Transcend Credit Union Lexington KY | Affordable Auto Loans & Business Banking

Introduction

Welcome to Transcend, your trusted financial partner located at 2549 Regency Rd Ste 105, Lexington, KY 40503. Since our establishment in 1934, we have been committed to serving our vibrant community with a variety of personal and business banking solutions. With a total membership of over 48,000 individuals, we pride ourselves on being more than just a credit union; we are a community-driven institution focused on helping our members thrive financially. At Transcend, we understand that each member has unique needs. That's why we offer a wide range of services, including checking and savings accounts, auto loans, mortgage loans, and credit cards with rewards. Our total assets have grown to an impressive $527,756,779, reflecting our stability and dedication to secure banking for all our members. With $41,429,351 in total deposits and a net worth of $67,298,979, you can trust that your finances are in safe hands. Our team is led by CEO Richard Reese and Board President Mark Booker, both of whom are deeply invested in the well-being of our members. Together with a dedicated staff of 69 employees, we aim to provide exceptional service tailored to your financial journey. While members can visit us at our Lexington branch for all their banking needs, official correspondence should be sent to the same address: 2549 Regency Rd Ste 105, Lexington, KY 40503. Have questions or need assistance? Feel free to call us at 502-459-3000 during our lobby hours: Monday through Thursday from 8:30 AM to 4 PM and Friday from 8:30 AM to 6 PM. Join us at Transcend today and discover how we can help you reach your financial goals! For more information about our services or to open an account online, visit us at Transcend's Website. We look forward to welcoming you into the Transcend family!

Branch History & Mission

Welcome to Transcend, a credit union with a rich history and a commitment to serving the community of Lexington, KY. Established in 1934, our branch has evolved significantly over the decades, growing alongside the needs of our members. With our main office located at 2549 Regency Rd Ste 105, we're proud to be a part of this vibrant city. Transcend was founded on the principle of providing accessible financial services to individuals and families. Over the years, we have expanded our offerings to include personal banking options like checking and savings accounts, auto loans, mortgage loans, and even business banking solutions. Our total assets now stand at an impressive $527,756,779, reflecting our growth and stability within the community. Today, we proudly serve 48,109 members, each benefiting from our dedication to exceptional service and community support. At Transcend, we believe that everyone deserves financial stability and opportunities for success. This belief drives our mission: to empower our members through personalized financial solutions while giving back to the communities we serve. Our operating hours are designed with your convenience in mind Monday through Thursday from 8:30 AM to 4:00 PM and Friday until 6:00 PM. We also provide ATM services and drive-thru banking for quick transactions. If you need assistance or wish to learn more about membership benefits, don't hesitate to call us at 502-459-3000. Transcend is not just about banking; it's about building relationships. We engage in various community outreach initiatives that strengthen ties with local organizations and support those in need. Our partnerships reflect our commitment to making Lexington a better place for all its residents. As we look toward the future, Transcend remains focused on embracing technology while ensuring accessibility for everyone. Our digital tools including online banking and mobile payments make managing finances easier than ever before. We invite you to join Transcend today! Experience first-hand how we can help you achieve your financial goals while being part of a caring community-focused organization. For more information or to open an account, visit us online at Transcend or come see us at our branch!

Branch Location & Accessibility

A Friendly Call to Action

We invite you to come experience the welcoming atmosphere at the Transcend Lexington Branch. Whether you're looking for a new checking account or need assistance with loans and financing options, our dedicated team is here to help. Don't hesitate to reach out at 502-459-3000 if you have any questions or would like more information. We look forward to serving you!

Convenient Access and Features

At Transcend, we prioritize your convenience. Our location features ample parking and is designed with accessibility in mind, ensuring everyone can easily visit us. Whether you're coming in for personal banking services or just stopping by to use our drive-thru, we've got you covered. Our drive-thru service allows for quick transactions without leaving your vehicle, perfect for busy days. For those who prefer cash withdrawals or balance checks, you'll find our ATM available on-site to meet your needs anytime.

Operating Hours That Fit Your Schedule

We understand that life can get hectic, which is why we offer flexible operating hours to serve you better. You can visit us Monday through Thursday from 8:30 AM to 4 PM, and on Fridays until 6 PM. This schedule makes it easier for you to find a time that works best for your busy lifestyle.

Member Eligibility

At Transcend, we believe that joining our community is more than just opening an account it's about being part of a supportive family. If you're looking to become a member, you'll be happy to know that eligibility is open to individuals who live, work, or worship in our local area. Whether you're a student starting your financial journey or a seasoned professional, we welcome you with open arms! For more detailed information on the specific criteria, feel free to visit our website at . Getting started is easy! You can open your account online by visiting https://my.transcendcu.com/enroll, or if you prefer a personal touch, give us a call at (502) 459-3000. Our friendly staff at 2549 Regency Rd Ste 105 Lexington Ky 40503 is here to help you every step of the way. Experience the benefits of membership at Transcend, where your financial well-being is our top priority!

Business Banking & Commercial Services

Commercial Loans for Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. While we currently have $0 in member commercial loans and $0 in non-member commercial loans, we're eager to provide flexible financing solutions as your business needs evolve. Imagine needing funds to purchase new equipment or expand your team. With a reliable financial partner by your side, you can focus on what truly matters: running your business. Our loan options are designed to help you take those crucial steps forward.

Merchant Services That Work for You

In addition to lending, we also offer merchant services that streamline how you accept payments. Whether you're a local café or an online retailer, our easy-to-use payment solutions allow you to serve your customers efficiently while managing transactions seamlessly. Think about the time you'll save and the satisfaction of providing a smooth checkout experience for your clients. Located at 2549 Regency Rd Ste 105 Lexington Ky 40503 in Lexington, KY, our dedicated team is here to help you navigate your financial needs. Give us a call at (502) 459-3000 to learn more about how we can assist your business!

Comprehensive List Of Services

Convenient Access Anytime

Understanding the importance of convenience in today's fast-paced world, Transcend provides robust Online & Mobile Banking features. You can check balances, transfer money between accounts, and even send money through person-to-person payments all from the comfort of your home or on the go. Need cash? Our ATM & Cash Withdrawal Services ensure that accessing your funds is quick and simple. Plus, with our Basic Drive-Thru Banking option, conducting deposits and withdrawals has never been easier.

Personal Banking Solutions

For those seeking personal banking options, we offer various Checking & Savings Accounts designed to help you manage your finances easily. Imagine having the ability to set up automatic transfers from checking to savings or access your funds whenever needed through our convenient online and mobile banking platforms. When it comes to vehicle financing, our Auto Loans & Vehicle Financing make purchasing that dream car more attainable than ever. With competitive rates and flexible terms, you can drive off with confidence. Additionally, if you're considering homeownership or refinancing your existing mortgage, our Mortgage Loans & Refinancing options provide personalized support throughout the process.

Reach Out Today!

At Transcend in Lexington, KY, we're more than just a credit union; we're your partners in achieving financial well-being. If you're ready to explore how we can assist you further or have any questions about our services, don't hesitate to reach out at 502-459-3000. Join us today and discover all the ways we can help you succeed financially!

Support for Your Financial Journey

Life can be unpredictable, which is why we also offer Personal Loans & Debt Consolidation services. These loans can help you manage unexpected expenses or consolidate debt into one manageable payment. And for those who prefer using credit wisely, our Credit Cards with Rewards allow you to earn while you spend. If you're an entrepreneur or small business owner, our Business Banking services are designed with you in mind. From Merchant Services that make transactions easier for your customers to tailored Business Loans, we help support your business's growth and success.

Digital & Online Banking

Key Features for Your Convenience

With our user-friendly mobile application, you can check your account balances, transfer money, and pay bills all from the palm of your hand. Need to send money to a friend? Our person-to-person transfer service makes it simple and quick. Plus, with mobile payments, you can make purchases directly from your smartphone without any hassle. We also prioritize your security. With electronic signature authorization available, you can sign documents digitally, saving time while keeping your information safe. Additionally, e-statements are accessible anytime you need them, allowing you to manage your accounts without the clutter of paper statements.

Real-Time Account Management

Our online banking services provide real-time access to your account details. This means you can monitor transactions, view statements, and manage funds whenever it's convenient for you. You'll never have to wait until bank hours to check on your accounts again. Whether you're at work or relaxing at home, our digital services ensure that managing your money is just a click away. For more information on how you can benefit from our digital banking options or to get started today, visit us at https://www.transcendcu.com/ or give us a call at (502) 459-3000. Experience the ease of banking with Transcend!

Financial Strength

At Transcend, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are committed to providing you with reliable financial services that you can trust. With a net worth of $67,298,979, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,275 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $155,452,544 in share certificates and $26,160,022 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. With $63,267,962 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 with $6,011 in used auto loans and $377,793,178 in total loans and leases. Our operational efficiency is reflected in our $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 65 full-time employees and 4 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Net Shares (Funds available for lending and investments): $1,030,310. Total Share and Deposit Accounts: 69,766, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Transcend is your trusted partner. Visit us at 2549 Regency Rd Ste 105 Lexington Ky 40503 or call (502) 459-3000 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.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $136,494,640 in used vehicle loans and $116,304,772 in new vehicle loans already helping members get on the road. Whether you're eyeing a brand-new model or a reliable used car, we provide financing options that suit various budgets.

Credit Lines and Unsecured Credit Cards

Managing unexpected expenses? We also offer flexible terms on unsecured credit card loans, with a total of $12,258,657 in loans helping members manage their finances effectively. Additionally, our total credit lines reach $137,658,180, providing ample resources for those who need them.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $14,324,273, making buying or refinancing simple. We strive to support you through each step of the process, ensuring you feel confident in your investment.

Refinancing Options

If you're considering refinancing existing loans or exploring eligibility options for any of our products, don't hesitate to reach out. Our team is ready to assist you in finding solutions tailored to your situation. For more information or personalized assistance regarding our loan offerings at Transcend in Lexington, feel free to call us at 502-459-3000. 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's work together to secure the funding you need!

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