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    <lastmod>2026-01-07</lastmod>
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      <image:title>Home - Our offices will be closed on May 26th in observance of Memorial Day</image:title>
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      <image:title>Home - Board of Director Nominations</image:title>
      <image:caption>Get Involved With Your Credit Union! In accordance with the bylaws of Encompass Credit Union, application for nominations are being accepted for three (3) open Board of Director positions until January 15, 2026. Consideration for Board membership is available to any Credit union member over the age of eighteen (18) and in good standing with the Credit Union. Serving as a volunteer on Encompass Credit Union’s Board of Directions is a great way to participate in the democracy that differentiates credit unions from other financial institutions. Members of the Board of Directors have the duty and responsibility to set the direction of the credit union according to the wishes of the membership and in accordance with all pertinent laws and regulations. The Board sets all policies, ensures Encompass maintains its sound financial condition, decides what programs will be offered and what facilities used. Regularly scheduled monthly meetings are normally the evening of the third Tuesday. Click here for more information</image:caption>
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      <image:title>Home - Check out our new blog!</image:title>
      <image:caption>Click here!</image:caption>
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      <image:caption>Check out our latest news and events! READ MORE</image:caption>
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      <image:caption>Walter E. York Memorial Scholarship Attention High School Class of 2026! Click Here for Details!</image:caption>
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      <image:title>Home - Our offices will be closed on May 26th in observance of Memorial Day</image:title>
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      <image:title>Home - Community Shred Day</image:title>
      <image:caption>April 19th 2025 Click for details</image:caption>
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      <image:title>Bank Note Blog - How are credit unions different from banks? - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Bank Note Blog - How are credit unions different from banks? - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/6052596a86b9dd49b5090c20/1617907910599-NM3IIMLFQCXV5EJXVGNO/shutterstock_1278022852.png</image:loc>
      <image:title>Rates &amp; Fees</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://encompasscu.org/about-us</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-07-15</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6052596a86b9dd49b5090c20/1628264481815-4CJ367CDVU7Z5IT6MM5S/shutterstock_738813280.png</image:loc>
      <image:title>About Us</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://encompasscu.org/disclosures</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2024-04-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6052596a86b9dd49b5090c20/1617409076411-RVB569HHCRGPP3NP4PAZ/lending.jpg</image:loc>
      <image:title>Disclosures</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://encompasscu.org/news</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-03-27</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6052596a86b9dd49b5090c20/1628260535535-XY15ZOLRMZQGOBF6NBO2/shutterstock_521078383.png</image:loc>
      <image:title>News &amp; Events</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6052596a86b9dd49b5090c20/1621950317658-REVGTYIAF460QBEPDZ73/Encompass+Reed+Road+Ribbon+Cutting</image:loc>
      <image:title>News &amp; Events - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://encompasscu.org/ultimate-checking-faqs</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2024-10-23</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6052596a86b9dd49b5090c20/1622146762177-66BT0ZS37X5SKXW2M67E/shutterstock_1215484633.png</image:loc>
      <image:title>Ultimate Checking FAQs</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://encompasscu.org/important-information</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-02-21</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6052596a86b9dd49b5090c20/1617409076411-RVB569HHCRGPP3NP4PAZ/lending.jpg</image:loc>
      <image:title>Important Information</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://encompasscu.org/rdc-faqs</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-02-13</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6052596a86b9dd49b5090c20/1626791149378-QXTOT7EZ22TQXKNE9HRW/AdobeStock_409522799.jpeg</image:loc>
      <image:title>RDC FAQs</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6052596a86b9dd49b5090c20/1626791282165-75TD4SY4WX5KQT1ZE1NE/Remote+deposit+capture+example</image:loc>
      <image:title>RDC FAQs - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://encompasscu.org/fee-schedule</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2022-03-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6052596a86b9dd49b5090c20/1617907641067-QC5UKBH4ADG1NX3N0ZOP/shutterstock_1014745597.png</image:loc>
      <image:title>Fee Schedule</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://encompasscu.org/board-of-directors</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-01-15</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6052596a86b9dd49b5090c20/1648583011117-R8EJJE25DJX09XWR6OUO/Screen+Shot+2022-03-29+at+9.23.55+AM.png</image:loc>
      <image:title>Board of Directors</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://encompasscu.org/auto-loans-tipton</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2024-10-23</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6052596a86b9dd49b5090c20/1729277502352-2TZ2T448BMBH8PFBPSTX/AdobeStock_55602540.jpeg</image:loc>
      <image:title>Auto Loans Tipton</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://encompasscu.org/mortgage-loans-tipton</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2024-10-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6052596a86b9dd49b5090c20/1729277673587-7IZMINU0P4TJNH479RJI/AdobeStock_118465200.jpeg</image:loc>
      <image:title>Mortgage Loans Tipton</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://encompasscu.org/personal-loans-kokomo</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2024-10-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6052596a86b9dd49b5090c20/1729277719659-JFQJOHD0QCYNE5ELFIW0/AdobeStock_467014679.jpeg</image:loc>
      <image:title>Personal Loans Kokomo</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://encompasscu.org/payment-options</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2024-10-23</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6052596a86b9dd49b5090c20/1622146762177-66BT0ZS37X5SKXW2M67E/shutterstock_1215484633.png</image:loc>
      <image:title>Payment Options</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://encompasscu.org/online-digital-access</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2024-10-23</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6052596a86b9dd49b5090c20/1617907191098-AVJXAUQUUCRU04ZKBOEP/shutterstock_431846191.png</image:loc>
      <image:title>Online Digital Access</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://encompasscu.org/banno-privacy-policy</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2024-10-23</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6052596a86b9dd49b5090c20/1617315986606-PKGZAOC4XSB9GOU19MQB/auto2.jpg</image:loc>
      <image:title>Banno Privacy Policy</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://encompasscu.org/corporate-office</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2024-10-23</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6052596a86b9dd49b5090c20/1621892300886-DKLSS98EAQPJGKFZEHYZ/shutterstock_1907568001.png</image:loc>
      <image:title>Corporate Office</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6052596a86b9dd49b5090c20/1621884048642-U83UJ1545MAFTB2V3CYW/Alliance+One+ATM</image:loc>
      <image:title>Corporate Office - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://encompasscu.org/steel-parts-branch</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2024-10-23</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6052596a86b9dd49b5090c20/1621892300886-DKLSS98EAQPJGKFZEHYZ/shutterstock_1907568001.png</image:loc>
      <image:title>Steel Parts Branch</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6052596a86b9dd49b5090c20/1621884048642-U83UJ1545MAFTB2V3CYW/Alliance+One+ATM</image:loc>
      <image:title>Steel Parts Branch - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://encompasscu.org/maish-road-branch</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2024-10-23</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6052596a86b9dd49b5090c20/1621892300886-DKLSS98EAQPJGKFZEHYZ/shutterstock_1907568001.png</image:loc>
      <image:title>Maish Road Branch</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6052596a86b9dd49b5090c20/1621884048642-U83UJ1545MAFTB2V3CYW/Alliance+One+ATM</image:loc>
      <image:title>Maish Road Branch - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://encompasscu.org/nickel-plate-branch</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2024-10-23</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6052596a86b9dd49b5090c20/1621892300886-DKLSS98EAQPJGKFZEHYZ/shutterstock_1907568001.png</image:loc>
      <image:title>Nickel Plate Branch</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6052596a86b9dd49b5090c20/1621884048642-U83UJ1545MAFTB2V3CYW/Alliance+One+ATM</image:loc>
      <image:title>Nickel Plate Branch - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://encompasscu.org/reed-road-branch</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2024-10-23</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6052596a86b9dd49b5090c20/1621892300886-DKLSS98EAQPJGKFZEHYZ/shutterstock_1907568001.png</image:loc>
      <image:title>Reed Road Branch</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6052596a86b9dd49b5090c20/1621884048642-U83UJ1545MAFTB2V3CYW/Alliance+One+ATM</image:loc>
      <image:title>Reed Road Branch - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://encompasscu.org/banno-faq</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2024-10-23</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6052596a86b9dd49b5090c20/1684177038351-YMK8G1MPZD2SIFB1ZF57/Slider%2BBackground%2BEFT.jpg</image:loc>
      <image:title>Banno FAQ</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://encompasscu.org/checking-accounts-tipton</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-01-30</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6052596a86b9dd49b5090c20/1729277756852-2PDUNYB1NT877TLCM83I/AdobeStock_608796148%2B%281%29.jpeg</image:loc>
      <image:title>Checking Accounts Tipton</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://encompasscu.org/checking-accounts-frankfort</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2024-10-23</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6052596a86b9dd49b5090c20/1729277800686-V09A1GY44C843HF6HZ39/AdobeStock_413859355.jpeg</image:loc>
      <image:title>Checking Accounts Frankfort</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://encompasscu.org/mortgage-loans-kokomo</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2024-10-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6052596a86b9dd49b5090c20/1729277848252-1F5ZLGY688ZT3T6O94Q9/AdobeStock_857758901.jpeg</image:loc>
      <image:title>Mortgage Loans Kokomo</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://encompasscu.org/mortgage-loans-frankfort</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2024-10-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6052596a86b9dd49b5090c20/1729277885495-67SSD9AOV2ZQ414ZTQXD/AdobeStock_848893996.jpeg</image:loc>
      <image:title>Mortgage Loans Frankfort</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://encompasscu.org/checking-accounts</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-06-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6052596a86b9dd49b5090c20/1726761405457-U08US4GCGTTKOIZ5P3GW/AdobeStock_304450319.jpeg</image:loc>
      <image:title>Checking Accounts</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://encompasscu.org/savings-accounts</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-06-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6052596a86b9dd49b5090c20/1617907712589-2DTLJH4R0UAME558GMX4/shutterstock_1228217749.png</image:loc>
      <image:title>Savings Accounts</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://encompasscu.org/personal-loans-tipton</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2024-11-30</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6052596a86b9dd49b5090c20/1726761405457-U08US4GCGTTKOIZ5P3GW/AdobeStock_304450319.jpeg</image:loc>
      <image:title>Personal Loans in Tipton, Indiana</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://encompasscu.org/personal-loans-frankfort</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2024-11-30</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6052596a86b9dd49b5090c20/1726761405457-U08US4GCGTTKOIZ5P3GW/AdobeStock_304450319.jpeg</image:loc>
      <image:title>Personal Loans in Frankfort, Indiana</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://encompasscu.org/auto-loans-in-frankfort</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2024-11-30</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6052596a86b9dd49b5090c20/1729277181171-4DHP9SGR9L877DZ7WNGA/AdobeStock_55602540.jpeg</image:loc>
      <image:title>Auto Loans in Frankfort</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://encompasscu.org/auto-loans-in-kokomo</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2024-11-30</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6052596a86b9dd49b5090c20/1729277583124-7EGFBHLU9Q632K0WJT8R/AdobeStock_55602540.jpeg</image:loc>
      <image:title>Auto Loans in Kokomo</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://encompasscu.org/certificates-of-deposit</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2024-12-31</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6052596a86b9dd49b5090c20/1729277756852-2PDUNYB1NT877TLCM83I/AdobeStock_608796148%2B%281%29.jpeg</image:loc>
      <image:title>Certificates of Deposit</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://encompasscu.org/board-of-directors-copy</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-12-08</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6052596a86b9dd49b5090c20/1734704058085-2H1N5O6VSIW5N3X3R0LF/AdobeStock_120753490.jpeg</image:loc>
      <image:title>Board of Directors Nominations</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://encompasscu.org/understanding-auto-loan-options-in-frankfort</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-01-30</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6052596a86b9dd49b5090c20/1729277181171-4DHP9SGR9L877DZ7WNGA/AdobeStock_55602540.jpeg</image:loc>
      <image:title>Understanding Auto Loan Options in Frankfort</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://encompasscu.org/auto-loans-in-tipton-indiana</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-01-30</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6052596a86b9dd49b5090c20/1729277181171-4DHP9SGR9L877DZ7WNGA/AdobeStock_55602540.jpeg</image:loc>
      <image:title>Auto Loans in Tipton, Indiana</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://encompasscu.org/things-you-need-to-know-before-applying-for-a-personal-loan-in-tipton</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-06-02</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6052596a86b9dd49b5090c20/1729277181171-4DHP9SGR9L877DZ7WNGA/AdobeStock_55602540.jpeg</image:loc>
      <image:title>Things You Need to Know Before Applying for a Personal Loan in Tipton</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://encompasscu.org/top-reasons-to-consider-a-personal-loan-in-frankfort</loc>
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    <priority>0.75</priority>
    <lastmod>2025-06-10</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6052596a86b9dd49b5090c20/1729277181171-4DHP9SGR9L877DZ7WNGA/AdobeStock_55602540.jpeg</image:loc>
      <image:title>Top Reasons to Consider a Personal Loan in Frankfort</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://encompasscu.org/best-credit-union-checking-accounts-indiana</loc>
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    <priority>0.75</priority>
    <lastmod>2025-09-30</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6052596a86b9dd49b5090c20/1742501986343-TMJPA9ZNZMT3UNUHEI2E/shutterstock_738813280.png</image:loc>
      <image:title>The Advantages of Credit Union Checking Accounts in Indiana</image:title>
    </image:image>
  </url>
  <url>
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