Fairmont Credit Union Morgantown WV | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Fairmont, your trusted partner in financial wellness! Located at 12 Lawless Rd, Morgantown, WV 26501, our branch has been serving the community since 1939. Over the years, we have grown into a reliable credit union with a strong commitment to our 44,522 members. With total assets of $513,634,837 and deposits amounting to $45,691,481, we pride ourselves on maintaining a solid foundation for our members' financial needs. At Fairmont, we understand that banking is not just about numbers; it's about building relationships. Our dedicated team of 115 employees, led by CEO Cindy Dickey and Board President Walter Osborne, is here to provide personalized service tailored to your unique financial journey. Whether you're seeking an auto loan or looking to open a savings account, we offer a range of services designed with you in mind. While members can visit us at our physical location, official correspondence should be sent to our mailing address: PO Box 2139, Fairmont, WV 26555-2139. Our commitment goes beyond mere transactions; we strive to make a positive impact within our community. We invite you to discover the benefits of being part of Fairmont and explore how we can help you achieve your financial goals. Feel free to call us at 304-363-5320 or visit our website at www.fairmontfcu.com for more information or assistance. Your journey toward financial success starts here!

Branch History & Mission

Join Us Today!

We invite you to become part of the Fairmont family. Experience firsthand how our dedicated team can assist you in achieving your financial aspirations. Together, let's build a brighter future for ourselves and our community! For more information or to open an account, visit us online at https://www.fairmontfcu.com/ or give us a call at (304) 363-5320.

Our Mission

At Fairmont, our mission is clear: We are committed to providing exceptional financial services while fostering community support. We believe that everyone deserves access to reliable banking solutions that empower them to reach their goals. Whether it's personal banking, auto loans, or mortgage financing, our team is here to guide you every step of the way. We understand the importance of adapting to modern needs. That's why we offer robust online and mobile banking options, making it easier than ever for you to manage your finances on-the-go. Our commitment extends beyond financial services; we actively engage in community outreach efforts, partnering with local organizations to uplift those around us.

Visit Us

While members can visit us at 12 Lawless Rd Morgantown Wv 26501, official correspondence should be sent to PO Box 2139, Fairmont, WV 26555-2139 if it differs from our physical location. Our operating hours are designed with your convenience in mind: - Lobby Hours: - Monday & Friday: 9:00 AM - 5:00 PM - Tuesday - Thursday: 9:00 AM - 4:00 PM - Saturday: 9:00 AM - 12 PM - Drive-Thru Hours: - Monday - Friday: 8:00 AM - 6:00 PM With ATM availability and drive-thru services, we ensure that accessing your funds and conducting transactions is straightforward and efficient.

Branch Location & Accessibility

Finding Us

Located at the intersection of community and accessibility, Fairmont is close to popular spots that residents know well. With ample parking available right outside, you can easily stop by without the hassle of searching for a spot. Our branch is also equipped with features that ensure everyone can access our services comfortably, including ADA-compliant ramps.

Get in Touch

Our friendly team is here to help! If you have any questions or would like more information about what we offer, don't hesitate to give us a call at (304) 363-5320. We can't wait to welcome you into our community at Fairmont!

Operating Hours

We understand that your time is valuable. That's why our lobby hours are designed to fit your busy schedule. Join us Monday and Friday from 9:00 AM to 5:00 PM, or visit Tuesday through Thursday from 9:00 AM to 4:00 PM. If you're on the go, our drive-thru service is available Monday through Friday from 8:00 AM to 6:00 PM and Saturday from 9:00 AM to 12:00 PM perfect for quick deposits or withdrawals.

Services Offered

At Fairmont, we offer a range of services tailored just for you. From checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. Need cash? Our ATM is readily available for withdrawals and balance checks whenever you need it. Plus, with basic drive-thru banking options for deposits and simple transactions, managing your finances has never been easier. While members can visit us at 12 Lawless Rd Morgantown Wv 26501, official correspondence should be sent to PO Box 2139, Fairmont, WV 26555-2139 if that's more convenient for you.

Member Eligibility

At Fairmont, we believe that everyone deserves a place in our community, and becoming a member is as easy as reaching out! Whether you live, work, or attend school in our service area or have family ties to existing members, you can join us. We welcome individuals from all walks of life who are looking for a supportive financial partner. Plus, being a member means enjoying exclusive benefits like competitive rates on loans and personalized service tailored just for you. To learn more about the eligibility details, feel free to visit our website at https://www.fairmontfcu.com/membership-education . When you're ready to take the next step toward membership, you can easily open an account online by visiting https://online.fairmontfcu.com/registration . If you have any questions, don't hesitate to call us at (304) 363-5320. We're excited to help you start your journey with Fairmont at our branch located at 12 Lawless Rd Morgantown Wv 26501!

Business Banking & Commercial Services

Business Loan Options

Imagine having the capital to purchase new equipment, hire additional staff, or even open a new location. Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $4 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $38 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $821,941, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, our merchant services make transactions easier for your business. Picture this: your customers can pay easily via card or mobile payments, ensuring a smooth checkout experience that keeps them coming back. This not only enhances customer satisfaction but also helps streamline your operations. Visit us at 12 Lawless Rd Morgantown Wv 26501 in Morgantown, WV or give us a call at (304) 363-5320 to learn how we can assist you in achieving your business goals!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Convenience is key! With ATM access available at our branch and throughout the network, withdrawing cash is hassle-free. You can also utilize our drive-thru service for quick deposits and withdrawals without leaving your car. At Fairmont, we're dedicated to making banking straightforward and accessible. Whether you're opening an account or applying for a loan, our friendly staff is ready to assist you with any questions you may have. Ready to explore these services further? Give us a call at (304) 363-5320 or visit us at 12 Lawless Rd Morgantown Wv 26501. Experience personalized financial solutions today!

Auto Loans & Vehicle Financing

Looking to buy a new car? Our auto loans provide competitive rates and flexible terms. We understand that purchasing a vehicle is a significant commitment, so we work with you to find financing that fits your budget. With quick approvals and easy online applications, getting behind the wheel has never been simpler.

Business Banking

For small business owners, we provide essential banking services such as merchant services and business loans. Your business deserves the right financial tools to grow and thrive, and we're committed to helping you every step of the way.

Credit Cards with Rewards

Take advantage of our credit cards that not only provide purchasing power but also reward you for your spending. From cashback offers to travel rewards, we have options that suit different lifestyles and preferences.

Mortgage Loans & Refinancing

If homeownership is on your mind or if you're considering refinancing your existing mortgage, our team is here to guide you through the process. We offer various mortgage loan options tailored to meet your unique situation, ensuring you find a plan that works for you.

Personal Banking

We offer personal banking options that include checking and savings accounts. Whether you're saving for a vacation or managing day-to-day expenses, our accounts come with features that fit your lifestyle. Our online and mobile banking platforms allow you to check balances, pay bills, and transfer funds from anywhere making it easier than ever to manage your money on the go.

Personal Loans & Debt Consolidation

For those unexpected expenses or projects around the house, our personal loans can help bridge the gap. If you're looking to simplify your finances, consider our debt consolidation options. We can help you combine multiple debts into one manageable monthly payment, making it easier for you to stay on track.

Digital & Online Banking

Accessibility and User Experience

With user-friendly navigation and real-time account management tools, our digital services are designed to cater to your needs with simplicity in mind. From checking your account balance to transferring funds instantly, everything is streamlined for a hassle-free experience. At Fairmont, we're committed to ensuring that managing your finances is straightforward and secure. Join us today and discover how our digital banking solutions can fit seamlessly into your daily life!

Key Features

For those who prefer using their smartphones, our mobile application offers all the features of online banking right at your fingertips. Although we currently don't support mobile payments, you can still enjoy person-to-person transfers for easy money sharing with friends and family. We also provide e-statements to help you keep track of your financial activities without the clutter of paper statements. Plus, while we don't offer electronic signature authorization yet, our secure portal ensures that all your data remains safe and protected.

Financial Strength

Commitment to Operational Efficiency

Our operational efficiency is reflected in our $0 which enables us to keep offering competitive loan rates and solid financial products for our members. We also take pride in having 115 full-time employees who are dedicated to providing excellent service every day.

Growing Membership Base

We are proud to have built a strong community with 96,476 total share accounts, showing that many trust us with their finances. This growing membership base enhances our ability to serve you better while keeping your money safe. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Fairmont is your trusted partner. Visit us at 12 Lawless Rd Morgantown Wv 26501 or call (304) 363-5320 to learn more about how we can help you achieve your financial goals.

Innovative Reinvestment Strategies

With $49,763,945 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 bolstered by $3,783 in used auto loans and $345,017,510 in total loans and leases, supporting your financial goals across various sectors.

Member-Centric Savings Options

Members' savings are secured through $96,292,490 in share certificates, offering stable and rewarding financial growth opportunities. While we focus on our members' interests first, our resources are also backed by $0 in non-member deposits this ensures that our primary goal remains serving you with better loan rates and exclusive perks.

Solid Financial Foundation

With a net worth of $50,353,540, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $998 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 $79,072,747 in used vehicle loans and $79,958,070 in new vehicle loans already helping members get on the road. Whether you're interested in financing a new model or purchasing a reliable used vehicle, our team is ready to assist you every step of the way.

Commercial Loans

For business owners, our outstanding commercial loans totaling $821,941 provide the capital needed to grow and expand. We understand the unique challenges businesses face and aim to offer solutions that help them thrive. If you're considering refinancing any existing loans or would like to learn about eligibility options for our products, don't hesitate to reach out. You can contact us at (304) 363-5320 or visit us at our branch located at 12 Lawless Rd Morgantown Wv 26501, Morgantown, WV. Explore our loan offerings today and take a step toward achieving your financial aspirations. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $8,239,869, make buying or refinancing simple. We provide guidance throughout the process, ensuring you find the best fit for your financial situation.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $0 in loans helping members manage their finances effectively. Our credit cards come with rewards programs that can benefit your everyday spending.

Loan Aggregator

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FAIRMONT FEDERAL CREDIT UNION - Morgantown, WV