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

Introduction

Welcome to Fairmont, your trusted financial partner located at 1254 Pineview Dr, Morgantown, WV 26505. Established in 1939, we have proudly served our community for over eight decades, helping individuals and families achieve their financial goals. With a commitment to our members' well-being, we currently support 44,522 members and manage total assets of $513,634,837. At Fairmont, we understand that navigating finances can be challenging. That's why our dedicated team of 115 employees, led by CEO Cindy Dickey and Board President Walter Osborne, is here to provide personalized service and expert advice. We strive to make banking easy and accessible for everyone. Whether you're looking for checking accounts, auto loans, or business banking services, we've got you covered. Our branch is equipped with modern conveniences like online banking and ATMs for your ease. For those who prefer face-to-face interactions, our lobby hours are designed to fit your busy schedule open Monday through Friday with convenient drive-thru services as well. While members can visit us at our branch address, official correspondence should be sent to our mailing address: PO Box 2139, Fairmont, WV 26555-2139. We invite you to experience the Fairmont difference! Reach out today at 304-363-5320 or explore more about us at fairmontfcu.com. Join us in building a brighter financial future together!

Branch History & Mission

A Legacy of Service

Since our founding, Fairmont has been dedicated to providing exceptional financial services while fostering a strong sense of community. With total assets exceeding $513 million, we are committed to supporting our members' financial journeys with products designed to meet their needs. Our mission is clear: we strive to empower individuals and families by offering reliable banking solutions alongside personalized support.

Community Focus

We take pride in being more than just a financial institution; we are an integral part of the Morgantown community. Our mission extends beyond traditional banking services; we actively engage in outreach programs and partnerships that uplift our local neighborhoods. Whether it's through educational workshops or community events, we aim to strengthen the bonds within our community.

Join Us Today

At Fairmont, we're not just about numbers; we're about people. We invite you to become a part of our growing family where your financial well-being matters most. Experience the difference that comes with being a member of Fairmont where community spirit meets financial strength. To learn more about membership or open an account today, please visit our website or call us at 304-363-5320. Join us in shaping a brighter future together!

Modern Banking with a Personal Touch

As times change, so do we. Fairmont embraces digital advancements while ensuring accessibility for all. We offer online and mobile banking options for convenience but remain committed to personal service through our lobby and drive-thru operations. Our branch operates Monday through Friday with extended drive-thru hours from 8 AM to 6 PM. Members can also enjoy ATM services for quick access to their funds anytime they need them. We understand that each member's journey is unique and tailor our services accordingly be it checking accounts, auto loans, mortgages, or business banking solutions.

Branch Location & Accessibility

Accessibility Features

At Fairmont, we prioritize accessibility for all our members. Our branch is ADA compliant, featuring ramps and spacious layouts that make it easy for everyone to navigate. If you prefer to handle your banking from your vehicle, our drive-thru service ensures you can complete essential transactions without leaving your car.

Connect with Us

If you have questions or would like more information about our services, feel free to give us a call at 304-363-5320. Our friendly team is ready and eager to assist you! Come by today and discover how Fairmont can help you achieve your financial goals.

Operating Hours

We understand that your time is valuable. That's why our lobby hours are convenient for busy schedules: we're open Monday and Friday from 9:00 AM to 5:00 PM, and Tuesday through Thursday from 9:00 AM to 4:00 PM. For those who need flexibility, our drive-thru service operates Monday through Friday from 8:00 AM to 6:00 PM. Please note that we're closed on Saturdays.

Services Offered

At the Fairmont branch, we offer 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're equipped to assist you with whatever you require. We also provide online and mobile banking features for added convenience. While members can visit us at 1254 Pineview Dr for all their banking needs, any official correspondence should be sent to PO Box 2139, Fairmont, WV 26555-2139.

Member Eligibility

At Fairmont, we believe that joining our credit union means becoming part of a caring community that supports your financial journey. If you live, work, or worship in the Morgantown area, you're likely eligible to become a member! We welcome individuals and families who share our values and are looking for a more personal banking experience. Becoming a member opens the door to a range of benefits, from competitive loan rates to personalized service tailored just for you. To get started, simply visit us at 1254 Pineview Dr Morgantown Wv 26505 or give us a call at (304) 363-5320. You can also find more detailed information about eligibility criteria on our website at https://www.fairmontfcu.com/membership-education. When you're ready to open an account, check out the easy process outlined here: https://online.fairmontfcu.com/registration. We can't wait to welcome you into our family!

Business Banking & Commercial Services

Merchant Services That Work for You

Imagine having the tools to accept payments seamlessly, manage transactions efficiently, and enhance customer satisfaction all at once. Our merchant services empower your business to handle payments easily, whether online or in-store. This means you can focus on what really matters: serving your customers and growing your brand. Visit us at 1254 Pineview Dr Morgantown Wv 26505 in Morgantown, WV, or give us a call at (304) 363-5320 to learn more about how we can help your business thrive!

Tailored Loan Options

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.

Comprehensive List Of Services

ATM & Drive-Thru Services

Need cash quickly? Our ATM & Cash Withdrawal Services provide easy access to funds whenever needed. Plus, our Drive-Thru Banking makes it simple for those quick transactions like deposits and withdrawals without leaving your car. In summary, whether you're managing personal finances or running a business, Fairmont offers an extensive range of services designed with you in mind. For any inquiries or assistance regarding our services at Pineview, don't hesitate to reach out at (304) 363-5320. Come visit us today at 1254 Pineview Dr Morgantown Wv 26505 we're excited to help you achieve your financial goals!

Auto Loans & Vehicle Financing

Thinking about purchasing a new car? Our Auto Loans & Vehicle Financing services offer competitive rates that can help you drive off in the vehicle you want without breaking the bank. We take pride in making the loan process simple and straightforward so that you can focus on enjoying your new ride.

Business Banking Services

Entrepreneurs will find valuable support through our Business Banking offerings. From merchant services that make transactions easier for your customers to business loans that fuel growth, we are committed to helping local businesses thrive.

Credit Cards with Rewards

For those who enjoy earning rewards while spending, our Credit Cards with Rewards program allows you to earn points for every purchase. Use your card for daily expenses and watch your rewards grow it's like getting paid for shopping!

Digital Banking Features

At Fairmont, we prioritize convenience through technology. Our Online & Mobile Banking platforms allow members to access accounts anytime, anywhere. Whether it's making transfers or checking statements on-the-go via our mobile application, we ensure banking is efficient and straightforward.

Mortgage Loans & Refinancing

If you're considering buying a home or refinancing an existing mortgage, our Mortgage Loans are designed with your financial goals in mind. We'll walk you through each step of the process, ensuring you feel informed and confident about your decisions. Whether you're a first-time buyer or looking to reduce your current monthly payments, we're here to assist.

Personal Banking Solutions

For those looking to manage their everyday finances, our Personal Banking options include checking and savings accounts tailored to fit your lifestyle. Imagine easily tracking your spending and saving for that dream vacation all from the comfort of your home using our online banking features. With just a few clicks, you can check balances, transfer funds, and pay bills.

Personal Loans & Debt Consolidation

We also offer Personal Loans & Debt Consolidation services that can help ease financial burdens. If unexpected expenses arise or if you wish to consolidate higher-interest debts into one manageable payment, our team is ready to provide personalized solutions.

Digital & Online Banking

Convenient Features

For those who prefer using their smartphones, our mobile application makes banking even simpler. You can download it and enjoy features like person-to-person transfers, allowing you to send money to friends or family instantly. Although electronic signatures are not currently supported, our secure platform ensures that your information remains protected as you manage transactions.

E-Statements for Easy Access

Keeping track of your financial records is a breeze with our e-statements. You can receive your account statements electronically, which not only helps reduce paper clutter but also allows you to access them anytime no more waiting for mail deliveries!

Security You Can Trust

At Fairmont, we prioritize your security. Our online banking system employs top-notch security measures so that you can manage your finances with confidence. Whether you're using a desktop or mobile device, rest assured that your personal information is safe with us. In conclusion, our digital and online banking services provide convenience, accessibility, and security making it easier than ever for you to stay on top of your finances. Experience the ease of modern banking by visiting https://www.fairmontfcu.com/ today!

Financial Strength

Growing Membership Base

With a total of 96,476 share and deposit accounts, we show a strong and growing member base that trusts us with their finances. 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 1254 Pineview Dr Morgantown Wv 26505 or call (304) 363-5320 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-Focused Savings

Members' savings are secured through $96,292,490 in share certificates, 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 $0 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 115 full-time employees and 0 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvestment for Better Services

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. Additionally, with $3,783 in used auto loans and $345,017,510 in total loans and leases, our lending capacity supports members' financial goals across various sectors.

Strong Financial Position

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 $79,958,070 in new vehicle loans and $79,072,747 in used vehicle loans already helping members get on the road, you can count on us to provide the support you need. Whether you're interested in financing a brand-new model or a reliable pre-owned vehicle, our competitive rates make it easier for you to drive away happy.

Business Loans

For business owners, our outstanding commercial loans totaling $821,941 provide the capital needed to grow and expand your business. Whether you're looking to invest in new equipment or increase your inventory, we can help you find the right financing solution. If you're considering refinancing any of these loan products or want to learn more about eligibility options available at Fairmont, don't hesitate to reach out. You can contact us at 304-363-5320 or visit us at 1254 Pineview Dr Morgantown WV 26505 for more information. For details on membership eligibility and how to apply for any of our services online, please visit our website. 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 helping you achieve your financial dreams!

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're here to guide you through every step of the process and ensure that your experience is as smooth as possible.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans. Although we currently have no outstanding amounts in this category, we are committed to providing options that help our members manage their finances effectively when they do choose to apply.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. This tool is designed to help users easily navigate the complex world of loans, ensuring they find the best options for their needs. LendMesh ensures accurate loan comparisons by sourcing data 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 approach guarantees that users receive fair and transparent offers tailored to their financial situations. The benefits of using LendMesh are clear: - Verified Data: Loan offers come from legitimate financial institutions, which enhances transparency and trust. - No Sponsored Listings: Unlike other platforms, LendMesh does not prioritize lenders based on paid promotions. The focus remains solely on providing unbiased results. - Real-Time Rate Comparisons: Users access up-to-date loan rates from multiple institutions, allowing them to make informed decisions quickly. Thousands of users trust LendMesh for their loan comparisons. One member shared, "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials reflect the reliability and efficiency of this tool. Compare real-time loan offers today at 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.*

Fairmont