Streator Onized Credit Union Pontiac IL | Affordable Auto Loans & Business Banking

Introduction

At Streator Onized, we believe in the power of community and financial support. Located at 610 S Newport Rd, Pontiac, IL 61764, our branch has been serving members since 1940. With a commitment to building lasting relationships, we're proud to support over 37,000 members with a wide range of financial services tailored to meet your needs. Our dedicated team, led by CEO Douglas Patterson and Board President Scott Bulthuis, works tirelessly to ensure that our members receive the best possible service. We're not just another financial institution; we're your neighbors, invested in your success. Whether you need help with personal banking, auto loans, or business financing, our knowledgeable staff is here to assist you. With total assets reaching an impressive $375,008,858 and deposits totaling $20,930,459, we have a strong foundation to support our members' goals. Our loan portfolio includes 176,349 different loans and leases designed to help you achieve your dreams. Plus, with a net worth of $60,020,823, you can trust that your finances are in safe hands. While members can visit us at our branch for personalized service, official correspondence should be directed to our mailing address: PO Box 596, Pontiac, IL 61764. We invite you to explore all that we offer at our website socu.org or give us a call at 815-842-1437. Come see how Streator Onized can make a difference in your financial journey!

Branch History & Mission

Welcome to Streator Onized, a credit union that has been dedicated to serving the community of Pontiac, Illinois, since 1940. From our humble beginnings, we have grown into a trusted financial partner for over 37,000 members. Our branch, located at 610 S Newport Rd, Pontiac, IL 61764, has become a cornerstone of support and guidance for families and businesses alike. As we reflect on our journey, we are proud of the milestones that have shaped us. Over the years, we've expanded our services and improved our offerings to meet the evolving needs of our community. With total assets now exceeding $375 million, we remain committed to providing accessible financial solutions. Whether you're looking for personal banking options like checking and savings accounts or seeking financing for your next vehicle through our auto loans and vehicle financing programs, Streator Onized is here to help. Our mission is clear: We aim to empower our members by providing affordable financial services while fostering a spirit of community. We believe in not only supporting your financial goals but also giving back to the local area through various outreach programs and partnerships. From sponsoring local events to offering educational workshops about financial literacy, we strive to make a positive impact in Pontiac. While members can visit us at our branch location, official correspondence should be sent to PO Box 596, Pontiac, IL 61764. In addition to in-person services, we offer modern conveniences such as online banking and mobile payments. Our commitment to accessibility includes an ATM on-site and drive-thru banking for those who prefer quick transactions without leaving their vehicles. With operating hours designed for your convenience Monday through Friday from 9 am to 5 pm and Saturday from 9 am to 1 pm we're here when you need us most. The drive-up service operates even earlier from 7:30 am on weekdays and Saturdays. At Streator Onized, we invite you to join our growing family of members. Experience the benefits of personalized service and community-focused banking that prioritizes your needs. Contact us today at 815-842-1437 or explore more about us online at socu.org. Together, let's build a brighter financial future!

Branch Location & Accessibility

Welcome to the Streator Onized branch, conveniently located at 610 S Newport Rd in Pontiac, Illinois. Nestled in Livingston County, our branch is easily accessible and close to local landmarks, making it a great stop for all your banking needs. Whether you're visiting us for personal banking or business services, we are here to serve you. Our location offers ample parking and features that comply with accessibility standards, ensuring everyone can visit us comfortably. If you need to run errands while you're in the area, you'll find our branch right near popular spots, making it easy to drop by. We're proud to provide a range of services to our members, including checking and savings accounts, auto loans, and credit cards with rewards. Our friendly staff is ready to assist you during our lobby hours from Monday to Friday from 9 AM to 5 PM and Saturday from 9 AM to 1 PM. For those who prefer drive-thru service, we're open Monday through Friday from 7:30 AM to 5:30 PM and Saturday from 7:30 AM to 1 PM. For added convenience, we also have an ATM available so you can access your funds anytime you need. If you have questions or need assistance, feel free to call us at 815-842-1437. While members can visit us at 610 S Newport Rd Pontiac Il 61764, official correspondence should be sent to PO Box 596 in Pontiac, IL. We invite you to stop by soon and discover how Streator Onized can help meet your financial goals!

Member Eligibility

At Streator Onized, we believe that everyone deserves the opportunity to be part of a caring financial community. Becoming a member is simple and welcoming! If you live, work, or worship in the area around 610 S Newport Rd Pontiac Il 61764, you may already be eligible to join us. We strive to make our membership open to those who share our values and vision for a supportive financial environment. For more details on eligibility, feel free to check out this resource: . Joining is just the beginning of your journey with us, where you'll find a range of services designed to support your financial goals. From competitive loans to personalized banking options, being a member at Streator Onized opens up a world of possibilities tailored just for you. Ready to take the next step? You can easily open an account by visiting this link: https://banking.socu.org/loan-application/form or giving us a call at (815) 842-1437. We can't wait to welcome you into our community!

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. - We also support the broader business community with $1 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

In addition to loans, our merchant services simplify payment processing for your business. Imagine a local café seamlessly accepting credit cards and mobile payments, enhancing customer satisfaction while streamlining operations. At Streator Onized, we equip you with the tools necessary to handle transactions smoothly, allowing you to focus on what you do best growing your business. Ready to take the next step? Visit us at 610 S Newport Rd Pontiac Il 61764 in Pontiac, IL or call us at (815) 842-1437. Let's build a prosperous future together!

Comprehensive List Of Services

Business Solutions Tailored for You

For local business owners, we offer robust business banking services, including merchant services and business loans designed to fuel growth and success. We believe that strong businesses build strong communities, and we're proud to support your entrepreneurial journey.

Convenient Banking Options

In today's fast-paced world, convenience is key. That's why we provide extensive online and mobile banking options, allowing you to manage your finances wherever you are. Whether it's checking balances, transferring funds, or paying bills from the comfort of your home or on the go, we've got you covered. With our ATM & cash withdrawal services, accessing cash has never been easier.

Easy Access with Drive-Thru Services

If you're looking for quick transactions without leaving your car, take advantage of our basic drive-thru banking services for deposits, withdrawals, and simple transactions. Our friendly staff is always ready to assist you efficiently. At Streator Onized, we are dedicated to making banking accessible and user-friendly. With features like basic ATM access for withdrawals and balance checks at locations around Pontiac, we ensure that you can manage your finances easily. Ready to experience everything we have to offer? Visit us at 610 S Newport Rd Pontiac Il 61764 in Pontiac, IL or call us at (815) 842-1437 today! Your financial journey begins here with us at Socu Pontiac Branch!

Personal Banking Made Easy

Whether you're opening a new checking or savings account, managing your day-to-day finances, or planning for the future, our personal banking services are designed with you in mind. We offer checking and savings accounts that suit various lifestyles and preferences. If you're looking for financing options, our auto loans and vehicle financing make it easier than ever to get behind the wheel of your dream car. Plus, our mortgage loans and refinancing options are here to help you secure your perfect home or lower your monthly payments.

Support for Your Financial Journey

Sometimes life throws unexpected expenses your way. That's where our personal loans and debt consolidation services come into play. We understand that managing debt can be challenging, so we're here to help simplify the process. Additionally, our credit cards with rewards allow you to earn points on everyday purchases turning spending into savings!

Digital & Online Banking

Accessibility and Ease-of-Use

With mobile payments enabled, you can make purchases quickly and securely using just your phone. Imagine leaving your wallet at home but still being able to pay for groceries or coffee with a simple tap! This level of convenience ensures that managing your finances fits seamlessly into your daily routine. We also know that real-time account management is crucial. That's why we provide our members with the ability to monitor their accounts closely via online banking. You can receive instant alerts for transactions, helping you stay informed about your finances. In summary, Streator Onized is committed to providing accessible and user-friendly digital banking solutions that empower you to take control of your financial life with confidence. Discover all these features today by visiting us online at https://socu.org/ !

Key Services

Our online banking services allow you to check balances, pay bills, and transfer funds with just a few clicks. Whether you're at home or on the go, you can access your account anytime, anywhere. Plus, our mobile application provides an easy-to-use interface for those who prefer banking on their smartphones. You can even make person-to-person transfers easily, allowing you to send money to friends and family without any hassle. Security is our top priority. We utilize electronic signature authorization for added protection when signing important documents, ensuring that your transactions are safe and secure. Additionally, our e-statements feature allows you to view your financial statements online, helping you keep track of your spending while reducing paper clutter.

Financial Strength

A Dedicated Team

We also take pride in having 112 full-time employees and 15 part-time employees. This dedicated team ensures our branches are always ready to serve you with knowledgeable support tailored to your needs.

Growing Member Base

Our financial strength is further illustrated by the fact that we have a total of 67,166, showing a strong and growing member base that trusts us with their finances. With net shares amounting to $79,539, we are positioned well for future growth and sustainability. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Streator Onized is your trusted partner. Visit us at 610 S Newport Rd Pontiac Il 61764 or call (815) 842-1437 to learn more about how we can help you achieve your financial goals.

Lending Capacity

With $118,368 in used auto loans and $303,162,104 in total loans and leases, our lending capacity supports members' financial goals across various sectors. Our commitment to responsible lending is evident in our operational efficiency reflected by our $3,425,337, enabling us to continue offering competitive loan rates and solid financial products for our members.

Member Savings and Investments

Members' savings are secured through $142,530,638 in share certificates and $16,663,301 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.

Our Financial Health

With a net worth of $60,020,823, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,598 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 Improvement

With $55,996,847 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. This ensures that your money not only remains safe but also works hard for you.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. We currently have $172,357,749 in used vehicle loans and $25,739,474 in new vehicle loans already helping our members get on the road. Our flexible terms and competitive rates make it easier than ever to finance your next vehicle.

Credit Lines

For those who prefer ongoing access to funds, our total credit lines amount to $37,798,090. This allows for flexibility in managing unexpected costs or funding larger purchases without the hassle of applying for a new loan each time. At Streator Onized, we're dedicated to providing our community with accessible financial solutions tailored to individual needs. If you have questions about refinancing options or eligibility criteria, don't hesitate to reach out! You can contact us at (815) 842-1437 or visit us at our branch located at 610 S Newport Rd Pontiac Il 61764 in Pontiac, IL. 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 take the next step towards reaching your financial goals today!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $3,595,153, make buying or refinancing simple. We guide you through every step of the process, ensuring you find a solution that fits your budget and lifestyle.

Unsecured Credit Card Loans

Managing day-to-day expenses can be challenging, but we are here to help. We also offer flexible terms on unsecured credit card loans, with a total of $26,398,839 in loans helping members manage their finances effectively. This option provides you with easy access to funds whenever you need them.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. With a focus on transparency and accuracy, LendMesh is designed to empower users to make informed financial decisions. LendMesh ensures accurate loan comparisons by sourcing data 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 commitment to using verified information means that users can trust the loan offers presented, knowing they come from legitimate financial sources. One of the standout features of LendMesh is its commitment to verified data. All loan offers are sourced from reputable financial institutions, ensuring transparency in the options available to users. Additionally, there are no sponsored listings; LendMesh does not prioritize lenders based on paid promotions. The goal is straightforward: provide unbiased results that help users find the best loans for their needs. The platform also offers real-time rate comparisons, which means users always have access to the most current loan rates from multiple institutions. This feature enables individuals to compare various options quickly and effectively, making it easier to choose a loan that suits their financial situation. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This kind of feedback highlights the practical benefits of using this tool for finding competitive rates. Compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

STREATOR ONIZED CREDIT UNION - Pontiac, IL