Cape Credit Union Clarksburg WV | Best Auto Loans & Business Banking

Introduction

At Cape, we believe in fostering strong relationships with our members and providing financial services that truly matter. Located at 323 E Pike St, Clarksburg, WV 26301, our credit union has been a pillar of the community since 1947. With a commitment to serving over 1,230 members, we take pride in offering personalized banking solutions that help you achieve your financial goals. While you can always visit us at our branch address, official correspondence should be sent to the same location for your convenience. Our credit union boasts total assets of $15,613,953 and deposits reaching $107,566, reflecting our dedication to financial stability and growth. We understand the importance of trust in financial partnerships; that's why we ensure transparency with a net worth of $1,271,559 and cash reserves totaling $120,059. Led by our passionate CEO, Wendy White, and Board President John Pokrzywa, we strive to create an environment where every member feels valued. Our small team of just 3 employees is here to assist you with a range of services including personal banking accounts, auto loans, mortgages, and business banking solutions. We have issued a total of 608 loans, making it easier for families and businesses alike to thrive. At Cape Credit Union, we are more than just numbers. We are a community-focused organization committed to making a positive impact on the lives of our members. Whether you're looking for assistance with everyday banking needs or seeking advice for long-term financial planning, we're here for you. Feel free to reach out at 304-623-4794 or visit our website at Cape Credit Union to learn more about how we can support you on your financial journey. Join us today and experience the difference that comes from being part of a trusted community institution!

Branch History & Mission

Community Focus

We pride ourselves on being more than just a financial institution; we are part of the fabric of Clarksburg. Our initiatives go beyond traditional banking as we actively engage with local events and charities. By partnering with various organizations, we strive to enhance the lives of those around us. While you can visit us at our main office located at 323 E Pike St, official correspondence should be sent to our mailing address: 323 E Pike St, Clarksburg, WV 26301-2118. With operating hours from Monday to Friday 7:30 AM - 5:00 PM and Saturday 9:00 AM - 12:00 PM, we're here to meet your needs.

Modern Banking Services

In today's fast-paced world, we've embraced digital advancements to ensure our members enjoy modern banking conveniences like online banking, mobile payments, and e-statements. We also maintain ADA compliance to provide an inclusive environment for all members. Our facilities include an ATM and drive-thru service for easy access to your finances. As we celebrate our history and look towards the future, we invite you to become part of our family at Cape. Experience personalized service tailored just for you and join us in making a positive impact on our community. For any inquiries or assistance, feel free to contact us at 304-623-4794 or visit us online at capecu.com. Together, let's build a brighter financial future!

Our Mission

Our mission is simple yet powerful: to empower our members through accessible financial services and support. We believe in building strong relationships within the community, ensuring that everyone has the opportunity to achieve their financial goals. Whether it's opening a checking account, securing an auto loan, or planning for retirement, we aim to make banking straightforward and supportive.

Branch Location & Accessibility

A Friendly Call-to-Action

While members can visit us at 323 E Pike St, official correspondence should be sent to the same address. If you have any questions or want more information about our services like personal loans, mortgages, or credit cards don't hesitate to give us a call at 304-623-4794. We look forward to seeing you soon at Cape Credit Union!

Convenient Access and Parking

At Cape Credit Union, we prioritize accessibility. Our branch is designed with features that ensure everyone can visit us comfortably. Ample parking is available right outside, so you won't have to worry about finding a spot. Plus, we're proud to be ADA compliant, with ramps and accessible entrances for all our members.

Drive-Thru and ATM Services

For added convenience, we offer drive-thru banking services as well as ATM access right at our branch. This means you can handle deposits and withdrawals without even leaving your car! Our ATM is available for quick cash withdrawals and balance checks whenever you need them.

Operating Hours Tailored to You

We understand that flexibility is key when it comes to banking. That's why our lobby hours are set to fit your busy schedule! Join us Monday through Friday from 7:30 AM to 5:00 PM and on Saturday from 9:00 AM to 12:00 PM. Whether you need assistance with personal banking or have inquiries about loans, our friendly staff is here ready to help during these hours.

Member Eligibility

At Cape, we believe in the power of community and welcome you to join our family! Becoming a member is simple and inclusive. If you live, work, or worship in the Clarksburg area, you're likely eligible to join us. We cater to individuals who seek personalized banking services while enjoying a supportive environment. Whether you're looking for checking accounts, auto loans, or other financial products, our members benefit from competitive rates and exceptional service tailored to your needs. To learn more about the specific eligibility criteria, feel free to check out the details on our website at . When you're ready to take the next step and open an account with us, just visit https://www.loanliner.com/loanrequest/presenter/loanlist ?cuid=04700322&loanlistid=2187&channelid=3094145616306141334&locationid=3610298516306141321&isframed=f or give us a call at (304) 623-4794. We're excited to help you start your journey with Cape at 323 E Pike St Clarksburg WV 26301!

Business Banking & Commercial Services

Loan Options That Fuel Growth

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.

Practical Merchant Services

In addition to loans, our merchant services simplify payment processing so you can focus on what you do best running your business. Imagine a world where transactions happen effortlessly at the point of sale, allowing you to serve customers quickly and efficiently. This means less time worrying about finances and more time nurturing your customer relationships. Visit us at 323 E Pike St Clarksburg Wv 26301 in Clarksburg, WV, or call us at (304) 623-4794 to learn more about how we can partner with you for success!

Comprehensive List Of Services

Accessibility

At Cape, we understand that accessibility is important for all our members. Our branch features include both an ATM and drive-thru service making it easier than ever to conduct your banking activities without the hassle. We invite you to visit us at 323 E Pike St Clarksburg Wv 26301 or give us a call at (304) 623-4794 to learn more about how our comprehensive suite of services can meet your financial needs. Your journey towards better financial health starts with us!

Business Banking

For entrepreneurs and small businesses, we offer tailored solutions through our Business Banking services. This includes Merchant Services & Business Loans designed to help you grow and manage your business efficiently.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we've invested in robust Online & Mobile Banking services. You can easily check balances, make transfers, or pay bills right from your smartphone or computer. Need cash? Our network of ATMs allows for easy access to funds whenever you need them, and our basic drive-thru banking provides quick service for deposits, withdrawals, and simple transactions.

Loans and Credit Options

Life can throw unexpected expenses your way. That's where our Personal Loans & Debt Consolidation come into play. These loans give you flexibility and peace of mind, allowing you to consolidate debt into manageable payments. Additionally, consider our Credit Cards with Rewards that not only provide a line of credit but also reward you for your spending ideal for everyday purchases.

Personal Banking

For individuals seeking reliable financial management, we offer Personal Banking options including checking and savings accounts. Our accounts are designed to fit your lifestyle, helping you manage your money effectively. If you're thinking about purchasing a new car, our Auto Loans & Vehicle Financing services can assist you in getting behind the wheel without breaking the bank. We also provide Mortgage Loans & Refinancing to help you secure your dream home or adjust your existing mortgage terms.

Digital & Online Banking

Key Features

One of the standout features of our online banking service is the ability to sign documents electronically. With Yes, there's no need for paper forms or in-person visits. This means less hassle for you and quicker processing times for your requests. We also offer e-statements, which means you'll receive your bank statements electronically. No more waiting for the mail just log in to view and download them whenever you need. It's not only more convenient but also environmentally friendly! If you're always on the go, our mobile application allows you to manage your accounts from your smartphone. You can make mobile payments easily and even send money directly to friends or family through our person-to-person transfer feature. Whether you're splitting a bill or sending a gift, it's all done securely with just a few taps. Our commitment to making banking easier doesn't stop there. You can rest assured knowing that our system is built with top-notch security measures in place, ensuring that your financial data remains safe while you enjoy these convenient features. In short, at Cape, we strive to provide accessible, easy-to-use online and digital banking solutions that fit seamlessly into your busy life. Start exploring all the ways we can help you manage your finances today!

Financial Strength

Growing Together

With a total of 2,160 share accounts, we demonstrate a strong and growing member base that trusts us with their finances. Our focus remains on providing exceptional service while maintaining financial strength. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Cape is your trusted partner. Visit us at 323 E Pike St Clarksburg Wv 26301 or call (304) 623-4794 to learn more about how we can help you achieve your financial goals.

Member-Focused Savings

Your savings are secure with us. We have $2,067,775 in share certificates and $1,703,982 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.

Operational Efficiency

Our operational efficiency is highlighted by a net income of $-23,084, which enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 3 full-time employees and 0 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvesting in You

With $1,285,868 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our capacity to support your financial goals is reflected in the $135 in used auto loans and $6,409,824 in total loans and leases.

Solid Foundation

With a net worth of $1,271,559, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $814 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, with over $1,868,340 in used vehicle loans and $753,914 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive rates that can fit any budget. If you're interested in refinancing an existing auto loan, we can guide you through the process too.

Credit Lines

If you're considering additional funding options, our credit lines totaling $1,250,000 offer flexibility for personal or business use. This means you can access funds when needed without the hassle of reapplying each time. At Cape, we pride ourselves on providing clear information and assistance throughout your borrowing experience. For any questions regarding eligibility or refinancing options available for our loan products, please don't hesitate to contact us at (304) 623-4794. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Visit us at 323 E Pike St Clarksburg WV 26301 to learn more about how our loan offerings can support your financial journey today!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $20,571, make buying or refinancing simple. We understand that purchasing a home is a significant step, and we're here to provide support every step of the way.

Unsecured Credit Card Loans

For those looking to manage their finances more effectively, we also offer flexible terms on unsecured credit card loans. With a total of $251,343 in loans available, these cards can help you cover unexpected expenses or simply provide peace of mind with your purchases.

Loan Aggregator

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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 ensures fair and transparent offers for all users. By verifying the sources of loan data, LendMesh guarantees that users receive accurate information they can trust.

CAPE FEDERAL CREDIT UNION - Clarksburg, WV