Emergency Responders Credit Union Winston Salem NC | Affordable Auto Loans & Business Banking

Introduction

Welcome to Emergency Responders Credit Union, a trusted financial partner in our community since 1940. Located at 1777 Link Rd, Winston Salem, NC 27103, we proudly serve over 3,268 members with a commitment to providing personalized financial solutions that meet your needs. At Emergency Responders Credit Union, we understand the unique challenges faced by our members, especially those dedicated to serving others. Our mission is to empower you with the tools necessary for financial success. With total assets of $29,804,062 and total deposits amounting to $4,349,791, we are equipped to support your financial journey whether you're looking for auto loans, personal banking options, or business services. Our team of 8 employees, led by CEO Janita Rickett and Board President James Gauldin, is here to ensure you receive exceptional service. We take pride in our strong financial health, with a net worth of $3,202,452 and cash in hand totaling $265,069. This means you can trust us to be here for you today and in the future. While members can visit us at our main branch location, official correspondence should be sent to the same address: 1777 Link Rd, Winston Salem, NC 27103-4625. If you have questions or need assistance, please don't hesitate to reach out at 336-723-0619 during our operating hours from 7:30 am to 5:30 pm, Monday through Friday. Join us in experiencing the difference that a community-focused credit union can make. Visit our website at www.emrspcu.com or give us a call today! Let's work together towards your financial goals.

Branch History & Mission

Community Commitment

Emergency Responders Credit Union is more than just a financial institution; we are deeply rooted in community outreach. We believe in giving back to those who give so much. Through various partnerships and initiatives aimed at supporting local events and programs for first responders and their families, we strive to uplift our community. In addition to traditional banking services, we have embraced technology with online and mobile banking options that allow you to manage your finances anytime and anywhere. With features like electronic signatures and person-to-person payments, we make it easy for you to stay connected with your money. We invite you to join us at Emergency Responders Credit Union. Experience how we can help you achieve your financial goals while being part of a caring community. For more information about membership eligibility or to explore our services further, please visit our website at Emergency Responders Credit Union. Together, let's build a brighter financial future!

Our Mission

At Emergency Responders Credit Union, our mission is to empower our members through personalized financial solutions while fostering a sense of community. We provide a wide range of services including checking and savings accounts, auto loans, mortgage options, personal loans, and credit cards with rewards tailored specifically for our members' needs. We also offer business banking services to support local entrepreneurs. As part of our commitment to making banking accessible for everyone, we ensure that our facilities comply with ADA standards. Our operating hours are convenient as well; we welcome you Monday through Friday from 7:30 am to 5:30 pm. Plus, enjoy the ease of drive-thru banking for deposits and withdrawals without leaving your vehicle.

Branch Location & Accessibility

Finding Us

Located just a stone's throw away from notable landmarks like the local community center and several parks, our branch is not only easy to find but also accessible for everyone. We have ample parking available right outside, ensuring that your visit is as hassle-free as possible. For those who may need assistance, we offer ADA-compliant features including ramps and designated parking spaces.

Our Hours and Services

We are open Monday through Friday from 7:30 am to 5:30 pm, allowing you plenty of time to drop by after work or during your lunch break. At our branch, we provide a range of personal banking services that include checking and savings accounts, auto loans, mortgage loans, and even credit cards with rewards. Plus, if you need to make quick transactions, our drive-thru service is ready to assist with deposits and withdrawals. While members can visit us at 1777 Link Rd for all their banking needs, please note that any official correspondence should be sent to the same address. If you have any questions or need assistance, feel free to give us a call at 336-723-0619. We look forward to welcoming you into the Emergency Responders Credit Union family!

Member Eligibility

At Emergency Responders, we believe that everyone deserves access to a supportive financial community. Joining us is simple and welcoming! If you are an emergency responder or a family member of one, you're already on the right path to becoming a member. We're here for those who dedicate their lives to helping others, so if you serve in law enforcement, firefighting, or emergency medical services, you qualify to join our credit union. You can find detailed eligibility criteria by visiting this link. Once you're ready to take the next step, opening an account at Emergency Responders is easy and straightforward. Our friendly team is here to guide you through the process and ensure that your experience is smooth. Plus, as a member, you'll enjoy benefits like competitive loan rates, personalized service, and a strong sense of community support. Feel free to reach out at (336) 723-0619 if you have any questions or need assistance! We can't wait to welcome you to our family at Emergency Responders, located conveniently at 1777 Link Rd Winston Salem Nc 27103.

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 $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.

Merchant Services

In addition to loans, we offer merchant services that make it easier for you to run your business. Imagine being able to accept payments anywhere be it a busy storefront or a pop-up event. Our services help streamline transactions and enhance customer experience, allowing you to focus on what matters most: growing your business. With our dedicated team at Emergency Responders located at 1777 Link Rd Winston Salem Nc 27103, we're here to partner with you on your journey toward success. Call us today at (336) 723-0619 to learn more about how our business banking solutions can work for you!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about buying a new car? We offer auto loans and vehicle financing options that can make your dream ride a reality. With competitive rates and flexible terms, getting behind the wheel has never been easier. Whether it's a new car or a used one, we're here to guide you through the financing process.

Business Banking

For our business members, we provide comprehensive banking solutions including merchant services and business loans. Whether you're starting a new venture or looking to expand an existing one, we're committed to supporting local businesses thrive in our community.

Credit Cards with Rewards

Make every purchase count with our credit cards that offer rewards. Enjoy benefits like cashback or points redeemable for travel or merchandise. It's an excellent way to earn while you spend on things you already need!

Digital Banking Features

In today's fast-paced world, convenience is key. That's why Emergency Responders offers robust online and mobile banking options. You can conduct transactions anytime, anywhere whether it's making deposits, transferring funds between accounts, or setting up automatic bill payments. Additionally, while we do not have ATMs available at this branch location, our drive-thru service ensures quick access for basic transactions like deposits and withdrawals without leaving your vehicle. At Emergency Responders, we believe that banking should be straightforward and accessible for everyone. Our friendly staff is always ready to assist you in navigating our various services so that you can focus on what truly matters your financial goals. If you're ready to explore how we can help you succeed financially, give us a call at (336) 723-0619 or visit us at 1777 Link Rd Winston Salem Nc 27103 in Winston Salem, NC. We look forward to welcoming you!

Mortgage Loans & Refinancing

Owning a home is an important milestone, and at Emergency Responders, we provide mortgage loans tailored for first-time buyers and seasoned homeowners alike. If you're already a homeowner looking to refinance, our team can help you explore options that may lower your monthly payments or help you tap into your home's equity.

Personal Banking

Whether you're looking to open a checking or savings account, Emergency Responders has you covered. Our personal banking services are designed to help you manage your day-to-day finances efficiently. Imagine having easy access to your funds, along with features like online and mobile banking that let you check your balance, pay bills, and transfer money from anywhere.

Personal Loans & Debt Consolidation

Need some extra cash for unexpected expenses? Our personal loans are available to assist with anything from home repairs to vacations. If you're juggling multiple debts, consider our debt consolidation loans. We can help simplify your finances by combining your existing loans into one manageable payment.

Digital & Online Banking

Key Features

For those who prefer to manage their finances on-the-go, our mobile application is here to help. It supports mobile payments, so whether you're grabbing coffee or making a big purchase, you can do it all from the palm of your hand. Plus, with person-to-person transfers, sending money to friends and family has never been easier. To enhance your experience further, we offer electronic signature authorization for documents. This means you can sign important paperwork digitally saving you time and hassle. Additionally, e-statements are available for easy access to your financial records without the clutter of paper statements.

Security and Convenience

At Emergency Responders, we prioritize your security. Our online services come equipped with robust security measures that protect your personal information while providing ease of use. You'll enjoy real-time account management with peace of mind knowing that your data is safe. Whether you're at home or out and about, our digital banking services make it simple to stay in control of your finances. Experience the convenience and efficiency of modern banking with Emergency Responders today!

Financial Strength

Growing Member Base

Total Share and Deposit Accounts: 5,325 show a strong and growing member base that trusts us with their finances. This trust is foundational as we work tirelessly to meet your banking needs. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Emergency Responders is your trusted partner. Visit us at 1777 Link Rd Winston Salem Nc 27103 or call (336) 723-0619 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

Members' savings are secured through $6,519,070 in share certificates and $8,227,318 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.

Operational Efficiency

Our operational efficiency is also highlighted by our $-107,157, enabling us to continue offering competitive loan rates and solid financial products for our members. We have a committed team ready to assist you with your needs comprising 6 full-time employees and 2 part-time employees who are always available to provide knowledgeable service.

Reinvestment in Your Future

With $3,309,609 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our ability to provide support is reflected by our $546 in used auto loans and $24,459,948 in total loans and leases; these figures show our dedication to helping you achieve your financial goals across various sectors.

Solid Financial Health

With a net worth of $3,202,452, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,075 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 $10,000,040 in used vehicle loans and $4,115,320 in new vehicle loans already helping members get on the road. Whether you're interested in financing a new vehicle or refinancing an existing loan, our team can assist you in finding the best option tailored to your needs.

Credit Lines and Unsecured Credit Cards

For those looking for more flexibility, we offer credit lines totaling $2,900,000 to help manage unexpected expenses or larger purchases without hassle. Additionally, our unsecured credit card loans amounting to $683,170 provide a practical way for members to handle everyday expenses while enjoying flexible repayment terms. Our commitment is not just to lend money but also to ensure that you are equipped with the right information and tools for responsible borrowing. If you're considering refinancing any of your current loans or exploring eligibility options for our products, our knowledgeable staff will be happy to assist you. 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 Emergency Responders, we aim to empower you with tailored financial solutions that align with your lifestyle and aspirations. Come visit us today or give us a call at (336) 723-0619 to learn more about how we can support your financial journey!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $5,328,455, make buying or refinancing simple. We can guide you through the process and explain eligibility requirements so that you feel confident every step of the way.

Loan Aggregator

How LendMesh Ensures Accurate Comparisons

LendMesh guarantees accurate loan comparisons through several key practices: - Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. Users can trust that the information presented is both current and reliable. - No Sponsored Listings: Unlike many comparison tools, LendMesh does not prioritize lenders based on paid promotions. The goal is to provide unbiased results that empower users to make informed decisions without hidden influences. - Real-Time Rate Comparisons: With access to up-to-date loan rates from multiple institutions, LendMesh helps users navigate their options effectively, allowing them to choose the best financial product for their situation. 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!" Such testimonials reinforce the platform's credibility and effectiveness. To explore your options further and compare real-time loan offers today, visit 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.