Southeastern Ohio Credit Union Caldwell OH | Affordable Auto Loans & Business Banking

Introduction

Welcome to Southeastern Ohio, your trusted partner in financial well-being right here in Caldwell, OH. Located at 508 Main St, we have been serving our community since our establishment. With a strong commitment to our members, we proudly support over 6,210 individuals and families, offering personalized banking solutions that meet your unique needs. At Southeastern Ohio, we believe in building lasting relationships with our members. Our total assets of $55,678,378 reflect our stability and dedication to providing reliable services. Whether you're looking for checking and savings accounts, auto loans, or mortgage refinancing, our experienced team is here to guide you every step of the way. Our leadership team, led by CEO Cathy Cline and Board President Tammy Clark, is passionate about enhancing your banking experience. With a workforce of 16 dedicated employees, we prioritize exceptional customer service to ensure you feel valued and supported. While members can visit us at our branch location, official correspondence should be sent to 115 Market Street, Cambridge, OH 43725. We invite you to explore all that we offer on our website at southeasternohiocu.org. Join us today and discover how Southeastern Ohio can help you achieve your financial goals! If you have questions or need assistance, feel free to call us at 740-732-2980. Your journey toward financial success starts here!

Branch History & Mission

Commitment to Innovation

In today's fast-paced world, technology plays a crucial role in enhancing customer experience. We have embraced digital advancements by offering online and mobile banking solutions for convenient account management right at your fingertips. Additionally, our ADA-compliant facilities ensure that all members can access our services comfortably.

Join Us

As we continue this journey together, we invite you to become part of the Southeastern Ohio family. Experience firsthand how our member-focused approach can benefit your financial well-being. For any questions or further information about joining us, feel free to call us at 740-732-2980 or visit our website at southeasternohiocu.org. Together, let's build a brighter future for ourselves and our community!

Our Mission

At Southeastern Ohio Credit Union, our mission extends beyond just providing financial products; we aim to enrich the lives of those in Caldwell and surrounding areas. We believe that strong communities are built on trust and collaboration. That's why we are committed to supporting local initiatives and organizations through various outreach efforts. Whether it's sponsoring community events or partnering with local businesses, we're here to make a positive impact where it counts. While members can visit us at 508 Main St, official correspondence should be sent to 115 Market Street, Cambridge, OH 43725. This dual address helps streamline communications while keeping us connected with both Caldwell and Cambridge communities.

Our Story

Since opening our doors, the Southeastern Ohio Credit Union has witnessed remarkable growth and change. While we may not have a specific year noted in our records for when we started, our commitment to serving the community remains unwavering. Today, we proudly manage total assets of approximately $55,678,378, reflecting our dedication to ensuring financial stability for our members. As we evolved over the years, we've introduced an array of services tailored to meet the needs of our diverse membership. From personal banking products like checking and savings accounts to auto loans and mortgage refinancing options, we strive to empower each member's financial journey. Our dedicated team works tirelessly to offer personalized support that encourages financial literacy and independence.

Branch Location & Accessibility

Convenient Access and Parking

We understand how important accessibility is for our members. That's why our branch offers ADA-compliant features, including ramps for easy entry and ample parking nearby. You'll find that visiting us is hassle-free, whether you're driving or walking from a nearby location.

Friendly Operating Hours

Our lobby hours are designed with your busy schedule in mind. We're open on Wednesdays from 8 AM to 5 PM and Fridays from 7:30 AM to 5 PM. This flexibility allows you to come in when it best suits you. If you have questions or need assistance outside of these hours, feel free to give us a call at 740-732-2980.

Join Us Today!

We invite you to come visit us at the Southeastern Ohio branch in Caldwell. Our team looks forward to helping you with all your banking needs. Have questions? Don't hesitate to reach out by phone or stop by during business hours we're here for you!

Services Tailored for You

At Southeastern Ohio, we offer a range of services that cater to your financial needs. From checking and savings accounts to auto loans and mortgage refinancing, we aim to provide solutions that work for you. While we currently do not have ATM availability or drive-thru service at this location, our friendly staff is always ready to assist you inside the branch.

Member Eligibility

At Southeastern Ohio, we believe that everyone deserves a supportive financial community. Becoming a member is simple and welcoming! If you live, work, or worship in the area, you're likely eligible to join us. We focus on serving our neighbors, making it easier for you to access our range of services designed just for you. Whether you're looking for personal banking options like checking and savings accounts or need assistance with auto loans and mortgages, our team is here to help. For detailed eligibility criteria, feel free to visit our website. Joining is as easy as picking up the phone! You can reach us at (740) 732-2980 for any questions or to get started on opening your account. We're excited to have you as part of the Southeastern Ohio family, where your financial well-being is our priority. Come see us at 508 Main St Caldwell Oh 43724; we can't wait to meet you!

Business Banking & Commercial Services

Commercial Loans

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. Additionally, 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

Imagine being able to accept payments easily from your customers while managing your cash flow efficiently. Our merchant services offer just that, giving you the tools to process transactions seamlessly. From credit card processing to point-of-sale systems, we help simplify your operations so you can focus on what truly matters growing your business. Located at 508 Main St Caldwell Oh 43724 in Caldwell, OH, we're here to partner with you on your journey to success. Contact us at (740) 732-2980 or visit our website for more information about how our business banking services can empower your enterprise!

Comprehensive List Of Services

Business Banking

At Southeastern Ohio, we also cater to small businesses with dedicated services like merchant services and business loans. We know how vital it is for local businesses to thrive, so we offer solutions that can help your company grow while making banking easy.

Digital Banking

In today's fast-paced world, convenience is key. That's why we emphasize our online and mobile banking features. You can check balances, pay bills, and transfer funds without ever stepping foot in the branch. Plus, if you ever need cash, our ATM services are available for quick withdrawals. As a member of Southeastern Ohio, you'll enjoy not only comprehensive services but also personalized support from people who care about your financial success. If you have questions or want more information about any of our offerings, don't hesitate to reach out at 740-732-2980. Ready to take the next step? Visit us today at 508 Main St., Caldwell, or explore more about what we can do for you by checking out our website at southeasternohiocu.org. Your financial future starts here!

Personal Banking

Managing your finances shouldn't be complicated. That's why we offer checking and savings accounts designed to fit various lifestyles. You can easily access your accounts online or via our mobile app, giving you the flexibility to manage your money anytime and anywhere. If you're considering a new vehicle, our auto loans and vehicle financing options make it simple to drive away in the car of your dreams. We understand that buying a car is a significant investment, so we provide competitive rates and terms that work for you. Need a home? Our mortgage loans and refinancing services are here to guide you through one of life's biggest decisions. Whether you're buying your first home or looking to refinance an existing mortgage, our team will ensure you have all the information you need to make informed choices. For those looking to consolidate debt or fund personal projects, our personal loans offer flexibility and peace of mind. And don't forget about our credit cards with rewards earn points on everyday purchases that can lead to exciting benefits!

Digital & Online Banking

Key Features

Security is a top priority for us. We use advanced technology to ensure that your information is protected. You can also take advantage of our electronic signature authorization feature, making it easier to complete transactions without the hassle of paperwork. We provide e-statements to keep your financial records organized and accessible. No more waiting for mail your statements are just a click away! For those who prefer mobile banking, our mobile application is available for download, giving you access to all your banking needs right from your smartphone. Need to send money to friends or family? Our person-to-person transfer option allows you to quickly and easily send money directly from your account. While we currently do not offer mobile payments, our other features ensure that you're covered for most of your banking needs. At Southeastern Ohio, we're committed to making your banking experience smooth and efficient. Explore all these services today by visiting us online at https://southeasternohiocu.org/ and enjoy the convenience of modern banking!

Financial Strength

At Southeastern Ohio, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. With a commitment to transparency and trust, we ensure that you have the information you need to feel confident in your choice of financial partner. With a net worth of $6,971,016, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 12.50% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $18,333,310 in share certificates, 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. With $5,799,560 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 across various sectors with $13,928,000 in used auto loans and a total of $36,254,071 in loans and leases. Our operational efficiency is reflected in our net income of $609,592, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 12 full-time employees and 4 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. With a total of 10,465 share accounts, we're proud to have a strong and growing member base that trusts us with their finances. Our net shares available for lending and investments stand at $769,320, further demonstrating our capacity to meet your needs. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Southeastern Ohio is your trusted partner. Visit us at 508 Main St Caldwell Oh 43724 or call 740-732-2980 to learn more about how we can help you achieve your financial goals.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $20,372,858 in used vehicle loans and $5,424,437 in new vehicle loans already helping members get on the road. We provide flexible terms to ensure that your car financing fits comfortably within your budget.

Credit Lines

In addition to our primary loan offerings, we have credit lines available totaling $4,000,000. These are excellent for members who need ongoing access to funds while only paying interest on what they use. For more information on how our loan offerings can fit your needs or if you're interested in refinancing options or eligibility requirements, please feel free to visit our website at Southeastern Ohio or contact us directly. 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 help you find the right loan solution today!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. While we currently do not offer Junior Lien 1-4 Family Residential Properties loans totaling $0, our team is here to help guide you through other mortgage solutions available.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $0 in loans helping members manage their finances effectively. This product is ideal for those looking to consolidate debt or cover unexpected expenses without collateral.

Loan Aggregator

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SOUTHEASTERN OHIO CREDIT UNION - Caldwell, OH

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