BAYLANDS FAMILY CREDIT UNION

Welcome to Baylands Family, your trusted partner in financial growth since 1946. Located at 2004 Main Street, West Point, VA 23181, we take pride in being a cornerstone of our community, serving over 5,734 members with dedication and care. As a member-focused credit union, our mission is to provide you with personalized banking solutions tailored to meet your unique needs. At Baylands Family, we understand that financial stability is key to achieving your dreams. That's why we have built a strong foundation with total assets of $89,218,846 and total deposits amounting to $3,730,413. Our commitment to sound financial practices has resulted in a net worth of $8,195,761, allowing us to offer you competitive rates on loans and savings accounts. With an impressive portfolio that includes 3,938 loans, we are here to help you finance your next vehicle or home purchase. We also prioritize convenience through our modern online and mobile banking services. Whether you're looking for personal loans or business banking solutions, we've got you covered! Our team is led by CEO Teresa Millis and Board President Joseph Drexler III, who are dedicated to ensuring that every member feels valued and supported. With a staff of 33 employees, we're always ready to assist you with any questions or concerns you may have. While members can visit us at our branch location, official correspondence should be sent to PO BOX 392, WEST POINT, VA 23181. If you're interested in learning more about what we offer or how we can assist you financially, don't hesitate to reach out at 804-843-2520 or explore our website at www.baylandsfcu.org. Join us today and experience the difference of being part of a community-driven credit union!

Becoming a member of Baylands Family is like stepping into a welcoming community where your financial needs are prioritized. If you're living, working, or worshipping in the West Point area, you're already on your way to joining us! We believe in making banking personal and accessible, which is why we invite anyone who meets our criteria to reach out. You can enjoy a wide range of benefits tailored for our members, from competitive loan rates to personalized service that makes you feel valued. For more detailed information about eligibility requirements, feel free to check out our resource at . Ready to take the next step? Opening an account with us is simple! Just visit our account opening page at http://www.baylandsfcu.org/forms/loan-application .aspx or give us a call at (804) 843-2520 for any questions you may have. We can't wait to welcome you into the Baylands Family family at our branch located at 2004 Main Street West Point Va 23181!

At Baylands Family, 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 are committed to maintaining a strong financial foundation to ensure that we can support you in achieving 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. With a net worth of $8,195,761, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 9.16% 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 $14,453,528 in share certificates and $11,265,504 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. With $7,052,419 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 significant; with $8,700 in used auto loans and $48,382,971 in total loans and leases, we support members' financial goals across various sectors. Our operational efficiency is reflected in our net income of $182,232, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 31 full-time employees and 2 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Net Shares (Funds available for lending and investments): $19,363. Total Share and Deposit Accounts: 11,030, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Baylands Family is your trusted partner. Visit us at 2004 Main Street West Point Va 23181 or call 804-843-2520 to learn more about how we can help you achieve your financial goals.