Waterloo Firemen's Credit Union IA | Affordable Vehicle Loans & Business Banking

Introduction

At Waterloo Firemen's Credit Union, we believe in building strong connections with our members and community. Located at 425 E 3Rd St, Waterloo, IA 50703, our credit union has been a trusted financial partner since 1933. With a rich history of serving the community, we have grown to support 328 members, offering personalized services that cater to your unique financial needs. With total assets of $2,687,645 and total deposits reaching $391,670, we pride ourselves on our sound financial footing. Our dedicated team is led by CEO Lauren Peters and Board President Christopher Linder, who are committed to ensuring that every member experiences exceptional service and support. We offer a variety of services, including personal banking options like checking and savings accounts, auto loans, mortgage loans, and credit cards with rewards. Whether you need help with personal financing or business banking solutions, our knowledgeable staff is here to assist you. While you can visit us at our branch for all your banking needs, please note that any official correspondence should be sent to the same address: 425 E 3rd St, Waterloo, IA 50703. Come see how we can make a difference in your financial journey! Feel free to reach out to us at (319) 236-3803 or stop by during our lobby hours on Monday, Wednesday, and Friday from 8:00 a.m. to 10:00 a.m. We look forward to welcoming you into the Waterloo Firemen's family!

Branch History & Mission

At Waterloo Firemen's Credit Union, we take pride in our rich history and unwavering commitment to our members and community. Established in 1933, our credit union has stood the test of time, growing from a small financial institution to a trusted partner for over 328 members in Waterloo, IA. Nestled at 425 E 3rd St, our branch is conveniently located near local landmarks that enhance accessibility for our valued members. Over the decades, we have continuously evolved to meet the changing needs of our community. With total assets reaching an impressive $2,687,645, we strive to provide a wide range of financial services tailored to help our members achieve their goals. From personal banking solutions such as checking and savings accounts to auto loans and business financing options, we are dedicated to supporting the financial well-being of every member. Our mission is simple yet impactful: to empower individuals and families through exceptional financial services while fostering a strong sense of community. We believe that everyone deserves access to quality banking options without compromising service or support. Our team works diligently to ensure each member feels valued and understood, offering personalized guidance every step of the way. While members can visit us at 425 E 3Rd St Waterloo Ia 50703, official correspondence should be sent to 425 E 3rd St, Waterloo, IA 50703. We understand that convenience is crucial, which is why we offer lobby hours on Monday, Wednesday, and Friday from 8:00 a.m. to 10:00 a.m., ensuring you can reach us when it matters most. As technology advances, we remain committed to enhancing our digital services while ensuring compliance with ADA standards. Although we currently do not have ATM availability or drive-thru services, we are focused on improving customer experiences through online and mobile banking initiatives in the future. Community outreach is also at the heart of what we do. We actively seek partnerships with local organizations and participate in events that uplift our neighborhood. By investing in our community, we reinforce our mission of being more than just a credit union; we aim to be a cornerstone for growth and support. Join us at Waterloo Firemen's Credit Union and discover the benefits of becoming a member today! Experience firsthand how we can help you navigate your financial journey with confidence and care. For any inquiries or assistance, feel free to contact us at (319) 236-3803 we're here for you!

Branch Location & Accessibility

Convenient Access

At Waterloo Firemen's, we understand that your time is valuable. That's why we offer dedicated parking right outside our branch, so you can quickly pop in without the hassle of searching for a spot. Our facility is fully ADA compliant, ensuring that all members of our community can access our services comfortably.

Operating Hours

We're here for you during our lobby hours on Monday, Wednesday, and Friday from 8:00 a.m. to 10:00 a.m., ready to assist you with everything from opening new accounts to discussing loan options. If you have any questions or need assistance outside of these hours, feel free to give us a call at 319-236-3803; we're always happy to help!

Services Offered

While you're here, take advantage of our wide range of personal banking services including checking and savings accounts, auto loans, mortgage options, and credit cards with rewards. We also provide business banking solutions for those looking to manage their finances more effectively. Although we currently do not have ATM availability or drive-thru services at this location, our staff is committed to providing personalized service that meets your needs. While members can visit us at 425 E 3Rd St Waterloo Ia 50703, official correspondence should be sent to 425 E 3rd St, Waterloo, IA 50703. Come see how Waterloo Firemen's Credit Union can help you achieve your financial goals! We look forward to welcoming you into our branch soon!

Member Eligibility

At Waterloo Firemen's, we believe that becoming a member is more than just opening an account; it's about joining a community that cares about your financial well-being. If you're looking to become part of our family, you'll be pleased to know that membership is open to those who live, work, or worship in the Waterloo area. This means whether you're a local resident, a dedicated worker, or simply someone who loves this vibrant community, you're welcome here! Joining us is easy and rewarding. As a member of Waterloo Firemen's, you'll gain access to personalized services and competitive rates designed to help you reach your financial goals. To find out more about the specific eligibility criteria and to see if you qualify, feel free to check out the details at . When you're ready to take the next step towards membership, visit us at our branch located at 425 E 3Rd St Waterloo Ia 50703 or give us a call at (319) 236-3803. We're excited to help you on your journey with us!

Business Banking & Commercial Services

Financing Options that Fuel 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. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services Tailored for You

In addition to loans, our merchant services offer practical solutions to streamline your operations. Imagine being able to accept payments quickly and securely, freeing up time and resources so you can focus on what matters most growing your business. At Waterloo Firemen's, we're dedicated to helping you thrive in a competitive market. Visit us at 425 E 3Rd St Waterloo Ia 50703 in Waterloo, IA or call us at (319) 236-3803 to learn more about how we can assist you on your business journey.

Comprehensive List Of Services

Business Banking

For our entrepreneur members, we offer comprehensive business banking services, including merchant services and business loans. We understand the challenges of running a business, so we're committed to providing tools that help your business thrive.

Credit Cards

Enjoy the benefits of our credit cards with rewards that allow you to earn while you spend. These cards are perfect for everyday purchases and can help you build credit over time while giving you added perks.

Digital Banking Convenience

In today's fast-paced world, convenience matters. That's why we provide robust online and mobile banking services that allow you to manage your accounts from anywhere. Whether checking balances or transferring funds, we ensure that banking is accessible at your fingertips. At Waterloo Firemen's, we believe in building lasting relationships with our members by delivering exceptional service. If you're interested in learning more about any of our offerings or if you have questions about how we can assist you further, don't hesitate to reach out! Call us at (319) 236-3803 or visit us during our lobby hours on Monday, Wednesday, and Friday from 8:00 a.m. to 10:00 a.m. We're excited to serve you!

Home Financing

Thinking about buying a home? Our mortgage loans and refinancing options are designed to guide you through the often complex process of home ownership. We understand that each member's situation is unique, which is why we provide personalized assistance to help you find the right mortgage solution for your needs.

Personal Banking

Whether you're looking to manage day-to-day expenses or save for future dreams, our personal banking services have you covered. We offer checking and savings accounts that cater to various lifestyles, making it easy for you to keep track of your finances. If you're planning to purchase a new vehicle, consider our auto loans and vehicle financing options. With competitive rates and flexible terms, we aim to make your car-buying experience smooth and straightforward.

Personal Loans

Life can throw unexpected expenses your way, but with our personal loans and debt consolidation services, you can tackle them head-on. Whether it's medical bills, home repairs, or other financial emergencies, we're here to support you in finding a manageable solution.

Digital & Online Banking

E-Statements and Security

Gone are the days of paper statements cluttering your mailbox. With e-statements available at Waterloo Firemen's, you can receive your account statements electronically. This not only helps reduce paper waste but also allows for secure and quick access to your financial information.

Mobile Features

Although we don't currently offer mobile payments or a dedicated mobile application, we are committed to keeping our members informed about future developments in mobile banking features. We believe that a user-friendly mobile experience will be beneficial for you.

Online Banking Services

With our online banking services, you can take control of your finances from the comfort of your own home. While we currently do not provide an online banking platform through , rest assured that we are continually exploring options to enhance your banking experience.

Person-to-Person Transfers

While person-to-person transfer options aren't available yet, we're always looking for ways to improve our service offerings. Your feedback is crucial in helping us understand what features matter most to you. At Waterloo Firemen's, our goal is to provide accessible and easy-to-use banking solutions that fit seamlessly into your life. We prioritize real-time account management so that you can make informed financial decisions when it matters most. If you have any questions about our current offerings or would like to learn more about upcoming features, don't hesitate to reach out via phone at (319) 236-3803. Your financial journey is important to us!

Financial Strength

At Waterloo Firemen's, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are proud to share the solid foundation upon which our credit union stands, offering you peace of mind as you save, borrow, and invest. With a net worth of $346,352, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,289 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $612,925 in share certificates, providing stable and rewarding financial growth opportunities. We prioritize our members over traditional banking practices; with non-member deposits at $0, we ensure that our resources focus on benefiting you through better loan rates, lower fees, and exclusive perks. With $164,091 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Our lending capacity supports your financial goals across various sectors with $70 in used auto loans and $2,039,525 in total loans and leases. Our operational efficiency is reflected in our $48,088, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 0 full-time employees and 1 part-time employees, ensuring our branch is always ready to serve you with a knowledgeable, committed team. The trust placed in us by our members is evident with a total of 373 deposit accounts. This growing member base reflects the confidence you have in Waterloo Firemen's, further solidifying our commitment to your financial well-being. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Waterloo Firemen's is your trusted partner. Visit us at 425 E 3Rd St Waterloo Ia 50703 or call (319) 236-3803 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.*

Loan Offering

Additional Services

In addition to these core loan products, we also provide personal loans and debt consolidation options, which can help streamline your finances and reduce interest costs. If you're considering refinancing, we have various eligibility options available that may suit your situation. Our commitment is to provide clear terms and competitive rates across all our lending products. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Whether you are looking to expand your horizons through vehicle purchases or manage unexpected expenses efficiently, Waterloo Firemen's stands ready to support your financial well-being with personalized service and expert guidance. Visit us today or give us a call at (319) 236-3803 to learn more about how we can assist you!

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $1,094,636 in used vehicle loans and $561,709 in new vehicle loans already helping members get on the road. We cater to both new and used vehicles, ensuring that you find the right financing option that suits your budget.

Mortgage Loans

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 explore our other lending solutions tailored to meet your housing needs.

Unsecured Credit Card Loans

Managing daily expenses can sometimes be challenging. We also offer flexible terms on unsecured credit card loans, with a total of $0 in loans helping members manage their finances effectively. This option allows for easier budgeting and spending without tying up your assets.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. This tool is designed to empower borrowers with clear and reliable information, making it easier to choose the right loan option for their needs. LendMesh ensures accurate loan comparisons by sourcing data 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 commitment guarantees that users receive fair and transparent offers without hidden fees or misleading terms. One of the standout features of LendMesh is its use of verified data. Loan offers are sourced from legitimate financial institutions, ensuring transparency in every comparison. Additionally, LendMesh does not engage in sponsored listings; lenders are not prioritized based on paid promotions. The goal is to provide unbiased results that truly reflect available options. Another significant advantage is the real-time rate comparisons provided by LendMesh. Users can access up-to-date loan rates from multiple institutions, allowing them to make informed decisions quickly. This feature is particularly valuable in a dynamic market where rates can change frequently. Thousands of users trust LendMesh for their loan comparisons. One member shared their experience: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials highlight the effectiveness and reliability of this comparison tool. For those looking to make informed financial choices, comparing real-time loan offers today at LendMesh can help you 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.*