Postal Family Credit Union Cincinnati OH | Best Auto Loans & Checking Accounts

Introduction

Welcome to Postal Family Credit Union, Inc., where your financial well-being is our top priority. Located at 1243 W 8Th St, Cincinnati, OH 45203, we have been serving our community since 1932. With a strong commitment to our members, we take pride in fostering a friendly and supportive environment for all your banking needs. At Postal Family Credit Union, we understand that financial decisions can be challenging. That's why we're here to offer personalized guidance and tailored solutions that fit your unique lifestyle. Currently, we are proud to have 4,355 members who trust us with their finances, reflecting the strong relationships we've built over the years. Our total assets amount to an impressive $63,661,543, with $2,771,865 in deposits and a net worth of $11,015,807. This stability allows us to provide competitive rates on loans totaling 2089 across various categories including auto loans and personal loans while ensuring your savings are safe and secure. Led by our dedicated CEO Rudolph Rattman Jr. and Board President Tom Crowley, our team of 10 employees is always ready to assist you. Whether you're looking for a checking account or need help with mortgage refinancing, we offer a range of services designed to meet your financial goals. While members can visit us at our branch location, official correspondence should be directed to our mailing address: P O BOX 14403, CINCINNATI, OH 45250-0403. We invite you to explore our website at urmycu.com for more information about our products and services. If you have any questions or need assistance, feel free to call us at 513-381-8600. Join us today and experience the difference that comes from being part of a community-focused credit union!

Branch History & Mission

Community Commitment

Our commitment goes beyond just banking; it extends into the community. We actively engage in outreach efforts that support local initiatives and partnerships designed to uplift those around us. By investing in education and providing resources for financial literacy, we aim to create a more informed community where everyone can achieve their financial goals. As we embrace digital advancements like online banking and mobile applications, we remain dedicated to ensuring accessibility for all members. Our facilities are ADA compliant because we believe everyone deserves equal access to financial services. Join us at Postal Family Credit Union and become part of a legacy built on trust and community spirit. Experience firsthand how we can help you achieve your financial aspirations while being part of something greater. Together, let's build a brighter future! For more information or assistance, feel free to call us at (513) 381-8600 or visit our website at urmycu.com.

Our Mission

At Postal Family Credit Union, our mission is simple yet profound: to empower our members through responsible financial practices and exceptional service. We believe in building relationships that matter helping families save for their future, assisting individuals in securing loans for vehicles and homes, and providing small businesses with the resources they need to thrive. While members can visit us at our main office on W 8th St, official correspondence should be sent to P O BOX 14403, Cincinnati, OH 45250-0403. Our operating hours are designed to fit your busy lifestyle: Monday, Tuesday, Thursday, and Friday from 9:00 AM to 5:00 PM; and Wednesday from 10:00 AM to 5:00 PM. We also offer ATM services for your convenience.

Branch Location & Accessibility

Welcome to Postal Family Credit Union, Inc. located conveniently at 1243 W 8th St in the heart of Cincinnati, Ohio. Our branch is not just a place for banking; it's a community hub where members can access a wide range of financial services tailored to meet their needs. Situated near local landmarks, our location is easily recognizable and accessible to all. While members can visit us at our main address, official correspondence should be sent to P O BOX 14403, Cincinnati, OH 45250-0403. Our branch is designed with your convenience in mind. We offer ample parking and ensure that our facilities are ADA compliant, featuring ramps and accessible entrances for everyone. Our friendly staff is ready to assist you during our operating hours: Monday, Tuesday, Thursday, and Friday from 9:00 AM to 5:00 PM, and Wednesday from 10:00 AM to 5:00 PM. Whether you need help with personal banking like checking and savings accounts or are interested in loans for vehicles or mortgages, we're here for you. For those who prefer self-service options, we have an ATM available on-site for quick cash withdrawals and balance inquiries. Please note that while we do not offer drive-thru banking or shared service centers, our dedicated team is always happy to help you inside the branch. Feel free to reach out at 513-381-8600 if you have any questions or need assistance. We invite you to stop by soon and experience the exceptional service that Postal Family Credit Union offers!

Member Eligibility

Becoming a member of Postal Family Credit Union, Inc. is like joining a family that truly cares about your financial well-being. If you live, work, or worship in the Cincinnati area, you're already on the path to membership! We welcome individuals who are part of our community and offer you the chance to benefit from our range of personalized services. Being a member means not just having access to great financial products, but also being part of a supportive network that prioritizes your needs. For more details on eligibility criteria, feel free to visit this page where you can find all the specifics. Opening an account with us is straightforward and designed for everyone! You'll be able to enjoy various services tailored to help you manage your finances effectively. If you have any questions or need assistance during the process, don't hesitate to reach out at (513) 381-8600. We're excited to welcome you to Postal Family Credit Union, Inc., located at 1243 W 8Th St Cincinnati Oh 45203!

Business Banking & Commercial Services

Financing Solutions That Fuel Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $2 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $41 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $553,493, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services That Make Life Easier

In addition to loans, our merchant services simplify transactions for you. Whether you're running a storefront or an online shop, we provide seamless payment processing options that let you focus on what matters most growing your business. Our team is here to ensure that your financial needs are met every step of the way. Located at 1243 W 8Th St, Cincinnati, OH 45203, we invite you to visit us or give us a call at 513-381-8600. Let's take your business to the next level together!

Comprehensive List Of Services

Banking at Your Convenience

In today's fast-paced world, convenience matters. That's why we prioritize our online and mobile banking features, allowing you to manage your finances anytime, anywhere. You can easily check balances, transfer funds, and pay bills from the comfort of your own home or on-the-go. Plus, our ATM services ensure you have quick access to cash whenever you need it. At Postal Family Credit Union, Inc., we strive to create an environment where every member feels valued and supported. With a variety of services ranging from personal finance options to business solutions, we're here for all your banking needs. If you're ready to explore how we can assist you further or if you have any questions about our services, don't hesitate to reach out! Call us today at 513-381-8600 or visit us at our branch in Cincinnati. Let us help you take the next step towards financial wellness!

Financing Your Dreams

When it comes to major purchases, we know how important it is to have the right support. Our auto loans and vehicle financing options make it easier to drive home in your dream car without breaking the bank. Additionally, if you're thinking about buying a home, our mortgage loans and refinancing services help you navigate the process with confidence.

Personal Banking Made Easy

We understand that managing finances can sometimes feel overwhelming. That's why we offer personal banking services that include checking and savings accounts designed for everyday use. Whether you're saving for a vacation or need a reliable checking account for daily transactions, we have options that fit your lifestyle.

Simplifying Personal Loans

Life can throw unexpected expenses your way. Our personal loans and debt consolidation options provide you with the flexibility to manage those costs effectively. If you're looking for credit with added benefits, consider our credit cards with rewards, which allow you to earn while you spend.

Supporting Local Businesses

For our business members, we offer comprehensive business banking services, including merchant services and business loans. We are committed to helping local businesses thrive by providing accessible financial solutions that promote growth and success.

Digital & Online Banking

Key Features

Our online banking services are available 24/7 at https://www.urmycu.org/ , making it easy for you to check balances, pay bills, and transfer money with just a few clicks. You can also enjoy the convenience of person-to-person transfers, allowing you to send money to friends or family quickly and securely. Plus, with electronic signature authorization, signing documents is hassle-free and efficient. For those who prefer paperless options, e-statements are readily available, giving you access to your account statements without cluttering your mailbox. Our mobile application further enhances your banking experience by allowing you to manage your accounts on the go. Whether you're checking transactions or making payments, everything is just a tap away.

Security & Accessibility

We prioritize your security by employing advanced encryption technology to protect your personal information during online transactions. Our platform is designed to be intuitive and straightforward, so even if you're not tech-savvy, you'll find it easy to navigate. In today's fast-paced world, having real-time access to your account is essential. At Postal Family Credit Union, Inc., we strive to provide tools that empower you to manage your finances effectively and confidently. Experience the convenience of digital banking today!

Financial Strength

Growing Membership Base

Our commitment to quality service has resulted in a growing membership base of 4,355 members who trust us with their finances. With 7,820 total share accounts, we have built strong relationships within the community. In conclusion, our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Postal Family Credit Union is your trusted partner. Visit us at 1243 W 8Th St Cincinnati OH 45203 or call 513-381-8600 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 Options

Members' savings are secured through $3,822,638 in share certificates and $33,362 in money market shares, offering stable and rewarding financial growth opportunities. 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.

Operational Efficiency

Our net income of $449,808 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 9 full-time employees and 1 part-time employee, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvestment for Better Services

With $10,383,285 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 is reflected in our lending capacity; with $41,493 in used auto loans and $36,834,927 in total loans and leases, we support members' financial goals across various sectors.

Strong Financial Health

With a net worth of $11,015,807, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 17.25% 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 $5,181,502 in used vehicle loans and $2,734,099 in new vehicle loans already helping members get on the road. We have financing options for both new and used vehicles that make it easier for you to drive away with the car you want. If you're considering refinancing your existing auto loan, we can discuss eligibility options tailored for you.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $851,155, make buying or refinancing simple. We provide personalized guidance through each step of the process to ensure you find the right fit for your budget and lifestyle.

Unsecured Credit Card Loans

Managing daily expenses can be challenging. That's why we also offer flexible terms on unsecured credit card loans, with a total of $1,062,482 in loans helping members manage their finances effectively. Our credit cards come with competitive rates and rewards programs designed to benefit our members while keeping their spending in check. Our commitment extends beyond just offering loans; we strive to provide support that empowers our members financially. We encourage you to reach out if you're interested in any of our products or need assistance navigating your options. For more information about our loan offerings or to speak with a member of our team, please contact us at 513-381-8600 or visit us at 1243 W 8th St Cincinnati OH 45203. 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 Postal Family Credit Union, Inc., we're here to help you every step of the way!

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POSTAL FAMILY CREDIT UNION, INC. CREDIT UNION