Cha-tel Credit Union Charleston WV | Best Auto Loans & Online Banking

Introduction

Welcome to Cha-tel, your trusted partner in financial growth and community support, located at 1500 Maccorkle Ave Se, Charleston, WV 25396. Since our establishment in 1963, we have proudly served over 1,290 members, providing a wide range of financial services designed to meet the unique needs of our community. As a member-focused credit union, we are dedicated to ensuring that your financial journey is both rewarding and secure. At Cha-tel, our commitment extends beyond traditional banking. With total assets reaching $11,185,836 and total deposits amounting to $1,988,548, we have built a solid foundation of trust and reliability. Our team works tirelessly to offer competitive loans currently totaling 449 and exceptional member service that sets us apart. Under the leadership of CEO Kimberly Taylor and Board President Terry Sanner, we strive to maintain a welcoming atmosphere where you can feel confident in managing your finances. While you can visit us at our branch address for all your banking needs, please note that official correspondence should be sent to the same mailing address: 1500 Maccorkle Ave, Charleston, WV 25396. Our dedicated staff of three employees is here to assist you with everything from personal banking solutions like checking and savings accounts to business loans and vehicle financing. We also embrace modern banking conveniences with options for online and mobile banking. As you explore what we offer at Cha-tel, remember that your financial success is our priority. We invite you to reach out by calling 304-344-3330 or visiting us online at chatelfcu.com for more information on how we can serve you better. Join us today in building a brighter financial future together!

Branch History & Mission

Call to Action

We invite you to become part of the Cha-tel family. Experience firsthand how we can help you achieve your financial dreams while contributing positively to our community. Visit us during our lobby hours Monday from 10 AM to 6 PM and Tuesday through Friday from 9 AM to 4 PM or give us a call at 304-344-3330 for more information about becoming a member today! Join us on this journey towards better financial health together!

Our Evolution

Since our inception, Cha-tel has embraced the mission of providing exceptional financial services tailored to meet the needs of our community. We take pride in being a member-focused institution that prioritizes personal relationships and customer service. With total assets reaching $11,185,836, we continue to offer a variety of services including checking and savings accounts, auto loans, mortgages, and business banking solutions. As we evolved through the decades, we kept pace with technological advancements. Today, our members can access their accounts online or via mobile applications. We ensure all services are user-friendly and ADA compliant, making banking accessible for everyone.

Our Mission

At Cha-tel, our mission is simple yet profound: to empower our members financially while supporting the growth and prosperity of our community. We believe that financial success should not just be about numbers but also about enhancing lives. Whether it's helping families secure their first home or assisting small businesses in reaching their goals, we are dedicated to making a positive impact. We also understand the importance of community involvement. Over the years, we've partnered with local organizations for outreach programs aimed at education and support for those in need. By investing in our community, we strengthen not only our membership but also the very fabric of Charleston itself. While members can visit us at 1500 Maccorkle Ave Se, official correspondence should be sent to 1500 Maccorkle Ave, Charleston, WV 25396.

Branch Location & Accessibility

A Friendly Invitation

We invite you to explore the services we offer and experience the warmth of our team. Have questions? Don't hesitate to give us a call at 304-344-3330. We look forward to welcoming you into the Cha-tel family!

Convenient Access and Features

At Cha-tel, we prioritize your comfort and accessibility. Our branch offers ample parking and features that comply with ADA standards, ensuring everyone can visit us easily. Although we currently do not have ATM or drive-thru services, our dedicated staff is ready to assist you inside during our welcoming operating hours: Monday from 10 AM to 6 PM and Tuesday through Friday from 9 AM to 4 PM. While members can visit us at 1500 Maccorkle Ave SE, official correspondence should be sent to the same address. If you're looking for a community-focused credit union that provides personal banking solutions like checking and savings accounts, auto loans, and mortgages, you've found the right place!

Member Eligibility

At Cha-tel, becoming a member means joining a caring community that's dedicated to your financial well-being. We welcome individuals who live, work, worship, or attend school in our local area. This includes families and businesses looking for a supportive financial partner. Whether you're just starting out on your financial journey or looking to expand your services, we have something for everyone. With personalized service and competitive rates, you'll find it easy to manage your finances with us. To learn more about eligibility requirements, feel free to visit our website at . If you're ready to take the next step towards becoming a member or have any questions, don't hesitate to give us a call at (304) 344-3330. We can't wait to welcome you into the Cha-tel family!

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 $2 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $66,914, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In today's fast-paced world, having the right tools at your fingertips can make all the difference. Our merchant services simplify transactions, allowing you to focus on what you do best running your business. Imagine quickly processing payments from customers without any hassle, giving you more time to innovate and grow. If you're ready to take your business to the next level, stop by our branch located at 1500 Maccorkle Ave Se, Charleston, WV 25396, or give us a call at 304-344-3330. Let's work together to build a brighter future for your business!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

While we don't currently have an ATM on-site, rest assured that we provide reliable options for cash withdrawals through various networks. Our friendly staff is always ready to assist you with any questions about accessing funds quickly and safely.

Business Banking Support

For small business owners, we offer specialized services through our Business Banking program. From Merchant Services that simplify payment processing to Business Loans designed to help your company thrive, we're committed to supporting local businesses in Charleston.

Convenient Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why Cha-tel offers robust Online & Mobile Banking options. With features like mobile payments and person-to-person transfers, managing your money has never been easier. You can access your accounts anytime, anywhere making banking a breeze whether you're at home or on the go.

Personal Banking Made Easy

Whether you're just starting out or looking to grow your wealth, our personal banking services have you covered. Open a Checking or Savings Account that fits your lifestyle, allowing you to manage your everyday finances effortlessly. Need a new car? Our Auto Loans & Vehicle Financing options make it simple for you to drive away in the vehicle you love without breaking the bank. If homeownership is on your mind, explore our Mortgage Loans & Refinancing solutions. We can guide you through the process, ensuring you get the best rates available. For those unexpected expenses, our Personal Loans & Debt Consolidation services can help you manage your finances more effectively by combining debts into one easy payment.

Ready to Get Started?

At Cha-tel, we're here for all your financial needs. Our goal is not just to be a credit union but a trusted partner in your financial journey. If you're ready to explore how we can help you achieve financial wellness, give us a call at (304) 344-3330 or visit us today at 1500 Maccorkle Ave Se Charleston Wv 25396 in Charleston, WV. Let's take this journey together!

Rewarding Credit Options

Looking for a way to make your purchases work harder for you? Check out our Credit Cards with Rewards. Not only do these cards offer competitive rates, but they also provide benefits that add value to every dollar spent.

Digital & Online Banking

Key Features for Your Convenience

Our online banking system is user-friendly and packed with features that make managing your money easy. You can set up e-statements, which means you can access your account statements electronically no more waiting for mail or worrying about paper clutter! Plus, with electronic signature authorization available, signing documents has never been easier or more secure. Need to send money to a friend? Our person-to-person transfer feature allows you to quickly send funds without any hassle. And if you're on the go, take advantage of our mobile application. It's perfect for those who want to handle their banking right from their phone. With mobile payments enabled, you can pay for purchases directly from your device.

Security You Can Trust

We know security is a top priority for our members. That's why our digital banking services come with advanced security measures to protect your information while making transactions easy and worry-free. Whether you're accessing your account from home or on the move, rest assured that we've got your back. At Cha-tel, we're committed to providing you with accessible and efficient banking solutions that keep you in control of your finances. Experience the ease of digital banking today!

Financial Strength

Commitment to Growth

With $1,215,377 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; we provide $151 in used auto loans and $5,668,291 in total loans and leases to support your financial goals across various sectors.

Growing Member Trust

With a total of 2,245 share accounts, we have built a strong and growing member base that trusts us with their finances. This trust drives us to maintain the highest standards of service. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Cha-tel is your trusted partner. Visit us at 1500 Maccorkle Ave Se Charleston Wv 25396 or call (304) 344-3330 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.

Member-Centric Savings Solutions

Members' savings are secured through $2,822,575 in share certificates, offering stable and rewarding financial growth opportunities. We prioritize our members above all else; this means our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our $0 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 2 full-time employees and 1 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Solid Financial Health

With a net worth of $1,499,683, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,341 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

Additional Services

If you're considering refinancing options or checking eligibility for any of our products, please reach out! Our team is ready to assist you with any questions regarding our services. You can contact us at 304-344-3330 during our lobby hours: Monday from 10 AM to 6 PM and Tuesday through Friday from 9 AM to 4 PM. 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 Cha-tel, we're dedicated to providing personalized service and comprehensive solutions designed around your financial journey.

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. We have already issued $2,105,494 in used vehicle loans and $2,075,580 in new vehicle loans, helping members get on the road with ease. Whether you're looking for a reliable used car or a brand-new vehicle, our team can help you find the right financing solution.

Business Loans

For business owners, our outstanding commercial loans totaling $66,914 provide the capital needed to grow and expand your business. We understand that every business has unique needs and are committed to helping you succeed.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. Although we currently do not offer Junior Lien 1-4 Family Residential Properties loans, our commitment to providing affordable financing remains strong.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans. Currently, we have provided $0 in unsecured credit card loans; however, we're always ready to discuss how we can assist you with managing your finances effectively.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency in the comparison process. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results that you can trust. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions quickly. 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!" This kind of feedback highlights the effectiveness and user satisfaction surrounding the tool. 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.*

Ensuring Accurate Loan Comparisons

LendMesh ensures accurate loan comparisons by sourcing data 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 guarantees that users receive fair and transparent offers tailored to their needs.

CHA TEL FEDERAL CREDIT UNION - Charleston, WV