Credit Union of Richmond VA | Best Auto Loans & Business Banking

Introduction

Welcome to Credit Union Of Richmond Incorporat, your trusted partner in financial wellness since 1923. Located at 1601 Ownby Ln, Richmond, VA 23220, we are dedicated to providing our members with a range of financial services designed to support their needs and empower their financial future. With a strong community focus and a commitment to personalized service, we proudly serve over 4,794 members and manage total assets of $64,898,450. At our credit union, we understand that every member's journey is unique. That's why we offer a variety of products tailored just for you from checking and savings accounts to auto loans and mortgage financing. Our total loans stand at 3,662, ensuring that whether you're looking for personal financing or business solutions, we've got you covered. While members can visit us at our branch on Ownby Lane, official correspondence should be sent to the same address. We encourage you to reach out with any questions or to discuss how we can assist you further. You can contact us at 804-355-9684 or explore more about our offerings by visiting our website at curich.org. Under the leadership of CEO Arthur Hart and Board President Alvin Strother, our team of dedicated professionals comprising nine employees works tirelessly to ensure that each member feels valued and supported. Our commitment goes beyond banking; it's about making a meaningful impact in our community through responsible financial practices. Join us today as we continue to build a brighter financial future together! Whether you're opening an account or applying for a loan, we're here to help every step of the way. Visit us in person or online, and let's achieve your financial goals together!

Branch History & Mission

At Credit Union Of Richmond Incorporat, our journey began in 1923, rooted in the heart of Richmond, VA. Over the decades, we have grown from a small financial cooperative into a trusted partner for nearly 4,800 members, nurturing their financial dreams and aspirations. Our branch is located at 1601 Ownby Ln, Richmond, VA 23220, a spot that has become synonymous with community banking in our vibrant city. Our mission is simple yet profound: to provide exceptional financial services while fostering a sense of community and support among our members. We believe in empowering individuals and families through accessible banking options that promote financial well-being. From personal banking solutions like checking and savings accounts to auto loans and credit cards with rewards, we strive to meet the diverse needs of our members. Since our inception, we have continually evolved to meet changing financial landscapes. With total assets now exceeding $64,898,450, we are committed to safeguarding our members' investments while ensuring they receive personalized service. Our operating hours reflect our dedication to accessibility Monday through Wednesday from 8 AM to 4 PM for both lobby and drive-thru services, and Thursday through Friday maintaining lobby hours from 8 AM to 4 PM while extending drive-thru service until 6 PM. In addition to traditional banking services, we recognize the importance of technology in enhancing member experiences. Our online banking platform provides convenient access to account management anytime, anywhere. Plus, with ATM availability and drive-thru banking options at your service, managing your finances has never been easier. We are also dedicated to giving back to the Richmond community through various outreach initiatives and partnerships. We take pride in supporting local events and programs that uplift those around us. Each member's success contributes to the collective growth of our community a principle we hold dear. While members can visit us at 1601 Ownby Ln, official correspondence should be sent to the same address. If you're looking for a credit union that prioritizes people over profit, look no further than Credit Union Of Richmond Incorporat. Join us today! Experience firsthand how we can help you reach your financial goals and become part of a supportive community focused on building brighter futures together. For more information or assistance, feel free to call us at 804-355-9684 or explore our website at curich.org.

Branch Location & Accessibility

Call Us Today!

Have questions? Want to learn more about how we can help you achieve your financial dreams? Don't hesitate to reach out! You can call us at 804-355-9684 or simply drop by. We look forward to welcoming you into our community-focused credit union!

Convenient Location

Situated near vibrant local attractions and community landmarks, our branch is a hub for friendly financial services. You can easily stop by after visiting nearby parks or shopping areas. With ample parking available, accessing our location is hassle-free. We also ensure that our facilities are ADA-compliant, featuring ramps and accessible entrances so everyone can visit us comfortably.

Operating Hours

We understand that flexibility is key for our members. Our lobby and drive-thru services are open Monday through Wednesday from 8 AM to 4 PM, and Thursday through Friday from 8 AM to 4 PM for the lobby and from 4 PM to 6 PM for the drive-thru. This means you can take care of your banking needs at a time that works best for you!

Services Offered

At the Credit Union of Richmond Incorporat, we offer a wide range of services tailored to meet your financial goals. From checking and savings accounts to auto loans and mortgages, we strive to provide everything you need under one roof. Plus, with an ATM available on-site and drive-thru banking for quick transactions, managing your money has never been easier. While members can visit us at 1601 Ownby Ln, official correspondence should be sent to the same address as our mailing address is also 1601 Ownby Ln, Richmond, VA 23220.

Member Eligibility

At Credit Union Of Richmond Incorporat, we believe that everyone deserves a supportive community where they can thrive. Joining us is simple and welcoming! If you live, work, worship, or attend school in Richmond City, you're already eligible to become a member. We invite you to experience the unique benefits our credit union offers, from personalized service to competitive rates on loans and savings accounts. It's not just about banking; it's about being part of a family that cares about your financial well-being. For more details on eligibility requirements, feel free to check out this link: https://www.curich.org/about-us/become-a-member. Ready to take the next step? Opening an account with us is a breeze! Just visit our website at https://online.curich.org/auth/enrollment or give us a call at (804) 355-9684 if you have any questions. We're here to help you every step of the way! Join us at our branch located at 1601 Ownby Ln Richmond Va 23220, and let's build your financial future together.

Business Banking & Commercial Services

Merchant Services that Make Sense

In addition to loans, we offer practical merchant services that simplify everyday transactions. Imagine having an easy way to accept payments from customers, whether they're using cash, credit cards, or mobile payments. Our services help you manage sales efficiently so you can focus on what truly matters growing your business. Located conveniently at 1601 Ownby Ln Richmond Va 23220, our team is here to partner with you on your journey. Reach out at (804) 355-9684 to learn more about how we can support your business goals!

Tailored Loan Solutions

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.

Comprehensive List Of Services

Business Banking Services

For our business members, we offer comprehensive Business Banking solutions, including merchant services and business loans that support your entrepreneurial dreams. We are committed to helping local businesses thrive by providing financial tools that enable growth and sustainability.

Convenient Digital Features

In today's fast-paced world, convenience is key. That's why we prioritize digital banking options. With our Online & Mobile Banking, managing your finances has never been easier. You can check balances, transfer funds, and pay bills right from your smartphone or computer. Our ATM & Cash Withdrawal Services give you access to your money whenever you need it no more waiting in long lines! Additionally, we provide basic drive-thru banking for quick deposits and withdrawals as well as easy ATM access for balance checks and cash withdrawals.

Get Started Today!

Whether you're looking to open an account or learn more about our services, we're here to assist you every step of the way. Feel free to reach out at (804) 355-9684 or visit us at 1601 Ownby Ln Richmond Va 23220 in Richmond, VA during our lobby hours: Monday through Wednesday from 8 AM to 4 PM, and Thursday through Friday from 8 AM to 6 PM (drive-thru open until 6 PM). Join us at Main Office today and experience personalized service that prioritizes your financial well-being!

Personal Banking Solutions

For individuals seeking reliable banking options, we offer Personal Banking services that include checking and savings accounts designed to help you manage your daily finances. Need a new vehicle? Our Auto Loans & Vehicle Financing can get you behind the wheel with competitive rates and flexible terms. If you're considering buying a home, our Mortgage Loans & Refinancing options can guide you through the process smoothly, ensuring you find a solution that fits your budget. We also understand that life can throw unexpected expenses your way. That's why our Personal Loans & Debt Consolidation services provide a safety net, helping you consolidate debt or cover urgent costs without stress. Plus, with our Credit Cards with Rewards, you can earn points on everyday purchases that can lead to great rewards over time.

Digital & Online Banking

In today's fast-paced world, convenience and security are more important than ever. At Credit Union Of Richmond Incorporat, we understand the need for easy access to your finances, which is why we offer a range of digital and online banking services designed with you in mind. Whether you're at home or on the go, our banking platform keeps you connected to your accounts securely and efficiently. With our 24/7 online banking services available at https://curich.org/, managing your finances has never been easier. You can check your account balances, transfer funds, and pay bills all from the comfort of your own home or wherever life takes you. Plus, for those who love a quick and hassle-free way to send money to friends or family, our person-to-person transfers feature is just a click away. Security is also a top priority at Credit Union Of Richmond Incorporat. We offer electronic signature authorization, ensuring that your transactions are safe and verified. You can feel confident knowing that your personal information is protected while you enjoy the convenience of online banking. We also provide e-statements, allowing you to receive your account statements electronically no more paper clutter! This service not only saves trees but also gives you instant access to your financial records whenever you need them. For those who prefer using their mobile devices, we've got you covered with our mobile payments feature. While we currently don't have a dedicated mobile application, our website is fully optimized for mobile use, making it easy to manage your accounts on any smartphone or tablet. At Credit Union Of Richmond Incorporat, we're committed to making banking accessible and user-friendly for everyone. Explore all these features and more by visiting https://curich.org/. Experience the freedom of managing your finances anytime, anywhere!

Financial Strength

Growing Membership Base

We are proud to serve a growing member base of 4,794, showing strong trust among our community. With total share accounts reaching 11,515, it's clear that many choose Credit Union Of Richmond Incorporat as their preferred financial partner. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Credit Union Of Richmond Incorporat is your trusted partner. Visit us at 1601 Ownby Ln Richmond Va 23220 or call 804-355-9684 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

Members' savings are secured through $6,530,538 in share certificates and $2,607,301 in money market shares, offering stable and rewarding financial growth opportunities. We prioritize our members; with non-member deposits currently at $0, our resources focus on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our operational efficiency is reflected in our net income of $0, which allows us to continue offering competitive loan rates and solid financial products for our members without compromising service quality. We also take pride in having 9 full-time employees, ensuring our branch is always ready to assist you with knowledgeable support.

Reinvestment for Growth

With $10,415,626 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Our lending capacity is robust with $11,661,249 in used auto loans and a total of $24,501,684 in loans and leases available for members' various financial goals.

Strong Financial Health

With a net worth of $12,745,420, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 19.61% 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 $11,501,529 in used vehicle loans and $3,969,427 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new model or a reliable used car, our team is here to guide you through every step of the process.

Business Loans

For business owners, our outstanding commercial loans provide the capital needed to grow and expand. Although currently there are no outstanding commercial loans listed, our commitment remains strong in supporting local businesses when they need it most. At Credit Union Of Richmond Incorporat, we're dedicated to providing personalized service and expert guidance to help you navigate your financial journey. If you're considering refinancing or would like to learn more about eligibility options for any of our loan products, don't hesitate to reach out. You can contact us at (804) 355-9684 or visit us at our branch located at 1601 Ownby Ln Richmond Va 23220 in Richmond, VA. Explore how our loan offerings can support you today!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $1,395,038, make buying or refinancing simple. We work with you to find the right solution for your unique situation, ensuring that you feel confident and informed as you embark on this important journey.

Unsecured Credit Card Loans

Managing everyday expenses can sometimes be challenging. That's why we also offer flexible terms on unsecured credit card loans, with a total of $1,880,427 in loans helping members manage their finances effectively. With our credit card options, you can enjoy benefits such as rewards programs and competitive interest rates tailored to fit your lifestyle.

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CREDIT UNION OF RICHMOND INCORPORAT CREDIT UNION - Richmond, VA

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