Advancial Charlotte NC Credit Union | Affordable Auto Loans & Personal Banking

Introduction

Welcome to Advancial, your trusted partner in financial growth and community support. Located at 7521 Pineville Matthews Rd, Charlotte, NC 28226, our branch has been serving members since 1937. With a deep-rooted commitment to fostering financial well-being, we proudly support over 129,579 members and manage assets totaling an impressive $2,403,360,527. At Advancial, we understand that every member's journey is unique. That's why we offer a wide range of services tailored to meet your personal and business banking needs. From auto loans and mortgages to credit cards with rewards, our dedicated team is here to help you achieve your financial goals. We currently have 30 employees ready to assist you during our operating hours: Monday through Friday from 9:00 AM to 5:00 PM and Saturday from 9:00 AM to 1:00 PM. While members can visit us at 7521 Pineville Matthews Rd, official correspondence should be sent to the same address for consistency. Our goal is not just about numbers; it's about building lasting relationships within our community. With total deposits reaching $188,362,104 and robust lending options featuring over 82,248 loans and leases, we are committed to ensuring that your finances are in capable hands. Under the leadership of CEO Brent Sheffield and Board President Mike McKee, Advancial is more than just a credit union; we're a community partner dedicated to enhancing the lives of those we serve. Whether you're looking for personal banking solutions or business services, our team is ready to help you navigate your financial landscape. Explore more about what we offer by visiting our website at Advancial.org. We invite you to call us at 704-200-9844 or stop by our branch today. Let's work together toward a brighter financial future!

Branch History & Mission

Our Evolution

Since our inception, Advancial has expanded significantly, currently boasting a membership of 129,579 individuals. With total assets reaching an impressive $2,403,360,527, we have built a solid foundation that allows us to offer a wide range of financial services. From personal banking products like checking and savings accounts to auto loans and mortgages, we strive to meet every financial need. Our commitment to innovation is evident in our digital offerings, including online and mobile banking services that make managing finances easier than ever. We recognize the importance of being accessible to our members. That's why we provide convenient services such as ATMs and drive-thru banking at our branch. Whether you're stopping by for a quick transaction or need assistance with more complex financial matters, our dedicated team is here to help.

Our Mission

At Advancial, our mission is simple yet powerful: to empower our members through exceptional financial services while fostering community support. We believe that everyone deserves access to the tools they need for financial success. This commitment extends beyond just providing banking products; we actively engage in community outreach initiatives that uplift those around us. While members can visit us at 7521 Pineville Matthews Rd, official correspondence should be sent to 7521 Pineville Matthews Rd, Charlotte, NC 28226 if needed. Our operating hours are designed with your convenience in mind Monday through Friday from 9:00 AM to 5:00 PM and Saturday from 9:00 AM to 1:00 PM. As we look towards the future, we remain steadfast in our dedication to serving the Charlotte community. Join us at Advancial and experience firsthand how we can help you navigate your financial journey with confidence and care. Together, let's build a brighter future! For more information or to become a member today, visit us at Advancial.org.

Branch Location & Accessibility

Welcome to the Advancial branch located at 7521 Pineville Matthews Rd in the vibrant city of Charlotte, NC! Our branch is easily accessible and perfectly situated near local landmarks, making it a convenient stop for all your banking needs. Whether you're coming from the nearby SouthPark Mall or just passing through the charming neighborhoods of Mecklenburg County, we are here to serve you. At Advancial, we prioritize accessibility for everyone. Our branch features ADA-compliant facilities, including ramps and spacious parking options to ensure ease of access. You can visit us during our welcoming operating hours: Monday through Friday from 9:00 AM to 5:00 PM and Saturday from 9:00 AM to 1:00 PM. We are closed on Sundays, allowing our staff to recharge and provide excellent service when you need us. For those who prefer the convenience of drive-thru banking, we offer basic services such as deposits and withdrawals without having to leave your vehicle. Additionally, our ATM is readily available for quick cash withdrawals or balance checks whenever you need it. While members can visit us at 7521 Pineville Matthews Rd, official correspondence should be sent to the same address since our mailing address is identical. If you have any questions or need assistance, don't hesitate to call us at 704-200-9844. We invite you to come by and experience how Advancial can support your financial journey!

Member Eligibility

At Advancial, we believe that everyone deserves a chance to be part of a caring and supportive financial community. Becoming a member is not just about opening an account; it's about joining a family that prioritizes your financial well-being. To qualify for membership, you simply need to meet certain criteria, which can include being employed by a partner organization, residing in specific areas, or having family ties to existing members. The details are friendly and straightforward, so don't hesitate to check out the complete eligibility requirements at http://www.Advancial.org/membership-information . Once you see that you're eligible, opening your account with us is easy! Just visit our website at http://www.Advancial.org/apply to start the process online, or feel free to call us at (704) 200-9844 if you have any questions or need assistance. We're here to help you every step of the way as you take this important step toward better financial health. Join us today at our branch located at 7521 Pineville Matthews Rd Charlotte Nc 28226, where your journey toward financial empowerment begins!

Business Banking & Commercial Services

Practical Merchant Services

In addition to loans, our merchant services offer practical benefits that empower businesses to manage their finances efficiently. Imagine having quick access to funds from sales directly deposited into your account, enabling you to reinvest in your business without delay. Our services streamline transactions, ensuring you can focus more on growing your business rather than worrying about cash flow. If you're located in Charlotte, NC, visit us at 7521 Pineville Matthews Rd Charlotte Nc 28226 or call us at (704) 200-9844 to discover how Advancial can help turn your business aspirations into reality.

Tailored Loan Options for Your Business

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. This dedication ensures that whether you're looking to buy new equipment or expand your operations, we have options tailored to meet your needs.

Comprehensive List Of Services

Community Support

At Advancial, we believe in giving back to our community. Our dedicated team is always ready to assist you with any questions or concerns you may have. You can reach us at (704) 200-9844 during our lobby hours: Monday through Friday from 9:00 AM to 5:00 PM and Saturday from 9:00 AM to 1:00 PM. No matter where life takes you, we're here to help every step of the way. Explore our comprehensive services today at South Charlotte or visit us at 7521 Pineville Matthews Rd Charlotte Nc 28226 in Charlotte, NC. Let us be part of your financial journey!

Digital Banking Convenience

In today's fast-paced world, managing your finances on-the-go is essential. That's why we offer robust online and mobile banking features that allow you to check balances, make transfers, and pay bills right from your smartphone or computer. With easy access to ATMs for cash withdrawals and basic drive-thru banking for deposits and simple transactions, we prioritize making banking as smooth as possible.

Home Financing

Thinking about purchasing a home? Our mortgage loans and refinancing options make it easier than ever to own your dream property. We guide you through each step, ensuring you find the best terms for your situation.

Loans and Credit

If you're facing unexpected expenses or looking to consolidate debt, our personal loans offer flexible solutions to meet your needs. And if you're a business owner, we provide business banking services, including merchant services and business loans, so you can focus on what matters most growing your enterprise.

Personal Banking

Whether you're looking to open a checking or savings account, our personal banking options are tailored for every lifestyle. Imagine having a checking account that allows you to easily track your spending while earning rewards on your purchases with our credit cards. If you're considering buying a new car, our auto loans and vehicle financing can help you drive away in the vehicle you desire without breaking the bank.

Digital & Online Banking

Key Features

One of the standout features is our ability to provide E-Statements, so you can view your account statements electronically. This not only helps in reducing paper clutter but also keeps your financial information readily available at your fingertips. Plus, with electronic signature authorization, signing documents has never been easier or more secure. Need to send money quickly? Our person-to-person transfer feature allows you to send money to friends or family instantly, straight from your mobile device. Speaking of mobile devices, our mobile application puts all these capabilities right in your pocket, giving you full control over your finances on the go. For those who prefer making payments through their smartphones, we offer a convenient mobile payments feature. You can easily pay bills or make purchases directly from your phone making life just a bit easier!

Security and Accessibility

Security is a top priority for us at Advancial. Our online banking platform uses advanced security measures to protect your information while providing peace of mind as you conduct transactions. With real-time account management and round-the-clock access, you're always in control of your finances. In summary, at Advancial, we're committed to providing innovative digital banking solutions that fit seamlessly into your daily life. From easy access to accounts via our website and mobile app to secure electronic signatures and efficient person-to-person transfers, we've got everything you need for a modern banking experience. Explore more at https://www.advancial.org/ today!

Financial Strength

Growing Member Base

The trust placed in us by our members is evident as we manage a total of 219,082 share and deposit accounts. This showcases a strong and growing member base that relies on us for their financial needs. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Advancial is your trusted partner. Visit us at 7521 Pineville Matthews Rd Charlotte Nc 28226 or call (704) 200-9844 to learn more about how we can help you achieve your financial goals.

Member Savings Security

Members' savings are secured through $982,282,515 in share certificates and $147,937,899 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 shines through with a net income of $-5,600,711, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 304 full-time employees and 1 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvestment for Growth

With $187,407,986 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 success is reflected in our impressive total loans and leases amounting to $2,050,655,223, including $23,319 in used auto loans.

Solid Financial Health

With a net worth of $185,457,762, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $771 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 Services

In addition to these offerings, we also provide personal loans and debt consolidation solutions tailored to your specific situation. If you're considering refinancing any existing loans or exploring eligibility options for our products, our team is ready to assist you in finding the best solution for your financial journey. For more information on our loan products or if you have questions about eligibility or refinancing options, don't hesitate to reach out. You can contact us at 704-200-9844, or visit us during our lobby hours: Monday - Friday from 9:00 AM to 5:00 PM and Saturday from 9:00 AM to 1:00 PM. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Your financial health is important to us at Advancial let's work together to achieve your goals!

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $542,570,999 in used vehicle loans and $310,177,311 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive rates that make driving away in your dream car more attainable than ever.

Credit Card Loans

Managing everyday expenses can be easier with our unsecured credit card loans. We currently offer a total of $127,708,843 in these loans to help members manage their finances effectively. With flexible terms and straightforward options, our credit cards can be a great tool for budgeting and earning rewards.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $33,051,868, making buying or refinancing simple. We are here to guide you through every step of the process, ensuring you find the right fit for your housing needs.

Loan Aggregator

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ADVANCIAL FEDERAL CREDIT UNION