United Community Credit Union Quincy IL | Affordable Auto Loans & Mortgage Rates

Introduction

Welcome to United Community, your trusted financial partner located at 1001 Vermont St, Quincy, IL 62301. Established in 1941, we have been proudly serving our community for over 80 years. With a strong commitment to our members, we strive to provide a range of financial services tailored to meet your needs. At United Community, our focus is on building lasting relationships. With a total membership of 10,232 and assets exceeding $118 million, our credit union stands as a pillar of support for individuals and families alike. We offer everything from checking and savings accounts to personal loans and business banking services. Our total deposits amount to an impressive $1,592,561, reflecting the trust our members place in us. Our dedicated team of 39 employees, led by CEO Sarah Distin and Board President Andrew Doellman, is here to assist you every step of the way. Whether you visit us in person or utilize our online services, we prioritize your convenience and satisfaction. While members can visit us at 1001 Vermont St, official correspondence should be sent to the same address. If you're looking for a reliable financial institution that puts its members first, look no further than United Community Credit Union. Feel free to give us a call at (217) 224-1093 or explore more about our offerings at our website. We invite you to join us today and experience the difference of community-focused banking!

Branch History & Mission

A Rich Legacy

Located at 1001 Vermont St, Quincy, IL 62301, United Community has seen remarkable milestones over the decades. From our humble beginnings with just a handful of members, we have grown to serve over 10,232 individuals today. Our commitment to member satisfaction and community involvement has helped us amass total assets of approximately $118,416,734. This growth is not just about numbers; it's about the lives we've touched and the dreams we've helped realize. Our branch operates with convenience in mind. We proudly offer ATM services and drive-thru banking for those busy days when you need quick access to your funds. Whether you're stopping by during our lobby hours from Monday to Friday or visiting us on Saturday mornings for drive-thru service, we are here to make your banking experience smooth and accessible.

Join Us

As we continue this journey together, we invite you to become part of our family at United Community. Experience the benefits of being a member-driven credit union that prioritizes your needs while investing in the community's future. Reach out today at (217) 224-1093 or explore more about what we offer at our website. Together, let's build a brighter financial future!

Our Mission

At United Community, our mission goes beyond traditional banking services. We aim to empower individuals and families through personal banking options like checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and much more. Our goal is simple: to provide financial solutions that meet the diverse needs of our members while fostering a sense of community. We believe that everyone deserves access to financial education and resources. That's why we actively engage in outreach programs within Quincy and its surrounding areas. By partnering with local organizations, we work towards making a positive impact on those who need it most. While members can visit us at 1001 Vermont St Quincy Il 62301, official correspondence should be sent to 1001 Vermont St, Quincy, IL 62301 if it differs from our branch location.

Branch Location & Accessibility

Accessibility Features

At United Community, we prioritize accessibility for all our members. Our branch is ADA compliant and features ramps and designated parking spots for those who need them. You'll find ample parking available right outside, allowing for a hassle-free visit.

Get in Touch

We're excited to serve you! If you have any questions or need assistance, don't hesitate to give us a call at 217-224-1093. We invite you to stop by soon your financial journey starts here at United Community!

Operating Hours

We understand that life gets busy! That's why our lobby is open Monday through Friday from 9 AM to 5 PM and Saturday from 9 AM to 12 PM. If you're looking for more flexibility, our drive-thru service operates Monday through Friday from 7 AM to 5:30 PM and on Saturday from 8 AM to 12 PM. With these convenient hours, we're here when you need us!

Services Offered

United Community offers a variety of services tailored to meet your banking needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. Need cash? Enjoy easy access with our ATM availability right at the branch. Plus, take advantage of our drive-thru banking for quick deposits and withdrawals without leaving your car.

Member Eligibility

At United Community, we believe in creating a welcoming community where everyone can thrive. Becoming a member is easy and open to anyone who lives, works, or worships in our service area. If you're looking for a supportive financial partner, you're in the right place! Our members enjoy access to a variety of services like checking and savings accounts, auto loans, and even mortgage options. Plus, being part of our credit union means you have a say in how we operate; your voice matters here. To find out more about the specific eligibility criteria, feel free to visit this resource. It provides detailed information on how you can join our family at United Community located at 1001 Vermont St Quincy Il 62301. If you have any questions or need assistance with the account opening process, don't hesitate to reach out at (217) 224-1093. We're here to help you every step of the way!

Business Banking & Commercial Services

Simplifying Transactions with Merchant Services

In addition to loans, we offer merchant services that make daily transactions easier for your business. Imagine having a reliable partner who streamlines payment processing, allowing you to focus on what matters most growing your business. Our tools help you manage payments effectively, ensuring that you can serve your customers without hassle. Join us at United Community where we're dedicated to fostering local businesses through personalized service and tailored financial products. Reach out today at (217) 224-1093 to learn more about how we can support your journey!

Unlocking Growth with Loans

Every successful business has a story, and often, it begins with the right financial support. 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

Accessibility and Support

We understand that not everyone has the same schedule. That's why our lobby hours are designed for flexibility open Monday through Friday from 9 AM to 5 PM, with Saturday drive-thru hours from 9 AM to 12 PM. If you have any questions or need assistance navigating our services, don't hesitate to reach out at (217) 224-1093. At United Community, we are committed to offering personalized service and financial solutions that make a real difference in our members' lives. Explore everything we have to offer by visiting us at United Community Credit Union today! Ready to take control of your finances? Contact us or stop by we're here for you!

Business Banking Solutions

For entrepreneurs and small business owners, we recognize that having reliable financial support is essential. That's why we provide comprehensive business banking services, including merchant services to help streamline transactions and business loans designed to fuel your growth.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking features that let you manage your accounts from anywhere. With just a few taps on your smartphone or clicks on your computer, you can easily check balances, transfer funds, and pay bills without needing to visit us in person. For those times when you prefer face-to-face interaction or need quick access to cash, our ATM and cash withdrawal services are readily available for all members. Plus, our basic drive-thru banking provides an easy way to handle deposits and withdrawals during your busy day.

Personal Banking Services

Navigating your finances can sometimes be overwhelming, but at United Community, we simplify it. Our personal banking options include checking and savings accounts tailored to fit your lifestyle. If you're thinking about purchasing a new car or refinancing your existing vehicle, our auto loans and vehicle financing solutions can get you on the road without breaking the bank. For those considering homeownership, our mortgage loans and refinancing services are designed to meet your specific needs. Sometimes life throws unexpected expenses your way, which is why we offer personal loans and debt consolidation options. These services help you manage your financial obligations more effectively. Additionally, our credit cards with rewards allow you to earn while you spend, providing benefits that enhance your everyday purchases.

Digital & Online Banking

Accessibility and Security

We prioritize both accessibility and security in everything we do. Our mobile payments feature is currently not available, but rest assured that all transactions are protected by advanced security measures. You can confidently access your accounts knowing that your information is safe with us. At United Community, we're committed to making banking accessible for everyone. Our digital services are not just about technology; they're about enhancing your banking experience so you can focus on what matters most to you. Explore how easy it is to take control of your finances with us today!

Key Features

Explore our user-friendly online banking platform at https://ucua.org/. Whether you want to check your balance, pay bills, or transfer funds, our 24/7 online banking services are designed for your convenience. Plus, you can enjoy the peace of mind that comes with electronic signature authorization, making it simple to sign documents securely without the need for paper. Need to keep track of your statements? We offer e-statements that you can access anytime, helping you stay organized and reduce clutter. If you're on the go, our mobile application lets you manage your accounts right from your smartphone. And if sending money to friends or family is on your agenda, our person-to-person transfer feature makes it quick and hassle-free.

Financial Strength

At United Community, 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 understand how important it is for you to know that your money is in safe hands, and our robust financial strength reflects our commitment to serving you reliably. 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 $1,544 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 $12,428,143 in share certificates, offering stable and rewarding financial growth opportunities. Although we focus on our members, we also have $0 from non-member deposits; this shows our dedication to prioritizing member benefits through better loan rates and exclusive perks. With $17,452,601 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 $51,197 in used auto loans and $89,647,691 in total loans and leases. Our impressive $805,277 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. In addition, net shares available for lending stand at $0, while our total share accounts are at an impressive 18,882, indicating 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, 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. 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

Additional Financing Options

If you're considering expanding your business or need additional funds for personal projects, our total credit lines amounting to $3,500,000 provide significant financial flexibility. While we currently do not have outstanding commercial loans available at this time, our team is ready to assist you in exploring other financing avenues that align with your goals. For more information about our loan offerings and eligibility options including refinancing opportunities feel free to contact us at 217-224-1093 or visit us at 1001 Vermont St., Quincy IL 62301. 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 look forward to helping you navigate your financial journey!

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. Whether you're interested in financing a brand-new model or a reliable pre-owned vehicle, our flexible terms and competitive interest rates make it easier than ever to drive home in your ideal car.

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 provide clear guidance throughout the process so that you can focus on finding your perfect home rather than getting lost in paperwork. Whether you're a first-time buyer or looking to refinance your current mortgage for better terms, our dedicated team is here to help.

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. With no collateral required and straightforward application processes, these cards are ideal for everyday purchases or unexpected expenses. Enjoy the convenience of credit while maintaining control over your budget.

Loan Aggregator

Benefits of Using LendMesh

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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 rigorous approach guarantees that the offers displayed are both fair and transparent. Each loan comparison reflects accurate information, helping consumers make informed decisions without the confusion often associated with loan shopping.