U S #1364 Valparaiso IN Credit Union | Low Mortgage Rates & Auto Loans

Introduction

Welcome to U S #1364, your trusted financial partner located at 405 Porters Vale Blvd, Valparaiso, IN 46383. Since our establishment in 1936, we have been dedicated to serving our community with personalized banking solutions and a commitment to member satisfaction. With a total membership of 12,848, we pride ourselves on being more than just a credit union; we're a part of your everyday financial journey. At U S #1364, our focus is on building lasting relationships with our members. Our assets total an impressive $206,191,433, and we maintain a strong net worth of $26,401,210, ensuring your deposits are secure and your financial future is bright. We offer a variety of services tailored to meet your needs, including checking and savings accounts, auto loans, mortgages, personal loans, and business banking solutions. With total deposits amounting to $9,006,046, you can trust that your money is in good hands. Led by our CEO Michelle Wilson and Board President Robert Sarich, our team of 40 dedicated employees is here to assist you. Whether you're looking for guidance on loans having issued a total of 3,834 loans and leases or want to explore investment opportunities through our online banking platform at usfederalcu.org, we are ready to support you every step of the way. While members can visit us at 405 Porters Vale Blvd, official correspondence should be sent to the same address. If you have any questions or need assistance, feel free to call us at (219) 576-6768 during our operating hours: Monday to Friday from 10 AM to 7 PM and Saturday from 10 AM to 2 PM. Join us today at U S #1364 where your financial well-being is our priority!

Branch History & Mission

Our Journey

From our humble beginnings in the mid-20th century, U S #1364 has evolved into a trusted financial partner for families and businesses alike. Initially founded to provide accessible financial services to our members, we have embraced innovation while maintaining our commitment to personal service. We are proud to offer a range of products including checking and savings accounts, auto loans, mortgages, and business banking solutions. Our dedication to the community extends beyond mere financial transactions. We actively participate in local outreach efforts and partnerships that promote economic growth and support those in need. Whether it's sponsoring local events or providing financial education workshops, we strive to make a positive impact on Valparaiso and its residents.

Our Mission

At U S #1364, our mission is straightforward: we aim to empower our members through exceptional financial services while fostering a sense of community. We believe that when our members succeed financially, our community thrives as well. Our focus is on providing personalized solutions that meet the unique needs of each member because your success is our priority. We understand that convenience matters in today's fast-paced world. That's why we offer online and mobile banking options along with ATM access for easy cash withdrawals. While we do not have drive-thru banking facilities or shared service centers at this location, we ensure that you can reach us easily during our operating hours from Monday to Friday between 10 AM and 7 PM and Saturday from 10 AM to 2 PM. While members can visit us at 405 Porters Vale Blvd for all their banking needs, official correspondence should be sent to the same mailing address: 405 Porters Vale Blvd, Valparaiso, IN 46383. As we look ahead, we invite you to join us on this journey. Experience firsthand the benefits of being part of U S #1364 where your financial goals become our mission. Visit us or call us at (219) 576-6768 today!

Branch Location & Accessibility

Convenient Access and Features

At our Valparaiso location, we prioritize accessibility for all our members. Our branch is designed to be easily navigable, featuring ADA-compliant ramps and spacious parking options right outside our doors. You can rest assured knowing that we're committed to providing a welcoming environment for everyone. While members can visit us at 405 Porters Vale Blvd, official correspondence should be sent to the same address. If you have any questions or need assistance during your visit, don't hesitate to reach out to us at (219) 576-6768.

Operating Hours

We understand that life can get busy, which is why we offer flexible operating hours. Our lobby is open Monday through Friday from 10 AM to 7 PM and on Saturday from 10 AM to 2 PM. This schedule allows you to come in when it's most convenient for you, whether you're managing personal finances or exploring loan options.

Services Available

At U S #1364, we provide a wide range of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. Our ATM services allow for quick withdrawals and balance checks, ensuring that you can access your funds whenever necessary. While we currently do not offer drive-thru banking or shared service center options at this location, our dedicated team is always ready to help you inside the branch.

Visit Us Today!

We invite you to stop by and discover how U S Federal Credit Union can help simplify your banking experience. Whether you're looking for financial guidance or need assistance with a specific service, our friendly staff is eager to help. Don't hesitate come see us soon!

Member Eligibility

At U S #1364, we believe that everyone deserves access to a supportive financial community. Becoming a member is an easy and welcoming process. If you live, work, or worship in the Valparaiso area or have family members who are already part of our credit union, you're likely eligible to join us! We embrace individuals from all walks of life and offer a range of services tailored to meet your needs. Membership not only grants you access to competitive rates on loans and savings but also connects you with a network of resources designed to help you thrive financially. Ready to take the next step? Opening an account at U S #1364 is straightforward. You can find all the details about eligibility and how to become a member by visiting our website at http://WWW.USFEDERALCU.ORG/membership/about-u-s-federal-credit-union/locations . For any questions, feel free to reach out to us at (219) 576-6768. We're here to help you every step of the way!

Business Banking & Commercial Services

Merchant Services for Everyday Needs

Imagine running a busy café and needing a reliable payment processing system. Our merchant services simplify transactions, allowing you to focus on serving customers rather than worrying about payments. With secure and efficient solutions tailored to your needs, you can enhance customer satisfaction while streamlining your operations. With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses in our community. When you partner with us at U S #1364, you're not just securing funding; you're investing in a brighter future for your business. For more information or to get started, visit us at 405 Porters Vale Blvd Valparaiso In 46383 or call us at (219) 576-6768. Let's build something great together!

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. Additionally, we provide flexible financing solutions with $0 in non-member commercial loans, ensuring that all local entrepreneurs have access to the resources they need.

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need quick access to cash? We provide ATM services where you can easily withdraw funds or check balances without hassle. You'll find it convenient whether you're out running errands or planning for a big purchase. At U S #1364, we strive to make banking straightforward and accessible for everyone. If you're interested in any of these services or have questions about how we can assist you further, please don't hesitate to reach out! Call us at (219) 576-6768 or visit us at Meijer Branch today! We look forward to serving you!

Auto Loans & Vehicle Financing

Thinking about buying a new car? Our auto loans and vehicle financing options make it simple and affordable. We offer competitive rates tailored to fit your budget, so you can drive away in the vehicle of your dreams without breaking the bank.

Business Banking

Running a business comes with its challenges. That's why we offer specialized business banking services, including merchant services and business loans. Whether you're just starting or looking to expand, we are here to support your growth and success.

Credit Cards with Rewards

For those who love earning rewards on their purchases, our credit cards come with fantastic benefits. From cashback offers to travel rewards, using our credit card means getting more from your everyday spending.

Mortgage Loans & Refinancing

If you're ready to buy a home or refinance your current mortgage, we provide comprehensive mortgage loans that suit various budgets and lifestyles. Our team will guide you through the process, ensuring you feel confident every step of the way.

Online & Mobile Banking

In today's fast-paced world, convenience is key. Our online and mobile banking features allow you to manage your finances anytime, anywhere. With secure access to your accounts, mobile payments, and person-to-person transfers, staying on top of your finances has never been easier.

Personal Banking

Whether you're looking to open a checking or savings account, our personal banking services have got you covered. Imagine having easy access to your money whenever you need it, with the ability to manage your accounts online or through our mobile app. You can check balances, transfer funds, and pay bills all at your fingertips.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way. Our personal loans offer a flexible solution for those moments when you need extra cash. Plus, if you're juggling multiple debts, consider our debt consolidation options to simplify your payments into one manageable monthly bill.

Digital & Online Banking

Key Services

Our online banking platform lets you access your accounts with just a few clicks. Whether you're checking your balance, paying bills, or transferring funds, everything is user-friendly and straightforward. Plus, with e-statements available, you can view your account statements electronically, making it easy to stay organized and informed without the clutter of paper. Want to send money to a friend or family member? Our person-to-person transfer feature makes it quick and simple. Just enter the recipient's information, and your money is on its way. For those on the go, our mobile application provides all the tools you need right in your pocket, including mobile payments for convenient transactions.

Security and Accessibility

Security is a top priority for us. While we currently do not offer electronic signature authorization, rest assured that our systems are designed to keep your personal information safe. You can manage your accounts securely while enjoying peace of mind. Whether you're using our website or mobile app, you'll find that every feature is crafted with ease-of-use in mind. From checking balances to making payments, everything is designed for real-time account management that fits seamlessly into your daily life. In summary, with U S #1364, you'll enjoy a robust suite of digital banking services that prioritize convenience and security. Join us today and experience banking made simple!

Financial Strength

Commitment to Growth

With $25,661,715 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 robust with $2,103 in used auto loans and $92,358,339 in total loans and leases, supporting our members' financial goals across various sectors.

Operational Efficiency

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 31 full-time employees and 9 part-time employees who are always ready to serve you with a knowledgeable and committed team.

Secure Savings Options

Members' savings are secured through $61,086,610 in share certificates and $23,037,789 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.

Solid Financial Health

With a net worth of $26,401,210, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,279 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

We have a strong member base with 23,018, showing that our community trusts us with their finances. Furthermore, Net Shares (Funds available for lending and investments) stand at $3,250, further emphasizing our readiness to assist you. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, U S #1364 is your trusted partner. Visit us at 405 Porters Vale Blvd Valparaiso In 46383 or call (219) 576-6768 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 $33,689,210 in used vehicle loans and $7,123,964 in new vehicle loans already helping members get on the road. We provide flexible terms that fit your budget, making it easier than ever to drive away in a car you love.

Credit Lines

If you're looking for flexibility in managing your finances, consider our credit lines totaling $12,103,953. These lines allow you to borrow as needed while only paying interest on what you use. It's an excellent option for those who want more control over their spending. At U S #1364, we pride ourselves on offering competitive rates and personalized service. If you're interested in refinancing or want to know more about eligibility options, don't hesitate to ask our team during your visit or call us directly. For performance insights and financial data regarding our offerings, please visit the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. We look forward to helping you navigate your financial future!

Mortgage Options

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $6,535,434, make buying or refinancing simple. We guide you through every step of the process, ensuring you understand your choices and find the best loan for your situation.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $0 in loans helping members manage their finances effectively. This product allows you to have immediate access to funds without needing collateral, giving you peace of mind when unexpected expenses arise.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. With a focus on transparency and reliability, LendMesh serves as a trusted resource for borrowers seeking to make informed financial decisions. LendMesh ensures accurate loan comparisons through a robust sourcing system. 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 commitment to accuracy allows users to trust the information they receive. One of the key benefits of using LendMesh is its emphasis on Verified Data. All loan offers are sourced from legitimate financial institutions, which fosters transparency in the lending process. Additionally, LendMesh features No Sponsored Listings, meaning lenders are not prioritized based on paid promotions this reinforces the platform's goal of providing unbiased results for all users. Furthermore, with Real-Time Rate Comparisons, users can access up-to-date loan rates from multiple institutions, allowing them to make well-informed choices. Thousands of users trust LendMesh for loan comparisons. One member shared their experience: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This testimonial highlights how effective LendMesh can be in helping borrowers secure favorable loan terms. For anyone looking to explore their borrowing 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.

U S #1364 FEDERAL CREDIT UNION