Cpm Credit Union North Charleston SC | Affordable Auto Loans & Business Banking

Introduction

Welcome to Cpm, your trusted partner in financial services located at 1066 E Montague Ave, North Charleston, SC 29405. Since our establishment in 1955, we have grown into a vital resource for our community, serving over 64,232 members with dedication and care. Our commitment to helping you achieve your financial goals is reflected in our robust financial health, boasting total assets of $632,504,167 and total deposits amounting to $39,417,478. At Cpm, we understand that every member's journey is unique. Whether you're looking to purchase a new vehicle or save for a dream home, we're here to support you every step of the way. With over 29,540 loans and leases issued, we have the experience and expertise to provide personalized solutions tailored just for you. Under the guidance of our CEO, James Gergen, and Board President Michael Chodnicki, our team of 197 employees works tirelessly to ensure that your experience with us is seamless and fulfilling. We take pride in offering a range of services including personal banking, auto loans, mortgage options, and business banking solutions. Our modern online and mobile banking facilities further enhance your access to your finances anytime and anywhere. While members can visit us at our branch location for face-to-face assistance or use our ATM services conveniently available on-site, official correspondence should be directed to our mailing address: 1066 E. Montague Avenue, North Charleston, SC 29405. Join us today and discover how Cpm can help you thrive financially. For more information or any inquiries, feel free to reach out at 800-255-1513. We look forward to serving you!

Branch History & Mission

Our Mission

At Cpm, our mission is simple yet profound: to empower our members through exceptional financial services while actively supporting our community. We believe that everyone deserves access to quality banking products that can help them achieve their financial goals. That's why we strive to provide personalized support along with modern conveniences like online banking and mobile payments. We also take pride in being involved in community outreach efforts. Whether it's partnering with local organizations or sponsoring events that promote financial literacy and well-being, we are dedicated to making a positive impact beyond just banking. While members can visit us at 1066 E Montague Ave, official correspondence should be sent to 1066 E. Montague Avenue, North Charleston, SC 29405 if different details apply. We invite you to experience our friendly service during our operating hours: Monday through Thursday from 9:00 a.m. to 5:00 p.m., and Friday until 6:00 p.m. In addition to providing essential banking services, we also ensure convenience for our members with ATM availability right here at the branch and shared service center options for those who may need them. Join us at Cpm today! Discover how we can help you build your financial future while being part of a supportive community. Whether you're looking to open an account or simply need assistance with your existing services, our team is here for you every step of the way. Feel free to reach out at 800-255-1513 or visit us online at cpmfed.com. Together, let's thrive!

Branch Location & Accessibility

Convenient Access

Finding us is easy! Our branch is situated near several local landmarks, making it a well-known spot in the community. We pride ourselves on our accessibility features, ensuring that everyone can visit us comfortably. Parking is available nearby, and our facilities are designed with ADA compliance in mind, including ramps for easy access.

Operating Hours

We understand that life can be busy. That's why our doors are open Monday through Thursday from 9:00 a.m. to 5:00 p.m., and on Fridays until 6:00 p.m. If you need assistance outside these hours, feel free to reach out at (800) 255-1513 we're here to help!

Services Offered

At Cpm, we provide a wide range of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we have something for everyone. Plus, our shared service center allows members from partner credit unions to conduct basic transactions seamlessly. And don't forget about our ATM availability convenience is just a card swipe away! While members can visit us at 1066 E Montague Ave North Charleston Sc 29405, official correspondence should be sent to 1066 E. Montague Avenue, North Charleston, SC 29405 for any paperwork or inquiries. We invite you to stop by or give us a call at (800) 255-1513 today. Our team looks forward to welcoming you into the Cpm family!

Member Eligibility

Becoming a member of Cpm is like joining a caring family that looks out for your financial well-being. To qualify for membership, you typically need to be a resident of the local community or work in the area surrounding our branch. We welcome individuals from various backgrounds, so whether you're looking for personal banking services or planning to secure a loan, you're likely to fit right in with us. If you want to dive deeper into the specific eligibility criteria, feel free to visit our website at . Once you're ready to join, opening an account is simple and straightforward. Just head over to our account opening page at https://cpmanytime.cpmfed.com/authentication , and you'll find everything you need to get started. Should you have any questions along the way, don't hesitate to reach out at (800) 255-1513. We're excited to help you take this important step towards a brighter financial future!

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 also support the broader business community with $31 in non-member commercial loans, providing flexible financing solutions. Imagine needing quick access to funds to purchase new equipment or hire additional staff. With our tailored loan options, we provide the financial backing you need to seize opportunities as they arise.

Merchant Services

In addition to loans, we offer merchant services designed to simplify payment processing for your business. Picture this: a busy day at your shop where customers are ready to check out, and our seamless payment solutions ensure that transactions are quick and efficient. No more long waits; just smooth sales that keep your customers happy. No matter what stage your business is in, Cpm is here to help you thrive. Visit us at 1066 E Montague Ave North Charleston Sc 29405 in North Charleston, SC or call us at (800) 255-1513 for personalized service tailored to your unique needs!

Comprehensive List Of Services

ATM Services and Shared Branch Transactions

Need cash or want to make deposits? Our ATM & Cash Withdrawal Services are available at various locations for quick access to your funds. We also participate in basic shared branch transactions for partner credit union members, allowing you to deposit or withdraw funds easily when you're away from home. To learn more about how Cpm can assist you in achieving your financial dreams, please don't hesitate to reach out! You can contact us at (800) 255-1513 or visit us at 1066 E Montague Ave North Charleston Sc 29405 in North Charleston. We're here to help!

Business Banking Services

For our business members, we offer essential Business Banking services including merchant services and business loans. Whether you're starting a new venture or expanding an existing one, we provide support tailored to businesses of all sizes.

Convenient Digital Banking

In today's fast-paced world, convenience is key. That's why we provide robust Online & Mobile Banking options. Access your accounts anytime, anywhere with features like mobile payments and person-to-person transfers. Managing your finances has never been easier!

Home Financing Options

Thinking about buying a home? Our Mortgage Loans & Refinancing services make home ownership achievable. We guide you through the mortgage process, ensuring you find the right loan that fits your financial picture. If you already own a home and are considering refinancing, we're here to help streamline that process as well.

Personal Banking Made Easy

We understand that every member has unique financial goals. That's why we offer Personal Banking solutions including checking and savings accounts designed for your everyday needs. Whether you're saving for a dream vacation or just want a safe place for your funds, we have options that fit your lifestyle. If you're in the market for a new vehicle, our Auto Loans & Vehicle Financing services can get you behind the wheel quickly and affordably. We work with you to find competitive rates and flexible terms that suit your budget.

Rewarding Credit Solutions

Don't forget about our Credit Cards with Rewards! Enjoy benefits like cashback or travel points while making everyday purchases. It's an easy way to earn rewards just for using your card.

Support for Personal Needs

Life can throw unexpected expenses your way, but with our Personal Loans & Debt Consolidation, you can tackle those challenges head-on. Our team will assist you in finding manageable payment plans to reduce stress and help improve your financial situation.

Digital & Online Banking

E-Statements and Security Features

Say goodbye to paper clutter! With our e-statements feature, available at Yes, you can receive your statements electronically. This not only helps the environment but also makes it easier for you to keep track of your financial history. And when it comes to security, we prioritize protecting your information. Our electronic signature authorization system ensures that all your transactions are secure and verified.

Mobile Payments and Transfers

In today's fast-paced world, mobile payments are a must-have. At Cpm, we support mobile payments through our app, making it easy for you to shop or transfer money quickly. Want to send money to a friend? Our person-to-person transfers feature allows you to do just that with ease no cash needed! Our user-friendly mobile application is designed for members who are always on the go. You can manage your accounts right from your phone, ensuring you're always connected to your finances. With the blend of convenience, security, and accessibility offered by Cpm's digital banking services, managing your money has never been easier. Explore all these features today at https://www.cpmfed.com/ and take charge of your financial future!

Financial Strength

A Dedicated Team at Your Service

We take pride in having 185 full-time employees and 12 part-time employees who are dedicated to serving you with expertise and care. Our team is always ready to assist you in navigating your financial journey.

Growing Together

With a total of 126,458 share accounts, our member base continues to grow as more individuals trust us with their finances. This trust allows us to strengthen our community ties while enhancing the services we provide. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Cpm is your trusted partner. Visit us at 1066 E Montague Ave North Charleston Sc 29405 or call (800) 255-1513 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 Savings and Investments

Members' savings are secured through $90,860,328 in share certificates and $127,888,642 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $257,512, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Our Financial Health

With a net worth of $62,950,178, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $992 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Reinvestment for Growth

With $61,029,839 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. This commitment enables us to support various financial needs effectively.

Supporting Your Financial Goals

Our lending capacity is robust, with $4,510 in used auto loans and $425,597,902 in total loans and leases. This means we are well-equipped to help you finance your dreams whether it's purchasing a vehicle or other significant investments. Although our current net income stands at $0, it reflects our operational efficiency as we continue to focus on offering competitive loan rates and solid financial products for our members.

Loan Offering

Additional Services

Our branch at 1066 E Montague Ave North Charleston Sc 29405, North Charleston, SC offers not just loans but a range of personal banking services tailored for our members. From checking and savings accounts to debt consolidation options, we strive to be your go-to financial partner. Feel free to reach out at (800) 255-1513 or visit us during our operating hours: Monday through Thursday from 9:00 AM to 5:00 PM and Friday from 9:00 AM to 6:00 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. Whether you're ready to apply or just want more information about our loan offerings, we're here to help! Let's take the next step toward achieving your financial goals together at Cpm.

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $65,839,543 in used vehicle loans and $26,579,418 in new vehicle loans already helping members get on the road. We provide financing options for both new and used vehicles, making it easy to drive away in the car you want.

Credit Lines and Unsecured Loans

For those who need flexibility in managing their finances, we also offer credit lines totaling $66,681,731. This option allows you to access funds as needed without having to apply for a new loan each time. Additionally, our flexible terms on unsecured credit card loans have resulted in a total of $18,990,826 helping members manage their expenses effectively.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $41,161,512, make buying or refinancing simple. We know that purchasing a home is a significant milestone, and our team is here to guide you through every step of the process. Plus, if you're considering refinancing an existing mortgage, we can help you explore eligibility options that might lower your monthly payments.

Loan Aggregator

Benefits of Using LendMesh

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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 users seeking loans. The platform verifies that each lender meets stringent criteria, so users can trust the information they receive.

CPM FEDERAL CREDIT UNION