United Credit Union Vandalia MO | Affordable Auto Loans & ATM Access

Introduction

Welcome to United, your trusted financial partner located at 210 W Washington St, Vandalia, MO 63382. Established in 1935, our credit union has been a cornerstone of the community for nearly nine decades, providing reliable banking services tailored to meet the needs of our 28,138 members. With a robust total asset base of $268,571,399 and total deposits amounting to $16,865,612, we are committed to fostering financial growth and stability for our members. At United, we believe that everyone deserves access to quality financial services. Our dedicated team of 95 employees, led by CEO Brent Sadler and Board President Patrick Donovan, is here to assist you every step of the way. We offer a range of products including personal banking accounts, auto loans, mortgages, and business loans all designed with your best interests in mind. While members can visit us at our Vandalia location for all their banking needs, official correspondence should be sent to the same address: 210 W Washington St, Vandalia, MO 63382. With a net worth of $42,144,900 and cash in hand totaling $5,891,257, United stands strong as a reliable institution ready to serve you. Whether you're looking for loans or simple banking transactions, we have the tools and expertise to help you achieve your financial goals. We invite you to explore our services further at unitedcu.org or give us a call at 573-594-6103. Let's embark on this journey together towards a brighter financial future!

Branch History & Mission

Welcome to United, a credit union with a rich history and a heartfelt mission dedicated to serving the community of Vandalia, MO. Established in 1935, our branch has been a cornerstone of financial support for generations, evolving alongside our members' needs while maintaining our commitment to exceptional service. Located at 210 W Washington St, Vandalia, MO 63382, our branch is not just a place for banking; it's a hub where community connections flourish. Over the years, we've grown significantly, now proudly serving 28,138 members with total assets reaching an impressive $268,571,399. This growth reflects our unwavering dedication to providing valuable financial services that empower individuals and families alike. Our mission is simple yet impactful: to provide accessible financial solutions while fostering community well-being. We understand that each member has unique needs and dreams. Whether you're looking for personal banking options like checking and savings accounts or need assistance with auto loans and mortgages, we are here to support you every step of the way. In addition to traditional banking services, we've embraced digital advancements to enhance your experience. With features like online banking and mobile payments, managing your finances has never been easier. Our commitment to accessibility also includes ADA compliance and services for all members of our community. At United, we believe in giving back. Our partnerships with local organizations and outreach efforts ensure that we remain engaged in making Vandalia a better place for everyone. We strive not only to be your financial partner but also a positive force within our community. While members can visit us at 210 W Washington St, official correspondence should be sent to the same address as our mailing address remains unchanged. You can reach us at 573-594-6103 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-thru only). We invite you to join us at United Credit Union and discover how we can help you achieve your financial goals. Experience the benefits of being part of a cooperative that truly values its members and their dreams. Together, let's build a brighter future for our community!

Branch Location & Accessibility

Accessibility and Parking

Accessibility is important to us! Our branch features ADA-compliant facilities, including ramps and designated parking spots to ensure everyone can access our services easily. Ample parking is available right outside the entrance, so you won't have to worry about finding a spot.

Get In Touch

If you have any questions or would like more information about our services, feel free to call us at 573-594-6103. We're always happy to help! Stop by the United Vandalia Branch today and discover how we can assist you in reaching your financial goals. We look forward to seeing you soon!

Operating Hours

We understand that life gets busy, which is why we offer flexible banking hours to accommodate your schedule. Our lobby is open 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 until noon for drive-thru service only.

Services Offered

At the United Vandalia Branch, we offer a variety of services designed with you in mind. From personal banking options like checking and savings accounts to auto loans and mortgages, our knowledgeable team is ready to help you every step of the way. If you prefer the convenience of digital banking, we also provide online and mobile banking services for managing your accounts anytime, anywhere. For those who need quick transactions, our drive-thru service makes it easy for you to conduct basic banking activities without leaving your vehicle. We also participate in shared services, allowing members of partner credit unions to perform transactions here.

Member Eligibility

At United, we believe in creating a community where everyone can thrive. If you're interested in becoming a member, it's easier than you might think! To join us at our welcoming branch located at 210 W Washington St Vandalia Mo 63382, you simply need to meet some basic eligibility requirements. Generally, anyone who lives, works, worships, or attends school in the area is invited to become part of our family. Our mission is to support your financial journey with personalized service and a range of benefits designed just for you. For more detailed information on eligibility criteria, feel free to check out our resource at https://www.unitedcu.org/join-united. Opening an account is just as straightforward! You can start the process by visiting our website at https://www.unitedcu.org/join-united, or if you prefer talking to someone directly, give us a call at (573) 594-6103. We're here to help you every step of the way and look forward to welcoming you into the United community!

Business Banking & Commercial Services

Lending Solutions

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.

Merchant Services

In addition to loans, we offer merchant services that help streamline your payment processes. Picture a local café using our services to accept credit cards effortlessly or a retail store managing transactions smoothly during busy seasons. Our solutions not only save time but also enhance customer satisfaction. Whether you're in Vandalia or beyond, let United be your partner in success. Visit us at 210 W Washington St Vandalia Mo 63382 or give us a call at (573) 594-6103 to learn more about how we can support your business journey today!

Comprehensive List Of Services

Business Banking Essentials

For local business owners, we provide tailored business banking services, including merchant services and business loans. This support helps you manage your finances effectively while growing your business.

Convenient Digital Banking

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking features. You can check balances, transfer funds, and even make payments right from your phone or computer whenever it suits you. Our ATM services ensure that you have access to cash whenever needed without hassle.

Credit Cards and Rewards

Our credit cards with rewards give you more than just a way to pay; they allow you to earn points on everyday purchases. Imagine enjoying cashback or travel rewards simply by using your card for regular expenses!

Drive-Thru and Shared Branch Transactions

If you prefer face-to-face interactions, our branch includes a basic drive-thru banking service for quick deposits and withdrawals. Additionally, as part of our commitment to convenience, we offer basic shared branch transactions, allowing members of partner credit unions to conduct simple deposits and withdrawals right here at United.

Get in Touch!

With so many ways to manage your finances conveniently and effectively, we're here to support all your financial needs at United in Vandalia. If you'd like more information about any of our services or want to speak with one of our friendly representatives, don't hesitate to call us at 573-594-6103 or visit us in person! Join us today by exploring more about becoming a member here. Your journey towards better financial health starts now!

Personal Banking Solutions

Our personal banking services are designed with you in mind. Whether you're looking to open a checking or savings account for daily transactions or saving for future goals, we have options that suit every need. For those considering purchasing a new vehicle, our auto loans and vehicle financing make it easy to drive away in the car you've always wanted without breaking the bank. When it comes to homeownership, our mortgage loans and refinancing options can guide you through the process smoothly. We also offer personal loans for unexpected expenses or debt consolidation to help simplify your financial obligations.

Digital & Online Banking

Key Features

Our mobile application offers an easy way to keep track of your accounts right from your smartphone. Need to make a quick payment? Our mobile payments feature lets you send money swiftly and securely. Plus, with person-to-person transfers, sharing expenses with friends or family is simple and hassle-free. For those who prefer going paperless, we provide e-statements that allow you to view your account statements digitally. This not only helps reduce clutter but also enhances security by keeping sensitive information out of the mailbox. And while we don't currently support electronic signature authorization, we're always working to improve our services for our members.

Security and Accessibility

Your security is our top priority. We use advanced encryption technologies to protect your personal information so that you can bank with peace of mind. Our user-friendly interface makes it easy for everyone from tech-savvy individuals to those who are new to online banking to navigate their accounts effortlessly. In summary, United is committed to providing accessible, secure, and efficient digital banking solutions that cater to your needs. Experience the convenience of modern banking today!

Financial Strength

Committed Team

With 87 full-time employees and 8 part-time employees, our branches are always ready to serve you with a knowledgeable and committed team. We understand that personal service makes a difference in your banking experience.

Growing Membership Base

We currently have 55,973 total share accounts, showing a strong and growing member base that trusts us with their finances. This trust drives us to continuously improve our services for everyone who walks through our doors. 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 210 W Washington St Vandalia Mo 63382 or call 573-594-6103 to learn more about how we can help you achieve your financial goals.

Investments in Growth

We have $41,089,650 in undivided earnings, which we reinvest into innovative banking tools and stronger lending options. This commitment helps us enhance security measures while serving you better.

Lending Capacity

Our lending capacity is robust with $64,670 in used auto loans and $194,702,303 in total loans and leases, supporting your financial goals across various sectors. We take pride in ensuring our members have access to the funds they need for important purchases or investments.

Member-Centric Savings

Your savings are well-protected with $24,899,417 in share certificates and $14,666,424 in money market shares, offering you stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With no non-member deposits to divert resources away from you, we focus entirely on benefiting our members through better loan rates and exclusive perks.

Operational Efficiency

Our operational efficiency is reflected in our ability to generate a net income of $0 this year. This means that we focus on keeping costs low while providing quality service rather than maximizing profits at your expense.

Solid 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. Our net worth ratio of 15.63% 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 $74,197,574 in used vehicle loans and $27,991,353 in new vehicle loans already helping members get on the road. We provide financing options that cater to your budget and lifestyle.

Business Financing

For business owners, our outstanding commercial loans totaling $2,820,262 provide the capital needed to grow and expand. We understand how vital it is for businesses to have access to funding that allows them to thrive.

Credit Lines and Personal Loans

In addition to our auto and mortgage offerings, we have credit lines available totaling $31,631,693, which can be a great option if you need extra flexibility in your spending. These lines can help cover unexpected expenses or fund personal projects without the hassle of applying for multiple loans. If you're considering refinancing any existing loans or would like to explore eligibility options for our various products, please reach out to us at (573) 594-6103. Our dedicated team at United, located at 210 W Washington St Vandalia Mo 63382, Vandalia, MO, is ready to assist you in finding the best financial solution tailored just for you. 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 partner with you on your financial journey!

Mortgage Loans

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 can guide you through various alternatives that may fit your needs.

Unsecured 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 come with competitive rates and rewards that enhance your purchasing power without breaking the bank.

Loan Aggregator

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United

Type of Loan Offerings

Home Equity Loans

Mortgage Loans

Personal Loans

Student Loans

Introduction

Branch History & Mission

Branch Location & Accessibility

Accessibility and Parking

Get In Touch

Operating Hours

Services Offered

Member Eligibility

Business Banking & Commercial Services

Lending Solutions

Merchant Services

Comprehensive List Of Services

Business Banking Essentials

Convenient Digital Banking

Credit Cards and Rewards

Drive-Thru and Shared Branch Transactions

Get in Touch!

Personal Banking Solutions

Digital & Online Banking

Key Features

Security and Accessibility

Financial Strength

Committed Team

Growing Membership Base

Investments in Growth

Lending Capacity

Member-Centric Savings

Operational Efficiency

Solid Financial Health

Loan Offering

Auto Loans

Business Financing

Credit Lines and Personal Loans

Mortgage Loans

Unsecured Credit Card Loans

Loan Aggregator

Benefits of Using LendMesh

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