United Credit Union Fulton MO | Best Auto Loans & Business Banking

Introduction

Welcome to United, your trusted financial partner in Fulton, Missouri! Located at 1204 S Business 54, our branch has been serving the community since 1935. With a commitment to helping our members thrive, we proudly support over 28,138 members and manage assets totaling $268,571,399. Our dedicated team of 95 employees, led by CEO Brent Sadler and Board President Patrick Donovan, is here to provide you with personalized banking solutions tailored to your needs. At United, we understand that every member's financial journey is unique. That's why we offer a range of services including personal checking and savings accounts, auto loans, mortgages, credit cards with rewards, and business banking options. Our total loans and leases amount to an impressive 108,161, reflecting our commitment to lending that empowers our community. While you can visit us at our branch for all your banking needs, please note that official correspondence should be sent to our mailing address: 1222 South Business 54, Fulton, MO 65251. We take pride in being more than just a credit union; we are a part of the fabric of this community. With total deposits reaching $16,865,612 and net worth standing at $42,144,900, we ensure the security and growth of your finances. Our cash in hand totals $5,891,257, giving us the flexibility to meet your immediate needs. Whether you're looking to open an account or explore loan options, we invite you to connect with us! Call us at 573-592-7600 or visit our website at unitedcu.org for more information. Let's build a brighter financial future together!

Branch History & Mission

Commitment to Accessibility

As part of our commitment to serving all members of the community, we ensure our facilities are ADA compliant and accessible for everyone. With features like an ATM available on-site and drive-thru banking options for added convenience, we aim to meet the diverse needs of our members effectively.

Join Us

As we look ahead, we invite you to be part of the United family. Whether you're looking for a new banking partner or seeking assistance with financial planning, we are here for you. Experience the benefits of membership today visit us or check out our website at unitedcu.org for more information on joining us! Your journey towards better financial health starts here at United!

Our Journey

Since opening our doors nearly nine decades ago, United has evolved significantly. Initially established to serve the financial needs of local families and businesses, we have expanded our services while maintaining our commitment to personal service. Over the years, we have achieved remarkable milestones, including reaching total assets of ${total_assets} and supporting our community through various outreach initiatives. Our location has also adapted to modern times with digital banking options that provide convenience without compromising the personal touch. While members can visit us at 1204 S Business 54, official correspondence should be sent to 1222 South Business 54, Fulton, MO 65251. We encourage everyone to stop by and learn more about how we can help you meet your financial goals.

Our Mission

At United, our mission is straightforward: to empower our members financially while fostering a sense of belonging and community support. We believe that everyone deserves access to quality financial services and resources that enable them to thrive. This mission drives us to offer a variety of products tailored for every need from personal banking solutions like checking accounts and auto loans to business services that help local enterprises succeed. We are dedicated not only to providing exceptional financial services but also to making a positive impact within Fulton and beyond. Through partnerships with local organizations and community outreach programs, we strive to uplift those around us.

Branch Location & Accessibility

Accessible Banking Experience

At United, we prioritize accessibility for all our members. Our location features ADA-compliant entrances and ramps, ensuring everyone can easily access our services. There's ample parking available, so you can focus on what matters most your banking needs.

Connect With Us

If you have any questions or want to learn more about what we offer, don't hesitate to reach out! Give us a call at 573-592-7600 or visit our website at unitedcu.org. We look forward to welcoming you into our branch soon! While members can visit us at 1204 S Business 54 Fulton Mo 65251, official correspondence should be sent to 1222 South Business 54, Fulton, MO 65251. Come see how United can help you achieve your financial dreams today!

Operating Hours & Services

We are here to serve you with extended hours throughout the week. Visit us Monday through Thursday from 8:30 AM to 5:00 PM, and on Fridays from 9:00 AM to 6:00 PM. Need a quick stop on Saturday? Our drive-thru service is open from 9:00 AM until noon, perfect for those busy weekends! Our branch offers a variety of services tailored to meet your financial goals. From personal banking options like checking and savings accounts to loans for vehicles and mortgages, we have what you need under one roof. Plus, with ATM availability and basic drive-thru banking for deposits and withdrawals, managing your finances has never been easier.

Member Eligibility

At United, we believe that everyone deserves a chance to be part of a friendly and supportive financial community. Becoming a member is simple! If you live, work, worship, or attend school in the area around 1204 S Business 54 Fulton Mo 65251, you're already eligible. Our membership is open to individuals who share our values of community and cooperation. By joining United, you'll enjoy personalized service, competitive rates on loans and savings accounts, and access to a variety of financial products designed to fit your needs. To learn more about eligibility or if you have any questions, feel free to check out our detailed criteria at https://www.unitedcu.org/join-united. When you're ready to open an account and start enjoying the benefits of membership, just visit us online at https://www.unitedcu.org/join-united or give us a call at (573) 592-7600. We can't wait to welcome you into our family!

Business Banking & Commercial Services

At United, we understand that every business has unique needs and goals. Whether you're a startup looking to establish your presence or an established firm aiming for growth, our Business Banking and Commercial Services are designed with you in mind. Imagine having the capital to expand your operations, invest in new technology, or even hire additional staff. Our commercial loans can make that vision a reality. Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $13 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $10 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $2,820,262, we continue to drive economic growth by financing new and expanding businesses. Additionally, we offer robust merchant services that simplify transactions for your customers while enhancing your operational efficiency. Imagine accepting payments seamlessly through various channels whether it's online, in-store, or via mobile. Our tools ensure that managing payments is one less thing you have to worry about. Located at 1204 S Business 54 Fulton Mo 65251 in Fulton, MO, we invite you to explore how our tailored services can help you thrive. Reach out to us at (573) 592-7600 today!

Comprehensive List Of Services

ATM & Drive-Thru Services

Need cash quickly? Our ATM services are available for easy withdrawals and balance checks whenever you need them. Plus, with basic drive-thru banking options for deposits and simple transactions, getting in and out is a breeze.

Business Banking Services

If you're a business owner, you'll appreciate our comprehensive business banking services. From merchant services that make transactions easy for your customers to tailored business loans that support your growth, we have everything you need to thrive in today's competitive market.

Credit Cards & Rewards

Who doesn't love rewards? With our credit cards, you can earn points for everyday purchases. This means that every time you swipe your card, you're one step closer to exciting rewards like cash back or travel perks.

Digital Banking Convenience

In today's fast-paced world, managing finances online is essential. At United, we offer robust online and mobile banking features so you can access your accounts anytime, anywhere. You can easily check balances, transfer funds, and even make person-to-person payments with just a few taps on your smartphone.

Personal Banking Solutions

For individuals, we offer a variety of personal banking options. You can open checking and savings accounts that fit your lifestyle. Need a new car? Our auto loans and vehicle financing solutions are designed to help you drive away in your dream vehicle without breaking the bank. If you're considering buying a home, our mortgage loans and refinancing options make it easier than ever to secure the best rates available. In addition, life can sometimes throw unexpected expenses your way. That's where our personal loans and debt consolidation services come into play. We aim to provide flexible solutions that can ease your financial burdens while helping you stay on track.

Shared Branch Transactions

We also understand that convenience extends beyond our branch walls. That's why we participate in shared branch transactions with partner credit unions, allowing members to make deposits and withdrawals at various locations across the country. At United, we are committed to making banking simpler and more accessible for all our members. If you're ready to explore these services or have any questions about how we can help you achieve your financial goals, don't hesitate to reach out! Call us at (573) 592-7600 or visit us at Fulton Branch today!

Digital & Online Banking

Convenient Online Banking

With our 24/7 online banking services, you have the power to check balances, transfer funds, and pay bills from the comfort of your home or on the go. Just visit us at https://www.unitedcu.org/ to explore these features and more. Whether it's day or night, your account is always just a click away.

E-Statements for Easy Tracking

No more paper clutter! With e-statements available at United, you can view your statements digitally. This not only keeps your financial documents organized but also helps you track your spending in real-time.

Mobile Applications and Payments

Our mobile application makes banking even more accessible. You can download it easily and enjoy features like mobile payments. Now you can make purchases using your phone without fumbling for cash or cards. Plus, our person-to-person transfer service allows you to send money to friends and family quickly and securely.

Security and Convenience

While convenience is key, so is security. We prioritize safeguarding your data with robust measures in place. Although we currently don't offer electronic signature authorization, rest assured that each transaction is designed to keep your information safe. In summary, United offers a suite of digital banking tools tailored for today's busy lifestyle. Access everything you need securely and conveniently because managing your money should be simple!

Financial Strength

A Dedicated Team at Your Service

We take pride in having 87 full-time employees and 8 part-time employees who are always ready to serve you with a knowledgeable, committed team. We believe that having a strong workforce allows us to provide exceptional service tailored to your needs. With net shares available for lending and investments amounting to $903,179, along with 55,973 total share accounts reflecting a strong and growing member base that trusts us with their finances, it's clear that at United, we are built for your success. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, United is your trusted partner. Visit us at 1204 S Business 54 Fulton Mo 65251 or call (573) 592-7600 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.

Commitment to Growth

With $41,089,650 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. We also support your financial goals with $64,670 in used auto loans and $194,702,303 in total loans and leases, empowering you to achieve your dreams. Our $0 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. You can rest easy knowing that our team is dedicated to managing your finances wisely.

Member-Centric Savings Options

Members' savings are secured through $24,899,417 in share certificates and $14,666,424 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.

Strong Financial Health

With a net worth of $42,144,900, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. This robust net worth reflects our commitment to serving our members with the utmost reliability. Our net worth ratio of $1,563 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. This means you can trust that your finances are in capable hands.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $74,197,574 in used vehicle loans and $27,991,353 in new vehicle loans already helping members get on the road. We believe that everyone deserves reliable transportation, and our flexible terms make it easier for you to drive away in your dream vehicle.

Business Financing

For business owners, our outstanding commercial loans totaling $2,820,262 provide the capital needed to grow and expand. Whether you're looking to invest in equipment or cover operating costs, our team is ready to support your business journey.

Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $8,289,561 in loans helping members manage their finances effectively. These cards are designed for your everyday needs, allowing you the freedom to make purchases while keeping your budget in check.

Credit Lines

If you're looking for a line of credit to help manage cash flow or unexpected expenses, our total credit lines amounting to $31,631,693 are tailored just for you. This option gives you access to funds when you need them most without the hassle of applying for a new loan every time. At United, we're committed to helping you find the right loan product that fits your needs. If you're interested in refinancing or exploring eligibility options for any of these products, please don't hesitate to reach out. You can contact us at (573) 592-7600 during our operating hours: Monday through Thursday from 8:30 AM to 5:00 PM, Friday from 9:00 AM to 6:00 PM, and Saturday from 9:00 AM to 12:00 PM (drive-up only). Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Visit us today or check out our website at https://www.unitedcu.org/ for more information on how we can assist you with all your lending needs!

Mortgage Options

Thinking about homeownership? Our mortgage options make buying or refinancing simple. Although we currently do not offer Junior Lien 1-4 Family Residential Properties loans, we're here to provide guidance on various alternatives and help you explore other pathways to homeownership.

Loan Aggregator

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How LendMesh Ensures Accurate Loan Comparisons

LendMesh prides itself on transparency and reliability. 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), ensuring fair and transparent offers. This commitment to accurate sourcing means you can trust the information you receive.

United

Type of Loan Offerings

Home Equity Loans

Mortgage Loans

Personal Loans

Student Loans