Yuma County Credit Union Wray CO | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Yuma County Federal Credit Union, your trusted financial partner located at 401 Main St, Wray, CO 80758. Established in 1949, we have proudly served our community for decades, building a solid reputation based on trust and reliability. With a dedicated membership of 2,381 and total assets reaching an impressive $55,070,917, we are committed to providing exceptional financial services tailored to meet the unique needs of our members. At Yuma County Federal Credit Union, we believe in empowering our members by offering a wide range of services, including checking and savings accounts, auto loans, mortgage loans, personal loans, and credit cards with rewards. We understand that every financial journey is different; that's why our experienced team is here to guide you every step of the way. Our CEO, Kathi Glanz, along with Board President Larry Marshall, leads a team of 10 dedicated employees who are passionate about supporting our community. We take pride in maintaining a strong net worth of $5,806,131 and ensuring that our members' funds are safe and secure with total deposits of $2,481,656. While you can visit us at our branch for all your banking needs during our operating hours from 8:30 AM to 4:30 PM (Monday through Friday), please note that official correspondence should be sent to the same address. Whether you're looking to open a new account or need assistance with a loan application, we invite you to call us at 970-332-9827 or explore our website at ycfcu.com for more information. Join us today and experience the difference at Yuma County Federal Credit Union where you're not just a member; you're family!

Branch History & Mission

Welcome to Yuma County Federal Credit Union, where our story is one of community commitment and growth. Established in 1949, our branch has been a vital part of Wray, Colorado, for over seven decades. With a proud history rooted in service, we have steadily evolved to meet the changing needs of our members. Located at 401 Main St, Wray, CO 80758, our credit union has grown alongside this vibrant community. Since opening our doors, we have welcomed over 2,381 members who trust us with their financial needs. Our total assets now stand at an impressive $55,070,917. This growth reflects not only our commitment to providing exceptional financial services but also the loyalty and support from our members. Our mission is simple yet impactful: we aim to empower individuals and families by offering accessible financial solutions while fostering a sense of community. We understand that banking is more than just transactions; it's about building relationships and supporting each other through life's milestones. Whether you're looking for personal banking services like checking accounts and auto loans or business banking options, we're here to help you succeed. While members can visit us at 401 Main St Wray Co 80758, official correspondence should be sent to 401 MAIN STREET, WRAY, CO 80758-1724. We pride ourselves on being accessible and customer-centric. Our operating hours are Monday through Friday from 8:30 AM to 4:30 PM, ensuring that we are available when you need us most. At Yuma County Federal Credit Union, we embrace technology to enhance your banking experience. With online and mobile banking options available, managing your finances has never been easier. While we currently do not offer ATM or drive-thru services, we are dedicated to finding ways to serve you better every day. We believe in giving back to our community through various outreach efforts and partnerships that strengthen local connections. Our commitment goes beyond just banking; it extends into making Wray a better place for everyone. If you're ready to join a credit union that puts its members first, we invite you to become part of the Yuma County family today! Experience the benefits of personalized service and community support by visiting us or applying online at Yuma County Federal Credit Union. Together, let's build a brighter financial future!

Branch Location & Accessibility

Welcome to Yuma County Federal Credit Union, your friendly financial partner located at 401 Main St in Wray, Colorado. We understand that convenience is key when it comes to banking, and our branch is ideally situated in the heart of Wray, making it easy for you to drop by. Whether you're visiting us after shopping at the local stores or enjoying a day out at one of the nearby parks, we are here to serve your banking needs. While members can visit us at our branch address, official correspondence should be sent to 401 MAIN STREET, WRAY, CO 80758-1724. Our location offers ample parking, ensuring that you can easily find a spot without any hassle. Plus, we take accessibility seriously. Our branch is ADA compliant and features ramps for those who need extra assistance. Our lobby hours are designed with your schedule in mind, open from 8:30 AM to 4:30 PM Monday through Friday. This gives you plenty of time during the week to stop in for personal banking services like checking and savings accounts, auto loans, mortgage loans, and more. While we currently do not have ATM services or drive-thru banking available, our dedicated staff is always ready to assist you inside the branch. If you have any questions or need assistance while you're with us, don't hesitate to reach out at 970-332-9827. We invite you to come in and experience the friendly service that makes Yuma County Federal Credit Union feel like home. Your financial journey starts here!

Member Eligibility

Becoming a member of Yuma County is like joining a family that truly cares about your financial well-being. If you're a resident of Yuma County or work in the area, you're likely eligible to join us! At Yuma County, we believe in providing personalized service and a supportive community where you can thrive financially. You can explore the specific eligibility criteria by visiting our website at . Opening an account with us is straightforward and welcoming. Once you know you qualify, just head over to our account opening page here: https://my.homecu.net/fi/ycfcu/loan-application.html, where you'll find all the details you need to get started. If you have any questions, feel free to give us a call at (970) 332-9827 we're here to help! Join us today at 401 Main St Wray Co 80758 and experience the benefits of being part of our credit union community.

Business Banking & Commercial Services

Commercial Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $13 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $1,422,322, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, we offer essential merchant services that help streamline operations and enhance customer experiences. Imagine being able to process payments quickly and efficiently, allowing you to focus more on what you love growing your business. Our services are designed to make daily transactions easier, so you can serve your customers better. Located at 401 Main St Wray Co 80758 in Wray, CO, we invite you to explore how Yuma County can partner with you on your business journey. Reach out to us at (970) 332-9827 or visit our website at https://www.ycfcu.com/ for more information!

Comprehensive List Of Services

Accessibility & Support

At Yuma County Federal Credit Union, we believe in providing exceptional service. Our branch hours are Monday through Friday from 8:30 AM to 4:30 PM. If you have questions about any of our services or need assistance with your account, don't hesitate to call us at 970-332-9827. Our friendly staff is always ready to help you navigate your financial journey. In conclusion, whether you're looking for personal banking solutions or business services, Yuma County is here for all your financial needs. Visit us at our branch or explore our website at ycfcu.com for more information on how we can help you reach your financial goals!

Business Banking Services

For our business members, we recognize the importance of having reliable financial support. Our business banking services include merchant services that simplify payment processing and business loans designed to help you grow your enterprise. Whether you're starting a new venture or expanding an existing one, we're committed to supporting local businesses in Wray and beyond.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking options so you can manage your accounts anytime, anywhere. With features like mobile payments and person-to-person transfers, staying on top of your finances has never been easier. You can check balances, pay bills, and even apply for loans right from your smartphone or computer.

Personal Banking Solutions

We understand that managing your finances can be overwhelming. That's why at Yuma County Federal Credit Union, we offer various personal banking services designed to simplify your financial life. From checking and savings accounts that help you manage your everyday spending and savings goals, to auto loans and vehicle financing options that make purchasing a car more accessible, we're here to assist you every step of the way. If you're considering buying a home or refinancing your current mortgage, our mortgage loans can provide competitive rates tailored to fit your budget. We also offer personal loans for debt consolidation or unexpected expenses, giving you peace of mind when life throws surprises your way. Plus, our credit cards come with rewards that let you earn while you spend.

Digital & Online Banking

Accessible Online Banking

Our 24/7 online banking services make it easy for you to check balances, pay bills, and transfer funds whenever you need. Just visit https://www.ycfcu.com/ to get started! You'll find everything you need right at your fingertips.

Mobile Banking Made Easy

For those on the go, our mobile application is available for download, giving you access to all your banking needs from the palm of your hand. Whether you're making mobile payments or checking transactions, managing your finances is as easy as pulling out your phone.

Real-Time Account Management

With features like e-statements and person-to-person transfers, staying on top of your finances has never been easier. Receive your statements electronically and avoid the clutter of paper while ensuring that your sensitive information is kept safe. Plus, our person-to-person transfer feature allows you to send money to friends or family with just a few clicks no more hassle!

Security You Can Trust

We prioritize your security with features like electronic signature authorization, ensuring that every transaction is verified and protected. Your peace of mind is essential, and our user-friendly services are designed to provide just that. In summary, Yuma County's digital and online banking options offer you convenience, security, and control over your financial life. Join us today by visiting https://www.ycfcu.com/ and experience banking that works for you!

Financial Strength

Continuous Reinvestment

With $5,251,476 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our commitment to your financial wellbeing is reflected in our lending capacity; with $359 in used auto loans and $21,897,460 in total loans and leases, we support members' financial goals across various sectors.

Growing Member Base

Our financial strength is further illustrated by our total share accounts 4,984, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $0. In conclusion, our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Yuma County is your trusted partner. Visit us at 401 Main St Wray Co 80758 or call (970) 332-9827 to learn more about how we can help you achieve your financial goals.

Member Savings Secured

Members' savings are secured through $9,465,590 in share certificates and $6,422,460 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.

Operational Efficiency

Our operational efficiency is highlighted by our $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 10 full-time employees and 0 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Solid Financial Health

With a net worth of $5,806,131, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,054 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

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $5,539,494 in used vehicle loans and $2,334,507 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive interest rates to ensure you get the financing you need without breaking the bank.

Credit Lines and Unsecured Loans

For those who want a safety net for unexpected expenses or wish to consolidate debt, our total credit lines amounting to $8,000,000 provide flexibility and peace of mind. Additionally, we offer unsecured credit card loans totaling $88,125, which help members manage their finances effectively without collateral requirements. If you're considering refinancing any of these options or exploring eligibility criteria for our loans, please reach out. We're here to guide you through every step of the process. For more information or to apply for a loan today, feel free to contact us at (970) 332-9827 or visit us at 401 Main St Wray CO 80758. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At Yuma County Federal Credit Union, we're committed to supporting our community with financial products that make sense for you. Let us help you take the next step toward your financial future!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $1,912,418, make buying or refinancing simple. We offer various plans that cater to first-time buyers as well as seasoned homeowners looking to refinance at better rates.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency in every comparison. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results that serve our users' best interests. - Real-Time Rate Comparisons: With up-to-date loan rates from multiple institutions, users can quickly identify the most suitable options for their 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!" Such testimonials highlight the effectiveness and reliability of this tool in helping individuals secure favorable loan terms. 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 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 approach guarantees that users receive fair and transparent offers. Each loan comparison reflects current rates and terms, allowing potential borrowers to make informed choices without confusion.

Yuma County