Celco Community Credit Union Narrows VA | Affordable Auto Loans & Mortgage Refinancing

Introduction

Welcome to Celco Community, your trusted financial partner located at 3381 Virginia Ave, Narrows, VA 24124. Since our establishment in 1956, we have proudly served our community with a commitment to member-focused banking and financial services. With a growing membership of 6,997 and total assets amounting to an impressive $137,210,994, we stand as a pillar of support for individuals and families in the Narrows area. At Celco Community, we believe that banking should be personal and accessible. That's why we offer a wide range of services tailored to meet your needs from checking and savings accounts to auto loans, mortgages, and business banking solutions. Our dedicated team, led by CEO Dean Marshall and Board President Jeffrey Morris, is here to ensure you receive the best service possible. With 22 employees ready to assist you, we are committed to making your financial journey smooth and successful. While you can visit us at our branch for in-person assistance or enjoy the convenience of online banking through our website www.celcofcu.org, please note that official correspondence should be sent to our mailing address: PO Box 361, Narrows, VA 24124. We understand that every member's financial goals are unique. That's why we encourage you to reach out with any questions or for assistance. Whether you're looking for ways to save, finance a vehicle, or explore lending options, we're here for you! Give us a call at 540-921-2700 during our operating hours Monday through Friday from 8 AM to 5 PM and let us help you achieve your dreams today!

Branch History & Mission

Commitment to Innovation

As times change, so do we. Celco Community is dedicated to incorporating digital advancements while maintaining ADA compliance for all members. Our online banking options allow you to manage your finances securely from anywhere. We understand that convenience is key, which is why we offer mobile applications designed for easy access. In addition, our customer-centric approach ensures that your experience with us remains positive and fulfilling. We value feedback and continuously look for ways to improve our services.

Join Us Today

As we reflect on our journey from 1956 until now, we invite you to become part of our story. At Celco Community, you're not just a member; you're part of a family dedicated to your financial success and the well-being of our community. If you're ready to experience the benefits of membership at Celco Community, give us a call at 540-921-2700 or visit us during our operating hours: Monday through Friday from 8 AM to 5 PM. Join us today and let's build a brighter future together!

Our Mission

At Celco Community, our mission is simple yet profound: to provide exceptional financial services while empowering our community. We believe that when our members thrive, so does the entire community. Our focus on personal banking ranging from checking and savings accounts to auto loans and mortgages ensures that we cater to every financial need. We strive not only to be your go-to financial institution but also an active participant in enhancing the quality of life in Narrows. Our commitment extends beyond numbers; we engage in various outreach programs aimed at supporting local initiatives and partnerships. While members can visit us at 3381 Virginia Ave, official correspondence should be sent to PO BOX 361, Narrows, VA 24124.

Branch Location & Accessibility

Comfortable Banking Hours

We invite you to come by during our operating hours, Monday through Friday from 8 AM to 5 PM. Our team is ready to assist you with various services designed to meet your banking needs.

Reach Out Anytime

Have questions or need assistance? Don't hesitate to give us a call at 540-921-2700. We're here to help you every step of the way. Come visit us today at Celco Community Main Branch where your financial wellness matters most!

Services Tailored for You

At Celco Community, we offer a wide range of personal and business banking services. From checking and savings accounts to auto loans and credit cards with rewards, we have something for everyone. Need cash? Our ATM is available for your convenience, along with drive-thru banking for quick deposits and withdrawals.

Visit Us Easily

At Celco Community, we understand that accessibility is key. Our branch features convenient parking options and ADA-compliant access points, ensuring everyone can visit us without hassle. If you need to send any official correspondence, please note that our mailing address is also 3381 Virginia Ave, PO Box 361, Narrows, VA 24124.

Member Eligibility

At Celco Community, we believe that everyone deserves a chance to join our welcoming community. Becoming a member is simple and open to anyone who lives, works, worships, or attends school in the Narrows area. If you have family members who are already part of our credit union, you're also eligible to join! Membership comes with many benefits, including access to personalized financial services tailored to your needs, competitive rates on loans and savings accounts, and a supportive environment where your financial well-being is our priority. To get started, you can find detailed eligibility criteria by visiting this link. When you're ready to take the next step, opening an account is just as easy check out how at this page. If you have any questions or need assistance, don't hesitate to call us at (540) 921-2700. We're here to help you every step of the way!

Business Banking & Commercial Services

Merchant Services That Work for You

In addition to loans, we offer merchant services that simplify transactions and enhance customer experiences. Imagine accepting payments easily through various channels, ensuring you never miss a sale. Our solutions are tailored for local businesses, making it easy to manage cash flow while focusing on what matters most serving your customers. Join us at Celco Community, located at 3381 Virginia Ave Narrows Va 24124, and let's work together to turn your business goals into reality. If you're ready to explore how we can assist your business further, give us a call at (540) 921-2700!

Tailored Loan Solutions

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $3 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $319,123, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Banking Solutions

For local entrepreneurs and businesses, Celco Community offers tailored business banking services. From merchant services that simplify payment processing to business loans designed to help grow your operations, we understand the needs of small businesses in our community.

Credit Cards and Rewards

With our credit cards featuring rewards programs, you can earn points for every dollar spent. Whether it's for everyday purchases or special occasions, these rewards can add up quickly turning spending into benefits.

Digital Banking Features

In today's fast-paced world, convenience is key. Our online and mobile banking services allow you to manage your accounts anytime, anywhere. You can check balances, transfer funds, and pay bills all from the comfort of your home or on-the-go. With ATM access available, withdrawing cash is just as simple as making a quick visit to one of our machines.

Drive-Thru and ATM Services

We also offer basic drive-thru banking for quick deposits and withdrawals without needing to enter the branch. For those who prefer the self-service route, our ATMs are equipped for withdrawals and balance checks at any time. At Celco Community, we aim to make banking straightforward and accessible for everyone in Narrows and beyond. If you're ready to experience personalized service with a local touch, reach out to us at (540) 921-2700 or visit us today! Your financial wellness matters to us let's work together towards achieving your goals!

Personal Banking Services

Managing your day-to-day finances is made easy with our personal banking services. You can open checking and savings accounts that fit your lifestyle. Imagine having a checking account that allows you to easily manage your expenses while also earning interest on your savings. Our auto loans and vehicle financing options make purchasing a new car more accessible, helping you get behind the wheel sooner. If you're considering buying a home or refinancing an existing mortgage, our mortgage loans offer competitive rates and flexible terms to suit your situation. We also provide personal loans for debt consolidation or unexpected expenses, ensuring that financial challenges don't hold you back.

Digital & Online Banking

Key Services

Our online banking service allows you to check your account balance, pay bills, and transfer money with just a few clicks. Whether you're at home or on the go, you can manage your finances 24/7 with ease. With our mobile application, banking is right at your fingertips. It's user-friendly and designed for quick access to everything you need. We also provide e-statements for those who prefer a paperless option. This means you can view your account statements securely online without cluttering up your mailbox. Plus, knowing that electronic signature authorization is not required adds an extra layer of convenience.

Security and Accessibility

Your security is our top priority. We use advanced technology to keep your information safe while you enjoy easy access to your accounts. You can feel confident using our services knowing that we have strong measures in place to protect your data. Additionally, while mobile payments are not currently available, you can still make personal transfers easily though person-to-person transfers are not supported at this time. At Celco Community, we believe that everyone should have easy access to their money whenever they need it. Our digital banking tools are designed with you in mind, making it simple to stay on top of your finances without any hassle. Experience the future of banking today!

Financial Strength

At Celco Community, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. You can trust that your money is in safe hands with us. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. With a net worth of $27,025,614, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 19.70% 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 $0 in share certificates and $0 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 $25,916,090 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 $81,600 in used auto loans and $75,527,340 in total loans and leases, supporting members' financial goals across various sectors. Our operational efficiency is reflected in our net income of $1,109,524, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 20 full-time employees and 2 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Total Share and Deposit Accounts stand at 14,630, 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, Celco Community is your trusted partner. Visit us at 3381 Virginia Ave Narrows Va 24124 or call 540-921-2700 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. We have already provided $11,985,710 in used vehicle loans and $8,839,232 in new vehicle loans to help our members get on the road with confidence. Whether you're considering a brand-new model or a reliable used vehicle, our financing options can make the process easier.

Business Loans

For business owners looking for capital to grow and expand their operations, our outstanding commercial loans total $319,123. These funds can be vital for investing in new opportunities and enhancing your business potential. At Celco Community, we believe that everyone should have access to the funds they need when they need them. If you're considering refinancing or want to know more about eligibility options for any of our loan products, please don't hesitate to reach out. You can call us at 540-921-2700 for more information or visit us during our lobby hours from 8 AM to 5 PM on weekdays. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Your journey towards financial freedom starts here let's work together to find the right solution for you!

Mortgage Loans

Thinking about homeownership? Our mortgage options include various types of loans that make buying or refinancing straightforward. While we currently do not offer Junior Lien 1-4 Family Residential Properties loans, we are here to guide you through other available options that suit your financial situation.

Unsecured Credit Card Loans

Managing your finances effectively is important, and we also offer flexible terms on unsecured credit card loans. With a total of $1,351,002 in these loans helping our members navigate their expenses, you can enjoy convenience and support without the burden of collateral.

Loan Aggregator

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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 commitment to accuracy means that you can trust the information presented when exploring your loan options.

Celco Community