Western Illinois School Employees CU Quincy IL | Best Auto Loans & Rewards Cards

Introduction

Welcome to Western Illinois School Employees Credit Union, your trusted financial partner since 1936! Located at 1416 Maine St, Quincy, IL 62301, we proudly serve our community with a commitment to providing personalized banking solutions tailored to meet your needs. As a member-focused institution, we have grown to support over 1,748 members, boasting total assets of $22,654,526 and total deposits of $2,166,747. At Western Illinois School Employees Credit Union, we believe in making banking accessible and straightforward. Our dedicated team of 3 employees, led by our CEO Tasha Billings and Board President Jennifer Scott, is here to guide you through every step of your financial journey. Whether you're looking for auto loans, mortgage options, or personal banking services, we're equipped to help you achieve your goals. While members can visit us at our branch for all their banking needs, official correspondence should be sent to the same address: 1416 MAINE ST, QUINCY, IL 62301. We invite you to explore our range of services designed with you in mind because your financial success is our priority. Feel free to reach out via phone at (217) 224-2091 for any inquiries or visit us online at WISECU.COM. Join us today and experience the difference that a local credit union can make in your life!

Branch History & Mission

Community Commitment

We believe in giving back to the community that has helped us thrive. Throughout the years, we've partnered with local schools and organizations to promote educational initiatives and support various community events. These efforts reflect our dedication not just as a financial institution but as a pillar of strength within Quincy. While we currently do not offer ATM or drive-thru services, we are committed to enhancing accessibility for everyone who walks through our doors. Our focus remains on providing personalized service where every member can receive assistance tailored just for them. As we look toward the future, we invite you to join us on this journey. Experience firsthand the benefits of being part of Western Illinois School Employees Credit Union. Together, let's build a brighter financial future for you and your family. For more information or inquiries, please reach out at (217) 224-2091 or visit us online at WISECU.COM. Your financial success starts here!

Our Mission

At Western Illinois School Employees, our mission is simple yet powerful: to empower our members through exceptional financial services while actively contributing to the community. We understand that financial success is not just about numbers; it's about making a positive impact on lives. That's why we strive to provide not only competitive rates but also valuable resources for financial education and planning. Our team is dedicated to ensuring that every member feels supported and valued. While you can visit us at 1416 Maine St, Quincy, IL 62301 for all your banking needs during our operating hours from 12:00 P.M. to 4:30 P.M., Monday through Friday, we also encourage you to explore our online services for added convenience.

Branch Location & Accessibility

Convenient Access and Parking

Our branch is designed with accessibility in mind. You'll find ample parking right outside, making it simple to stop by. We've ensured that our facilities are ADA compliant, so everyone can enjoy a hassle-free experience when they visit us.

Get in Touch!

If you have any questions or need assistance before your visit, feel free to call us at 217-224-2091. We invite you to come by and see how we can support your financial journey. Remember, while members can visit us at our branch address, official correspondence should be sent to the same mailing address: 1416 MAINE ST, QUINCY, IL 62301. We look forward to welcoming you soon!

Operating Hours That Fit Your Schedule

We understand that your time is valuable. That's why we offer lobby hours from 12:00 PM to 4:30 PM, Monday through Friday. Whether you need help with a checking account, vehicle financing, or other services, we're here during those hours to meet your needs.

Services Tailored for You

At Western Illinois School Employees, we provide a wide array of services including personal banking accounts, auto loans, mortgage loans, and credit cards with rewards. Even if you're a business owner looking for merchant services or business loans, we have solutions that fit your unique situation. While we currently do not have an ATM or drive-thru service available at this location, our staff is always ready to help you with any transactions inside the branch.

Member Eligibility

Joining the family at Western Illinois School Employees is more than just opening an account; it's about becoming part of a supportive community dedicated to your financial well-being. To become a member, you simply need to meet a few friendly eligibility criteria that focus on helping those connected to education in our area. If you work for or are affiliated with local schools, or if you have a family member who is, you're already on the right track! We encourage everyone interested in joining us to check out the detailed requirements at . Once you see that you qualify, getting started is easy! Just reach out to us at (217) 224-2091, and we'll guide you through the simple account opening process. Whether you're looking for personal banking services, auto loans, or even credit card options, Western Illinois School Employees offers an array of financial tools designed to help you thrive. We can't wait to welcome you into our community at 1416 Maine St Quincy Il 62301!

Business Banking & Commercial Services

Commercial Loans to Propel Your Business Forward

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 Your Needs

Imagine having a partner that simplifies your payment processing while ensuring you get paid quickly. Our merchant services make it easy to accept payments from customers, whether they pay by card or digital wallet. This means more time focusing on what you do best running your business. For personalized assistance and to learn more about how we can help your business thrive, visit us at 1416 Maine St Quincy Il 62301 in Quincy, IL or call us at (217) 224-2091. Together, let's build a brighter future for your business!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

If you're in the market for a new vehicle, our auto loans and vehicle financing options can get you behind the wheel quickly. We understand that buying a car is an important decision, so we work with you to find terms that fit your budget. Imagine driving off in your new car without the stress of overwhelming payments.

Business Banking Solutions

For local business owners, we provide essential services like merchant services and business loans to help grow your enterprise. We recognize the unique challenges small businesses face and are committed to offering tailored solutions that support your success.

Cash Withdrawal Services

While we currently do not have ATM services at this location, we ensure that cash withdrawal services are accessible whenever needed through various partnerships in the community. At Western Illinois School Employees, we're here to support your journey toward financial well-being with these diverse offerings. If you're ready to explore how we can help meet your financial needs or if you have questions about any of our services, don't hesitate to reach out! You can contact us at 217-224-2091 during our operating hours from 12:00 P.M. to 4:30 P.M., Monday through Friday. Join us today at WISECU.COM and experience the difference of personalized service!

Credit Cards with Rewards

Our credit cards with rewards give you more than just purchasing power; they offer incentives on everyday spending. Whether you're planning a vacation or just want to earn cash back on groceries, our credit card options are designed with your lifestyle in mind.

Mortgage Loans & Refinancing

For those looking to purchase a home or refinance an existing mortgage, our mortgage loans provide competitive rates and flexible terms. We know how daunting the home-buying process can be, which is why our friendly team is here to guide you through every step, ensuring you feel confident in your choice.

Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking services. With these tools, managing your accounts has never been easier check balances, transfer funds, and pay bills from wherever you are.

Personal Banking

We offer a variety of personal banking options tailored for everyone. Whether you're looking to open a checking or savings account, we make it easy to manage your everyday finances. Our accounts come with features that help you keep track of your spending and savings effortlessly.

Personal Loans & Debt Consolidation

Life brings unexpected expenses, and when it does, our personal loans can provide the financial relief you need. Additionally, if you're feeling overwhelmed by multiple debts, consider our debt consolidation options that can simplify your payments into one manageable monthly sum.

Digital & Online Banking

At Western Illinois School Employees, we understand that managing your finances should be as easy and secure as possible. That's why we offer a range of digital and online banking services designed to fit your lifestyle. Whether you're at home or on the go, you can access your accounts anytime with confidence. One of the standout features is our 24/7 online banking service, which lets you check balances, pay bills, and transfer funds at any time. You can easily manage your finances from anywhere by visiting https://www.wisecu.com/. Plus, our electronic signature authorization simplifies document signing, making it quick and hassle-free. Keeping track of your statements has never been easier with e-statements available for all members. Say goodbye to paper clutter and access your financial documents securely online. If you need to send money to friends or family, our person-to-person transfers make it simple to send cash instantly. Although we currently do not offer mobile payments or a dedicated mobile application, our online platform is user-friendly and designed for ease of use. You can expect real-time account updates and straightforward navigation that makes banking stress-free. At Western Illinois School Employees, we're committed to providing accessible services that help you stay in control of your finances while ensuring your data remains safe. Join us today and experience the convenience of modern banking!

Financial Strength

At Western Illinois School Employees, 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 understand how important it is for you to feel confident in your financial partner, and we're proud to share our strong financial standing with you. With a net worth of $3,735,182, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 1648 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 our substantial resources. While we currently have $0 in share certificates and $0 in money market shares, rest assured that your funds are managed with the utmost care and attention to ensure growth opportunities when available. 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. Our strength is also reflected in our total undivided earnings of $519,235, which allows us to reinvest in innovative banking tools and stronger lending options to serve you better. With $39,196 in used auto loans and a total of $17,786,060 in loans and leases overall, our lending capacity supports your financial goals across various sectors. Our financial performance speaks volumes about our operational efficiency as well. Our net income of $191,179 enables us to continue offering competitive loan rates and solid financial products for our members. We take pride in having a dedicated team ready to assist you; we employ 2 full-time employees and 1 part-time employee, ensuring our branches are always prepared to serve you with knowledgeable support. Our total share accounts stand at 1,882, showcasing a strong and growing member base that trusts us with their finances. This trust is essential as we work diligently to enhance your banking experience while maintaining stability. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Western Illinois School Employees is your trusted partner. Visit us at 1416 Maine St Quincy Il 62301 or call 217-224-2091 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

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $10,051,620 in used vehicle loans and $4,562,006 in new vehicle loans already helping members get on the road. We offer financing options for both new and used vehicles, ensuring that you find the perfect fit for your budget.

Mortgage Loans

Thinking about homeownership? While we currently do not have Junior Lien 1-4 Family Residential Properties loans available totaling $0, our mortgage options include refinancing solutions that can simplify the process when you are ready. Please reach out to us for future updates on mortgage offerings.

Other Loan Options

In addition to auto and mortgage loans, we provide credit lines with a total value of $225,000. These credit lines can give you the freedom to manage unexpected expenses or take on new opportunities without the hassle of applying for multiple loans. Our team is dedicated to understanding your unique situation and guiding you through the borrowing process. Whether you're considering refinancing existing debt or exploring new lending options, we're here to help. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. For further inquiries or assistance with your loan application, please don't hesitate to contact us directly at our branch location or visit our website at WISECU.COM.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans; however, at this time, we do not have any active unsecured credit card loans available totaling $0. We encourage you to check back as we may introduce new products in this area soon.

Loan Aggregator

Accurate Loan 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 ensures that the offers you see are fair and transparent, allowing you to compare rates confidently.

Benefits of Using LendMesh

- Verified Data: All loan offers come from legitimate financial institutions, ensuring transparency in what you're viewing. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. Every comparison reflects genuine offerings without influence from advertisers. - Real-Time Rate Comparisons: Users receive up-to-date loan rates from multiple institutions, enabling them to make choices that fit their financial needs. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Ready to find the best loan rates for your needs? Compare real-time loan offers today at LendMesh. 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.