Superior Credit Union Lima OH | Best Auto Loans & Checking Accounts

Introduction

At Superior Credit Union, Inc, located at 2850 Bible Rd, Lima, OH 45801, we believe that financial services should be more than just numbers they should be a trusted partnership. Since our establishment in 1954, we've been dedicated to supporting our community and helping our members achieve their financial goals. With over 102,249 members and total assets of $1,790,804,673, we pride ourselves on being a reliable resource for personal banking, auto loans, mortgages, and much more. Under the leadership of our CEO Phillip Buell and Board President James Bacome, we've built a strong foundation rooted in trust and transparency. Our team of 256 employees is committed to providing exceptional service tailored to your needs. Whether you're looking to open a checking account or secure a business loan, we offer a range of services designed to empower you financially. While members can visit us at our Lima branch for all their banking needs, official correspondence should be directed to our main office if necessary. We are proud to hold a net worth of $243,005,208 and maintain total deposits of $83,055,416. Our commitment extends beyond finances; we're here to foster relationships that uplift our community. Explore what we have to offer by visiting our website at superiorcu.com or give us a call at 419-223-2746. Join us in creating a brighter financial future together!

Branch History & Mission

Welcome to Superior Credit Union, Inc., a place where community and financial well-being come together in Lima, OH. Since opening our doors in 1954, we have been dedicated to serving our members with integrity and commitment. Nestled at 2850 Bible Rd, Lima, OH 45801, our branch has witnessed remarkable growth and change over the years, evolving from a small credit union into a vibrant institution with over 102,249 members and total assets exceeding $1.79 billion. Our mission is simple yet powerful: we strive to enhance the financial lives of our members while fostering community engagement. We believe that everyone deserves access to quality financial services that empower them to achieve their goals. Whether you're looking for personal banking solutions like checking and savings accounts or loans for your next vehicle or home, we are here to support you every step of the way. Superior Credit Union is not just about numbers; it's about people. Our rich history is filled with milestones that reflect our dedication to both service and innovation. From the introduction of online banking options to mobile payments, we've embraced advancements that make banking easier for you. We also prioritize accessibility by ensuring our facilities comply with ADA standards, so everyone can benefit from our services. Community outreach is at the heart of what we do. Through partnerships with local organizations and initiatives aimed at improving financial literacy, we work tirelessly to give back to the neighborhoods that have supported us over the decades. Our shared service center offers basic banking transactions for partner credit union members, further expanding our reach within the community. For those who need it, our ATM services provide convenient access to cash whenever required. While we currently do not offer drive-thru banking, we're always exploring new ways to enhance member experience and convenience. If you need assistance or have questions, don't hesitate to reach out! You can call us at 419-223-2746 during lobby hours from 11:00 AM to 12:00 PM, Monday through Friday. While you can visit us at our branch address for all your banking needs, official correspondence should be sent directly to us at 2850 Bible Rd, Lima, OH 45801. Join Superior Credit Union today and discover how we can help you achieve your financial dreams while being part of a caring community. Explore more about us on our website at superiorcu.com. Together, let's build a brighter future!

Branch Location & Accessibility

Convenient Access

Getting to our location is simple! We are situated near local landmarks that make finding us a breeze. Plus, we offer parking facilities for your convenience, ensuring that your visit is as stress-free as possible. For those who require accessibility features, our branch is ADA compliant, with ramps available for easy entry.

Operating Hours

We know how busy life can get, which is why our lobby hours are designed to fit into your schedule. You can visit us Monday through Friday from 11:00 AM until 12:00 PM during student lunch hours. This makes it easy for students and community members alike to stop by during their day.

Services Offered

At Superior Credit Union, we pride ourselves on providing a wide range of services tailored to meet your financial needs. From personal banking solutions like checking and savings accounts to auto loans and credit cards with rewards, we have something for everyone. Additionally, our shared service center allows for basic transactions if you're a member of a partner credit union. For added convenience, we also offer ATM access so you can manage your cash easily. While we don't have drive-thru services currently available, our friendly staff is eager to assist you inside the branch.

Visit Us Today!

We invite you to come by and experience the difference at Superior Credit Union. Whether you're looking for advice on your financial journey or need assistance with specific services, we're here for you. Don't forget if you prefer online banking options or want to open an account quickly, visit us at superiorcu.com. We look forward to welcoming you soon!

Member Eligibility

Becoming a member of Superior Credit Union, Inc feels like joining a caring community where your financial well-being matters. If you're looking to become part of this supportive family, you'll find that eligibility is straightforward and welcoming. Generally, membership is open to anyone who lives, works, worships, or attends school in the Lima area. This means whether you're a student at Bath High School or a resident in the neighborhood, you can easily join our community and enjoy all the benefits we offer. Not only do members gain access to a variety of financial products and services tailored to their needs, but they also enjoy lower fees and better rates compared to traditional banks. Ready to take the next step? Opening an account at Superior Credit Union, Inc is simple! Just visit our website for detailed information on how to apply by following this link: http://www.superiorcu.com/accounts/checking/open-account-online. If you have any questions or need assistance, feel free to give us a call at (419) 223-2746. We're here to help you every step of the way as you start your journey with us. For more details on eligibility, check out our resource page here: . Join us today and experience the difference!

Business Banking & Commercial Services

Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $274 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $12 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $136,853,311, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, we offer merchant services that make everyday transactions easier for your business. Whether you're running a retail shop or a service-based company, our payment processing solutions help you accept payments smoothly, allowing you to focus more on what you do best serving your customers. Visit us at 2850 Bible Rd Lima Oh 45801 in Lima, OH, or call us at (419) 223-2746 to discover how we can help your business thrive!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need cash? Our ATM services ensure you have access when you need it most. With basic ATM access for balance checks and withdrawals available at various locations, getting cash is quick and easy.

Auto Loans & Vehicle Financing

Thinking about getting a new car? Our auto loans provide competitive rates and flexible terms to help you drive away in the vehicle of your dreams. We understand that purchasing a car is a significant investment, so we strive to make the financing process straightforward and stress-free.

Business Banking

For our entrepreneurial members, we offer business banking services including merchant services and business loans. We understand the challenges of running a business, which is why we're here to support you with financial products tailored specifically for small businesses.

Credit Cards with Rewards

Our credit cards come with exciting rewards designed to give back as you spend. Whether you're earning points for travel or cash back on purchases, these cards can turn everyday spending into valuable benefits.

Digital Banking Features

In today's fast-paced world, convenience matters. That's why at Superior Credit Union we provide robust online and mobile banking options. Manage your accounts with ease via our mobile application, make payments through mobile payments features, or transfer money person-to-person all from the comfort of your home or on the go.

Mortgage Loans & Refinancing

If homeownership is on your mind, consider our mortgage loans. We offer various options that can cater to first-time buyers as well as those looking to refinance their existing loans. Picture settling into your new home while enjoying manageable monthly payments that's what we aim for!

Personal Banking

When it comes to personal banking, we have you covered with checking and savings accounts designed for your everyday needs. Whether you're saving for a big purchase or managing daily expenses, our accounts offer features that make banking simple and convenient. Imagine having easy access to your funds through our online and mobile banking platforms, allowing you to check balances or transfer money from anywhere.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way, and that's where our personal loans come in handy. Whether it's for medical bills or home repairs, we've got solutions that fit your budget. Plus, if you're juggling multiple debts, our debt consolidation loans can simplify your finances by combining them into one easy payment.

Shared Branch Transactions

As part of our commitment to member service, we offer basic shared branch transactions for partner credit union members too! If you're traveling or away from home, accessing your funds has never been simpler. If you're ready to take the next step toward better financial management or if you simply want more information about any of our services, please don't hesitate to reach out! Call us at 419-223-2746 or visit us in person during student lunch hours. Discover how Superior Credit Union can empower your financial future today!

Digital & Online Banking

E-Statements and Mobile Features

We also provide e-statements for those who prefer going paperless. This not only helps you stay organized but also contributes to a more sustainable environment. And if you're always on the move, our mobile application allows you to manage your accounts directly from your smartphone. You can even make mobile payments easily and securely. Our person-to-person transfer feature lets you send money to friends or family quickly without the hassle of cash or checks. It's perfect for splitting bills or sending gifts. With these tools at your fingertips, managing your finances has never been easier. In summary, whether you're using our website or mobile app, every aspect of our digital banking services is designed for ease of use and maximum security. Join us at Superior Credit Union, Inc., where we prioritize accessibility and member satisfaction in every transaction!

Financial Strength

Growing Member Base

Our commitment to serving our members is reflected in our total share accounts of 208,251, showcasing a strong and growing member base that trusts us with their finances. Additionally, net shares available for lending stand at $12,141,484, ensuring we can meet your needs effectively. Our financial strength means we can continue serving you with confidence. Whether you're saving or borrowing or planning for the future, Superior Credit Union is your trusted partner. Visit us at 2850 Bible Rd Lima Oh 45801 or call 419-223-2746 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Member Savings Secured

Members' savings are secured through $258,942,410 in share certificates and $514,446,638 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $18,289,253, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our operational efficiency shines through with a reported net income of $0, allowing us to focus on member satisfaction rather than profit margins alone. We also take pride in having 241 full-time employees and 15 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team.

Reinvesting in Our Community

With $218,707,423 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 significant: we have $8,193 in used auto loans and a total of $1,072,730,194 in loans and leases available to support your financial goals across various sectors.

Solid Financial Health

With a net worth of $243,005,208, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 1357 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $99,343,048 in used vehicle loans and $42,682,022 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive interest rates to ensure you can find the right fit for your budget.

Business Financing

For business owners, our outstanding commercial loans totaling $136,853,311 provide the capital needed to grow and expand your enterprise. We understand that every business has unique needs; that's why we work closely with you to develop financing solutions that fit your objectives. If you're considering refinancing any existing loans or want to check your eligibility for one of our products, please reach out to us at 419-223-2746. Our knowledgeable team is here to assist you every step of the way. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At Superior Credit Union, Inc., we're committed to providing exceptional service and financial products that empower our members to succeed financially. Visit us today or explore our offerings online at superiorcu.com.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $101,565,931, make buying or refinancing simple. We offer guidance throughout the process so that you can feel confident making one of the most significant investments of your life.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $9,586,030 in loans helping members manage their finances effectively. Our credit cards come with rewards and benefits designed to enhance your spending experience while maintaining control over your budget.

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Superior Credit Union Inc