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

Introduction

At United Community Credit Union, we believe in building lasting relationships with our members. Located at 3633 Maine St, Quincy, IL 62305, we have been a trusted financial partner since our establishment in 1941. With a strong commitment to community service, we proudly support over 10,232 members and manage total assets of $118,416,734. Our dedicated team of 39 employees, led by CEO Sarah Distin and Board President Andrew Doellman, is here to provide personalized services tailored to your financial needs. Whether you're looking for checking and savings accounts, auto loans, or mortgage refinancing, we have you covered. Our focus on member satisfaction means we work diligently to offer competitive rates and exceptional service. With total deposits reaching $1,592,561 and loans amounting to 75,064, we are well-equipped to help our members achieve their financial goals. We maintain a healthy net worth of $18,282,661, ensuring that your money is safe with us. Plus, with cash in hand totaling $1,212,658, we are ready to assist you whenever you need it. While members can visit us at our branch location, official correspondence should be sent to the same address: 3633 Maine St, Quincy, IL 62305. If you have any questions or need assistance, don't hesitate to reach out! You can call us at 217-221-1963 or visit our website at myuccu.com for more information. Join us today and experience the United Community difference where your financial success is our priority!

Branch History & Mission

United Community Credit Union, located at 3633 Maine St, Quincy, IL 62305, has been a vital part of our community since it opened its doors in 1941. With a rich history spanning over eight decades, we have grown alongside the residents of Quincy and surrounding areas, serving as a trusted financial partner for more than 10,000 members. Our branch is not just a place to manage finances; it's a cornerstone of support for individuals and families striving to achieve their financial goals. From our humble beginnings, United Community has evolved into a robust institution with total assets exceeding $118 million. Over the years, we have continuously adapted to meet the changing needs of our members by expanding our services and introducing innovative solutions. Today, we offer personal banking products like checking and savings accounts, auto loans, mortgages, and credit cards with rewards. Our commitment to providing excellent service is reflected in our dedicated team of 39 employees who strive to make every member's experience exceptional. At United Community, we believe that our mission goes beyond just financial transactions. We are committed to enhancing the lives of our members through financial education and community outreach initiatives. Our goal is to empower individuals by providing them with the tools and knowledge they need to make informed decisions about their finances. We actively participate in local events and support various charitable organizations, fostering a spirit of giving back that resonates deeply within our culture. While members can visit us at 3633 Maine St for all their banking needs, official correspondence should be sent to the same address. Our branch features convenient operating hours: Monday through Friday from 9 AM to 4 PM (with extended hours on Fridays until 5:30 PM) and Saturday mornings from 8 AM to 12 PM. For those on-the-go, we offer ATM services and drive-thru banking options. In an era where digital advancements are essential, United Community embraces technology while ensuring accessibility for everyone. Our online banking platform allows members to manage their accounts easily from anywhere. We also provide mobile application access for added convenience. We invite you to become part of the United Community family. Join us today and experience firsthand the benefits of being a member-driven credit union that genuinely cares about your financial well-being and community growth. Together, let's build a brighter future!

Branch Location & Accessibility

Convenient Access

Parking is ample and easily accessible, ensuring you can get in and out without hassle. Our facility is fully ADA compliant, featuring ramps and other accessibility options to assist all members of our community. Plus, we offer drive-thru banking services so you can complete your transactions from the comfort of your car.

Operating Hours

Our lobby hours are designed to fit your busy schedule. We're open Monday through Tuesday from 8:30 AM to 5 PM, Wednesday and Thursday from 9 AM to 4 PM, and Friday from 8:30 AM to 5:30 PM. On Saturdays, we're here for you from 8 AM to noon! If you need assistance outside of these hours, don't hesitate to give us a call at 217-221-1963.

Services Offered

At United Community Credit Union, we offer a range of services tailored to meet your financial needs. From checking and savings accounts to auto loans and mortgages, we have something for everyone. Our ATM is available for those quick cash withdrawals or balance checks, providing additional convenience during your visit. While members can visit us at 3633 Maine St., official correspondence should be sent to the same address for consistency. Come by today and discover how United Community Credit Union can help you achieve your financial goals. We look forward to serving you!

Member Eligibility

At United Community, we believe that everyone deserves a place to belong, and becoming a member is your first step into our supportive community. If you live, work, worship, or attend school in the Quincy area, you're likely eligible to join us! We welcome individuals from various backgrounds and walks of life because we know diversity strengthens our community. Plus, as a member, you'll enjoy access to a range of financial services tailored just for you, from checking and savings accounts to auto loans and credit cards with rewards. Joining is simple! Just visit us at 3633 Maine St Quincy Il 62305, or give us a call at (217) 221-1963 for more details on how you can become part of the United Community family. You can also check out the specific eligibility criteria by visiting [this link](). We look forward to helping you take this exciting step toward better financial health!

Business Banking & Commercial Services

Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. While currently, we have not funded any commercial loans for members or non-members, we are dedicated to creating solutions that empower local businesses in Quincy, IL.

Merchant Services

In addition to loans, we offer merchant services tailored to streamline your transactions. Picture this: a local café that accepts payments effortlessly, ensuring a smooth experience for customers while managing cash flow efficiently. With our merchant services, businesses can focus on what they do best serving their customers and growing their operations. For more information about how United Community can assist your business, visit us at 3633 Maine St Quincy Il 62305, call us at (217) 221-1963, or explore our website at https://ucua.org/. Together, let's build a brighter future for your business!

Comprehensive List Of Services

Business Banking

If you own a business, we have dedicated services just for you. From merchant services that simplify payment processing to business loans that help you expand operations or invest in new equipment, we understand what it takes to keep your business thriving.

Connect With Us

We invite you to experience the friendly service and community-focused approach at United Community. For more information about any of these services or how we can assist you further, don't hesitate to reach out! Give us a call at (217) 221-1963 or visit us during our operating hours: Lobby M-F 9-4; Drive-Up M-T 8:30-5, F 8:30-5:30, S 8-12. Join us today and discover how United Community Credit Union can help make your financial journey smoother!

Credit Cards

Managing everyday purchases is simple with our credit cards featuring rewards. Earn points for every dollar spent and redeem them for cash back or travel perks it's a great way to make your spending work for you!

Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why we offer comprehensive online and mobile banking services. Access your accounts anytime, anywhere from checking balances to transferring funds right from your smartphone or computer. You can even take advantage of ATM and cash withdrawal services, giving you quick access to your money when needed. Our branch also features basic drive-thru banking, allowing you to complete deposits, withdrawals, and other simple transactions without leaving your car. And with our ATM access available 24/7, managing your finances has never been easier.

Personal Banking

For those seeking reliable personal banking options, we offer an array of services tailored just for you. Our checking and savings accounts are designed to fit your lifestyle, making it easy to manage your day-to-day expenses while also saving for important milestones. If you're thinking about purchasing a new car or refinancing an existing loan, our auto loans and vehicle financing options can get you on the road with competitive rates and flexible terms. Homeownership dreams can also become a reality with our mortgage loans and refinancing services. We guide you through the process, ensuring you understand all your options so that you can make informed decisions. For those facing unexpected expenses or wishing to consolidate debt, our personal loans and debt consolidation services provide the financial relief you need.

Digital & Online Banking

At United Community, we understand that your time is valuable, and managing your finances should be as easy and secure as possible. That's why we offer a variety of digital and online banking services designed to fit your busy lifestyle. Whether you're at home or on the go, our services provide you with the convenience and control you need over your finances. With our online banking platform, you can access your accounts anytime, anywhere. This means real-time account management is just a click away! Our 24/7 online banking services allow you to check balances, transfer funds, and pay bills at your convenience. Plus, with electronic signature authorization available, signing documents is quick and hassle-free. For those who prefer to bank from their mobile devices, our mobile application makes it easy to manage your accounts right from your smartphone. You can also take advantage of person-to-person transfers, ensuring that sending money to friends or family is simple and instant. While mobile payments aren't available yet, we're committed to providing innovative solutions that enhance your banking experience. Additionally, opting for e-statements helps you stay organized while reducing paper clutter. You can view your statements online whenever you need them no more waiting for the mail! At United Community, security is paramount. We use advanced encryption technology to protect your information so you can bank with confidence. Our user-friendly features are designed to make every transaction smooth and straightforward. Explore all these fantastic options today by visiting us at https://ucua.org/ and discover how our digital banking solutions can simplify your financial life!

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 that in today's world, trust in your financial institution is paramount. That's why we are proud to share our solid financial standing with you. 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. 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. 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 is substantial; we currently hold $51,197 in used auto loans and $89,647,691 in total loans and leases supporting our members' financial goals across various sectors. Our performance speaks volumes; our net income of $805,277 reflects our operational efficiency. This efficiency enables 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. With a total of 18,882 share accounts, we showcase 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 3633 Maine St Quincy IL 62305 or call 217-221-1963 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 $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 looking for financing on a brand-new ride or a reliable used vehicle, we've got options that work for you.

Credit Lines

For those needing additional flexibility with funds, we provide credit lines totaling $3,500,000. This service allows you to access cash when you need it while only paying interest on what you use.

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 competitive rates and terms to help make your dream of owning a home a reality.

Refinancing Options

If you're considering refinancing existing loans or mortgages to lower your payments or take advantage of better rates, our team is here to assist you. We'll guide you through eligibility options and help find solutions that work best for your financial situation. At United Community Credit Union, we pride ourselves on being more than just a lending institution; we are your partner in financial success. If you have any questions or want to explore our loan offerings further, please don't hesitate to reach out at (217) 221-1963. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

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 can be an excellent tool for building credit or covering unexpected expenses without the need for collateral.

Loan Aggregator

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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 commitment ensures that all loan offers are not only accurate but also fair and transparent. By partnering with reputable financial institutions, LendMesh provides users with a trustworthy platform for comparing loans.