Public Employees Credit Union Waterloo IA | Affordable Vehicle Loans & Quick Personal Loans

Introduction

Welcome to Public Employees Credit Union, where community and trust meet financial solutions! Located at 624 Franklin St, Waterloo, IA 50703, we have proudly served our members since our establishment in 1952. With a strong commitment to the community and over 1,850 members, we strive to provide personalized banking experiences that cater to your unique needs. At Public Employees Credit Union, your financial well-being is our priority. We are honored to manage total assets of $35,916,199 and total deposits of $3,950,971, ensuring that your funds are secure and accessible when you need them. Our dedicated team, led by CEO Lisa Carlo and Board President Paul Huting, works diligently to offer a variety of services including personal banking, auto loans, mortgage financing, and more. We understand that navigating financial decisions can be challenging. That's why we focus on creating a supportive environment for our members. Whether you're looking for a new vehicle or planning for future investments, our knowledgeable staff is here to guide you every step of the way. While you can visit us at our branch location for all your banking needs, please note that official correspondence should be sent to our mailing address: P.O. Box 120, Waterloo, IA 50704. Feel free to reach out to us at (319) 291-4375 during our lobby hours from Monday to Friday, 8:00 AM to 5:00 PM. Join us today and experience the difference of being part of a credit union that values its members. For more information about our services and offerings, visit us online at Public Employees Credit Union. Your financial journey starts here!

Branch History & Mission

Join Us!

We invite you to be part of our journey at Public Employees Credit Union. Experience firsthand how we blend personalized service with modern convenience to support your financial goals. Feel free to reach out at 319-291-4375 or visit us during our operating hours from Monday to Friday between 8:00 am and 5:00 pm. While members can visit us at 624 Franklin St for their banking needs, official correspondence should be sent to P.O. Box 120, Waterloo, IA 50704. Together, let's build a brighter future for ourselves and our community!

Our Mission

At Public Employees Credit Union, our mission is simple yet profound: to empower individuals through accessible financial services while contributing positively to the community. We believe that everyone deserves a chance at financial wellness. That's why we offer a range of products including checking and savings accounts, auto loans, mortgages, personal loans, and business banking solutions. We strive to make banking as straightforward as possible by embracing technology that serves our members best. With online banking options available alongside mobile payments and e-statements, managing your finances has never been easier. Our dedicated team ensures compliance with ADA standards so that all members can access our services comfortably. We also value community engagement deeply. Throughout the years, we have partnered with various local organizations to promote initiatives that uplift those around us. Whether it's sponsoring events or participating in volunteer opportunities, Public Employees Credit Union believes in giving back.

Branch Location & Accessibility

Accessibility Features

At Public Employees Credit Union, we prioritize accessibility. Our branch features ADA-compliant facilities to make your visit comfortable and easy. There's ample parking available right outside the entrance, along with ramps for those who may need assistance.

Operating Hours

We understand that life can get busy, so we've set our operating hours to accommodate your schedule. Visit us Monday through Friday from 8:00 am to 5:00 pm. Need a quick transaction? Our drive-thru service offers a simple way to handle deposits and withdrawals without leaving your vehicle.

Services Offered

Inside our branch, you'll find a range of personal banking services tailored to meet your needs. We offer checking and savings accounts, auto loans, mortgage options, and credit cards with rewards all designed to help you achieve your financial goals. Plus, with online and mobile banking available, managing your finances has never been easier. For any questions or assistance before your visit, feel free to call us at 319-291-4375. We're here to help! Come experience the friendly service and support at Public Employees Credit Union today!

Member Eligibility

Becoming a member of Public Employees means joining a community that truly cares about its members and their financial well-being. If you're interested in becoming part of our family, you'll be glad to know that eligibility is straightforward and inclusive. Generally, anyone who lives, works, or worships in the area can join us! This means if you're a local resident, employee, or member of a participating organization, you're already on your way to enjoying the benefits we offer. To explore the specific criteria and ensure you qualify, please visit our eligibility page at . Once you've confirmed your eligibility, opening an account with us is a breeze. Just swing by our branch located at 624 Franklin St Waterloo Ia 50703, or give us a call at (319) 291-4375 for more details on how to get started. We're excited to welcome you into the Public Employees family, where you'll have access to personalized services designed just for you!

Business Banking & Commercial Services

Lending 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 $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services That Make Transactions Easy

In today's fast-paced market, having reliable merchant services can make all the difference. Imagine accepting payments quickly and securely, allowing you to focus on what you do best running your business. Our merchant services provide practical solutions that streamline transactions and enhance customer satisfaction. Located conveniently at 624 Franklin St Waterloo Ia 50703 in Waterloo, IA, we invite you to explore how our business banking and commercial services can empower your success. For more information, call us at (319) 291-4375 or visit our website at https://www.publicemployeescu.com/. Let's build a brighter future together!

Comprehensive List Of Services

Business Banking Services

For our business members, we offer tailored solutions including merchant services and business loans. Whether you're just starting out or looking to expand, our team will work with you to find the best financial tools for your business needs.

Convenient Online and Mobile Banking

In today's fast-paced world, convenience is key. That's why we provide robust online and mobile banking services. You can manage your accounts from anywhere with just a few taps on your phone. Need cash? While we don't have ATMs at our branch, our drive-thru service allows for quick deposits and withdrawals without leaving your car.

Credit Cards with Benefits

Looking for a way to earn rewards while you spend? Check out our credit cards with rewards program! You can enjoy benefits like cashback or points on purchases, making every dollar count towards something special.

Home Financing Options

Buying a home is a significant step, and at Public Employees, we aim to make it as simple as possible. Our mortgage loans and refinancing options cater to first-time buyers and seasoned homeowners alike. Our experienced team is here to guide you through the entire process, ensuring you find the right loan that fits your budget.

Join Us Today!

At Public Employees, we're committed to providing exceptional service in every interaction. With a dedicated team ready to assist you Monday through Friday from 8:00 am to 5:00 pm, help is always within reach. If you're ready to take charge of your financial future or have questions about any of our services, don't hesitate to call us at (319) 291-4375 or visit us online at Public Employees Credit Union. Your journey towards financial wellness starts here!

Personal Banking Solutions

Our personal banking services include checking and savings accounts that are straightforward and accessible. You can easily track your spending or save for future goals. If you're considering a new vehicle, our auto loans and vehicle financing options provide competitive rates and flexible terms to help make your dream car a reality. For those looking to consolidate debt or fund personal projects, our personal loans can provide the support you need without the stress of complicated terms.

Digital & Online Banking

Key Services

Our online banking platform at https://www.publicemployeescu.com/ allows you to easily view your account balances, make transfers, and pay bills with just a few clicks. You can also enjoy the benefit of e-statements, which provide a quick and eco-friendly way to keep track of your transactions without the hassle of paper clutter. Need to send money to friends or family? Our person-to-person transfer feature makes it simple and instant. Plus, with our mobile application available for download, you can manage your finances on the go. Whether you're out shopping or relaxing at home, your bank is always right in your pocket.

Security and Convenience

We take your security seriously. Our online banking services include robust protection measures to ensure that your personal information remains safe while you conduct transactions. Even though we don't currently offer electronic signature authorization, rest assured that all processes are designed with your security in mind. In addition to standard banking features, we also support mobile payments. This means you can make purchases directly from your phone using our app just another way we're making banking easier for you. At Public Employees, we prioritize accessibility and ease of use. Whether you're tech-savvy or new to online banking, our user-friendly services are here to help you stay in control of your finances effortlessly. Join us today and experience the freedom of digital banking!

Financial Strength

Conclusion

Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Public Employees is your trusted partner. Visit us at 624 Franklin St Waterloo Ia 50703 or call (319) 291-4375 to learn more about how we can help you achieve your financial goals.

Growing Member Base

Total Share and Deposit Accounts: 3,074, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $0.

Member Savings and Deposits

Members' savings are secured through $11,644,148 in share certificates and $12,582,038 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 $73,118 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 3 full-time employees and 0 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Our Financial Health

With a net worth of $4,646,327, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,294 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Reinvestment for Better Services

With $3,673,209 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports your financial goals with $255 in used auto loans and $12,755,559 in total loans and leases.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $4,399,232 in used vehicle loans and $2,768,981 in new vehicle loans already helping members get on the road. We provide flexible terms and refinancing options to ensure you find a plan that fits your budget.

Credit Lines

For those looking for additional financial flexibility, we provide total credit lines amounting to $1,575,000. This allows you to borrow as needed while managing your overall financial health efficiently. At Public Employees Credit Union, our mission is to support our members with transparent information and reliable services. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. If you're ready to take the next step towards securing your loan or have any questions about eligibility options, please reach out to us at (319) 291-4375 during our business hours from Monday to Friday, 8:00 AM - 5:00 PM. We're here to help you navigate your financial journey!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $1,244,311, make buying or refinancing simple. We guide you through every step of the process so you can focus on settling into your new home.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans. While currently there are no outstanding amounts in this category, our members can expect competitive rates when they choose to manage their finances effectively through this option.

Loan Aggregator

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PUBLIC EMPLOYEES CREDIT UNION