Urbana Municipal Employees Credit Union Urbana IL | Affordable Auto Loans & Top Checking Accounts

Introduction

Welcome to Urbana Municipal Employees, your trusted financial partner right here in Urbana, IL! Established in 1950, we have proudly served our community for over seven decades, offering reliable banking solutions tailored to meet the unique needs of our members. With a total membership of 774 and assets amounting to an impressive $4,254,787, we are dedicated to helping you achieve your financial goals. At our Main Office, located at 1606 Willow View Rd Ste 1O, Urbana, IL 61802, we provide a variety of services that include personal banking options like checking and savings accounts, auto loans, mortgages, and business banking solutions. Our commitment to exceptional service is reflected in our strong net worth of $601,598 and total deposits totaling $271,735. Led by our CEO Cathy Graver and Board President Deborah Bosch-Whitt, our small but dedicated team of two employees is focused on creating a welcoming environment where you can feel confident about your financial decisions. We believe in building lasting relationships with our members and strive to make every interaction a positive one. While you can visit us at our branch for all your banking needs during our lobby hours from Monday to Friday, 9 AM to 3 PM, we also encourage you to check out our website at http://umecu-urbana.com for more information or to get in touch with us directly at (217) 337-0240. Whether you're looking for help with loans where we currently manage a total of 415 loans or seeking advice on savings strategies, Urbana Municipal Employees is here for you. Join us today and experience the difference that comes from being part of a community-focused credit union!

Branch History & Mission

Looking Ahead

As we continue into the future, Urbana Municipal Employees remains dedicated to embracing new technologies and customer-centric initiatives. Although we currently do not offer ATM services or drive-thru banking, we are committed to exploring options that enhance convenience for our members. Your feedback is invaluable as we adapt our services to better serve you. We invite you to join us on this journey whether you're looking for checking accounts, auto loans, or simply want guidance on managing your finances. Experience firsthand the benefits of being part of a credit union that truly cares about its members and their community. Reach out today at (217) 337-0240 or visit us online at http://umecu-urbana.com . Together, let's build a stronger financial future!

Our Journey

The story of Urbana Municipal Employees began in the heart of Urbana, where a small group of municipal employees sought to create a cooperative that could provide accessible financial services tailored to their unique needs. Since our inception, we have evolved significantly. From humble beginnings, we've expanded our offerings to include personal banking, auto loans, mortgage financing, and business banking services. Each milestone reflects our dedication to meeting the diverse financial needs of our community. Our branch is conveniently located near various local landmarks, making it easy for you to visit us during our operating hours: Monday through Friday from 9 AM to 3 PM. While members can visit us at 1606 Willow View Rd Ste 1O, official correspondence should be sent to the same address.

Our Mission

At Urbana Municipal Employees, our mission is simple yet profound: we aim to provide exceptional financial services while uplifting our community. We believe in the power of cooperation and support, ensuring that every member has access to the resources they need for financial success. Our focus on personal relationships means that we prioritize your unique circumstances and work alongside you as a trusted advisor. We are proud not only of our financial services but also of our commitment to community outreach. Through partnerships with local organizations and initiatives aimed at improving the lives of residents in Urbana and beyond, we strive to make a meaningful impact where it matters most.

Branch Location & Accessibility

Accessibility Features

At Urbana Municipal Employees, we prioritize accessibility for all members. Our branch is ADA compliant, featuring ramps and designated parking spaces to ensure easy access for everyone. You can visit us without worrying about parking; we have ample space available.

Call to Action

We invite you to visit us at Urbana Municipal Employees! Whether you're a current member or considering joining our credit union family, stop by today or give us a call at 217-337-0240. Experience how easy and enjoyable banking can be with us!

Operating Hours

We understand that your time is valuable. That's why we're open Monday through Friday from 9 AM to 3 PM, allowing you plenty of opportunities to take care of your banking needs during the week. Whether you're stopping by for personal banking services like checking and savings accounts or exploring options for auto loans and mortgages, our dedicated staff is ready to assist you.

Services Offered

While you're here, take advantage of the various services we offer. From personal loans to business banking solutions, we cater to diverse financial needs within our community. Although we currently do not have an ATM or drive-thru service available at this location, our friendly team is always on hand to help with cash withdrawals and other transactions right inside the branch.

Member Eligibility

Becoming a member of Urbana Municipal Employees is like joining a close-knit family where your financial well-being is the priority. If you live or work in Urbana, Illinois, you're already on the path to membership! Our welcoming community is open to city employees and their families, creating a strong support system for everyone involved. Membership brings you not just access to a variety of personal banking services, including checking and savings accounts, auto loans, and more, but also the opportunity to participate in decisions that affect our community. Getting started is simple! You can visit us at our branch located at 1606 Willow View Rd Ste 1O Urbana Il 61802 or give us a call at (217) 337-0240 for any questions. For detailed eligibility criteria and updated information, check out our resource page here. We look forward to welcoming you into the Urbana Municipal Employees family!

Business Banking & Commercial Services

At Urbana Municipal Employees, we understand that every business has unique needs and dreams. Whether you're launching a startup or looking to expand your established company, our business banking services can help you thrive. Imagine securing the funding that allows you to purchase new equipment or hire additional staff this is what our commercial loans aim to support. Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. While we currently have $0 in member commercial loans and $0 in non-member commercial loans, we are dedicated to building our offerings to better serve the local business community. Additionally, we offer tailored merchant services that simplify payment processing for your business. Picture having the ability to accept various payment methods effortlessly, enhancing customer satisfaction and streamlining your operations. At Urbana Municipal Employees, we're here to help you navigate these crucial financial decisions so your business can flourish right here in Urbana, IL. For more information about how we can support your business journey, feel free to reach out at (217) 337-0240.

Comprehensive List Of Services

Auto Loans & Vehicle Financing

If you're planning to purchase a new car or refinance your existing auto loan, our auto loans and vehicle financing options can help get you on the road faster. We offer competitive rates that fit within your budget. Picture driving away in your dream car without the stress of high payments weighing you down.

Business Banking

For our entrepreneurial members, we provide comprehensive business banking solutions. From merchant services that make accepting payments easier to business loans that help fund your next big project, we've got your back as you grow your business.

Credit Cards with Rewards

Maximize your spending power with our credit cards with rewards program. You can earn points on everyday purchases that translate into cash back or travel rewards. It's like getting paid for spending on things you already buy!

Mortgage Loans & Refinancing

Buying a home is one of the most significant decisions you'll make. With our mortgage loans and refinancing services, we aim to make this process smoother for you. Whether you're a first-time homebuyer or looking to refinance an existing mortgage for better terms, we're here to guide you every step of the way.

Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking features that allow you to manage your accounts anytime, anywhere. Check balances, transfer funds, and pay bills right from your smartphone or computer no need for long trips to the bank. While we currently do not have ATM services available at this branch location, our commitment remains focused on offering exceptional customer service during our operating hours from Monday through Friday from 9 AM to 3 PM. For any questions or additional information about our services, feel free to reach out at (217) 337-0240. At Urbana Municipal Employees, we're excited to support you in achieving your financial goals! Visit us today or check out more about what we offer on our website: Main Office.

Personal Banking

We understand that managing your finances can be challenging. That's why we offer personal banking services, including checking and savings accounts. Imagine having the peace of mind knowing your money is safe while earning interest on your savings. Our accounts are designed with you in mind, allowing easy access to your funds when you need them.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses at us, and having a financial cushion is essential. Our personal loans and debt consolidation services are tailored to help you manage those costs effectively. Imagine consolidating multiple debts into one manageable payment, reducing both stress and interest rates.

Digital & Online Banking

Mobile Banking Features

While we don't have a dedicated mobile application yet, our website is fully optimized for mobile use. This means you can access your account right from your smartphone or tablet without any hassle. Imagine being able to handle your banking tasks during a coffee break or while waiting in line!

Online Banking Services

With our online banking platform, accessible at http://www.umecu-urbana.com/ , you can easily check your account balance, review transactions, and transfer funds all from the comfort of your home or on the go. Although we currently do not offer features like electronic signature authorization or e-statements, we are committed to providing an easy-to-navigate experience for our members.

Person-to-Person Transfers

Currently, person-to-person transfers are not available at Urbana Municipal Employees. However, we continually strive to improve our services to meet your needs better. We value your feedback and encourage you to share any features you would like us to consider in the future.

Security and Support

We prioritize the security of your information. Although some advanced features like mobile payments are not available at this time, rest assured that any transactions made through our online services are protected with robust security measures. Whether you're managing day-to-day expenses or planning for future goals, our digital banking tools aim to provide you with flexibility and peace of mind. Stay connected with us and enjoy a straightforward banking experience at Urbana Municipal Employees!

Financial Strength

Committed Team

We also take pride in having 2 full-time employees and 0 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Our dedicated staff is here to assist you every step of the way. Total Share Accounts stand at 839, showing a strong and growing member base that trusts us with their finances. Our success is built on the trust of our members, and we work hard every day to maintain that trust. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Urbana Municipal Employees is your trusted partner. Visit us at 1606 Willow View Rd Ste 1O Urbana Il 61802 or call (217) 337-0240 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.

Investing Back into the Community

With $537,317 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our focus is always on improving your experience with us while maintaining our financial strength. Our lending capacity supports members' financial goals across various sectors. We have $97 in used auto loans and $3,489,444 in total loans and leases available to help you secure the financing you need for important purchases.

Secured Savings Opportunities

Members' savings are secured through $1,181,823 in share certificates, offering stable and rewarding financial growth opportunities. These options allow you to grow your savings securely while enjoying the benefits of being part of our community-focused credit union. 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. This commitment to member service sets us apart.

Strong Financial Health

With a net worth of $601,598, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. This level of net worth signifies our ability to support you and your financial goals effectively. Our net worth ratio of $1,414 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 that you can rely on us as a stable partner in your financial journey.

Loan Offering

At Urbana Municipal Employees, we understand that everyone has unique financial needs. That's why we offer a variety of loan products designed to help you reach your goals. Whether you're looking for a new car, a reliable used vehicle, or even considering homeownership, we've got options tailored just for you. With over 415 loans issued, we've helped thousands of members achieve their financial goals. Our auto loans are particularly popular; looking to buy a new car? Our competitive rates have already facilitated $983,489 in new vehicle loans and $1,379,915 in used vehicle loans, ensuring our members can hit the road with confidence. If you're thinking about homeownership, our mortgage options make buying or refinancing simple. While we currently do not offer Junior Lien 1-4 Family Residential Properties loans, we encourage you to check back as we regularly update our offerings. Additionally, we provide flexible terms on unsecured credit card loans. Though currently there are no unsecured credit card loans issued, we are committed to helping our members manage their finances effectively when these options become available. Our branch is located at 1606 Willow View Rd Ste 1O Urbana IL 61802, and you can reach us at (217) 337-0240 for any inquiries regarding eligibility or refinancing options. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. We look forward to assisting you in finding the right loan product that fits your needs!

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: All loan offers come from legitimate financial institutions, ensuring transparency in what you see. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: With up-to-date loan rates from multiple institutions, users can make informed decisions without delay. 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!" Take the guesswork out of 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.*

Ensuring Accurate Comparisons

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 means you get fair and transparent offers every time you compare loans.

URBANA MUNICIPAL EMPLOYEES CREDIT UNION