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

Introduction

Welcome to United Community Credit Union, where your financial needs take center stage! Located at 1426 N 26Th St, Quincy, IL 62301, we are proud to serve our community since our establishment in 1941. With over 10,000 members and a solid foundation built on trust and reliability, we are committed to providing personalized banking solutions tailored just for you. At United Community, we understand that every member's financial journey is unique. That's why we offer a wide array of services from checking and savings accounts to auto loans and mortgages designed to help you reach your goals. With total assets of $118,416,734 and total deposits amounting to $1,592,561, our strong financial position ensures that you can bank with confidence. Our dedicated team of 39 employees, led by CEO Sarah Distin and Board President Andrew Doellman, is here to guide you through every step of your financial decisions. Whether you're looking for personal loans or business banking services, our friendly staff is ready to assist you. While members can visit us at our branch location, official correspondence should be sent to our mailing address: PO Box 3543, Quincy, IL 62301. We encourage you to reach out anytime; simply call us at 217-222-5427 or send a fax to 217-224-0802. Explore our website at myuccu.com for more information about our services or stop by during our lobby hours: Monday-Friday from 9 AM - 4 PM (and until 5:30 PM on Fridays). We also offer drive-thru service for your convenience! Join us today and experience the United Community difference a credit union that truly cares about your financial well-being!

Branch History & Mission

Community Focused

While members can visit us at 1426 N 26th St, official correspondence should be sent to PO Box 3543, Quincy, IL 62301. We are dedicated to maintaining accessibility through various channels; with ATM availability and a drive-thru, we make banking easy for all. Our digital advancements ensure that members can manage their finances online or through mobile platforms. As part of our commitment to inclusivity, we adhere strictly to ADA compliance standards so that everyone can enjoy our services without barriers.

Join Us

We invite you to become part of the United Community family today! Experience firsthand the benefits of membership where your success is our priority. Together, let's build a brighter financial future for you and your loved ones. For more information or inquiries, feel free to reach out at 217-222-5427 or visit us online at ucua.org. Your journey towards better banking starts here!

Our Mission

At United Community Credit Union, our mission goes beyond just offering banking services. We strive to empower our members through financial education and support, fostering an environment where everyone can achieve their financial goals. We believe that by putting our members first, we contribute positively to the community around us. In addition to traditional banking services like checking accounts and loans including auto financing and mortgages we actively engage in community outreach programs. Whether it's partnering with local organizations or hosting financial literacy workshops, we aim to uplift everyone in Quincy and beyond.

Our Story

From humble beginnings, United Community has evolved into a thriving credit union with total assets exceeding $118 million. Our journey began with a simple mission: to provide accessible and affordable financial services to our members. Over the decades, we have achieved significant milestones, including expanding our range of services to meet the diverse needs of our community. We are not just about numbers; we're about people and relationships. Our branch operates with a commitment to excellence in customer service, evident in our operating hours designed for convenience: Lobby hours from Monday to Friday accommodate varying schedules, while our drive-thru offers quick access for those on-the-go.

Branch Location & Accessibility

Convenient Access and Features

Finding us is easy! Our branch is designed with accessibility in mind. We offer ample parking and ADA-compliant features to ensure that everyone can visit without hassle. Plus, our drive-thru banking allows you to handle simple transactions without leaving your car perfect for those on the go!

Get in Touch!

Ready to learn more? Don't hesitate to give us a call at 217-222-5427! Our friendly staff is eager to help you navigate all your financial needs. We invite you to stop by and discover why so many in Quincy trust United Community as their go-to credit union.

Operating Hours That Work for You

At United Community, we understand the importance of flexibility in banking. Our lobby hours are tailored to meet your needs: Monday and Tuesday from 9 AM to 5 PM, Wednesday and Thursday from 9 AM to 4 PM, and Friday from 8 AM to 5:30 PM. Whether you're coming in early or need some extra time on Fridays, we've got you covered.

Services at Your Fingertips

We provide a full range of services designed to fit your lifestyle. From checking and savings accounts to auto loans and mortgage refinancing, our team is ready to assist you with personalized solutions. And if you need cash quickly, don't forget about our ATM availability right here at the branch! While members can visit us at 1426 N 26Th St for all their banking needs, any official correspondence should be directed to our mailing address at PO Box 3543, Quincy, IL 62301.

Member Eligibility

At United Community, we believe that everyone deserves a supportive financial community to turn to, and becoming a member is just the first step in joining us. If you live, work, or worship in our local area, you're likely eligible to become part of our family! We welcome individuals from all walks of life who share our commitment to building a brighter financial future together. For more detailed eligibility criteria, feel free to check out our resource at . Joining United Community means you're not just opening an account; you're gaining access to a range of services designed with your needs in mind like personal banking options, auto loans, and even online banking for convenience. Ready to take the next step? Opening your account is easy! Just give us a call at (217) 222-5427, and we'll guide you through the simple process. Our branch is located at 1426 N 26Th St Quincy Il 62301, and we can't wait to welcome you into our community!

Business Banking & Commercial Services

Business 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

In addition to loans, we offer merchant services designed to simplify transactions. Picture a busy retail shop using our point-of-sale systems to process sales quickly and efficiently while managing inventory seamlessly. This not only enhances customer satisfaction but also helps business owners keep track of their sales data effortlessly. Whether you're just starting or looking to grow, United Community is here to provide the resources you need at every step of your journey. Visit us at 1426 N 26Th St Quincy Il 62301 in Quincy, IL, or give us a call at (217) 222-5427 to learn more about how we can support your business goals!

Comprehensive List Of Services

Business Banking Services

For entrepreneurs and business owners, United Community offers robust business banking solutions. From merchant services that simplify transactions to business loans that fuel growth, we understand what it takes to run a successful enterprise.

Convenient Online and Mobile Banking

We know that convenience is key in today's busy world. That's why our online and mobile banking features are designed with you in mind. Easily check balances, transfer funds, or pay bills from the comfort of your home or on the go. Plus, our ATM services ensure you have access to cash whenever you need it, with basic drive-thru banking available for quick deposits and withdrawals.

Financial Support When You Need It

Life can throw unexpected challenges your way, which is why we also provide personal loans and debt consolidation options. These services allow you to manage expenses more effectively, ensuring that financial hurdles don't hold you back. For those who appreciate rewards, our credit cards come with perks that make every purchase worthwhile. Enjoy cashback on everyday spending or earn points toward travel whatever fits your lifestyle best!

Get Started Today!

With so many services tailored just for you, there's no better time than now to explore what United Community has to offer! Whether you're looking for personal banking solutions or need assistance with your business finances, our friendly team is ready to help. Visit us at 1426 N 26Th St Quincy Il 62301 or give us a call at (217) 222-5427 today! Let's work together towards achieving your financial goals!

Personal Banking Solutions

Our personal banking services cater to everyone, from first-time savers to seasoned investors. We offer checking and savings accounts that help you manage your money efficiently. Imagine effortlessly keeping track of your finances while earning interest on your savings this is possible with our accounts tailored just for you. If you're looking to purchase a vehicle, our auto loans and vehicle financing options make it simple. With competitive rates and flexible terms, you can drive off in your dream car without breaking the bank. Or perhaps you're eyeing a new home? Our mortgage loans and refinancing solutions can help turn that dream into reality, making homeownership accessible for all.

Digital & Online Banking

Key Services Available

Visit us at https://ucua.org/ to explore our user-friendly online banking platform. Here, you can access your account 24/7, allowing you to check balances, pay bills, and transfer funds with ease. Our services include person-to-person transfers, making it simple to send money to friends or family instantly. Need to sign documents? No problem! We provide electronic signature authorization, so you can complete transactions without the hassle of paperwork. Plus, you can opt for e-statements to stay organized and environmentally friendly all delivered right to your inbox. If you're on the go, you'll love our mobile application. It provides all the features of online banking right at your fingertips. Although we currently do not support mobile payments, the app allows you to manage your finances with ease and convenience.

Security You Can Trust

Your security is our top priority. We use advanced encryption technologies to protect your personal information and ensure that only you have access to your accounts. You can bank with confidence knowing that we're committed to keeping your data safe. With all these features designed for accessibility and ease-of-use, managing your finances has never been simpler. At United Community, we're here to support you every step of the way in achieving financial wellness right from the comfort of your home or wherever life takes you!

Financial Strength

Commitment to Innovation

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.

Growing Membership Base

Total Share and Deposit Accounts: 18,882, showing a strong and growing member base that trusts us with their finances. This trust allows us to thrive as your reliable credit union. 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 1426 N 26Th St Quincy Il 62301 or call (217) 222-5427 to learn more about how we can help you achieve your financial goals.

Member Savings Secured

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 $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.

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 $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.

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 competitive terms and flexible repayment options that suit your budget.

Credit Lines

For those who want flexibility in managing cash flow, our total credit lines amount to $3,500,000. This option allows you to access funds as needed while only paying interest on what you use. If you're considering refinancing any of your existing loans or would like more information about eligibility for these products, our knowledgeable staff is here to help guide you through the process. At United Community Credit Union, we are committed to providing personalized service and support. Feel free to reach out at (217) 222-5427 for any questions or visit us during our operating hours: Lobby M-F 9-4 and Drive-up M-T 8-5; F 8-5:30. 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 navigate your financial journey today!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $2,005,584, which can help you secure the home you've been dreaming of. Whether you're purchasing a new property or looking to refinance an existing mortgage, our team is ready to assist you every step of the way.

Unsecured Credit Card Loans

Managing everyday expenses can be challenging. That's why 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 our credit card options, you can enjoy the convenience of easy access to funds when you need them most.

Loan Aggregator

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Ensuring Accurate 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 ensures that users receive fair and transparent offers. Every lender listed is verified, so you can trust the information you see.