Alloy Credit Union Fayetteville WV | Affordable Auto Loans & Business Banking

Introduction

Welcome to Alloy Credit Union, your trusted financial partner located at 515 Hinkle Rd, Fayetteville, WV 25840. Established in 1970, we have proudly served our community for over five decades, helping nearly 4,700 members achieve their financial goals. With total assets of $26,232,097 and total deposits reaching $70,6710, our solid foundation allows us to provide a range of services tailored just for you. At Alloy, we understand the importance of accessible banking. Our friendly team, led by CEO Deanna Valentine and Board President Ray Phillips, is dedicated to offering personal banking solutions like checking and savings accounts, auto loans, mortgage financing, credit cards with rewards, and more. Whether you're looking to buy a new car or save for your dream home, we're here to support you every step of the way. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to our mailing address: P.O. Box 323, Alloy, WV 25002. Our commitment goes beyond just numbers; we are deeply invested in the well-being of our community. With a focus on providing financial education and support, we strive to empower our members to make informed decisions about their finances. Curious about how we can help you? Give us a call at 304-574-4011 or check out our website at Alloy Credit Union for more information. Let us guide you on your financial journey!

Branch History & Mission

At Alloy, located at 515 Hinkle Rd in Fayetteville, WV, our story is one of community, commitment, and growth. Since opening our doors in 1970, we have dedicated ourselves to serving the financial needs of our members and neighbors. Over the years, we've grown from a small credit union into a trusted financial institution with over 4,694 members and total assets reaching an impressive $26,232,097. Our mission is simple yet profound: to empower our members through accessible financial services while fostering a supportive community environment. We believe that everyone deserves the opportunity to achieve their financial goals, whether it's buying a first car, purchasing a home, or simply saving for the future. Our diverse range of services includes personal banking options like checking and savings accounts, auto loans, mortgage loans, and even business banking solutions. As we look back on our journey, we are proud of the many milestones we've achieved. From enhancing our digital banking capabilities to ensure ease of access for all members to providing personalized service through our drive-thru and ATM facilities, we have continually adapted to meet the changing needs of our community. Our operating hours are designed with convenience in mind: the lobby is open Monday through Friday from 8:00 AM to 4:30 PM and Saturday from 9:00 AM to noon. While members can visit us at 515 Hinkle Rd Fayetteville Wv 25840, official correspondence should be sent to Po Box 323 in Alloy, WV. We also take pride in being ADA compliant and ensuring that all members have equal access to our services. Community outreach is at the heart of what we do. We strive not only to provide financial assistance but also to actively engage with local organizations and initiatives. Together with our partners, we work towards building a stronger Fayetteville by supporting local events and programs that uplift those around us. We invite you to become part of the Alloy family! Join us today to experience firsthand how we can help you achieve your financial dreams while being part of a caring community. For more information or assistance, feel free to reach out at 304-574-4011 or visit us online at Alloy FCU. Your journey toward financial well-being starts here!

Branch Location & Accessibility

Welcome to Alloy, your friendly neighborhood credit union located at 515 Hinkle Rd in the charming town of Fayetteville, WV. Our branch is conveniently situated near local landmarks, making it easy for you to stop by and access a variety of financial services. Whether you're headed to the New River Gorge or exploring downtown Fayetteville, we're just around the corner! At Alloy, we strive to make your banking experience as smooth as possible. Our branch features accessible parking and ADA-compliant facilities, ensuring everyone can visit us comfortably. Plus, with our drive-thru banking service available from Monday through Friday until 5:00 PM and Saturday from 9:00 AM to noon, you can manage your transactions without leaving your vehicle. We understand that your time is valuable, which is why our lobby hours are designed to accommodate busy schedules. Join us during the week from 8:00 AM to 4:30 PM for personal assistance from our dedicated staff. If you prefer managing your finances on-the-go, take advantage of our ATM services available right here at the branch. While members can visit us at 515 Hinkle Rd, official correspondence should be sent to PO Box 323, Alloy, WV 25002. Have questions or need assistance? Feel free to give us a call at 304-574-4011 we're always here to help! We invite you to drop by Alloy today and discover how we can support your financial needs. Whether you're looking for checking and savings accounts, auto loans, or online banking options, our team is ready to serve you with a smile!

Member Eligibility

Becoming a member of Alloy is like joining a warm and welcoming family that truly cares about your financial well-being. If you live, work, or worship in the Fayette County area, you're likely eligible to join us! We also welcome family members of existing members, which makes it even easier for your loved ones to benefit from our services. At Alloy, we pride ourselves on offering personalized banking solutions tailored to meet your needs. You'll enjoy competitive rates on loans, convenient online banking options, and the friendly service of our dedicated team. To learn more about the specific eligibility criteria, feel free to visit our detailed page at https://alloyfcu.com/about-us/who-can-join/. Joining is simple! Just reach out to us at (304) 574-4011 or head over to our account opening page at https://www6.homecu.net/fi/alloycu/lnappfrm.html to get started on your journey with Alloy. We're excited to have you as part of our community at 515 Hinkle Rd Fayetteville WV 25840!

Business Banking & Commercial Services

Business Loan Options

Imagine needing new equipment to meet growing demand or wanting to renovate your space to attract more customers. With our commercial lending programs, we're here to support you every step of the way. 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.

Merchant Services

In addition to loans, we offer comprehensive merchant services that simplify payment processing for your business. This means you can focus on what you do best serving your customers while we handle the behind-the-scenes financial transactions. Whether it's accepting credit cards or managing online payments, our services are designed to make your life easier and keep your cash flow steady. Come visit us at 515 Hinkle Rd Fayetteville Wv 25840 in Fayetteville, WV, or contact us at (304) 574-4011 to learn how we can help your business flourish!

Comprehensive List Of Services

Business Banking Services

For entrepreneurs and small businesses in the community, we offer tailored Business Banking solutions including merchant services and business loans. Think about how much easier it will be to manage transactions and grow your business with our support.

Easy Access and Convenience

At Alloy, we understand the importance of accessibility. That's why we provide comprehensive ATM & Cash Withdrawal Services along with basic drive-thru banking for quick deposits and withdrawals. Our ATMs allow you to check balances and perform transactions without stepping inside the branch. Our friendly staff is always available during lobby hours from Monday to Friday 8:00 AM to 4:30 PM, and even Saturday mornings from 9:00 AM to noon. You can reach us at (304) 574-4011 if you have any questions or need assistance.

Financial Assistance When You Need It

Life can be unpredictable, and sometimes you need extra support. That's where our Personal Loans & Debt Consolidation come into play. Whether you're facing unexpected expenses or looking to simplify your finances by consolidating debt, we're here for you. Additionally, our Credit Cards with Rewards can make your everyday purchases more rewarding. Enjoy cashback or points towards travel while managing your spending effectively.

Get Started Today!

Explore all these services and more at Fayetteville. Whether you're just starting out or looking for ways to enhance your financial well-being, we're here to help every step of the way. Visit us today or check out our website for more information! Your journey towards better financial health starts now!

Personal Banking Solutions

For those seeking personal banking services, we offer a variety of checking and savings accounts designed to fit your lifestyle. Imagine having the flexibility to manage your money easily with our online and mobile banking features. You can check balances, transfer funds, and pay bills from anywhere right at your fingertips! If you're considering purchasing a new car or refinancing an existing auto loan, our Auto Loans & Vehicle Financing options are here to help. Picture driving off in your dream vehicle without breaking the bank on high-interest rates. We also provide Mortgage Loans & Refinancing for those ready to invest in a home or save on their current mortgage payments.

Digital & Online Banking

Enhanced Security and Convenience

Security is a top priority for us. Although we currently do not offer electronic signature authorization, rest assured that our systems are equipped with the latest security measures to protect your personal information. We want you to feel confident using our online services. For added convenience, we also support person-to-person transfers, allowing you to send money quickly to friends or family without hassle. While we don't have a dedicated mobile application yet, our website is fully optimized for mobile use, ensuring you can manage your finances from any device effortlessly. In summary, Alloy provides a comprehensive digital banking experience that empowers you to take control of your finances with ease and confidence. Whether it's accessing e-statements or making quick payments, we're here to support your financial journey every step of the way!

Key Features

With our 24/7 online banking services available at https://alloyfcu.com/, you can check your account balances, transfer funds, and pay bills right from the comfort of your home or on the go. Our online banking is designed to be straightforward and intuitive, so you can focus on what matters most without getting bogged down by complicated processes. If you're someone who prefers to keep things digital, our e-statements are a great option. You can opt for electronic statements instead of paper ones, which not only helps the environment but also keeps your financial information organized and easily accessible. Plus, with mobile payments enabled at Alloy, making purchases has never been easier just tap your phone!

Financial Strength

Commitment to Excellence

Our $0 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 5 full-time employees and 4 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Growing Member Base

With 5,808 total share accounts, we showcase a strong and growing member base that trusts us with their finances. This trust is the backbone of our operations as we strive to meet your needs every day. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Alloy is your trusted partner. Visit us at 515 Hinkle Rd Fayetteville Wv 25840 or call (304) 574-4011 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Lending Capacity

Our lending capacity supports your financial goals across various sectors. We currently have $579 in used auto loans and $19,779,735 in total loans and leases available for our members. This means more opportunities for you to achieve your dreams whether it's buying a new car or funding other important projects.

Member-Centric Focus

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. This approach allows us to reinvest in innovative banking tools and stronger lending options.

Secure Savings Options

Your savings are secure with us. We have $2,803,294 in share certificates, which provide stable and rewarding financial growth opportunities. While we currently do not hold any money market shares, our focus remains on offering valuable savings options tailored to your needs.

Strong Financial Health

With a net worth of $3,926,115, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,495 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 $10,445,180 in used vehicle loans and $3,118,195 in new vehicle loans already helping members get on the road. Whether you're purchasing a brand-new vehicle or a reliable used one, our financing options are tailored to fit your budget.

Credit Lines and More

For those who prefer having access to flexible funds, our total credit lines amounting to $1,000,000 provide an easy solution for unexpected expenses or planned purchases. If you're interested in refinancing any existing loans, we encourage you to explore your options with us. Our team is here to discuss eligibility and help you find the best solution that fits your needs. At Alloy, we're dedicated to providing personalized service and competitive rates so that you can focus on what truly matters achieving your financial dreams. For more information about our loan offerings or to get started today, feel free to contact us at (304) 574-4011 or visit us at our branch located at 515 Hinkle Rd Fayetteville Wv 25840 in Fayetteville, WV. For performance insights and financial data sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results, feel free to reach out! We're here to help you every step of the way.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $29,961, make buying or refinancing simple. We aim to provide you with the support and guidance needed for this significant investment, ensuring you feel confident throughout the process.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $0 in loans helping members manage their finances effectively. This can be an excellent option if you need quick access to funds without collateral.

Loan Aggregator

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How LendMesh Ensures Accurate 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 commitment to accuracy ensures that users receive fair and transparent offers.

Alloy