Carter Credit Union Magnolia AR | Best Auto Loans & Business Banking

Introduction

Welcome to Carter, your trusted financial partner located at 45 Highway 79 Byp N, Magnolia, AR 71753. Established in 1954, we take pride in serving our community with dedication and care, helping over 34,736 members achieve their financial goals. With total assets exceeding $763 million, we stand strong as a reliable credit union offering a range of services tailored to your needs. At Carter, we understand that each member has unique financial circumstances. That's why we provide personalized banking solutions, including auto loans, mortgages, and business financing. Our commitment to you is reflected in our impressive financial health, boasting total deposits of $59 million and a net worth of $66 million. We ensure that your funds are safe and accessible while actively working to grow our community's wealth. Our leadership team is dedicated to fostering a welcoming environment. Under the guidance of CEO Joe Arnold and Board President Joyce Butler, our staff of 131 employees is always ready to assist you. Whether you have questions about your account or need advice on loans, we're here for you. While members can visit us at our branch in Magnolia, official correspondence should be sent to the same address: 45 Highway 79 Byp N, Magnolia, AR 71753-3244. For any inquiries or assistance, feel free to reach out at (870) 234-1964 during our operating hours: Monday through Friday from 8:30 a.m. to 5:30 p.m. Join us at Carter Credit Union today and experience the difference of being part of a community-focused institution. Visit our website at www.cartercu.org for more information or to start your application process for loans and accounts. We look forward to serving you!

Branch History & Mission

Carter Credit Union has a proud legacy that began in 1954, serving the financial needs of the Magnolia community and surrounding areas. Over the years, we have grown from a small local credit union into a trusted financial partner for over 34,736 members. Located at 45 Highway 79 Byp N, Magnolia, AR 71753, our branch stands as a testament to our commitment to providing exceptional service and support. From our humble beginnings, Carter has evolved significantly. We have continually adapted to meet the changing needs of our members while maintaining our core mission: to enhance the financial well-being of individuals and families through accessible services and community involvement. Our total assets have grown impressively to $763,835,042, allowing us to offer a wide range of products including personal banking, auto loans, mortgages, credit cards with rewards, and business services. Our mission emphasizes not just financial growth but also community support. We believe in giving back to the neighborhoods we serve. This includes partnerships with local organizations and initiatives designed to uplift our community members. Our dedicated team is always on hand to assist you with any questions or concerns you may have. At Carter Credit Union, we prioritize innovation alongside tradition. We are proud to offer modern conveniences such as online banking and mobile payments while ensuring that all our facilities comply with ADA standards for accessibility. Our branch features include ATM availability and drive-thru services for those who prefer quick transactions without leaving their vehicles. For official correspondence, please note that while you can visit us at 45 Highway 79 Byp N, mail should be sent to 45 Highway 79 Byp N, Magnolia, AR 71753-3244 if needed. As we look towards the future, we invite you to join us on this journey. Experience firsthand how Carter Credit Union can make a positive impact on your financial life. Visit us during our operating hours from Monday to Friday, 8:30 a.m. - 5:30 p.m. or give us a call at 870-234-1964. Together, let's build a brighter financial future!

Branch Location & Accessibility

Welcome to Carter's Magnolia Branch, conveniently located at 45 Highway 79 Byp N in the heart of Magnolia, Arkansas. Our branch is easy to find, nestled near local landmarks that make us a familiar stop for your banking needs. Whether you're coming from downtown or just passing through Columbia County, we're here to serve you with a smile. At Carter, we understand that accessibility is key. Our branch is designed with your convenience in mind. You'll find ample parking right outside, and our facilities are ADA compliant, featuring ramps and accessible entrances to ensure everyone can easily access our services. For those on the go, we offer drive-thru banking so you can handle deposits and withdrawals without ever leaving your car. Our dedicated team is ready to assist you during our operating hours from Monday to Friday, 8:30 a.m. to 5:30 p.m. Whether you need help with personal banking, auto loans, or any of our other financial services, we're just a phone call away at 870-234-1964. If you prefer to visit us for official correspondence, please note that while members can come directly to 45 Highway 79 Byp N, official mail should be sent to our mailing address: 45 Highway 79 Byp N, Magnolia, AR 71753-3244. For your convenience, we also have an ATM available on-site for quick cash withdrawals and balance checks. Plus, as part of our commitment to community service, we participate in shared services that allow members of partner credit unions to access basic transactions here at our branch. Come visit us at Carter's Magnolia Branch where friendly faces and reliable banking await!

Member Eligibility

At Carter, we believe that everyone deserves a chance to be part of a caring community focused on your financial well-being. Becoming a member is straightforward and welcoming! If you're a resident of the area or connected through your employment, family, or other affiliations, you likely qualify for membership. Our goal is to create an inclusive environment where you can access services tailored to your needs. You can explore the full eligibility details, which provides updated information about who can join our family. Once you're ready to take the next step, opening an account with us is just as easy! Visit us at http://www.cartercu.org/loans/auto/apply-for-a-loan to learn more about the simple process and what documents you'll need. Should you have any questions or need assistance, feel free to reach out at (870) 234-1964. Join us at Carter located at 45 Highway 79 Byp N Magnolia Ar 71753, and start experiencing all the benefits of being a valued member today!

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 $457 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $16 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $62,694,009, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, we offer merchant services designed to make transactions easier for you and your customers. Imagine a busy Saturday morning where your café is buzzing with customers. With our payment processing solutions, you can accept payments seamlessly, ensuring a smooth experience for everyone. This way, you can focus on what matters most growing your business. Visit us at 45 Highway 79 Byp N Magnolia Ar 71753 or call us at (870) 234-1964 to learn how we can help your business thrive!

Comprehensive List Of Services

Business Banking

At Carter, we also support local businesses through our Business Banking services. From Merchant Services that simplify transactions to tailored Business Loans for growth and expansion, we are committed to helping entrepreneurs succeed.

Community Focused

As part of our commitment to serving all members, we offer basic shared branch transactions for partner credit union members as well. This means greater accessibility whether you're in town or traveling elsewhere! At Carter, we're more than just a financial institution; we're a community partner ready to support you in achieving your goals. To learn more about how we can assist you today or to speak with one of our friendly staff members, give us a call at (870) 234-1964 or visit us online at Magnolia Branch 04. Your journey towards financial wellness starts here!

Credit Solutions

For those times when unexpected expenses arise, our Personal Loans & Debt Consolidation services are here to assist you. Picture this: consolidating multiple debts into one manageable payment, reducing stress while improving your financial health. Additionally, don't forget about our Credit Cards with Rewards! These cards not only give you purchasing power but also reward you for spending perfect for those who love earning points or cash back on their everyday purchases.

Digital and Accessibility Features

Embracing technology, we provide robust Online & Mobile Banking solutions that allow you to manage your accounts anytime, anywhere. Whether it's checking balances, transferring funds, or making payments through our mobile app or website, convenience is at your fingertips. We also feature ATM & Cash Withdrawal Services, ensuring easy access to your funds whenever needed. For those quick trips, enjoy our Basic Drive-Thru Banking, perfect for deposits and withdrawals without leaving your car!

Personal Banking

When it comes to personal banking, we offer flexible Checking & Savings Accounts designed to help you manage your day-to-day finances with ease. Whether you're saving for a new home or planning a vacation, our accounts come with features that make managing your money straightforward. Looking to purchase a vehicle? Our Auto Loans & Vehicle Financing options provide competitive rates and terms tailored just for you. Imagine cruising down the road in your new car without breaking the bank this can be your reality with our financing solutions. If homeownership is on your horizon, check out our Mortgage Loans & Refinancing services. We understand that buying a home is one of the biggest investments you'll make, which is why we offer guidance every step of the way. Plus, if you're looking to refinance, we can help you explore options that could save you money.

Digital & Online Banking

At Carter, we understand that managing your finances should be easy and secure, no matter where you are. That's why we offer a robust suite of digital and online banking services designed to give you control at your fingertips. With our services, you can access your accounts anytime, anywhere, ensuring that your banking experience is as convenient as possible. Our online banking platform at https://www.cartercu.org/ allows you to check balances, transfer funds, and pay bills with just a few clicks. You can also enjoy the convenience of electronic statements (Yes), making it simple to keep track of your transactions without the clutter of paper. Plus, our electronic signature authorization feature (Yes) streamlines processes like loan applications, so you can get things done faster. If you're always on the go, our mobile application (Yes) puts banking in the palm of your hand. Need to send money to a friend? Our person-to-person transfers (Yes) make it quick and hassle-free. Want to make payments directly from your phone? With our mobile payments feature (Yes), you can do just that! Safety is a top priority for us. Our 24/7 online banking services (Yes) ensure that you have access whenever you need it while keeping your information secure. You can manage your accounts in real-time, giving you peace of mind knowing that you're always up-to-date. Experience the ease and security of digital banking with Carter today!

Financial Strength

Investment in Growth

With $41,305,971 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 $8,572 in used auto loans and a total of $612,511,020 in loans and leases available.

Member-Focused Savings

Members' savings are secured through $242,990,729 in share certificates and $39,406,617 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $110,507,208, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our net income of $656,854 reflects our operational efficiency. This enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 124 full-time employees and 7 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team.

Strong Financial Metrics

With a net worth of $66,839,468, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 872 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Trusted Partnership

Net Shares (Funds available for lending and investments): $683,326. Total Share Accounts: 59,984, 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, Carter is your trusted partner. Visit us at 45 Highway 79 Byp N Magnolia AR 71753 or call 870-234-1964 to learn more about how we can help you achieve your financial goals.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $115,206,975 in used vehicle loans and $34,882,082 in new vehicle loans already helping members get on the road. Whether you're looking for financing for a brand-new vehicle or a dependable used car, we've got you covered.

Business Financing

For business owners, our outstanding commercial loans totaling $62,694,009 provide the capital needed to grow and expand. We are dedicated to supporting local businesses by offering tailored financing solutions that help them thrive.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $24,964,635, make buying or refinancing simple. We strive to make the process straightforward and supportive for first-time buyers and seasoned homeowners alike.

Refinancing Options

If you're considering refinancing any of your existing loans or exploring eligibility options for our various loan products, feel free to reach out. Our team is here to assist you every step of the way. At Carter, we aim to make your borrowing experience as smooth as possible. For more information about our loan offerings or to apply today, please visit us at 45 Highway 79 Byp N Magnolia AR 71753, call us at 870-234-1964, or check out our website at Carter Credit Union. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $5,514,164 in loans helping members manage their finances effectively. These cards can be a great way to handle unexpected expenses while enjoying rewards and benefits.

Loan Aggregator

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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 commitment ensures that users receive fair and transparent offers, free from misleading information. By working only with trusted institutions, LendMesh guarantees that users have access to accurate loan comparisons.

CARTER FEDERAL CREDIT UNION - Magnolia, AR

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