United Equity Credit Union Decatur IL | Low Mortgage Rates & Auto Loans

Introduction

Welcome to United Equity, where your financial well-being is our top priority! Nestled in the heart of Decatur, IL at 2300 N Edward St, we have been dedicated to serving our community since our establishment. With a proud membership of 6,581 and total assets reaching an impressive $70,637,576, we are committed to providing you with the services and support you need to thrive financially. Under the leadership of our CEO, Ann Wildman, and Board President, Bev Bowlby, we strive to create a welcoming environment for all our members. Our team of 23 employees is here to guide you through a variety of financial products including personal banking options, auto loans, mortgage financing, and business banking services. Whether you're seeking to open a new checking account or explore loan options, you'll find that at United Equity, we prioritize transparency and trust. For your convenience, while members can visit us at our branch address, official correspondence should be directed to our mailing address: 1130 E Pershing Rd, Decatur, IL 62526. With total deposits amounting to $4,097,043 and a net worth of $10,585,336, we ensure that your money is in safe hands. You can also rest assured knowing that we have over $504,446 in cash available for immediate access. Ready to take the next step? Feel free to reach out at (217) 872-3789 or visit our website at uecu.com. Join us today and experience the difference that personalized service can make in your financial journey!

Branch History & Mission

Welcome to United Equity, a credit union with deep roots in the Decatur community, Illinois. Since our establishment at 2300 N Edward St, Decatur, IL 62526, we have been committed to providing exceptional financial services and fostering relationships that matter. With a history that spans many years, United Equity was founded with the mission of empowering our members through personalized banking solutions and community support. As we reflect on our journey, we take pride in how far we've come. Our growth is evident not only in our total membership of 6,581 but also in our total assets of $70,637,576. Each milestone represents our dedication to serving our members' financial needs while contributing positively to the local economy. Our headquarters is located in Decatur, where we have always aimed to make banking accessible and beneficial for everyone. At United Equity, our mission goes beyond just offering products; we strive to enrich lives. We are here to provide essential services such as checking and savings accounts, auto loans, mortgage refinancing, personal loans, and credit cards with rewards. We focus on meeting our members' needs with sincerity and a personal touch. Our commitment extends into the community through various outreach programs designed to uplift those around us. While members can visit us at 2300 N Edward St, official correspondence should be sent to 1130 E Pershing Rd, Decatur, IL 62526 if needed. We welcome you during our lobby hours from 11 AM to 4 PM on Mondays, Tuesdays, Thursdays, and Fridays. Although we currently do not offer ATM or drive-thru services at this location, we prioritize digital advancements that enhance your banking experience. You can conveniently access your accounts online or through our mobile app. Plus, features like electronic signatures and person-to-person payments ensure you have secure options for managing your finances. Our team is dedicated to ensuring everyone feels included and supported when they walk through our doors. Through partnerships within the community and a commitment to ADA compliance, we aim to create an environment where every member feels valued. We invite you to join United Equity today! Experience firsthand how we can help you achieve your financial goals while being part of a supportive community. Together, let's build a brighter future! For more information or assistance, please call us at (217) 872-3789 or visit us online at United Equity.

Branch Location & Accessibility

Welcome to United Equity, your trusted credit union located at 2300 N Edward St in Decatur, IL! We're excited to serve our community with a range of financial services right here in the heart of Macon County. Our branch is easy to find, situated near local landmarks that make your visit convenient and familiar. At United Equity, we strive to ensure that everyone can access our services comfortably. While we do not currently have drive-thru banking or ATM services at this location, our friendly staff is ready to assist you inside during our lobby hours. You can visit us from Monday, Tuesday, Thursday, and Friday between 11 AM and 4 PM. Whether you're looking for personal banking options like checking and savings accounts or need help with auto loans, mortgage refinancing, or credit cards with rewards, we've got you covered! If you need to send official correspondence, please note that it should be addressed to our mailing address at 1130 E Pershing Rd, Decatur, IL 62526. We understand the importance of accessibility. Our branch is designed with features that accommodate all members of the community. From ample parking to ADA-compliant entrances, we aim to make your experience as smooth as possible. Feel free to reach out to us at 217-872-3789 if you have any questions or would like more information about our services. We look forward to welcoming you soon!

Member Eligibility

At United Equity, we believe that everyone deserves a chance to belong to a caring community. Joining us as a member is straightforward and welcoming! If you live, work, worship, or attend school in the Decatur area, you are eligible to become part of our family. We value each member's unique story and strive to support your financial journey with personalized services tailored just for you. To explore the full details of eligibility, feel free to visit our website. Becoming a member opens the door to numerous benefits, including competitive rates on loans and savings accounts, access to friendly staff who genuinely care about your needs, and a variety of financial products designed to help you thrive. Ready to take the next step? You can easily open an account by giving us a call at (217) 872-3789 or visiting us at our branch located at 2300 N Edward St Decatur Il 62526. We're here to guide you through every step of the process!

Business Banking & Commercial Services

Driving Economic Growth

With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses in Decatur, IL. Partner with us at United Equity, located at 2300 N Edward St Decatur Il 62526, and let's work together to turn your business vision into reality! For more information, call us at (217) 872-3789 or visit our website at Dmh.

Financing Options for Growth

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. Additionally, we support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions that cater to various requirements.

Merchant Services That Make Sense

In today's fast-paced market, having efficient payment processing is crucial. Our merchant services allow businesses to accept payments seamlessly, enabling smoother transactions that enhance customer satisfaction. Imagine a local café using our services to quickly process orders during the morning rush this not only speeds up service but also keeps customers coming back.

Comprehensive List Of Services

Business Banking

For small business owners, United Equity offers business banking solutions including merchant services and business loans. We recognize that running a business can be challenging, and we're here to support you with the financial tools necessary for growth and success.

Credit Cards

Looking for rewards on your everyday spending? Our credit cards come with attractive rewards programs that allow you to earn points while enjoying all the benefits of responsible credit use. It's a smart way to get more from your purchases.

Digital Banking Solutions

In today's fast-paced world, convenience is key. That's why we've integrated robust online and mobile banking features into our services. You can manage your accounts anytime, anywhere whether it's checking balances, transferring funds, or making payments. Our mobile application also supports person-to-person payments, allowing you to send money effortlessly to friends or family. While we currently do not have ATM or drive-thru services available, our commitment to online access ensures that you can perform essential banking tasks without any hassle. At United Equity, we're more than just a credit union; we're a community partner dedicated to helping you thrive financially. If you're ready to explore how we can assist you further or if you have questions about any of our services, feel free to reach out! Call us at 217-872-3789 or visit our website at www.uecu.com today!

Personal Banking

When it comes to personal banking, we offer checking and savings accounts designed for ease and accessibility. Whether you're saving for a rainy day or managing daily expenses, our accounts are structured to help you achieve your financial goals. For those looking to make significant purchases or consolidate debt, our auto loans and vehicle financing options provide competitive rates that make driving away with your dream car possible. Thinking about owning a home? Our mortgage loans and refinancing options are here to assist you in navigating the path to homeownership. We understand that every member's situation is different, which is why we also offer personal loans and debt consolidation services aimed at simplifying your finances.

Digital & Online Banking

Accessibility and Security

With every transaction done through our platform being protected by advanced security measures, you can have peace of mind knowing that your information is safe. We prioritize making banking accessible and straightforward so that whether you're at home or out running errands, managing your finances is always just a tap away. Join us at United Equity and discover how easy it is to take control of your finances with our comprehensive digital banking services!

Key Features

Our online banking platform is user-friendly and secure, allowing you to check your balances, pay bills, and transfer funds with just a few clicks. You can enjoy the benefits of e-statements, which are not only eco-friendly but also give you quick access to your financial documents whenever you need them. Plus, with electronic signature authorization, signing important documents has never been simpler no more printing or mailing! For those who love to stay mobile, our dedicated mobile application lets you manage your account right from your smartphone. You can send money easily with our person-to-person transfer feature and make payments using mobile payments all designed for your convenience.

Financial Strength

Committed to Operational Efficiency

Our $298,669 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 14 full-time employees and 9 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Growing Together

We currently have a total of 10,442 share accounts, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $0. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, United Equity is your trusted partner. Visit us at 2300 N Edward St Decatur Il 62526 or call (217) 872-3789 to learn more about how we can help you achieve your financial goals.

Members’ Savings Are Secure

Your savings are our priority. Members' savings are secured through $10,398,792 in share certificates and $4,996,411 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.

Reinvesting in Your Future

With $10,175,713 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 members' financial goals across various sectors with $1,536 in used auto loans and $45,683,732 in total loans and leases.

Solid Financial Health

With a net worth of $10,585,336, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 14.99% 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 $17,124,251 in used vehicle loans and $8,076,859 in new vehicle loans already helping members get on the road. We provide financing options for both new and used vehicles, making it easier than ever to find a plan that fits your budget.

Credit Lines and Personal Financing

For those looking for flexibility in managing expenses, our credit lines are available with a total of $4,200,000 ready to assist you. We also offer unsecured credit card loans with a total amount of $1,635,722, providing an effective way for members to manage their finances without the burden of collateral.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $2,092,772, make buying or refinancing simple. We offer competitive rates and terms to help you secure the home of your dreams.

Refinancing Options

If you're considering refinancing any existing loans or mortgages, please reach out to us. We can discuss eligibility options that may help you lower your monthly payments or reduce interest rates. If you have any questions about our loan products or want to explore your options further, feel free to contact us at 217-872-3789 or visit us at 2300 N Edward St Decatur Il 62526. 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 United Equity help you take the next step toward achieving your financial aspirations!

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UNITED EQUITY CREDIT UNION - Decatur, IL

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