United Credit Union Vandalia MO | Affordable Auto Loans & Business Banking

Introduction

Welcome to United, your trusted financial partner located at 210 W Washington St, Vandalia, MO 63382. Since opening our doors in 1935, we've built a solid reputation for providing personalized banking services tailored to meet the needs of our community. With a proud membership base of over 28,138 members, we are dedicated to helping you achieve your financial goals. At United, we understand that your finances are more than just numbers; they represent dreams and aspirations. That's why we offer a comprehensive suite of services, including personal banking options like checking and savings accounts, auto loans, mortgage financing, and even business banking solutions. Our total assets stand at an impressive $268,571,399, allowing us to support you with competitive loans totaling 108,161. Our leadership team is committed to ensuring that you receive the best service possible. Under the guidance of CEO Brent Sadler and Board President Patrick Donovan, our staff comprising 95 dedicated employees is here to assist you every step of the way. We take pride in having a strong financial foundation with total deposits of $16,865,612 and a net worth of $42,144,900. While members can visit us at our Vandalia branch for all their banking needs, official correspondence should be sent to the same address for your convenience. Whether you're looking to open an account or inquire about loan options, don't hesitate to reach out by calling us at 573-594-6103 or visiting our website at unitedcu.org. Join us as we continue to strengthen our community one member at a time!

Branch History & Mission

Join Us

As we look forward to the future, we invite you to become part of the United family. Experience firsthand how we prioritize your financial well-being while contributing positively to Vandalia. Together, let's build a brighter financial future for everyone in our community. If you have any questions or need assistance, don't hesitate to call us at 573-594-6103 during our operating hours: Monday through Thursday from 8:30 AM to 5:00 PM, Friday from 9:00 AM to 6:00 PM, and Saturday from 9:00 AM to 12:00 PM (drive-thru only). Join us today and see how United can make a difference in your life!

Our Evolution

From humble beginnings, United has consistently evolved to meet the needs of our members. With total assets now exceeding $268 million, we have expanded our offerings to include a wide range of personal and business banking services. Our commitment to innovation is evident in our digital advancements, such as online banking and mobile payment options, making it easier for members to manage their finances anytime and anywhere. Our branch has always prioritized accessibility. We are proud to offer ADA-compliant facilities that ensure everyone can easily access our services. The introduction of drive-thru banking and ATM availability further reflects our dedication to convenience for all members.

Our Mission

At United, our mission is simple yet profound: we aim to provide exceptional financial services while making a positive impact in the communities we serve. We believe that when our members thrive, so do we all. That's why we focus on not just financial growth but also community support through various outreach programs and partnerships. We want every member who walks through our doors or interacts with us online to feel valued and supported. Whether you're looking for a checking account, an auto loan, or assistance with debt consolidation, we are here to help you achieve your goals. While members can visit us at 210 W Washington St, official correspondence should be sent to the same address as it serves as both our branch and mailing location.

Branch Location & Accessibility

Convenient Access

Situated in the heart of Vandalia, our branch is close to local landmarks such as the historic Vandalia Depot and the bustling downtown area. This prime location makes it easy for you to drop by whether you're running errands or enjoying a day out in the community. We also offer ample parking for your convenience, ensuring that you can visit us without any hassle. Our branch is fully accessible, featuring ADA-compliant ramps and entrances so that everyone can comfortably access our services. If you prefer to bank from your car, take advantage of our drive-thru service, which allows you to complete basic transactions quickly and easily.

Get in Touch!

Have questions or need assistance? Feel free to give us a call at 573-594-6103. Our friendly staff is always ready to help you navigate your financial journey. We invite you to visit us soon at the United Vandalia Branch where community and convenience come together!

Operating Hours & Services

We understand that flexibility is key when it comes to banking. Our lobby hours are designed with your schedule in mind: we're open from 8:30 AM to 5:00 PM Monday through Thursday, 9:00 AM to 6:00 PM on Fridays, and Saturday hours from 9:00 AM to 12:00 PM for drive-up services only. You can count on us being here when you need us! At United Vandalia Branch, we offer a variety of personal and business banking services tailored to fit your lifestyle. From checking and savings accounts to auto loans, mortgage options, and credit cards with rewards our team is ready to help you find the right solutions. Plus, with ATM availability nearby and shared service options for partner credit union members, accessing your funds has never been easier.

Member Eligibility

At United, we believe that becoming a member means joining a caring community where your financial needs are understood and valued. If you're interested in joining us, you'll be glad to know that membership is open to anyone who lives, works, worships, or attends school in our local area. It's as simple as that! We welcome individuals from all walks of life to take advantage of the benefits we offer, including competitive rates on loans and savings accounts, personalized service, and access to a wide range of financial products tailored just for you. Ready to take the next step? You can easily open your account online by visiting https://www.unitedcu.org/join-united . If you have any questions or want more information about eligibility requirements, feel free to give us a call at (573) 594-6103. For detailed information about who can join us, check out our eligibility criteria at https://www.unitedcu.org/join-united . Join us at United, located at 210 W Washington St Vandalia Mo 63382, and let's work together towards your financial success!

Business Banking & Commercial Services

Commercial Loans

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $13 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $10 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $2,820,262, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, we offer robust merchant services that simplify payment processing. Imagine running your daily operations smoothly with tools that allow you to accept payments anytime, anywhere. Our services include mobile payment solutions and online transactions, making it easier for you to serve your customers while managing your cash flow effectively. Located at 210 W Washington St Vandalia Mo 63382 in Vandalia, MO, we are dedicated to empowering local businesses like yours. Reach out today at (573) 594-6103 to discover how our business banking solutions can fuel your success!

Comprehensive List Of Services

Business Solutions That Work

For local businesses, United provides essential services like Business Banking, which includes Merchant Services and Business Loans tailored to help you grow your enterprise. We know how important it is for small businesses to have accessible funding and reliable banking options.

Convenient Digital Banking Features

In today's fast-paced world, convenience is key. That's why we emphasize our Online & Mobile Banking features. Whether you're paying bills from home or checking your account on-the-go with our mobile app, managing your finances has never been easier. You can also take advantage of ATM & Cash Withdrawal Services available at convenient locations. Our branch even offers basic drive-thru banking for quick transactions like deposits and withdrawals, ensuring that you can handle simple banking needs without stepping inside if you're short on time.

Join Us Today!

At United, we pride ourselves on being more than just a bank; we're part of your community. With accessible services like Basic Shared Branch Transactions for partner credit union members, we aim to make banking as easy as possible for everyone. If you're ready to explore all these great services or have any questions, don't hesitate to reach out! Call us at (573) 594-6103 or visit us at 210 W Washington St Vandalia Mo 63382 in Vandalia, MO. Let us support your financial journey today!

Personal Banking Made Easy

We understand that managing finances can sometimes feel overwhelming. That's why we offer Personal Banking options, including Checking & Savings Accounts designed to help you save and grow your money effortlessly. Whether you're saving for a big purchase or planning for future expenses, our accounts come with features that suit various lifestyles. If you're considering buying a new car or refinancing your existing vehicle, our Auto Loans & Vehicle Financing solutions are here to help. We offer competitive rates and flexible terms to ensure you get the best deal possible. With our streamlined application process, you'll be on the road in no time! For those looking to purchase a home, our Mortgage Loans & Refinancing services provide the guidance and support you need. Our experienced team will walk you through every step, ensuring that securing your dream home is as smooth as possible.

Support for Your Financial Goals

We also cater to personal financing needs through our Personal Loans & Debt Consolidation services. Life can throw unexpected expenses your way, and we're here to help you manage them effectively. Our loans can assist with everything from emergency repairs to consolidating debt into one manageable payment. And don't forget about the benefits of having a Credit Card with Rewards! Enjoy perks while making everyday purchases. Our credit cards offer rewards that can enhance your shopping experience and give you more value for your money.

Digital & Online Banking

Key Features of Our Digital Banking Services

With our robust online banking platform, accessible at https://www.unitedcu.org/ , you can check your account balances, transfer funds, and pay bills anytime, day or night. Imagine having access to your accounts 24/7 from the comfort of your couch or while waiting in line it's that simple! Our mobile application makes it even easier. You can perform transactions right from your smartphone, making banking as portable as your daily routine. Plus, if you enjoy using mobile payments, you'll be happy to know we support this feature so you can make quick purchases without fumbling for cash or cards.

Security and Ease of Use

Your security is important to us. That's why we offer features designed with your safety in mind. While we currently do not provide electronic signature authorization, rest assured that our systems are built to protect your personal information. We also understand the value of going paperless. That's why e-statements are available for those who prefer them saving trees and keeping your records organized! Additionally, our person-to-person transfer feature allows you to send money to friends and family quickly and easily. In short, digital banking at United is all about giving you control over your finances in a secure and user-friendly way. So whether you're checking balances during lunch or transferring money while commuting, we're here to help make it easy for you!

Financial Strength

Operational Efficiency

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. We also take pride in having 87 full-time employees and 8 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team.

Reinvestment for Member Benefits

With $41,089,650 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 $64,670 in used auto loans and a total of $194,702,303 in loans and leases.

Secure Savings Options

Your savings are secure with us. Members' savings are backed by $24,899,417 in share certificates and $14,666,424 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.

Strong Financial Health

With a net worth of $42,144,900, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 1563 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Trusted Partnership

Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, United is your trusted partner. Visit us at 210 W Washington St Vandalia Mo 63382 or call 573-594-6103 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 $74,197,574 in used vehicle loans and $27,991,353 in new vehicle loans already helping members get on the road. We provide financing solutions that are straightforward and designed to fit your budget. Our team is here to guide you through the process, ensuring that you find the best option for your situation.

Business Financing

For business owners, our outstanding commercial loans totaling $2,820,262 provide the capital needed to grow and expand your business operations. We understand that every business has unique needs, which is why we work closely with you to develop a financing plan that supports your goals.

Credit Lines

Our total credit lines amount to $31,631,693, giving you the flexibility to access funds as needed without going through the loan application process each time. This is perfect for those who want quick access to cash for unexpected expenses or planned projects. For more information about our loan offerings or to discuss refinancing options, feel free to contact us at (573) 594-6103 or visit us at our branch located at 210 W Washington St Vandalia Mo 63382 in Vandalia, MO. 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 toward achieving your financial dreams!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. Currently, we offer Junior Lien 1-4 Family Residential Properties loans totaling $0. Whether you're a first-time buyer or looking to refinance an existing mortgage, our experienced staff can help you navigate the various options available.

Unsecured Credit Card Loans

Managing day-to-day expenses can sometimes be tricky. We also offer flexible terms on unsecured credit card loans, with a total of $8,289,561 in loans helping members manage their finances effectively. These cards come with no collateral requirement and can help you build your credit while enjoying rewards on your purchases.

Loan Aggregator

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UNITED CREDIT UNION - Vandalia, MO