TLCU Financial Mishawaka IN Credit Union | Best Auto Loans & Low Mortgage Rates

Introduction

Welcome to Tlcu Financial, your trusted partner in financial well-being located at 1816 N Main St, Mishawaka, IN 46545. Since our establishment in 1953, we have dedicated ourselves to serving our members with integrity and care. With a robust membership of 3,934 individuals and total assets amounting to an impressive $52,167,292, we are committed to providing you with the financial solutions that fit your lifestyle. At Tlcu Financial, we believe in community. Our focus is not just on numbers; it's about enhancing the lives of our members and supporting local initiatives. As part of this commitment, we proudly offer a range of services including personal banking, auto loans, mortgage options, and business banking solutions. With total deposits reaching $1,448,474 and a net worth of $8,397,801, you can trust that your finances are in capable hands. Our experienced team, led by CEO Kendra Fleckner and Board President Deric Eggleston, works diligently to ensure you receive personalized service tailored to your needs. We employ a dedicated staff of 14 employees who are here to assist you with all your banking needs. Whether you're visiting us in person or accessing our online services through our website at tlcufinancial.org, we strive to make your experience seamless and rewarding. While members can visit us at our branch location, official correspondence should be sent to our mailing address: PO Box 804, Mishawaka, IN 46546. We invite you to reach out to us at (574) 255-3193 for any inquiries or assistance. Discover how we can support your financial journey today!

Branch History & Mission

Welcome to the heart of Mishawaka, where Tlcu Financial has been serving the community since 1953. Nestled at 1816 N Main St, Mishawaka, IN 46545, our branch has grown from a small local credit union into a vital part of the lives of nearly 3,934 members. Over the years, we have built a legacy rooted in trust, support, and financial empowerment. From our humble beginnings, Tlcu Financial has evolved significantly. Our total assets now stand at an impressive $52,167,292, reflecting our dedication to providing valuable financial services tailored to meet the needs of our members. As we celebrate decades of service, we are proud to offer a range of products including checking and savings accounts, auto loans, mortgages, personal loans, and credit cards with rewards. At the core of our mission is a commitment to uplift our community. We believe that everyone deserves access to quality financial resources and support. Our mission is simple: to enhance the financial well-being of our members while actively contributing to community development. This means not only providing exceptional banking services but also participating in local initiatives that foster growth and connection. While members can visit us at 1816 N Main St, official correspondence should be sent to PO Box 804, Mishawaka, IN 46546. We are open Monday through Thursday from 9 AM to 5 PM, Friday from 8:30 AM to 5:30 PM, and Saturday from 9 AM to 12 PM for your convenience. In addition to our traditional banking services, we embrace modern advancements in technology. Members enjoy online banking options and mobile applications that make managing finances easier than ever before. Our facilities are ADA compliant, ensuring accessibility for everyone. Our branch is equipped with an ATM and offers drive-thru banking for quick transactions. We also participate in shared service centers so you can access your account even when you're away from home. Community outreach remains close to our hearts. Through partnerships with local organizations and events, we strive to make a positive impact in Mishawaka. Join us at Tlcu Financial and experience the difference that a dedicated credit union can make in your life. Whether you're looking for personal banking solutions or ways to contribute back to your community, we're here for you every step of the way. Connect with us today by calling 574-255-3193 or visit our website at tlcufinancial.org. Together, let's build a brighter financial future!

Branch Location & Accessibility

Accessibility Features

At Tlcu Financial, we prioritize accessibility for all our members. Our branch is equipped with features like ramps and ADA-compliant facilities to ensure everyone can enjoy their banking experience without any hassle. Plus, we have ample parking available so you can easily find a spot when you visit us.

Operating Hours

We understand that life gets busy! That's why we're open during convenient hours to fit your schedule. Visit us Monday through Thursday from 9 AM to 5 PM, Friday from 8:30 AM to 5:30 PM, and Saturday from 9 AM until noon. Our dedicated staff is ready to help you during these times.

Services Available

At our Mishawaka location, we offer a variety of services tailored for your financial needs. From personal banking options like checking and savings accounts to auto loans and credit cards with rewards, we have something for everyone. If you're in need of quick cash or simple transactions, our drive-thru service is available for deposits and withdrawals without leaving your vehicle. We also provide ATM access for fast withdrawals and balance checks whenever you need them. Additionally, if you're a member of another credit union participating in shared services, feel free to stop by for basic transactions such as deposits and withdrawals.

Visit Us Today!

We invite you to come experience the difference at Tlcu Financial. Our friendly team is eager to meet you and help guide you on your financial journey. If you have questions or need assistance before your visit, don't hesitate to give us a call at 574-255-3193. We look forward to seeing you soon!

Member Eligibility

Joining the Tlcu Financial community means becoming part of a caring family that's dedicated to your financial well-being. At Tlcu Financial, located at 1816 N Main St, Mishawaka, IN 46545, we welcome individuals who live, work, worship, or attend school in our local area. This inclusiveness makes it easy for many people to become members and enjoy our range of personalized banking services. If you're curious about the specific eligibility requirements, feel free to visit our detailed guide at this link. Becoming a member is straightforward and rewarding. Not only will you gain access to various financial products tailored just for you, but you'll also join a community that prioritizes your needs and goals. To kickstart your journey with us, simply reach out at 574-255-3193 or check out our account opening process online at this page. We can't wait to welcome you!

Business Banking & Commercial Services

Merchant Services That Make a Difference

Imagine being able to process payments seamlessly while focusing on what truly matters growing your business. Our merchant services provide practical solutions that streamline transactions, making it easier for you to serve your customers efficiently. Whether you need point-of-sale systems or online payment options, we're here to help simplify your operations. Located at 1816 N Main St Mishawaka In 46545 in Mishawaka, IN, we invite you to explore how our business banking services can fuel your success. Reach out today at (574) 255-3193 to learn more about how we can assist you on your path to growth!

Tailored 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.

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about purchasing a new car? We offer competitive auto loans and vehicle financing tailored to help you get behind the wheel without breaking the bank. With flexible repayment options, buying a car becomes much more manageable.

Business Banking

For our business members, we offer merchant services and business loans tailored for small businesses looking to grow. We understand the challenges of running a business and aim to provide support through accessible financial solutions.

Convenient Access Services

We also offer essential services like ATM access for cash withdrawals and balance checks, along with basic drive-thru banking for deposits and simple transactions. Plus, if you're a member of another participating credit union, our shared branching services allow you to perform deposits and withdrawals right here at Tlcu Financial. Ready to explore what we have in store for you? Visit us today or give us a call at 574-255-3193! Your financial journey starts here at Tlcu Financial in Mishawaka where we're committed to serving our members with care and expertise!

Credit Cards with Rewards

Our credit cards come with rewards that can benefit you every time you swipe! Whether it's cash back on groceries or travel points for your next vacation, we offer options that cater to how you spend your money.

Mortgage Loans & Refinancing

If you're ready to buy a home or refinance your existing mortgage, our mortgage loans are here to help you make that dream a reality. We understand that buying a home is one of the biggest decisions you'll ever make. Our friendly staff is prepared to guide you through every step of the process, making it as straightforward as possible.

Personal Banking

Our personal banking services are designed to make everyday banking easy and efficient. You can open checking and savings accounts that fit your lifestyle. Imagine having access to your funds whenever you need them, whether it's for daily expenses or saving for that special vacation. Our online and mobile banking options ensure that you can manage your accounts from the comfort of your home or on the go.

Personal Loans & Debt Consolidation

Sometimes life throws unexpected expenses your way. Our personal loans can provide you with quick access to funds when you need them most. Additionally, if you're struggling with multiple debts, consider our debt consolidation options. We'll work with you to find a solution that makes managing payments easier.

Digital & Online Banking

Accessible Online Banking

With our 24/7 online banking services available at https://tlcufinancial.org/ , you can access your accounts anytime, anywhere. Whether you need to check your balance or transfer funds, our user-friendly interface makes it simple. Plus, with person-to-person transfers, sending money to friends or family is just a few clicks away.

Banking Made Simple

Overall, our digital and online banking services combine accessibility, ease-of-use, and real-time account management to provide you with the best possible experience. Join us at Tlcu Financial to take advantage of these features and make banking work for you!

Go Paperless with E-Statements

We also provide e-statements for those who prefer a more environmentally friendly way to manage their finances. Say goodbye to clutter and keep your records organized with digital statements that are easy to access and secure.

Mobile Application Convenience

For even greater convenience, our mobile application lets you bank on the go. With features like electronic signature authorization, signing documents has never been easier or more secure. This means you can complete important transactions without needing to visit a branch.

Security You Can Trust

At Tlcu Financial, your security is our priority. Our online banking platform employs robust security measures, ensuring that your personal information stays safe. You can feel confident when managing your finances online.

Financial Strength

A Dedicated Team Ready to Serve You

We also take pride in having 10 full-time employees and 4 part-time employees. This dedicated team ensures our branches are always ready to serve you with knowledgeable support. With net shares available for lending and investments amounting to $11,019, we are well-positioned to help you achieve your financial goals. Our growing member base is evident with a total of 8,229 share accounts, showcasing the trust our community places in us.

Commitment to Improvement

With $8,384,740 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 members' financial goals across various sectors with $576 in used auto loans and $19,150,037 in total loans and leases. Our operational efficiency is reflected in our net income of $0, enabling us to continue offering competitive loan rates and solid financial products for our members.

Focused on Your Growth

Members' savings are secured through $4,372,864 in share certificates, offering stable and rewarding financial growth opportunities. Although we currently have $0 in money market shares, our focus remains on providing you with the best possible options for your savings. 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.

Solid Financial Health

With a net worth of $8,397,801, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. This solid foundation reflects our commitment to ensuring that you can rely on us for all your banking needs. Our net worth ratio of $1,609 demonstrates a robust capital base. This means we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Your Trusted Partner

Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Tlcu Financial is your trusted partner. Visit us at 1816 N Main St Mishawaka In 46545 or call (574) 255-3193 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 $8,577,937 in used vehicle loans and $3,976,884 in new vehicle loans already helping members get on the road. We provide financing options for both new and used vehicles, making it easier for you to make your next big purchase.

Credit Lines and Unsecured Loans

We also offer flexible terms on unsecured credit card loans, with a total of $1,024,455 in loans helping members manage their finances effectively. Additionally, our total credit lines amount to $3,410,000, providing you with the financial flexibility you need when unexpected expenses arise. If you're interested in exploring refinancing options or checking your eligibility for any of our loan products, please don't hesitate to reach out. We're here to help guide you through the process and ensure that you find the right loan for your situation. 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 Tlcu Financial, we're committed to providing personalized service and competitive rates that meet your individual financial needs. Visit us today!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $531,223, make buying or refinancing simple. Whether you're a first-time homebuyer or looking to refinance an existing mortgage, we have solutions tailored just for you.

Loan Aggregator

Accurate Loan 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 ), ensuring fair and transparent offers. This careful sourcing means that users can trust they are seeing accurate and legitimate loan options.

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" 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.

TLCU FINANCIAL CREDIT UNION