Prospera Credit Union Oshkosh WI | Affordable Auto Loans & Quick Personal Loans

Introduction

Welcome to Prospera, your trusted partner in financial well-being located at 90 Wisconsin St, Oshkosh, WI 54901. Since opening our doors in 1934, we have been dedicated to serving our community with the utmost care and commitment. With a proud membership of over 21,526 individuals, we stand strong with total assets of $363,659,917 and deposits totaling $11,623,833. At Prospera, we believe in providing financial solutions that truly meet the needs of our members. Whether you're looking for personal banking options like checking and savings accounts or seeking assistance with auto loans and mortgages, we are here to help you achieve your financial goals. Our leadership team, led by CEO Sheila Schinke and Board President Tom Clifford, is focused on making your experience as smooth and rewarding as possible. While members can visit us at our branch location for face-to-face interactions, we also encourage you to reach out via phone at 920-424-3282 for any inquiries or support. If you prefer official correspondence, please send it to our mailing address at 90 Wisconsin Ave, Oshkosh, WI 54901. With a total of 82 employees, we pride ourselves on being not just a financial institution but a vital part of the Oshkosh community. Our commitment goes beyond numbers; it's about building relationships and fostering trust. We invite you to explore the services we offer through our website at myprospera.com and discover how we can assist you today. Join us at Prospera where your financial journey begins!

Branch History & Mission

Commitment to Community

We take pride in being involved in community outreach efforts that uplift those around us. Whether it's sponsoring local events or partnering with organizations for educational initiatives, we are dedicated to making a positive impact in Oshkosh. Additionally, we understand the importance of keeping up with modern banking needs. We offer online and mobile banking services so you can manage your finances anytime and anywhere. For those who prefer face-to-face interactions or quick transactions, our drive-thru service is available during convenient hours: Monday through Friday from 8:30 am to 5 pm CST (extended until 5:30 pm on Thursdays) and Saturday from 9 am to 12 pm.

Join Us Today

We invite you to become part of the Prospera family. Experience firsthand how we can help you achieve your financial goals while being an active participant in our vibrant community. With friendly staff ready to assist you and a variety of services designed just for you, there's no better time than now to join us at Prospera Oshkosh Branch! For more information or assistance, feel free to call us at 920-424-3282 or visit our website at myprospera.com. Together, let's build a brighter financial future!

Our Mission

At Prospera, our mission is clear: We exist to empower our members financially while fostering a sense of community. We strive to offer accessible banking services that not only help individuals manage their finances effectively but also contribute positively to the growth and development of Oshkosh. Our team believes in building lasting relationships based on trust and transparency. While you can visit us at our main address for all your banking needs, please note that official correspondence should be sent to our mailing address at 90 Wisconsin Ave, Oshkosh, WI 54901.

Our Story

Situated at 90 Wisconsin St, Oshkosh, WI 54901, our branch has always been more than just a place to conduct transactions; it has been a vital part of the local landscape. As we evolved through the decades, we have embraced change while staying true to our mission of providing exceptional financial services tailored to meet the needs of our diverse membership. From humble beginnings, we have made significant strides in expanding our offerings. We provide personal banking solutions including checking and savings accounts, auto loans, mortgages, and credit cards with rewards. In addition to individual financial services, we are proud to support local businesses with merchant services and business loans.

Branch Location & Accessibility

Accessibility Features

At Prospera, we prioritize accessibility for all our members. Our branch features ADA-compliant entrances and ramps, ensuring easy access for everyone. If you're driving over, you'll find ample parking available right outside our doors, making it easy to pop in without any hassle.

Operating Hours

Our operating hours are designed with your convenience in mind. The lobby welcomes you from 8:30 AM to 5 PM from Monday to Friday, while on Thursdays, we extend our drive-thru hours until 5:30 PM. Need to stop by on Saturday? We're open from 9 AM to noon at the drive-thru for your banking needs.

Services Offered

Prospera offers a variety of services tailored to meet your financial goals. From personal banking options like checking and savings accounts to auto loans and mortgages, we're here to support you every step of the way. While we currently do not have ATM services on-site, our drive-thru facilitates simple transactions such as deposits and withdrawals. If you have any questions or need assistance during your visit, don't hesitate to reach out! You can contact us at 920-424-3282; our friendly team is ready to help. We invite you to stop by the Prospera Oshkosh Branch today! Experience firsthand how we can help you achieve your financial dreams right here in Oshkosh.

Member Eligibility

At Prospera, we believe that everyone deserves a chance to be part of a supportive community. Becoming a member is simple and welcoming! If you live, work, or go to school in the Oshkosh area, you're likely eligible to join us at Prospera. We open our doors to individuals and families looking for a friendly place to manage their finances and enjoy personalized service. Plus, being a member means access to a variety of benefits, like competitive rates on loans and savings accounts, tailored financial advice, and community-focused initiatives. To get started on your membership journey, just visit us at our location: 90 Wisconsin St Oshkosh Wi 54901 or give us a call at (920) 424-3282. You can also find all the details about eligibility by checking out this link: http://www.myprospera.com/about#membership-eligibility . Once you're ready to open an account, simply follow the instructions provided here: https://myprospera.com/balance-transfer . We can't wait to welcome you into our family!

Business Banking & Commercial Services

Financing Options That Fuel Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $53 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $89 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $13,801,682, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services Made Easy

Imagine having the ability to accept payments seamlessly while focusing on what you do best running your business. Our merchant services provide easy payment solutions that fit your needs, from credit card processing to online transactions. With us by your side, you can enhance customer satisfaction and streamline operations. Located at 90 Wisconsin St Oshkosh Wi 54901, Oshkosh, WI, we're here to help your business thrive. For more information or to get started, call us at (920) 424-3282 today!

Comprehensive List Of Services

Accessibility & Convenience

At Prospera, we understand that convenience matters. That's why we ensure all our services are accessible online through our website myprospera.com and via mobile apps. Whether it's making a payment or checking account balances, everything is just a click away. If you're ready to explore how Prospera can assist with all your financial needs, don't hesitate to contact us at 920-424-3282 or visit us today! We're excited to partner with you on this financial journey.

Auto Loans & Vehicle Financing

If you're in the market for a new car, our auto loans and vehicle financing solutions can make your purchase easier and more affordable. With competitive rates and flexible terms, we help you drive off in the vehicle you desire without breaking the bank.

Basic Drive-Thru Banking

Need quick service? Our basic drive-thru banking allows for hassle-free transactions such as deposits and withdrawals without needing to leave your car. It's perfect for those busy days when time is of the essence!

Business Banking

For our business members, we provide essential services like merchant services and business loans to support your entrepreneurial journey. Your success is important to us, and we are here to help you navigate financial decisions that fuel growth.

Mortgage Loans & Refinancing

Thinking about buying a home? Our mortgage loans are designed with you in mind. We also provide options for refinancing if you're looking to lower your monthly payments or tap into your home's equity. Our knowledgeable staff will work closely with you to find the best solution for your unique situation.

Personal Banking

Our personal banking options include checking and savings accounts designed to help you save and manage your money effectively. You can easily access your funds through our convenient online and mobile banking services. Imagine being able to check your balance or transfer funds from anywhere, anytime that's the convenience we aim to provide. Plus, we offer credit cards with rewards that let you earn while you spend.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way. That's why we offer personal loans that can help cover emergencies or larger purchases. If you're feeling overwhelmed by debt, consider our debt consolidation options which can simplify your payments into one manageable monthly amount.

Digital & Online Banking

Key Services

You can get started by visiting us at https://myprospera.com/ . Our online banking platform allows you to check balances, transfer funds, and pay bills all from the comfort of your home or on the go. Plus, with person-to-person transfers available, sending money to friends or family is just a few clicks away. For those who prefer using their mobile devices, our mobile application is available for download, giving you the power of banking right in your pocket. Although we currently don't offer mobile payments, our app provides a user-friendly experience that lets you manage your accounts effortlessly.

Security and Accessibility

Security is a top priority at Prospera. While we do not support electronic signature authorization at this time, we ensure that all transactions are protected with the latest security measures. You can also opt for e-statements, which provide a safe and environmentally friendly way to keep track of your financial documents without clutter. Whether you're checking balances late at night or transferring money during lunch breaks, our online banking services are designed for accessibility and ease-of-use. Experience real-time account management with features that fit into your busy lifestyle. In summary, digital banking at Prospera is all about providing you with the tools you need to manage your money efficiently and securely. Join us today and take advantage of these modern banking conveniences!

Financial Strength

A Solid Foundation

With a net worth of $31,956,694, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $878 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Growing Together

Total Share Accounts stand at 54,129, showing a strong and growing member base that trusts us with their finances. Net Shares available for lending and investments amount to $1,586,470, further highlighting our commitment to fostering a thriving community. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Prospera is your trusted partner. Visit us at 90 Wisconsin St Oshkosh Wi 54901 or call (920) 424-3282 to learn more about how we can help you achieve your financial goals.

Investing in Your Future

With $29,430,172 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our capacity to lend is substantial; with $4,836 in used auto loans and $312,442,075 in total loans and leases, we support members' financial goals across various sectors.

Member-Centric Savings

Members' savings are secured through $63,224,903 in share certificates and $38,111,683 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $2,979,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our $187,566 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 74 full-time employees and 8 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 $64,603,608 in used vehicle loans and $6,760,467 in new vehicle loans already helping members get on the road. We provide financing for both new and used vehicles, making it easier than ever to find the right fit for your lifestyle.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $12,981,888, make buying or refinancing simple. We guide you through the process so you can focus on finding your dream home while we take care of the financing details.

Refinancing Options

If you're considering refinancing an existing loan or exploring eligibility options for our products, we encourage you to reach out. Our team is ready to assist you in finding solutions that best match your current financial situation. For more information about our loan offerings or to discuss how we can assist you further, feel free to contact us at (920) 424-3282 or visit us at our branch located at 90 Wisconsin St Oshkosh Wi 54901 in Oshkosh, WI. We're dedicated to helping you navigate your financial journey. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $6,230,062 in loans helping members manage their finances effectively. These cards come with various benefits designed to give you control over your spending while earning rewards along the way.

Loan Aggregator

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PROSPERA CREDIT UNION - Oshkosh, WI