Wheat State Credit Union Wichita KS | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Wheat State, your trusted financial partner located at 762 N West St, Wichita, KS 67203. Since our establishment in 1963, we have been dedicated to serving our community with a strong commitment to member satisfaction and financial well-being. With a total membership of 3,460 and assets amounting to an impressive $22,750,061, we strive to provide personalized banking solutions that cater to your unique needs. At Wheat State, we believe in building lasting relationships with our members by offering a variety of services including checking and savings accounts, auto loans, mortgage financing, and credit cards with rewards. Our goal is to empower you financially while keeping your interests at heart. You can trust us for sound financial advice and reliable support. Under the leadership of our CEO, Doug Cheatum, and Board President, Leland Bittle, our team of ten dedicated employees works tirelessly to ensure that your banking experience is smooth and beneficial. We take pride in holding a net worth of $2,156,141 and maintaining robust cash reserves of $538,921. While members can visit us at our branch for face-to-face interactions or use our convenient ATM and drive-thru services, official correspondence should be sent to our mailing address: 1400 S Oliver Ave, Wichita, KS 67218-3226. We invite you to explore more about what we offer by visiting our website at Wheat State. Whether you're looking for personal banking solutions or need assistance with loans totaling 2,178, we are here for you every step of the way. Feel free to reach out at (316) 687-4101 we're ready to help you achieve your financial goals!

Branch History & Mission

Commitment to Accessibility

Wheat State is dedicated not only to providing excellent service but also ensuring accessibility for all members. We feature ADA-compliant facilities and offer both drive-thru banking and ATM services for your convenience. Our goal is to make banking easy and efficient for everyone.

Join Us

If you're looking for a credit union that truly cares about its members and the community it serves, look no further than Wheat State. We invite you to explore how we can help you achieve your financial goals. Experience the benefits of membership today by visiting us or calling 316-687-4101. Together, let's build a brighter future!

Our Mission

At Wheat State, our mission is clear: to empower our members with accessible financial solutions while fostering a sense of community. We offer a wide range of services including personal banking, auto loans, mortgage financing, and business banking options. Each service is designed with our members' needs in mind, ensuring they have the tools necessary for financial success. We understand that banking is about more than just transactions; it's about building relationships. That's why we actively engage in community outreach efforts and partnerships that make a real difference in people's lives. Whether it's through educational programs or local sponsorships, we strive to be an integral part of Wichita's vibrant fabric. While members can visit us at 762 N West St, official correspondence should be sent to 1400 S Oliver Ave, Wichita, KS 67218-3226. Our team is here for you Monday through Friday from 9 AM to 5 PM, with a brief closure each day from 1:30 PM to 2:00 PM.

Branch Location & Accessibility

Welcome to Wheat State, your trusted credit union located conveniently at 762 N West St in the heart of Wichita, Kansas. Our branch is easy to find and is nestled near familiar landmarks like the vibrant Riverside Park and the bustling Towne West Square shopping area. Whether you're running errands or taking a leisurely stroll, we are here to serve your financial needs. At Wheat State, we understand that accessibility is key for our members. Our branch offers ample parking and features designed to ensure everyone can visit us comfortably. From ADA-compliant ramps to a drive-thru banking option, we prioritize making your banking experience as smooth as possible. We invite you to stop by during our lobby hours from Monday to Friday, 9 AM to 5 PM. Please note that we take a brief pause each day from 1:30 PM to 2:00 PM for lunch. If you need assistance outside of these hours, feel free to give us a call at 316-687-4101. Our friendly team is always ready to help! Wheat State provides a variety of services tailored for personal and business banking needs. From checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. Plus, with ATM access available right here at our branch and drive-thru banking for quick transactions, managing your finances has never been easier. While members can visit us at 762 N West St, official correspondence should be sent to our mailing address at 1400 S Oliver Ave, Wichita, KS 67218-3226. We look forward to welcoming you into our community-focused branch! Come by today or reach out we're excited to assist you on your financial journey!

Member Eligibility

At Wheat State, we believe that everyone deserves to be part of a caring and supportive financial community. Becoming a member is simple! If you live, work, or worship in the Sedgwick County area, you're likely eligible to join us. We're here to help you with your financial journey by providing personalized services like checking and savings accounts, auto loans, mortgages, and more. To find out if you meet our eligibility criteria, please visit our website at this link, where you can get all the details. Joining is just the beginning of your benefits! As a member of Wheat State, you'll enjoy competitive rates and access to resources designed to help you thrive financially. If you're ready to take that step or have any questions, don't hesitate to reach out at 316-687-4101. Our friendly team is here to assist you in opening your account and welcoming you into our community at 762 N West St, Wichita, KS 67203.

Business Banking & Commercial Services

Merchant Services That Work for You

In addition to loans, we offer merchant services that simplify payment processing. Imagine a busy retail day where customers can easily pay through various methods be it credit cards or mobile payments. Our services ensure that you can focus on what matters most: growing your business and serving your customers. Visit us at 762 N West St Wichita Ks 67203 in Wichita, KS to explore how we can partner with you on your business journey. For more information, call us at (316) 687-4101 or check out our website at Wheat State.

Tailored Loan Solutions

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.

Comprehensive List Of Services

Accessing Our Services

Wheat State is committed to making banking as convenient as possible for you. With basic ATM access available for withdrawals and balance checks, managing your finances has never been easier. You can visit us Monday through Friday from 9 AM to 5 PM (please note we are closed daily from 1:30 PM to 2:00 PM) for in-person assistance. We invite you to explore all that Wheat State has to offer. Whether you're an individual seeking personal finance solutions or a business owner looking for support, our team is here to help every step of the way. Ready to get started? Visit us at wheatstatecu.com or give us a call today!

Business Banking Services

For local businesses, Wheat State offers valuable support through our Business Banking services. Our Merchant Services make transactions smoother for your customers, while our Business Loans provide the funding necessary for growth and expansion.

Convenient Online and Mobile Banking

In today's fast-paced world, convenience is key. That's why we offer robust Online & Mobile Banking features that allow you to manage your accounts from anywhere. With online access, you can easily check balances, transfer funds, and pay bills all at your fingertips. Additionally, our ATM and cash withdrawal services ensure that you have easy access to your money whenever needed. We also provide basic drive-thru banking for quick deposits and withdrawals during branch hours.

Personal Banking Solutions

Navigating your personal finances can be challenging, but at Wheat State, we simplify the process. Our Checking & Savings Accounts offer flexible options designed for every lifestyle. For those looking to drive home in a new vehicle, our Auto Loans & Vehicle Financing make it easy to get behind the wheel with competitive rates. If you're planning to buy a house or refinance your existing mortgage, our Mortgage Loans & Refinancing services are tailored to help you find the right fit. In addition to these essential services, we provide Personal Loans & Debt Consolidation options for those who need extra cash or want to simplify their payments. Plus, our Credit Cards with Rewards let you earn while you spend on everyday purchases.

Digital & Online Banking

Key Services

With our online banking platform, accessible through https://www.wheatstatecu.com/ , you can take control of your finances 24/7. Check balances, pay bills, and transfer funds all from the comfort of your device. Plus, with e-statements available, you can say goodbye to paper clutter and access your statements anytime you need them. For those who prefer using their smartphones, our mobile application makes it simple to manage your account on the move. You can make person-to-person transfers effortlessly send money to friends or family without any hassle. Although we currently do not offer mobile payments, our app still provides a user-friendly experience for all your banking needs.

Security and Accessibility

Your security is our top priority. With robust security measures in place and no electronic signature authorization required, you can feel confident that your information remains protected while using our services. At Wheat State, we strive to ensure that accessing your accounts is not only easy but also safe. Whether you're checking balances late at night or needing to make a quick transfer during lunch, our online banking services are always available to assist you. In summary, Wheat State offers a range of digital banking tools that empower you to manage your money effectively. Experience the ease and peace of mind that comes with modern banking visit us online today!

Financial Strength

Growing Membership Base

Total Share Accounts: 5,576, showing a strong and growing member base that trusts us with their finances. This community of satisfied members is a testament to our reliability and dedication. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Wheat State is your trusted partner. Visit us at 762 N West St Wichita Ks 67203 or call (316) 687-4101 to learn more about how we can help you achieve your financial goals.

Lending Capacity

With $844 in used auto loans and $20,329,166 in total loans and leases, our lending capacity supports members' financial goals across various sectors. This diverse range of lending products means that whatever your needs may be, we have options available for you. Our $-214,061 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 9 full-time employees and 1 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Member-Focused Savings

Members' savings are secured through $6,338,346 in share certificates and $627,883 in money market shares, offering stable and rewarding financial growth opportunities. 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.

Reinvesting for Improvement

With $2,370,202 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our commitment to growth means you can rely on us for the best possible service.

Strong Financial Health

With a net worth of $2,156,141, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. This solid foundation enables us to support our members in their financial journeys with confidence. Our net worth ratio of $948 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

Additional Lending Options

For those looking for additional borrowing flexibility, we have available lines of credit totaling $970,000. This can be an excellent choice if you need access to funds without taking out a traditional loan. At Wheat State, we pride ourselves on making the borrowing process straightforward and accessible. If you're interested in any of our loan products or would like more information about refinancing options or eligibility criteria, please reach out to us at (316) 687-4101. All 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 on your financial journey!

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. We've already provided over $11,940,547 in used vehicle loans and $1,346,238 in new vehicle loans to help members get on the road. Whether you're purchasing a brand-new model or a reliable used car, we have financing solutions that can fit your budget.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We provide loans for Junior Lien 1-4 Family Residential Properties totaling $1,255,477. If you're considering refinancing your current mortgage or exploring eligibility options, our team can guide you through the process with ease.

Unsecured Credit Cards

Managing your finances effectively is crucial. We also offer flexible terms on unsecured credit card loans, with a total of $500,063 helping members manage their expenses. This option provides a convenient way to make purchases while keeping your cash flow steady.

Loan Aggregator

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WHEAT STATE CREDIT UNION