St. Ludmila S Credit Union Cedar Rapids IA

Introduction

Welcome to St. Ludmila Credit Union, your trusted financial partner located at 211 21st Ave SW, Cedar Rapids, IA 52404. Since our establishment in 1962, we have proudly served our community with a commitment to integrity and member satisfaction. With a total membership of 100 and assets exceeding $351,168, we strive to make a meaningful impact on the financial lives of our members. At St. Ludmila Credit Union, we understand that every financial journey is unique. That's why we offer a variety of services tailored to meet your needs, whether you're looking for loans or deposit options. Currently, our credit union holds $34,314 in deposits and has provided 21 loans to help our members achieve their goals. Our net worth stands at an impressive $115,422, reflecting our stability and ability to support you. Led by our dedicated CEO, Shanna Berhenke, and Board President, Randy Tresnak, our small but efficient team of 2 employees is always here to assist you. We believe in building strong relationships with our members based on trust and transparency. While you can visit us at our Cedar Rapids branch for all your banking needs, please note that official correspondence should be sent to the same address: 211 21st Ave SW, Cedar Rapids, IA 52404-3615. We invite you to explore what makes St. Ludmila Credit Union different visit us today or give us a call at (319) 362-7282! Together, let's work towards achieving your financial dreams.

Branch History & Mission

Community Commitment

We understand that being part of the Cedar Rapids community means more than just providing financial services; it involves giving back and actively participating in local events and initiatives. Through partnerships with local organizations and involvement in community activities, we aim to foster economic development and support those in need. Although we currently do not offer ATM or drive-thru services, our focus remains on delivering personalized assistance whenever you visit us. Our operating hours are designed around your convenience, ensuring that you can access the help you need when it matters most.

Join Us Today!

As we continue this journey together, we invite you to become part of the St. Ludmila family. Experience firsthand how dedicated we are to supporting your financial goals while contributing positively to our beloved Cedar Rapids community. Whether you're looking for loans or savings options or simply want guidance on your financial journey, we're here for you. Contact us today at 319-362-7282 or drop by our branch! Let's build a brighter future together at St. Ludmila Credit Union!

Our Journey

St. Ludmila Credit Union began with a simple yet profound mission: to provide accessible financial services that empower our members and uplift the community. Since our opening, we have focused on fostering relationships built on trust and mutual respect. As we've evolved, our commitment to serving Cedar Rapids has only strengthened. We proudly maintain total assets of $351,168, which reflects our dedication to managing resources wisely for the benefit of our members. Our growth has been marked by significant milestones. From expanding our range of services to enhancing member experience through various outreach initiatives, we have continually adapted to meet the needs of those we serve. Today, we are proud to offer essential financial services that include loans and deposit accounts while maintaining a personal touch that sets us apart.

Our Mission

At St. Ludmila Credit Union, our mission is straightforward: to provide exceptional financial services while supporting our community's growth and well-being. We believe in the power of community banking and strive to make a positive impact in every member's life. Our team works diligently to ensure that all members feel valued and understood when they walk through our doors. While members can visit us at 211 21st Ave SW for all their banking needs, official correspondence should be sent to 211 21st Ave SW, Cedar Rapids, IA 52404-3615 if you wish to connect with us formally.

Branch Location & Accessibility

Convenient Access

At St. Ludmila Credit Union, we prioritize your convenience and accessibility. While you can always visit us at our branch address for in-person services, if you need to send official correspondence, please use our mailing address: 211 21st Ave SW, Cedar Rapids, IA 52404-3615. Our location is designed with your comfort in mind, featuring accessible parking and ADA-compliant entryways.

Operating Hours

We understand that life can be busy, so we aim to offer flexible operating hours that fit into your schedule. You can reach out to us anytime during business hours by calling 319-362-7282. Our friendly staff is eager to help with any questions or concerns you may have.

Services Offered

Although we currently do not have an ATM or drive-thru service available, our branch is dedicated to providing essential banking services tailored to meet your needs. From straightforward account management to helpful financial guidance, our team is here to assist you every step of the way.

Visit Us Today!

We invite you to stop by St. Ludmila Credit Union and experience the personal touch of a community-focused bank. Whether you're looking to open an account or simply want to chat about your financial goals, we're here for you. Come see us today!

Member Eligibility

At St. Ludmila S, we believe that joining our community should feel welcoming and personal. Becoming a member is simple! If you live, work, or worship in the Cedar Rapids area, you're likely eligible to join us. We embrace individuals from all walks of life, ensuring everyone has access to our friendly financial services designed just for you. Being a part of St. Ludmila S means gaining more than just a bank; it's about building relationships and receiving tailored support that truly makes a difference in your financial journey. To learn more about the specific eligibility criteria, we invite you to check out this resource: . If you're ready to take the next step and open an account, you can find all the details on how to get started at . For any questions or assistance, don't hesitate to give us a call at (319) 362-7282. We're excited to welcome you into our community at 211 21St Ave Sw Cedar Rapids Ia 52404!

Business Banking & Commercial Services

Commercial Loan Options

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 Matter

Imagine having a reliable partner who understands the day-to-day challenges of running a business. Our merchant services are designed to simplify transactions, allowing you to focus on what you do best. From efficient payment processing to helpful tools that track sales, we provide practical solutions that can enhance your operations. Visit us at 211 21St Ave Sw Cedar Rapids Ia 52404 in Cedar Rapids, IA or call us at (319) 362-7282 to explore how our business banking and commercial services can empower your business today!

Comprehensive List Of Services

Banking Made Easy

One of the standout features at St. Ludmila S is our commitment to providing top-notch ATM services only. This means that while we focus on ensuring your cash withdrawal needs are met conveniently and efficiently, we also strive to keep your overall banking experience simple and effective. Imagine needing cash for a last-minute grocery run or a special event; with our ATM services, you can quickly access your funds without any hassle.

Community Connection

Being a part of Cedar Rapids means more than just providing financial services; it's about connecting with our community. At St. Ludmila S, we actively engage with local events and organizations because we believe in supporting our members beyond banking. We aim to build lasting relationships that help foster a sense of belonging and trust within our community.

Personalized Support

In addition to our ATM services, we pride ourselves on offering personalized support to meet your financial goals. Whether you need guidance on budgeting, saving for a family vacation, or exploring loan options for a new car or home improvement project, our knowledgeable staff is ready to assist you every step of the way. We understand that each member has unique needs and are dedicated to finding solutions tailored just for you.

Stay Connected Digitally

While we currently offer traditional ATM services, we're excited about the potential growth in digital banking options in the future. We recognize how important convenience is in today's fast-paced world and are committed to enhancing your banking experience as technology evolves. In conclusion, whether you're stopping by for quick cash or seeking advice on managing your finances better, St. Ludmila S is here to support you every step of the way. Don't hesitate to reach out; call us at 319-362-7282 if you have any questions or want to learn more about how we can assist you today!

Digital & Online Banking

Key Features

While we currently don't offer electronic signature authorization or e-statements, our commitment to simplicity and user-friendliness remains strong. Unfortunately, mobile payments and person-to-person transfers aren't available yet either. However, our team is always looking for ways to enhance your experience and expand our offerings.

Security and Accessibility

Your security is our top priority. We use robust measures to keep your information safe while you enjoy the ease of online banking. You can feel confident knowing that your accounts are protected as you navigate through your banking tasks. Whether you're checking transactions or managing payments, everything is designed with accessibility in mind. Even without a mobile application right now, you'll find that accessing your accounts online is straightforward and efficient. In summary, St. Ludmila S aims to provide you with essential digital banking services that prioritize convenience and security. We're continually working on improving our offerings for a better banking experience. If you have any questions or need assistance, don't hesitate to reach out at (319) 362-7282.

Financial Strength

A Solid Foundation

With a net worth of $115,422, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $3,287 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Dedicated Team Ready to Serve You

We also take pride in having 0 full-time employees and 2 part-time employees who are always ready to assist you with their knowledge and commitment. Our dedicated team ensures that every interaction you have with us is positive.

Growing Membership Base

With 100 showing a strong member base that trusts us with their finances, it's clear that our focus remains on you our valued member. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, St. Ludmila S is your trusted partner. Visit us at 211 21St Ave Sw Cedar Rapids Ia 52404 or call (319) 362-7282 to learn more about how we can help you achieve your financial goals.

Investing in Your Future

With $78,765 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is also impressive; we have $14 in used auto loans and $263,755 in total loans and leases, supporting your financial goals across various sectors. Our commitment to operational efficiency is reflected in our $5,607. This allows us to continue offering competitive loan rates and solid financial products for our members.

Your Savings Are Secure

Members' savings are secured through $0 in share certificates and $0 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.

Loan Offering

Additional Loan Options

For those considering business opportunities, while there are no outstanding commercial loans at this time, we're always here to discuss potential financing solutions as your business grows. Additionally, if you're interested in refinancing options or need assistance with eligibility requirements, please reach out; our team is ready to guide you through the process. We take pride in serving Cedar Rapids and surrounding areas from our location at 211 21st Ave SW Cedar Rapids IA 52404. If you have questions about any of our loan products or want to explore how we can assist you further, feel free to call us at (319) 362-7282. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. We look forward to helping you achieve your financial dreams!

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $203,971 in used vehicle loans and $55,613 in new vehicle loans already helping members get on the road. Whether you're eyeing a brand-new model or a reliable used car, our flexible terms and competitive rates make it easy for you to drive away happy.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. While we currently have no Junior Lien 1-4 Family Residential Properties loans available, we encourage you to stay in touch for future opportunities as we continue to expand our offerings.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans. Although we currently do not have any active unsecured credit card loans totaling $0, our commitment to providing options remains strong. When available, these products can help members manage their finances effectively without the burden of collateral.

Loan Aggregator

Ensuring Accurate Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This sourcing method ensures that users receive fair and transparent offers. Each lender's information is regularly updated to reflect current market conditions, providing a trustworthy basis for comparison.

Key Benefits of Using LendMesh

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ST. LUDMILA S CREDIT UNION