Landings Credit Union is a federally-insured credit union (NCUA-insured) operating as a member-owned, not-for-profit financial institution. The organization serves consumers seeking alternatives to traditional banks with an emphasis on member benefits and community-focused lending practices. Routing number 322173149 indicates full banking infrastructure and clearing capabilities.
The credit union offers a comprehensive suite of financial products including deposit accounts (checking, savings, money market accounts up to 1.50% APY), share certificates up to 4.00% APY, auto loans as low as 5.49% APR with 90-day payment deferral on refinances, personal loans up to $2,000 with payments from $100/month, home financing with current free appraisal promotions, and a Visa rewards credit card at rates starting at 9.25% APR. They also provide vehicle shopping through dealer partnerships and are launching a "Buy Now, Pay Later" feature for checking account holders.
Landings distinguishes itself through listed lending products like Accessory Dwelling Unit (ADU/Casita) financing for multi-generational family housing, targeted promotions (such as $50 new checking account bonuses), and listed rate disclosures on their homepage. The organization invests in member financial education through blog content covering scam prevention, digital security, and money management for teens and adults.
The credit union operates primarily as a membership-based lender with eligibility requirements typical of credit unions. Members gain access to rate claims to verify and personalized service, though eligibility for membership is not fully detailed on the homepage. Limited branch location information is visible on the landing page, suggesting physical presence exists but requires navigation to discover hours and locations.