Together Credit Union Toledo OH | Affordable Auto Loans & Business Banking

Introduction

Community Commitment

Our commitment to the Toledo community goes beyond numbers. Under the leadership of CEO Suzette Cowell and Board President Alpha McKinstry, we focus on providing personalized banking experiences that cater to your unique needs. With a team of 14 dedicated employees, we're here to ensure you receive exceptional service every time you visit.

Financial Services

We offer a wide range of services including checking and savings accounts, auto loans, mortgage financing, and credit cards with rewards. Our goal is to help you manage your finances effectively while making the most out of your hard-earned money. With over 908 loans and leases granted, we've helped many achieve their financial goals. While members can visit us at our branch location on Dorr St., official correspondence should be sent to the same address for convenience. You can reach us at 419-255-8876 or explore more about our offerings on our website: Toledo Urban.

Join Us Today!

We invite you to become part of the Toledo Urban family! Whether you're looking for competitive rates on loans or need assistance with everyday banking tasks, we are here for you. Stop by our branch during lobby hours from Monday through Friday or give us a call today! Your future starts here at Toledo Urban Credit Union let's build it together!

Branch History & Mission

Welcome to the heart of our community at Toledo Urban, located in the vibrant city of Toledo, OH. Since opening our doors in 1996, we have proudly served as a pillar of support for our members and the surrounding neighborhoods. With a commitment to fostering financial growth and security, we have grown significantly over the years, now boasting a membership of 4,299 individuals who trust us with their financial needs. At Toledo Urban, we believe in the power of community and the importance of accessible financial services. Our mission is to provide high-quality banking solutions while also giving back to the communities we serve. We are dedicated to helping our members achieve their financial goals through a range of services including personal banking, auto loans, mortgage options, and credit cards with rewards. Our branch is conveniently located at 1441 Dorr St, Toledo, OH 43607, making it easy for members to visit us in person. Just a short distance from local landmarks and easily accessible by public transport, we're here to assist you with all your banking needs. While members can visit us at this location for face-to-face service, official correspondence should be sent to the same address. As we evolved over the years, we embraced technology to enhance your banking experience. Our online banking services ensure that you can manage your accounts safely from anywhere, while our drive-thru service offers quick access for those on the go. We also maintain ADA compliance so that everyone can comfortably access our facilities. The total assets held by Toledo Urban amount to an impressive $16,732,996, reflecting our strong financial foundation and commitment to responsible management. Our operating hours are tailored to fit your busy schedule: Monday through Thursday from 9:00 a.m. to 5:00 p.m., Friday from 9:00 a.m. to 6:00 p.m., and Saturday from 9:00 a.m. to 12:00 p.m. We are proud of our partnerships within the community and remain active in outreach efforts aimed at improving financial literacy and stability among local residents. Your success is our priority, which is why we strive not just to meet your expectations but exceed them. If you're looking for a trusted partner in your financial journey, consider joining us at Toledo Urban. Experience firsthand how we can help you achieve your dreams while being part of a caring community that values each member's contribution. For more information or assistance, feel free to reach out at 419-255-8876 or visit our website at toledourban.net. Together, let's build a brighter future!

Branch Location & Accessibility

Get in Touch

If you have any questions or need assistance, feel free to give us a call at 419-255-8876. We're here to help you every step of the way. Come visit us today at Toledo Urban your community credit union where we put members first!

Operating Hours

At Toledo Urban, we value your time. That's why we offer flexible hours tailored to fit your schedule! You can visit us Monday through Thursday from 9:00 a.m. to 5:00 p.m., and on Fridays until 6:00 p.m. Need some banking done over the weekend? Our drive-thru is open on Saturdays from 9:00 a.m. to 12:00 p.m.

Parking and Accessibility

We understand how important accessibility is for our members. Our branch offers ample parking space right outside, ensuring a hassle-free experience when you arrive. We are committed to providing an inclusive environment, featuring ADA-compliant ramps and entrances for those who may require additional assistance.

Services Offered

Our branch is more than just a place to deposit money; it's your one-stop shop for personal banking services including checking and savings accounts, auto loans, mortgages, and even credit cards with rewards! Plus, you can take advantage of our ATM services anytime or use our drive-thru for quick deposits and withdrawals without leaving your car.

Member Eligibility

At Toledo Urban, we believe that everyone deserves a chance to be part of a supportive financial community. Becoming a member is straightforward and welcoming! If you live, work, worship, or attend school in our vibrant Toledo area, you're likely eligible to join us. We embrace individuals from all walks of life and strive to make banking accessible for everyone. For those interested in knowing more about the specific eligibility requirements, feel free to check out the details on our website at . Joining Toledo Urban means not only gaining access to a variety of financial services but also becoming part of a community that values your needs. Whether you're looking for checking accounts, auto loans, or credit cards with rewards, we've got you covered. To open an account, simply visit us in person at our branch located at 1441 Dorr St Toledo Oh 43607, or give us a call at (419) 255-8876 for any questions. We can't wait to welcome you into our family!

Business Banking & Commercial Services

Merchant Services

In today's fast-paced environment, having reliable merchant services can set you apart. Our offerings make it easier for you to accept payments, manage transactions, and streamline your financial operations. Picture a busy day at your store where customers can pay quickly and easily keeping lines short and satisfaction high. Visit us at 1441 Dorr St Toledo Oh 43607 in Toledo, OH to learn how we can help your business thrive with our dedicated services tailored just for you. For more information, call us at (419) 255-8876. Let's grow together!

Tailored Loan Options

Imagine having the capital to expand your operations or invest in new technology. 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

ATM & Cash Withdrawal Services

Need cash in a pinch? Our ATM services ensure that you can easily access your funds when needed. Whether it's making a withdrawal or checking your balance, we've got you covered with accessible cash withdrawal services at locations nearby.

Auto Loans & Vehicle Financing

Thinking about purchasing a new car? Our auto loans and vehicle financing solutions make it easier than ever to drive off in your dream vehicle. We offer competitive rates and flexible terms, allowing you to choose a plan that works best for your budget.

Business Banking

For our business members, we offer comprehensive business banking services including merchant services and business loans. We understand the challenges entrepreneurs face and are committed to supporting local businesses as they grow.

Credit Cards with Rewards

Enjoy the perks of shopping with our credit cards with rewards program. Earn points on every purchase, giving you more value back for what you spend. This is just one way we strive to add extra benefits to your everyday transactions.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we provide robust online and mobile banking services that allow you to manage your finances anytime, anywhere. With easy access to account information, fund transfers, and bill payments, staying on top of your finances has never been simpler.

Drive-Thru & Basic Services

For those who prefer face-to-face interactions without leaving their vehicles, our basic drive-thru banking offers deposits, withdrawals, and simple transactions conveniently. Plus, enjoy basic ATM access for quick transactions. At Toledo Urban, we are here to support all aspects of your financial journey. Our friendly staff is ready to assist you in person or over the phone at (419) 255-8876 during our operating hours: Monday-Thursday from 9:00 a.m. to 5:00 p.m., Friday from 9:00 a.m. to 6:00 p.m., and Saturday from 9:00 a.m. to 12:00 p.m. Explore how we can help you achieve your financial goals today by visiting us online at Toledo Urban Fcu or stopping by our branch!

Mortgage Solutions

Homeownership is within reach with our mortgage loans and refinancing options. Whether you're buying your first home or looking to refinance an existing mortgage, our team is here to guide you through the process every step of the way.

Personal Banking

Whether you're just starting out or looking to manage your wealth, our personal banking services offer something for everyone. Open a checking or savings account that fits your lifestyle and helps you save for the future. We understand that life can be unpredictable, so we also provide personal loans and debt consolidation options to help ease financial burdens when they arise.

Digital & Online Banking

Key Features for Your Convenience

Our online banking platform allows you to check balances, transfer funds, and pay bills with just a few clicks. Plus, if you're looking to stay organized, our e-statements are readily available to help you keep track of your finances without the clutter of paper statements. You can easily sign up for e-statements through your online account it's quick and eco-friendly! While we currently do not support mobile payments or a dedicated mobile application, our website is fully optimized for mobile use. This means you can still enjoy a smooth experience on your smartphone or tablet. Although person-to-person transfers aren't available right now, we're always working on ways to enhance your banking experience. Security is our top priority at Toledo Urban. While electronic signature authorization is not offered, we ensure that all transactions through our online banking system are protected with robust security measures, giving you peace of mind every time you log in.

Real-Time Account Management

Managing your finances should be straightforward and accessible. With our online banking services, you can take control of your money in real-time. Whether you're checking your balance before making a purchase or reviewing recent transactions, everything you need is right at your fingertips. At Toledo Urban, we're committed to providing you with user-friendly tools that fit seamlessly into your daily life. Visit us today at https://www.toledourban.net/ to explore how our digital banking services can empower you to achieve your financial goals with confidence!

Financial Strength

A Growing Member Base

Our commitment to serving our community is evident with a total of 7,583 share accounts, showcasing a strong and growing member base that trusts us with their finances. This trust fuels our mission to provide exceptional service tailored to your needs. In conclusion, our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Toledo Urban is your trusted partner. Visit us at 1441 Dorr St Toledo OH 43607 or call 419-255-8876 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.

Dedicated Team Ready to Serve

We also take pride in having 13 full-time employees and 1 part-time employee who are dedicated to ensuring that you receive the best service possible. Their commitment helps create a welcoming environment where your financial needs are prioritized.

Member-Focused Savings

Members' savings are secured through $3,660,736 in share certificates, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $486,324, 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 -$400,719. While this number might seem negative at first glance, it's important to note that it reflects strategic investments for future growth rather than inefficiency. We believe these efforts will position us even stronger moving forward.

Reinvestment for Better Services

With $1,881,105 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. This commitment to improvement reflects in our diverse lending capacity: with $12,674,126 in total loans and leases, including 287 used auto loans, we support your financial goals across various sectors.

Strong Financial Health

With a net worth of $3,071,450, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 1836 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 $3,994,077 in used vehicle loans and $1,322,112 in new vehicle loans already helping members get on the road. We also provide refinancing options for existing auto loans, allowing you to save money on your monthly payments.

Credit Lines and Unsecured Loans

For those who need flexible borrowing solutions, our total credit lines available amount to $2,350,000. Additionally, we have flexible terms on unsecured credit card loans, with a total of $84,253 in loans helping members manage their finances effectively. These options can assist you with everything from unexpected expenses to planned purchases. At Toledo Urban located at 1441 Dorr St Toledo Oh 43607, we strive to create an inclusive environment where every member has access to the financial products they need. If you want to learn more about our loan offerings or discuss eligibility options tailored for you, please call us at 419-255-8876. 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're here to help you take that next step toward achieving your financial goals!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $812,151, make buying or refinancing simple. We offer competitive rates and terms tailored to your situation. If you're interested in refinancing your current mortgage, our team is here to guide you through the process.

Loan Aggregator

Benefits of Using LendMesh

One of the standout features of LendMesh is its commitment to providing Verified Data. Loan offers come exclusively from legitimate financial institutions, ensuring that users can trust the information they see. Additionally, LendMesh does not feature Sponsored Listings; lenders are not prioritized based on paid promotions. This means you get unbiased results tailored to your needs. Another key advantage is the Real-Time Rate Comparisons available through LendMesh. Users can access up-to-date loan rates from multiple institutions, empowering them to make informed decisions quickly. 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!" If you're ready to take control of your loan options, 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.

How LendMesh Ensures 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 ). This ensures that all offers presented are fair and transparent. By relying on verified sources, LendMesh guarantees that users receive reliable information without hidden agendas.

TOLEDO URBAN FEDERAL CREDIT UNION