Beach Municipal Credit Union Virginia Beach VA | Affordable Auto Loans & Quick Personal Loans

Introduction

Welcome to Beach Municipal, your trusted credit union located at 2440 Princess Anne Rd, Virginia Beach, VA 23456. Established in 1970, we are proud to serve a growing community of 9,168 members with a commitment to providing reliable financial services tailored to your needs. Our mission is simple: to empower our members with the tools and support necessary for achieving their financial goals. At Beach Municipal, we understand that every member is unique. That's why we offer a diverse range of services including personal banking accounts, auto loans, mortgage options, and business banking solutions. With total assets exceeding $166 million and deposits amounting to $11,586,051, our financial strength enables us to provide competitive rates and exceptional service. Our leadership team is dedicated to fostering a supportive environment. Under the guidance of our CEO, Geri Metzger, and Board President, Nianza Wallace, we are focused on community impact and member satisfaction. We believe that when our members thrive, so does our community. While you can visit us at our branch location for all your banking needs, please note that official correspondence should be sent to our mailing address at 4164 Virginia Beach Blvd, Virginia Beach, VA 23452. Whether you're looking for a new loan or need assistance managing your finances, we're here for you. Feel free to reach out to us at 757-333-7787 or visit our website at beachmunicipal.org for more information. Join us today and discover how we can help you navigate your financial journey with confidence!

Branch History & Mission

Innovation & Accessibility

As technology evolves, so do we. At Beach Municipal, we embrace digital advancements to enhance your banking experience. Our online banking platform allows you to manage your finances conveniently from anywhere. Whether you prefer using e-statements or accessing your account via our mobile app, we ensure that banking with us is easy and efficient. We are committed to accessibility as well. With ADA compliance in place, all members can feel welcome and secure when visiting our branch. Our drive-thru service provides added convenience for those on the go, ensuring that you can conduct your banking business quickly.

Join Us Today

We invite you to experience the benefits of being a part of Beach Municipal. Whether you're looking for personal banking solutions or need assistance with business services, our friendly team is here to help. With operating hours from 9 am to 5:30 pm Monday through Friday and drive-thru availability on Saturdays until 1:00 pm, we're ready when you are. Call us at (757) 333-7787 or visit us online at Beach Municipal for more information on how you can become a member today! Together, let's build a brighter financial future for ourselves and our community.

Our Mission

Our mission at Beach Municipal is straightforward yet powerful: to provide reliable financial services while fostering a strong sense of community. We believe that banking should be more than just transactions; it should be about building relationships. We strive to offer personalized solutions that cater to the unique needs of each member. From checking and savings accounts to auto loans and mortgages, we aim to empower our members with the tools they need for financial success. We are also dedicated to giving back to the community through various outreach programs and partnerships. Our initiatives focus on supporting local organizations and helping those in need. By investing in our community, we not only enhance the lives of our members but also contribute to the overall well-being of Virginia Beach.

Branch Location & Accessibility

Convenient Access and Features

At Beach Municipal, we understand that convenience matters. Our branch features a drive-thru service for quick transactions, allowing you to manage your banking needs without leaving your car. We also offer ATM services on-site for added flexibility, so you can withdraw cash or check your balance at any time. We have ensured that our location is accessible to everyone, including ADA-compliant ramps and parking spaces. You'll find ample parking available right outside our door, making it easy for you to visit us.

Operating Hours

Our doors are open Monday through Friday from 9:00 AM to 5:30 PM, with Saturday hours from 9:00 AM to 1:00 PM for those who need weekend access. Whether you're looking to open a new account or discuss loan options, our friendly team is ready to assist you during these hours.

Your Banking Needs Covered

At Beach Municipal, we offer a wide range of services tailored to fit your personal and business banking needs. From checking and savings accounts to auto loans and mortgage refinancing, we're here to help you achieve your financial goals. Plus, as a member of our credit union, you have access to shared service transactions with partner credit unions nearby. If you're looking for a community-focused financial partner that puts members first, come visit us today or give us a call at 757-333-7787. We look forward to welcoming you!

Member Eligibility

At Beach Municipal, we believe that everyone deserves access to a supportive financial community. Joining us is simple and welcoming! If you're a resident of Virginia Beach or surrounding areas, you may be eligible to become a member. We also welcome those who work in the area or have family members who are already part of our credit union family. This means that if you're looking for a place where your voice matters and your financial goals can thrive, you're in the right spot! To learn more about the specific eligibility criteria, feel free to visit our website at http://www.beachmunicipal.org/about-us/who-can-join/join-today. It's a great resource for checking any updates or changes. Once you're ready to take the next step, opening an account with us is easy; just head over to http://www.beachmunicipal.org/borrow/apply-for-a-loan. If you have any questions or need assistance, don't hesitate to reach out at (757) 333-7787. We're here to help you every step of the way as you start this exciting journey with Beach Municipal at 2440 Princess Anne Rd Virginia Beach Va 23456!

Business Banking & Commercial Services

Practical Merchant Services

In addition to loans, we offer merchant services that can simplify how you accept payments and manage transactions. Picture this: your customers making purchases seamlessly, while you focus on what matters most growing your business. Our tools help you keep track of sales and provide excellent service without the hassle. Visit us at 2440 Princess Anne Rd, Virginia Beach, VA 23456, or give us a call at 757-333-7787 to learn how Beach Municipal can empower your business today!

Tailored Loan Options

Imagine having access to funds that can fuel your expansion plans or streamline your operations. 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.

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about buying a new car? Our auto loans are designed to get you behind the wheel without breaking the bank. We provide competitive rates and flexible terms, making vehicle financing simple and affordable. From purchasing new cars to refinancing existing loans, we're here to help you every step of the way.

Business Banking

If you're a business owner, we provide tailored solutions like merchant services and business loans. Whether you're starting up or expanding, our team is ready to assist with financial products that meet the unique demands of your business.

Credit Cards with Rewards

Who doesn't love earning rewards? With our credit cards, not only do you gain access to essential funds when needed, but you also earn rewards on your purchases. It's a smart way to get more out of your spending!

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we've invested in robust online and mobile banking platforms. You can manage your accounts anytime, anywhere check balances, transfer funds, or pay bills with just a few clicks. Our ATM services allow for easy cash withdrawals and balance checks without having to visit a branch.

Drive-Thru & Shared Services

For those who prefer face-to-face interactions but are short on time, our basic drive-thru banking allows for quick deposits and withdrawals without leaving your car. Plus, if you're a member of another participating credit union, enjoy shared branch transactions right here at Beach Municipal! With all these services designed with you in mind, we encourage you to explore what Beach Municipal has to offer. Visit us today or check out our website at www.beachmunicipal.org for more information. Your financial journey starts here!

Mortgage Solutions

For those looking to buy their dream home or refinance an existing mortgage, our mortgage services offer personalized support throughout the process. We aim to help you secure the best rates and terms available in today's market.

Personal Banking

Managing your finances should be straightforward. With our personal banking services, you can open checking and savings accounts tailored to fit your lifestyle. Whether you're saving for a vacation or just need a safe place for your everyday funds, we've got you covered. Need extra cash for unexpected expenses? Our personal loans offer quick solutions, while our debt consolidation options help you manage multiple payments into one easy monthly bill.

Digital & Online Banking

Key Services Offered

One of the standout features is our 24/7 Online Banking Services. This means you can check your balance, transfer funds, and pay bills whenever it suits you day or night. Plus, with our Mobile Application, managing your money on the go has never been simpler. You'll love the ability to handle transactions right from your smartphone. We also provide E-Statements, allowing you to receive your bank statements electronically instead of through the mail. This not only helps reduce paper waste but also ensures your financial information is delivered securely and promptly. For those times when you need to sign documents quickly, our Electronic Signature Authorization makes it easy to complete transactions without a trip to the branch. If you want to send money to friends or family quickly, our Person-to-Person Transfers feature will do just that. It's straightforward and instant, so you can share expenses or gifts without hassle. While we currently do not offer mobile payments, our focus remains on providing secure and user-friendly services tailored to meet your needs. Our online banking system prioritizes safety, ensuring that your personal information stays protected at all times. With all these features at your fingertips, accessing and managing your finances has never been more accessible or efficient. Whether you're at home or out and about in Virginia Beach, Beach Municipal is here to support your financial journey every step of the way!

Financial Strength

At Beach Municipal, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. With a commitment to transparency and trustworthiness, we want to share some insights into our financial health that reflect our dedication to serving you. 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. 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. We prioritize our members above all else; our focus is to ensure that your funds work for you. With 0 in non-member deposits, we are dedicated to benefiting our members through better loan rates and exclusive perks. In addition to these figures, with $22,774,988 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve you better. Our lending capacity supports members' financial goals across various sectors with 1,562 used auto loans and a total of $91,522,862 in loans and leases. While our current net income stands at $0, this reflects our ongoing efforts to manage resources responsibly while still prioritizing competitive offerings for you. 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. The strength of Beach Municipal doesn't just lie in numbers; it lies in the trust of our growing member base. With 18,882 total share accounts, it's clear that more people are choosing us as their financial partner. 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 2440 Princess Anne Rd Virginia Beach Va 23456 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.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $32,809,441 in used vehicle loans and $15,658,845 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive interest rates to ensure you can drive away with confidence.

Credit Lines

For those who need extra flexibility, our credit lines totaling $7,500,000 provide a safety net for unexpected expenses or ongoing projects. This option allows you to draw funds as needed while only paying interest on what you use. At Beach Municipal, we also prioritize refinancing options for existing loans. If you're looking to lower your monthly payments or adjust your loan terms, our team is here to assist you in exploring eligible options that can save you money. Feel free to reach out to us at (757) 333-7787 or visit us at 2440 Princess Anne Rd Virginia Beach VA 23456 for more information about our loan offerings. 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 Beach Municipal be your first choice for all your borrowing needs!

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 aim to assist you every step of the way with straightforward processes and helpful guidance.

Unsecured Credit Cards

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 come with various features that help you keep track of your spending while building your credit score.

Loan Aggregator

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 loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" 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.

How LendMesh Ensures 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), ensuring fair and transparent offers. This focus on accurate sourcing means users receive reliable information they can trust when making financial decisions.

BEACH MUNICIPAL FEDERAL CREDIT UNION - Virginia Beach, VA

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