United Employees Credit Union Albert Lea MN | Affordable Auto Loans & ATM Services

Introduction

Welcome to United Employees Credit Union, your trusted financial partner since 1932! Located at 430 Bridge Ave, Albert Lea, MN 56007, we have proudly served our community for over 90 years, building lasting relationships with our 4,069 members. With a strong commitment to providing personalized services, we understand the importance of local banking. While members can visit us at 430 Bridge Ave, official correspondence should be sent to P.O. Box 729, Albert Lea, MN 56007. Our dedicated team is here to support you with a wide range of financial products tailored just for you. From checking and savings accounts to auto loans and mortgage refinancing, we are equipped to meet your needs. At United Employees Credit Union, we manage total assets of $59,258,721, ensuring that your deposits amounting to $1,133,321 are secure. Our net worth stands strong at $7,839,317, reflecting our stability and dedication to our members' financial health. We are proud of our ability to issue loans that empower individuals and families; currently, we have facilitated 2,149 loans and leases. Under the leadership of CEO Matt Maras and Board President C. Thayne Nordland, our team is focused on delivering exceptional service while fostering financial literacy in the community. With just 8 employees, we pride ourselves on maintaining a personal touch in all our interactions. Whether you're looking for reliable banking solutions or seeking expert advice on managing your finances, we invite you to connect with us. Visit our website at unitedecu.com or give us a call at 507-377-1616 during our lobby hours from Monday to Friday between 8:30 AM and 4:30 PM. Experience the difference with United Employees Credit Union where your financial success is our priority!

Branch History & Mission

At United Employees Credit Union, we take pride in our rich legacy of service and growth since our founding in 1932. Located at 430 Bridge Ave, Albert Lea, MN 56007, our branch has stood as a pillar of support for the community for over nine decades. As we celebrate our history, we also look forward to continuing our mission of providing valuable financial services to our members. From humble beginnings, United Employees Credit Union has grown to serve a vibrant community with over 4,000 members and total assets exceeding $59 million. Our journey is marked by milestones that reflect our commitment to member satisfaction and community engagement. We have continuously evolved to meet the changing needs of our members, offering a range of services such as personal banking, auto loans, mortgages, and credit cards with rewards. Our mission is simple yet powerful: to empower our members through accessible financial services while fostering a sense of community. We believe that by supporting our members' financial goals, we can help them achieve greater stability and success. Whether it's helping someone purchase their first car or guiding families through home financing, every interaction is focused on making a positive impact. While members can visit us at 430 Bridge Ave, official correspondence should be sent to P.O. Box 729, Albert Lea, MN 56007. Our branch operates Monday through Friday from 8:30 AM to 4:30 PM, ensuring that we're available when you need us most. We also offer convenient drive-thru banking for quick transactions. As part of our commitment to modern banking solutions, we provide online and mobile banking services that make managing finances easier than ever. While we currently do not have ATM services available at this branch, we are dedicated to providing efficient alternatives for cash withdrawal and other banking needs. Community outreach remains at the heart of what we do. Over the years, United Employees Credit Union has formed partnerships with local organizations to give back and uplift those around us. Our aim is not just to be a financial institution but also a trusted neighbor who cares about the well-being of everyone in Albert Lea. Join us today at United Employees Credit Union! Experience the benefits of being part of a member-focused credit union where your needs come first. Together, let's build a brighter financial future for you and your family! For more information or assistance, please call us at 507-377-1616 or visit our website at unitedecu.com.

Branch Location & Accessibility

Accessibility and Features

At United Employees, we prioritize making banking easy for everyone. We offer ample parking right outside the branch, making it simple to pop in during your busy day. Our facility is designed with accessibility in mind, featuring ADA-compliant ramps and entrances to ensure that all members can visit us comfortably. For your convenience, we have drive-thru banking available. This allows you to conduct essential transactions like deposits and withdrawals without leaving your vehicle. Plus, our friendly staff is always ready to assist you with any questions or services you may need.

Operating Hours and Contact Information

We are here for you Monday through Friday from 8:30 AM to 4:30 PM. Feel free to reach out to us at (507) 377-1616 if you have any questions or need assistance before your visit. While members can visit us at 430 Bridge Ave, official correspondence should be sent to our mailing address: P.O. Box 729, Albert Lea, MN 56007.

Services Offered

At United Employees Credit Union, we provide a variety of financial services tailored to meet your needs. From personal banking options like checking and savings accounts to loans for your next vehicle or mortgage refinancing, we've got you covered. You can also enjoy online and mobile banking for added convenience. We invite you to come see us today! Whether you're looking to open an account or simply want more information about our services, we're here to help. Your financial journey starts with us at United Employees Credit Union!

Member Eligibility

Becoming a member of United Employees feels like joining a close-knit family that's dedicated to your financial well-being. Here at our branch located at 430 Bridge Ave Albert Lea Mn 56007, we welcome individuals who live, work, or go to school in the area. If you're part of the local community, you're likely eligible to join us! Membership offers you access to personalized financial services designed with your needs in mind, from checking and savings accounts to auto loans and credit cards with rewards. Opening an account is straightforward and welcoming. Simply reach out to us at (507) 377-1616 for any questions or visit our website for more information. You can also find detailed eligibility criteria by checking out this resource: . We can't wait to have you as part of our community at United Employees, where your financial goals are our priority!

Business Banking & Commercial Services

Merchant Services That Work for You

In addition to loans, our merchant services provide essential tools for everyday operations. Imagine being able to accept payments quickly and securely, freeing you to focus on what you do best running your business. Our services simplify transactions, making it easier for you to manage cash flow and serve your customers effectively. If you're ready to take your business to the next level, visit us at 430 Bridge Ave Albert Lea Mn 56007 in Albert Lea, MN or give us a call at (507) 377-1616. Let's work together to unlock your business potential!

Tailored Loan Solutions

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

ATM & Cash Withdrawal Services

While we currently do not have an ATM on-site, our drive-thru service offers basic banking transactions such as deposits and withdrawals right from your vehicle making it easy and convenient for busy days. At United Employees, we believe in making banking accessible and straightforward for everyone. If you're ready to explore how we can help meet your financial needs, give us a call at (507) 377-1616 or visit us at 430 Bridge Ave Albert Lea Mn 56007. Let us partner with you on your financial journey today!

Auto Loans & Vehicle Financing

Thinking about purchasing a new car? Our auto loans and vehicle financing options can help get you on the road without the stress of high-interest rates. We work hard to offer competitive rates and flexible terms, so you can drive away in your dream vehicle sooner than you think.

Business Banking

For our business members, we offer specialized banking services including merchant services and business loans. These resources are designed to support small businesses in achieving their goals while simplifying day-to-day financial management.

Credit Cards with Rewards

Enjoy shopping even more with our credit cards that come packed with rewards! Each purchase brings you closer to earning points that can be redeemed for various perks making everyday spending feel like a treat.

Mortgage Loans & Refinancing

Homeownership is a significant milestone, and at United Employees, we want to make it achievable for everyone. We offer mortgage loans that cater to first-time buyers and seasoned homeowners alike. If you're considering refinancing, our expert team can guide you through the process, helping you find solutions that could lower your monthly payments or reduce the total interest paid over time.

Online & Mobile Banking

In today's fast-paced world, having control over your finances from anywhere is crucial. With our online and mobile banking features, managing your accounts is just a click away. You can transfer money, pay bills, or check balances anytime using your smartphone or computer.

Personal Banking

Whether you're looking to open a checking or savings account, our personal banking services are tailored just for you. With options that fit different lifestyles, you can choose accounts that provide the best benefits for your needs. Imagine having easy access to your funds whenever you need them, along with tools to help you save for future dreams.

Personal Loans & Debt Consolidation

Life sometimes throws unexpected expenses our way. That's where personal loans come in handy. Whether it's for home repairs or consolidating debt, we provide options that allow you to manage your finances more effectively. Our straightforward application process ensures quick access to the funds you need.

Digital & Online Banking

Convenient Online Banking Services

Our online banking services, available at https://www.unitedecu.com/, let you take control of your money with just a few clicks. Whether you want to check your balance, pay bills, or transfer funds, everything is right at your fingertips. Plus, with 24/7 online banking availability, you can manage your finances on your own schedule.

Go Paperless with E-Statements

We also provide e-statements for those who prefer to go green. You can easily view and download your statements from the comfort of your home, helping you keep track of your financial activity without cluttering your mailbox.

Mobile Application for On-the-Go Banking

For those who are always on the move, our mobile application is here to help. Easily accessible on your smartphone or tablet, it offers features like person-to-person transfers so you can send money to friends and family quickly and safely. While mobile payments are not currently offered, our app still provides a reliable way to manage your accounts while you're out and about.

Secure Transactions at Your Fingertips

Security is a top priority at United Employees. Our online banking services are equipped with robust security measures to protect your information. And even though we do not currently support electronic signature authorization, rest assured that our systems are designed to keep your personal data safe. In summary, whether you're checking balances or transferring funds, our digital banking services are crafted for ease-of-use and accessibility. Join us at United Employees today and experience the convenience of managing your finances anytime through our online platform!

Financial Strength

Commitment to Growth and Innovation

With $6,594,711 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our total loans and leases amount to $26,986,790, including $1,529 dedicated to used auto loans. This lending capacity supports members' financial goals across various sectors.

Growing Membership Trust

We boast a strong base of trust with a total of 7,100 share accounts. This indicates that our growing member base confidently 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 Employees is your trusted partner. Visit us at 430 Bridge Ave Albert Lea Mn 56007 or call (507) 377-1616 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings Solutions

Members' savings are secured through $16,681,800 in share certificates and $6,253,705 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.

Operational Efficiency

Our operational efficiency is reflected in our $452,476, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 8 full-time employees and 0 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Solid Financial Foundation

With a net worth of $7,839,317, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,323 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

Additional Financing Options

For those looking for more than just auto or mortgage loans, we provide credit lines totaling $2,120,000, offering an extra layer of financial flexibility. Whether it's for unexpected expenses or planned purchases, these lines of credit can give you peace of mind. If you're considering refinancing any existing loans or exploring eligibility options for any of our products, please reach out to us. We're here to guide you through every step and ensure that you understand all available choices. The performance insights and financial data presented here are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. We take pride in being transparent about how we serve our community and look forward to assisting you with your financial journey at United Employees.

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $19,538,621 in used vehicle loans and $3,313,885 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new vehicle or prefer a reliable used one, our flexible terms can help make your auto purchase easier.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $3,590,928, make buying or refinancing simple. We strive to provide competitive rates and support throughout the process to ensure you find the right loan for your home.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $173,982 in loans helping members manage their finances effectively. Our credit cards come with rewards and benefits that can enhance your purchasing power while keeping your budget intact.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency in the rates presented to users. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results that truly reflect the best options available. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions allow users to compare their options effectively and efficiently. Thousands of users trust LendMesh for their loan comparisons. One member shared, "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This kind of feedback highlights how LendMesh can make a significant difference in finding the right loan. Compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.