Bragg Mutual Credit Union Fayetteville NC | Affordable Auto Loans & Business Banking

Introduction

Welcome to Bragg Mutual, your trusted partner in financial growth and community support, located at 1638 Owen Dr Fl 1, Fayetteville, NC 28304. Since our establishment in 1952, we've been dedicated to serving our members with a range of personalized banking solutions. With a strong membership base of 9,682 individuals, we pride ourselves on being more than just a credit union; we're a vital part of the Fayetteville community. At Bragg Mutual, we understand that each member has unique financial needs. That's why we offer a variety of services from checking and savings accounts to auto loans and mortgage refinancing. Our total assets have grown to an impressive $114,575,028, demonstrating our stability and commitment to providing you with secure banking options. Currently, we hold $18,477,985 in deposits, ensuring that your funds are safe and readily accessible. Our leadership team is dedicated to fostering a welcoming environment. Led by CEO Stephen Foley and Board President John Szoka, our experienced staff of 26 employees is here to assist you every step of the way. Whether you're looking for guidance on personal loans or exploring business banking options, we are committed to empowering you through financial education and support. While members can visit us at our branch location, official correspondence should be sent to 2917 Village Dr, Fayetteville, NC 28304-3814. Feel free to reach out to us at 910-483-2417 during our lobby hours from 9:00 AM to 5:00 PM, Monday through Friday. Join us at Bragg Mutual today and experience the difference of a credit union that truly cares about its members! Visit us online at Bragg Mutual for more information or stop by our branch we look forward to serving you!

Branch History & Mission

Commitment to Innovation

As part of our commitment to modern banking practices, we offer online banking services that enable members to manage their finances conveniently. We prioritize accessibility by ensuring ADA compliance across our digital platforms so everyone can take advantage of what we have to offer. While we currently do not have ATM or drive-thru facilities at this location, we provide shared service center options for basic transactions at partner credit unions. This allows us to extend our reach while maintaining the personalized service that sets us apart. We invite you to join us at Bragg Mutual where your financial wellness is our priority. Together, let's create a brighter future for ourselves and our community. For more information about membership and services, please call us at 910-483-2417 or visit our website at Bragg Mutual. Join us today!

Our Journey

Located at 1638 Owen Dr Fl 1 Fayetteville, NC 28304, Bragg Mutual has been committed to offering personalized financial services that truly make a difference. Our founding principles emphasized member empowerment and local engagement. As we evolved, we embraced technology and innovation to better serve our community's diverse needs. From personal banking services like checking and savings accounts to auto loans and mortgage refinancing, we have tailored our offerings to ensure everyone can achieve their financial goals. While members can visit us at the main branch location for all their banking needs, official correspondence should be sent to 2917 Village Dr, Fayetteville, NC 28304-3814.

Our Mission

At Bragg Mutual, our mission is clear: to provide exceptional financial services while prioritizing community support and member satisfaction. We believe in building lasting relationships with our members by offering guidance and resources that empower them financially. Whether it's through personal loans or business banking solutions, our focus remains on enhancing the quality of life for those we serve. In addition to our core banking services, we actively engage in community outreach initiatives that promote financial literacy and economic growth. By partnering with local organizations and participating in events throughout Fayetteville, we strive to uplift our neighbors and foster a spirit of collaboration.

Branch Location & Accessibility

Accessibility Features

At Bragg Mutual, we understand that accessibility matters. Our branch is designed with ADA compliance in mind, featuring ramps and designated parking spaces to ensure everyone can reach us with ease. Whether you're stopping by for a quick transaction or a more in-depth financial discussion, you will find our environment welcoming and accommodating.

Call to Action

We invite you to stop by our branch today! Experience personalized service that puts you first. If you'd prefer to call ahead with questions or set up an appointment, don't hesitate to contact us. We look forward to assisting you! For more information about membership eligibility or additional services, please visit Bragg Mutual's website.

Operating Hours

We are here for you Monday through Friday from 9:00 AM to 5:00 PM. These hours are crafted to fit your busy schedule, allowing you to visit us when it's most convenient for you.

Services Offered

While visiting our Cape Fear Valley Branch, you can take advantage of various services tailored to meet your needs. We offer personal banking options such as checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and business banking services including merchant services and business loans. Though we currently do not have ATM or drive-thru services available at this location, we do provide shared service transactions for deposits and withdrawals for partner credit union members. If you need any assistance while you're here, feel free to reach out to our friendly team at 910-483-2417.

Member Eligibility

At Bragg Mutual, we believe that being a member means joining a caring community that supports your financial goals. If you're interested in becoming part of our family, we welcome individuals who live, work, worship, or attend school in Cumberland County, North Carolina. This inclusive approach ensures that anyone connected to our local area can benefit from the services we provide. By joining us, you'll gain access to personalized banking solutions tailored just for you, whether it's savings accounts with competitive rates or loans designed to help you achieve your dreams. Getting started is easy! You can find all the detailed eligibility criteria at this link. If you have any questions or want to learn more about opening an account with us, feel free to give us a call at (910) 483-2417. We're here to help guide you through the process and make your transition into membership as smooth as possible. Welcome to Bragg Mutual we can't wait to serve you!

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 $1 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $20 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $159,260, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, we offer essential merchant services designed to make transactions easier for your business. Imagine a local coffee shop seamlessly accepting payments from both credit cards and mobile wallets. Our services ensure you can focus on what you do best serving your customers while we handle the financial side. Located at 1638 Owen Dr Fl 1 Fayetteville Nc 28304 in Fayetteville, NC, we are here to partner with you on your journey to success. Reach out to us at (910) 483-2417 or visit our website here to learn more about how our business banking solutions can work for you!

Comprehensive List Of Services

Consolidate Your Debt

Life can be unpredictable, and sometimes debt can feel overwhelming. That's where our personal loans and debt consolidation services step in. We provide options that help you manage your payments better so you can focus on what truly matters in life.

Easy Access & Shared Services

At Bragg Mutual, we believe in making banking accessible. While we do not have ATMs or drive-thru services at this branch, we provide basic shared branch transactions for deposits and withdrawals through partner credit unions. This means you can still enjoy convenient access to your money even when you're away from home. If you have questions or need assistance with any of our services, don't hesitate to reach out! Call us at 910-483-2417 during our operating hours from 9:00 AM to 5:00 PM Monday through Friday. Join us at Bragg Mutual today and experience banking that puts you first! For more information about membership eligibility and services offered, visit us online at braggmutual.org. We're here to support you every step of the way!

Financing Your Dreams

When it comes to auto loans and vehicle financing, we help make your dream ride a reality. Picture yourself cruising in a new car with manageable monthly payments that fit within your budget. If you're considering buying a home or refinancing an existing mortgage, our mortgage loans come with competitive rates and flexible terms designed just for you.

Personal Banking Made Simple

Whether you're looking to open a checking or savings account, our personal banking options are tailored to fit your lifestyle. Imagine effortlessly managing your funds with accounts that suit your spending habits and savings goals. Our online and mobile banking features allow you to access your accounts anytime, anywhere, making it convenient to track your finances on the go.

Rewards That Matter

We also offer credit cards that not only meet everyday needs but also reward you for spending. Whether it's points for travel or cash back on purchases, our credit cards are designed with benefits that enhance your financial experience.

Supporting Local Businesses

For those running their own businesses, our business banking services include merchant services and business loans tailored to support growth and stability. Imagine having the financial backing needed to expand your business operations or invest in new opportunities.

Digital & Online Banking

Key Features

One of the standout features is our ability to send money directly to friends and family with our person-to-person transfer option. This makes splitting bills or sending gifts easier than ever! Plus, if you choose to go paperless, you can enroll in e-statements for quick access to your financial documents without cluttering your mailbox. For those who prefer using their smartphones, we offer a user-friendly mobile application that allows you to manage your accounts right from your device. While mobile payments are not currently supported, our app ensures that you have access to essential banking features whenever you need them.

Security and Convenience

Security is a top priority for us. Although we don't currently offer electronic signature authorization, rest assured that all your transactions are protected with advanced security measures. You can feel confident knowing that your personal information is safe while using our services. In summary, at Bragg Mutual, we provide accessible and straightforward digital banking solutions tailored to meet your needs. Whether you're checking balances or transferring funds, our online services make managing your money effortless. Explore all that we have to offer today by visiting our website!

Financial Strength

At Bragg Mutual, 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 when it comes to your finances, you need a partner you can trust. That's why we are proud to highlight the strong financial foundation that supports our operations. With a net worth of $11,266,878, we maintain robust financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 980 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 $29,191,805 in share certificates and $17,078,989 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 $7,916,062 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 $25,524,057 in total loans and leases including $2,524 in used auto loans. Our operational efficiency is reflected in our net income of $193,231, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 25 full-time employees and 1 part-time employee, ensuring our branches are always ready to serve you with a knowledgeable and committed team. Total Share Accounts: 19,562, 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, Bragg Mutual is your trusted partner. Visit us at 1638 Owen Dr Fl 1 Fayetteville Nc 28304 or call 910-483-2417 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

Additional Financing Options

For those looking for extra cash flow or business funding, we provide total credit lines amounting to $5,000,000. Additionally, for business owners seeking capital for growth and expansion, our outstanding commercial loans totaling $159,260 are designed to meet your business needs. If you're considering refinancing any of these options or want to know more about eligibility criteria for our loan products, please don't hesitate to reach out. You can contact us at 910-483-2417 for more information or visit us at our branch located at 1638 Owen Dr Fl 1 Fayetteville NC 28304. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At Bragg Mutual, we're committed to helping you find the right loan solution that works for you!

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $11,075,491 in used vehicle loans and $10,781,488 in new vehicle loans already helping members get on the road. We have financing options for both new and used vehicles to fit your budget and preferences.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $14,978,746, make buying or refinancing simple. Whether you're a first-time homebuyer or looking to refinance your existing mortgage, our team is here to guide you through the process.

Unsecured Credit Card Loans

Managing day-to-day expenses can sometimes be challenging. We also offer flexible terms on unsecured credit card loans, with a total of $1,559,082 in loans helping members manage their finances effectively. This option provides you with the freedom to make purchases while enjoying competitive interest rates.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring 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 approach ensures that you receive fair and transparent offers. Every loan listing is backed by reliable data, giving you confidence in the choices available to you.

BRAGG MUTUAL FEDERAL CREDIT UNION - Fayetteville, NC

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