United Community Credit Union Quincy IL | Affordable Auto Loans & Top Checking

Introduction

Welcome to United Community Credit Union, your trusted financial partner located at 1001 Vermont St, Quincy, IL 62301. Since our establishment in 1941, we have been dedicated to serving our community and providing personalized financial solutions tailored to meet the needs of our members. With a strong commitment to our membership of over 10,232 individuals, we take pride in being more than just a credit union; we are a community-focused institution that understands the importance of building lasting relationships. At United Community, we are proud to manage total assets of $118,416,734, ensuring that your money is not only safe but also working hard for you. Our members benefit from a range of services including personal banking, auto loans, mortgages, and business banking solutions. With total deposits amounting to $1,592,561 and a net worth of $18,282,661, we demonstrate financial strength and stability that you can rely on. Our leadership team is here to guide you every step of the way. Led by CEO Sarah Distin and Board President Andrew Doellman, we strive to create an environment where your financial aspirations can flourish. With a dedicated staff of 39 employees, we ensure that each member receives the attention they deserve. While you can visit us at our branch for all your banking needs, if official correspondence is necessary, please send it to our mailing address: 1001 Vermont St, Quincy, IL 62301. Feel free to reach out via phone at (217) 224-1093 or fax at (217) 224-0802 for any inquiries. Join us today and experience the difference with United Community Credit Union! We invite you to explore our offerings by visiting our website at myuccu.com. Let's build a brighter financial future together!

Branch History & Mission

Our Mission

The mission of United Community is clear: we aim to empower our members by providing exceptional financial services tailored to their unique needs. We believe in putting people first offering not just banking products but also educational resources and community support. Whether it's through online banking or face-to-face interactions at our drive-thru service, we strive to make every experience positive and impactful. Our commitment goes beyond banking; it encompasses the entire community. We regularly partner with local organizations and participate in outreach initiatives that foster growth and development within Quincy. Our team is passionate about making a difference, whether it's through financial literacy programs or supporting local events. While members can visit us at 1001 Vermont St for all their banking needs, official correspondence should be sent to the same address. We are proud to offer modern conveniences such as ATM availability and drive-thru banking services for added accessibility. In this ever-evolving digital landscape, United Community remains dedicated to providing user-friendly online banking options that cater to your lifestyle while ensuring ADA compliance for all members. We recognize that each member's journey is unique, which is why we offer personalized service across all channels whether you're connecting with us online or visiting us in person. We invite you to join United Community today! Experience firsthand how we can help you achieve your financial goals while making a positive impact in Quincy. Together, let's build a brighter future for our community! For any inquiries or assistance, feel free to reach out at 217-224-1093.

Branch Location & Accessibility

Contact Us

If you have any questions or would like more information about our services, feel free to call us at 217-224-1093. We invite you to stop by our branch at 1001 Vermont St in Quincy or visit us online at ucua.org for more details. We're excited to assist you with all your banking needs!

Convenient Access and Parking

At United Community, we prioritize accessibility for all members. Our branch features ADA-compliant entrances and ramps, ensuring that everyone can visit us comfortably. Plus, parking is readily available, so you can easily hop in and out without any hassle.

Operating Hours

We understand that life can get busy, which is why we offer flexible operating hours designed to fit your schedule. Visit our lobby from Monday to Friday between 9 AM and 5 PM and on Saturday from 9 AM to 12 PM. If you prefer using our drive-thru service, we're open Monday through Friday from 7 AM to 5:30 PM and Saturday from 8 AM to 12 PM.

Services Offered

United Community Credit Union offers a wide range of services tailored to meet your financial goals. From personal checking and savings accounts to auto loans and mortgage refinancing, we've got you covered! Need a quick cash withdrawal? Our ATM is available for your convenience, ensuring that you have access to your funds whenever you need them.

Member Eligibility

Becoming a member of United Community is like joining a family that truly cares about your financial well-being. To be eligible, you just need to live, work, worship, or attend school in the Quincy area, which makes it easy for locals to access our services. Plus, if you have a family member who's already a member, you're in! This welcoming approach means we can support you through life's ups and downs with personalized banking options tailored to your needs. For more details on eligibility criteria, feel free to check out this resource. Opening an account is straightforward and designed to fit into your busy life. Just stop by our branch located at 1001 Vermont St Quincy Il 62301, or give us a call at (217) 224-1093. Our friendly staff will guide you through the process and answer any questions you may have. Join us at United Community and experience the benefits of being part of a community-focused credit union!

Business Banking & Commercial Services

Commercial 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.

Merchant Services

When it comes to payment processing, our merchant services offer practical solutions that can simplify transactions and improve customer experiences. Picture this: Your customers enjoy smooth checkout experiences while you receive funds quickly and securely. This helps you focus on what you do best running your business. Located at 1001 Vermont St, Quincy, IL 62301, we invite local entrepreneurs to explore how United Community can support their financial needs. For more information, reach out at 217-224-1093 or visit us online at ucua.org. Let's build your business together!

Comprehensive List Of Services

Business Banking

If you're a business owner, we haven't left you out! Our Business Banking services include merchant services to help streamline your transactions and Business Loans designed to support your growth and operational needs.

Convenient Access

For those times when you prefer face-to-face interaction, our branch offers basic drive-thru banking where you can easily conduct deposits, withdrawals, and other simple transactions without leaving your car. Plus, we have ATM availability for quick cash withdrawals and balance checks whenever you need them. We invite you to experience all that United Community has to offer by visiting us at 1001 Vermont St Quincy Il 62301, calling us at (217) 224-1093, or exploring more about our services online at our website. Your financial journey starts here let us help guide the way!

Credit Options

Sometimes life throws unexpected expenses your way. Our Personal Loans & Debt Consolidation services can help you regain control of your finances. With flexible terms and competitive rates, we make borrowing simple and manageable. Don't forget about our Credit Cards with Rewards, which offer great benefits for everyday purchases. You can earn rewards while managing your spending effectively.

Digital Services

In today's fast-paced world, having access to your finances anytime is crucial. That's why we provide robust Online & Mobile Banking platforms. With these tools, you can manage your accounts, pay bills, transfer funds, and even send money to friends or family using our person-to-person service all from the comfort of your home or on-the-go.

Personal Banking

We offer various Personal Banking options, including checking and savings accounts that fit any lifestyle. If you're dreaming of hitting the road in a new vehicle, our Auto Loans & Vehicle Financing can help make that dream a reality. We guide you through the process so that securing financing is straightforward and stress-free. For those considering homeownership or refinancing their current mortgage, our Mortgage Loans & Refinancing services are ready to assist you every step of the way. Our team is here to ensure that you find the best terms possible to suit your budget.

Digital & Online Banking

At United Community, we understand that convenience and security go hand in hand when it comes to managing your finances. Our digital and online banking services are designed to provide you with easy access to your accounts anytime, anywhere, so you can focus on what matters most in your life. With our robust online banking platform, available at https://ucua.org/, you can effortlessly check balances, pay bills, and transfer funds all from the comfort of your home or on the go. Our 24/7 online banking services ensure that you have control over your finances at any hour of the day or night. Plus, our electronic signature authorization feature allows you to complete important transactions securely without ever needing to visit a branch. For those who prefer going paperless, we offer e-statements that make it simple to keep track of your account activity while reducing clutter. You can easily access and manage your statements digitally, saving both time and trees! If you're always on the move, you'll appreciate our mobile application. It gives you the flexibility to manage your accounts right from your smartphone. Whether it's checking your balance or making person-to-person transfers, everything is just a few taps away. And for quick payments, we're excited to share that you can use our person-to-person transfer feature perfect for splitting bills or sending money to family and friends. While mobile payments are not currently available, we continually strive to enhance our offerings based on member feedback. Your experience matters to us, and we're here to support all your banking needs. In summary, United Community combines modern technology with user-friendly features to help you take charge of your financial future. With secure access and real-time management tools, banking has never been easier!

Financial Strength

Growing Together

Total Share Accounts stand at 18,882, showcasing a strong and growing member base that trusts us with their finances. Our net shares available for lending and investments total $0, further illustrating our commitment to fostering growth within the community. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, United Community is your trusted partner. Visit us at 1001 Vermont St Quincy Il 62301 or call (217) 224-1093 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

Members' savings are secured through $12,428,143 in share certificates, 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.

Operational Efficiency

Our $319,162 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 32 full-time employees and 7 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvesting for Growth

Our commitment to our members is reflected in our strong earnings. With $17,452,601 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve you better. We understand the importance of lending support for your financial goals. With $51,197 in used auto loans and $89,647,691 in total loans and leases, our lending capacity supports various sectors to help fulfill your dreams.

Solid Financial Health

With a net worth of $18,282,661, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 15.44% 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 $37,123,378 in used vehicle loans and $8,550,120 in new vehicle loans already helping members get on the road. We provide flexible financing options for both new and used vehicles so you can choose what suits your needs best.

Credit Lines

If you need additional flexibility in managing your finances, consider our credit lines totaling $3,500,000. This product allows you to borrow as needed while only paying interest on what you use. At United Community located at 1001 Vermont St, Quincy IL 62301, we pride ourselves on making lending accessible and straightforward. If you're interested in refinancing or want to learn more about eligibility options for our products, don't hesitate to reach out. You can call us at 217-224-1093 to discuss your financial needs further. 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 find the right loan solution today!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $2,005,584, make buying or refinancing simple. We're here to guide you through the process with competitive rates and personalized service.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $1,509,570 in loans helping members manage their finances effectively. This option is perfect for those looking to consolidate existing debt or finance unexpected expenses without putting up collateral.

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UNITED COMMUNITY CREDIT UNION - Quincy, IL

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