feature ensures that all transactions are secure and verified, giving you peace of mind every time you use our services. Additionally, e-statements are available for those who prefer digital documentation over paper keeping your information safe while being eco-friendly. At Peoples, we're committed to offering accessible and user-friendly digital banking solutions that fit into your lifestyle. Experience the convenience today!

User-Friendly Mobile Features

With our mobile application available for download, managing your money is even easier. You can make mobile payments quickly and safely, so you're never stuck without a way to complete a transaction. Plus, person-to-person transfers make sending money to friends or family a breeze just a few taps and you're done!

Financial Strength

Building Trust Through Transparency

Total Share and Deposit Accounts: 13,202, show a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $237,491 further illustrate our commitment to prudent financial management. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Peoples is your trusted partner. Visit us at 310 1St St Webster City Ia 50595 or call (515) 832-6346 to learn more about how we can help you achieve your financial goals.

Commitment to Growth

With $5,284,058 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our commitment extends to providing robust lending solutions as well; with $4,163 in used auto loans and $65,925,413 in total loans and leases, our lending capacity supports members' financial goals across various sectors.

Financial Overview

With a net worth of $9,524,551, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,044 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Member Savings Security

Members' savings are secured through $26,411,204 in share certificates and $17,635,982 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $3,017,292, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our $-553,130 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 22 full-time employees and 0 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $34,083,652 in used vehicle loans and $4,795,507 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new vehicle or a reliable used car, we provide flexible terms tailored to fit your budget.

Business Loans

For business owners, our outstanding commercial loans totaling $2,022,076 provide the capital needed to grow and expand. We understand the challenges of running a business and are committed to providing solutions that support your vision.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $727,175, make buying or refinancing simple. We are here to guide you through the process, ensuring you find the right loan for your situation.

Personal Loans & Credit Lines

In addition to auto and mortgage loans, we also offer personal loans and credit lines totaling $7,486,131. These products are designed for various needs be it debt consolidation or unexpected expenses making it easier for you to manage your finances. If you're considering refinancing any existing loans or exploring eligibility options, our team is ready to assist you every step of the way. For more information about our loan products or to get started, give us a call at (515) 832-6346. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. At Peoples, we're not just about lending; we're about building lasting relationships with our members while helping them achieve their dreams one loan at a time.

Unsecured Credit Card Loans

Managing daily expenses can be easier with our flexible unsecured credit card loans. With a total of $832,292 in loans helping members manage their finances effectively, these cards come with competitive rates and rewards that can benefit your everyday purchases.

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. With so many options available, it's essential to have a reliable tool that helps you navigate the lending landscape effectively. 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 is based on the latest results available from the NCUA, ensuring fair and transparent offers for all users. By working only with verified institutions, LendMesh provides a trustworthy platform where users can confidently compare their options. The benefits of using LendMesh are clear: - Verified Data: All loan offers come from legitimate financial institutions, which guarantees transparency in what you're seeing. - No Sponsored Listings: Unlike some comparison tools that prioritize lenders based on paid promotions, LendMesh aims to provide unbiased results. Every user gets access to the same information without favoritism. - Real-Time Rate Comparisons: Users benefit from up-to-date loan rates across multiple institutions, making it easier to make informed decisions. 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 kind of feedback highlights the effectiveness of using a service designed with user needs in mind. 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.*

PEOPLES CREDIT UNION