ARH Credit Union Middlesboro KY | Affordable Auto Loans & Checking

Introduction

Welcome to Arh Federal Credit Union, your trusted partner in financial wellness since 1971. Located at 3805 Cumberland Ave, Middlesboro, KY 40965, we are dedicated to serving our community with a personal touch. With over 3,745 members, we pride ourselves on providing tailored financial solutions that fit your needs. At Arh, we understand that banking is more than just transactions; it's about building relationships and fostering trust. Our assets total an impressive $19,243,450, reflecting our commitment to stability and growth for our members. We hold $6,733,035 in deposits and maintain a solid net worth of $4,985,123, ensuring that your money is safe and sound with us. Our team of six dedicated employees is led by CEO Kim Helton and Board President Micheal Justice, who are passionate about making a positive impact in the lives of our members. We offer a variety of services including checking and savings accounts, auto loans, mortgage refinancing, personal loans, and business banking solutions all designed with you in mind. While members can visit us at our branch location, official correspondence should be sent to P.O. BOX 1447, Middlesboro, KY 40965 if needed. Whether you're looking for financial advice or planning your next investment, we're here to help. Explore our website at arhfcu.org for more information about how we can assist you on your financial journey. Feel free to give us a call at 606-248-8566 we're here to help you achieve your goals!

Branch History & Mission

Community Engagement

We take pride in being more than just a credit union; we are an active participant in enhancing the lives of those around us. Our outreach efforts include partnerships with local organizations aimed at improving financial literacy and providing resources for those in need. By investing in our community's well-being, we help create a brighter future for everyone. As we look ahead, Arh Federal Credit Union remains committed to innovation while upholding the values that have guided us for over five decades. We are continually exploring new ways to improve member experience and ensure everyone feels welcome. Join us today and discover how Arh Federal Credit Union can help you reach your financial dreams! Visit our website at arhfcu.org or call us at 606-248-8566 for more information on becoming a member or exploring our services. Experience the difference that comes from being part of a community-focused credit union!

Our Mission

At Arh Federal Credit Union, our mission is clear: we aim to empower individuals and families through accessible financial services while contributing positively to our community. We believe that everyone deserves the opportunity to achieve their financial goals, and we strive to make that possible through personalized service and support. Our operating hours reflect our commitment to convenience; we're open from 7:30 AM - 4:00 PM Monday through Wednesday, and 7:30 AM - 5:00 PM Thursday and Friday. For those who prefer drive-thru banking, we offer this service for quick transactions. Although we do not currently have ATM availability at our branch, we encourage members to take advantage of online and mobile banking options for easy account management. While members can visit us at 3805 Cumberland Ave, official correspondence should be sent to P.O. BOX 1447, MIDDLESBORO, KY 40965 if needed.

Branch Location & Accessibility

Connect With Us

If you have questions or need assistance before your visit, feel free to give us a call at 606-248-8566. Our dedicated staff is eager to provide support and answer any inquiries you may have. While members can visit us at 3805 Cumberland Ave, official correspondence should be sent to P.O. BOX 1447, Middlesboro, KY 40965. We invite you to stop by Arh Federal Credit Union today and experience the difference that personalized service makes in your banking journey!

Getting Here

Our branch is situated near several local landmarks, making it easy to find. If you're coming from downtown Middlesboro, just head south on Cumberland Ave, and you'll spot us right away! For those driving in, we offer ample parking spaces right outside our doors. Plus, our facility is designed with accessibility in mind, featuring ramps and ADA-compliant entryways to ensure everyone can visit us comfortably.

Services Offered

At Arh Federal Credit Union, we believe in providing a full suite of services tailored to your needs. Enjoy basic drive-thru banking for quick deposits and withdrawals without leaving your vehicle. While we currently do not have ATM services available at this branch, our team is ready to assist with all your banking transactions during business hours. Speaking of which, we're open Monday through Wednesday from 7:30 AM to 4:00 PM, and Thursday and Friday until 5:00 PM perfect for early risers or those wrapping up their day!

Member Eligibility

Becoming a member of Arh feels like joining a welcoming family that truly cares about your financial well-being. If you're in the Middlesboro area, or if you have a connection to our community, you're likely eligible to join us! We invite anyone who lives, works, worships, or goes to school in Bell County to become part of our cooperative. Membership not only opens the door to a range of financial services but also grants you access to exclusive benefits tailored just for our members. Getting started is simple! You can find all the details about eligibility by visiting http://www.arhfcu.org/membership.html. If you're ready to take the next step and open an account, head over to https://my.homecu.net/eforms/loanapp.prg?id=f06l%2fkxarwlyizfr6lwplg%3d%3d&appinit=1. Our friendly team is here to assist you every step of the way, so don't hesitate to call us at (606) 248-8566 if you have any questions. Join us at Arh, located at 3805 Cumberland Ave Middlesboro Ky 40965, and experience the support and resources we offer!

Business Banking & Commercial Services

Business Loan Options

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 today's fast-paced marketplace, having efficient payment processing is crucial. Our merchant services provide businesses with the tools they need to accept payments easily and securely. Imagine being able to serve customers better by offering multiple payment options right at your fingertips. Whether it's in-store or online, our services streamline transactions so you can focus on what really matters growing your business. Located at 3805 Cumberland Ave Middlesboro Ky 40965, Middlesboro, KY, we invite you to visit us or call us at (606) 248-8566 to learn more about how we can assist you in reaching your business goals.

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about purchasing a new vehicle? Our auto loans and vehicle financing options are here to assist. We offer competitive rates that make it easier for you to drive away in your dream car without breaking the bank. Picture yourself hitting the road with a reliable vehicle, all while enjoying manageable monthly payments tailored to fit your budget.

Business Banking Services

If you're a business owner, we understand how crucial it is to have reliable banking support. Our business banking services include merchant services and business loans designed to support growth and day-to-day operations. We're committed to helping local businesses thrive by offering tailored financial solutions.

Convenience at Your Fingertips

At Arh, convenience is key. We offer basic drive-thru banking services for quick transactions like deposits and withdrawals perfect for those busy days when time is tight. Plus, with features like online banking and person-to-person payment options available at your fingertips, managing your finances has never been easier. We invite you to visit us at 3805 Cumberland Ave Middlesboro Ky 40965 or give us a call at (606) 248-8566 if you have any questions or need assistance with any of our services. Join us today at Arh Federal Credit Union where your financial well-being is our top priority!

Credit Cards with Rewards

For those who love earning rewards on their purchases, our credit cards are an excellent choice. With benefits like cashback and points for travel or merchandise, every swipe brings you closer to exciting rewards.

Mortgage Loans & Refinancing

Homeownership is a significant milestone, and at Arh, we want to help you achieve it. Our mortgage loans provide flexible terms and competitive interest rates, making it simple for you to find the right loan for your home purchase. If you're considering refinancing an existing mortgage, our team can guide you through the process, ensuring that you get the best deal possible.

Personal Banking Solutions

Our personal banking services are designed to help you manage your money effectively. Whether you're looking for checking and savings accounts or need assistance with budgeting, we've got you covered. Imagine easily accessing your funds through our user-friendly online and mobile banking platforms, where you can check balances, transfer money, and pay bills from the comfort of your home or on the go.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way. Whether it's medical bills or necessary home repairs, our personal loans offer a helping hand when you need it most. Additionally, if you're feeling weighed down by multiple debts, consider our debt consolidation options. We aim to simplify your payments into one manageable loan, making it easier for you to regain control of your finances.

Digital & Online Banking

Key Features

Our 24/7 online banking service ensures that you have round-the-clock access to your accounts. Whether you're checking balances, transferring funds, or reviewing transactions, everything is just a click away. Plus, if you're looking to send money quickly to friends or family, our person-to-person transfer feature makes it simple to send cash without the hassle of writing checks or handling cash. For those who prefer mobile banking, our user-friendly mobile application allows you to manage your finances on the go. You can download it today and enjoy features like easy account management right from your smartphone. While we currently don't support mobile payments, our app still provides you with all the tools you need for effective banking.

Security and Accessibility

We understand that security is a top concern when it comes to online banking. That's why Arh prioritizes the protection of your information through advanced security measures. We also offer electronic statements for those who prefer going paperless, making it easier to track your finances while reducing clutter. Even though we don't utilize electronic signature authorization at this time, we are committed to ensuring that all of your transactions are secure and straightforward. Our digital services aim to provide a seamless experience so you can focus on what truly matters your financial well-being. With Arh, managing your money has never been easier or more secure. Explore all the digital services available by visiting https://www.arhfcu.org/ today!

Financial Strength

At Arh, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We understand that your trust is paramount, and our robust financial health is what allows us to serve you effectively. With a net worth of $4,985,123, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 25.91% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $3,232,922 in share certificates, offering stable and rewarding financial growth opportunities. This reflects our commitment to creating a secure environment for your hard-earned money. Additionally, 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. Our success is further highlighted by $4,259,415 in undivided earnings, which we reinvest into innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. The lending capacity of Arh supports your financial goals across various sectors, as demonstrated by our $279 in used auto loans and $10,244,111 in total loans and leases. Furthermore, our operational efficiency is reflected in our $45,014, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 6 full-time employees ready to assist you with knowledgeable service. Our commitment extends beyond just numbers; it's about building lasting relationships with our community. With 6,616 showing a strong and growing member base that trusts us with their finances, we are dedicated to being there for you every step of the way. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Arh is your trusted partner. Visit us at 3805 Cumberland Ave Middlesboro Ky 40965 or call (606) 248-8566 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.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $3,171,536 in used vehicle loans and $1,562,427 in new vehicle loans already helping members get on the road. We make it easy for you to choose the right financing option for both new and used vehicles.

Credit Lines

If you're interested in additional financial flexibility, our credit lines totaling $1,000,000 provide just that. This option allows you to access funds when needed while only paying interest on what you borrow. At Arh, we prioritize our members' financial well-being and are committed to making borrowing straightforward and accessible. For those considering refinancing options, we can help determine eligibility and tailor solutions specifically for you. For any inquiries or to start your loan application process, feel free to reach out to us at (606) 248-8566 or visit us at our branch located at 3805 Cumberland Ave Middlesboro Ky 40965 in Middlesboro, KY. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Discover how our loan products can work for you today!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $300,564, make buying or refinancing simple. We are here to guide you through the process and find a solution that fits your budget and needs.

Unsecured Credit Card Loans

For those looking to manage everyday expenses more effectively, we also offer flexible terms on unsecured credit card loans, with a total of $0 in loans available. This can be an excellent way to handle purchases without the burden of high-interest rates.

Loan Aggregator

Accurate Loan 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 ensures that users receive fair and transparent offers. Each lender's information is regularly updated to reflect current market conditions, giving users a reliable snapshot of available options.

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions. Thousands of users trust LendMesh for their loan comparisons. One member shared, "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This kind of feedback underscores the tool's effectiveness in helping individuals secure better financing options. Compare real-time loan offers today at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

ARH FEDERAL CREDIT UNION - Middlesboro, KY

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