Baylands Family Credit Union Williamsburg VA | Best Auto Loans & Business Banking

Introduction

Welcome to Baylands Family, your trusted community partner in financial growth and support, located at 7031 Richmond Rd, Williamsburg, VA 23188. Since our establishment in 1946, we have proudly served our members with a commitment to excellence and a passion for community welfare. With over 5,700 members and total assets exceeding $89 million, we are dedicated to providing personalized banking solutions tailored to meet your needs. At Baylands Family, we believe that everyone deserves access to quality financial services. We offer a wide range of products including checking and savings accounts, auto loans, mortgage loans, and business banking services. Our lending portfolio boasts over 3,900 loans, enabling us to support our members in achieving their financial dreams. Additionally, with total deposits reaching $3,730,413 and a net worth of $8,195,761, you can trust that your money is safe and sound with us. While members can visit us at our branch location for day-to-day banking needs, official correspondence should be sent to our mailing address: PO Box 392, West Point, VA 23181. Our friendly team, led by CEO Teresa Millis and Board President Joseph Drexler III, is here to assist you Monday through Friday from 9 AM to 5 PM (and until 6 PM on Fridays for drive-thru services) and Saturdays from 9 AM to 12 PM for drive-thru operations. We invite you to explore all the ways we can help you manage your finances effectively. Whether you're looking for an auto loan or need assistance with personal banking, we are just a phone call away at 804-843-2520 or you can visit our website at baylandsfcu.org for more information. Join us today and experience the difference of being a part of the Baylands Family!

Branch History & Mission

At Baylands Family, we take pride in our rich history and dedication to serving the community of Williamsburg, VA. Since opening our doors in 1946, we have grown from a small local credit union into a trusted financial partner for over 5,734 members. Our commitment to improving the financial well-being of our members is at the heart of everything we do. Located at 7031 Richmond Rd, Williamsburg, VA 23188, our branch is easily accessible for anyone seeking reliable banking services. Whether you're a long-time resident or new to the area, you'll find us nestled near familiar landmarks that make it easy to visit us. While members can visit us at this address for all their banking needs, official correspondence should be sent to our mailing address: PO Box 392, West Point, VA 23181. Our mission is straightforward yet impactful: to provide personalized financial solutions while supporting the community we love. At Baylands Family, we believe that when our members thrive, so does our community. This philosophy drives us to offer a range of services from personal and auto loans to mortgage financing and business banking. We are proud of our total assets of $89,218,846, which reflect our stability and commitment to responsible growth. Over the years, we've embraced digital advancements to enhance your banking experience. With features like online banking and mobile payments, managing your finances has never been easier. We also prioritize accessibility with ADA compliance and strive to meet everyone's needs through customer-centric initiatives. In addition to providing financial services, we actively engage in community outreach efforts. Through partnerships with local organizations and participation in events, we aim to uplift those around us and contribute positively to society. As we look ahead, we invite you to join us on this journey of growth and service. Experience firsthand the benefits of being a member at Baylands Family. Whether you need assistance with savings accounts or are interested in exploring loan options, we're here for you. Visit us during our operating hours Monday through Thursday from 9 AM to 5 PM; Friday until 6 PM; and Saturday Drive-Thru from 9 AM to 12 PM or give us a call at 804-843-2520. Together, let's build a brighter future for ourselves and our community!

Branch Location & Accessibility

Get in Touch

Whether you have questions about our services or need assistance, don't hesitate to reach out! You can call us at 804-843-2520. We look forward to serving you at Baylands Family your trusted partner in financial wellness. Come visit us today!

Nearby Landmarks and Accessibility

Situated just off the main thoroughfare, our branch is near popular spots like the Williamsburg Premium Outlets and the scenic Colonial Parkway. This prime location makes it easy to combine your banking needs with errands or a day out exploring. We take pride in providing ample parking for our members, as well as ADA-compliant facilities to ensure everyone can visit us without hassle.

Operating Hours and Services

We understand that life can get busy! That's why we're open Monday through Thursday from 9 AM to 5 PM, and on Fridays until 6 PM for those who need a little extra time to complete their banking tasks. If you're stopping by on Saturday, our Drive-Thru service is available from 9 AM to 12 PM. At Baylands Family, we offer a range of personal banking services including checking and savings accounts, auto loans, mortgage options, and even credit cards with rewards. Our friendly team is here to assist you with everything from basic transactions at our drive-thru to shared services for partner credit union members.

Member Eligibility

Becoming a member of Baylands Family is like joining a family that truly cares about your financial well-being. If you're looking to enjoy personalized service and great benefits, we welcome you with open arms! To become a member, you typically need to live, work, or worship in our community, which includes the vibrant neighborhoods around 7031 Richmond Rd Williamsburg Va 23188. Our goal is to make banking accessible and friendly for everyone, so don't hesitate to reach out if you have questions about your eligibility. You can find more detailed information on our eligibility criteria by visiting this link. Opening an account with us is a breeze! Whether you're interested in checking accounts, savings accounts, or loans, you can easily start the process through our online application available here. If you prefer speaking to someone directly, feel free to call us at (804) 843-2520. We're here to help you every step of the way and look forward to welcoming you into our community!

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 addition to loans, we offer merchant services that simplify payment processing. Imagine accepting payments seamlessly at your storefront or online, allowing you to focus on what matters most growing your business. Our services are designed to enhance your customer experience while keeping transactions secure. Visit us at 7031 Richmond Rd Williamsburg Va 23188 in Williamsburg, VA, or call us at (804) 843-2520 to learn more about how we can support your business goals today!

Comprehensive List Of Services

ATM and Drive-Thru Services

Need cash quickly? Our network of ATMs makes accessing your funds easy with basic withdrawal and balance check capabilities. Plus, for quick transactions like deposits or withdrawals, take advantage of our drive-thru banking service open late on Fridays until 6 PM and Saturday mornings until noon for your convenience.

Business Banking

For local businesses, Baylands Family offers dedicated support through our business banking services. From merchant services that streamline transactions to tailored business loans, we understand what it takes to run a successful venture. We're here to help you thrive in your business endeavors.

Credit Cards and Rewards

Shopping just got more rewarding! With our credit cards featuring rewards, you can earn points on everyday purchases. Whether it's groceries or gas, every swipe gets you closer to exciting rewards.

Digital Banking Convenience

In today's fast-paced world, convenience matters. That's why we've invested in robust online and mobile banking features. With just a few taps on your smartphone or clicks on your computer, you can check balances, transfer funds, and pay bills all from the comfort of your home or on-the-go.

Personal Banking

When it comes to personal banking, we have you covered. Whether you're looking to open a checking or savings account, or need help financing your next vehicle, our team is here to assist you every step of the way. Our auto loans and vehicle financing options offer competitive rates that can help you get behind the wheel without breaking the bank. If you're considering buying a home, our mortgage loans and refinancing services provide tailored solutions that can fit your budget and lifestyle. For those looking to consolidate debt or manage unexpected expenses, our personal loans offer flexible terms that make repayment manageable.

Shared Branch Transactions

As part of a larger network, we also offer shared branch transactions. This means if you're a member of another participating credit union, you can still conduct basic transactions like deposits and withdrawals at our branch. At Baylands Family, we're not just about transactions; we're about relationships. Our friendly staff is always available at 804-843-2520 to answer questions or guide you through our services. We invite you to visit us today at our Williamsburg location or explore more about how we can assist you by visiting our website. Join us in achieving your financial dreams!

Digital & Online Banking

Key Features for Your Convenience

Our online banking offers 24/7 access to your accounts, allowing you to check balances, pay bills, and transfer funds without the need to visit a branch. You can also enjoy the ease of e-statements, which means you'll never have to sift through paper clutter again. Plus, our mobile application puts everything right at your fingertips whether you're making payments or checking transactions on the go.

Real-Time Account Management

Managing your finances has never been easier. With our comprehensive online banking services, you'll have real-time access to your accounts. This means you can monitor spending habits and adjust budgets as needed all from the comfort of your home or while out and about. Experience the convenience of digital banking today at Baylands Family! Visit us online at https://www.baylandsfcu.org/ or call us at (804) 843-2520 for more information. Your financial well-being is just a click away!

Security and Accessibility

Your security is our top priority. While we don't currently support electronic signature authorization, we ensure that all your transactions are protected with robust security measures. Our mobile payments feature allows for safe and quick transactions directly from your smartphone. And if you need to send money to friends or family, our person-to-person transfer option makes it simple and instant.

Financial Strength

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 pride ourselves on our solid financial foundation, ensuring that your trust in us is well-placed. 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 916 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 supports members' financial goals across various sectors with $17,400 in used auto loans and $48,382,971 in total loans and leases. Our efficient operations are 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 and committed team. 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 7031 Richmond Rd Williamsburg Va 23188 or call 804-843-2520 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 $14,357,120 in used vehicle loans and $4,832,267 in new vehicle loans already helping members get on the road. Whether you're considering a new model or a reliable used option, we have financing solutions that make sense for your budget.

Credit Lines and Refinancing Options

Additionally, we provide access to credit lines totaling $27,721,250, allowing members to have available funds when needed without going through a lengthy application process each time. If you're interested in refinancing any existing loans for better rates or terms, our team can help assess your current situation and suggest options tailored to your needs. Our dedicated staff at Baylands Family is ready to assist you with every aspect of the loan process from application to approval. For more information about our loan offerings or to start your application today, feel free to contact us at 804-843-2520 or visit us at 7031 Richmond Rd Williamsburg Va 23188. 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 partner with you on your financial journey!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $2,194,427, make buying or refinancing simple. We provide various mortgage products to fit your unique needs and budget. Plus, our team is here to guide you through every step of the process.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $1,992,068 in loans helping members manage their finances effectively. These cards come with benefits that can help you build credit while enjoying the freedom of making purchases without collateral.

Loan Aggregator

Ensuring 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 approach ensures that users receive fair and transparent offers tailored to their financial needs. Each loan listing is backed by verified data, meaning you can trust the information presented to you.

Key Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency in every comparison. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions. The goal is to provide unbiased results that empower users to make informed decisions. - Real-Time Rate Comparisons: With up-to-date loan rates from multiple institutions, users can easily find competitive rates that fit their budget. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This testimonial reflects the genuine value LendMesh provides. 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.*

BAYLANDS FAMILY CREDIT UNION - Williamsburg, VA

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