Vacationland Credit Union Vermilion OH | Best Auto Loans & Business Banking

Introduction

At Vacationland, we pride ourselves on being more than just a financial institution; we are a cornerstone of the Vermilion community. Nestled at 1607 State Rd 60, Vermilion, OH 44089, our branch has been serving members since 1956. With a commitment to personal service and community involvement, we strive to provide our members with the tools they need to achieve their financial goals. As of now, we proudly support over 20,768 members with assets totaling an impressive $301,496,848. Our focus is not only on banking but also on building relationships that foster trust and reliability. Whether you are looking for personal banking options like checking accounts and auto loans or business services such as merchant services and business loans, we've got you covered. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to 1607 State Rd # 60, Vermilion, OH 44089. Our dedicated team of 70 employees, led by CEO Bryan Myers and Board President Jude Hammond, is here to assist you Monday through Friday from 9 AM to 5 PM and Saturday from 8:30 AM to 12 PM. With total deposits reaching $13,767,838 and a net worth of $38,632,787, Vacationland is in a strong position to offer competitive rates on loans and deposits. We have facilitated over 12,419 loans and leases for our members helping them achieve their dreams one step at a time. We invite you to explore how Vacationland can be your trusted partner in financial success. For more information or to start your journey with us today, feel free to call us at 419-625-9025 or visit our website at https://www.vlfcu.org . Join us in making a positive impact in our community!

Branch History & Mission

Commitment to Community

We take pride in being more than just a financial institution. Through various partnerships and outreach efforts, we strive to uplift our community by supporting local initiatives and fostering economic growth. Our shared service center further expands access for members who may need additional resources.

Join Us

As we continue this journey together, we invite you to become part of the Vacationland family. Experience the difference that comes from being a member-driven credit union dedicated to your success. Visit us during our operating hours Monday through Friday from 9 AM - 5 PM and Saturday from 8:30 AM - 12 PM or reach out at 419-625-9025 for more information. Together, let's build a brighter future!

Mission Statement

At Vacationland, our mission goes beyond just banking; it's about building lasting relationships within our community. We aim to empower individuals and families through personalized financial solutions whether it's personal loans for life's big moments or business banking for local entrepreneurs. We believe in giving back and actively participate in community outreach programs to support those in need. While you can visit us at our branch for all your banking needs including drive-thru service and ATM access official correspondence should be sent to our mailing address: 1607 State Rd # 60, Vermilion, OH 44089, if different.

Our Evolution

Starting as a local initiative to help residents with their financial needs, Vacationland has continuously evolved to meet the changing demands of our community. Our branch is conveniently located at 1607 State Rd 60, Vermilion, OH 44089, near key landmarks that many locals know well. Since our inception, we have focused on providing accessible and affordable financial services tailored to our members' needs. As we expanded our offerings, we embraced technology to improve member experiences. Today, you can enjoy online banking services, mobile payments, and secure transactions all designed with your convenience in mind. Our commitment to being ADA compliant ensures that everyone can access our services comfortably.

Branch Location & Accessibility

Welcome to Vacationland, your friendly neighborhood credit union located at 1607 State Rd 60, Vermilion, OH 44089. Situated in the heart of Erie County, our branch is easily accessible for all members and visitors. Whether you're stopping by for personal banking or to explore our loan options, we're here to make your experience smooth and enjoyable. Our location is conveniently positioned near local landmarks, making it easy to find us while you're out and about. Plus, we offer ample parking for your convenience. Our facility is designed with accessibility in mind, featuring ADA-compliant ramps and entrances so everyone can visit us without hassle. At Vacationland, we value your time. Our lobby hours are welcoming: Monday through Friday from 9 AM to 5 PM and Saturday from 8:30 AM to 12 PM. If you prefer banking from the comfort of your vehicle, take advantage of our drive-thru service for quick deposits or withdrawals without leaving your car. Need cash on the go? Our ATM is readily available for all your cash withdrawal needs. And if you're a member of a partner credit union, you can also use our shared services center for basic transactions like deposits and withdrawals. For any questions or assistance, feel free to reach out at 419-625-9025. We invite you to visit us soon and discover how we can help meet your financial needs!

Member Eligibility

Joining the family at Vacationland is as easy as it gets, and we're excited to welcome you! To become a member of our community, you just need to meet a few simple eligibility requirements. Generally, anyone who lives, works, worships, or attends school in the area can join us. We believe in making banking accessible for everyone, so if you're looking for a supportive place where your needs are prioritized, you'll feel right at home here. For full details on eligibility criteria, visit us at https://www.vlfcu.org/become-a-member/ . If you're ready to take the next step towards membership or have any questions, don't hesitate to reach out! You can give us a call at (419) 625-9025, or start your application process online by visiting https://forms.joinmycu.com/mop/197/apply . We can't wait for you to experience the benefits of being part of Vacationland, located at 1607 State Rd 60 Vermilion Oh 44089!

Business Banking & Commercial Services

Merchant Services that Make Transactions Easy

Imagine running your shop and being able to accept payments effortlessly from customers. Our merchant services provide you with the tools to do just that accept credit cards, manage transactions smoothly, and keep your cash flow steady. This means less time worrying about finances and more time focusing on what you do best: serving your customers. Located at 1607 State Rd 60 Vermilion Oh 44089 in Vermilion, OH, our team is ready to partner with you on your journey. Contact us at (419) 625-9025 to learn more about how we can help your business thrive!

Tailored Loan Options for Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $171 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $8 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $35,446,588, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

ATM and Drive-Thru Services

Need cash on the go? Our ATM services allow for quick withdrawals and balance checks whenever you need them. We also have basic drive-thru banking available for deposits, withdrawals, and simple transactions perfect for those busy days when getting out of the car isn't an option.

Business Banking

For entrepreneurs and small business owners, Vacationland has got you covered too! Our business banking services include everything from merchant services for easy transactions to tailored business loans that help you grow and thrive in today's competitive market.

Convenient Digital Banking

In this fast-paced world, convenience matters. That's why we prioritize digital banking features. With our online and mobile banking, managing your accounts is easier than ever. You can check balances, transfer funds, or pay bills right from your smartphone or computer. Plus, we offer features like mobile payments and person-to-person transfers so you can send money securely in seconds.

Personal Banking

We understand that managing your personal finances is essential. That's why we offer personal banking services like checking and savings accounts that help you keep track of your money while earning interest. If you're planning to buy a car, our auto loans and vehicle financing options can make that dream a reality without straining your budget. For those considering homeownership, we provide mortgage loans and refinancing solutions designed to fit various financial situations. And if life throws unexpected expenses your way, our personal loans and debt consolidation services can give you the financial flexibility you need. Plus, enjoy rewards with our credit cards, offering perks that make everyday spending more rewarding.

Shared Branching Services

If you're traveling or away from home, don't worry! Vacationland offers shared branch transactions for partner credit union members, making it easy to access your funds no matter where you are. At Vacationland in Vermilion, OH, we're committed to providing accessible financial solutions tailored just for you. For any inquiries or to learn more about how we can assist with your financial journey, don't hesitate to reach out at 419-625-9025 or visit us online at vlfcu.org. Join us today and discover how we can help make your financial dreams a reality!

Digital & Online Banking

Easy Access to Your Accounts

Our online banking services at https://www.vlfcu.org/ allow you to check your account balances, pay bills, and transfer funds all with just a few clicks. Enjoy 24/7 access to your accounts, so you can handle your banking needs whenever it suits you. Whether it's early in the morning or late at night, our online services are always available.

Go Mobile

Stay connected with our mobile application! It provides all the features you love about online banking but tailored for your smartphone or tablet. Plus, if you're someone who prefers making payments with just a tap, our mobile payments feature makes transactions as easy as it gets.

Secure and Efficient Transactions

We take your security seriously. With electronic signature authorization available, signing documents is quick and secure. You can also opt for e-statements to receive your financial statements electronically saving trees while keeping you informed! Need to send money to a friend? Our person-to-person transfer feature allows you to do just that with ease and peace of mind. With these user-friendly tools at Vacationland, managing your money has never been simpler or more secure. Experience the convenience of modern banking today!

Financial Strength

Commitment to Growth

With $37,112,322 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is impressive with $3,442 in used auto loans and $186,866,521 in total loans and leases, supporting members' financial goals across various sectors. Our operational efficiency is highlighted by our $1,345,711, which enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 70 full-time employees and 0 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Member-Centric Savings

Members' savings are secured through $54,290,190 in share certificates and $28,040,191 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $2,342,267, 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 $38,632,787, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,281 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Trustworthy Partnership

Net Shares (Funds available for lending and investments): $6,299. Total Share Accounts: 46,949, showing a strong and growing member base that 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, Vacationland is your trusted partner. Visit us at 1607 State Rd 60 Vermilion Oh 44089 or call (419) 625-9025 to learn more about how we can help you achieve your financial goals.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $57,038,170 in used vehicle loans and $34,072,898 in new vehicle loans already helping members get on the road. We provide financing options for both new and used vehicles, ensuring you have access to reliable transportation without breaking the bank.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $18,610,216, make buying or refinancing simple. We offer various mortgage plans that cater to different income levels and situations. Our experienced team is here to guide you through every step of the process.

Other Loan Options

In addition to auto and mortgage loans, we also offer credit lines with a total value of $42,626,925, providing you with additional flexibility when it comes to funding unexpected costs or managing cash flow. For business owners looking for growth opportunities, our outstanding commercial loans totaling $35,446,588 provide the capital needed to expand operations or invest in new ventures. If you're considering refinancing any existing loans or want to explore eligibility options for our various loan products, feel free to contact us at 419-625-9025. Our team is ready to help you navigate through your 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. Visit us at our branch located at 1607 State Rd 60 Vermilion OH 44089, or check out our website here for more information on how we can assist you in reaching your financial goals!

Unsecured Credit Card Loans

Managing everyday expenses can be easier with our unsecured credit card loans. With a total of $7,182,448 in loans helping members effectively manage their finances, we provide flexible terms that allow you to focus on what matters most your daily life.

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VACATIONLAND FEDERAL CREDIT UNION - Vermilion, OH