Argent Credit Union North Chesterfield VA | Affordable Auto Loans & Mortgage Refinancing

Introduction

Welcome to Argent, your trusted partner in financial well-being located at 3611 Oxbridge Rd, North Chesterfield, VA 23236. Since opening our doors in 1987, we have proudly served our community, now boasting a membership of over 35,000 individuals who rely on us for their banking needs. At Argent, we understand that banking is about more than just numbers; it's about building relationships and supporting the dreams of our members. With total assets of $495,079,807 and deposits reaching $29,360,578, we are committed to ensuring your hard-earned money is safe and accessible. Our dedicated team of 89 employees, led by CEO Jamie Asciolla and Board President Gary Miller, is here to provide personalized service tailored to your unique financial journey. While you can visit us at our branch for services like checking accounts, auto loans, and mortgages, please note that any official correspondence should be sent to our mailing address: Post Office Box 72, Chesterfield, VA 23832. Join us at Argent where we focus not only on providing competitive rates but also on fostering a supportive environment for all members. Whether you're looking to purchase a new vehicle or secure a loan for your business, we have the tools and expertise to help you succeed. Feel free to reach out at 804-748-9488 or explore our website at www.argentcu.org for more information about our services. We invite you to experience the difference with Argent where your financial goals become our priority!

Branch History & Mission

Community Engagement

Our commitment extends beyond just financial services; we actively engage with the local community through various outreach programs and partnerships aimed at making a positive impact. We believe that by supporting local initiatives and helping our neighbors thrive, we contribute to a stronger community for all. Join us at Argent and experience the difference of being part of a credit union that truly cares about its members and their financial futures. We invite you to explore how we can support your goals today! To learn more or start your journey with us, call us at (804) 748-9488 or visit our website.

Our Mission

At Argent, our mission is simple yet impactful: to empower our members through reliable financial services while actively contributing to the well-being of our community. We believe in building lasting relationships with each member by offering personalized service and expert advice tailored to individual circumstances. Whether you are opening your first savings account or seeking financing for your dream home, we are here to help you every step of the way. We also recognize the importance of accessibility. That's why we offer convenient operating hours from Monday to Friday, 9 a.m. - 6 p.m., and Saturday from 9 a.m. - 12 noon. For those on the go, we provide ATM services and drive-thru banking for quick transactions without sacrificing personal service. While members can visit us at 3611 Oxbridge Rd North Chesterfield Va 23236, official correspondence should be sent to Post Office Box 72, Chesterfield, VA 23832.

Branch Location & Accessibility

Convenient Access

At Argent, we understand the importance of accessibility. Our branch features ample parking and is designed to be ADA compliant, ensuring that everyone can easily access our services. Whether you're visiting for personal banking or need assistance with loans, our team is ready to help.

Operating Hours

We invite you to visit us during our welcoming hours: Monday through Friday from 9 a.m. to 6 p.m., and on Saturday from 9 a.m. to 12 noon. These extended hours allow you the flexibility to handle your banking needs when it's most convenient for you.

Services and Features

At our Oxbridge location, you'll find a variety of services tailored to meet your financial needs. From checking and savings accounts to auto loans and mortgages, we offer comprehensive personal banking solutions. Need quick access? Enjoy our drive-thru service for simple transactions without leaving your car. Plus, we have an ATM available for cash withdrawals and balance checks anytime. While members can visit us at 3611 Oxbridge Rd, official correspondence should be sent to our mailing address: Post Office Box 72, Chesterfield, VA 23832. If you have any questions or want to learn more about what we offer, don't hesitate to reach out! Give us a call at 804-748-9488. We look forward to welcoming you at Argent!

Member Eligibility

Becoming a member of Argent is like joining a close-knit community where your financial well-being is the priority. If you're interested in joining us at our branch located at 3611 Oxbridge Rd North Chesterfield Va 23236, you'll be pleased to know that eligibility is designed to be inclusive. Generally, we welcome anyone who lives, works, worships, or attends school in the area. It's all about building connections and supporting one another! Plus, as a member, you gain access to an array of benefits, including personalized service and competitive rates on loans and savings. To kickstart your membership journey, simply visit us online or give us a call at (804) 748-9488 for more information. For complete details on eligibility criteria and how to become a member, check out our website. Opening an account is straightforward and can be done through this link: https://www.argentcu.org/loans-credit/apply-for-a-loan/. We can't wait to welcome you into the Argent family!

Business Banking & Commercial Services

Merchant Services That Matter

Imagine having a payment solution that not only accepts payments but also streamlines your sales process. Our merchant services empower you to handle transactions effortlessly, allowing you to focus on what really matters growing your business. From point-of-sale systems to online payment processing, we provide the tools you need to thrive in today's market. Visit us at 3611 Oxbridge Rd North Chesterfield Va 23236 in North Chesterfield, VA, or give us a call at (804) 748-9488 to learn how we can help your business flourish!

Tailored 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.

Comprehensive List Of Services

Business Banking Services

For our business members, Argent offers comprehensive Business Banking solutions including merchant services and business loans that cater to small businesses looking to grow and thrive in today's market. We understand the challenges entrepreneurs face and are dedicated to helping your business succeed.

Convenient Access Anytime

We also recognize the importance of convenience in banking today. With our Online & Mobile Banking, managing your finances is just a few clicks away. You can deposit checks, pay bills, and even conduct person-to-person transactions directly from your smartphone. For those who prefer traditional banking methods, we provide ATM & Cash Withdrawal Services, along with basic drive-thru banking for quick transactions like deposits and withdrawals without leaving your car.

Home Financing Made Easy

When it comes to homeownership, our Mortgage Loans & Refinancing services can guide you through the process smoothly. We know that buying a home is one of the biggest decisions you'll ever make, and we're here to ensure it's as simple as possible. Our experts will work with you to find the best mortgage option that suits your financial situation.

Let Us Help You Today

At Argent, we're dedicated to making banking easy and accessible for everyone in the community. Whether you're visiting us at our branch or using our digital services, we're here for you. If you have questions about any of these services or need assistance, don't hesitate to reach out at (804) 748-9488. Join us today and experience the difference! For more information about how we can assist you further, visit us at our website.

Personal Banking Solutions

We understand that managing your finances can sometimes feel overwhelming. That's why at Argent, we offer Personal Banking options including checking and savings accounts designed for everyday use. Our accounts come with features that make banking easier, such as online and mobile banking access, allowing you to check balances or transfer funds from anywhere. If you're considering purchasing a new car or refinancing your existing vehicle, our Auto Loans & Vehicle Financing solutions are designed with competitive rates and flexible terms to fit your budget. Imagine driving off in that new car while knowing you got a great deal!

Support for Everyday Needs

Life can be unpredictable, which is why having access to Personal Loans & Debt Consolidation options is essential. Whether you need funds for unexpected expenses or want to streamline your debt payments, our loan products can help get you back on track. Additionally, if you're looking for ways to manage spending while earning rewards, consider our Credit Cards with Rewards program. Enjoy benefits like cashback on purchases and points towards travel or merchandise.

Digital & Online Banking

Conclusion

With features like e-statements, person-to-person transfers, and a convenient mobile app, managing your finances has never been easier. At Argent, we're here to support you every step of the way in achieving financial peace of mind through our digital banking services. Explore more about what we offer today by visiting https://www.argentcu.org/.

Easy Access to Your Accounts

With our 24/7 online banking services available at https://www.argentcu.org/, you can check your balances, view transactions, and manage your accounts right from the comfort of your home or on the go. Whether it's day or night, your financial information is just a click away.

On-the-Go Banking

For those who prefer using their mobile devices, our mobile application is readily available. It allows you to perform all your banking tasks on the go from checking balances to making transfers making it easier than ever to stay on top of your finances.

Secure Transactions

Security is a top priority at Argent. While we currently do not offer electronic signature authorization for transactions, rest assured that our online and mobile platforms utilize robust security measures to keep your personal information safe.

User-Friendly Features

Our online platform makes banking straightforward and user-friendly. You can enjoy e-statements for easy access to your account statements without the clutter of paper. Plus, if you need to send money to friends or family quickly, our person-to-person transfer feature makes it simple and fast.

Financial Strength

Commitment to Growth and Innovation

With $33,886,908 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is robust; with $8,023 in used auto loans and $323,399,848 in total loans and leases, we support your financial goals across various sectors.

Growing Membership Base

Total Share and Deposit Accounts stand at 72,051, showing a strong and growing member base that trusts us with their finances. This growth not only signifies our reliability but also enhances the overall stability of our operations. 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 3611 Oxbridge Rd North Chesterfield Va 23236 or call (804) 748-9488 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings Solutions

Members' savings are secured through $145,917,476 in share certificates and $42,195,823 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 $1,305,762 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 89 full-time employees ready to assist you, ensuring our branches are always equipped with a knowledgeable team committed to your needs.

Strong Financial Health

With a net worth of $43,106,328, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 8.70% 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 $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 brand-new model or a reliable pre-owned vehicle, our team can guide you through the process smoothly.

Business Loans

For business owners looking to expand or innovate, our outstanding commercial loans totaling $3,646,149 provide the capital needed to grow your enterprise. We understand the unique challenges faced by businesses today and are committed to supporting local entrepreneurs with customized lending solutions. At Argent, we believe everyone deserves access to the financial resources they need. If you're considering refinancing any existing loans or want to learn about eligibility options for our various loan products, please reach out to us directly or visit our website at Argent. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let us help you navigate your financial journey today!

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, which provide flexible solutions for first-time buyers and seasoned homeowners alike. Our competitive rates and terms mean you can find a mortgage plan that fits your budget.

Unsecured Credit Card Loans

Managing finances can be challenging at times. We also offer flexible terms on unsecured credit card loans, with a total of $21,873,579 in loans helping members manage their finances effectively. With no collateral required, our credit cards come with attractive rewards and benefits tailored to fit your lifestyle.

Loan Aggregator

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Reliable Data Sources

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 ensures fair and transparent offers that users can trust.

ARGENT FEDERAL CREDIT UNION - North Chesterfield, VA

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