Argent Credit Union Midlothian VA | Best Auto Loans & Business Banking

Introduction

Welcome to Argent, your trusted credit union located at 1901 Walmart Way, Midlothian, VA 23113. Since our establishment in 1987, we have been dedicated to providing exceptional financial services to our growing community of over 35,000 members. With total assets amounting to an impressive $495,079,807, Argent is committed to supporting your financial needs through a wide range of services including personal banking, auto loans, mortgage refinancing, and business banking. At Argent, we believe that every member deserves personalized attention and reliable solutions. Whether you're looking for a new vehicle loan or planning for your future with a savings account, our knowledgeable team is here to help. Our CEO, Jamie Asciolla, along with Board President Gary Miller, leads a passionate group of 89 employees who strive to make every interaction meaningful and beneficial. While members can visit us at our Midlothian branch for in-person assistance or drive-thru services, official correspondence should be directed to our mailing address: Post Office Box 72, Chesterfield, VA 23832. Our friendly staff is available during lobby hours from Monday through Thursday from 9 a.m. to 5 p.m., and on Fridays until 6 p.m. You can also reach us by phone at 804-748-9488. Argent is more than just a financial institution; we are part of the fabric of this community. With total deposits reaching $29,360,578 and net worth standing at $43,106,328, we are here to empower you financially while contributing positively to the local economy. Join us today and experience the difference that a member-focused credit union can make in your life! Ready to take the next step? Visit our website at www.argentcu.org or call us today!

Branch History & Mission

At Argent, located in the heart of Midlothian, Virginia, we pride ourselves on a rich history that spans over three decades. Established in 1987, our branch has grown alongside the community, evolving to meet the financial needs of our members. With a commitment to service and a focus on building lasting relationships, Argent has become a trusted partner for over 35,000 members. Situated at 1901 Walmart Way, our branch is easily accessible for those in Midlothian and surrounding areas. We invite you to visit us during our operating hours: Monday through Thursday from 9 a.m. to 5 p.m., and Friday from 9 a.m. to 6 p.m. For those who prefer drive-thru service, we offer this convenient option as well. Our mission is simple yet profound: to provide exceptional financial services while supporting our community's growth. At Argent, we believe that when our members thrive, so does the community. Our offerings include personal banking options like checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and business banking solutions. We also prioritize accessibility through online and mobile banking platforms, ensuring that our members can manage their finances effortlessly. While our main address is where you can find us for all your banking needs, official correspondence should be sent to Post Office Box 72, Chesterfield, VA 23832 if it differs from your visit to our branch. In addition to our traditional services, we are proud of our community outreach efforts. We work closely with local organizations to support initiatives that foster economic growth and improve quality of life in Midlothian and beyond. Our partnerships reflect our commitment to not only being a financial institution but also a responsible member of the community. As we look forward to the future, we remain dedicated to enhancing the member experience through innovations that cater to your needs while ensuring ADA compliance throughout our facilities. Join us at Argent and discover how we can help you achieve your financial goals while being part of a community-focused credit union. Experience the difference today! For more information or assistance, feel free to reach out at 804-748-9488 or visit us online at Argent. Together, let's build a brighter future!

Branch Location & Accessibility

Call to Action

Ready to experience convenient banking? We invite you to visit us at our Midlothian location or give us a call at 804-748-9488 for more information about how we can help you achieve your financial goals. Your satisfaction is our priority!

Nearby Landmarks and Accessibility

Our branch is situated near popular spots like Walmart and various dining options, making it a breeze to stop by while you run errands or grab a bite to eat. We prioritize accessibility for all our members, with features such as ADA-compliant ramps and ample parking available. Whether you're visiting for a quick transaction or need assistance with your banking needs, we aim to make your experience smooth and welcoming.

Operating Hours

We're here for you during convenient hours: Monday through Thursday from 9 a.m. to 5 p.m., and on Friday from 9 a.m. to 6 p.m. Feel free to drop in during these times; our friendly staff is eager to assist you with any questions or services you may require.

Services Offered

At Argent, we offer a wide range of services designed to meet your financial needs. From personal banking like checking and savings accounts to auto loans and mortgage financing, we've got you covered. Need cash? You can easily access our ATM or use our drive-thru service for quick deposits and withdrawals.

Member Eligibility

At Argent, we believe that everyone deserves a supportive financial community, and becoming a member is as easy as reaching out to us! If you live, work, or worship in the Midlothian area or are related to someone who does, you're already eligible to join our family. This means you can enjoy a wide range of benefits designed just for you, from competitive loan rates to personalized banking services. For more detailed eligibility criteria, feel free to visit our website at . Ready to take the next step? Opening an account with us is simple! Just head over to https://www.argentcu.org/loans-credit/apply-for-a-loan/ or give us a call at (804) 748-9488. We're excited to welcome you into the Argent community at 1901 Walmart Way Midlothian Va 23113, where your financial journey becomes our priority!

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 $7 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $42 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $3,646,149, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, we offer merchant services that make it easy for your business to accept payments. Picture this: a customer walks into your store, chooses their items, and pays effortlessly with a card. Our reliable payment processing solutions ensure that transactions are smooth and efficient, helping you focus on what you do best running your business. Located at 1901 Walmart Way Midlothian Va 23113 in Midlothian, VA, we're ready to partner with you on your journey to success. Contact us today at (804) 748-9488 to learn more about how we can assist your business!

Comprehensive List Of Services

Accessibility and Support

We believe that banking should be straightforward and user-friendly. That's why we provide basic drive-thru banking for quick deposits, withdrawals, and other simple transactions without leaving your car. You can also visit us directly at our branch during operating hours: Monday through Thursday from 9 a.m. to 5 p.m., and Friday from 9 a.m. to 6 p.m. At Argent, we're committed to making every member's experience as pleasant as possible by offering comprehensive services tailored specifically to their needs. If you're ready to explore how we can support your financial goals or if you have any questions about our offerings, don't hesitate to reach out! Call us at (804) 748-9488 or visit our website at Midlothian today!

Business Banking Services

If you run a business, Argent has specialized services just for you! Our business banking options include merchant services that facilitate seamless transactions and business loans designed to support your growth ambitions. We understand the unique challenges businesses face, and we're here to provide the financial tools necessary for success.

Digital Banking Convenience

In today's fast-paced world, having easy access to your accounts is essential. That's why we offer robust online and mobile banking platforms. Check balances, transfer funds, or pay bills anytime, anywhere with just a few clicks. Our members also enjoy the convenience of accessing cash through our ATM & cash withdrawal services, available at various locations for your ease.

Personal Banking Solutions

Whether you are just starting your financial journey or looking to manage your existing assets, our personal banking services have you covered. We offer checking and savings accounts designed to help you save for the future while enjoying easy access to your funds. If you're in need of financing for a new car or simply want to upgrade your vehicle, our auto loans and vehicle financing options come with competitive rates to make your purchase affordable. For those considering buying a home or refinancing an existing mortgage, our mortgage loans provide flexible solutions that fit various budgets. Additionally, our personal loans and debt consolidation services can assist you in managing expenses or consolidating debts into one manageable payment. And don't forget about our credit cards with rewards, perfect for everyday purchases that earn you points towards future rewards.

Digital & Online Banking

At Argent, we understand that managing your finances should be easy and secure. That's why we offer a range of digital and online banking services designed to fit your lifestyle, whether you're at home or on the go. With our 24/7 online banking service, you can access your accounts anytime through our website at https://www.argentcu.org/. You'll find it simple to check balances, make transfers, and pay bills without needing to visit a branch. Our user-friendly interface ensures that you can navigate through your financial tasks with ease. One of the great features of our online banking is the ability to manage your statements electronically. Say goodbye to paper clutter! With e-statements available, you can view and download your account statements anytime, keeping your financial records organized and accessible. For those who enjoy the convenience of mobile banking, our mobile application allows you to perform transactions directly from your smartphone. Even better, you can send money quickly with our person-to-person transfer feature. It's an easy way to pay back friends or share expenses without any hassle. Security is our top priority. While we currently do not offer electronic signature authorization, rest assured that all your transactions are protected by robust security measures. We strive to provide a safe environment for all your online activities. Additionally, if you like making payments on the go, you'll appreciate our mobile payments feature, which will be available soon. This will allow you to make quick purchases using just your smartphone. At Argent, we're committed to providing accessible and efficient banking solutions tailored for you. Experience the freedom of managing your finances anytime, anywhere with our digital banking services!

Financial Strength

A Growing Community

We currently manage 72,051, showcasing a strong and growing member base that trusts us with their finances. This trust fuels our dedication to providing exceptional service every day. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Argent is your trusted partner. Visit us at 1901 Walmart Way Midlothian Va 23113 or call (804) 748-9488 to learn more about how we can help you achieve your financial goals.

Efficient Operations

Our operational efficiency is reflected in our $3,562,370, allowing us to keep offering competitive loan rates and solid financial products tailored just for you. Additionally, we take pride in having 89 full-time employees ready to assist you with all your banking needs.

Focused on Members

Unlike traditional banks, we prioritize our members' needs. Currently, we have $0 in non-member deposits. This approach ensures that our resources are dedicated to benefiting you through better loan rates, lower fees, and exclusive perks designed specifically for our members.

Reinvesting for Your Benefit

With $33,886,908 in undivided earnings, we continuously reinvest back into innovative banking tools and stronger lending options. This commitment enhances our ability to serve you better while ensuring your assets are well-protected.

Secure Savings Opportunities

We understand how important it is for our members to feel secure in their savings. That's why your funds are protected through $145,917,476 in share certificates and $42,195,823 in money market shares. These options not only offer stability but also rewarding growth opportunities for your hard-earned money.

Solid Financial Foundations

With a net worth of $43,106,328, we ensure robust financial health that allows us to serve our community effectively. Our net worth ratio of $870 demonstrates a solid capital foundation. This means we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Supporting Your Financial Goals

Our lending capacity is impressive, with $8,023 in used auto loans and $323,399,848 across various loans and leases. This support empowers you to achieve your financial goals, whether it's buying a car or securing a home loan.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $140,675,186 in used vehicle loans and $41,357,613 in new vehicle loans already helping members get on the road. Whether you're interested in financing a new vehicle or purchasing a reliable used car, our team at Argent can guide you through the process smoothly.

Business Loans

If you're a business owner, our outstanding commercial loans totaling $3,646,149 provide the capital needed to grow and expand your operations. We are committed to supporting local businesses and helping them thrive within the community.

Credit Lines and Unsecured Loans

For those needing extra flexibility, we provide credit lines totaling $133,997,250. These can help manage ongoing expenses or consolidate debt effectively. Additionally, we also offer flexible terms on unsecured credit card loans, with a total of $21,873,579 in loans helping members manage their finances efficiently.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $17,219,702. With various options available for first-time buyers and those looking to refinance existing mortgages, our experienced staff can assist you in finding the right solution for your situation.

Refinancing Options

If you're considering refinancing your current loans whether it's an auto loan or mortgage our team is here to discuss eligibility options and find ways to lower your payments or improve your financial situation. For any questions regarding our loan offerings or how to apply for a loan with us, please don't hesitate to contact us at 804-748-9488 or visit us at 1901 Walmart Way Midlothian VA 23113. 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 Argent, we're dedicated to providing personalized solutions that fit your life's unique needs. Explore our loan products today!

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Argent