City of Fairmont Credit Union WV | Low Mortgage Rates & Business Loans

Introduction

Welcome to City Of Fairmont, your trusted financial partner located at 500 Quincy St, Fairmont, WV 26554. Established in 1967, we have dedicated ourselves to serving our community with a strong focus on personal banking and member satisfaction. With a total membership of 328 individuals, we pride ourselves on being a part of the fabric of Fairmont. At City Of Fairmont, we understand that financial decisions are significant, which is why our team is here to offer personalized services tailored just for you. We manage over $1,398,503 in total assets, ensuring that your money is in safe hands. Our commitment extends beyond just numbers; it's about fostering relationships built on trust and support. While members can visit us at our branch location, official correspondence should be sent to our mailing address: P.O. Box 868, Fairmont, WV 26554. We invite you to explore various financial products including auto loans, savings accounts, and more. With $158,736 in total deposits and 104 loans currently in place, we're ready to help you achieve your financial goals. Under the leadership of CEO James Emerick and Board President Rick Geldbaugh, our team of three dedicated employees works tirelessly to ensure that every member receives the attention they deserve. Whether you need assistance with personal loans or business banking services, we're here for you. Feel free to reach out to us at (304) 366-9280 for any inquiries or visit us during our lobby hours from Monday through Friday between 4:00 PM and 6:30 PM. Join us today and discover how City Of Fairmont can help you thrive financially!

Branch History & Mission

Community Focus

City Of Fairmont actively engages with the community through partnerships and outreach initiatives that foster economic development and improve lives. Our shared service center allows us to extend our reach further into the community while ensuring that all members receive timely assistance. As we continue to embrace modern advancements within banking practices while maintaining compliance with ADA standards we remain committed to meeting the diverse needs of our members through customer-centric initiatives. We invite you to join us at City Of Fairmont. Experience firsthand how our dedicated team works tirelessly to provide personalized financial solutions that truly make a difference. Together, let's build a brighter future for our community! If you have any questions or need assistance, feel free to reach out by calling us at 304-366-9280.

Our Mission

Our mission is simple yet profound: to provide accessible financial services while enhancing the quality of life for all members in our community. We strive to empower individuals through various offerings such as personal banking accounts, auto loans, mortgage options, and credit cards with rewards. Beyond just financial products, we aim to be a reliable partner in the lives of our members by offering valuable resources and support. While members can visit us at 500 Quincy St for their banking needs, official correspondence should be sent to P.O. Box 868, Fairmont, WV 26554. We understand that accessibility is crucial; however, we currently do not offer ATM or drive-thru services. Instead, we focus on personalized member experiences during our operating hours from Monday through Friday between 4:00 PM and 6:30 PM.

Branch Location & Accessibility

Convenient Features

At City Of Fairmont, we believe that banking should be straightforward and hassle-free. Although we currently do not offer ATM services or drive-thru banking, our dedicated team is here to assist you inside our welcoming lobby during operating hours. We are open Monday through Friday from 4:00 PM to 6:30 PM, making it easy for you to stop by after work or school. For those who may have mobility challenges, rest assured that our branch is equipped with accessibility features to ensure everyone can comfortably access our services. Parking is available right at our location, so you can easily park and come inside without any stress.

Services Designed for You

Our City Of Fairmont branch offers a range of personal and business banking services tailored to meet your financial needs. From checking and savings accounts to auto loans and credit cards with rewards, we've got you covered. If you're looking for basic shared branch transactions like deposits or withdrawals for partner credit union members, we can assist with that too! If you have any questions or need more information about our services, please don't hesitate to call us at 304-366-9280. We're always ready to help! Come visit us today and experience the community-focused banking service that sets City Of Fairmont apart.

Member Eligibility

Joining the City Of Fairmont community is more than just opening an account; it's about becoming part of a supportive family that cares about your financial journey. If you're wondering whether you can become a member, you'll be glad to know that eligibility is open to anyone who lives, works, worships, or attends school in our local area. This welcoming approach means that you can easily connect with us and enjoy the many benefits we offer, like personalized service and competitive rates. For those interested in specific criteria or updates, we encourage you to visit our detailed eligibility page at . Starting your membership is a breeze! Simply reach out to us at (304) 366-9280 for assistance or stop by our branch located at 500 Quincy St Fairmont Wv 26554 during our operating hours from Monday through Friday, 4:00 PM to 6:30 PM. Our friendly team is ready to help you navigate the account-opening process and ensure you feel right at home here at City Of Fairmont. Join us today and take the first step toward a brighter financial future!

Business Banking & Commercial Services

Empowering Business Growth with Loans

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.

Seamless Merchant Services

Imagine a local café that just opened its doors. With our merchant services, they can accept payments easily, manage transactions smoothly, and even get insights into customer preferences. This makes running their business less stressful and more enjoyable. Our goal is to ensure that you have all the tools necessary to thrive in today's competitive market. Located at 500 Quincy St Fairmont Wv 26554 in Fairmont, WV, we're here to partner with you on your journey toward success. Connect with us at (304) 366-9280 for personalized service tailored to your business's needs!

Comprehensive List Of Services

Business Banking Support

For local entrepreneurs, our Business Banking services include essential offerings like Merchant Services and Business Loans. We know how important it is for small businesses to thrive, so we work closely with business owners to understand their unique needs and provide tailored solutions.

Convenient Online & Mobile Banking

In today's fast-paced world, convenience matters. That's why we offer Online & Mobile Banking services that let you manage your accounts anytime, anywhere. Check balances, transfer funds, or pay bills right from your phone or computer it's banking at your fingertips!

Credit Cards with Benefits

Our Credit Cards with Rewards program allows you to earn points on everyday purchases, turning your spending into rewards for travel, shopping, or cash back. It's a simple way to maximize what you get from your purchases while managing your finances responsibly.

Home Sweet Home

If homeownership is your dream, our Mortgage Loans & Refinancing services are here to guide you every step of the way. We understand that buying a home is one of the biggest investments you'll make, so we provide personalized support and competitive rates to ensure you find the perfect mortgage solution.

Personal Banking Solutions

Managing your day-to-day finances is easier with our Personal Banking options, which include checking and savings accounts designed for every member of our community. Imagine having access to your funds whenever you need them, allowing you to handle life's little surprises with ease. Our accounts come with no hidden fees and competitive interest rates that help your money grow over time.

Personal Loans for Life's Needs

Life can throw unexpected expenses your way. That's why we offer Personal Loans & Debt Consolidation options that help you manage those costs without stress. Whether it's consolidating debt or covering an emergency expense, our loans come with straightforward terms and quick approvals.

Shared Branch Transactions

We also participate in shared branching networks, allowing members from partner credit unions to perform basic transactions such as deposits and withdrawals at our location. This feature enhances accessibility and ensures that all members receive exceptional service no matter where they are. If you're ready to explore these services further or have questions about how we can assist you, don't hesitate to reach out! Contact us at (304) 366-9280 or visit us at 500 Quincy St Fairmont Wv 26554 in Fairmont, WV. At City Of Fairmont, we're here for all your financial needs!

Vehicle Financing Made Simple

Thinking about buying a car? Our Auto Loans & Vehicle Financing options can make it happen. We offer competitive rates and flexible terms that can fit any budget. Picture yourself cruising down the road in a new ride while knowing you've made a smart financial choice.

Digital & Online Banking

Accessibility and Security

Managing your accounts should be easy and secure. While we don't have a mobile application or person-to-person transfer options right now, our team is dedicated to ensuring that your information remains safe with us. We prioritize security in everything we do so that you can bank with peace of mind.

Explore Our Online Services

Although we currently do not offer full online banking services through our website, we're committed to keeping you informed. For more details about our offerings, you can visit us at . While features like electronic signatures, e-statements, and mobile payments are not available just yet, we are continuously looking for ways to enhance your banking experience.

Real-Time Account Management

Even without 24/7 online banking capabilities, our friendly staff at City Of Fairmont is here to help during our operating hours. You can always reach out via phone at (304) 366-9280 for any inquiries or assistance. We aim to provide real-time solutions and support whenever you need it. In summary, while there are some limitations with our current digital offerings, we remain focused on enhancing accessibility and security for all members of City Of Fairmont. Your financial well-being is important to us, and we're here to support you every step of the way.

Financial Strength

Commitment to Our Members

Unlike traditional banks, we prioritize our members. We focus our resources on benefiting you through better loan rates and lower fees. With $160,000 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Our lending capacity supports your financial goals across various sectors; we have $13 in used auto loans and $965,271 in total loans and leases, demonstrating our commitment to helping you achieve your aspirations.

Conclusion

Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, City Of Fairmont is your trusted partner. Visit us at 500 Quincy St Fairmont Wv 26554 or call (304) 366-9280 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our $3,412 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 0 full-time employees and 3 part-time employees ready to serve you with a knowledgeable, committed team. With net shares of $100,716, our funds are always available for lending and investments. Plus, we proudly support 415 total share accounts, showing a strong and growing member base that trusts us with their finances.

Secure Savings Options

Members' savings are secured through $201,000 in share certificates, offering stable and rewarding financial growth opportunities. While we currently have no money market shares available, rest assured that your deposits are managed prudently to benefit you directly.

Strong Financial Health

With a net worth of $163,412, we maintain robust financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,168 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 $262,368 in used vehicle loans and $476,008 in new vehicle loans already helping members get on the road. We provide financing options for both new and used vehicles, ensuring you can find a plan that fits your budget.

Credit Lines and Personal Loans

For those seeking additional financial flexibility, we offer total credit lines amounting to $100,000. This allows members to access funds as needed while managing repayment effectively. Additionally, we provide unsecured credit card loans for effective financial management; however, at this time, there are no outstanding unsecured credit card loans available. Our commitment to serving our community means offering loan products that not only fit your immediate needs but also contribute positively towards achieving long-term financial stability. If you have any questions or need more information about our loan offerings, feel free to reach out. You can contact us at (304) 366-9280, or visit us at our branch located at 500 Quincy St Fairmont Wv 26554 in Fairmont, WV. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. We look forward to assisting you in your financial journey!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $0, make buying or refinancing simple. If you're interested in exploring refinancing options or checking your eligibility for our mortgage products, our team is here to help guide you through the process.

Loan Aggregator

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CITY OF FAIRMONT FEDERAL CREDIT UNION - Fairmont, WV