The Health & Education Lexington KY Credit Union | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to The Health & Education, your trusted partner for financial well-being located at 424 Park Pl, Lexington, KY 40511. Since our establishment in 1956, we've been dedicated to serving our community, providing tailored financial solutions that meet the unique needs of our members. With a strong membership base of over 12,600 individuals, we pride ourselves on fostering lasting relationships and delivering personalized services. At The Health & Education, we understand that life can bring both opportunities and challenges. That's why we offer a wide range of services, including personal banking, auto loans, mortgages, and business banking solutions. With total assets exceeding $114 million and deposits totaling around $16.9 million, you can trust that your finances are in capable hands. Our commitment to security is reflected in our strong net worth of $17.9 million and cash reserves of $1.3 million, ensuring stability for our members. While you can visit us at our branch location for all your banking needs, official correspondence should be sent to the same address: 424 Park Pl, Lexington, KY 40511-1829. Our friendly team is here to assist you with any questions or concerns you may have. You can reach us at (859) 231-8262, and we encourage you to drop by during our lobby hours: Monday through Thursday from 9 AM to 5 PM, Friday until 5:30 PM, and Saturday from 9 AM to 12 PM. Under the leadership of CEO Joe Staff and Board President David Riel, we remain committed to enhancing the financial lives of our members while contributing positively to our community. Join us today and discover how The Health & Education can help you achieve your financial goals! Visit us online at thefcu.com or call us for more information. We look forward to welcoming you!

Branch History & Mission

Commitment to Progress

In today's fast-paced world, we understand the importance of adapting to meet the needs of our members. That's why we've embraced digital advancements such as online banking and mobile payments. These services ensure you can manage your finances anytime and anywhere. Our commitment extends beyond banking. We actively engage in partnerships that foster community development and outreach initiatives aimed at promoting health and education in Lexington. By working together with local organizations, we strive to make a positive impact in the lives of those around us. As we look toward the future, The Health & Education branch remains dedicated to providing exceptional service while remaining true to our roots in community support. We invite you to join us on this journey! Experience firsthand how being part of The Health & Education family can benefit you and your loved ones. For inquiries or assistance, feel free to reach out at 859-231-8262. Let's build a brighter future together!

Our Mission

At The Health & Education branch, our mission is clear: we aim to provide personalized financial services while supporting the health and education sectors within our community. We believe that strong communities start with financially empowered individuals. Our focus on community support means we not only offer traditional banking services like checking and savings accounts but also provide specialized services such as auto loans, mortgage refinancing, and business banking solutions. Our drive-thru service adds convenience for those on the go. While we do not currently offer ATM services at this location, our friendly staff are always ready to assist you with any transactions you may need. For official correspondence, please send it to our mailing address at 424 Park Pl, Lexington, KY 40511-1829.

Branch Location & Accessibility

Contact Us

Have questions or need assistance? Don't hesitate to reach out! You can give us a call at 859-231-8262. We're excited to help you with all your banking needs. Come visit us today and experience the difference a community-focused credit union can make!

Operating Hours

We're here for you during convenient hours. Our lobby is open from 9 AM to 5 PM Monday through Thursday, with extended hours until 5:30 PM on Friday. If you need to stop by on Saturday, we're ready to welcome you from 9 AM until noon.

Services Offered

At The Health & Education, we offer a variety of personal banking services tailored to meet your needs. From checking and savings accounts to auto loans and mortgages, we've got you covered. Need quick assistance? Our drive-thru service allows for simple transactions like deposits and withdrawals without leaving your vehicle.

Member Eligibility

At The Health & Education, we believe that becoming a member means joining a supportive community that truly cares about your financial well-being. If you're looking to join us at our welcoming location at 424 Park Pl Lexington Ky 40511, the good news is that eligibility is straightforward and inclusive. Generally, membership is open to individuals who meet certain criteria, such as living, working, or studying in the area, or being related to a current member. This means that whether you're starting your financial journey or seeking better options for your banking needs, there's a place for you here. Joining is easy! You can begin the process by visiting our account opening page at https://online.thefcu.com/auth/enrollment. If you have any questions or need assistance, don't hesitate to give us a call at (859) 231-8262. For more detailed eligibility criteria, feel free to check out our resource page. We're excited to welcome you into the The Health & Education family, where you'll enjoy personalized service and a range of financial products designed just for you!

Business Banking & Commercial Services

Merchant Services That Empower

In addition to loans, our merchant services simplify everyday transactions so you can focus on what you do best running your business. Imagine effortlessly accepting payments from customers whether they're shopping in-store or online. Our services ensure quick, secure transactions that keep your cash flow steady and your operations smooth. Visit us at 424 Park Pl Lexington Ky 40511 in Lexington, KY or give us a call at (859) 231-8262. Let's work together to make your business ambitions a reality!

Tailored Loan Options for 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. For those outside our membership, 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.

Comprehensive List Of Services

Additional Services

Our commitment extends beyond basic banking; we also provide ATM services for cash withdrawals as well as assistance for simple transactions through our drive-thru. Whether it's handling day-to-day banking needs or planning for future investments, The Health & Education is here for all your financial requirements. In summary, from personal banking solutions to business services and convenient digital access, The Health & Education in Lexington offers everything you need under one roof. Ready to experience personalized service? Call us today at 859-231-8262 or visit us at our branch! Let's work together towards achieving your financial goals!

Business Banking Services

For entrepreneurs and small business owners, The Health & Education provides essential business banking services. Our merchant services can streamline your payment processing, while our business loans give you the capital needed to grow and expand your operations. We understand that running a business is demanding, so we aim to provide solutions that let you focus on what matters most: your success.

Convenient Online & Mobile Banking

We know how important convenience is in today's fast-paced world. That's why we offer robust online and mobile banking features. With just a few clicks or taps, you can manage your accounts, transfer funds, pay bills, and even make person-to-person payments anytime and anywhere. Plus, with our drive-thru service available for quick transactions like deposits and withdrawals, accessing your money has never been easier.

Personal Banking Solutions

When it comes to personal banking, we offer a variety of options tailored just for you. You can open checking and savings accounts that fit your lifestyle and help you manage your finances effectively. If you're considering buying a new vehicle, our auto loans and vehicle financing can make that dream a reality with competitive rates and flexible terms. For those looking to buy a home or refinance an existing mortgage, our mortgage loans provide you with the support you need throughout the process. If unexpected expenses arise or you're facing financial challenges, our personal loans and debt consolidation services can help ease your burden. We also offer credit cards with rewards that allow you to earn points on your purchases perfect for those who love to shop or travel!

Digital & Online Banking

Accessibility and Ease-of-Use

Our digital banking tools are designed to empower you with real-time account management. You can quickly view transactions and get instant notifications about your account activity. This way, you'll always be informed about your financial status. Whether you're a tech-savvy individual or someone who prefers simplicity, our platform caters to all members. With straightforward navigation and accessible features, managing your finances has never been easier. Experience the benefits of modern banking today with The Health & Education! For more details or to start using our online services, visit us at https://www.thefcu.com.

Key Features

With our 24/7 online banking services, you have the freedom to check balances, pay bills, and transfer funds whenever it suits you. Plus, if you prefer going paperless, you can sign up for e-statements, allowing you to keep track of your finances without the clutter. For those who want even more flexibility, our mobile application makes banking on the go a breeze. You can easily make payments using our mobile payments feature and send money to friends or family with just a few taps through person-to-person transfers. Security is a top priority for us at The Health & Education. While we currently do not offer electronic signature authorization, rest assured that all transactions are protected by advanced security measures to keep your information safe.

Financial Strength

Commitment to Growth and Support

With $17,886,016 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 $931 in used auto loans and $43,294,655 in total loans and leases.

Member-Centric Savings and Investments

Members' savings are secured through $4,057,847 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.

Operational Efficiency

Our $531,813 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 14 full-time employees and 8 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Solid Financial Foundation

With a net worth of $17,893,670, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 15.59% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Trust Built on Numbers

Total Share and Deposit Accounts stand at 20,041, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $277,905. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, The Health & Education is your trusted partner. Visit us at 424 Park Pl Lexington Ky 40511 or call (859) 231-8262 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 $12,758,926 in used vehicle loans and $5,324,134 in new vehicle loans already helping members get on the road. We provide financing options for both new and used vehicles, ensuring you find the right fit for your budget.

Credit Lines and Unsecured Credit Cards

For those who need flexibility in managing expenses, we have credit lines available totaling $9,000,000. Additionally, we also offer flexible terms on unsecured credit card loans, with a total of $1,383,909 in loans helping members manage their finances effectively. This is a great option for unexpected costs or consolidating debt. If you're interested in any of our loan products or want to learn more about eligibility options and refinancing opportunities, don't hesitate to reach out. You can contact us at 859-231-8262 or visit us at our branch located at 424 Park Pl Lexington Ky 40511. 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 achieving your financial aspirations!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $4,162,733, make buying or refinancing simple. We offer various terms and competitive rates to meet your needs. If you're considering refinancing your current mortgage, we can guide you through the process to help lower your payments or access equity.

Loan Aggregator

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Ensuring Accurate Comparisons

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Take Action Today

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.

THE HEALTH & EDUCATION FEDERAL CREDIT UNION - Lexington, KY

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