Beach Municipal Credit Union Virginia Beach VA | Affordable Auto Loans & Low Mortgage Rates

Introduction

Welcome to Beach Municipal, your trusted financial partner located at 4164 Virginia Beach Blvd, Virginia Beach, VA 23452. Since our establishment in 1970, we have been dedicated to serving our community with personalized banking solutions and a commitment to member satisfaction. With a robust membership of over 9,168 individuals, we take pride in being more than just a credit union; we're a community hub where your financial well-being is our top priority. At Beach Municipal, we understand that financial stability is crucial for families and businesses alike. That's why we manage total assets of $166,124,164 and provide a wide array of services tailored to meet your needs. From personal checking and savings accounts to auto loans and mortgage options, our offerings are designed to empower you on your financial journey. Under the leadership of our CEO, Geri Metzger, and Board President, Nianza Wallace, we strive to foster an environment of trust and transparency. Our dedicated team of 34 employees is here to assist you with all your banking requirements. Whether you need help navigating loan options or setting up online banking, we're just a phone call away at 757-333-7787. While members can visit us at our branch location, official correspondence should be sent to the same address: 4164 Virginia Beach Blvd, Virginia Beach, VA 23452. Join us today and experience the difference at Beach Municipal. Explore how we can support your financial goals by visiting our website at beachmunicipal.org. Your journey towards financial empowerment starts here!

Branch History & Mission

Join Us

We invite you to experience the benefits of being part of the Beach Municipal family. While members can visit us at 4164 Virginia Beach Blvd, official correspondence should be sent to 4164 Virginia Beach Blvd, Virginia Beach, VA 23452 if needed. With operating hours from 9 AM to 5 PM Monday through Thursday, 9 AM to 5:30 PM on Friday, and 9 AM to 1 PM on Saturday, we are here when you need us most. Become a member today and discover how Beach Municipal can help you achieve your financial dreams while being part of a caring community. For more information or assistance, feel free to reach out at 757-333-7787 or visit us online at Beach Municipal. Join us as we build a brighter future together!

Our Commitment to Community

Our mission goes beyond just banking; it's about making a real impact in the lives of those we serve. We are dedicated to supporting local initiatives and partnerships that uplift our community. Whether it's sponsoring local events or participating in outreach programs, Beach Municipal aims to create a positive difference in Virginia Beach. As we continue to grow and embrace digital advancements like online banking and mobile apps, we remain committed to ensuring that all members can access our services easily and securely. Our facilities are ADA compliant, and we offer various services including ATM availability and drive-thru banking for your convenience.

Branch Location & Accessibility

Welcome to Beach Municipal, your friendly neighborhood credit union located at 4164 Virginia Beach Blvd, Virginia Beach, VA 23452! Our branch is nestled in a bustling area of Virginia Beach, making it easy for you to stop by for all your banking needs. Whether you're near the local shops or heading to the beach, we're just a quick visit away. While our main address is 4164 Virginia Beach Blvd, please note that any official correspondence can be sent to the same address. We take pride in offering a convenient and accessible location for all our members. Our branch is fully ADA compliant, ensuring everyone can enjoy our services without hassle. Plus, ample parking is available right outside, so you can easily find a spot. We understand that life gets busy, which is why we offer flexible operating hours to fit your schedule. You can visit us Monday through Thursday from 9 AM to 5 PM, and on Friday from 9 AM to 5:30 PM. For those who prefer weekend banking, our drive-thru service is open on Saturday from 9 AM to 1 PM. Need cash? We've got you covered with ATM availability right at our location. And if you prefer the convenience of drive-thru banking, we provide basic services like deposits and withdrawals to make your experience smooth and efficient. Additionally, if you're a member of another participating credit union, feel free to take advantage of our shared service center for simple transactions as well. Have questions or need assistance? Don't hesitate to give us a call at 757-333-7787. Our friendly staff is ready to help you with everything from personal banking accounts and auto loans to online services. We invite you to come visit us at Beach Municipal! Let us be your trusted partner in achieving your financial goals.

Member Eligibility

Joining the Beach Municipal community means becoming part of a family that truly cares about your financial well-being. To become a member, you simply need to meet a few friendly eligibility criteria. If you live, work, or worship in Virginia Beach, or if you are an immediate family member of someone who does, you're already on the right path! You can find all the specific details about who qualifies by visiting our eligibility page at http://www.beachmunicipal.org/about-us/who-can-join/join-today . Opening an account is just as easy! We welcome new members with open arms and offer various accounts tailored to fit your needs. Whether you're looking for personal banking services or loans, you'll discover that being a member at Beach Municipal comes with great benefits and support. If you're ready to take the next step or have questions, don't hesitate to call us at 757-333-7787. We're here to help you every step of the way!

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 $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

Imagine a local café that needs a reliable way to process payments quickly during the morning rush. Our merchant services can provide just that easy-to-use solutions that keep transactions smooth and customers happy. From credit card processing to online payment options, we offer tools that fit the needs of today's busy business owners. With locations like ours at 4164 Virginia Beach Blvd Virginia Beach Va 23452, Virginia Beach, VA, we're here to support your business every step of the way. Let's work together to make your business vision a reality! For more information, call us at (757) 333-7787 or visit our website at https://www.beachmunicipal.org/ .

Comprehensive List Of Services

ATM and Cash Withdrawal Services

With ATMs available at our branch, withdrawing cash is straightforward and quick. You can also enjoy basic drive-thru banking for deposits, withdrawals, and simple transactions without leaving your vehicle.

Business Banking Services

For our business members, we offer merchant services and business loans that can help grow your enterprise. We recognize the challenges small businesses face and aim to provide flexible solutions that meet your unique requirements.

Home Financing Options

If you're considering buying a home or refinancing your current mortgage, we've got you covered. Our mortgage loans and refinancing options are designed to make the home-buying process as smooth as possible. We take the time to understand your needs and guide you through each step.

Online and Mobile Banking

In today's fast-paced world, convenience is key. With our online and mobile banking services, managing your finances has never been easier. You can access your accounts anytime, anywhere whether it's checking balances or transferring funds.

Personal Banking Solutions

Managing your money shouldn't be complicated. At Beach Municipal, we offer a variety of personal banking options, including checking and savings accounts tailored to fit your lifestyle. Whether you're saving for a special occasion or looking for everyday banking solutions, our team is ready to assist you.

Personal Loans and Credit Cards

Need some extra cash for an unexpected expense? Our personal loans can help you manage those financial bumps in the road. Plus, our credit cards come with rewards that benefit you every time you use them making everyday purchases even more rewarding.

Shared Branch Transactions

As part of our commitment to accessibility, we also offer shared branch transactions for members of partner credit unions. This means you can easily deposit or withdraw funds even when you're away from home. If you're ready to explore how these services can benefit you, don't hesitate to reach out! Call us at 757-333-7787 or visit us at Beach Municipal today. Let's work together on your financial journey!

Vehicle Financing

Looking to buy a new car? Our auto loans and vehicle financing services make it easy for you to drive away with the car of your dreams. We know that purchasing a vehicle is a big decision, so we work with you to find financing options that suit your budget.

Digital & Online Banking

Convenient Online Banking

With our 24/7 online banking services available at https://www.beachmunicipal.org/ , you can access your accounts whenever you need to. Check balances, transfer funds, or pay bills with just a few clicks. Whether it's early morning or late at night, our platform is always ready to help you stay on top of your finances.

Easy Account Management

One of the standout features of our online banking is the ability to sign documents electronically. With Yes, you can complete transactions without the hassle of printing and mailing paperwork. It's quick, safe, and helps reduce your carbon footprint! Additionally, if you prefer going paperless, we offer e-statements through Yes. This way, you can receive your account statements directly in your inbox, reducing clutter while keeping all your important information secure.

Mobile Banking at Your Fingertips

For those who like to bank on the go, our mobile application is available for download. With it, you can manage your accounts right from your smartphone. From checking balances to making person-to-person transfers using Yes, our app puts the power of banking right in your pocket. And don't worry about security; we take it seriously. Our systems are designed to protect your information so you can use mobile payments safely when they become available. In summary, Beach Municipal offers a user-friendly approach to digital and online banking that empowers you to manage your money effortlessly and securely. Explore our services today at https://www.beachmunicipal.org/ and experience how easy banking can be!

Financial Strength

Committed Team Support

We also take pride in having 34 full-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team. This dedicated workforce reflects our promise to provide personalized service tailored to your needs.

Growing Membership Trust

Total Share Accounts stand at 18,882, showing a strong and growing member base that trusts us with their finances. This growth reinforces our mission to put members first while maintaining sound financial practices. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Beach Municipal is your trusted partner. Visit us at 4164 Virginia Beach Blvd Virginia Beach Va 23452 or call 757-333-7787 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.

Member-Centric Savings Options

Members' savings are secured through $13,894,546 in share certificates and $44,115,331 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.

Reinvesting for the Future

With $22,774,988 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 $15,609,441 in used auto loans and $91,522,862 in total loans and leases, we support members' financial goals across various sectors.

Solid Financial Foundation

With a net worth of $22,774,988, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 1371 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. We have already issued $32,809,441 in used vehicle loans and $15,658,845 in new vehicle loans, helping members get on the road with confidence. Whether you're interested in financing a brand-new vehicle or a reliable used one, our flexible options can meet your needs.

Credit Lines

For those needing additional flexibility with their finances, we offer credit lines totaling $7,500,000. This product is perfect for managing unexpected expenses or funding personal projects without the stress of high-interest rates. If you're considering refinancing any of these products or want to learn more about eligibility options, we encourage you to reach out. Our dedicated team at Beach Municipal is ready to assist you with personalized support tailored to your financial situation. For more information on our loan offerings or to apply for a loan today, please visit us at Beach Municipal or call us at 757-333-7787. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $21,494,280, make buying or refinancing simple. We are here to guide you through the process so that owning your own home becomes a reality.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans. With a total of $7,497,414 in loans helping members manage their finances effectively, our credit cards provide not only convenience but also rewards to enhance your purchasing power.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring Accurate Loan Comparisons

LendMesh takes accuracy seriously. The loan data on the platform 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 means every offer you see is fair and transparent, allowing you to make informed decisions without second-guessing the information.

BEACH MUNICIPAL FEDERAL CREDIT UNION